Find Yarra Ranges 2022 - March Edition

The

MARCH 2022

Yarra Ranges WHAT’S INSIDE: 04

LOCAL STORIES

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COLUMNIST ARTICLES

14

TAX UPDATES

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REAL ESTATE - RENTAL LISTINGS

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YARRA RANGES COUNCIL NEWS

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NOT-FOR-PROFIT EVENTS & ARTICLES

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FIND BIRTH, DEATHS, & MARRIAGES

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FIND COUPONS

SUPPORT LOCAL, BUY LOCAL, DISCOVER YARRA RANGES

CRAIG ANDERSON General Insurance 0418 300 096 sales@heightsafetyinsurancebrokers.com.au

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We are looking for business owners who would like to be part of the Find Yarra Ranges Network Group.

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Your membership will be entitle you to the following: EXCLUSITIVITY

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No other business owner in your area of expertise will be able to attend the monthly meetings or advertise in the online paper within your specific region. You won’t just have exclusitivity amongst 20 - 30 people but with over 149,537 people in the Yarra Ranges Shire.

Write Article each month about your business.

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OUR MISSION TO SUPPORT AND PROMOTE ALL THINGS YARRA RANGES.

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MARCH 2022 | FIND YARRA RANGES

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About the Find Yarra Ranges

By Warren Strybosch

The Find Yarra Ranges is a community paper that aims to support all things Yarra Ranges. 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 upand-coming events in the Find Darebin 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 businesses 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

and rolling out over the coming years.

Our aim is to help as many NFP and other like organisations to raise much needed funds to help them to keep operating.

Our fundraising initiatives will never simply ask for money from you.

We will also aim to provide something of worth to you before you part with your hard-earned money. The first initiative is the Find Cards and Find Coupons – similar to the Entertainment Book but cheaper and more localised.

Any NFP and similar organisations e.g., schools, sporting clubs, can participate.

Follow us on facebook (https://www. facebook.com/findyarraranges) so you keep up to date with what we are doing.

We value your support, We value your support, The Find Yarra Ranges Team.

The

Yarra Ranges EDITORIAL ENQUIRES: Warren Strybosch | 1300 88 38 30 info@findnetwork.com.au PUBLISHER: Issuu pty Ltd POSTAL ADDRESS: 248 Wonga Road, Warranwood VIC 3134 ADVERTISING AND ACCOUNTS: info@findnetwork.com.au GENERAL ENQUIRIES: 1300 88 38 30 EMAIL SPORT: info@findnetwork.com.au WEBSITE: www.findyarraranges.com.au

OUR NEWSPAPER The Find Yarra Ranges was established in 2020 and is owned by the Find Foundation, a Not-For-Profit organisation with is core focus of helping other Not-ForProfits, 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 Darebin has a strong editorial focus and is supported via local grants and financed predominantly by local business owners.

ALL THINGS YARRA RANGES The City of Yarra Ranges is a local government area in Victoria, Australia in eastern and northeastern suburbs of Melbourne. Yarra Ranges had a population of approximately 149,537 as at the 2016 report and close to 58,972 households. The City of Yarra Ranges was formed in 1995 by the merger of parts of the Shire of Sherbrooke, Shire of Lillydale, Shire of Healesville and Shire of Upper Yarra.

ACKNOWLEDGEMENT The Find Yarra Ranges acknowledge the Wurundjeri people, the original custodians of this land and their rich cultural heritage and spiritual connection to the land. We recognise and respect the unique diversity of the Indigenous community in Yarra Ranges, which is part of the world's oldest living culture.

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Readers are advised that the Find Yarra Ranges accepts no responsibility for financial, health or other claims published in advertising or in articles written in this newspaper. All comments are of a general nature and do not take into account your personal financial situation, health and/or wellbeing. We recommend you seek professional advice before acting on anything written herein.

Next Issue of the Find Yarra Ranges will be published on Friday April 8, 2022. Advertising and Editorial copy closes Friday April 1, 2022.

MARCH 2022 | FIND YARRA RANGES

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Housing Prices Drop For the past two years we have seen significant housing growth but now capital city values are starting to trend downwards, according to latest data.

Stronger housing market conditions were recorded in Brisbane and Adelaide and Hobart, where housing values rose by more than 1.0 per cent in February.

Sydney has posted the first decline in housing values since September 2020.

Whilst the drop of 0.1 per cent is a modest decline, it is an indication of where the market is likely to head for both Sydney and Melbourne over the next 12 to 24 months.

Regional markets remain strong

CoreLogic’s national Home Value Index recorded a 0.6 per cent gain in February, the pace of growth had slowed since April 2021 and marked the lowest monthly reading since October 2020.

Over the past three months, housing values across the combined rest-of–state regions increased (up 5.7 per cent), compared to combined capitals that rose 1.8 per cent.

Whilst capital cities are starting to trend downwards, regional Australia continues to record a substantially higher rate of growth than the capital cities.

Although the rolling quarterly rate of value growth remains rapid across regional Australia, conditions have eased from its recent peak of 6.4 per cent over the December quarter and is down from a cyclical peak of 6.6 per cent recorded in April last year.

CoreLogic’s director of research, Tim Lawless, said demographic tailwinds, low inventory levels and ongoing demand for coastal or tree-change housing options are continuing to support strong upwards price pressures across regional housing markets.

Suncorp Super mergers with QSuper and increases insurance premiums

By Warren Strybosch

Recently Suncorp Super merged with QSuper. Suncorp Super, in a statement to its members, informed them that their insurances held with Suncorp Super would be increasing from the 27th of February 2022.

Suncorp Super encouraged their members to speak to a financial advisor about the increase in insurance premiums.

If you are a previous member of Suncorp Super or QSuper, we would encourage you to make an appointment to speak to an advisor at Find Insurance or Find Wealth. You may be surprised to discover that there may be better insurance and super alternatives available to you.

If you wish to speak to an advisor at Find Insurance or Find Wealth, simply contact them on 1300 88 38 30 or email info@ findwealth.com.au or info@findinsurance.com.au and ask for a free appointment to discuss your insurance and/or super needs.

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MARCH 2022 | FIND YARRA RANGES

Dealing in Crypto?

ASIC asks you to get financial planning advice

By Warren Strybosch

Crypto, like any investment can rise and fall. In the last few months, we have seen crypto currencies fall between 40% to 90% and with a current unstable world economy, it does not look like we will see a rebound in this sector anytime soon.

The most common crypto currency is Bitcoin. At its height in November 2021, it was worth close to $94,000 AUD, and currently it is worth $53,000.

Even before the fall in crypto pricing, ASIC was concerned with the number of people investing in crypto. People had it in their mind that crypto would just continue to rise in price without ever falling. They, those who wanted to invest, were concerned they were missing the boat on such a lucrative opportunity.

However, like with all investments that are driven mainly by fear in greed, crypto has proven to be no different to other investments we have seen in the past.

It will have its amazing ups and downs and trying to ‘guess’ or ‘time’ the market can have devastating consequences for many investors whilst only a few people end up walking away as the winners.

I have heard stories of investors jumping in at the high, watching crypto drop 1015%, leverage up their investment (in otherwards borrow against their current investments), to only see the bottom drop

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as the example above demonstrates. If you do happen to time it right and get some growth, you then must decide when to sell. Once you have sold you are out of the market.

With the lack of income that crypto provides e.g., none at all, it is not the most ideal investment to place your money into. Crypto should only be used by those investors who a) don’t need their money, and b) have all the time in theworld to watch the price go down. It is back the capital in the near future.

ASIC is so concerned about crypto and the increased market activity whereby schemers are recommending you switch from retail and industry funds to SMSFs to invest in crypto, that they have requested everyone seek financial planning advice from a licensed financial planner before making such decisions. ASIC said that individuals should not rely on social media ads or online contact promoting an “investment opportunity” or “high return” portfolio.

out of crypto after they have borrowed the funds. This has resulted in a margin call whereby they have had to sell down their now worthless investments to cover the borrowings because the lender was concerned, they might not have the ability to pay back the loan. This has resulted in them walking away with a few thousand dollars from the nearly $50,000 they had originally invested.

Does this sound familiar?

This is what happened with the GFC where investors had margin loans against their investments. Of those who had margin loans during the GFC, approximately 90% of investors had margin calls and were required to either sell down their investments or come up with additional funds to pay back the loan. Time simply repeats itself and the same lessons are being learned, albeit by the next generation.

The biggest issue with crypto investing is income – it simply does not produce any.

With all good investments you should seek growth and income and not simply growth. Yes, you can stake some coins, and this can alleviate some of the issues around price drops, but given there is no income, you are subject to everyone else’s fear and greed driving pricing. This lack of income makes you heavily reliant or hopeful on growth and when it does not occur can cause all kinds of problems

“Setting up an SMSF is one of the most significant decisions you can make relating to your retirement savings,” ASIC said.

In particular, individuals should be wary of cold calling, text messaging and emails that recommend transferring super to an SMSF or investing in crypto assets via their SMSF. “Australians who decide to self-manage their super should consider the risks before using their SMSF to invest in cryptoassets,” ASIC noted.

“As the trustee of your SMSF, you ultimately bear responsibility for the fund’s decisions and for complying with the law even if you rely on other people’s advice – licensed or otherwise.”

The regulator pointed to its own website, Moneysmart and the ATO website as providing resources for information about scams, crypto investments and SMSFs. In summary, crypto is an investment that will go and down in value, does not produce income, and should only be considered as an asset class for those investors who have the time and resources behind them to see them through a bearish market, and importantly, to seek advice, from a licensed financial planner, before making any decisions about what to invest in, that includes crypto.

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Businesses Fudging the Books are Placed on Notice

By Warren Strybosch

Have you ever gone to pay for something and wondered whether the money you handed over is being recorded correctly for tax purposes? Do you sometimes think, especially when they ask if you want a receipt or not, if the funds are being recorded in a way so as to avoid paying tax? Well, your thoughts might have some validity to them.

The ATO has recently released PS LA 2022/1 Administrative penalties for electronic sales suppression tools.

It provides guidance to ATO staff on the application and remission of the administrative penalties for producing, supplying, possessing and incorrectly keeping records using an electronic sales suppression tool (ESST). ESSTs are hardware or software tools designed and used to manipulate sales records, understate income and assist in avoiding tax obligations. The production, supply, possession and use of ESSTs contribute to the black economy and undermine the integrity of the tax system.

What is an ESST? ESSTs are designed to interfere with electronic sales records; that is, they can falsify, manipulate, hide, obfuscate, destroy or prevent the creation of electronic sales records, often without an audit trail showing the interference.

They can take various forms and are constantly evolving, but some examples include: • • •

software that deletes or modifies point of sale (POS) records storage devices (such as back-up drives) containing software that deletes or modifies records POS devices with software that deletes or modifies records.

Penalties apply for producing, supplying, possessing, and incorrectly keeping records using ESSTs, as well as aiding or abetting another to do so.

If you discover an entity has possession of or is using an ESST, in addition to considering if a penalty applies, you should work with the entity to ensure that the ESST is removed so the entity will no longer engage in conduct that can attract a penalty.

Deciding whether something is an ESST To be an ESST, the tool must both be capable of interfering with a record and one of its principal functions must be to interfere with sales records. A modification

or additional features added to a legitimate sales system can be an ESST, even if the device or program as a whole is not.

Records are information in any format that explain an entity’s transactions or other actions. Precisely what they are and what form they take depends on the circumstances. They generally include tax invoices, receipts and records of sales and all business transaction information.

An ESST must be capable of interfering with records. Typically, a tool can interfere with records if it can: • • •

manipulate, falsify or delete the record of transactions renumber or recharacterise transactions interfere with records without showing an audit trail of the changes.

A tool passes the capability test for an ESST if it can interfere with a record that: • •

an entity is required by a taxation law to keep or make, and has been, or could be, created by a POS system which creates or feeds data into an entity’s tax records.

You do not need evidence that the tool has been used to interfere with a record, just that it is ‘capable’ of doing so.

Criminal prosecutions An entity that produces, supplies or possesses an ESST or uses an ESST to incorrectly keep taxation records may be liable for criminal prosecution.

The ATO may seek prosecution of an offence by conducting a criminal investigation and referring the matter to the Commonwealth Director of Public Prosecutions.

Example 1 - not an ESST - changes are recorded Bellissima Beans Café Ltd buys a POS system for their new café. This POS system includes a function to reverse and void transactions. The manufacturer states that this function is for correcting mistakes and generating refunds.

The POS system records all changes to transactions in its history log. It produces a receipt and marks it as a void transaction.

All receipts have sequential transaction numbers so any void transactions with missing receipts can be identified.

Although this function gives Bellissima Beans Café Ltd the ability to delete and reverse transactions, the POS system creates an audit trail, so a reasonable person would not conclude that one of its principal functions is interfering with records. The POS system is not an ESST. Example 2 - possession of an ESST - full remission

The ATO conducts a routine audit of a bookstore owned by Book Worms Pty Ltd (Book Worms). Bob is the director of this company and runs the bookstore.

During the audit, a hidden function within the system allows sales transactions to be deleted or manipulated without leaving a record of the original transaction. As a reasonable person would conclude that one of the primary functions of this system is to interfere with sales records, it is an ESST. Bob is surprised to discover that his system has an ESST and explains that he had no idea that it was there. He had bought the bookstore from Keanu in March 2017, who had not mentioned that there was anything unusual about the business or the equipment. He explains that he had not used the ESST and contacts his POS system supplier immediately to ensure ESST capabilities are removed.

At the conclusion of the audit, no evidence was found that the ESST had been used to alter any of Book Worms’ business records. The audit did not result in any amendments to Book Worms’ income tax returns or BASs. Book Worms has a good compliance history.

Notwithstanding the above, Book Worms is liable to an administrative penalty of 30 units for possessing an ESST. It does not matter that Book Worms came into possession of the ESST before the legislation was enacted.

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MARCH 2022 | FIND YARRA RANGES

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Are you a Financial Planner looking for more clients?

Grow your Financial Planning Business with great integrity and sensitivity by providing advice to those requiring Aged Care Services.

List in our Find Aged Care Accommodation Website Are you an Established and experienced Financial Planner providing Aged Care Advice?

Find Aged Care Accommodation is seeking professional ‘aged care’ accredited financial planners to provide advice to those seeking aged care advice in their local area. Are you accredited and can help work with clients to find the best aged care options? Are you able to work with their loved ones and help make the process of transitioning into aged care less daunting and complex? If so, consider listing on our website.

List with us, and we will get you promoted through our website, social media, and local community papers.

Why not consider joining the Find Network as a specialist Aged Care advisor and obtain referral leads from the rest of the Find Network members in your area?

To learn more about these new opportunities, contact Warren on 1300 88 38 30 or email info@findagedcareaccommodation.com.au visit our website at www.findagedcareaccommodation.com.au

MARCH 2022 | FIND YARRA RANGES

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Family Trusts in the ATO Firing Line ACCOUNTANT

By Warren Strybosch

The ATO has released a suite of new guidance products that is set to have a major change on family trust distributions and tax arrangements.

The ATO has released new draft public advice and guidance (PAG) products relating to section 100A reimbursement agreements and division 7A of the Income Tax Assessment Act 1936.

The Draft Taxation Ruling TR 2022/D1 suite is open for consultation and clarifies the ATO’s position on reimbursement agreements under section 100A, and identifies arrangements that will not attract ATO compliance resources.

Draft Taxation 2022/D1 outlines

Determination

TD

when “financial accommodation” arises under division 7A whilst Taxpayer Alert TA 2022/1 highlights arrangements of concern from the ATO where taxpayers are using adult-child beneficiaries of family trusts to avoid tax on income.

The draft Ruling means the ATO may charge Trusts up to 47% tax where a trust distributes funds to adult children and it is found the parents are using those funds instead of the intended beneficiaries, in this case, the adult children.

It has been common practice for family trusts to be set up and income splitting to occur between spouses and other family members e.g., adult children. The ATO is aiming to stop or at least restrict this practice by using section 100A arguing that the beneficiary never used the funds and therefore was not actually entitled to the trust money that was paid to them. If this is found to be the case, then the ATO can tax the trust at the maximum rate of 47% (45% tax + 2% Medicare levy).

The guidance will be relevant to any trustee (or controller) of a closely trust that may have concerns about whether the trust anti-avoidance provision in section 100A may apply when trust income is distributed to relatively favourably taxed beneficiaries, but the benefits of that income are enjoyed by others.

It also addresses trusts that intend to, or have in the past, made a private company beneficiary presently entitled to trust income but not paid the amount on the basis that the amount is held in a sub-trust for the benefit of the private company and the arrangement avoids the application of division 7A. “The vast majority of small businesses operating through a trust will not be affected by this public advice and guidance,” the ATO explained.

If the ATO begins to enforce section 100A, all trustees of family trusts will need to review their income-splitting strategies and how they distribute funds to beneficiaries. It will be important for trustees to have written document in place which adequately explains the justifications as to why a beneficiary is entitled to the revenue generated by the trust. This is going to be paramount for business owners who run their business through a family trust where the main business owner is the key person generate the revenue flowing through the trust and for those who have set up trusts to pass on funds to adult children.

The ATO’s further guidance in PCG 2022/ D1 specifically calls out children-parent arrangements. It is likely these types of arrangements will be targeted resulting in future penalties applying if the ATO conducts an audit. An example might be where a beneficiary has a significant difference between their entitlement to taxable ‘net income’ and their ‘trust income’ in specific year (not that uncommon) and the ATO thinks the gap

is contrived to pay less tax. Again, it will be important to have carefully documented reasons as to how the adult children are using these funds for their own personal use e.g., pay board, petrol, etc.

Another area the ATO will be looking closely at is where a trust pays money to a company in a circular way between a Trustee that holds shares in a Company and then the Company is also a beneficiary that pays dividends to the Trust. The idea being the Company becomes entitled to trust money which the Trustee is really using for its benefit (and which the Trustee should instead be accumulating and paying tax at 47%).

It is advisable that these arrangements cease immediately.

Family trusts have always been in the firing by the ATO and more so since Labor limited the ability of trustees to distribute funds to minors. These new developments, whilst they might add another level of complexity for trustees, does not mean trusts hold no value. They are still a good vehicle for asset protection, and when set up correctly, with the right documentation in place, can still provide a good way of distributing funds to adultchildren, and used for income-splitting purposes.

At Find Accountant, we provide SMSF tax advice.

Our senior accountant is also an award-winning financial advisor. If you require SMSF advice or are considering whether or not to wind up your SMSF, then speak to Warren Strybosch at Find Accountant Pty Ltd.

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

“The draft guidance sets out the ATO’s preliminary but considered views on the interpretation of the relevant law, as well as guidance on how the ATO will administer the ATO view as expressed in the draft products,” the ATO said.

WARREN STRYBOSCH

“We have included explanations of proposed transitional arrangements to support clients to adjust their tax affairs to comply with the draft guidance once it is finalised.”

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

The products address the situation when certain trust distributions may attract the operation of section 100A or division 7A of part III of the Income Tax Assessment Act 1936 (ITAA 1936), according to the ATO.

Find Group

TOP 50 MOST INFLUENTIAL FINANCIAL ADVISER IN AUSTRALIA The financial advisers featured in this guide are a diverse group: some specialise in responsible investment advice, some provide financial advise to specific professions, and some focus on addressing market gaps, mwith several finding themselves on the list for the very first time. But they all have one thing in common: they all wield influence that can create the blueprint for the future of financial advice in Australia. Not all of them are faniliar names but just because they are not making a lot of noise doesn’t mean they are not making waves. Meet our Power 50.

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MARCH 2022 | FIND YARRA RANGES

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Significant Material Costs Lead To Dwelling Build Approvals Collapsing In 2022

By Warren Strybosch

With the collapse of housing construction companies like Probuild and building materials doubling in price, it is no wonder dwelling building approvals have collapsed over the last 12 months.

The number of approved residential construction in Australia has plummeted, hitting its lowest figure in almost 18 months and the first decline since October last year.

We have even heard of large home building businesses offering future homeowners up to $50,000 to break their home building contracts given the significant increases in material costs. It is apparently cheaper for them to pay a large break cost than to go ahead and build the new home.

One builder stated that building materials like wood had only increased by 10 cents per metre but over the last 12 months, the price of wood has literally doubled.

They stated that they would have to bear the cost of the increase if any building contracts were signed given it is illegal to

pass on the increase to the consumer once a contract has already been signed.

The same category of dwelling was said to be behind the uptick of approvals reported in December.

According to the Australian Bureau of Statistics’ data on building approvals in Australia, there were a total of 12,916 total dwellings approved over the month of January, falling 27.9 per cent comparative to December and over 24 per cent compared to the same period last year.

However, housing approvals were also reported by the ABS as suffering a sudden fall, hitting 8,712 over January and marking a monthly reduction of 17.5 per cent.

This fall was observed almost across every state, with the decline being felt most distinctively in Victoria (-35.5 per cent), South Australia (-29.2 per cent) and NSW (-25.9 per cent).

The only state that reported monthly growth was Queensland, which saw a marginal increase of 0.5 per cent.

Driving this distinct loss in new dwellings, which is the lowest since June 2020 (12,724), was a dearth of apartments, town houses, and units, which fell 43.6 per cent month-to-month, hitting 4,007.

This again was observed across the country, with every state reporting a diminished approval figure, with NSW reporting the smallest decline (-14 per cent) and South Australia the largest (-19.9 per cent).

Compared to January 2021, this new figure for private houses reflects a downturn of 29 per cent.

It is likely, given the large increase in building material costs, that many people will hold off building their new home or an extension, and we are likely to see further declines in new dwellings being built during 2022.

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Do you get high at work?

GENERAL INSURANCE

By Craig Anderson

Many tradespeople are qualified to work at height as part of their occupation.

They may use scaffold, EWP (Elevating Work Platform), rope access equipment, or even work on a high-rise rooftop with access via stairs or a lift. Regardless of how they get there, most of them will be aware of their surroundings, and will make every effort to keep themselves and those around them safe and try not to break anything in the process. Some will not have read their Public Liability Policy Wording, and will be unaware that the policy they purchased has a height limit imposed which they exceed without knowing. If they create a bodily injury to a third party or damage to third party property, and they are working above the insured height limit when the accident occurs, the policy will not respond. In other words, they become personally financially liable without the benefit of insurance that suits the activities they undertake in their business.

Policies without height limitations are available. rope access technicians and height safety equipment installers are two trades that spring to mind who are constantly working at heights above those allowed for in some policies, and who require more tailored cover with fewer restrictions. Scaffolders, renderers, painters, glaziers, roofers, plant and equipment techs for example may all require cover at height, depending if they perform commercial or domestic work. For these trades, there really is no reason not to be covered properly when the solution is there waiting.

If you are working at heights, and have no idea if you are really covered, the time to act is now. A review of your policy could ensure you are not exposing yourself to unnecessary financial risk.

For a health check of your business insurance, contact Small Business Insurance Brokers via email sales@ smallbusinessinsurancebrokers.com.au or call 0418 300 096 Any advice in this article has been prepared without taking into account your objectives, financial situation or needs. Because of that, before acting on the above advice, you should consider its appropriateness (having regard to your objectives, needs and financial situation).

Craig Anderson GENERAL INSURANCE Small Business Insurance Brokers www. heightsafetyinsurancebrokers.com.au 0418 300 096

Gone up in smoke - $42m worth of illicit tobacco ceased and destroyed

By Warren Strybosch

The ATO via “Operation Greyhound”, they have uncovered a large source of illicit tobacco in Koraleigh, New South Wales. The amount covering 24 acres, was estimated to be over 250,000 kilograms in weight, and worth a staggering $42m on the open market.

The ATO undertook significant warrant activity with assistance from officers attached to the Murray River PD Rural Crime Team and the Proactive Crime Team from NSW Police Force. The ATO said that this outcome demonstrates their commitment to detecting, disrupting, and dismantling crime syndicates that grow illicit tobacco.

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MARCH 2022 | FIND YARRA RANGES

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Australia Set to be Reunited as WA Reopens 11: 59pm Wednesday Andrew Brown (Australian Associated Press)

Australia is just hours away from returning to pre-pandemic interstate travel arrangements, with Western Australia set to bring down its hard border with the rest of the country.

WA will reopen to eastern states from 11.59pm on Wednesday, making travel freely permitted again between all states and territories.

be triple-vaccinated against COVID-19 and have a completed travel pass to enter the state.

symptoms and would be recovering over the next week while working from home in Sydney.

WA Police Commissioner Chris Dawson said he expected an influx of travellers after months of being closed off to the rest of the country.

“I had tested myself daily since Sunday, including (Tuesday) morning, with all tests returning a negative result,” he said.

“We’ve had almost 23,000 applications (for travel passes), so we’re expecting tomorrow will be busy,” he told Perth radio station 6PR.

Hard border measures have been in place in Western Australia for several months following COVID-19 outbreaks in other jurisdictions.

“It takes between 15 and 25 minutes to basically process passengers off large aircraft.”

The reopening comes after Premier Mark McGowan delayed the easing border regulations earlier this year due to rising Omicron cases across the nation.

The border relaxation comes as Prime Minister Scott Morrison and WA-based federal minister Ben Morton tested positive to COVID-19.

Travellers into Western Australia – including returning residents – will need to

In a late-night statement, the prime minister said he was experiencing flu-like

“I took a further test (on Tuesday) evening after developing a fever. The test was inconclusive so I took a PCR test which returned a positive result.”

Meanwhile, the Australian Technical Advisory Group on Immunisation has recommended the Novavax COVID-19 vaccine be used as a booster.

The advisory group said Novavax was recommended for those over 18 when an mRNA vaccine, such as Pfizer, was not suitable.

Health Minister Greg Hunt said since Novavax was first approved by the country’s medical regulator, more than 25,000 doses of the vaccine have been administered as a first dose.

“The Therapeutic Goods Administration is currently considering an application for whole-of-population use of the Novavax COVID-19 vaccine as a booster,” Mr Hunt said.

“The TGA and ATAGI continue to review emerging evidence on all COVID-19 vaccines.”

While vaccines are not yet approved for children under five in Australia, US President Joe Biden indicated in his State of the Union address American scientists were working on such an approval.

The head of the TGA previously said approval for under-fives vaccines had been “put on ice” in the US, meaning approvals would not take place in Australia until at least after Easter.

There have been 59 deaths reported from COVID-19 on Wednesday, including 28 from Victoria, 24 in Queensland, five in NSW and two in the Northern Territory.

More than 25,000 new infections were detected across the country, of which 10,650 were in NSW, 7126 in Victoria, 5011 in Queensland, 1053 in the ACT, 624 in the NT, and 868 in Tasmania.

MARCH 2022 | FIND YARRA RANGES

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13

COVID-19 $450 payments to cease.

By Warren Strybosch

The Andrew’s government will cease paying the $450 payment to Victorians whilst they await their PCR test results, as rapid swabs make the system obsolete.

The state government announced its test isolation payment will end with demand reducing as rapid antigen tests become more widely available. Industry Support and Recovery Minister Martin Pakula said Victoria was entering a new phase of managing the pandemic and the program was no longer necessary.

“The recommended testing method has changed with rapid antigen tests providing results within minutes and eliminating the need to miss work while waiting for test results,” Mr Pakula said.

More than 1.2 million payments worth about $545 million have been approved since the system began in July 2020 during the state’s devastating second wave of COVID-19 infections.

Payments will still be available for Victorians who have to self-isolate, quarantine or need to care for someone in self-isolation or quarantine under the federal government’s pandemic leave disaster payment.

“If you don’t own property, that’s a big source of household wealth and security you don’t have access to.”

Mind the gap for women on property ladder Maria Rae (Australian Associated Press)

Australian women are taking longer than men to get on the property ladder, and are more likely to get a smaller share of the gains, new data shows.

Further, soaring property prices in the past year could widen the gender wealth gap, the report released on Tuesday said.

The CoreLogic report said women are more likely to buy units than houses, which have had a smaller rate of gains and put them at a disadvantage for longer-term wealth accumulation.

Australia’s residential property market is now worth $9.7 trillion, with dwellings up a median 22.4 per cent or $130,000 in the past year amid record low interest rates.

But 10-year growth rates are 6.2 per cent per year for houses, and 4.1 per cent per year for units.

“Men are not only accumulating greater wealth from a higher proportion of existing property ownership, but they’re also able to get into the market sooner than women,” CoreLogic spokeswoman Milena Malev said.

Despite a tight labour market, the pay gap between men and women has widened, the report found.

This means men, on average, can accumulate a home loan deposit more quickly – taking 79 months to save a 20 per cent deposit compared to 91 months for women.

The report found male ownership is generally higher in markets dominated by detached houses, such as in resourcebased markets like Perth.

But even in markets with more gender parity, such as Greater Melbourne, men still owned a higher portion of houses (29.9 per cent) than women (25.7 per cent).

Rates of female home ownership were highest in Greater Sydney (31.9 per cent) and lowest in regional WA (21.7 per cent) and Greater Darwin (24.0 per cent).

The smallest differences in home ownership between men and women were across regional Victoria.

MARCH 2022 | FIND YARRA RANGES

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2022 TA

Small business CGT concessions accessed by ineligible taxpayers The ATO is contacting taxpayers that have claimed small business CGT concessions in recent income tax returns. The main focus of the correspondence is for taxpayers to ensure they meet eligibility conditions and have records to substantiate the concessions claimed. For planned future transactions, taxpayers can seek a pre-lodgment compliance agreement or apply for a private ruling to ensure small business CGT

Announced: 15-Nov-2021 Updated: 22-Nov-2021

concession eligibility.

Single Touch Payroll Phase 2 now deferred The ATO has announced an extension to begin additional reporting requirements under Single Touch Payroll Phase 2. Employers will not be penalised as long as they start reporting the additional information by 1 March 2022. Previously, the guidelines were to have employers commence Phase 2 by 1 January 2022. However, if an employer is able to complete the additional reporting they have been encouraged to do so. One reason may be that the software provider enables an employer to complete additional reporting.

Announced: 23-Nov-2021 Updated: 24-Nov-2021

Single Touch Payroll Phase 2 will mainly require an employer to: •

split gross income of their employees into relevant sections

•

explain the withholding category of each employee, and

•

provide details on cessation of employment.

Payment Times Reporting Scheme The Payment Times Reporting Scheme commenced on 1 January 2021, providing small businesses with greater understanding of the corporate treasury management processes within large businesses and government enterprises. Information reported by large businesses on payment terms and times for their small business suppliers at an aggregate level is publicly available on the Payment Times Reports Register.

Announcement(10-Dec-2020) Consultation Introduced(13-May-2020)

This will assist a small business in decision making by increasing transparency on how quickly they could

Passed(6-Oct-2020)

expect payment for work with a big business.Small businesses can opt out of being identified as a small

Royal Assent(14-Oct-2020)

business for the purposes of the scheme. This will mean that their payment times and terms with large

Date of effect(1-Jan-2021)

businesses will not be reported.

Victorian windfall gains tax Royal assent has been given to the windfall gains tax (WGT), which is to be levied on rezoned land in Victoria.

The WGT will apply to rezoning planning decision which will substantially increase the value of land. The WGT will not apply if a rezoning event causes a taxable value of land uplift of less than $100,000.

Announced: 2-Dec-2021

The commencement date for the WGT will be from 1 July 2023, with various deferrals and exemptions

Updated: 3-Dec-2021

available.Information relating to the interaction between the WGT and other federal income tax is yet to be released by the ATO.

Loss carry-back available for companies For 4 income years, many corporate tax entities will be eligible to claim a refundable tax offset when they incur a taxable loss. This optional offset is available only to corporate businesses and is a recoupment of

Announcement(6-Oct-2020)

prior year income tax paid, but is only available for recent income years. The loss carry-back is available

Consultation(6-Oct-2020)

to businesses with turnover under $5 billion. Any refundable tax offset is limited to prior year tax paid and the balance of the franking account. In the 2021 Federal Budget, the ability to utilise tax losses for a refund has been extended by 12 months into the 2022–23 income year. The extension has been introduced into parliament.

Introduced(7-Oct-2020) Passed(9-Oct-2020) Royal Assent(14-Oct-2020) Date of effect(1-Jul-2021)

AX UPDATES Employee share scheme tax and regulatory changes proposed

New legislation has been introduced into parliament which will remove 'cessation of employment' as a deferred taxation point on employee share schemes (ESS). Further draft regulations have been released by the Treasury around changing both the taxation and regulatory framework for Australian businesses. Overall,

nnouncement(10-May-2021) Consultation(25-Aug-2021) Introduced(25-Nov-2021)

these combined proposals for both ESS participants and businesses may change traditional structuring of

Passed

arrangements if they are enacted. Further, it will allow greater flexibility and clarity for businesses to make

Royal Assent

ESS offers to participants in the future.

Date of effect

Intangible assets depreciation changes proposed A proposal to change legislation around intangible asset depreciation has been issued by the Treasury after an initial announcement in the 2021 Federal Budget. Under the proposal, taxpayers will have the option to self-assess the effective life of certain intangible assets that currently have statutory depreciation rates.

Announcement(2-Dec-2021) Consultation(23-Dec-2021) Introduced Passed

If the proposal passes through the legislative process, self-assessed intangible asset depreciation will begin

Royal Assent

for assets first held on or after 1 July 2023.

Date of effect

AAT extended power to pause or modify ATO debt recovery (2021 federal budget measure) Small businesses (aggregated turnover less than $10 million) will be able to apply to the Administrative Appeals Tribunal (AAT) to pause or modify ATO debt recovery action for debts being disputed in the AAT. Currently, small businesses are required to go through the court system to pause or modify ATO debt recovery action. Taxpayers are otherwise required to pay disputed tax liabilities by the due date or enter into a 50/50

Announcement(8-May-2021) Consultation(12-Jan-2022) Introduced

arrangement with the ATO to defer recovery action. In the 2021 federal budget, it was announced that the

Passed

AAT will have power to pause or modify ATO debt recovery action until the underlying dispute is resolved.

Royal Assent

Debt recovery action includes garnishee notices and the recovery of general interest charges or related

Date of effect

penalties.

ACT COVID-19 stimulus package In its response to the COVID-19 lockdowns during the second half of 2021, the Australian Capital Territory (ACT) Government has implemented support grants for businesses. Grants of up to $20,000 are available to eligible small and medium businesses where turnover has declined by at least 30% over the lockdown period. These grants were subsequently extended in October 2021. Businesses do not need to re-apply as payments will be automatically paid. The federal government has also announced that these payments

Announced: 22-Mar-2020 Updated: 20-Jan-2022

received will be tax free. Landlords and commercial owner-occupiers may be eligible for new land tax relief in 2021.

SA COVID-19 stimulus and relief package Throughout the COVID-19 pandemic, the South Australian Government has implemented a range of stimulus payments for residents and businesses. In December 2021, density restrictions in place may have meant that your client has experienced a further decline in turnover.

•

These support measures include:

•

automatic payments for those also in receipt of the COVID-19 Tourism and Hospitality Support Grant

•

automatic payments for gym who qualified for the Additional COVID-19 Business Support Grant

•

one-off grants for other eligible businesses that experienced a reduction in turnover, and

•

new grants available for major events that are cancelled or postponed.

•

For previous measures that were in place in South Australia, refer to our state COVID-19 page.​

Announced: 26-Mar-2020 Updated: 21-Jan-2022

MARCH 2022 | FIND YARRA RANGES

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REALESTATE MARCH 2022

REALESTATE

FIND AUSTRALIA’S #1 PLACE FOR PROPERTY

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Yarra Ranges MARCH 2022

REALESTATE

Still Standing Art Exhibition Highlights Resilience Yarra Ranges Council is supporting a host of talented artists from Kapi Arts Inc in their latest exhibition, aptly called Still Standing, which focuses on building resilience and wellbeing following the June storm and COVID pandemic.

The Kalorama-based not-for-profit arts organisation is holding the exhibition at Kapi Art Space and includes 32 artists who have worked through their trauma from the past two years to create over 53 pieces of art.

Kapi Inc member, Gail Koehler experienced the storms first-hand and said that art has been a powerful tool for herself and Kapi Inc members to facilitate their recovery process.

“For me, I live in sassafras and after the storms the trees in my backyard, which I’ve lived with for over 20 years, became a threat rather than something of beauty,

but when I started painting them they transformed back into what I appreciated them for and put me in the right headspace,” she said.

Unlike previous exhibitions that Kapi Arts Inc have held, which focus on individual recovery experience, Gail said this exhibition speaks to many residents lives and is a testimony and legacy of the work of the people, that, despite the challenges still stand tall, create, and overcome.

“The creative and artistic works showcased in this exhibition will play a significant role for both artists and audience; it will make them share a common connection with the experience of lockdown and devastation, we do still stand in this together, everyone in our own way, but we are all connected.”

“We’ve all experienced the same things, and some have dealt with it in different ways, but we really hope this exhibition creates a shared space where people can talk and for people who aren’t necessarily artists to connect on common ground, so even though the art might not be their avenue the shared experience will be,” she said.

“That’s also where having the support of the Council has been really important as we can help some people connect with

support agencies through the Council’s contact sheets and recovery documents.”

Yara Ranges Mayor, Jim Child opened the event on Sunday, 6 March and said that art programs such as the exhibition at Kapi Art Space highlight the many benefits of the arts to personal and community wellbeing, particularly after a time of upheaval such as the June storm and COVID Pandemic.

“These creative projects in particular have been instrumental in allowing people within our communities to work through and deal with their trauma in a creative manner,” Cr Child said.

“From something so traumatic people have been able to develop new skills, build networks and connections while sharing their stories.”

This is one of several Art projects supported by Yarra Ranges Council.

The exhibition is running from 4-13 March at Kapi Art Space, 1282 Mount Dandenong Tourist Rd, Kalorama. *Photography by Fotografi Group

Melville

Quilliam/

Council News Challenge attitudes, help to break biases on International Women's Day Yarra Ranges Council is encouraging staff and community members to help break gender biases and stereotypes this International Women’s Day.

This commitment is supported by our obligations under the Gender Equality Act 2020 and through the vision set out in our Council Plan 2021-2025 and Health and Wellbeing Plan 2021-2025.

International Women’s Day, on 8 March, is a global day for celebrating the social, economic, cultural, and political advancements of women. The day also marks a call-to-action for accelerating gender equity.

All Council employees have a responsibility to promote gender equality through their attitudes, behaviours, and day-to-day work.

“I’d encourage everyone in the community to use this occasion to think about how they can better work towards gender equality – including challenging comments, stereotypes and attitudes that are derogatory or negative,” Cr Skelton said.

The theme for 2022 is Break the bias.

Yarra Ranges Council’s Deputy Mayor, Johanna Skelton, said that despite progress in recent years, gender biases and stereotypes were still widely present in society.

“International Women Day this year is all about forging gender equality and working towards a world free of bias, stereotypes and discrimination. Everyone in our community should be able to develop their abilities, interests, careers and live their lives without being limited by gender bias or stereotypes.

Yarra Ranges Council is committed to working toward a Yarra Ranges where women, men and gender diverse people have equitable access to resources, power, and opportunities.

Events to mark International Women’s Day

men, and gender diverse people and working to change them. We can all do this with ourselves and with the people in our lives.

My Body’s Story is an exhibition where 14 Yarra Ranges women celebrate the unique journey they’ve shared with their bodies, through photography, videography and empowering stories.

“There have been big wins in gender equality in recent years – increasing representation in politics and boards, including here at Council, means more women and people from diverse backgrounds are in spaces where decisions are made, which is a great thing,” she said.

The exhibition opened on Saturday, 5 March, at The Memo, Healesville, and will be on display until Sunday, 1 May

“But we’re still far away from equity, and some of the hardest biases to shift can be attitudes and expectations people have about how people are supposed to look, where they’re supposed to work, or how they’re supposed to act, based on outdated ideas about gender.

An online event will be held from noon1pm on Tuesday, 8 March, where some of the gaming industry’s top female game makers and thinkers will break down stereotypes and talk about how to positively impact gender equity, climate change, mental health and social justice.

“For example, we often make assumptions that women will be the primary caregivers in families or that men are the providers.

Many are still surprised to see women employed in certain industries including technology and construction.

“Part of breaking the biases that exist and moving towards gender equity is acknowledging rigid stereotypes,attitudes and ways of thinking about women,

Yarra Ranges Regional Museum is also hosting an ACMI touring exhibition, Code Breakers: Women in Games until Sunday 15 May

Deputy Mayor, Johanna Skelton

“Gender equality will not look like women and gender diverse people acting like men. It will look like freedom to live, work, love, and play in ways that aren’t limited by gender.

“I’ll assume we don’t need International Women’s Day anymore, when babies born, locally and across the world, are not expected to do anything in particular based on their assigned sex.”

The Memo in Healesville and the Arts Centre in Warburton will host sessions of I’m Wanita, a movie about Australia’s self-crowned Queen of Honky Tonk, on Tuesday, 8 March (at The Memo) and Tuesday, 15 March (at the Arts Centre).

Find out more about what Council is doing to work towards gender equity.

Find out more about these events here MARCH 2022 | FIND YARRA RANGES

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FIND YARRA RANGES | MARCH 2022

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Council to purchase 150 Cambridge Road, Kilsyth

Council has formally moved to purchase State Government-owned land at 150 Cambridge Road, Kilsyth, so it can continue to be used as community open space.

“It’s badly needed as extra open space for the town and I have no doubt that, with the improvements Council will make over time, this area will be much-appreciated and much-used by the community.”

On Tuesday, 8 March, Councillors unanimously voted to note the feedback they had received through community engagement, agree to the formal offer from the Department of Treasury and Finance to acquire the land and to investigate and progress the sale of four parcels of land to fund the purchase.

The State Government-owned land was once a part of the former Yarra Hills Secondary College site.

Walling Ward Councillor, Len Cox, said the Kilsyth region needed open space, and buying 150 Cambridge Road would keep the parcel in community hands.

“This land will become a focal point in the area of Kilsyth,” he said.

“With more and more backyards disappearing into housing, this kind of open space is crucial and will be needed more and more as years go by.

The State Government approached Council in 2015 to buy the land, however Council opted to negotiate a 20-year lease for the southern portion of the site, which Council currently uses and maintains, and also includes a dog offlead area.

Since then, the State Government has rezoned the northern, 3.6 hectares portion of this land to prepare it for sale.

The Kilsyth community then strongly advocated to Council to purchase this northern parcel of land to ensure that all land at 150 Cambridge Road would be kept as public open space.

This price for the land is a discount of 50 per cent the current market value of the land, and Council proposed to sell off four smaller, empty parcels of land in Kilsyth and Mooroolbark to fund the purchase of 150 Cambridge Road.

The four proposed parcels of land to be sold are: • • • •

182-184 Cambridge Road, Kilsyth 9A Wannan Court, Kilsyth 16 Ellis Court, Mooroolbark 9A Tinarra Court, Kilsyth

Council asked community members to provide feedback on the proposal, resulting in more than 6000 people visiting the webpage and 225 leaving feedback. 94 per cent of people leaving feedback were supportive of Council’s decision to purchase the land. About 85 per cent of participants were supportive of the funding method for the purchase (in selling the small parcels of land).

Tagged as:

Advocacy

Community Consultation

Council Announcements

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MARCH 2022 | FIND YARRA RANGES

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ANDREW FULLAGAR Elected Streeton Ward Councillor Andrew Fullagar has been elected as Yarra Ranges Council’s Streeton Ward Councillor, with the Victorian Electoral Commission (VEC) declaring the winner on Monday, 28 February.

After preferences were distributed, Cr Fullagar won the election with 5109 votes out of the 9283 recorded for the byelection.

Cr Fullagar has been involved in numerous community groups in his ward, including the Upwey Community Group, Township Group and Men’s Shed.

“I’m delighted to have been elected as Streeton Ward Councillor,” he said.

“I’m really passionate about our community, generally – I’m big on volunteering and particularly the issues in the hills, recently with the storms. I’m very keen to see if Council can give more help to those badly affected.”

“My goals for the next few years, importantly, will be to bring Council and the community closer together. If we involve community more in our decisionmaking process, we can achieve so much more together.”

“I look forward to welcoming Andrew to the Council chambers, hearing his views and welcoming him into the many conversations we have about policy, planning and community issues over the coming years.

“I’d love to acknowledge the other candidates – well done for putting yourselves out there. To the people of Streeton, I’m humbled by your support of me and I’ll do my very best to make sure Streeton gets a fair go.”

“Congratulations, election win.”

Yarra Ranges Mayor, Jim Child, congratulated Cr Fullagar on his election win.

“We saw a good range of candidates put their hand up for this byelection, which was hotly contested as preferences were distributed,” he said.

“I’m sure Cr Fullagar will be a fantastic community representative, as Cr BurnettWake was before him.

Andrew,

on

your

“I’d also like to thank our passionate community members who stood for this election, and for our community members for taking part in this byelection early in the year.”

The Streeton Ward byelection was triggered late last year, when Councillor Cathrine Burnett-Wake accepted a vacancy in the Eastern Victoria electorate of the Legislative Council.

For more information about the election, visit the Victorian Electoral Commisson’s website.

MARCH 2022 | FIND YARRA RANGES

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Are you Not-For-Profit in Yarra Ranges Area?

Advertise your events for FREE on the following pages.

Are you a NFP with an up-and-coming event? If so, email your event to info@findnetwork.com.au and we will place it in the paper for FREE.

Yarra Ranges

SUPPORT YOUR LOCAL NOT-FOR-PROFIT

Chirnside Park Shopping Centre has been servicing the community in outer eastern Melbourne since 1979. We offer our customers an extensive selection of stores, with a strong focus on convenient and value driven fresh food.

TERMS OF USE Welcome to Chirnside Park Shopping Centre’s Facebook Page – a great space for sharing with you information about Chirnside Park Shopping Centre and its retailers, and all the great things we have to offer.

It’s also a space where we welcome comments, discussions, ideas and feedback from you. We’d love to hear what’s on your mind and to ensure this is an enjoyable place for all, ask that your contributions be made in a constructive, respectful and polite manner. Posts or other content that is trolling, defamatory, a personal attack, threatening, harassing, harmful, abusive, discriminatory, unlawful, offensive, obscene, misleading or deceptive, fraudulent, spam, or any content that may breach intellectual property rights of another is not permitted.

Eat

Shop

LAPS FOR LIFE

Swim to save lives this March Chirnside Park and ReachOut are jumping right in to support youth mental health.

1 in 4 young people in Australia is currently experiencing a mental health difficulty, with 70% of those who need help not recieving it.

The GPT Group partners with ReachOut – a digital mental health service designed by experts to connect young people to the conversations and communities they need to be well and stay well. ReachOut ensures young people have access to information, advice and support that meets their needs when and where they need it.

Who does it benefit?

Every dollar raised helps ReachOut support young people experiencing mental health difficulties. But just taking part and swimming regularly will have a positive effect on your own physical and mental wellbeing.

Who is ReachOut? Reachout is a free online mental health service dedicated to young people. Last year, ReachOut provided support to more than 3.6 million people. ReachOut helps young people get well, be well and stay well, provides connection and shared stories through peer support, and builds confidence to seek professional help, if needed.

In March, the annual Laps for Life Swim event is taking place from the 1 - 31 March.

Challenge yourself, or stay in your comfort lane – either way, you’ll be swimming to save lives!

Visit www.lapsforlife.com.au to find out more.

FAQ What is Laps for Life?

Laps for Life is ReachOut’s annual fundraising swim event. It’s held every March and it’s open to everyone.

How does it work?

When you sign up to Laps for Life you’re committing to jumping in the pool throughout the month of March and swimming to save lives. You don’t have to swim fast. Or far. You just have to swim. You can sign up as an individual or as a team with your family, friends and co-workers.

Hey, I'm running late. Can I still join?

For sure. You can challenge yourself anytime throughout March.

MARCH 2022 | FIND YARRA RANGES

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RETIREMENT

LIFESTYLE

ACCOMMODATION

RETIREMENT ADVICE

RETIREMENT We will look after your financial affairs so you can enjoy your retirement.

WHO WE ARE

WHERE WE WORK

Find Retirement is a part of the Find Group of companies offering Retirement Planning, Accounting, Super, and Insurance service to our clients.

We service clients throughout Melbourne, Bendigo and Geelong and surrounding areas. With access to the internet it does not matter where you live.

WHAT WE DO We don’t sell proucts but provide simple retirement planning solutions.

Bendigo | Geelong | Melbourne

info@findretirement.com.au

Mon - Fri: 9am - 5:30pm

www.findretirement.com.au

1300 88 38 30

Sat: 10am -1pm

Sun: CLOSED

This information is of a general nature only and has been prepared without taking into account your particular financial needs, circumstances and objectives. While every effort has been made to ensure the accuracy of the information, it is not guaranteed. You should obtain professional advice before acting on the information contained in this publication. Superannuation, tax and Centrelink and other relevant information is based on our interpretation and continuation of law current as at the date of this document. The information contained in this document does not constitute legal or tax advice. You should seek expert advice in this regard. Warren Strybosch, Find Wealth Pty Limited ABN 20 140 585 075 trading as Find Retirement, Corporate Authorised Representative No. 236815 of ClearView Financial Advice Pty Ltd ABN 89 133 593 012, AFSL No. 331367.

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MARCH 2022 | FIND YARRA RANGES

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Submit to

LIMERICK COMPETITION RETIREMENT

By Bernard Kelly MBA

Limericks are nonsense poems that take their name from nonsense poetry that originated in – yes, you’re right - Limerick, Ireland.

And now, as a senior, you will recall how limericks revitalized those (otherwise boring) long car trips when you were a child. This competition enables you to revisit those childhood memories.

Limericks are five line poems with a strict meter, and as they are easy to construct, they have been frequently written for children.

Their simplicity and singalong rhythm have also made it easy for drunkards in pubs to write rhyming slang, frequently with sexual content.

Which has enabled this art form to persist down through the ages.

They went into literature when Edmund Lear published a collection titled “A Book of Nonsense” in 1846. It’s never been out of print ever since. Here’s an example of his work:

“A delighted incredulous bride

There are many hobbies, past-times and interests that are available to seniors “Said to the groom at her side during daylight hours (for example you would develop new friendships when “I never would have believed you join a charity that prepares meals “Until right now dear sir for the homeless). Then on weekends “How our anatomies would so coincide.” you could assist as a volunteer in a project where everyone else is still in the And here’s another example of how workforce – I’m thinking of an outdoors miniature railway society. easy limericks are to construct: “Here’s true history from the crew, “We found a mouse in the stew, “Said the waiter, don’t shout, “And wave it about, “Or the rest will be wanting one, too.”

There are many hobbies, past-times and interests that are available to seniors during daylight hours (for example you would develop new friendships when you join a charity that prepares meals for the homeless). Then on weekends you could assist as a volunteer in a project where everyone else is still in the workforce – I’m thinking of an outdoors miniature railway society.

Then of course, writing limericks is there for your evenings.

Then of course, writing limericks is there for your evenings.

Submit your competition entry to bernardkellygeelong@gmail.com and feel free to ask about the prize pool.

And of course, if you want to further develop your skills as a member of the limerick community, you will be able to find a supporting writers’ group at your local neighbourhood house, Bernard Kelly MBA writes on retirement lifestyle issues. His email is bernardkellygeelong@gmail.com

BERNARD KELLY Bernard Kelly is a (volunteer) retirement success coach MARCH 2022 | FIND YARRA RANGES

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FIND YARRA RANGES | MARCH 2022

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The Downsizer Contribution – an easy way to get money into super FINANCIAL PLANNING

By Warren Strybosch

The Downsizer Contribution – an easy way to get money into super If you have reached the eligible age, you may be able to contribute up to $300,000 from the proceeds of the sale (or part sale) of your home into your superannuation fund.

90 days of receiving the proceeds from the sale of your home to your respective super fund. Generally, this would mean 90 days from settlement.

You can make multiple contributions from the sale of the primary residence, provided they do not total more than $300,000 each.

From 1 July 2022 the eligible age is 60 years old or older. Prior to this it is 65 years old or older.

Downsizer contributions form part of your tax-free component within superannuation and will be taken into account for determining eligibility for the Age Pension (whereas the value in the main residence is exempt).

According to the ATO, this downsizer contribution is not a non-concessional contribution and will not count towards contributions caps. The downsizer contribution can still be made even if the contributor has a total superannuation balance (TSB) greater than $1.7 million.

You do not have to have lived in the home for the entire ownership period. So long as you are claiming at least a partial exemption from capital gains tax [CGT] under the main residence exemption, your property meets the main residence criteria for a downsizer contribution.

Important points to note:

•

The home must in Australia, have been owned by you or our spouse for at least 10 years and the disposal must be exempt or partially exempt from capital gains tax (CGT)

•

You have not previously made a downsizer contribution to your super from the sale of another home or from the part sale of your home.

•

Prior to (or at the same time) as making your contribution you must provide your fund with the ‘Downsizer contributions into super form.’

•

A downsizer contribution will not affect the TSB until this is recalculated to include all contributions, including downsizer contributions, on 30 June at the end of the financial year.

•

The downsizer contribution will count towards the transfer balance cap, currently set at $1.7 million. This cap applies when superannuation savings are moved into retirement phase. Downsizing contributions can only be made for the sale of one home and cannot be accessed again for the sale of a second home.

•

Downsizer contributions are not tax deductible and will be taken into account in determining eligibility for the Age Pension.

•

If the contributor sells their home, is eligible and chooses to make a downsizer contribution, there is no requirement to purchase another home.

Source: ATO. Timing is key

9 tips to consider

One of the key areas to note is timing when considering this strategy. You must make the downsizer contribution within

Tip 1 — Date of contract of sale Be aware of the date your client entered into the contract of sale to sell their home.

A downsizer contribution is only available where the contract of sale for an eligible property was entered into on or after 1 July 2018.

Tip 2 — 10-year ownership interest You must have held an ownership interest in the home being sold at all times during the 10-year period prior to the sale.

Tip 3 — Age-based considerations An individual must be aged 60 years or older when they make a downsizer contribution to superannuation.

Interestingly, there is no upper age limit, so a downsizer contribution may be available to an individual well over the age of 65 who never had the opportunity to contribute to superannuation.

Usually, any contribution to superannuation made on or after an individual’s 65th birthday requires the work test to have been met. However, a downsizer contribution can be made irrespective of an eligible individual’s work status.

Tip 4 — Contribution amounts The amount you can contribute is limited to the lesser of $300,000, or the total capital proceeds you receive from the sale of your interest in the home. If you are a couple with joint ownership in the home, then you would be eligible to each contribute up to $300,000, resulting in a total downsizer contribution of $600,000.

Tip 5 — Contribution timing Eligible individuals must make a downsizer contribution within 90 days of the change of ownership on the eligible property. In most cases, this will be 90 days from the date of settlement, unless an extension has been granted.

You can make multiple contributions from the sale proceeds of the one eligible home within the 90-day eligibility period, so long as the total contributions do not exceed the lesser of $300,000, or the total capital proceeds received from the sale of your interest in the property.

Tip 6 — Downsizer contribution form The contribution needs to be accompanied by the downsizer contribution into superannuation form either when making, or prior to making the contribution to superannuation.

Tip 7 — Age Pension entitlements Age pensioners need to carefully consider how a downsizer contribution may impact their Age Pension entitlement.

While the value of an individual’s home is means test exempt, the value of their

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superannuation interests, both in accumulation and pension phase, are means tested when determining eligibility for the Age Pension.

Eligible age pensioners may find a downsizer contribution indirectly impacts their Age Pension entitlement, however any additional amount they now have in superannuation as a result of the contribution could be used to further support their retirement income needs.

Tip 8 — Estate planning perspective A downsizer contribution is a new type of after-tax contribution to superannuation and, therefore, will not count toward an individual’s non-concessional contribution cap.

Any amount contributed will form part of the individual’s tax-free component. From an estate planning perspective, the taxfree component would not attract tax if a death benefit lump sum was paid to nontax dependants such as independent adult children.

Tip 9 — Transfer balance caps While an individual’s TSB can limit their ability to make certain additional contributions, most notably nonconcessional contributions, eligibility to make a downsizer contribution is not impacted by their TSB. However, an individual continues to be restricted to only moving a maximum of $1.7 million to retirement phase under the transfer balance cap (TBC). Should your client have already fully utilised their TBC, any additional contribution to superannuation under the downsizer measure would remain in accumulation phase.

Extension of time In some circumstances, contributors might be able to request a longer period for making a downsizer contribution, for instance, when a delay has been caused by factors outside their control.

However, an extension of time will not be granted to allow an individual to meet the age requirement.

According to the ATO, an extension of time should be requested before the 90-day period from the date of settlement has expired. If a contributor has overlooked the 90-day timeframe, an extension of time may still be granted due to, but not limited, to: • • •

ill health death in the family moving house.

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ATO example of an extension being granted Ben, aged 77, decides to sell his family home of 15 years.

Settlement occurs on 1 August 2018.

He purchases a new home in a retirement village, which is due to settle on 1 October 2018.

The retirement village has only just been built, and Ben’s settlement is delayed until 1 December 2018 while final council approvals are obtained. Ben does not want to contribute funds from the sale to his superannuation until after the settlement of his new property to ensure he has enough money to purchase and move into the property.

Upon his request, the ATO gives Ben an extension of time to contribute until 1 February 2019. This extension allows Ben enough time to settle on the new property and make a contribution of the remaining money from his sale. Ben can afford to contribute $200,000 to his superannuation fund after the sale and makes this on 25 January 2019.

Source: ATO.

Conclusion The benefit of the downsizer strategy is that there is no requirement to meet a work test to make this contribution. This is beneficial for clients aged between 60 and 74, but it is even more appealing for clients aged at least 75 who may still wish to contribute to their superannuation – whether they are still working or not.

Not only is this a great advantage of the downsizer strategy, but so is the fact that it does not matter how much a client already has in superannuation. The total superannuation balance threshold of $1.7 million that would normally preclude an individual from being able to make further non-concessional contributions does not apply for downsizer contributions.

For the full eligibility criteria and other details find out more at Downsizer contributions for individuals.

Downsizer Contributions Question 2: In-specie transfer of assets for downsizer contribution

29

My client wishes to make a $300,000 downsizer contribution to super and would like to make this contribution via an in-specie transfer of personally owned shares. Is this possible?

Answer: Yes. A client can make a downsizer contribution as an in-specie transfer of assets, provided the value of the transfer does not exceed $300,000 or the total capital proceeds received for the property sale.

The ATO have confirmed this in LCR 2018/9 and provide the following example on their website: Alisha has a portfolio of listed shares worth $150,000. She sells her home for $500,000. As Alisha meets all the other requirements, she can make a downsizer contribution of up to a maximum of $300,000 using a combination of her shares and cash.

Remember, the downsizer contribution must be made within 90 days of receiving the sale proceeds and any transfer of shares from individual ownership to super will trigger a CGT event and capital gains tax implications may apply.

This information is current as at January 2022.

This article is intended to provide general information only and has been prepared without taking into account any particular person’s objectives, financial situation or needs (‘circumstances’). Before acting on such information, you should consider its appropriateness, taking into account your circumstances and obtain your own independent financial, legal or tax advice. You should read the relevant Product Disclosure Statement (PDS) before making any decision about a product. While all care has been taken to ensure the information is accurate and reliable, to the maximum extent the law permits, Alliance Wealth and its related bodies corporate, or each of their directors, officers, employees, contractors or agents, will not assume liability to any person for any error or omission in this material however caused, nor be responsible for any loss or damage suffered, sustained or incurred by any person who either does, or omits to do, anything in reliance on the information contained herein.

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