Find Maroondah - November 2025 by Find

By Joe Lam

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COLUMNIST CONTRIBUTORS

COPYWRITER / ACRREDITED EDITOR

Are you our next Copywriter? ?

Are you our next Wedding Planner? ? ?

Are you our next Life Coach?

Are you our next Bookkeeper?

CLUB SPONSORS

joanna srtybosch erryn langley

JODIE

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.

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

The

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.

We value your support,

The Find Maroondah Team.

Maroondah

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 SUPPORT: 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 respect to their Elders - past, present and emerging - and acknowledges the important role Aboriginal and Torres Strait Islander people continue to play within our community.

DISCLAIMER

Readers are advised that the Find Maroondah accepts no responsibility for financial, health or other claims published in advertising or in articles written

Celebrate Community Spirit at the Maroondah Festival

By Joe Lam

Every year, the heart of Croydon comes alive with colour, laughter, and music as families, friends, and neighbours gather for one of the most loved community events in the east — the Maroondah Festival. Held at Town Park, Croydon, this free family event is a true celebration of local life, showcasing the best of Maroondah’s talent, culture, and community spirit.

As you stroll through the festival grounds, you’re greeted by the smell of delicious food from local vendors, the sound of live bands playing,and the sight of children dancing,painting,and exploring with wide smiles. It’s more than just a day out — it’s a reminder of how vibrant and connected the Maroondah community truly is.

Organised by the City of Maroondah, the festival offers something for everyone. From live stage performances and cultural showcases to creative workshops, community stalls, and sustainability exhibits — every corner of Town Park buzzes with activity. Local schools, sporting clubs, artists, and not-forprofit groups all come together to share what they do, inspire new members, and connect with residents.

Families can enjoy kids’ rides, interactive play zones, and fun performances, while food lovers can explore a variety of cuisines from food trucks and local favourites. For those wanting a slower pace, the community and market stalls provide the perfect place to browse handmade crafts, local produce, and creative goods.

What makes the Maroondah Festival so special is its focus on community connection. It’s not just an event — it’s a celebration of the people who make the area what it is. Local businesses and community organisations play an important role in bringing the festival to life, helping create a day filled with laughter, discovery, and togetherness.

Over the years, the festival has become a highlight on the local calendar — a day where new residents feel instantly welcomed and long-time locals reconnect with familiar faces. It reflects everything that makes Maroondah a wonderful place to live, work, and belong.

So, whether you’re coming for the music, the food, or simply to soak up the atmosphere, the Maroondah Festival is the perfect day out for everyone. Bring your picnic blanket, invite your friends, and come celebrate everything that makes our community shine.

Event details

• Date: Sunday 9 November 2025

• Time: 10am to 4pm

• Venue: Town Park, Croydon

• In the interest of public safety, the Maroondah Festival is an alcohol, smoke/vape and dog free event.

To learn more about the festival and upcoming community events, visit www.maroondah.vic.gov.au.

Councils are stuck between a rock and a hard place.

NATURE & CONSERVATION

By Liz Sanzaro

Recent changes to the way the State Government uses its available funds to assist Councils has changed. We know the big build happening in Victoria right now is a money pit, at least that is the inference from news sources. So, when funds get tight, the ability to fund other “incidental projects” often suffer.

According to our Maroondah Mayor, Cr Kylie Spears “cost shifting” is likely to be detrimental to many services. The concept of an extra 4th bin for glass only is alone likely to cost Councils many millions.

Councillors who belong to peak groups like the Municipal Association of Victoria MAV, are opposing this bin, for several reasons. The plastic used to manufacture the new bins, is contrary to us reducing the use of plastic. There will still need to be the recycling bin for plastic containers and paper waste. Many

Years ago, Scouts would save beer bottles, and our group CCS saved Newspapers, both were sources of revenue for groups to use for their needs.

CCS founding members collecting newspapers for Australian Paper mills at Alphington, where paper was mulched bleached and reused as newspaper.

A parliamentary inquiry into the sustainability of the local Government sector has reinforced that these kinds of pressure on Councils are widespread.

A cynical person, might take from this, that a good reason might be made to remove a tier of Government.

CCS would say this would be a highly unsatisfactory outcome, as all municipal areas would be treated as a one size fits all, and homogenising our need for local issues, like care for our waterways, friends-groups of reserves, of which there are many across Maroondah, would all disappear, disintegrating community links and well-being.

Maroondah, Manningham and another 27 Councils are asking for reconsideration, as the estimated cost of these is over $4million per Council, cost estimated at around $27 per household.

CCS believes that an alternative is for the new recycling deposit container depots to be re- jigged to allow for wine and beer bottles which will also be effective, as there has been a great uptake of people retrieving their 10cents per item, especially in tight times.

Other services pushed back onto Council recently without financial sourcing are childcare, aged care, immunisations, libraries, and climate adaptation. The real concern as Cr Kylie Spears puts it, is that Councils derive only 3.5% of the total taxation bill, but deliver 20 to 25 % of public services. The real worry is that there will be a mismatch of resident’s expectations and what Councils will be able to responsibly provide and pay for.

A direct quote from Maroondah Councils Budget Influences, “Last of all, cost shifting would leave Council with skeleton staff to monitor the important work of compliance for animal management, tree removal, dumping of rubbish, care of street trees and reserves and libraries as well as school crossing supervisors.”

“Over time, the funds received by local governments to deliver these services do not increase at the same level as actual cost increases. Examples of services subject to cost shifting include the provision of school crossing supervisors and library services. In both these services, the level of funding received by Council from the Victorian Government does not reflect the real cost of providing the service to the community.”

Let’s hope the MAV are successful in establishing group refusal to take on any more previously funded State Government supports for our community. We might also, understand how the “big build” projects are affecting our daily life.

VCE 2025: Supporting the Next Generation of Achievers

By Joe Lam

Thousands of Victorian students are sitting their final exams as the 2025 Victorian Certificate of Education (VCE) continues across the state, running from October 28 to November 19. For many, this period marks not just the end of their school years, but the beginning of new and exciting opportunities ahead. The VCE remains one of Victoria’s most significant academic achievements, undertaken by nearly 50,000 students each year. Whether their next step is university, TAFE, an apprenticeship, or entering the workforce, the VCE serves as a critical stepping stone into adult life.

A Defining Stage in Every Student’s Journey

Typically spanning Years 11 and 12, the VCE allows students to choose from a wide range of subjects — from English, mathematics, and sciences to business management, media, languages, and the arts. This flexibility helps each student explore their interests while developing valuable academic and life skills.

In 2025, the Victorian Curriculum and Assessment Authority (VCAA) continues to refine the VCE to reflect a rapidly changing world. The emphasis now extends beyond exam results, with a focus on creativity, collaboration, and resilience — qualities that prepare students for success well beyond the classroom.

Pathways for Every Ambition

While many aim for a strong Australian Tertiary Admission Rank (ATAR), the VCE offers more than one route to success. The VCE Vocational Major (VM) provides an alternative pathway that blends academic learning with practical, hands-on experience. Through the VM, students gain employability skills, explore career interests, and build confidence in real-world settings. Whether they plan to pursue higher education, a trade, or direct employment, the VCE empowers them to follow their own paths.

The Power of Support

Balancing studies, part-time work, and personal commitments can be demanding, and the support of families and communities is crucial. Parents play a key role by offering encouragement, open communication, and reminders about self-care and balance.

Schools are equally committed to student wellbeing, offering counselling, mindfulness programs, and peer support initiatives. Across Victoria, teachers, mentors, and community groups continue to provide guidance, tutoring, and safe study spaces — ensuring students know they’re not alone in this defining chapter.

Looking Ahead with Confidence

This year’s VCE students have grown up in a fast-paced world shaped by technology, innovation, and social change. Their adaptability, determination, and optimism highlight the strength of a new generation ready to make a difference.

Across schools, there’s a renewed sense of purpose — students are not only focused on academic success but also on contributing to their communities through leadership, sustainability, volunteering, and creative projects.

As the class of 2025 approaches the final stretch, communities across Victoria are preparing to celebrate their achievements. Graduation ceremonies, school assemblies, and local features will soon honour their hard work and resilience.

While ATAR scores attract headlines, they tell only part of the story. The true measure of success lies in the effort, perseverance, and growth each student shows along the way. Together, Victoria celebrates a generation of achievers — confident, compassionate, and ready to take on the future.

From Noise to Momentum: The One Thing Most

Not-for-Profits Overlook in Their Marketing

By Ethan Strybosch

In the world of not-for-profit marketing, visibility is often treated as the ultimate goal. More views, more clicks, more traffic — all signs of progress, right?

I used to believe that too.

But after working closely with dozens of incredible organisations, I’ve come to a different conclusion: visibility without clarity is just noise.

We’ve seen charities doing all the “right” things. Posting regularly. Running ads. Showing up on every platform. Yet despite their efforts, they weren’t seeing results. Their impact didn’t grow. Donations stayed flat. Engagement was minimal.

Why?

Because they hadn’t nailed the one thing that truly makes marketing work: a clear message.

Clarity is what turns a social post into a call to action. It’s what transforms a website visit into a donation. It’s the difference between being seen and being remembered.

The questions every not-for-profit must answer are simple — but powerful:

• What do you want people to do?

• Why should they care?

• How does your mission align with the change they want to see in the world?

When we helped clients uncover and communicate this clearly, everything shifted.

Campaigns started converting. Donors leaned in. Volunteers showed up. The mission came to life in ways that felt tangible and exciting.

This isn’t just theory. It’s the pattern we’ve seen again and again.

So if your organisation’s marketing feels like it’s falling flat, don’t immediately assume you need more content or a bigger ad budget. Don’t just chase reach for the sake of reach.

Instead, pause. Get clear on your message first.

Because clarity is what transforms noise into momentum. And in the not-for-profit world, momentum is what drives real, lasting impact.

DIGITAL MEDIA

Large Super Balances to Face Higher Tax

ACCOUNTANT

By Warren Strybosch

The government has backed away from one of its most controversial proposals — taxing unrealised gains within superannuation. This idea was widely criticised as an overreach and a logistical nightmare. After all, how could investors fund a tax bill on paper profits, particularly if their super fund held illiquid assets such as property or private investments? The administrative complexity alone would have been immense.

Thankfully, common sense has prevailed. However, the government still needs to find new ways to raise revenue — and superannuation remains an easy target. Despite shelving the tax on unrealised gains, the government has announced significant changes to the proposed Division 296 tax measure, which many in the accounting and financial professions have cautiously welcomed.

The key changes include:

• The tax will only apply to future actual earnings, not unrealised gains as originally proposed.

• The $3 million threshold will be indexed to the consumer price index (CPI) in $150,000 increments, keeping pace with the transfer balance cap (TBC). A new second threshold of $10 million will be introduced, with earnings above this level taxed at 40%. This will also be CPI-indexed in $500,000 increments.

• The start date will be delayed by one year to 1 July 2026, based on members’ total super balance (TSB) as at 30 June 2027, with first assessments expected in 2027-28.

• The tax will apply to defined benefit pensions, ensuring consistent treatment across super structures.

The ATO will continue to administer and calculate the Division 296 tax liability, however super funds will be responsible for calculating the realised earnings for each member based on taxable income concepts and report this information back to the ATO.

The government will introduce legislation to implement these changes ahead of the 1 July 2026 start date, following further consultation with industry.

In summary, the effective cumulative tax rates within super are tiered to the extent they are attributable to balances exceeding $3m or $10m:

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

Important Information

15% plus 15%

296 (TSB $3m - $10m)

15%, plus 15% Div 296 (TSB $3m - $10m), plus 10% (TSB >$10m)

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 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.

Keep It Clean: Why You Must Separate Personal and Business Expenses

BOOKKEEPING

By JODIE MOORE

Let’s be honest — when you’re running a business, especially if you’re a oneperson show, it’s really easy for your personal and business expenses to get tangled up. You grab some printer ink at the store, toss in a few household items, and put it all on your business card because it’s what you’ve got handy.

It doesn’t feel like a big deal in the moment — but trust me, as a bookkeeper, I can tell you this: mixing personal and business spending can cause some serious headaches later on. Keeping them separate isn’t just about being organised (though that’s a big part of it). It actually protects your business, makes tax time a million times easier, and saves you money and stress in the long run.

Here’s why it matters — and how to make it simple.

1. It Keeps Your Books Clean (and Saves You Time)

When your personal and business spending are mixed together, it becomes a nightmare to figure out what’s what. You’ll end up digging through old receipts trying to remember if that Amazon order was for your business or your dog’s new leash.

Clean, separate accounts mean clean records — which makes it so much easier to see how your business is actually doing. You’ll know exactly what’s coming in, what’s going out, and where your money’s going. Plus, if you work with a bookkeeper or accountant, you’ll spend less time (and money) having them sort through messy statements.

With only the expenses that actually belong to the business, you’ll also know where you need to cut back if you find yourself overspending, or when your profit is increasing and you can comfortably expand your business, perhaps go from Sole Trader to Company and take on an employee.

2. Tax Time Will Be a Breeze

If you’ve ever sat down at tax time and realised you can’t tell which expenses are business-related, you know how stressful that feels. Mixing personal expenses into your business account makes it easy to accidentally claim something you shouldn’t — and that’s not a position you want to be in if the ATO ever takes a closer look.

When your business account is used only for business, your tax deductions are crystal clear. You’ll have accurate records ready to go, and your accountant will love you for it. In an audit, you’ll need to justify every business deduction. If your records are mixed, proving what’s business and what’s personal becomes nearly impossible. Keeping your finances separate not only helps you maximise legitimate deductions, but also protects you from penalties, interest, and the stress of an audit gone wrong.

3. It Protects You Legally

If you have an LLC or corporation, one of the main reasons you set it up was probably to protect your personal assets. But here’s the catch: if you mix personal and business funds, that legal protection can disappear. Lawyers call it “piercing the corporate veil” — which basically means your personal assets could be on the line if something goes wrong.

Keeping your finances separate shows that your business is a legitimate, independent entity. It’s a small habit that can save you from big problems later.

4. You’ll Look (and Feel) More Professional

Having a dedicated business bank account makes you look more puttogether — to clients, vendors, and lenders. If someone writes you a check to your business name, you can deposit it right into your business account, not your personal one. And if you ever apply for a loan or line of credit, clean business records will help you get approved faster. It’s not just about appearances, either. There’s something about treating your business finances separately that makes you feel more like a real CEO — even if you’re a team of one.

5. How to Keep It Simple

Here are a few quick tips to make the process easy:

• Open a business bank account just for your business income and expenses.

• Get a business credit card for workrelated purchases only.

• Pay yourself properly — transfer money from your business account to your personal account instead of spending directly. One larger transfer each month is better and easier to track than lots of little transactions. Or better yet, set up Payroll and pay yourself a regular wage. Speak to your Bookkeeper about setting this up correctly and what it means for your business.

• Track your expenses with bookkeeping software (Xero is super easy to use with most of the work done for you. And the monthly subscription is tax deductible)

• Check in monthly to make sure everything’s categorised correctly.

Keeping your personal and business finances separate might take a little extra effort at first, but it’s one of the best habits you can build as a business owner. It saves you time, reduces stress, and gives you a clear picture of how your business is really performing.

And the best part? It saves you time, money, and stress — and gives you the clarity you need to make confident, informed decisions about your business.

Clean books are powerful. When your finances are organised, your business runs smoother, and your peace of mind grows right along with your profits.

Vitamin D – The nutrient your body makes in the sun.

NATUROPATHY

By Kathryn Messenger

It’s probably the first time in history, other than perhaps for people who worked in the mines, when people work, travel, and spend leisure time without any exposure to the sun. In the past, even those who worked indoors would often walk to work, and most people would have a veggie garden that they spent time working in. In this current era when we have awareness of skin cancer, it seems we might have gone a bit too far.

The main role of Vitamin D is to put calcium into bones. It does this by promoting the absorption of calcium, then helping to regulate calcium levels in the blood. It also works to repair and remodel bones, by stimulating the absorption and growth of new bone tissue.

Additionally, vitamin D plays a role in muscle function. If you find yourself with a cramp that lasts for more than a few minutes, it’s likely a calcium deficiency in that muscle. Vitamin D is required for

the nervous system, the immune system, aids in blood pressure regulation, and has a role in glucose metabolism. So, as you can see, it’s definitely not a nutrient that should be forgotten.

As we get into the warmer weather, it’s a great time to think about how you can absorb more vitamin D. Most people can spend 10-15 minutes in the sun without burning, and some people can be out for longer. Find your sweet spot - the point before you burn and spend time in the sun with your arms and legs exposed. A great way to do this is to go for a walk or do other exercise at the same time, achieving two health outcomes at once.

Whilst sunscreen is great to prevent getting burnt, many of the ingredients are toxic. I cannot understand why nearly every brand of foundation make-up contains sunscreen, when most women wear makeup indoors. If you are out in the sun for an extended time, consider natural barriers such as a wide brimmed hat, long sleeves, or resting in the shade.

On top of that, there are a wide range of natural sunscreens available, and a cream that contains zinc is a great place to start.

Due to Melbourne’s distance from the equator, we can’t absorb vitamin D all year, so make it a priority when the sun is high in the sky over the next few months. You can do this by incorporating time outside in the sunshine in your weekly routine. This way your body will thank you both now, due to the many roles vitamin D plays, and for when you get older, with strong bones that are less likely to break and fracture.

SMSFs in Australia: Busting the Most Common Myths

Financial Planner

By Erryn Langley

Self-Managed Super Funds (SMSFs) continue to attract Australians who want more control over how their retirement savings are invested. Yet, despite their growing popularity, there are still plenty of myths and misunderstandings about how SMSFs really work.

Before deciding if an SMSF is right for you, it’s worth clearing up a few of the most common misconceptions.

Myth 1: You need a very large balance to start an SMSF. You don’t need to be a millionaire to set up your own SMSF fund. While an SMSF tends to make more sense for those with larger balances — generally between $300,000 - $500,000 makes more sense it’s important to understand whether the control and investment flexibility justify the additional cost and responsibility. For some people, especially couples combining super, an SMSF can be cost-effective option.

Myth 2: An SMSF is easy to run.

Running your own super fund is a serious responsibility. Trustees are personally accountable for all decisions, reporting and compliance. The ATO keeps a close eye on SMSFs to ensure rules are being followed. With the right advice and support, the administrative side can be managed efficiently, but it’s not something to take lightly, talking to professional like financial planners and accountants can help you understand all the requirements.

Myth 3: You can invest in whatever you like. SMSFs do offer flexibility of investments, from direct shares, exchange traded funds and property to term deposits and managed funds. Be aware there are strict rules around what’s allowed. Every investment must satisfy the “sole purpose test”, meaning it must genuinely be for providing retirement benefits. Buying assets for personal use or helping out family members is a definite no-go in the ATO’s eyes.

An SMSF can be a powerful structure for Australians who value control and are engaged with their finances, but it’s not suitable for everyone. Understanding the realities is the best way to decide if managing your own super is the right fit for you.

Erryn Langley

Director and Financial Adviser - GradDipFinPlan

Authorised Representative No 1269525

T:1300 557 144 Email: erryn@cherrywealth.com.au

Website: www.cherrywealth.com.au

Office Address: Suite 4 / 4 - 6 Croydon Road, Croydon 3136

Postal Address: PO Box 657, Croydon VIC 3136

Financial Planning is offered via Cherry Wealth Pty Ltd Ltd ABN 14 653 375 458

Cherry Wealth is a Corporate Authorised Representative (No. 1314769) 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 may not have considered your financial circumstances, need or objectives. You should consider the appropriateness of the advice.You should obtain and consider the Product Disclosure Statement (PDS) and seek assistance from an authorised financial adviser before making any decisions 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 as at the publication dates. 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.

Maroondah Council News NOVEMBER 2025

Council endorses the 2024/25 Annual Report

Council has endorsed its 2024/25 Annual Report.

Mayor of Maroondah, Councillor Kylie Spears, said the report provides an overview of the breadth of Council’s achievements during the past fi nancial year

“Council is proud to endorse the Annual Report 2024/25, as it highlights our signifi cant progress, achievements and activities, as measured against the Council Plan 2021-2025 (2024/25 Update) and the Annual Budget 2024/25,” Cr Spears said.

The report confi rms that Council has made signifi cant advances towards achieving the community aspirations outlined in the Maroondah 2040 Community Vision, in areas including:

• community service delivery

• environmental enhancements

• economic and social outcomes

• infrastructure development

• civic administration and leadership, and

• statutory requirements.

In the past fi nancial year, Council fulfi lled the fi nal year of its outgoing Council Plan 2021-2025, undertaking 40 priority actions, including:

• Adopting the Physical Activity Strategy 2024-2029 and Mullum Mullum Creek Biolink Action Plan 2025-2035; and continuing the implementation of the Maroondah Liveability, Wellbeing and Resilience Strategy 2021-2031, Stadium Sports Strategy 2023, Melbourne East Region Fair Access Policy, Bayswater Business Precinct Transformation Strategy, Sustainability Strategy 2022-2031, and Waste, Litter and Resource Recovery Strategy 2020-2030.

• Developing strategies and plans for a creative Maroondah, climate change, customer service, connected communities, Croydon Activity Centre, and Ringwood North and Croydon South local neighbourhoods.

• Working in partnership to deliver services and cultural experiences in the Croydon Community Wellbeing Precinct Community Hub, and planning for services and experiences in the Cultural Hub.

• Undertaking the staged redevelopment of Karralyka, including the completion of the foyer extension works, and planning for the upcoming construction of the Cultural Hub and Multipurpose Hub within the Croydon Community Wellbeing Precinct.

• Working in partnership to successfully advocate for funding for future stages of the Reimaging Tarralla Creek project, including a $9.8 million grant from the Australian Government Urban Rivers Catchment Program.

• Continuing construction of the $33.6 million Ringwood Activity Centre Car Park; undertaking community engagement and detailed design works for the upgrade of Holloway Road, Croydon; completing the fi rst section of renewal works on the Mullum Mullum Creek trail (between Liris Court and Ashcombe Drive); and constructing 3.82km of footpaths across the Principal Pedestrian Network.

• Successfully advocating for funding from the Australian Government Black Spot Program, including $1.36 million to improve the intersection of Eastfi eld Road and Railway Avenue in Ringwood East; $0.8 million towards four traffi c and pedestrian improvements in Ringwood, Ringwood North, Croydon Hills and Kilsyth; Australian Government Active Transport Program funding for shared use paths along Greenwood Avenue, Ringwood ($0.7 million) and Liverpool Road, Kilsyth ($0.5 million); and joint Australian and Victorian Government Road Blitz Program funding of $3.5 million to prepare a detailed business case for intersection improvements at Yarra Road and Maroondah Highway.

• Completing the Sherbrook Drainage Catchment Upgrade - the fi nal stage of the broader Ringwood Metropolitan Activity Centre drainage upgrades.

• Receiving over $50 million in funding during 2024/25, including successfully advocating for Australian Government funding of $7.5 million for Stage 3 of the Croydon Community Wellbeing Precinct (CCWP) and $7.5 million for the Croydon Main Street Revitalisation project; as well as $1 million from the Victorian Government’s Living Libraries Infrastructure Program towards the new Croydon Library as part of CCWP.

• Adopting the new Maroondah 2050 Community Vision and new Council Plan 2025-2029.

Other Council activities and achievements during the 2024/25 fi nancial year included:

• Undertaking improvements to facilities and playspaces across Maroondah, including retiling and other improvements works at Aquahub; installation of sportsfi eld lighting at North Ringwood Reserve; playspace upgrades at Bungalook Reserve in Bayswater North, Little John Reserve in Warranwood and San Martin Reserve in Croydon North; and renewal works at the Grayswood Reserve skate precinct in Kilsyth South.

• Successfully delivering a range of events for the Maroondah community, including Maroondah Festival, Maroondah Carols, Maroondah Night Run, Run Maroondah, City Nature Challenge, Great Southern Bioblitz, International Women’s Day, Active Kids Healthy Minds, Growing Wellbeing Activity Day, Children’s Week Twilight Picnic, Seniors Festival and Luncheon, Poolside Pride, Australia Day, Mullum Market, and the Celebrate Maroondah movie night, Superhero Sunday and Dogs’ Day Out events.

• Leading sector advocacy on the costs and implications of the Victorian Government proposed glass-only bin service.

• Consulting with the community on important projects, including Council’s Road Management Plan 2025-2029, Maroondah Bicycle Network Plan, Domestic Animal Management Plan 20262029, Communications Strategy 2025-2029, Croydon Main Street Revitalisation, Liveable Neighbourhoods Place Planning, and key future strategic documents, including the new Council Plan, Asset Plan, Financial Plan, Annual Budget and Revenue and Rating Plan.

• Adopting a range of strategies, plans and policies, including the Maroondah Transport Strategy 2025-2035, Road Management Plan 2025-2029, Asset Plan 2025-2035, Public Toilet Policy 2024-2029, Financial Plan 2025/26 to 2034/35, Annual Budget 2025/26 and Revenue and Rating Plan 2025/26 to 2028/29.

Maroondah Council News NOVEMBER 2025

Promoting responsible pet ownership and proactive animal management

Council has endorsed the Domestic Animal Management Plan 2026-2029.

Mayor of Maroondah, Councillor Kylie Spears, said the Plan encourages positive health, safety and wellbeing outcomes for both pet and non-pet owners in the community.

“Council’s Domestic Animal Management Plan 2026-2029 recognises and addresses the needs of Maroondah’s many pet owners while also promoting responsible pet ownership and the effective management of domestic animals, in order to avoid potentially negative impacts on public amenity, the environment and our community’s health and wellbeing,” Cr Spears said.

“We know that pets play an important role in the lives of many Maroondah residents, with around 14,300 dogs and 6,1700 cats registered in Maroondah. With this in mind, the new Plan will continue to emphasise a proactive approach to animal management and will provide a sound basis and direction for Council to make future decisions.

“Thank you to everyone who provided valuable feedback to inform the draft document earlier this year, and to those who shared their thoughts on the draft document more recently. Your feedback has helped us to ensure the Plan recognises the importance of pets while also promoting a proactive approach to animal management.”

Under the Domestic Animals Act 1994, all Councils are required to have a Domestic Animal Management Plan (DAMP) in place for a period of four years, with annual reviews.

Council’s newly endorsed Domestic Animal Management Plan 2026-2029 consolidates and continues signifi cant work carried out over the past four years, including a review of Council’s previous DAMP.

The new Plan consists of eight focus areas, including responsible pet ownership; animal registration and overpopulation; nuisance dogs and cats; domestic animal businesses; and minimising the risk of dog attacks.

Council will continue to work with the community to ensure the responsible management of dogs and cats is in accordance with Victorian Government legislation and local government sector best practice and benchmarking.

Wyreena Makers Market

Join us for another popular Wyreena Maker's Market featuring local artists and makers.

Discover unique, hand-crafted gifts for the upcoming Christmas season or fi nd something special for yourself. Make a day of wandering the historic buildings and gardens while you shop and don’t forget to enjoy something delicious from The Conservatory Café.

Event details

• Date: Saturday 29 November

• Time: 9am to 2pm

• Venue: Wyreena Community Arts Centre, 13-23 Hull Road, Croydon 3136

When Saturday, 29 November 2025 | 09:00 AM - 02:00 PM

Location Wyreena Community Arts Centre, 13-23 Hull Road, Croydon, 3136, View map

OUR VILLAGE

FOR - PROFIT

MONTH OF NOVEMBER

It Takes a Village

We’ve all heard the saying, “It takes a village to raise a child.” And that’s exactly why Our Village exists — to ensure every child gets the best start in life by providing the essentials they need to thrive.

Every week, generous Victorians donate their pre-loved nursery and children’s items — cots, car seats, prams, clothes, books and toys — to Our Village warehouses in Clayton and Geelong. These donations not only give families a helping hand they desperately need, they also give these quality items a valuable second life and divert tonnes of waste from landfill. Once the donations arrive, an army of passionate volunteers get to work. They clean, check and carefully pack every item, ensuring it’s safe and ready for a new home. Meanwhile, maternal and child health nurses and social workers identify families in need and place tailored orders for the essentials that those babies and children require — everything from warm clothes and nappies to a safe cot to sleep in.

Formerly known as St Kilda Mums, Geelong Mums and Eureka Mums, Our Village has grown to become a vital charity with a statewide reach. Last year alone, more than 22,000 babies and children were impacted by Our Village — a remarkable community effort that helps children thrive and gives parents hope.

Here in Maroondah, Our Village has supported nearly 1,000 children and delivered over 3,500 essential items. The secondhand value of those items was over $400,000 — proof that when a community comes together, we can make a lasting difference.

The growing challenge of poverty in Victoria

But the sad reality is that right now, more than 800,000 Victorians — one in eight people — are living in poverty. And they live in every suburb and town across our state.

When parents face challenges such as illness, unemployment, homelessness or family violence, it can affect every part of life — including their ability to provide the stability and warmth children need to feel safe and loved. And without that support, it becomes even harder for children to thrive.

That’s where Our Village steps in. By providing practical essentials and a sense of care, the charity helps families rebuild confidence and connection — making sure no child is left behind.

2025

A

call for help this Christmas

As Christmas approaches, Our Village is preparing for its busiest season of the year.

“The orders are coming in thick and fast,” says Ruth Holdaway, Our Village CEO. “We’re working harder than ever to get preloved cots, prams and other urgently needed items out the door to families in crisis."

It’s heartbreaking to imagine children waking up on Christmas morning without the magic and joy that other children will experience. They won't even have the essentials that many of us take for granted: warm clothes, a blanket, a safe place to sleep.

But Our Village is determined to reach every family on its waitlist before Christmas. Each order includes the essential items children need to stay safe and cared for and, this year, the charity is also hoping to include something extra: a small pack of beautiful pre-loved books and toys for every child to open on Christmas morning.

“We want every child to feel the magic and joy of Christmas,” says Ruth. “Even something as simple as a book or small toy can make a world of difference and help a child realise that someone outside of their family, in their village, cares for them.”

How you can help

There are many ways to be part of Our Village:

• Donate quality pre-loved nursery and children’s items at the Clayton or Geelong warehouses, knowing they will be given directly to families who need them most.

• Volunteer your time, joining a community of incredible people who come together to knit baby blankets, repair cots or sort and pack clothing into beautiful bundles with love and care.

• Make a financial donation to help Our Village meet growing demand and cover the cost of safety checks, packaging and logistics.

Every act of generosity — big or small — makes a real difference.

Because it truly does take a village to raise a child. And Our Village is turning pre-loved into re-loved so every child thrives.

To find out more, donate or get involved, please visit ourvillage. org.au

Welcome to Al-Anon Family Groups Australia

Do you need help to cope with the effects of someone else's drinking?

Is the drinking of your partner, parent, child or friend worrying you?

Did you grow up in a family affected by alcohol abuse?

Alcoholism, alcohol abuse, or problem drinking affects thousands of families in Australia and worldwide. Your inquiry is confidential and anonymous.

If you are concerned about someone else's drinking, we encourage you to browse our website for information about our programs.

AL-ANON'S PURPOSE:

To help families and friends of alcoholics recover from the effects of living with someone whose drinking is a problem.

Similarly, Alateen is our recovery program for young people. Alateen groups are sponsored by Al-Anon members. Alateen provides support for teenagers affected by the problem drinking of a parent or other family member.

Our program of recovery is adapted from Alcoholics Anonymous and is based on the Twelve Steps, the Twelve Traditions, and the Twelve Concepts of Service.

The only requirement for membership is that there be a problem of alcoholism in a relative or friend. Al-Anon/Alateen is not affiliated with any other organisation or outside entity.

GROUPS:

Al-Anon meetings are held in more than 130 countries, and there are around 26,000 Al-Anon and Alateen groups worldwide. There are meetings in every Australian state.

The Victorian Folk Music Club will hold a Concert on Tuesday 11th November featuring local four piece band folkTrain

folkTrain is a band based in the Dandenong Ranges. The band performs an Australian/Celtic blend of tradition and original songs, accompanied by a wide range of instruments including guitar, mandolin, octave mandolin, banjo, accordion, fiddle and harmonica. Since forming in 2010 folkTrain has performed at clubs, pubs and festivals in Victoria, New South Wales and Tasmania. Audience participation is always encouraged! The folkTrain line up is Saskia Adams, Heather Allan, Gerry Breukers and Chris Stack

A Support Act will also be held this night with Rob Fairbairn and Kevin O’Mara, plus a Spot Acts segment.

The Concert starts at 7.45pm and concludes at 10.00pm. Admission is $11 for Club members, $13 concession, and $15 for general. Accompanied kids are free. The venue is the Ringwood East Senior Citizen's Hall. Info and tickets can be found on the Club website at www.vfmc.org.au or calling calling 0411 750 462.!

To Market, To Market Christmas event

Ringwood Church of Christ are creating a beautiful place for you to be on Saturday 15 November. The annual market event held at the church has been rejuvenated with a new date, many new stallholders, and a Chrismassy atmosphere.

This market has often happened in October but this year the re-energised committee have some fresh faces who are super keen to create a delightful space and happy event as we lead into Christmas. The team are eager for you to come along, wander the market and browse the fabulous stalls on offer. There will be heaps of hand-made, beautiful items like jewellery and cushions, as well as yummy food.

Grab a sausage from the BBQ and peruse the plants. Or sit down with a cup of tea or coffee and cake while you catch up with a friend. Listen to the music as you browse the books. The kids can have some fresh popcorn as they have a go at the Lucky Dip. There will be lots to see and do.

External stallholders retain any profits to support their own small business. The remaining funds go towards the work Ringwood Church of Christ does to support the local community, such as through Little Stars Playgroup, Oasis Community Meal, an Emergency Food Relief Pantry, English Conversation Corner and Kids Hope Mentoring.

It’s easy to get to, being a short walk from Ringwood Railway Station and Eastland Shopping Centre, there is a bus stop out the front on Bedford Rd, and some car parking in their Pitt St car park.

Follow along on their socials @ tomarkettomarketchristmas.

Put the To Market, To Market Christmas event in your calendar now, Saturday 15 November 9am-2pm, as it will be a beautiful place to be!

Candlebark Community Nursery Update

The start of spring at Candlebark Community Nursery has been very eventful!

Celebrations!

Gretta Fuller, our longest-serving founding member, who has volunteered continuously at Candlebark since its inception in 1994, celebrated her 90th birthday with family, members, and friends at the nursery on Wednesday, 3 September. Featured below with Jane Edmanson (right), Gretta has dedicated most of her adult life to biodiversity conservation

in our region, while being the backbone and quiet strength behind Candlebark's longevity and success. Congratulations, Gretta!

A return visit from Jane Edmanson

On Friday, 12 September, we were fortunate to have a return visit by Jane Edmanson, well-known gardening presenter and passionate advocate for Australian native plants. Jane first visited us in April 2024, when we were struggling to get on our feet after almost going out of business due to the COVID-19 restrictions. Jane enjoyed morning tea with volunteers and was impressed with the upgrades to the nursery made possible with the help of our members, volunteers and friends. Thanks for your words of encouragement, Jane!

Fundraiser!

We also have something beautiful available just in time for the festive season — Lirralirra 2026 calendars featuring the breathtaking wildlife photography of Kim Wormald. Kim has kindly provided these calendars to help raise funds for both Candlebark and her conservation photography work.

• Members’ price: $25

• Retail price: $28

They make a perfect gift and are a daily reminder of the natural beauty we work to protect together. Pick one up next time you visit the nursery and support two great causes at once!

Spring Planting

We have a wonderful display of Spring colour at Candlebark. Call in to check out the tube stock: $3:00 members/ $3:50 retail. Whether you are looking for colour, wanting to attract more pollinators to your garden or have a tricky spot to fill, our friendly staff and volunteers are always happy to answer questions and offer advice.

Upgrading the retail area is part of the ongoing revitalisation of the nursery, which has seen many major site and facilities improvements over the past 18 months.

If you haven't visited the nursery for a while, come check out the changes while browsing our extensive array of indigenous wildflowers, shrubs, trees, lilies and grasses.

AGM Saturday 23 November

Now we’re looking ahead to our Annual General Meeting, which will be held on Saturday, 23 November, from 12:45 to 3:00 pm. The afternoon will include the AGM, a delicious afternoon tea, and an inspiring guest speaker — details to come soon! All are welcome, so please save the date and join us as we celebrate another year of growth, collaboration, and community spirit. Check our website and Facebook page for updates on the speaker announcement.

Photo Credit: Amazed By The Wild

Photo Credits: Kim Wormald

Photo Credit: Amazed By The Wild

What are “low means” residents in aged care?

It’s not always simple to gain access to the so-called “low means tested” accommodation benefit in aged care — and children encouraging parents to give away money in order to qualify may be stepping into a trap.

What are “low means” residents in aged care?

In the context of Australia’s residential aged care system, a “low means resident” is a category used when assessing accommodation costs. Under current rules, when a person enters a residential aged-care home and their assessable assets and income fall below certain thresholds, they may qualify for a lower contribution to accommodation costs.

(Challenger, 2025)

In simple form: if a parent has limited assets/income, they may be classified as low-means and so face lower daily accommodation contributions — i.e., they are not charged the full published “room price” but a reduced “daily accommodation contribution” (DAC) based on their means.

(Challenger, 2025)

This can seem attractive: for a child or family member wanting to help their parent avoid high accommodation costs, it may appear logical to reduce the parent’s assets (for example by gifting) so the parent qualifies as low-means. But that is where the trap lies.

Here’s the key issue: although the low-means category exists, there is no guarantee of immediate access to an aged-care room under that category. In fact:

Providers are not required to reserve a specific quota of rooms for low-means residents.

(Catalyst Foundation, 2025)

The demand for low-means places may be high, and rooms in desirable locations may be scarce or have waiting lists.

If a parent has given away assets to “qualify” but then faces delay in admission (or ends up in a home where low-means rooms are unavailable), the hoped-for cost savings may not materialise or may come with compromise (e.g., location, room type, quality).

Moreover, for a resident to retain “low means” status, the means test is fixed at the point of entry and remains valid only while they remain in the same facility. If they move, or leave for more than 28 days and re-enter, their assets/income may be reassessed and they may lose the low-means classification — meaning they could face higher contributions.

(Challenger, 2025)

The trap: limited rooms and waiting lists

In short: Encouraging or helping a parent to “gift” funds to qualify as low-means before entry can back-fire if there isn’t availability, or if the parent later requires a different facility, or if circumstances change. It may also affect the parent’s financial security in other ways

(e.g., ability to support themselves, to pay for other forms of care, or retain a cushion for emergencies).

Why children should be cautious

Here are some cautionary points:

Timing and availability – Merely qualifying for low-means doesn’t secure an immediate place in a home of choice. Sites may fill, waiting lists or transfers may be needed, and the “cheap” room may be lower quality or further from family support.

Irreversible financial decisions – Gifting assets is often irreversible. If the parent’s health deteriorates, or they move to a better facility, the assets may be needed for more costly care or extra services.

Means test complexity – The rules for means testing aged-care accommodation are intricate, splitting assets, income, home ownership, couples, “protected persons”, etc. Mis-calculation may result in unexpected contributions or losing the low-means status.

(Challenger, 2025)

Changing rules – With major aged-care reforms coming into effect on 1 November 2025, the landscape is about to change. Strategies based on current rules may not carry forward. Families should plan with full awareness of the incoming changes (see next section).

What’s changing from 1 November 2025?

From 1 November 2025, new rules under the revamped Aged Care Act 2024 (and associated regulations) will apply for new entrants to permanent residential aged care. Major highlights:

The existing “means-tested care fee” will be abolished for new residents and replaced by a Non-Clinical Care Contribution (NCCC).

(Department of Health, 2025)

A new “Hotelling Contribution” may apply (for everyday living costs — meals, laundry, utilities) for residents above income/ asset thresholds.

Providers will be allowed to retain 2% per annum of the lump sum refundable accommodation deposit (RAD) for up to 5 years (i.e., up to a 10% retention) on new entries after 1 Nov. (Aged Care Advisors, 2025)

Daily Accommodation Payments (DAPs) for those paying daily rather than lump sum will be indexed to inflation (twice yearly). Ideas

The “no worse off” protection means that those already in care on 30 October 2025 will retain their current arrangements unless they choose to opt-in to the new rules. (Simply Retirement, 2025)

Importantly for low-means residents: although the low-means category continues, there remains no requirement for providers to reserve a quota of low-means beds. Catalyst Foundation

So families planning ahead must recognise that the “cheap” entry via low-means doesn’t become easier under these reforms — indeed, for many, costs for non-low means residents will increase.

Final thoughts

Before encouraging a parent to give away assets (for example to reduce means and qualify as low-means), it is essential to pause and reflect:

Check availability: Is the desired home accepting low-means residents today? What is the waiting list?

Seek financial advice: Because the means testing, gifting rules, future care needs and the upcoming reforms are complex.

Consider flexibility: If the parent may need to move or wants a specific location/standard, a low means room might not meet the need.

Understand what happens after entry: Will the asset gift affect other support (e.g., pension, aged-care subsidies)?

Factor in the reforms: From 1 November 2025, the rules change — so a strategy effective today may not translate into future savings in the same way.

In short: the low-means path may look attractive, but it carries risks — especially if decisions are made without full knowledge of availability, waiting lists, future changes and the parent’s longterm care needs. A considered plan, with professional advice, is strongly recommended.

Warren Strybosch Find Retirement® & Find Aged Care® www.findretirement.com.au

Part of the Find Group of Companies

Financial Planning, SMSF, Super, Insurance, Pre-Retirement & Retirement Planning (Financial Planning) are offered via Find Wealth Pty Ltd ACN 140 585 075 t/a Find Wealth, Find Insurance and Find Retirement. Find Wealth Pty Ltd is a Corporate Authorised Representative (No 468091) of Alliance Wealth Pty Ltd ABN 93 161 647 007 (AFSL No. 449221). Part of the

Centrepoint Alliance group (www.centrepointalliance.com.au/fsg/aw).

Warren Strybosch

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

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.

Psst, I know of a way to pay for your Dentist Work.

RETIREMENT

By Warren Strybosch

You’ve probably seen the ads — those dramatic before-andafter photos showing someone with severely damaged teeth transformed into a dazzling smile. The pitch usually goes something like this: “Access your superannuation now to pay for your new smile!” It sounds tempting, especially when dental work can cost thousands. But here’s the catch — the Australian Taxation Office (ATO) and the Australian Health Practitioner Regulation Agency (Ahpra) have had enough of this kind of marketing and are taking serious action to stop it.

(Source: ABC Media release, October 2025 – “https://www.abc. net.au/news/2025-10-29/more-funding-for-dental-urged-assuper-withdrawals-soar/105939132 ")

Superannuation is designed to provide income in retirement, not to fund cosmetic or medical procedures. While there are legitimate circumstances where you can access super early on compassionate grounds, this is intended for genuine financial hardship or necessary medical treatment — not as an easy way to cover elective dental work.

Recently, the ATO and Ahpra announced a joint crackdown on what they describe as “business models and inappropriate practices” that promote early release of super to pay for dental or medical procedures that are either unnecessary or excessively priced. Their concern is that some health practitioners and agents are encouraging people to use their retirement savings to pay for expensive cosmetic treatments that do not meet the legal criteria for early release.

And it’s not a small problem. New ATO data shows that applications for compassionate release of super have surged — particularly for dental services, where requests have more than doubled over the past two years. This rapid increase has raised red flags about whether all of these applications are genuine or being influenced by misleading marketing campaigns.

(Source: ATO media release, September 2024 – “ATO and Ahpra working together to protect superannuation and health integrity”)

The ATO’s stance is clear: accessing super on compassionate grounds should be a last resort — only when all other options for payment have been exhausted. This means that if you can pay through a payment plan, a personal loan, or another financing option, those avenues should be explored before even considering dipping into your super.

For health practitioners, the warning is equally serious. The ATO has published guidance for dentists and other medical professionals who assist patients in applying for early release of super. This information covers what medical documentation is required, how to properly complete medical reports, and what “behaviours of concern” the regulators are watching for. Essentially, practitioners who help clients misuse the system could find themselves under regulatory scrutiny or even disciplinary action from Ahpra.

(Sources: ATO website – “Compassionate release of superannuation: Guidance for health practitioners,” 2024; Ahpra Statement – “Joint work with ATO on misuse of compassionate super release,” 2024)

Why is this such a big deal? Because once that super is gone, it’s gone for good — and the long-term impact on your retirement savings can be significant. A $10,000 withdrawal today might seem like a simple solution, but by the time you reach retirement, that same amount could have grown to $30,000 or more through compounding investment returns. In short, using super now for non-essential expenses can cost you your future comfort and security.

There are, of course, legitimate cases where dental work may fall under compassionate release — such as when the treatment is necessary to alleviate chronic pain, prevent deterioration of health, or restore basic function. But these situations are the exception, not the rule, and they require strong medical evidence to support the application.

So, if you’ve seen those ads promising a perfect smile funded by your super, think twice. The ATO and Ahpra are closing in on the businesses promoting these schemes, and individuals who misuse the system risk serious financial consequences. More importantly, your superannuation is meant to support you in retirement — not to pay for someone’s high dental invoice today.

The best approach? If you’re facing large dental or medical bills, talk to your financial adviser first. There may be safer and smarter ways to fund treatment without sacrificing your long-term financial wellbeing. After all, a great smile is wonderful — but peace of mind in retirement is even better.

You can read more about the ATO report here.

Note also: The ATO has released information for health practitioners assisting their patients to apply for early access to super on compassionate grounds. The information includes material on: providing medical documents; medical report requirements; behaviours of concern.

References:

1. Australian Taxation Office (2024), ATO and Ahpra working together to protect superannuation and health integrity – ato. gov.au

2. Australian Health Practitioner Regulation Agency (2024), Joint statement on misuse of compassionate super release –ahpra.gov.au

3. Australian Taxation Office (2024), Compassionate release of superannuation: Guidance for health practitioners –ato.gov.au/individuals/super

•

Special Tax Return Offer

$99 Returns - PAYG Only

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

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.

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We specialise in the following:

• Biz Pack Insurance

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We DO NOT provide advice or quotes for the following (you need to go direct and save):

• Car Insurance

• Home & Contents

• Caravan

• eBikes

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

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.

• Income Protection (IP)

• Life Insurances or Death Cover

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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.

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Best Kept Parenting Secret

INDEX

PROFESSIONAL SERVICES

• Lactation Consultant ----------- 35

• Swen Pouches ---------------------- 00

• Hair Dresser --------------------------- 00

• Chiropractor ------------------------- 00

• Beauty Therapy -------------------- 00

• Gym --------------------------------------- 00

• Massage Therapy ---------------- 00

DR JOANNA STRYBOSCH

OSTEOPATHY

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.

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

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

• Help increase or decrease milk supply ADVANCED PAEDIATRIC OSTEOPATH & LACTATION CONSULTANT PROVIDING PERSONAL & CARING SUPPORT FOR YOU & YOUR BABY

LACTATION CONSULTING

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

• 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

The WishList - Save up to 20% on selected Styling Tools

Save up to 20% on selected Styling Tools

Get holiday ready with Hairhouse’s The WishList!

Save 20% on selected Styling Tools from leading brands, including ghd, muk and much more.

Time to treat yourself and tick off that wish list! T&Cs and exclusions apply. Visit our website for details.

Take a joyful pic with Santa this November for the chance to win!

It’s time to get your little ones booked in for their annual photo with the man in red to create some magical memories. Plus, book your visit to Santa in November and you'll receive a FREE 6x8 photo and go in the running to WIN a $1,000 shopping spree*—talk about Christmas coming early! To make the process simple, enjoy online bookings and convenient prepay options. Bookings essential.

Discover more

Celebrate and Save

Celebrate the season and save up to 50% off selected styles. Shop early and find the perfect gifts for the whole family.

The season of celebration is here, and so are the savings. Shop early and make the most of our incredible deals with up to 50% off a huge range of jewellery, plus selected watch styles on sale. From sparkling rings, earrings, and necklaces to timeless watches, you’ll fi nd the perfect way to spoil yourself or your loved ones.

Glow from Within: Free Gua Sha valued at $39.95!*

Essential Beauty are excited to offer skincare lovers an exclusive treat! From 13th October to 13th November, when customers purchase the H2O+ Cleanser and H2O+ Face Scrub together, they’ll receive a FREE Gua Sha, valued at $39.95.

Santa Photography

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 or Email: editor@findmaroondah.com.au

Norwood Football Netball Club

Ringwood Bowls Club Inc.

One of the key features on the Ringwood Bowls Club Calendar of events involves Barefoot Bowls.

Held every Wednesday and Fridays from 6.00 pm and will continue until notifi ed by the Club.

The Club provides the bowls and basic bowls coaching. Lawn bowls is easy to learn and during your time at the club the bar is open and our BBQ’s are fi red up.

It’s a great night out for family and friends. Everyone is welcome to come along and have a game of barefoot bowls – it’s a great activity.

Enjoy the early evening summer sun, have a laugh and experience something new.

Bookings are not essential however, if you are planning to hold a birthday party, Xmas party, work event, or you’ve organised a group of friends to join you, please email our Venue Hire Manager on venuehire@ringwoodbowls.com.au, or fi ll out the adjacent booking form. This is the best way to get a speedy response!

The Ringwood Bowls Club welcomes new members and the following shows you how easy it is to obtain details on how to become a member.

Send an email to the Club requesting details: email clubsec@ ringwoodbowls.com.au

Contact the Club and ask for the Membership Director on 9870 6767 Fill out your details as requested in the form on this page

Simply upload your ad at www.findmaroondah.com.au/nfp-free-advertising or you can email the ad to the editor@findmaroondah.com.au and we will do the rest for you.