Find Maroondah - November 2023 Edition

Maroondah The

NOVEMBER 2023

WHAT’S INSIDE: 05

COLUMNIST ARTICLES

20

TAX UPDATES

22

MAROONDAH COUNCIL NEWS

31

NOT-FOR-PROFIT OF THE MONTH

46

FIND SPORTS

54

FIND COUPONS

SUPPORT LOCAL, BUY LOCAL, DISCOVER MAROONDAH

See full article on page 04

BEAUMONT ADVISORY

SBIB INSURANCE BROKER

mfelton@beaumontlawyers.com.au

mfelton@beaumontlawyers.com.au

www.thebeaumontgroup.com.aulawyers

www.thebeaumontgroup.com.au

0411 951 372

0411 951 372

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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

LIFE COACH

BOOKKEEPING

COPYWRITER / ACRREDITED EDITOR

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ETHAN STRYBOSCH

Are you our next Life Coach?

Are you our next Bookkeeper?

Are you our next Copywriter?

BOOKKEEPING

NATURE & CONSERVATION

HEATHERDALE COMMUNITY ACTION GROUP

NATUROPATH

JODIE MOORE

LIZ SANZARO

ELWYNNE KIFT

KATHRYN MESSENGER

CLUB SPONSORS

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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

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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 Friday December 8, 2023. Advertising and Editorial copy closes Monday November 30, 2023.

NOVEMBER 2023 | FIND MAROONDAH

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VCE Students - Wishing you all the best for 2023 Exams

By Warren Strybosch

The Victorian Certificate of Education (VCE) is a pivotal and demanding stage in the educational journey of Australian high school students.

The VCE Journey The VCE program is a two-year course typically undertaken in the final years of high school in the state of Victoria, Australia. It is a comprehensive, nationally recognized qualification that opens doors to higher education and future career opportunities.

VCE students are confronted with an array of subjects and assessments, all leading up to a climactic final examination period at the end of Year 12.

We would like to encourage all students in their exams, especially the Year 12 students who will be sitting their final exams before heading to university, TAFE or taking up job opportunities upon completion of their studies. We have put together some strategies to consider leading up to your exams and whilst you are sitting them: •

Effective Study Techniques: VCE students often adopt various study techniques, such as creating study

schedules, using flashcards, and seeking tutoring when needed.

Effective study habits can make a significant difference in their academic performance.

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Time Management: Learning how to manage time effectively is key. VCE students often use planners, apps, or other tools to schedule study sessions, extracurricular activities, and relaxation time.

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Seeking Support: When faced with academic or emotional challenges, it's essential for VCE students to reach out for help. This can be in the form of teachers, counselors, or peer support networks.

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Balance and Self-Care: Maintaining a healthy balance between academics and self-care is crucial.

Regular exercise, a well-balanced diet, and adequate sleep can help alleviate stress and improve mental health.

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Goal Setting: Setting clear academic and personal goals can provide VCE

•

students with a sense of direction and motivation. These goals can help them stay focused and overcome obstacles.

The life of a VCE student is undoubtedly demanding, filled with academic pressures, time management challenges, and high expectations. However, it is also a transformative journey that equips students with valuable skills, resilience, and the ability to thrive under pressure.

By adopting effective study techniques, seeking support when needed, and prioritising self-care, VCE students can navigate the challenges they face and emerge from the experience stronger and more prepared for the future. Just remember, that VCE is not the end and whatever marks you obtain does not define you as a person. The results you obtained are just a moment in time that will springboard you into your next stage of life.

The Find Foundation and all the team across the Find Group of companies wish all VCE students the best in the last weeks of exams and coursework.

findmaroondah.com.au

NOVEMBER 2023 | FIND MAROONDAH

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Truss maker fined $200,000

after fatal lift OCCUPATIONAL HEALTH & SAFETY

By Mark Felton

As a business owner and employer, it is your responsibility to ensure the health and safety of your employees within your workplace. This includes providing your team with a safe work environment and protection from hazards. You can achieve this by understanding your obligations under the Occupational Health and Safety (OHS) laws and by complying with them.

WorkSafe Victoria recently reported that a timber truss manufacturer has been convicted and fined $200,000 for unsafe work practices following the death of a worker at a Point Cook construction site.

Melbourne Truss Pty Ltd was sentenced in the Melbourne Magistrates' Court on Thursday 12th October after earlier pleading guilty to a single charge of failing to ensure a workplace under its control was safe and without risks to health. The company was also ordered to pay $11,234 in costs.

In March 2020, Melbourne Truss workers were using a vehicle-mounted loading crane to unload prefabricated timber floor trusses onto a concrete slab within the framework of a townhouse under construction at the site. During the unloading, the crane operator was standing on the delivery truck tray, while his assistant was standing on the slab.

The incident occurred when a bundle of trusses being lifted by the crane made contact with a steel structure that formed part of the townhouse framework, knocking it inwards and striking the assistant in the face. The worker fell backwards and struck his head on the concrete slab. He died at the scene.

The court found it was reasonably practicable for Melbourne Truss to have reduced the risk to health and safety by ensuring people were in a safe location during the unloading process.

WorkSafe Executive Director of Health and Safety Narelle Beer said the death was entirely preventable. "This tragedy is a stark reminder for every employer using cranes to ensure safety is the first

priority each and every time a load is lifted," Dr Beer said.

"Cranes and lifting equipment are an essential part of the daily work for many industries but work involving cranes is high risk and must be treated with the utmost care and caution."

To manage risks when using vehicle loading cranes, duty holders should: •

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• •

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•

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Ensure the crane and lifting equipment selected is appropriate for the task, including the size and weight of the load.

Prepare designated lifting areas to enable the crane to be set up as per the manufacturer's recommendations, and operated within its design parameters.

Ensure the crane is operated from a safe location to prevent falls or the inadvertent operation the crane.

Establish exclusion zones for lifting and landing areas and the load's travel path, taking into consideration any restricted areas and nearby incomplete or temporarily braced structures.

Ensure the operator is appropriately trained and competent for the type of crane being used and, where required, holds the appropriate high risk work (HRW) licence.

Where a crane operator does not have line of sight or the load is not visible at any stage and the operator. requires direction in the movement of the load, ensure a dogger is in place Provide workers with adequate personal protective equipment (PPE).Ensure safe systems of work are in place and adhered to, including a Safe Work Method Statement (SWMS) for any High Risk Construction Work (HRCW).

As a business owner, are you confident that you do not have shortfalls in your efforts to keep your workers healthy and safe?

Do you have an understanding of your responsibility to ensure the safety of your employees? Are you confident that you can provide a safe work environment and comply with OHS laws? Do you believe that you are effective in carrying out risk assessments, employee consultation and providing training? Do you regularly review these measures to ensure that they remain fit for purpose and keep you and your employees healthy and safe?

At Beaumont Advisory we assist business owners clarify what they currently have in place, as well as where there are shortfalls. We then assist in developing effective systems and documentation, working with businesses to ensure effective implementation. Checks are put in place to monitor ongoing effectiveness, to ensure that going forward, they are sound and comply with the Act, and most importantly keep you and your employees informed, and healthy and safe.

Please feel free to contact me, Mark Felton, at Beaumont Advisory on 0411 951 372 or mfelton@beaumontlawyers. com.au for an obligation and cost-free initial discussion.

Mark Felton Occupational Health & Safety www.thebeaumontgroup.com.au NOVEMBER 2023 | FIND MAROONDAH

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findmaroondah.com.au

Cholesterol – friend or foe?

It is interesting that even though it is well established that fibre from fruit, vegetables, legumes and wholegrains reduce cholesterol, there is very little information promoting these foods to prevent high cholesterol. This should be the first place to start. Sugar and refined grains are well established to promote inflammation, as well as impair liver function, and since the liver is where cholesterol is synthesised, it’s role should not be overlooked. Choose natural sugars such as honey, coconut sugar, or natural maple syrup as an alternative, and swap white flour products for wholegrain.

NATUROPATH

By Kathryn Messenger

Cholesterol plays a vital role in our bodies, serving as an essential part of our cell membranes and helping to regulate various bodily functions. It acts like a building material, providing structural integrity to cell walls and allowing them to function properly. Additionally, cholesterol is essential for the production of hormones like estrogen and testosterone, and fat-soluble vitamins like vitamin D, which control various bodily processes, including growth and reproduction. So, without cholesterol, our cells would not be able to maintain their integrity, and we wouldn't have the necessary hormones to keep our bodies functioning correctly.

HDL (High-Density Lipoprotein) and LDL (Low-Density Lipoprotein) are two types of cholesterol carriers in your bloodstream, each with distinct roles, and are seen as the following.

HDL cholesterol is often called the "good" cholesterol. HDL molecules pick up excess cholesterol from the walls of your blood vessels and transport it back to your liver. There, the liver can process and remove this cholesterol from your body.

This process helps prevent the buildup of

cholesterol in your arteries and reduces the risk of heart disease. Conversely, LDL cholesterol has been seen as the "bad" cholesterol. LDL carries cholesterol from your liver to various cells throughout your body. Atherosclerosis is the narrowing and hardening of the arterial walls with the buildup of plaque, this can increase the risk of heart issues and cardiovascular disease. Higher levels of LDL cholesterol are found with atherosclerosis.

But too often only the total cholesterol is examined in a blood test, whereas the ratio between the HDL and LDL cholesterol is much more accurate in determining disease.

Another thing to note is the use of statin drugs for treating high cholesterol. The ‘numbers needed to treat’ is the part of the statistics around how many people need to take the drug for just one person to see a benefit, but when you add to that the number of people that take the drug and experience side effects, the statistics get even worse. For every 10 000 people on statin medication, 19 heart attacks, 9 strokes, and 8 deaths are prevented, yet 15 muscle symptoms, 8 liver events, 12 kidney events, and 14 eye conditions are developed.

Fortunately, there are natural ways to improve your blood lipids and cholesterol ratio.

People are often encouraged to reduce the intake of dietary cholesterol despite many studies showing that high levels saturated fats have a greater effect on cholesterol levels than dietary cholesterol itself. In general, our western diets are high in omega 6 fatty acids and low in omega 3 fatty acids. For this reason, fish oil has a great effect on cardiovascular risk, and blood lipids in general.

Along with dietary fibre and oily fish, garlic, ginger and turmeric have all been shown to regulate blood lipid levels, and there are some lovely herbs such as globe artichoke and gymnema.

At Whole Naturopathy we can treat an imbalance in the HDL:LDL, and provide dietary, nutritional supplement and herbal medicine to improve your cardiovascular health.

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

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.

findmaroondah.com.au

NOVEMBER 2023 | FIND MAROONDAH

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Elmedia Marketing: Empowering Maroondah

Businesses with Free Facebook MARKETING SUPPORT

DIGITAL MARKETING

By Ethan Strybosch

At Elmedia Marketing, we believe in the power of community and supporting local businesses. As a locally based marketing and advertising agency in Warranwood, we're thrilled to introduce an exciting opportunity for businesses in Maroondah. We're extending our hand to offer free Facebook advertising support to help your business thrive in the digital landscape.

No Strings Attached You might be wondering, "What's the catch?" Well, we're here to tell you there isn't one! Our mission is simple: to empower Maroondah businesses. We're offering our marketing and advertising expertise for free. The only cost involved is the ad spend on Facebook—meaning you only pay for the actual ads themselves.

Why We're Doing This Our motivation behind this initiative is clear – we want to give back to our local community. We understand the unique challenges that small and local businesses face, especially in the everevolving world of digital marketing. By providing free Facebook advertising support, we aim to level the playing field and help your business connect with its target audience effectively.

Additionally, we're eager to gather feedback on our services. We invite you to share your experiences and leave a review if you feel it's worthwhile. Your feedback will not only help us refine our services but also strengthen our bond with the local community.

What's in Store for Your Business When you partner with Elmedia Marketing, you can expect nothing but excellence. Our team of experts includes graphic designers, copywriters, media buyers, and marketing strategists who will collaborate to create tailored Facebook ads that align with your business goals.

The best part? All of these services come at no cost to you. You only need to allocate a budget for your Facebook ad spend.

Getting Started is Easy Getting started with our free Facebook advertising support is a breeze. If you're a local business in Maroondah, simply reach out to us to express your interest or ask any questions about the program.

We'll carefully assess your business's unique needs and craft a customized advertising strategy just for you. This initiative is a fantastic opportunity to enhance your online presence, and we're excited to showcase our capabilities.

Join Us in Empowering Maroondah Businesses

Don't let this golden opportunity slip through your fingers. Seize the chance to boost your business's online visibility and reach a wider audience. We're eager to extend our expertise to help you navigate the world of Facebook advertising.

As believers in the power of community and collaboration, Elmedia Marketing is setting an example by offering our expertise to support local businesses. By taking part in this initiative, you not only gain access to professional marketing and advertising support but also contribute to the growth and vibrancy of the Maroondah community.

Reach out to Elmedia Marketing today to explore this unique opportunity and elevate your business's online advertising game. Together, we can build a stronger, more prosperous local business community in Maroondah. Let's make waves in the digital world and support the businesses that make our community great.

Feel free to contact us via email at: info@elmedia.com.au or via our Contact Us page at Elmedia.com.au

Ethan Strybosch Co-Founder

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Government Assistance Schemes to Help You Buy Property

MORTGAGE BROKERING

By Reece Droscher

If you are trying to get into the property market, either as a first home buyer or someone who has been in the market previously, there may be some assistance packages available through Federal or State Governments to help you make this happen.

FEDERAL GOVERNMENT SCHEMES There are three different schemes that are administered through the Federal Government via Housing Australia, the department set up to assess the eligibility of applications for these schemes.

Family Home Guarantee Family Home Guarantee is an initiative that aims to support eligible single parents and single legal guardians to purchase a family home. With as little as 2% deposit, eligible single parents and single guardians of at least one dependent will be able to enter, or re-enter, the housing market.

The Government provides a guarantee to the participating lender up to 18% of the property value, allowing the borrower to access up to 98% of the property purchase price without paying mortgage insurance. There are 5,000 places available in the scheme for the 2023/24 financial year.

An eligible single parent or single legal guardian, such as an aunt, uncle or grandparent, can either be buying their first home or be a previous home owner.

There are eligibility restrictions applying to income levels and thresholds on property prices and the types of properties you can buy. To check your eligibility go to: h t t p s : / / w w w. h ou s i n ga u s t ra l i a .gov. au/support-buy-home/family-home guarantee

First Home Guarantee

STATE GOVERNMENT SCHEME

The First Home Guarantee is designed to assist any eligible first home buyer, or someone who has not owned property in Australia for at least ten years, to buy a home with as little as a 5% deposit. You can apply as a single or joint applicant, as long as both applicants meet the eligibility criteria.

Victorian Homebuyer Fund

The Government will guarantee up to 15% of the property value, so the borrowers can access a loan up to 95% of the property value without paying mortgage insurance.

35,000 places in this scheme are available for the 2023/24 financial year.

There are certain eligibility restrictions applied with the maximum income level allowed for single applicants set at $125k per annum, and $200k for couples. There are also price thresholds in place for different locations. To check your eligibility go to: https://www.housingaustralia.gov.au/ support-buy-home/first-home-guarantee Regional First Home Buyer Guarantee The Regional First Home Buyer Guarantee (RFHBG) works in exactly the same way as the First Home Guarantee, however it is set up for those wanting to buy in a regional area. The eligibility criteria is also the same as the First Home Guarantee, however there are different price caps in place for the regional areas. https://www.housingaustralia.gov.au/ support-buy-home/regional-first-homebuyer-guarantee How To Apply Housing Australia has authorised 33 lenders who can participate in submitting applications for the Home Guarantee Schemes.

Applications can only be made with a Participating Lender or their authorised representative (a mortgage broker).

As the application for scheme places is subject to an income test which is assessed by using the applicant’s ATO Notice of Assessment. For applicants in the current financial year 2023/24, the relevant Notice of Assessment will be for the 2022/23 financial year.

You can find the list of participating lenders on the Housing Australia website, however a Mortgage Broker can also assist you with this process.

This scheme is run through the Victorian State Revenue Office and is a shared equity scheme where eligible home buyers, who have managed to save a minimum 5% deposit, receive a contribution of up to 25% of the purchase price from the government in exchange for a proportional interest in the property. Essentially if you enter into this scheme the government retains an ownership share of your property equal to the percentage they contributed when the property was purchased.

For example, if you purchased a property for $600,000 and the Government assistance was equal to 10% of the property price, their contribution to the purchase would be $60,000. If, in say 5 years time, you decided to sell this property, and you sold it for $750,000, the government would receive 10% of the sale price to repay the initial contribution.

So this means that the initial contribution of $60k would cost you $75k to repay.

This scheme is not restricted to first home buyers, so if you have owned property before you can participate, you just can’t have any interest in property at the time of applying. There are also other eligibility criteria that you have to meet, which you can check by going to: https://www.sro.vic.gov.au/homebuyer By participating in this Fund you do not lose eligibility for the First Homeowners Grant, which only applies to new properties.

There are also only four lenders who participate in this scheme and you need to deal directly with the lender.

Unfortunately mortgage brokers are not offered the ability to assist with these types of applications.

At SHL Finance we have helped many clients navigate their way through the process to access places in these schemes.If you think you would be eligible to participate in the Federal Governmemt Home Buyer Schemes, or you’d just like to discuss these options in more detail, we would love the opportunity to help you. Please call Reece on 0478 021 757 to find out how we can help you.

Please call Reece Droscher on 0478 021 757 to discuss all of your Home Loan needs. reece@shlfinance.com.au www.shlfinance.com.au

findmaroondah.com.au

NOVEMBER 2023 | FIND MAROONDAH

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Ringwood Bowls Club 2-12 Loughnan Road, Ringwood

Give Bowls A Go......

Sunday 19th November 12:00 pm - 4:00 pm

GIVE BOWLS A GO.........

Free Instructions Easy to learn Bring your family and friends Open to all ages Bare feet or flat soled shoes Club memberships available

+

Bowls, a game for all of the family

1:00 - 3:00 pm for the KIDS

Play in competitions and club social games.

Join our Junior and Open Age Development Squads

Coaching For Beginners, Intermediate and Advanced Bowlers.

Our Head Coach, Mark O'Halloran will be available to help you during the day.

Join our Free Club Coaching Program as a part of your membership.

See Displays & Information from Ringwood Community Sports Clubs Ringwood Saints Baseball Club

Ringwood Bowls Club Venue Hire

Maroondah Social Darts Association

Plus more........

Give Bowls A Go at the Ringwood Bowls Club is proudly supported by the Maroondah City Council

Contact Us

9870 6767

clubsec@ringwoodbowls.com.au

NOVEMBER 2023 | FIND MAROONDAH

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The High Court decision on electric vehicles will

make charging for road use very difficult

By Jago Dodson

The High Court of Australia’s decision to invalidate Victoria’s electric vehicle tax has been widely noted as a major judgement in the history of federal-state taxation powers.

In 2021, Victoria introduced a 2.5 cents per kilometre charge for electric vehicles using public roads. Ostensibly this was to compensate for the likely loss of Commonwealth fuel excise revenue from the shift to electric vehicles.

The court’s decision, released last week, effectively expanded the definition of an excise to include any tax that has “a reasonably anticipated economic effect on the pattern of demand”. By imposing a cost on the use of vehicles, and thereby potentially reducing demand for them, the road user charge is an excise.

At the time of federation in 1901, automobile technology had advanced to the level of a “motorised dog cart powered by kerosene”. There is no constitutional right to operate a motor vehicle on public roads, yet the High Court has given the Commonwealth the right to charge for motor vehicle use on roads.

In making this decision, the court has gravely weakened the capability of the states to set, regulate and fund metropolitan transport planning objectives.

Australians rely heavily on private vehicles Between 68 per cent (Sydney) and 75 per cent (Brisbane) of travel in Australia’s major cities is by private motor vehicle, making them the most unsustainable national grouping within a developed country outside the United States. Car dependence causes various problems that are not adequately accounted for in current pricing regimes.

These include carbon emissions, productivity costs of congestion, traffic deaths and injuries to people and animals, respiratory and systemic diseases from exhaust and tyre particles, and cardiovascular disease from sedentary behaviour.

Because they generate many of the negative impacts of conventional vehicles, electric vehicles are not a sustainable mode of urban transport.

And there is increasing recognition that moving from internal combustion engine vehicles to electric vehicles won’t reduce the impact of climate change within emergency timeframes.

The best way to reduce damage from car use in cities is to reduce usage overall. Along with regulatory measures that impede, exclude, ban or ration use of cars, taxes, levies, charges and prices are important mechanisms.

Since the 1980s, various agencies have argued the societal costs of motor vehicle use are under-estimated. The Henry Tax Review (2010), the last major comprehensive review of national taxation argued a combination of road specific congestion charges, network access charges and a variable charge such as fuel tax, should be applied to vehicle use costs.

This approach has been echoed in further advice from the Productivity Commission, Infrastructure Australia and Infrastructure Victoria, as well as by motorist groups such as the RACV.

The states are losing control of managing their roads The High Court decision to reserve congestion and generalised road use charging to the Commonwealth severely limits states capacity to manage the costs of urban car use by way of taxes, charges, levies or fees, such as under section 1(d) of the Victorian Road Safety Act 1986. The section seeks to ensure “the equitable distribution within the community of the costs of road use”.

But, if Victorians now voted for road user charging to shift the 71% of travel currently undertaken by car in Melbourne to sustainable modes, they would be refused by the Constitution.

Any future desire to achieve more sustainable levels of car use of 30-40% of travel, as found in cities like Seoul, London or Paris - or 12% in Tokyo - would be impossible to achieve using road pricing, without Commonwealth involvement.

Meanwhile, the Commonwealth lacks a mechanism to collect road user charges.

It would need to duplicate the states motor vehicle registration systems, roll out an equivalent system via the ATO, or rely on state cooperation.

A new tussle between the Commonwealth and states is foreseeable over the level of charge, the costs of collection and distribution formula, as well as any differential calibrations. It could be the Commonwealth sets a uniform national road users charge but allows states to add their own loadings to meet their transport objectives.

There may however be workarounds for states to impose per kilometre road user charges on electric vehicles.

Victoria could impose an extra levy per kilowatt hour of electricity charged to an EV, for example, given there the close relationship between distance driven and kilowatt-hours consumed. It would be an adventurous High Court that decided the Commonwealth was responsible for setting electricity tariffs.

Another workaround could be to vest Victoria’s roads within a commercially mandated state-owned corporation responsible for full cost recovery for road use. Road user charges would not comprise excise but rather a commercial transaction between the corporation providing the road service and the motorist paying to use the service.

Australian cities need to move quickly and decisively away from the car as a means of urban transport. Given its opposition to the Victorian road user charge and its newly confirmed powers over urban transport pricing, it is incumbent on the Commonwealth to present a coherent plan to reduce car use in cities.

Although the Commonwealth is currently developing a net zero transport and infrastructure roadmap, this needs to be urgently broadened to a national strategy for sustainable urban transport, coordinated with the states, and including clear, effective and accelerated ways of reducing car use in cities.

Jago Dodson Professor of Urban Policy and Director, Centre for Urban Research, RMIT University

Jago Dodson was appointed Professor of Urban Policy and Director of the Centre for Urban Research at RMIT in 2014, and previously led the Urban Research Program at Griffith University (2010-2014). Read more

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Decreasing Membership

By Peter Horton

At some stage your club is bound to lose a member or two however it is important for your club to find out the reason why member/members are departing and it is equally important for the member/members to let the club know why.

We acknowledge that there are a number of reasons: • family commitments • health • retirement from playing sport • moving out of the area • unhappiness – major disagreements • offered more money to play at another club • new challenges It is possible that the member has decided to leave because they have had a dispute with someone at the club – a member of the board or a selector and they no longer trust how the club is being run.

Whatever the reason your club needs to know you have decided to move on.

It may be a problem that the club is not aware of or a problem that has existed for some time and has gone unresolved.

If you are thinking about leaving your club make sure you really want to leave and then finish up regretting your decision.

Find and make the time to talk someone at the club – the president, board member or club secretary.

Discuss your concerns and reasons why you are thinking about leaving BEFORE you let other members of the club know what you are planning to do.

If the club is aware of your problem give them time to investigate and if it is resolved to your liking then you can happily put your plans to leave to rest.

On the reverse side if your complaint or concern is not resolved write a resignation letter to the secretary of the club detailing the reasons and why

you have decided to leave.

Membership is the backbone of every sporting club and retaining members should be a key objective because we all know how hard it is recruiting new members.

Before moving on think about it – do you really want to part company and start all over again at another club.

At the end of the day you will come to a decision – make sure you don’t regret it.

CONGRATULATIONS! WARREN STRYBOSCH Find Group

on winning the Holistic Adviser of the Year again at the IFA Excellence Awards 2022.

Find Accountant | Find Wealth | Find Retirement | Find Insurance | Find Aged Care Services | Find Foundation | Find Network

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

TOP 50 MOST INFLUENTIAL FINANCIAL ADVISER IN AUSTRALIA 2021 & 2022 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.

NOVEMBER 2023 | FIND MAROONDAH

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findmaroondah.com.au 12 FIND MAROONDAH |NOVEMBER 2023

Employers Responsibility – Staff Working From Home

GENERAL INSURANCE

By Craig Anderson

Working from home was unexpectedly thrust upon many employees and employers due to COVID – 19 and due to the unplanned nature of the circumstances, both parties have had to rapidly adjust their thinking. Employers are still responsible, from a duty of care perspective, for staff safety while working from their own home, which is to put it mildly, “challenging”.

If you try to imagine a standard office space, you probably don’t consider the lighting level, the testing and tagging of equipment, the ergonomic furniture, the ambient temperature, the hands free phone head set, and a host of other things like the boiling water tap with safety features. You probably won’t imagine the planning it took to eliminate trip hazards, eye and ear strain, back strain, mental stress and fatigue and other stressors. Now look at a home work environment. Possibly no ergonomic furniture, trip hazards galore, cords

everywhere, low lighting, no testing and tagging, noisy pre-schoolers interrupting, dogs barking and a whole host of other potential issues. Having said that, how employees spend their free time is up to them, however the environment in which they spend work hours is really important for their wellbeing, and the employer is still responsible for any injuries they suffer, even when they work from home.

The connection to insurance is straightforward. Following a serious injury “at work” like an electrocution, slip and fall, serious burn, or laceration for example, an employer may be prosecuted by WorkSafe after an investigation if they have contributed due to lack of care or failure of due dilligence. However; if the employer has audited the home work environment and made every attempt to eliminate wherever possible all of the hazards, and if the employer has Management Liability Insurance including Statutory Liability, the insurer may legally defend the claim or pay fines where appropriate and avert a possible conviction where unwaranted.

If this is a situation currently causing you concern, and you’d like to explore.

Management Liability Insurance to protect you and your assets, please contact us for a preliminary no obligation discussion.

Please also consider engaging an OH&S Consultant to ensure all due diligence is exercised, as this may help insurers to view your business as a “good risk”.

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

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NOVEMBER 2023 | FIND MAROONDAH 13

findmaroondah.com.au

Labor Government moves forward with plans

to increase taxes on your superannuation ACCOUNTANT

By Warren Strybosch

In the next 10 years we are going to see one of the biggest transfers of intergeneration wealth the world has ever seen, and the government knows it.

The government needs more funds and even though the Labor government promised no new taxes, they have backflipped and have introduced several new taxes on the Australian people during their current term in office. With interest rates continuing to rise and new taxes being introduced, no wonder ordinary Aussies are starting to feel the pinch in their back pockets.

To make matters worse, the Australian Government knows that when people receive their inheritance, the likely place to put some, if not all, of those funds, once the mortgage has been paid off, is into superannuation. It won’t just affect those who have superannuation balances, but pension accounts will be included in the calculations.

With inheritances and spouses receiving reversionary beneficiary pension payments, we are likely to see Australians ending up with large super/pension balances.

Knowing this might be the case, the Labor Government is introducing a new tax known as ‘Division 296’ tax, with the hope to bring in additional income into their coffers in coming years.

In February 2023 the government announced plans to introduce an additional tax on individuals with superannuation balances exceeding $3,000,000.

In February 2023 the government announced plans to introduce an additional tax on individuals with superannuation balances exceeding $3,000,000.

Draft legislation was released for public consultation on 3 October 2023. The consultation period ended on 18 October 2023. The draft legislation, to take effect from 1 July 2025 if successfully passed into law, will see a portion of a person’s total superannuation balance that exceeds $3,000,000 taxed at 15%.

This tax is additional to tax already

paid by a superannuation fund on investment earnings and capital gains.

The draft legislation does not depart in methodology from that announced in February 2023.

The proposed tax is to be applied to the growth in a person’s total superannuation balance rather than the actual investment earnings achieved on their superannuation account. It will apply to both accumulation and pension interests.

Some Division

key 296

insights tax

into include:

•

The tax does not prevent people from having a total superannuation balance of more than $3,000,000.

•

There is no provision for the $3,000,000 threshold to be indexed meaning that, over time, more people will be affected by it.

•

Division 296 tax is levied on the individual member rather than on their superannuation fund. They may pay the tax personally or have it released from superannuation.

•

For defined benefit interests, Division 296 tax may be deferred.

•

As the tax is calculated on the growth in a person’s tota l superannuation balance over $3,000,000, it will apply to unrealised capital gains.

This is a real concern for many SMSF trustees, especially those holding property.

•

•

The outstanding balance of a limited recourse borrowing arrangement will not be added back for Division 296 purposes, as is the case for other applications of the total superannuation balance.

Negative growth in a person’s total superannuation balance can be carried forward and be offset against future growth.

Importantly, Division 296 tax is not a tax on superannuation fund earnings.

Rather it is a tax on that portion of a person’s total superannuation balance that exceeds $3,000,000.

Should clients with more than $3,000,000 be taking steps now to reduce their balance to avoid being caught up under the proposed new tax?

Division 296 tax is not due to be introduced until the 2025-26 financial year. This will be conditional on the successful passage of the legislation.

At this point, clients should not be actively reducing their superannuation balance simply due to the proposed introduction of Division 296 tax.

However, if a person is intending to reduce their superannuation for other purposes, such as gifting to family members, settling family court property settlements, or investing funds outside the superannuation environment, those strategies should continue to be implemented.

We expect the legislation will be tabled in the parliament shortly and for the legislative process to commence.

Many accountants and other interested parties are against the introduction of this new tax but it looks like the Labor Government is determined to bring this new tax and other taxes to pass.

We will continue developments.

to

monitor

Warren Strybosch You can call them on 1300 88 38 30 or email info@findaccountant.com.au www.findaccountant.com.au Important Information This information is of a general nature only. It does not take into account

your

particular

financial

needs,

circumstances

and

objectives. You should obtain professional financial advice if you have not already done so before acting on this information. You

•

The tax will not be applied to child pensions, members who die during a financial year, and to people that receive structured settlements that are contributed to superannuation.

should read the Product Disclosure Statement (PDS) before making a decision to buy or sell a financial product. Any case studies, graphs or examples are for illustrative purposes only and are based on specific assumptions and calculations. Past performance is not an indication of future performance. Superannuation, tax, Centrelink and other relevant information is current as at the date of this document. This information contained does not constitute legal or tax advice.

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findmaroondah.com.au

Work-Bonus Boost to Encourage Pensioners to go back to Work FINANCIAL PLANNER

By Erryn Langley

Work Bonus The $4,000 one-off boost to pensioner’s work bonus income bank will become a permanent fixture from 1 January 2024.

The Work Bonus is a program in Australia designed to help pensioners, specifically Age Pension recipients, increase their income without affecting their pension payments. The Work Bonus allows pensioners to earn a certain amount of money through employment or self-employment before their pension payments are reduced. The Work Bonus was introduced to encourage older Australians to remain in the workforce or to work part-time without worrying about losing their pension entitlements. Here are some key points about the Work Bonus:

How does this impact the amount you can earn?

1.

Eligibility: The Work Bonus is primarily available to recipients of the Age Pension, which is a means-tested government payment for older Australians. Other pension types, such as the Disability Support Pension or Carer Payment, are not eligible for the Work Bonus.

Additionally, existing and new pensioners will retain the current increased maximum Work Bonus income bank limit of $11,800 rather than $7,800.

Income Threshold: Under the Work Bonus, pensioners can earn up to a certain amount of money before it affects their pension payments. Normally, the income threshold would be $300 per fortnight. This means that pensioners can earn up to $300 in employment income without any impact on their pension. However, with the introduction of the one-off booster payment, the Work Bonus Income bank will increase, and pensioners will be able to earn more each year (more information below).

The employment nil rate period will increase from 6 fortnights to 12 fortnights with eligibility expanding to those entering fulltime employment from 1 July 2024.

2.

3.

4.

5.

6.

Unused Amounts: If pensioners do not use their full Work Bonus amount in one fortnight (up to $300), the unused portion can be accrued and used in subsequent periods.

This can be especially beneficial for those with irregular or seasonal employment.

Impact on Pension Payments: If a pensioner's employment income exceeds the $300 per fortnight threshold, their pension payments are reduced by 50 cents for every dollar earned above this threshold.

Reporting Requirements: Pensioners are required to report their employment income to the Department of Human Services (now known as Services Australia) so that their pension can be correctly calculated.

Eligibility Age: The Work Bonus is available to Age Pension recipients who have reached Age Pension age; currently age 67.

With the current employment shortfall, the Government has announced two measures to encourage those currently receiving income support to return to work or increase their working hours.

The changes, pending the passage of legislation, are as following:

New pension recipients (of Age Pension age) and eligible Veterans will have a starting Work Bonus income bank of $4,000 instead of the current $0. From day one of qualifying for a pension, clients can earn employment income of $4,000 in addition to the $300 per fortnight already available, before this employment income begins to count towards the income test.

Employment nil rate period

A nil payment period starts when you report employment income over a certain amount, and it reduces your income support payment to $0. This includes your partner's employment income. Usually, a nil payment period can be up to 6 fortnights in a row, but this will increase to 12 fortnights, meaning you are less likely to lose your pension payments if you decide to earn a certain income, which results in a nil pension payment, with in a given 12-week period.

During this period, even though the pension or allowance is not payable, the client is considered to be still receiving a benefit for the purposes of qualifying for additional support such as child care subsidy and concession cards.

If the client’s income reduces sufficiently to once again receive a pension or allowance during the employment nil rate period, they will have their benefit reinstated without the need to re-apply.

1300 557 144 | erryn@findwealth.com.au

Erryn Langley

www.findwealth.com.au

Financial Planning is offered via Find Wealth Pty Ltd ACN 140 585 075 t/a Find Wealth. Find 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 Alliance group https://www.centrepointalliance.com.au/ Erryn Langley is Authorised representative (No. 1269525) of Alliance Wealth Pty Ltd. 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.

NOVEMBER 2023 | FIND MAROONDAH 15

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Notes from the State of Maroondah 2021

By Liz Sanzaro

Published by MCC in their Annual report, condensed for you by CCS. We asked Council for a base line as they want people to advise of the vision for 2050.

CCS thought it would be best to know the current status of affairs, so we can see what is working and what needs greater effort.

Crime Rate for Maroondah 6732......Vic 8227 Safe walking at night M 47%......Vic 55% Family incidents M 1306..........Outer East 1669 Well-being index M 76............……Vic 77 Life satisfaction M7.7 ……................ Vic 7.8 Health M 48% …….......................... Vic 43% Physical activity 54% .....Eastern region 52% Unemployment M4 .9 < 4.4 Weekly income M $1544…… Vic $1419 Tertiary education 54.1%……Eastern region 55.5% Four-year-old kinder 93% participation Art space visits for Maroondah 168,389 visits

Waste 2019/20 57% organics recovered previously 54%

Inclusiveness

Trees 2019/20 23,000 planted strategy to get 70,000 trees into streets, no time line given December 2022 in MCC is carbon neutral purchasing 100% renewable energy…. In 2019/20 greenhouse gas emissions for MCC was 16,368 tons of CO2 Moving into the new building at Ringwood accounted for most of this as it is a 5-star rating building

10.2% suffer housing stress 79.3% are willing to help neighbour 59.2% live in a closeness neighbourhood 73.7 trusty neighbourhood 21.1% volunteer Victorian average 19.2% Satisfaction with Councill overall 65% Satisfaction with decisions made for the public 57% Satisfaction with customer service 74% Satisfaction with Council lobbying for its residents is 56%

Use of public transport 11.8% by residents, interesting given the new major railway works!

57% residences have two or more vehicles Proximity to bus stops 92.5% of residences are within 400 meters of a bus stop Commuter time Maroondah 34 minutes compared with an average to Melbourne 27 minutes

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

Maroondah has 649 hectares of open space Current density is at 19.32 persons per hectare.

NOVEMBER 2023 | FIND MAROONDAH

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2023 TAX UPDATES Small Business Technology Investment Boost — Compliance Guideline A business with an aggregated turnover of less than $50 million may be entitled to a 20% bonus deduction for expenditure relating to a digital business adoption.

The bonus deduction is available for expenditure incurred from 7:30pm (AEDT) on 29 March 2022 (2022 Federal Budget night) until 30 June 2023.

Announcement(29-Mar-2022) Consultation(29-Aug-2022) Introduced(1-Dec-2022) Passed(21-Jun-2023)

Eligible deductions are limited to a cap of $100,000 each income year.

Royal Assent(23-Jun-2023) Date of effect(29-Mar-2022)

Any eligible expenditure incurred by an eligible business in 2021–22 and/or 2022–23 income year must be claimed in the 2022–23 tax return.

Sharing Economy - Expansion of Reporting Regime Now in Effect Starting from 1 July 2023, operators of sharing economy platforms will be required to report transactional information to the ATO. The Taxable Payments Reporting System already applies to some businesses in industries where noncompliance is deemed to be high risk. By adding operators of sharing economy platforms to the regime,

Announcement(25-Aug-2021) Consultation

taxpayers who hold or use assets for short-term lease or contract work will also have their information

Introduced(3-Aug-2022)

collected.

Passed(28-Nov-2022) Royal Assent(12-Dec-2022)

The identification of users of sharing economy platforms means that, as an adviser, you should be informing

Date of effect(1-Jul-2023)3)

taxpayers who earn income off these platforms about their tax obligations. This includes operators of shortterm accommodation, ride-sharing transport and food delivery platforms. Also, other task or time-based service platforms will be required to report for income years beginning on 1 July 2024.

Principal Purpose of a Commercial Vehicle to Determine Application of Luxury Car Tax The ATO has finalised the luxury car tax (LCT) determination LCTD 2023/1 which provides guidance on determining the principal purpose of a commercial vehicle for LCT purposes. A car is excluded from the definition of “luxury car” if it is both a commercial vehicle and is not designed for the principal purpose of Announcement(23-Aug-2023)

carrying passengers.

Consultation period

The tax determination also explains that vehicle body types and modifications done may also determine

Released

the level of ATO’s scrutiny. Utility vehicles, where the passenger capacity is less than 50% of the load carrying capacity are excluded for the purposes of this guideline.

Small Business Energy Incentive to Become Law Businesses with an aggregated turnover of less than $50 million will be entitled to a 20% deduction for expenditure that supports electrification and more efficient use of energy.

This bonus deduction will be available for expenditure incurred from 1 July 2023 until 30 June 2024.

The additional deduction will be available for eligible expenditure of up to $100,000 and is therefore capped at $20,000 for each business.

Announcement(2-May-2023) Consultation(4-Jul-2023) Introduced(13-Sep-2023) Passed Royal Assent

The temporary measure will apply to eligible assets or upgrades first used or installed ready for use between 1 July 2023 and 30 June 2024.

A Bill proposing this measure has been introduced in the parliament and awaits approval.

Date of effect

2023 TAX UPDATES Small Business Instant Asset Write-off — deduction Threshold Set to Increase A Bill proposing to increase the instant asset write off threshold in Div 328 of ITAA 1997 from $1,000 to $20,000 has been introduced in the Parliament. Originally announced in the 2023 Federal Budget, the increased threshold applies from 1 July 2023, and once enacted, small businesses with aggregated turnover of less than $10 million can immediately deduct the full cost of eligible assets.

Announcement(9-May-2023) Consultation Introduced(13-Sep-2023)

This proposed measure applies to the cost of eligible depreciating assets, second element costs and

Passed

general small business pools.

Royal Assent Date of effect

Eligible assets must be first used or installed ready for use between 1 July 2023 and 30 June 2024, and the write-off applies on a per asset basis.

ATO finalises guidance on the deductibility of costs relating to holding vacant land From 1 July 2019 onwards, s 26-102(1) of ITAA 1997 denies certain taxpayers a deduction for expenses relating to holding vacant land. This also extends to vacant land on which there is no substantial and permanent structure in use or available for use.

Announcement(27-Sep-2023)

The finalised Taxation Ruling TR 2023/3 provides the ATO’s view on when there is a substantial structure on land or the land is used in carrying on a business, and the deductibility of expenses relating to holding such

Consultation period Released

land. This tax ruling applies to individuals, SMSF trustees, private trusts and partnerships comprising any of these, but not to companies and managed investment trusts.

Payday super - commencement of consultation process As part of the 2023–24 Federal Budget, the government announced the introduction of “payday super”.

Aiming to provide better retirement outcomes for employees, from 1 July 2026, employers will be required to pay their employees super at the same time as their salary and wages.

This measure aims to increase transparency for employees as well as increase early deduction and compliance actions by the ATO for any unpaid superannuation entitlements.

Announcement(24-Jan-2023) Consultation(9-May-2023) Introduced(13-Sep-2023) Passed

Increased payment frequency of superannuation will also provide additional time in the superannuation fund for employees to benefit from compounding returns.

Royal Assent Date of effect

The Treasury commenced consultation for this measure on 9 October 2023 to receive feedback from industry groups and stakeholders.

Update on NALI Amendments for SMSF General Expenses The non-arm’s length income (NALI) measure announced by the Coalition government in 2022 will be amended to provide greater certainty to taxpayers.

Announcement(2-May-2023)

The intention of the proposal is to include a factor-based approach for trustees to be able to adequately calculate the amount of SMSF income that is NALI income. This factor-based approach applies to a situation where general expenses of the fund are not at arm’s length amounts.

Consultation(9-Oct-2023) Introduced Passed Royal Assent Date of effect

The factor-based approach would apply to general fund expenses incurred after 1 July 2023.

NOVEMBER 2023 | FIND MAROONDAH

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Maroondah Council News

NOVEMBER 2023

Smart Storage to Reduce

Food Waste Workshop

Find out more

Getting food storage right can extend the life of your food, which means less waste and saving money. Cut down on food waste at home with some know-how and simple tips to keep food fresh for longer.

The workshop will cover: • • • • •

tips to use your fridge and freezer wisely, to prolong the life of your food pantry storage to minimise waste know the difference between ‘use-by’ and ‘best before’ dates storing and maximising herbs what you can do with commonly leftover ingredients

Event details Date: Thursday 16 November, 2023 Time: 6pm to 7.30pm Location: Maroondah Federation Estate- Room 4 Cost: Free Registrations essential and places are limited.

This workshop is being presented by Kirsty Bishop-Fox from Sustainability Pathways Discover other waste workshops on our Waste Calendar When Thursday, 16 November 2023 | 06:00 PM - 07:30 PM

A Flair for Dance 2023 A Flair for Dance 2023 When •

Saturday, 18 November 2023 | 07:30 PM - 09:00 PM

Find out more

Maroondah Council News

MAY 2022

findmaroondah.com.au

NOVEMBER 2023

Elvis & Buddy Rock & Roll Sensation oin the highly acclaimed entertainer Mark Caligiuri as he and The Sensational Memphis Beat Showband bring to life the songs of Elvis Presley and Buddy Holly.

Sing along to the songs from two of the most influential Rock and Roll performers of all time - from "That'll Be There Day", "Peggy Sue", "Rave On", "That's Alright Mama", "Suspicious Minds", and "American Trilogy".

Mark has been performing as Elvis and Buddy for 20 years, taking his two-part action-packed show around the world.

This ultimate tribute to two of the greatest entertainers of all time is one show you don't want to miss!

OM:NI (Older Men, New Ideas) (2023) This group brings together men aged over 50 years Meetings are held every 2nd and 4th Thursday of the month.

When Thursday, 16 November 2023 | 10:00 AM - 12:00 PM Thursday, 30 November 2023 | 10:00 AM - 12:00 PM Thursday, 14 December 2023 | 10:00 AM - 12:00 PM Find out more

Sing 120: Lean On Me • • • • • • • •

Just Sing Something is a new community music project providing group singing experiences from cradle to grave.

At this event people will learn Bill Withers' classic hit Lean On Me in four-part harmony, in 120 minutes.

Just Sing Something is open to all adults, from those with no group singing experience to experienced singers.

Date: Wednesday 15 November Time: 7:30pm - 9:30pm Venue: Ringwood Uniting Church , 30-32 Station Street , Ringwood 3134 Bring a water bottle and 'can-do' attitude.

Register online to reserve your place.

Find out more

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Maroondah Council News

NOVEMBER 2023

Christmas Cookie Decorating Decorate pre-made biscuits with fondant icing, stamp out your design and embelish with food safe paint, sparkles and other edible bling!

The perfect workshop to do with friends as your seasonal catch-up, or on your own to create a sweet Christmas treat!

Find out more

Recycle Right with Maroondah Council •

Come celebrate National Recycling Week with us!

•

Learn all the do’s and don’ts of recycling in Maroondah.

Listen while recycling myths are busted and get all the tips on how to do it right for a better today and tomorrow.

• • • • •

Event details Date: Friday 17 November 2023 Time: 10.30am to 11.30am Location: Realm Library (The Cave) Cost: Free

Read More

VFE - Fitness and Community Engagement Veteran Fitness Engagement (VFE) is a free 30 minute fitness and community enagagement opportunity founded by a military veteran for the purpose of connecting veterans with the civivilan community to stregthen our interactivity during and post service obligations.First responders are encouraged to participate as we acknowledge their service to respond, protect and care for our community.

Find out more

findmaroondah.com.au

Maroondah Council News

MAY 2022

NOVEMBER 2023 | FIND MAROONDAH 21

NOVEMBER 2023

Money Matters EACH - Term 4 2023 Financial literacy sessions for anyone wanting to know a bit more about how to take care of your own finances.

Understand the fundamentals of financial literacy, budgeting, spending, borrowing and saving, and being a wiser consumer.

Wednesday, 15 November 2023 | 04:00 PM - 06:00 PM

Find out more

Drawing with Owen - North Ringwood Community House A class devoted to the art of drawing. Learn techniques and pencil skills to use in landscapes, shading and structure, Explore the colour wheel and perspective; 3D drawing and effects.

When Wednesday, 15 November 2023 | 01:00 PM - 03:00 PM Wednesday, 22 November 2023 | 01:00 PM - 03:00 PM Wednesday, 29 November 2023 | 01:00 PM - 03:00 PM Wednesday, 06 December 2023 | 01:00 PM - 03:00 PM Find out more

Mature Rainbows Mature Rainbows is aimed at Maroondah Residents (50 years+) who identify along with their Ally & Friends Community.

The group provides a support network for LGBTI+ residents aged 50+ to connect in a safe and inclusive space, reduce social isolation and loneliness, build friendships, share stories/information and provide education where needed.

Group details Maroondah residents aged 50 years + Date: Last Friday of each month Time: 10.30am to 12pm Venue: Kerrabee (Lower Activity Room) 3-5 Louisa Street, Croydon Read More

NOVEMBER 2023 | FIND MAROONDAH

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22 FIND MAROONDAH |NOVEMBER 2023

Maroondah Council News

findmaroondah.com.au

NOVEMBER 2023

Friends of Wombolano Park

volunteer working bee Join Friends of Wombolano Park volunteers and help care for remnant bushland.

10am - 12pm, and then have morning tea at the playground from 12pm to 12.20pm.

Friends of Wombolano Park volunteers help care for remnant bushland in Wombolano Park by removing weeds and planting indigenous plants. Other activities may involve laying jute mat for weed/erosion control and collecting litter.

Please wear sturdy shoes, long pants and long-sleeved shirt, and bring gloves, tools if you have them (e.g. sturdy trowel, secateurs), drinking water and morning tea.

The group meets on the third Sunday of the month from

Maroondah Teen Dinner This event is for autistic individuals and families/support workers to come and meet up.

Enjoy board games, BYO device for our Kahoot quiz, and connect with like-minded individuals. Meal costs are at your expense.

You may like to bring along a charged device and noise cancelling headphones.

All attendees under the age of 18 needs to be supervised with a parent, carer, support worker or responsible adult.

We do not provide 1:1 support.

Parents, carers and support workers must purchase a ticket. The ticket may be claimable on NDIS if applicable.

We do not offer refunds.

Sunday, 19 November 2023 | 05:30 PM - 07:30 PM Sunday, 17 December 2023 | 05:30 PM - 07:30 PM Find out more

When Sunday, 19 November 2023 | 09:30 AM - 12:00 PM

NOVEMBER 2023 | FIND MAROONDAH 23

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Maroondah Council News

NOVEMBER 2023

Doubt (Again) Doubt (Again) explores doubt as a speculative matter in the making of art.

Seventeen years ago artists, Lou Hubbard, Sanja Pahoki, Kiron Robinson and Lani Seligman explored this idea in an exhibition titled Doubt in 2006.

Over the years, these artists have developed a method of working together that responds directly to a gallery site, both in its physical and psychological dimensions, as

well as to the proposed artworks. This involves the group meeting several times in the lead up to an exhibition to discuss and respond to the development of each other’s work.

Formed through this ongoing dialogue, 'Doubt (Again)' revisits this notion to present new works by each artist, across sculpture, photography and installation in the context of ArtSpace at Realm.

Exhibition Launch Join us to celebrate the combined launch of Doubt (Again).

With opening remarks by Kyla McFarlane, Academic Engagement Manager, Museums and Collections, University of Melbourne.

• • •

Date: Thursday 7 December Time: 6pm to 7.30pm Venue: Artspace at Realm.

Sleep & Settling Information Sessions - Toddlers (12 months +) Topics covered will include: • • • • •

Typical sleep patterns and routines Typical baby development and how it can affect sleep patterns Age appropriate sleep and settling strategies Challenging sleep patterns Common challenges families experience and resources available.

There will be opportunity at the end of the session to ask any questions and have a one on one phone call with the group facilitator if you choose to.

Find out more

NOVEMBER 2023 | 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

SUPPORT YOUR LOCAL NOT-FOR-PROFIT

NOT-FOR-PROFIT OF THE MONTH NOVEMBER 2023

The Ringwood RSL Sub Branch and its Club PURPOSE AND SERVICES RSL licenced and gaming Sub Branches are part of a network of community clubs that is integral to the fabric of the Victorian community.

Our primary objective as an RSL Sub Branch is to support serving and former ADF members and their families as well as our other members. We offer members activities and facilities to host ‘get togethers’ to enjoy each other’s company, to swap stories and particularly for veterans to share experiences and support and help each other in an empathetic environment. We are not for profit and operate with the sole purpose of supporting veterans, our members and their families.

The welfare and support work of the Sub Branch is its major focus and during the year we help many veterans in the Eastern Metropolitan Region of Melbourne. Our pension advocates provide assistance for veterans in applying for support from the Department of Veterans’ Affairs. This is a highly valued service at the core of our objectives as an RSL Sub Branch. In addition, our Welfare Coordinator and her team of volunteers provide much needed welfare and practical support to veterans in our region as well as to the older and less mobile members of the Sub Branch. These volunteer services include in-home and hospital support, welfare help, transport assistance, mobility aids as well as minor house and garden maintenance etc. Services such as these have a particular value for our frailer members but also for others in our community who need our help.

The Sub Branch also sponsored a team for this year’s veteran Games on the Gold Coast.

One of our major responsibilities is to conduct commemorative services for the Ringwood community to mark ANZAC, Remembrance and other days marking major military events of significance to the Nation. In support of these activities, we work with the

Maroondah City Council to ensure the Ringwood Clock Tower Memorial Park remains a fitting memorial commemorating the lives of our serving and veteran personnel, particularly those who gave their lives protecting Australia and its values.

To underpin these services and to generate the funds needed to provide these support services, we conduct a number of hospitality trading operations. Some of this revenue comes from gaming operations but gaming is only an adjunct to what we offer our members and is not prominent in our premises. As well, in Victoria gaming is tightly regulated with the Government and industry working hard to create a responsible attitude towards this form of entertainment. The Sub Branch has a number of measures in place to promote moderation in gaming including having volunteer chaplains and a social worker available to provide counselling, advice and assistance.

The Sub Branch also conducts two annual appeals (ANZAC badge & Remembrance Poppies) and all funds raised go to supporting veterans and their families.

We are proud to be able to provide a range of benefits to the Maroondah Community, including bursaries to secondary colleges, and sponsorship of the Maroondah Brass Band, The Ringwood Pipe Band, local football, netball and cricket clubs.

In addition to this, we contribute in the order of $225,000 towards funding welfare services to the wider Victorian veteran community and other work of the RSL State Branch including assisting smaller Victorian sub branches.

Our contribution to the local community in goods and services purchased and employment of 50 staff from the surrounding community is about $ 3,500,000 annually.

GOVERNANCE The Sub Branch is part of the Victorian network of RSL Sub Branches which is coordinated by the RSL Victorian State Office. Its rules and By-Laws are harmonized across the State and approved by the delegates to the annual State Conference. In addition, the Sub Branch is subject to Federal not for profit and charity legislation, the Victorian Veterans Act, State Incorporated Associations, liquor and gaming legislation as well as employment, workplace health and safety laws.

The real property of the Sub Branch is overseen by trustees appointed under the provisions of the Victorian Veterans Act. The management structure of the Sub Branch comprises a committee of management composed of the executive officers (President, Snr Vice President, Vice President, Secretary & Treasurer) and general committee members (normally 3-4 in number) who are elected by members on a two-year rotation. This committee is supported by a general manager, assistant managers (4) plus permanent and casual staff members.

ACTIVITIES & PROGRAMS VETERAN FITNESS ENGAGEMENT

The VFE is designed to promote connection through exercise and conversation with the modern-day veteran, families and friends at Ringwood RSL. Our aim is to create an engaging environment in a space that’s familiar with the model of camaraderie within the ADF and create lasting friendships for a life after service. The Wednesday evening program is open to veterans, their family members, RSL members, police, first responders and the local community.

Connection is the key to conversation, being available to spend time in a mutual activity, sharing a meal afterwards to unwind and allow people to relax and enjoy their evening with a sense of achievement and connection.

WELLBEING & PENSION SERVICE - OASIS SUPPORT CENTRE The Oasis Support Centre Ringwood is a service of the Ringwood RSL Sub Branch and provides Welfare and Pension support services to serving and former members of the Australian Defence Force (ADF), their families & the wider community.

Our Wellbeing Services Coordinator is professionally qualified to assist current ADF Service, our Service Members, Veterans & Community members.

Assistance is provided via referral to support agencies including: • • • • • • • •

Home & Community Care Transportation Healthy Eating & Access to Meals Occupational Therapy Wellbeing Services Bereavement, Funerals/ Eulogies Counselling Legal Aid

The Wellbeing Support Office also provides support through phone calls & visits to Aged Care Facilities, Homes & Hospitals.

The Qualified Advocates within our Pensions Office provide serving and former members of the Australian Defence Forces (ADF) and their families with guidance and assistance in making claims through the Department of Veteran Affairs (DVA).

SOCIAL INCLUSION PROGRAMS MEMORABILIA TEAM The memorabilia team meets on Monday mornings to arrange the displays and to catalogue and maintain our holdings of military memorabilia.

STRENGTH & MOBILITY EXERCISE CLASS

On Tuesdays at 10am-11am we conduct an exercise program aimed at enhancing general strength & mobility and led by a Qualified Exercise Physiologist, Strength & Conditioning Coach.

FRIENDLY FRIDAY SOCIAL GROUP

Fridays at 10am- 12pm in the VC function room The group meets every 1st, 3rd & 4th week and has a number of activities each week to enhance social inclusion & community engagement.

FRIDAY NIGHT BOARD GAMES

Fridays from 5:30 pm. A range of board games is provided or bring your own. All welcome.

WOMEN’S AUXILIARY GROUP

The group meets monthly and conducts regular events & activities for members. There are numerous activities including Bingo, Bus trips, Raffles & additional events.

WAR WIDOWS GROUP The group meets monthly.

BINGO

There are weekly Bingo sessions each Thursday @ 1pm and 2pm.

ADDITIONAL ACTIVITIES

Additional clubs such as golf, angling and pool clubs are also available for members who may have interests in these areas.

Further details are available upon request.

28 FIND MAROONDAH |NOVEMBER 2023

findmaroondah.com.au

December 17th Join us again for a wonderful evening of Christmas Carols, family activities, food trucks, local market stalls and more!

Christmas Market/Food stalls from 4pm - Entertainment for the kids start at 6:30pm - Christmas Carols start at 7:15pm.

Outdoor venue, bring a chair or picnic blanket and settle in for an evening of fun. facebook event https://www.facebook.com/ events/1378432656391282

NOT-FOR-PROFIT EVENT ADVERTISEMENT

OCTOBER 2023

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NOT-FOR-PROFIT EVENT ADVERTISEMENT

30 FIND MAROONDAH |NOVEMBER 2023

Ringwood U3A members enjoying a pleasant Wednesday afternoon.

Our creative Tuesday Patchwork class.

NOVEMBER 2023

findmaroondah.com.au

Ringwood U3A is a small but very friendly group located over two convenient Ringwood locations.

Our curriculum covers a wide range of classes - Exercise, Discussion groups, Board games, Wine tasting, Creative writing, Family history and Craft groups. We also offer Armchair Travel, Badminton, Current Affairs, Computer support and Language classes. We offer classes that can broaden your mind or just enjoy a social outing with like minded people. We are always on the lookout to add more classes so if you have an interest and would love to share your knowledge with interested others you would be more than welcome to broach your idea to us. All our tutors/leaders are well supported by the Committee and our members. Ringwood U3A’s enrolment day is Friday December 1st and at a one off payment of $65.00 per year which gives access to all classes is a great price. If you would like to find out more information please check our website u3aringwood. org.au Ring 0481 591 224 or email info@u3aringwood.org.au

NOT-FOR-PROFIT EVENT ADVERTISEMENT

NOVEMBER 2023

Abbeyfield Community House in Croydon Abbeyfield Houses is a large group house but it is not an institution or a facility. It is an ordinary house in an ordinary street. Our house provide supported accommodation for up to 10 people aged 65 years or more who are looking for affordable independent living.

Abbeyfield residents live independently within a shared, supportive environment. The residents ‘come and go’ as they please, socialise with other residents as much as desired, enjoy the support of a housekeeper and remain engaged with the community.

Abbeyfield Croydon is the first purpose-built Abbeyfield house in an outer suburb of Melbourne Abbeyfield Croydon is a well maintained and affordable accommodation option for older people who are looking for a private bedroom, support,quality meals and companionship.

The home is situated in a suburban street in Croydon, in a lovely garden setting, close to shops and transport within easy walking distance. It provides safe, homely and affordable housing for older people in our community.

All residents enjoy individual private suite comprising bedroom and ensuite and share a comfortable lounge room, dining room, garden, and laundry.

Nutritious meals are cooked onsite by the housekeeper and all maintenance and house costs are covered by Abbeyfield Australia.

All Enquires to admin@abbeyfield.org.au or 03 9419 8222.

Contact us to talk about living in an Abbeyfield house to help you stay independent, happy and active!

NOVEMBER 2023 | FIND MAROONDAH

31

NOVEMBER 2023

Holiday House Has Landed at Hairhouse

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Hairhouse The holiday season is always exciting, even more so when haircare gift sets and coveted exclusives are finally here!

Head in-store today to discover an amazing range of new releases, limited edition holiday packs, exclusive offers and more!

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NOVEMBER 2023 | FIND MAROONDAH 33

findmaroondah.com.au

RETIREMENT &

By Warren Strybosch

When entering residential aged care in Australia, you typically have the option to pay for your accommodation through a Refundable Accommodation Deposit (RAD) or a Daily Accommodation Payment (DAP). The choice between the two payment methods depends on your financial situation and preferences.

Here's a brief overview of each option: Refundable Accommodation Deposit (RAD):

•

The RAD is a lump sum payment made to the aged care facility.

•

It is a refundable deposit, which means that when you leave the facility (e.g., if you pass away or no longer need residential care), the RAD is refunded to you or your estate.

•

The amount of the RAD is agreed upon between you and the aged care provider and can vary significantly depending on the facility, its location, and the quality of accommodation.

•

The RAD doesn't affect your ongoing aged care fees, which are determined based on your income and assets.

•

Interest on the RAD is paid to you or deducted from your daily care fees.

The interest rate is determined by the government.

2.

Daily Accommodation Payment (DAP):

•

The DAP is an ongoing daily payment for your accommodation.

•

It is calculated as a proportion of the RAD (e.g., the equivalent of the RAD divided by 365 days) and is paid on a daily basis.

•

•

circumstances and preferences. Some factors to consider when making this decision include: •

Your financial resources: If you have the financial means to pay a lump sum RAD without impacting your quality of life or financial security, this option may be suitable for you.

•

Cash flow: If you prefer to keep your money invested and maintain your cash flow, a DAP may be more appropriate, as it spreads the cost over time.

•

Estate planning: If you want to preserve your assets for your estate or beneficiaries, a RAD may be the better choice because it is refundable upon departure.

The DAP is not refundable; it is an ongoing expense for as long as you reside in the aged care facility.

Like the RAD, the amount of the DAP can vary based on the facility and the agreed-upon RAD.

The choice between paying a RAD or a DAP often depends on your financial

NOVEMBER 2023

Should you pay a RAD or a DAP when entering Aged Care?

AGED CARE

1.

AGED CARE

•

Negotiation with the facility: You can negotiate the RAD amount with the aged care provider, so it's advisable to discuss your options with them and consider your financial situation carefully.

However, one must be careful if they agree to pay a RAD and then don’t have the funds. You have 30 days from entering aged care accommodation to decide how you want to make your payment. If you choose to pay a lump sum (the RAD) you then have 6 months to pay the money to your provider. If after the 6-month period, you cannot afford to pay the RAD, the provider can either proceed to sue you for not meetingyour contractual obligations or they can remove your loved ones from the premises for non-payment. It is better to agree to pay the DAP even if you believe you have enough funds to pay the RAD. Whilst paying the DAP, at any time you can make contributions to the RAD, which will then reduce the DAP payments.

Regardless, of which decision you make, it is essential to consult with a financial advisor to determine the best payment option for your specific circumstances.

Additionally, you should understand how your choice will impact your aged care fees and your overall financial situation, including any government benefits or subsidies you may be eligible for.

NOVEMBER 2023 | FIND MAROONDAH

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34 FIND MAROONDAH |NOVEMBER 2023

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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NOVEMBER 2023 | FIND MAROONDAH 35 PROFESSIONAL SERVICES

findmaroondah.com.au

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)

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

warren@findinsurance.com.au

248 Wonga Road, Warranwood VIC 3134

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

General Insurance We specialise in the following: • Business Pack Insurance • Professional Indemnity • Public Liability - Business related only

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

• Landlord Insurance • Height Safety Insurance

• 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

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

Australia’s Trusted Height Safety Insurance Brokers Height Safety Insurance Brokers Trust the insurance experts in covering your business against risks and losses. Let us create a specialised program for you to ensure any overlooked issues are covered. If you’d like us to handle insurance renewal get in touch with our friendly team. We also offer free assessments of your current program so you can make an informed decision for your business’ wellbeing. www.heightsafetyinsurancebrokers.com.au 0418 300 096 | sales@heightsafetyinsurancebrokers.com.au

CRAIG ANDERSON GENERAL INSURANCE

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

ABN: 26689211803

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

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

NOVEMBER 2023 | FIND MAROONDAH

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36 FIND MAROONDAH |NOVEMBER 2023

findmaroondah.com.au PROFESSIONAL SERVICES

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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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.

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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.

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703 Whitehorse Road, Mitcham VIC 3132

03 9872 5455

admin@findwealth.com.au

OCCUPATIONAL HEALTH & SAFETY

LOCAL TRADIES

PAGES

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.

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

ADVERTISE HERE

NOVEMBER 2023 | FIND MAROONDAH

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PAGES

HOME & GARDEN

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

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

NOVEMBER 2023 | FIND MAROONDAH

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

HEALTH & BEAUTY

SPORTS NOVEMBER 2023 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

NOVEMBER 2023 | FIND MAROONDAH

41

SPORTS

NOVEMBER 2023 EDITION

Norwood Netball Club

Sign On News Strong Defender and one of Norwoods Best & Fairest winners in 2023, Jade Olsen is locked in for 2024!

Norwood Netball is proud to announce the signing of Steph Tilley for the 2024 season.

Jadeo hobbies include “netball der, gym and camping” although when asked who is her fav Suncorp netballer she responded “I don’t watch”.

Steph competed in winter 23 and finished with a goal total of 165 Points

Her favourite food is all savoury comfort foods.

Jade started with us in 2023 and her favourite thing about Norwood from the year was the friendships she has made! “Everyone is so kind, social and respectful.

We are all so passionate about our club and sports!”

Excited to have you back Jade and we look forward to watching the strength you bring to our defence grow in 2024!

Assistant Coach Announced Norwood FC is very excited to announce Wayne Van Der Ross as our new assistant coach.

Here is a look at Wayne's impressive resume.

Played junior football at Knox FC. 6 x Club BnF 5 x League BnF 6 x Interleague team & captain Also represented Eastern Ranges at u16s & u18s.

Played at Box Hill Hawks 2000-2001.

Played senior football at Knox, Silvan & Eastern Lions.

Won premiership at Silvan 2004 Start coaching in 2009.

Senior assistant & reserves coach at Glen Waverley Hawks FNC (EFNL) 2009 to 2013.

Senior assistant/Forward line coach at Ringwood FC (EFNL) 2014 Senior assistant/reserves coach at Lilydale FC (EFNL) - 2018 & 2019 Senior Coach at Knox FC (EFNL) - 2020 Senior Coach at Yarra Glen FC (Outer East FNL) - 2021 & 2022 Senior Coach at Whittlesea FC (NFNL) 2023 Currently doing his level 2 AFL coaching accreditation We'd like to welcome Wayne and his wife Sarah and three daughters Evie, Mia & Layla to the Norwood FC.

Her favourite food is pizza and pasta and works as a Physical education teacher!

Her favourite Suncorp netball is Donnell Wallam and she use to follow the magpies but not anymore. (Wonder if she will take up the mavericks as her new team) Stephs favourite thing about NFNC is the Thursday night training dinners with playing group and the support the group show for each other!

We’re glad to see your return to Norwood in 2024 Steph

SPORTS

NOVEMBER 2023 EDITION

Hey Eagles, we have made a slight adjustment in our event calendar. Due to circumstances we have decided not to go ahead with our Cup eve night.

Instead we will open the rooms up on Cup day and offer a Cup Day event, for those that around and looking for something to do.

We will open up snagmart for the day and have the canteen and bar open. We will also offer sweeps for each of the races and the main event Melbourne Cup! So wear your best or worst race day attire and come spend a fun day at the club with the Eagles family!

NOVEMBER 2023 | FIND MAROONDAH

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NOVEMBER 2023

FREE ADVERTISING Religious Groups and Churches Services Times Public Notices

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

findmaroondah.com.au

NOVEMBER 2023 | FIND MAROONDAH 45

An Open Letter to the

Maroondah Community The following statement is addressed to the City of Maroondah community and comes from church leaders who are the signatories below. We acknowledge that we don’t formally represent all churches and their leaders, nor at some points, the diversity of views within our own congregations.

Since the arrival of white settlers in 1788 to these lands now known as Australia, the Christian Church has had a paradoxical relationship with Australia’s First Peoples. Some churches approached the First Peoples with good intentions, standing with them in the name of justice, considering their wellbeing, culture, and language. However, others shared the values of the emerging colonial society, including paternalism and racism. They were complicit in the injustice that resulted in many of the First Peoples being dispossessed from their land, their language, their culture, and their spirituality.

As current church leaders in the City of Maroondah, we acknowledge this difficult history, and we make this statement to encourage our church communities and the wider community to engage in the important community conversation on the proposed Indigenous Voice to Parliament.

During this time, whilst so much is said and written, we encourage the City of Maroondah community to accept the generous invitation of our local First Peoples to engage with them and their planned activities, to carefully listen to their stories and to the voice of their Leaders.

We note that the proposed Voice to Parliament comes not through normal political channels, but as the result of a gracious invitation to the Australian people through the Uluru Statement from the Heart that says [in part], “We seek constitutional reforms to empower our people and take a rightful place in our own country. When we have power over our destiny our children will flourish. They will walk in two worlds and their culture will be a gift to their country.

“We call for the establishment of a First Nations Voice enshrined in the Constitution.

“We invite you to walk with us in a movement of the Australian people for a better future.”

It is not our place to advise people how they should vote. However, we wish to encourage the community not to play into the polarised political world, but to rise above it and to engage with respect and kindness, even when we disagree with each other.

Prejudice, violence, and discrimination in any form do great harm to the fabric of our community. Jesus Christ, and others throughout history who have called for justice in non-violent ways, provide us with wonderful examples of how we must always seek justice; to speak out against injustice and to care for the oppressed and the marginalised.

As Christian leaders, we call the Church, in particular, to the way of reconciliation between the first and second peoples of our country and to see this as a sign and symbol of that coming reconciliation and renewal, which is the end in view for the whole creation.

Grace and peace, Ps Kaye Reid, Ringwood Church of Christ Ps Andrew Harris, Croydon Hills Baptist Church Rev Peter Mallen, Croydon North Uniting Church and Croydon Uniting Church Ps Scott Hawkins, Urban Life Church Ps Tom Kenneally and Ps Kay Brown, Ringwood Community Church Rev Andy Tiver, Ringwood North Uniting Church Rev Lucas Taylor, Ringwood Uniting Church Ps Mark Nidenko, Heathmont Baptist Church Ps’ Cliff and Philippa Fielding, TLC Church Rev Robert Humphreys, Maroondah Fellowship of Churches Adam Bryant, Chaplain, Ringwood Secondary College

With thanks to the Mornington Peninsula Pastors Network for the wording of this statement.

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Religious Groups and Churches

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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

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