Find Maroondah - September 2025 by Find

MAROONDAH

By Joe Lam

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

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 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.

DISCLAIMER

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

Maroondah Festival 2025: A Day of Culture, Fun & Community

By Joe Lam

Every year, as November approaches, a unique energy fills the air in Melbourne’s eastern suburbs. It’s not solely the anticipation of warmer weather—it’s the onset of the Maroondah Festival, one of Victoria's largest community events. On Sunday, 9 November 2025, Town Park and Civic Square in Croydon will once again become a vibrant center for music, food, culture, and creativity. From 10 am to 4 pm, the festival will invite families, friends, and visitors to enjoy a day full of excitement, joy, and a strong sense of local pride.

A Festival with Heart and History

The Maroondah Festival isn’t just another event on the community calendar— it’s a tradition that’s been running since 1990. What started as a modest gathering to bring neighbors together has now grown into one of the largest council-run festivals in Victoria. Over the years, it’s drawn crowds of up to 30,000 people, proving that its mix of culture, entertainment, and inclusivity is something the community can’t get enough of.

For many locals, the festival is more than a day out—it’s a chance to reconnect with the neighborhood, discover new artists, support small businesses, and celebrate everything that makes Maroondah unique. It’s the kind of event that creates lasting memories for kids and adults alike.

What’s Happening in

2025?

If you’ve been before, you’ll know that no two Maroondah Festivals are ever quite the same. The lineup for 2025 promises to be one of the most vibrant yet, with something for absolutely everyone.

Live Performances

The main stage is always the beating heart of the festival, and this year, it’s set to showcase a diverse mix of talent. Expect everything from local school choirs and dance troupes to emerging indie bands and well-known headline acts that will have the crowd singing and dancing along. Think toe-tapping jazz, high-energy pop, soulful ballads, and maybe even a surprise DJ set to close out the afternoon.

Food Heaven

Let’s be honest—no festival is complete without incredible food. And Maroondah Festival always delivers. Foodies can look forward to an array of food trucks and cultural stalls serving up everything from classic Aussie barbecue and woodfired pizzas to dumplings, curries, churros, and vegan delights. The famous community cake stall, run by local volunteers, will be back as well—so get in early before the homemade slices sell out!

Market Stalls

Love a good browse? The festival marketplace is a treasure trove of local creations. Handmade jewelry, sustainable fashion, artisan candles, quirky homewares—you’ll find it all here. It’s also the perfect place to pick up some early Christmas gifts while supporting small businesses and makers.

Family Fun & Kids’ Activities

Families are truly spoiled at Maroondah Festival. Younger visitors can jump into craft workshops, storytelling sessions, face painting, and interactive games. The carnival rides always pull a crowd, while the petting zoo is guaranteed

to melt hearts. This year, there’s also a dedicated “Junior Stage” where kids can show off their talents, from singing to magic tricks.

Community & Culture

At its essence, the Maroondah Festival focuses on honoring diversity and the spirit of the community. Civic Square will once again serve as the venue for the Community Hub, where non-profit organizations, local clubs, and cultural groups will set up booths to showcase their initiatives. This offers an opportunity to learn, engage, and even sign up for volunteer work. Throughout the day, various workshops will be conducted, allowing attendees to explore activities ranging from drumming and dance to sustainable living practices. The Cultural Precinct will showcase performances by various cultural groups, providing a vibrant insight into the traditions and narratives that shape Maroondah's identity.

Why You Shouldn’t Miss It

The enchantment of the Maroondah Festival is found in its unique vibe. It’s the image of children clutching fairy floss, the melodies floating through the park, the aroma of grilled delicacies, and the cheerful sounds of families lounging on picnic blankets. It’s a gathering place for old pals to reconnect, new relationships to blossom, and everyone to feel part of a larger community. Whether you’re drawn in by live performances, delicious food, unique shopping, or simply the pleasure of a sunny day out, the Maroondah Festival has a knack for delighting visitors. It’s one of those occasions where you can stroll in without a set itinerary and depart with a satisfied stomach, a collection of goodies, and a grin that lingers well beyond the event.

Isn’t our foliage better left in the trees?

By Liz Sanzaro

A question that many have asked as the chainsaw gang arrive with the chipper to do mandatory Line Clearance, leaving

It is frustrating when a limb falls onto lines interrupting power to regrowth is more prone to do this that the original growth, because each pruning generates “recovery growth”.

When epicormic sprouts are removed, it triggers more of them to grow as the tree will need more photosynthetic tissue to compensate for the wounding, thus defeating the purpose of removing them in the first place.

A compromise solution is now on the table in New South Wales. Ausgrid, which controls large swathes of powerlines in Sydney, has proposed a $20 million jointly funded program to use aerial cable bundling.

City of Sydney councillor Jess Scully is backing the proposal, which would require councils to chip in between 30 to 50 per cent of the cost.

"Anyone who has seen a tree that they love on their street receive the giant bonsai treatment and get hacked to within an inch of its life has felt that pain," Cr Scully said.

Adopting aerial bundling will significantly reduce the space needed as the twisted cables with heavy duty covering are

2021 possums caused 441 power outages.

Recently CCS heard from Dr Greg Moore that he has been frustrated by Victoria hanging onto the code of practice that determines the unnecessary pruning. Below is a direct transcript from this link. https://makevictoriagreener.org.au/

The Victorian Government is seeking to overturn an overwhelmingly endorsed recommendation from its own expert review committee (ELCCC) comprised of industry and technical experts and globally recognised botanist and ecologist,Victorian, Dr Greg Moore OAM. The proposal, at no cost to taxpayers,aims to reduce the amount of tree trimming around power lines across urban and regional areas and around transmission lines.

However, this unanimously endorsed proposal is being opposed by Electricity Safe Victoria (ESV), under portfolio Minister Lily D’Ambrosio, Minister for Climate Action. Despite 6 months of interaction between the committee and the ESV, no explanation has been offered for the opposition.

Maroondah Council along with Boroondara and other treed municipalities are working through the Municipal Association of Victoria to achieve a much better outcome, since trees on private land are likely to be reduced due to increased density housing. This is the type of issue that CCS takes on, lobbying for a better future.

Contact your Councillor to discuss this topic if you are concerned at the loss of foliage in your street trees.

By the way, there has been no incidence of fire caused by branches contacting low voltage power lines, it only applies to high voltage lines according to Dr Moore a well informed member of the committee.

https://www.maroondah.vic.gov.au/About-Council/ Councillors-and-wards/Your-Councillors

Liz Sanzaro

By Reece Droscher

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

During the December 2024 quarter, mortgage brokers wrote 76% of all new home loans in Australia – the highest result on record.

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

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

Professional advice you can trust

Australians are in the midst of a cost-ofliving crisis and money is tight for many. When it comes to your home loan, you want to know that it’s competitive and has the features you need.

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

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

A streamlined refinancing process

Do you remember when you took out your existing home loan?

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

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

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

Tailored finance solutions

There’s no one-size-fits-all mortgage. Everyone’s financial situation and goals are different, which is why you need tailored finance solutions.

WHY USE A MORTGAGE BROKER TO REFINANCE?

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

A panel of lenders

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

We have access to a full panel of lenders, so we can compare the market and find a mortgage that’s suitable for you. Borrowers are spoilt for choice these days, and we will help you pick your home loan from the hundreds of options out there.

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

A holistic approach to your finances

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

Mortgage brokers, on the other hand, take a holistic approach to your finances. We’ll take into account your current financial situation and future financial aspirations, then line you up with finance to support those goals.

Common reasons to refinance

If you haven’t reassessed your mortgage recently, now is the time to do it. Refinancing could help you to:

• Secure a more competitive interest rate

• Benefit from interest-saving features like offset accounts or redraw facilities

• Access equity for renovations, additional properties or other financial goals

• Consolidate debt.

Like to explore your options? Interest rates may be on the move again in early 2025, so it makes sense to shop around now to see what lenders are offering. Contact Reece on 0478021757 for more information.

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

reece@shlfinance.com.au www.shlfinance.com.au

ATO Fraud on the rise but they don’t think they won’t catch you.

ACCOUNTANT

By Warren Strybosch

I have been working in the accounting and financial planning profession for nearly 25 years and it still amazes me that people think they can commit fraud or set up a scheme believing they will not get caught.

The Australian Taxation Office (ATO) continues to rely on sophisticated data matching tools to help safeguard the integrity of the tax system. Updated in June 2025, ATO data-matching programs draw on over 600 million third party transactions annually—from banks, employers, property records, online platforms, health funds, cryptocurrency providers, and more—to prefill tax returns, identify discrepancies, and spark compliance reviews or investigations, while also helping honest taxpayers lodge returns more easily Australian Taxation OfficeAustralian Taxation Office.

Detecting fraud and fraud recovery

A standout use of data-matching is in uncovering GST refund fraud. Under the ATO’s Operation Protego, individuals masquerading as fake businesses lodged bogus Business Activity Statements (BAS) to claim fraudulent GST refunds. The fraud was often promoted on social media and facilitated by easy ABN registration via myGov. As of mid2025 more than 57,000 alleged offenders had been flagged; the ATO recovered or blocked billions in refunds and secured dozens of prosecutions—with jail terms up to three years, convicted individuals ordered to repay funds, and heavy penalties imposed Australian Taxation OfficeAustralian Taxation OfficeAustralian Taxation OfficeCommonwealth Fraud Prevention Centre.

Taxpayer alerts and the new GST fraud warning

In July 2025 the ATO issued Taxpayer Alert TA 2025/2, targeting arrangements where related party companies collude to inflate or invent invoices and claim improper GST refunds. Though these schemes differ from social-media driven rorts, they still pose serious risk— especially in property, construction and closely held corporate groups.

Directors and advisers involved may face personal, promoter or criminal liability Australian Taxation OfficeAustralian Taxation OfficeAustralian Taxation Office.

Monday night’s Four Corners GST fraud exposé

A recent Four Corners episode (aired Monday night) revisited the Plutus Payroll tax fraud—the largest such scheme in Australian history—where an operator diverted GST and PAYG funds held on behalf of clients, depositing only part of them to the ATO. The program detailed how intercepted communications and documents exposed a sophisticated network of dummy directors and shell entities, raising fresh scrutiny on ATO enforcement and regulatory oversight Australian Payroll AssociationABC.

This ATO approach—blending largescale data matching, targeted alerts and robust enforcement—reflects a sharpened strategy to deter GST abuse and uphold trust in the system.

When it comes to money, the best approach is the black and white approach. If you feel you are unsure about a situation or that it might seem a bit of a grey area or if it sounds too good to be true…then stay well, clear of it. Only deal with those situations where you know it is all in the ‘white’ so to speak.

If you are still not sure, then please pick up the phone and ring your accountant or financial planner as well as a couple of other people before making any large money commitments. A couple of phone calls could save you thousands.

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. Itdoesnottakeintoaccountyourparticular 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.

Downsizing Your Home? What You Need to Know About the Superannuation Opportunity

Planner

By Erryn Langley

As they age, many Australians begin reassessing their retirement lifestyle. One option that often comes up is downsizing the family home in order to reduce costs, freeing up equity and simplifying life. Beyond lifestyle benefits, there’s a valuable financial planning strategy that could help strengthen your retirement income: downsizer contributions to super.

What is a Downsizer Contribution?

If you're aged 55 or over, you may be eligible to contribute up to $300,000 per person (or $600,000 per couple) into your superannuation from the proceeds of selling your home. This contribution doesn’t count toward your standard contribution caps and doesn’t require you to meet the work test.

Key Eligibility Criteria:

• You must be 55 years or older at the time of making the contribution.

• The property must have been owned by you or your spouse for at least 10 years, and it must be your main residence.

• You only have 90 days from the date of settlement to make your downsizer contribution into super. Missing this deadline may mean you lose the opportunity entirely.

• You must submit the ATO downsizer contribution form before or when the contribution is made.

Why Consider It?

• Boost Retirement Savings: It’s a one-off opportunity to significantly grow your super balance, especially if you’ve reached other contribution limits.

• Tax-Effective Income: Once contributed, the funds can be used to start a tax-free income stream via an accountbased pension.

Things to Watch Out For:

• Downsizer contributions do count towards the transfer balance cap (currently $1.9 million).

• Selling your home may affect your Age Pension entitlements due to the asset and income tests.

• You cannot use this rule multiple times, it’s a once-perlifetime strategy.

• Don’t miss the 90 day window.

Final Thoughts

As you can see timing and making sure that you meet the requirements is critical, if you are considering downsizing, before you do so is a great time to speak with a Financial Adviser. Feel free to give us a call on 1300 557 144 to make an appointment to discuss how the use of a downsizer contribution could assist your overall retirement strategy.

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.

Financial

By Jodie Moore

When it comes to managing finances, one of the most important decisions a small or medium-sized business (SME) in Australia must make is whether to use cash accounting or accrual accounting. Each method has its advantages and is better suited to different types of businesses. Understanding the pros and cons of each can help you make an informed decision and ensure compliance with Australian Taxation Office (ATO) requirements.

BOOKKEEPING

Understanding the Basics

Cash accounting records income and expenses only when money changes hands. For example, you record a sale when the customer pays, not when the invoice is issued. Similarly, expenses are recorded only when you actually pay a bill.

Accrual accounting, on the other hand, records income and expenses when they are earned or incurred, regardless of when the money is actually received or paid. So, if you invoice a client in June but they don’t pay until July, the income is still recorded in June.

Why This Decision Matters

The method you choose impacts more than just bookkeeping. It affects how you manage cash flow, report income, pay taxes, and make business decisions. The ATO allows most small businesses with a turnover of less than $10 million to choose between cash and accrual

accounting, giving you some flexibility to pick the best fit.

Pros and Cons of Cash Accounting

Advantages:

• Simplicity: It’s straightforward and easier to manage, especially for sole traders or micro businesses.

• Better cash flow tracking: Since transactions are recorded only when money is received or paid, you have a clearer picture of your actual cash on hand.

• Tax timing benefits: You may defer paying tax on income until it's actually received, which can be helpful for cash flow.

Disadvantages:

• Limited financial insight: It doesn't show money you’re owed or owe to others, which can make it hard to plan ahead.

CASH VS. ACCRUAL ACCOUNTING: WHICH IS RIGHT FOR YOUR BUSINESS?

• Not ideal for growing businesses: As your operations become more complex, this method may not provide sufficient financial visibility.

Pros and Cons of Accrual Accounting

Advantages:

• More accurate financial picture: It reflects earned income and incurred expenses, even if cash hasn't changed hands.

• Better for long-term planning: It shows outstanding invoices and bills, which helps in forecasting and managing obligations.

• Required for some businesses: Larger businesses or those that carry inventory may be required by the ATO to use accrual accounting.

Disadvantages:

• More complex: You may need a professional accountant or accounting software to manage it properly.

• Cash flow disconnect: Because income is recorded when earned, not received, you may appear profitable even if you’re low on cash.

Which Method Is Best for Your Business?

Here are a few guiding questions to help you decide:

• Do you operate on a small scale with straightforward transactions? If so, cash accounting may be the simpler and more manageable option.

• Do you offer credit terms to customers or deal with inventory? Accrual accounting is better suited to businesses with delayed payments and stock management.

• Do you need a more accurate financial picture for investors, banks, or strategic planning? Accrual accounting provides a more complete view of your business performance.

• Are you close to the $10 million turnover threshold? You may need to switch to accrual accounting as your business grows, so it’s worth planning ahead.

Compliance Considerations

The ATO permits small businesses to choose their accounting method, but once you select a method, consistency is key. You must apply it across your financial year and for GST reporting if you’re registered.

For GST purposes:

• Cash accounting allows you to pay GST only when you receive payment.

• Accrual accounting requires you to pay GST when you issue the invoice.

The choice can affect your GST liability, especially if customers pay late or early.

Final Thoughts

Choosing between cash and accrual accounting isn’t just about compliance — it’s a strategic decision that can impact your business’s cash flow, tax obligations, and growth potential. If you're unsure which method suits your SME, it's wise to consult a qualified accountant who understands both your industry and ATO requirements.

Whether you’re a start-up sole trader or a growing enterprise, understanding these accounting methods helps you take control of your finances and make more informed decisions.

Melbourne Royal Show

25 Sept. - 05 Oct. 2025

1.More Than a Fun Day Out – It’s Memories in the Making. Let it Show!

For 11 unforgettable days from Thursday, 25 September to Sunday, 5 October, the Melbourne Showgrounds transformed into a playground of joy, discovery and shared experience, with hundreds of free things to see, do and discover with family and friends.

Nowhere else can you lock eyes with a 1000kg bull, take a flavour-packed journey through gourmet offerings and Show favourites, soak up the energy of the carnival, browse over 400 varieties of showbags with everything from sweet treats to pop culture collectibles, and end your day with fireworks choreographed to music in the night sky.

Each day at the Melbourne Royal Show, thousands of animals and hundreds of competitors bring the action to life across livestock, horses, dogs, alpacas, poultry and more, while hands-on farming experiences like cow milking, sheep shearing and the Sunrise Animal Nursery create unforgettable memories for all ages.

2.LEGO® Playland - Farm to City

A.LEGO® DUPLO® Farm: Only at the Show

Introduce your little ones to the world of the LEGO® DUPLO® Farm - a bright, hands-on play space made just for toddlers and preschoolers. Kids get creative with bright blocks, soft play and simple games that spark their imagination and learning, all in a fun, safe space with room for parents to relax.

B. Rebuild the World with LEGO®

Don't miss our communal, progressive build, where families can come together to contribute to a growing LEGO® masterpiece, one brick at a time! Whether guided by friendly supervisors with fun build prompts or left to explore their own ideas, builders of all ages can contribute to these evolving structures.

C. Test Your Skills in the LEGO® CITY Challenge Zone LEGO® CITY Challenge Zone invites kids and families to take part in fun, focused build challenges designed to spark creativity and test skills.

Try timed mini builds, blindfold builds, and speed or accuracy competitions - all in a space made for exploring, creating, and playing.

Is vitamin B6 safe?

NATUROPATHY

By Kathryn Messenger

You may have heard of vitamin B6 being in the spotlight lately, as an overdose can cause peripheral neuropathy. The symptoms of this include numbness and pain in the limbs and healing can be slow. An overdose usually occurs when someone is taking multiple supplements, or food products that have added B6.

But the answer is not as simple as limiting B6, let me explain:

There are different forms of B6, just like there are different types of dwellings: caravans, bungalows and houses. Imagine you live in a caravan and a storm causes it to roll down the road and hit a tree, causing the rain water to come pouring through the roof. There, in the middle of the night, in rain and wind, your neighbour offers shelter in their house.

It would be crazy to decide as a result of this that all types of dwellings are unsafe.

The main forms of Vitamin B6 are Pyridoxine, Pyridoxamine, and Pyridoxal5-Phosphate (P5P). Pyridoxine has been shown to cause peripheral neuropathy, whilst P5P is actually protective against it.

The problem with the B6 supplementation arises due to very little distinction between these different forms by the governing body in Australia (aka we don’t distinguish between the different types of dwellings, as they have been shown to be unsafe). This is seen in the labelling requirements on a B6 supplement, where B6 must be listed as the equivalent dose of Pyridoxine, even if it doesn’t contain that form of B6.

A recent European study has found that even a low dose of Pyridoxine can cause nervous system issues in some people, however, Pyridoxamine, and P5P have been studied to find that they can heal the nervous system.

So, firstly aim to get your B vitamins from meat (red, white and fish), and if you do choose to supplement, make sure you check the form of B6, and always choose Pyridoxamine, or P5P. If you would like a safe B vitamin supplement, Whole Naturopathy can help with that, or if you’re suffering peripheral neuropathy as a result of a Pyridoxine overdose, I have successfully treated that, and would be happy to help you heal.

Eastern Sirens

We had our Annual General Meeting on Saturday, July 26 at Nick McGowan MP’s office and are happy to announce the newly elected members of the Committee:

President: Leah

Vice President: Corina

Secretary: Catherine

Treasurer: Irene

Uniform/Equipment/Merchandise Officer: Johnny

Social Media Officer:

Victoria Newsletter Officer: Renata

General Member: Ning

Youth athlete, Addy, attended the Youth National Team training camp held at the Australian Institute of Sport during July. Addy is preparing to attend the Youth World Championships in Greece. If you are a swimmer interested in high performance, please speak to our coaches so we can make a plan tov reach these goals.

Key Dates:

Meet Andrea - one of our newest swimmers who combined her love of calisthenics and swimming in artistic swimming.

Flexibility training and lap swimming were easy to break into, but the challenges were there with breathwork and sculling technique. Andrea has been steadily progressing each week in class and soon enough will be swimming in the higher levels.

We are looking forward to seeing where Andrea's synchro journey takes her with her hardworking and focused mindset allowing her to work through every new skill with precision!

The Arts Lounge Exhibition - Wi Sook Kim and Tanya Loh

During July through to September, Wyreena’s Arts Lounge will feature two new exhibitions from Wi Sook Kim and Tanya Loh.

Kim’s abstract paintings fi nd harmony in diversity, refl ecting the artist’s migrant experience embracing and joining two cultures when she migrated from South Korea at the age of 65. Loh’s works feature bold, contrasting colours and explore the depth of human relations and experiences, often hiding within superfi cially charming scenes.

About the artists

Wi Sook Kim

Harmony from diversity

Kim’s journey as an elderly migrant, who left her home country later in life at the age of 65, has deeply infl uenced her artistic exploration of 'harmony from diversity.' Through her artworks, she seeks to express the profound belief that embracing diversity and differences can bring a vibrant, warm, and dynamic energy to our lives, rather than leaving them monotonous and static.

Reusable Nappies 101 Webinar

Join Elana from Cloth Nappy Workshops Melbourne from the comfort of your home to discover the world of modern cloth nappies.

Elana will take you through everything you need to know to get started with reusable nappies. Learn how to wash them, where to buy them and what to look for.

They'll cover washing tips, dispel myths, show the different styles of modern cloth and most importantly an opportunity to ask questions to get you confi dent with cloth. Maroondah residents may receive a free nappy pack on completion of a survey.

Event details

• Date: Tuesday 12 August 2025

• Time: 7:30pm to 9:00pm

• Venue: Online Webinar

• Cost: Free

• Bookings are essential

Maroondah Council News SEPTEMBER 2025

Delivering for our community

Maroondah City Council has again received strong results in this year’s Local Government Community Satisfaction Survey.

The 2025 survey results indicate that Council continues to excel in core performance areas compared to the average ratings across Victoria. These areas include: You'll learn how to:

• Overall performance

• Value for money

• Community consultation

• Waste management

• Customer service

• Overall Council direction

• Making decisions in the interest of the community

• Sealed local roads

A total of 56 out of 79 Councils took part in the survey, which was conducted quarterly between June 2024 and March 2025 by an independent market research fi rm on behalf of the Victorian Government.

Survey respondents were asked to provide feedback on Council’s performance over the past 12 months.

Maroondah City Council’s overall performance was rated 12 points higher than the state-wide average for Councils, and scored higher than the average rating for

Councils in metropolitan Melbourne. Maroondah also rated 11 points higher (58) in ‘value for money’, when compared with the state-wide average (47).

Scraps to Self-Care: Creating Sustainable Products from Food Waste

Join Maroondah’s Waste Education Team for an interactive and eco-friendly workshop where we will explore the art of repurposing kitchen scraps and waste to make your own cleaning and beauty products. From citrus peels to coffee grounds, we'll show you how to harness the power of these kitchen scraps to make effective cleaning solutions and beauty products. You'll leave with a newfound knowledge of sustainable living and a personalized bath salt product that you can enjoy in your own relaxing bath.

Don't miss this opportunity to reduce waste, save money, and indulge in self-care, all while making a positive impact on the planet. Join us for an inspiring and practical workshop that will empower you to repurpose kitchen scraps and transform them into beautiful, eco-friendly products.

Event details

• Date: Tuesday 21 August 2025

• Time: 2:00pm to 3:00pm

• Venue: Realm Library, Ringwood

• Cost: Free

• Bookings are essential

VICTORIAN FOLK MUSIC

About The Victorian Folk Music Club

The Victorian Folk Music Club (VFMC) is believed to be Victoria’s longest running folk music club. It started in 1959 in Melbourne and has been based principally in Ringwood East since the late 1980’s. It is registered as a not-for-profit incorporated organisation.

The roots of the Club lie in the formation of the original Bushwackers' Band in Melbourne in 1955, which appeared with great success in the second production of the play ‘Reedy River’. After a change of name to the Billabong Band, the Band built up an audience of fans around Melbourne and began to hold regular monthly Singabouts to cater for them. Band members along with some of their most enthusiastic followers launched the Victorian Bush Music Club June, 1959.

In 1963, the name was changed to the Victorian Folk Music Club to emphasise that the Club's interests included urban and contemporary songs. The Club had the aim of reviving Australian folk songs and restoring them to their former popularity, and undertook to assist in, and to encourage, the composing of new songs, contemporary in subject and traditional in style. The Club’s aims now are:

• to preserve, research and popularise

Over the ensuing years, the Club has been based at various locations in and around Melbourne. Activities have been held principally in Maroondah / Ringwood East area since the late 1980s. Regular Club functions include a monthly Concert and a monthly Family Bush Dance, traditional ‘ Woolshed Balls’ held twice a year, and weekly Tuesday evening Sessions for singing and playing in a ‘round robin’ style. Sessions, Dances and Concerts are open to all, and people may participate as they feel inclined or just observe if they prefer.

Newcomers are welcome and encouragement is given to novices, so Dances tend to be called by experienced callers. Sessions are convened and often involve constructive coaxing on instruments. And members may take part in spot acts on the Concert nights. Folk instruments of any kind are encouraged, such as guitars, mandolins, accordions, ukes, fiddles, concertinas, squeeze boxes, etc. The repertoire promotes the traditional Australian music and dance heritage but all kinds of music in the folk style are welcome.

The Club actively participates in Community activities such as Maroondah Festival, the annual Melbourne Highland Games

Week 1 Bush Dance the each month, all welcome

Week 1 Round Robin singing, reciting, yarns, etc.

Week 2 Concert Night acts from the folk plus spot acts

Week 3 Round Robin singing, reciting, yarns, etc.

Week 4 ‘All-In’ Session set tunes, dance singing

Week 5 Theme Nights workshops, Spots’ or open

Admission is $6 for members, members, (except Bush Concerts). Cash or card accompanied children are

For the Week 2 Concerts performers from the folk floor spots are featured, 7:45pm and running to 10pm for supper. Admission is $11 $13 for concessions, $15 for card at the door or tickets online from Humanitix. children have no charge.

Saturday of the month 7.30pm to 10.00pm at the different band is featured dances are called. Admission members to $12 for general,

The VFMC has an extensive for information on forthcoming CONCERTS . All information found at www.vfmc.org.au vast collection of traditional tunes, songs and resources.

MUSIC CLUB INC.

Club

the first Saturday all ages are singing, playing, solos or group

top line Main folk music scene, singing, playing, solos or group

group playing of dance sets, group workshops, ‘Hot stage nights

members, $7 for nonBush Dances and at the door and are free.

Concerts top acoustic music world plus featured, commencing at 10pm with a break $11 for members to for general. Cash or can be purchased Humanitix. Accompanied

is held on the 1st (except January), the same venue. A each month, and Admission is $10 for general, no charge for

extensive website forthcoming weekly CONCERTS information can be www.vfmc.org.au It also has a traditional Australian resources.

for the month of September 2025

Learn, Connect &Thrive in Retirement

Whether you are preparing to retire, newly retired or looking to re-energise your lifestyle, U3A Ringwood offers a friendly, inclusive environment to explore new interests, stay active, and meet like-minded people.

We are a community of lifelong learners offering a wide range of classes, activities and social events for curious minds aged 55 and over.

DISCOVER SOMETHING NEW

At U3A Ringwood learning never stops. Choose from our courses and presentations across areas like:

• Arts and Crafts - Art Appreciation, Card Making, Quilting etc

• Languages - French and Italian

• Literature - Creative Writing, Poetry

• Technology Help - any device, any operating system

• Fitness and Well-being - Tai Chi, Yoga, Exercise toe Music, Shi Ba Shi, Garden Group, Bike Group etc

• Games - Mahjong, Scrabble, Book Club, Rummikub

• Life Skills - History, Family History, Current Affairs, Elders and the Law, Armchair Travel, Chess, Share Market, Coffee Club, Film Appreciation and Music Appreciation No tests, no pressure - just the joy of learning together.

Why join Ringwood U3A?

• Stay Active and Engaged

• Keep your mind and body active in Retirement

• Make new friends Family

• Meet people who share your passions and hobbies Ringwood U3A offer informal classes led by passionate and knowledgeable tutors.

A low annual membership fee for access to all classes We are a non-profit, volunteer run organisation and whether you are interested in becoming a class member or leading a class there is a place for you. Contact us by email info@u3aringwood.org.au or our website u3aringwood. org.au

WHAT IS A RAD?

AGED CARE

By Warren Strybosch

In aged care, both RAD and DAP are ways of paying for accommodation, but they differ in how the cost is structured:

RAD – Refundable Accommodation Deposit

• A RAD is a lump sum payment made to an aged care provider when someone enters residential aged care.

• It is fully refundable when the resident leaves or passes away, minus any agreed-upon deductions.

• Think of it like an interest-free loan to the aged care home, which helps them fund infrastructure and services.

DAP – Daily Accommodation Payment

• A DAP is a daily fee calculated from the RAD amount using a government-set interest rate called the Maximum Permissible Interest Rate (MPIR).

• Instead of paying the RAD upfront, the resident can pay the equivalent cost over time as a non-refundable daily charge.

• This suits residents who prefer to keep their assets invested or don’t have access to large cash reserves.

Combination Option

• Residents can also choose a part RAD, part DAP arrangement.

Significant changes to RADs are set to commence on 1 November 2025 under the new Aged Care Act. From this date, aged care providers will be permitted to retain 2% per annum of the RAD as a daily rate, capped at five years, totaling a maximum of 10% retention . Additionally, the maximum accommodation price that providers can charge without prior approval has increased from $550,000 to $750,000, effective from 1 January 2025, with annual indexation to follow .

These reforms aim to enhance the sustainability and fairness of the aged care system, ensuring that providers can continue to offer quality care while maintaining financial viability.

Warren Strybosch Award winning Financial Adviser and Accountant

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

Warren Strybosch

Authorised Representative (No. 468091) of Alliance Wealth Pty Ltd. Centrepoint Alliance group (www.centrepointalliance.com.au/fsg/aw).

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.

How much do I need and where does the money go?

RETIREMENT

By Warren Strybosch

The average amount retirees spend in retirement in Australia depends on their lifestyle and whether they are single or part of a couple. The Association of Superannuation Funds of Australia (ASFA) provides a widely used benchmark:

As of 2024, ASFA estimates:

Comfortable Retirement (per year):

• Single: Around $51,000

• Couple: Around $72,000

Modest Retirement (per year):

• Single: Around $34,000

• Couple: Around $49,000

These figures assume retirees own their home outright and are relatively healthy. A comfortable lifestyle includes things like private health insurance, regular leisure activities, some travel, and eating out. A modest lifestyle covers basic living costs but with less room for discretionary spending.

Total Spending Over Retirement

Assuming a 25-year retirement:

• Comfortable couple: ~$1.8 million

• Modest single: ~$850,000

Of course, individual spending varies based on health, housing, and personal choices.

Retirees in Australia spend most of their money on the essentials, with some variation depending on their lifestyle and health needs. According to ABS data and ASFA research, the main spending categories for retirees are:

1. Housing and Utilities

• Even if the home is owned outright, costs like council rates, home maintenance, and utilities (electricity, gas, water) are significant.

• Renters face higher ongoing housing costs.

2. Food and Groceries

• This remains a consistent expense, though many retirees adjust spending by cooking at home more often.

3. Health Care

• Includes private health insurance, out-of-pocket medical costs, pharmaceuticals, and dental care.

• Health costs tend to increase with age.

4. Transport

• Includes car expenses, fuel, registration, and public transport

• Those in regional areas often rely more heavily on private vehicles.

5. Leisure and Travel

• Many retirees allocate funds for domestic or international travel, hobbies, and dining out, especially early in retirement.

6. Insurance

• Health, home, car, and in some cases life insurance are ongoing costs.

Spending patterns typically decrease as retirees age, particularly after 75, when travel and discretionary spending reduce and health costs often rise.

At Find Retirement, we help clients to answer the important question as to how much money they need in retirement and whether or not they will be able to afford all of their future gaols.

Ifyouareabouttoretire,considerspeakingtooneofAustralia’s top retirement specialists about your retirement needs.

Warren Strybosch Award winning Financial Adviser and Accountant

Part of the Find Group of Companies

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-todate information. No warranty is given in respect of the information provided and accordingly neither Alliance Wealth nor its related entities, employees or representatives accepts responsibility for any loss suffered by any person arising from reliance on this information.

•

Special Tax Return Offer

$99 Returns - PAYG Only

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.

1300 88 38 30

We specialise in the following:

• Biz Pack Insurance

• Landlord Insurance

• Public Liability Insurance

• Professional Indemnity Insurance.

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

• Car Insurance

• Home & Contents

• Caravan

• eBikes

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

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

• Total and Permanent Disability (TPD) Personal Insurances Include:

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

warren@findinsurance.com.au

www.findinsurance.com.au

Best Kept Parenting Secret

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

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

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

• Help increase or decrease milk supply

20% off Express Customised Facial & Massage

feel renewed at endota Eastland in 60mins for $180*

Restore balance and de-stress with an express relax massage and facial customised to your needs.

Use the code H-EXPR at checkout under the local spa offers tab when booking online.

Grab a Shake'n'Dog combo and claim a free 'Ace' sticker sheet!

The original and still the best - our iconic Shake’n’Dog combo is serving up major throwback feels… and now comes with a bonus treat!

Snag your FREE Ace Sticker Sheet when you grab a Regular Shake’n’Dog Deal - but be quick, this gift is only available until it’s DOGGONE! Discover more

The Coffee Club's winter menu has arrived, and you need to visit ASAP!

It's that time of year - when the evenings get colder and the mornings are brisk.

But never fear! The Coffee Club's new winter menu has launched nationally, and now is the time to visit.

Win a Family Trip to Paris with Sharetea

Buy 2 Sharetea x Smurfs Drinks to enter the draw!

Sharetea

Get ready for a Smurfs adventure! Sharetea is thrilled to announce our exciting collaboration with the Smurfs Movie! Indulge in our two delicious drinks, both served in exclusive, limited edition Smurfs themed cups and seals.

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

Round 12 Teams

The women have a bye tomorrow so it will just be the men in action tomorrow. We'll be hosting our friends from up the road in Ringwood.

Senior changes:

Ins: J. Alleva, J. Holmes, J. Henry

Outs: O. Keleman, B. Linkin and K. West

Congratulations to Josh Holmes on making his debut. Should be a great day - get down and support Brett, Westy, Chris and the boys. #GoWoods

Congrats to premiership captain John Holmes on becoming a firefighter today. We can all feel a little safer now.

This week we take a look at Riley 'Rizz' McNicol's game against Mooroolbark. Rizz was fantastic across half back in one of his best games for the club. Finishing with 26 touches, 10 marks including 5 intercept and 142 fantasy points.

Fraser also had a great game with 26 disposals, 12 contested, 7 tackles, 11 inside 50s and 132 FP. Mitch had 22 with five tackles. Jacko Winter had 8 marks and four tackles.

Player Spotlight - Riley McNicol

We thank everyone who participated in our AGM last night and welcome on board the committee for 2025/26!

We thank all committee members from the previous season for their service to the Eastfield Cricket Club.

We look forward to a big season for Eastfield in 2025/26 and hope to see you all there again!

What's better than celebrating your Birthday? Celebrating it re committing to the Eastfield Cricket Club!

With great excitement we announce the resigning of Josh Holmes for the upcoming season. After cementing his place as the 1st XI opening bowler Josh continued his form in 2024/25 leading the bowling attack all season.

Josh also showed he is more than capable with the bat high scoring with 96 last season.

We cannot wait to see Josh continue to grow and develop at the nest!

Ringwood Bowls Club Inc.

Pre season training is almost upon us returning later this month.

A necessity to hit the ground running this season and give ourselves the best chance for success. Also a great opportunity for new players to come and have a look at cricket with new teams starting this year in seniors and women’s.

Get on down, bring your friends, bring your partners and let’s get the season started off right.

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.

Senior

NextGen

Worship

Transform

Community

Children's