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The Hardening Insurance Market GENERAL INSURANCE

Craig Anderson Part of my role as a General Insurance broker, is to understand what’s currently happening in the insurance market and explain future trends to my clients. At the moment, we’re trending towards the part of the insurance market cycle know as a “Hardening Market”. Coming off the back of increased losses (and falling profits), the major insurers are looking to

improve their loss ratio by increasing premiums where justified, and by declining to insure occupations and property which have performed poorly for them. Thanks to the advent of sophisticated data collection, and modelling undertaken by these insurers, they are able to isolate areas of high and low risk geographically with greater precision now. This should mean that you are paying a much more representative price according to your actual risk exposure, and not

just paying the average. The good news is that if you fall into a sought after and well performing category, there will be little increase to your premium, because the insurer will want to hang on to your business. The bad news is that if you’ve been hit with an increase, the chances are that most of the insurers will have had a similar increase. However this doesn’t mean that you’re stuck where you are, as some steps can be taken to decrease your risk factors, and your premium in many cases. This will differ if you have recently claimed on your insurance policy, as your existing insurer may want to earn back the losses, and will hold down the percentage increase, making it more attractive to stay, and less attractive to a competing insurer. If you live or trade in a “poorly performing postcode” for theft and currently have no monitored alarm system, external lighting, CCTV or even window locks, chances are you’re paying a higher premium

than necessary. Taking steps that reduce risk exposure will certainly improve your prospects of lessening the increase, or potentially lowering your current premium. Risk management strategies put into action in the workplace are viewed favourably by insurers, and should be a matter of priority anyway, so it’s win-win in many cases. Lastly, under these market conditions there will be offers that appear “too good to be true”, which will tempt consumers to switch products. Avoid getting caught with an inferior policy by reading and understanding the fine print in the PDS. Not all policies are made equal, so talk to a broker who can give you the right advice and minimise your exposure. Craig is married to Jacki and they have two lovely daughters. Craig loves his lawn bowls and helping business owners to connect.

Business Owners Are You On The Right Path? this by

BUSINESS COACH Steven Rouget There are a number of factors to take into consideration when prepping yourself and your company to approach the largest clients you’ll ever work with. Today we’re going to start with a brief look at the three paths every business faces and show you which one is the path to success. Then we’ll talk about the mindset it takes to attract the big fish. There are three major paths a business can take: • Snail Speed • Shooting Star • Catch the Big Fish

you may find it harder than you think. Think of all the benefits of aiming at bigger clients: • Inexpensive • Highly Profitable • Longevity • Security

Shooting Star This describes a business that shoots to the top so fast you are overwhelmed and don’t have the right resources in place to adapt. This can also happen from being overwhelmed by small clients and not taking the time to find large clients, which will sustain your business after the small client sales slow.

Snail Speed Most business owners ended up working themselves into the ground without much reward or success. This is what happens when you fool yourself into thinking you will find quick success. You may also find Catch the Big Fish yourself following this path when you This is the path that allows you are afraid of change. to build at a steady pace that you can manage by not allowing your customers to outpace you. You can do

putting these tips to work: 1. Attract, keep and lock in big clients. 2. Integrate “big business” culture into your company and employees. 3. Acquire the expertise you need to grow. 4. Have the courage to make changes as you grow. Now we are going to transition a bit and talk about the “big fish” mindset. It may sound easy to just find and catch that big fish, but if you are stuck in the small business mindset,

In order to catch the big fish, you need to believe your company can make a difference with theirs. It’s easy to get into the thought that a large company doesn’t need anything from a small business like yours, but this is entirely wrong! Once you take a look at how big companies operate, it’s important to know which ones are the best fit with your company. One of the best ways to get in the door is by knowing someone on the inside who can put in a good word for you. If you’re not sure where to start and feel a little intimidated about catching big fish, try our FREE test drive to get help from our amazing business coaches.

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BOOKKEEPING Sheila De Burgh During my (too many to mention) years as a bookkeeper, one of the most frustrating problems we face, is trying to do the best for our clients, when our clients won’t provide the records required to help them for whatever reason and there are probably plenty of reasons. However the ATO requires that we get this information and in the long run when the information is provided initially, it can save a lot of money. Without documentation, we have trouble accurately coding purchases and accurately recording GST and this leads to reports that cannot be relied upon to make sound business decisions or worse just imagine the cost when the ATO inevitably wants to audit your records. With that in mind, I have looked up some very useful information that can be found on the ATO website…. Managing your small business records Good records help you make sound business decisions, monitor your business health, analyse your cash flow and demonstrate your financial position to lenders, businesses, accountants and prospective buyers. Under tax law, your records

Record Keeping

must explain all transactions and be: • in writing, either on paper or electronically • in English, or in a form that we can readily access and convert into English • kept for five years (although some records need to be kept longer). If proper records are not kept, we may impose penalties. You can choose to look after your record keeping or engage a bookkeeper or registered agent to do all or part of this work. Keeping business records Record keeping is an essential part of running your business. It makes good business sense too. Keeping good records helps you: • know how your business is going • keep track of your income and expenses • show banks or lenders how your business is going • make the best use of your registered tax or BAS agent. Records you need to keep include: • receipts and other evidence of all sales and purchases you made for your business • tax invoices, wage and salary records • all documents about GST

• records of the purchase, sale and other costs of any business assets, such as land, buildings or office equipment • all records relating to tax returns, activity statements, fringe benefits tax (FBT) returns, and contributions to employee super. You must keep your business records for at least five years. Our online reporting tools can make record keeping easier. Electronic and manual record keeping systems You can keep invoicing, payment and other business transaction records electronically or manually. The principles are the same for each but keeping your records electronically will make some important tasks easier. If you intend to use a bookkeeper or accountant, get their advice about the best system for you – choose a system you can understand and operate easily. A range of commercial software is available. You should consider systems that enable you to report electronically to us. Our record keeping evaluation tool can help you to understand what records you will need to keep as well as see how well your business keeps

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record. Cash Flow Coaching Kit With all of the above in mind the ATO are currently testing a Cash Flow Coaching Kit which may be useful to some small businesses. If you think this could be of interest to you, ask your Bookkeeper or Accountant if they can find out more and when it might be available.

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Insight into the 2019 Property Market FINANCE

Emma Raillard This is THE time of the year when, after spending some terrific valuable time with family and/ or friends for the festive season, we all come back to work fully regenerated with a head full of projects and good resolutions. 2019 will be a great year, offering us plenty

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of blank pages to write delectable chapters in our lives. If ‘Improving my Wealth or Revenue’ has been on your list of things to achieve this year and you consider growing your property portfolio soon this article would give you an insight of the Queensland Property Market. Here is some good news for the Queenslanders or Queenslanders to come. 2018 hadn’t been a great year for other states where property values

recorded the biggest annual decline in 35 years. According to CoreLogic, Home values in Melbourne fell 5.8% and Sydney met a high 8.1% which is a critical situation for all house and unit owners there. The good news is that, in the ‘Queensland capital’ Brisbane, the Home Values rose a steady 0.3% over the year. Brisbane’s housing market has been one of the most consistent performers of all capital cities and it can be proud to say that the state’s housing market in 2019 is forecasted to be sunny. According to the experts, Gold Coast, Sunshine Coast, Ipswich and Brisbane’s East will be the suburbs to watch as they will benefit from both Sydney and Melbourne Downsizers in search of affordability and lifestyle, and a strong interstate migration. With more than 130 major projects on the cards, Queensland is the place to match employment opportunities, affordability and liveability in one location. Brisbane median house price ($675,000 currently) is expected to jump by

50% in the next three years. I can refer you to exceptional property experts to get the most of your projects and we endeavour to always work in your best interest to find you the right loan solutions tailored to your specific needs and requirements.

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New Year – New Images PHOTOGRAPHY Jonathan Newton Each New Year brings with it a variety of plans, goals and developments. Businesses aim to increase their turnover and grow, be that a small start-up or a well-established company. Naturally attention must turn towards marketing, branding and the company

image. Every few years we update many things: Phones, cars, computers, clothes, our homes, etc. We see it as necessary and something that must be done. Often we set mental reminders for ourselves, combined with moments of impulsiveness. Our modern society has become one where we replace items all the time, however some things do get forgotten. So

let me ask you this; When was the last time you updated your business images? So often we see people and businesses use the same photographs year after year. There’s that lovely portrait that you had taken 10 years ago, however as lovely as it is – you don’t look like that anymore! So it’s time to have it updated (which really should be every few years anyway). The product range you sell has grown and the business turnover along with it. While you’ve been able to get by using your iPhone for the on-line store of your website, you now need a highly professional look with razor sharp images that are colourful and clear. Perhaps part of your services and/ or range is obsolete or has changed so much it no longer matches what you currently showcase. The lesson here is simple; Always update your imagery! Now let’s talk about why you need to engage a professional photographer, such as us here at iShoot Images. Using a phone or a cheap camera will never give you the results that you need to make

your business look completely professional, well established and successful. Photographers always keep their equipment and software up-to-date, as well as always learning new improves skills within the trade. This is all to make you, our clients, look as amazing as possible. Photographers seldom work for themselves; we service you. It is our job to make you and your business look amazing. We do this through all the different techniques and equipment we have available to us in the form of things like: a portable studio that can come to your business, lighting to bring out detail or create wonderful tonal moods, cameras that capture the highest definition currently available, and computer software to enhance and style every image; taking them from a simple photo to something that wows your clients and gives you the very best business image. 2019 is a New Year and naturally you have many ideas of what you want in the next 12 months. Make sure that you include updated photography on your priority list!

Aged Home Care – Better care or larger bureaucracy LAW RODNEY VEITH

The new Commonwealth funded Aged Care Quality and Safety Commission commenced operation on Tuesday, 1 January, 2019. The Commission combines the Australian Aged Care Quality Agency and the Aged Care Complaints Commissioner. The new Commission accredits will, assess and monitor aged care services subsidised by the Australian Government. It will resolve complaints about these services and aims to build confidence and trust in aged care, give greater voice to consumer complaints, support aged care providers to comply with quality standards, and promote best practice service provision. Madelaine Pelser, leads the Eldercare Legal Department at

Hutchinson Legal in Ringwood, and is concerned there may be a bureaucratic overreaction caused by the publicity given to rogue operators in the aged care sector. Some operators are already providing excellent and respectful care and Madelaine has expressed concern that operators may be required to divert resources from providing the care our elderly need, to filling in paperwork and documenting every small and sometimes inconsequential event that occurs in an Aged Care Facility. Care for our elderly should not be compromised, whether it be by a rogue operator, or by overzealous public servants. It is to be hoped the new Commission focuses their efforts on the operators who are either unable or unwilling to lift their standards and provide the care our elderly deserve. A Royal Commission

into aged care was established on Monday, 8 October, 2018 and the Commissioners are required to provide an interim report by Thursday, 31 October, 2019, and a final report by Thursday, 30 April, 2020. Grant Hutchinson, serving as director of an Aged Care Facility, notes the Royal Commission will be placing webcasts of their hearings online (https:// agedcare.royalcommission.gov. au/hearings/Pages/Webcast.aspx) and has watched the opening of the Royal Commission held on Friday, 18 January, 2019. He also expects to personally attend the hearings conducted by the Royal Commission into Aged Care Quality and Safety in Melbourne.

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Clients should not act solely on the basis of material contained in this article. The content is of a general nature only and may be liable to misinterpretation in particular circumstances. Changes to legislation can occur quickly. Do not act on any of the content of this article without first obtaining specific advice from a lawyer. April, 2019, FIND MAROONDAH 4


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$2b business loans fund hits parliament FINANCE Rebecca Gredley The federal government’s $2 billion plan to boost the funds available to smaller lenders has hit parliament. Under the draft laws, small and medium-sized businesses will be able to borrow money at more competitive rates through a new Australian Business Securitisation Fund. “This bill seeks to increase competition in the SME market by unlocking securitisation funding for small lenders, which will allow them to compete more effectively against the major banks,” Treasurer Josh Frydenberg said as he introduced the legislation to the lower house on Wednesday.

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Keeping your stuff safe: tips for intrepid travellers TRAVEL (KnowRisk) Keeping your stuff safe is a pretty important part of any good trip, and regardless of where you are travelling – whether it is in a familiar place or a vastly different culture – you tend to be more vulnerable and can become a target for thieves and scammers. There’s no need for paranoia, but you don’t want to be too complacent either. Here are some simple things you can do to help keep your stuff safe. 1. Don’t put all your eggs in one basket Split your valuables among different bags and even in different places throughout your bag – particularly if you are carrying a decent amount of cash. This means if one bag does get stolen, you wont lose everything. Make sure you carry a photocopy of your passport separately to your actual passport.

public places like bus stations or on There are a lot of genuine people out there, but a lot of the time you will trains. be expected to pay, and you are also opening yourself up to potentially 3. Lock up Cable locks are invaluable when having your luggage rummaged travelling. Use them to lock your bag through. Think about what you want to a heavy piece of furniture or to lock them to the seat or luggage rack when stowed away on buses and trains. It travelling on trains. This makes it just is better to have the majority of your a little harder for would-be-thieves to valuables with you and in sight rather than under a bus or on a luggage rack carry your stuff off. Take a padlock to use if you that you cant see. have a locker in your room, or to lock cupboards. It may even come in handy 6. Save your pics One of the most upsetting things as an extra lock for the door of your room – you never know who else may about losing your stuff is losing all have a key! Go for a combination lock your photos. Your camera is certainly rather than one with a key, you don’t replaceable, your photos not so much. want to have to worry about losing Back your memory card up regularly and keep the backup separately to that as well. your camera. 4. Pack it away When you leave your room, 7. Swim time resist the urge to leave things lying out Going for a swim can be tricky, all over the place. If things are packed particularly if you’re on your own. Even away in your bag, it is less easy to grab if you’re with friends, a waterproof something and run. This also means wallet can be an excellent way to carry your valuables aren’t out and about on a bit of cash with you when you hit the display. beach.

2. Wear it Keep the really important stuff like your bankcards and passport in a money belt or pouch and wear it 5. In transit 8. Read those reviews Be wary of people trying to Websites like Trip Advisor are hidden under your clothes. Keep your money belt on if you are sleeping in carry your bags at bus or train stations. invaluable sources of information for

travellers. When choosing somewhere to stay, check out the reviews first. You can usually get a pretty good idea about the security, as well as the type of place it is, from other traveller’s feedback. 9. Smart carrying Carry your shoulder bag across your body, with the bag on the side of you furthest from the road, to avoid it being snatched by someone passing by. If you carry a daypack, keep it strapped on both shoulders. 10. Look around Be aware of your surroundings, take note of who’s around and the type of neighbourhood you are in. Basically just be on the ball. 11. Think before you drink When your inhibitions are lowered, you tend to be less on the ball as far as keeping both you and your stuff together and safe. Don’t take valuables out if you plan on having a big night. 12. Travel insurance How much is all the stuff in your bag worth? What if you had to replace all of it? Think about it. April, 2019, FIND MAROONDAH 6


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Tech giants fighting encryption bill

TECHNOLOGY Hannah Higgins & Rebecca Gredley

Tech giants have thrown their support behind a submission to limit the federal government’s controversial encryption bill which they say will “cannibalise” the industry’s growth. StartupAUS, a peak industry body for startups, made a fourpage submission to the Federal Parliamentary Joint Committee on Intelligence and Security on Tuesday, outlining urgent changes it says need to be made to the bill, which passed the Senate in December last year with Labor support. Software giant Atlassian, graphic design tool Canva and venture capital firm AirTree have all thrown their weight behind the call for change. The bill, which was designed to give intelligence and law enforcement agencies easier access to encrypted communications used

by terrorists and criminals, will force tech companies to help authorities snoop on those messages. Liberal MP Andrew Hastie, who is the head of the parliamentary committee scrutinising the bill, says he expects amendments to be introduced in the Senate on Wednesday. The amendments will ensure an independent review of the bill occurs within 18 months of it passing parliament, and that commonwealth and state anticorruption bodies are involved with overseeing its use. The AFP has already used its new powers to prevent drug importation through cryptocurrencies, as well as child exploitation material being shared, he added. StartupAUS says the legislation is “bitterly disappointing”. “The Act grants the government globally unprecedented power to involve itself in the operations of technology companies, has a wide scope with little oversight, and has created a

harmful perception of Australian technology to customers overseas,” chief executive Alex McCauley wrote in the submission. Four key recommendations were made by the industry body in relation to the bill – including asking for a review to ensure the laws are not used inappropriately. “We need to ensure every effort is made so that international confidence in the Australian technology sector is not undermined by new legislation,” Canva chief operating officer Cliff Obrech said in a statement. “We welcome a formal consultation to amend the Act so it is practical for our burgeoning tech industry, without cannibalising on our efforts to innovate.”

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Where the money is, which jobs are on the rise towards 2020?

and a wider range of positions and employers to choose from. Here are 5 Money and Life key skillsets and industries expected to (Financial Planning Association of experience growth in job opportunities Australia) heading towards 2020[2]:

FINANCE

A new year can get you thinking about all sorts of lifestyle changes, including career direction. We look at the 5 industries expected to experience growth and offer the best in job opportunities in the next two years. Money isn’t the only reason we choose to work in the jobs we have. You might be following a personal passion or making the most of natural strengths and talents. But when it comes to planning a mid-life career change, it makes sense to be confident your new role and skills are going to reward you financially, particularly if you’re going to be investing time and money in education and training. With the general trend in wage growth in Australia looking sluggish, it’s more important than ever to retrain for a job that’s likely to be in demand. And you also want to be certain you won’t be choosing a role that could be replaced by a robot in the next decade. According to estimates from the World Economic Forum’s 2016 report “The Future of Jobs”, 5 millions jobs will be lost to automation by 2020[1] and that’s just the beginning. Being a sought after human resource can give you bargaining power 7 FIND MAROONDAH, April, 2019

1. Computer and mathematical Technological disruption is here to stay and with it comes a lot of data for businesses and the public sector to analyse. Although automation can take over a lot of data crunching, there is still likely to be strong demand for data analysts who can bring a human element to the story data is telling us. Information security experts, software developers and programmers will continue to be in demand for their ability to harness technology and data and protect us from it too.

of human capital and the rise of remote working, teams are becoming increasingly diverse and distributed. Put this together with the rapid pace of technological development and you get a complex set of challenges for managers to take on. Skilled leadership is going to be more important than ever as organisations seek to grow and prosper during periods of transformation and in uncertain times.

4. Human resources and legal The brave new world of technology can quickly become a minefield of lawsuits and regulatory standards. Having specialised legal minds and government relations experts can help organisations embrace new commercial opportunities with less risk. Human resource and organisational 2. Architecture and engineering design professionals will also be valued Having the skills to design and as businesses look to recruitment and manipulate our complex physical retraining to secure the skills they need environment are likely to be just as highly to thrive. valued as those needed to innovate in the digital world. Over 2 million new jobs 5. Sales in engineering, architecture, computing Effective salespeople are likely and mathematics are forecast for the 4 to become ever more specialised years from 2016 to 2020. Engineering as businesses aim to break into roles in biochemicals, nanotechnology, new markets. Communicating the robotics, and materials are expected to competitive advantage of a product or be particularly in demand. service to a range of target audiences – government, businesses and consumers 3. Management – will be continue to be a prized skillset. With the growing mobility

Plan for smooth transition Taking time off to retrain for your next career can be less stressful if you plan for the change in your financial circumstances. Whether you’ll be learning part-time or full-time, there’s likely to be an impact on your income. Talking to a financial planner can be a good way to make sure you have enough time and money to meet all your commitments as you get ready for your bright new future. Ready to jump in and get studying for that next career move? Find out more about the benefits of investing in yourself. [1] Fast Company, These will be the top jobs in 2025, Gwen Moran, 31 March 2016, “The World Economic Forum’s 2016 report, The Future of Jobs, estimates that 5 million jobs will be lost to automation by 2020 and that the number will keep growing.”https:// www.fastcompany.com/3058422/thesewill-be-the-top-jobs-in-2025-and-theskills-youll-need-to-get-them [2] World Economic Forum, 8 jobs every company will be hiring for by 2020, Cadie Thompson, 22 January 2016. https:// www.weforum.org/agenda/2016/01/8jobs-every-company-will-be-hiringfor-by-2020/


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realestate

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Buyer’s Agent usage on the increase in 2019 Martin Wyatt In many countries around the world over 80% of purchases are completed by using a Buyer’s Agent. In Australia we are for once a very late adopter, well that is until 2019. This year it’s predicted the engagement of Buyer’s Agents or Buyers or Buyers Advocates as they are also known will increase substantially and for very good reason. So today I will examine why. The reasons why people proceed with a Buyer’s Agent are wide and varied, from busy time poor people, wanting a professional in their corner for analysis, sourcing, securing, negotiations and dealing with the verifications, inspections, and setting the property up to be operational. There are some that simply don’t enjoy interaction with Real Estate sales agents, who would have thought! Each has a very valid reasoning behind it, as buying/selling/ moving houses is placed third on the alltime emotional impact list, just behind divorce and death of loved ones. As it turns out property means much more to us than just a place to hang our hat. Today Australian’s are starting to acknowledge and value their time more so than ever before. So often if you are committed in your career, you’re working additional hours which leaves less time for external activities and quality time with family. This means do we take time off work to run around looking at property or miss kids’ activities to

selection has numerous benefits but most of all you obtain the best result when you have as close to 100% of property available for selection. Recognizing the roles each party plays within Real Estate transactions is also vitally important. Traditional Estate Agents act for the vendor or seller. When a seller is deciding upon who they should have represent them, each Agent comes in and provides their best presentation, highlighting their power in negotiating over buyers, getting the very last dollar from buyers, having amazing marketing that can make a moderate home look like a palace. These Agents do a brilliant job for most sellers and represent their client, the seller very well. The buyer is not represented in any way unless they engage a Buyers Agent. When this is done the Buyers Agent can liaise directly with the Estate Agents on a professional level. This immediately begins the process of gaining bargaining power. As any offer put through a Buyers Agent is well informed, documented and presented to the Estate Agent representing the seller in a highly professional way. Keeping in mind Buyers Agents deal with Estate Agents on a regular basis and know and understand the quirks, the negotiation skills of the given Estate Agent, they also will liaise over multiple transactions and not just a once off. All this adds up to a better position for those using the services of a Buyers Agent. The being just based on the 55% or so on other people involved professionals to property portals. Having the better the transaction have their own fields of search? Do we look at just the properties available through the major Property websites of which is estimated at 55% and often only to find the photos look completely different to how the property is in reality? Great photography and marketing skills of Estate Agents can make the most average of properties look spectacular online. This commonly leads to hours upon hours wasted viewing properties that don’t meet your needs. You may have even attended busy open homes where it’s like you’re queuing to attend a major event. The view of the property is limited between gaps in the people walking through and it’s from this that you are expected to make the decision on the largest spend maybe in your life. It’s not ideal and this can strongly contribute to as why many countries around the world use Buyers Agents. Being able to make your decision from as close to the 100% of properties is very beneficial. The access to other 45% Off & Pre-Market Property increases the range of property considerably rather than

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specialty, such as finance, conveyancing, pest or build inspections along with a range of additional professionals. The Buyers Agent can liaise with all these professionals to allow you minimal time absorption and present the key information to you in brief but with capacity to fully explain. The most common mistake property buyers make is thinking the vendors or sellers Estate Agent is working for you. Right from the moment you either meet, speak or email, the Estate Agent is trained to commence a selling process with you. They are gathering information from you which they use during negotiations. They may also be engaging with your children to subliminally assist them. Estate Agents may ask the kids, “Which bedroom will be yours” so the kids tell their parents they want the house. These questions are designed to give them an unfair advantage over the buyers. As I said earlier, they’re working for the Seller and in most cases today received comprehensive training to get the best result for the seller. That’s their job! In 2019 buyers deserve the benefits that purchasing through a Buyer’s Agent. Australia’s Real Estate model is designed to protect the seller and unfortunately as it states in legislation “Buyer Beware”! It has never been a more important time in property to have the buyer’s represented too.


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Your ^

realestate agent


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131 MAX (131 629) | maxbrown.com.au


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E L P

Employment

M A X E E L P M A X E E L P M A X E

FIND JOBS INDEX

Hospitality & Tourism ................................... 61 Administration & Office Support ............. 61 Healthcare & Medical .................................. 61 Trades & Services ......................................... 61 Motor Mechanic ............................................. 61 Sales ..................................................................... 61 Manufacturing Transports & Logistics.......................................................................... 61 Cabinet Maker ................................................. 61 Diesel Mechanic ............................................. 61


E L P

Employment

M A X E E L P M A X E E L P M A X E

FIND YOUR NEXT EMPLOYEE Brooke T. O’Brien

JOHN B. SMITH

Applying for: Software Engineer

Applying for: Web Designer

Preferred Work Location: Melbourne Phone: 03 1234 5678 Email: brookeob11@gmail.com Professional Overview: Strong in design and integration problem solving skills. Expert in Java, C#, .NET, and T-SQL with database analysis and design. Skilled in developing business plans, requirements specifications, user documentation, and architectural systems research. Strong written and verbal communications. Desired Salary: $10,000

Preferred Work Location: Sydney Desired Salary: $10,000 Phone: 04 4354 2165 Email: johnsmith143@bigpond.com.au Professional Overview: A strategic leader with a progessive career of 20+years. Providing the vision and direction needed to achieve accelerated and sustained growth whilst decreasing costs. Strong exposure to Australia and Asia Pac markets including Singapore. China and Korea. Demonstrated versatility to quickly transition across differing market sectors such as IT&T. Tourism and Advertising.

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E L P

Employment

M A X E E L P M A X E E L P M A X E

FIND YOUR NEXT EMPLOYEE

ADD PROFILE HERE

ADD PROFILE HERE

ADD PROFILE HERE

ADD PROFILE HERE

ADD PROFILE HERE

ADD PROFILE HERE

ADD PROFILE HERE

ADD PROFILE HERE

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Maroondah Council News

Local Events


57 NEWS

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Not-For-Profits

Are you Non-For-Profit in the Maroondah area? Advertise your events for FREE on the following pages.


60 NEWS

findmaroondah.com.au

Volunteer Expression of Interest My Room is thrilled to annouce that they have been selected to be this year’s charity partner at the Forumla 1 Rolex Australian Grand Prix 2019. This iconic Melbourne event will be held over four days in Albert Park from Thursday 14th March to Sunday 17th March. As a charity partner, My Room has been presented the opportunity to showcase our work at this worldwide event and raise some much needed funds through the below activations: 

Central HUB with children’s activities, photo moment, silent auction and information.

Various photo moments spread throughout the course.

Roving staff selling merchandise and raising awareness.

We have a range of shifts available over the four days of the events, with varying roles to choose from. A brief example of the roles* are outlined below: 

Brand Ambassadors //will be roving a designated section of the course, with shaker tins and QUEST machines, collecting donations, selling raffle tickets and raising awareness for My Room.

Podium Activations Assistant //located at various points around the Grand Prix course, a team of two volunteers will be assisting with any queries or help the general public needs in taking photos and using the My Room hashtag.

Central HUB Volunteer //located at the main event site assisting with information, collecting donations, selling raffle tickets and being the point of contact for the general public

*please note: all roles will be assisting with money handling – volunteers must be comfortable with this.

ARTICLE 2

You will be allocated to a team of 3 to 4, but will also need to work independently if required. If you have any friends or family that would like to volunteer with please pass this letter on to them. Unfortunately due to safety policies and the wellbeing of all participants all volunteers must be a minimum age of 16 years old. We are looking for volunteers who are willing to work a minimum of 2 shifts across this four-day event. As rostering is a large process we ask that you are flexible in your availablity and to please outline in your registration if you are available on short notice, as additional shifts may become evident at very short notice. Upon arrival you will be supplied with a t-shirt and a volunteer pack. We ask that you wear black pants or black skirt and comfortable walking shoes (please do not wear loud and brightly coloured shoes). Formal shorts are acceptable in hot conditions, please no denim, active-wear, ripped or faded clothing. If you would like to be part of the 2019 Melbourne Grand Prix Volunteer Team for My Room, please complete the application form via the link below, before Friday 22nd February 2019: https://drive.google.com/open?id=1pTzWymFi5BNig1YJpHZTr9KVFhIi4yhw2QzO5_tRkps Thank you for your interest in volunteering with My Room at the Forumla 1 Rolex Australian Grand Prix 2019. We will be in contact towards the end of Febraury with further updates, and look forward to making this iconic Melbourne event a memorable one for you and My Room.

Yours Sincerely, Mary McGowan and My Room

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Cache Seek

1 3

and you will

2

Cache

4

Begin your first adventure in Find Maroondah

• Watch and read the clues Each month we will provide clues in the location of the Find Cache.

• Find a Cache

Once you found the Cache please notify us.

• Share your experience The winner will be published in the next Find Maroondah.


Cache About Find Cache

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Shop with us till 9pm, eat with us till 10pm

Shop

ADVERTISE HERE

Offer 1

Offer 2

eat

play

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ADVERTISE HERE

Offer 3

Offer 4

Offer 5

Offer 6


65 NEWS

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Do it well

Retirement

Accommodation

Lifestyle

Retirement Advice

Now selling

Things to do

Things you need to know

ADVERTISE HERE

92X260


68 NEWS

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- Local Tradies

R  

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INDEX

Local Tradies

ADVERTISE HERE

Builder .................................................... 44 Electrician ............................................. 45 Painter ................................................... 46 Plasterer ............................................... 47 Property Maintenance ................... 48 Cleaner .................................................. 49

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- Professional Services TITLE HERE

ARTICLE AND PHOTO HERE

INDEX Professional Services Photography ........................................ 73 Bookkeeping ........................................ 73 Find Accountant ................................ 73 Find Wealth ......................................... 73 Minuteman Press ............................ 72 Financial Planning ............................. 53 Computer Repairs/Services ...... 54 Solution Based Coaching .............. 55

ADVERTISE HERE

ADVERTISE HERE

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- Home & Garden

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INDEX

Home & Garden

ADVERTISE HERE

Specialist Tree Services ................ 56 Interior Design ................................... 57 Mowing .................................................. 58 Building Inspections ......................... 59 Nursery ................................................. 60 Flooring .................................................. 61

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- Health & Beauty

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Health & Beauty

ADVERTISE HERE

Hair Dresser ....................................... 62 Osteopath ............................................. 63 Chiropractor ........................................ 64 Beauty Therapy .................................. 65 Gym .......................................................... 66 Massage Therapy ............................. 67

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139x63

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sports

V O C E

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O T O H P ER

ADVERTISE HERE

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79 FIND SPORTS

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Car Sales

NEW CARS & USED CARS

NEW CARS AND USED CARS

ADVERTISE HERE

45x260


82 FIND CAR SALES

findmaroondah.com.au

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Yo u

r

No

In N O sid FF e! ER S

PO

CO U

FREE

its

r P t-For-

of

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ort

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CafĂŠ

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Entertainment

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Travel

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E Dining

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