
With 26 years of experience and a results-driven reputation, Stacey Arlott has firmly established herself as one of Queensland’s most accomplished real estate professionals. She is widely recognised, receiving great industry acclaim, but prides herself most on the trust she has garnered from the community she serves in Mackay. In 2021 Stacey reached a huge milestone in her career, being declared the number one agent in Australia by Real Estate Business’s dealmaker ranking - the first in Mackay to receive such an accolade. The win occurred during a volatile time for the market, with COVID-19 challenges failing to knock Stacey off-course. What sets Stacey apart is not only her consistent sales performance, but also her disciplined work ethic and ability to foster long-term client relationships. Her career is marked by a series of accolades, including the REMAX Lifetime Achievement Award (2024) and induction into the REMAX Hall of Fame (2020). From 2022 to 2025, she has consistently ranked among the Top 10 agents in Queensland and Top 20 nationally - an indication of her ongoing push for excellence in a dynamic and demanding market. Beyond industry recognition, Stacy’s success is strongly validated by client feedback. She has earned multiple “Agent of the Year” titles through RateMyAgent, including four consecutive wins for East Mackay (2021–2024) and the broader Mackay region in 2023. These consistently high ratings across major platforms reflect a reputation built on transparency, communication, and results. Having previously owned and operated her own agency and served as REIQ Zone Chairperson, Stacey does more than transactional sales. She brings a comprehensive understanding of the real estate landscape, from regulatory frameworks to market strategy; a depth of knowledge that allows her to guide clients with confidence through every stage of the buying and selling process. Known for her approachable style, Stacey’s secret to success is communication. She prioritises keeping clients informed to ensure they feel supported throughout their property journey. Her business is driven by referrals and repeat clients, a testament to the trust she builds and the outcomes she delivers. remax.com.au/select/stacey-arlott CAPTION: Stacey Arlott, Property Consultant at RE/MAX Select Mackay. Photo source: RE/MAX Select Mackay
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I was among the Mackay real estate agents who received calls from buyers agents from southern capitals last week saying they had investors who were more interested than ever in securing a property in this town. That is not to say that investors around the country are not spooked and considering their options after the Federal Budget announcement that negative gearing would no longer be available for new investments other than brand new builds. There will be plenty who will be watching the impact of the removal of negative gearing and it remains to be seen what happens with property prices both in Mackay and in the nation generally. Someone told me the other day that they didn’t understand exactly what negative gearing is, which is fair enough because not everyone lives in my world of property prices, rental yields, capital gains and tax benefits. So for those who are unsure, the basic meaning of negative gearing is that an investor can claim the losses they make on a property on their personal tax. So if an investor has a property that gives them a rental return after costs of $600 a week but their mortgage is $800 a week, they are able to claim the $200 a week loss as a reduction from their personal tax payments. A lot of people are suggesting that the removal of negative gearing will have the biggest impact in Sydney because the cost of housing is high and rentals do not typically cover the mortgage if someone had a 20 per cent deposit on the property they had bought. The rent on a $2m Sydney property does not go anywhere near covering the mortgage so being able to claim the loss as a reduction on your PAYE tax is the only way most investors can do it. Investors who had an investment property prior to this month’s Federal Budget will be able to continue to negatively gear their property but anyone who buys after Budget night will not be able to unless they are building a new home. The impact in Sydney was immediate, with an auction clearance rate of under 50 per cent last weekend. Sydney is an auction town so the results send a clear message that investors there are spooked and possibly no longer see the value in buying an investment property at current prices and with current rental returns. The impact on prices in Sydney, and around the country, will be the big real estate story this year. As I said in my column last week, there is a theory – completely untested and not to be taken as gospel until the facts emerge – that the removal of negative gearing will not have a huge impact in Mackay because house prices are lower than in southern capitals and rental yields are much better. Investors with a decent deposit on a property don’t need negative gearing because rental returns cover the mortgage; so their properties are actually positively geared. Will this make Mackay an attractive place for southern investors looking for an investment that doesn’t run at a loss? We’ll have to wait and see. It is interesting to note what has happened to real estate prices in New Zealand in the years since the government there made changes to negative gearing; prices have dropped by 30 per cent (adjusted to inflation) since their peak about five years ago. Other factors play into that: there has been a reduction in immigration and Kiwis prefer to live in Australia than in New Zealand (only joking!) but there is no doubt that the removal of negative gearing has had an impact. With fewer investment properties coming onto Australian markets, we can expect to see fewer rental properties which, in a world of demand and supply, could push rental prices up. And young people looking for an investment will not be able to claim the negative gearing that older Australians could access. It’s a nuanced world.
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@Pilates 24/7 Mackay is a boutique reformer Pilates studio built around flexibility, recovery and real life. As Mackay’s first 24/7 Pilates studio, members can train any time, with no timetables. The studio runs on a hybrid model combining on demand classes with in studio support during staffed hours. Using noise cancelling headphones, members follow sessions from a platform offering more than 500 classes, choosing their own pace, level and style. Programs cater to all levels, including pregnancy and post-natal, with a focus on strength, mobility and safe progression. Memberships include reformer Pilates, infrared sauna and red-light therapy, creating a complete wellness experience in one space. New clients can get started with our '10 days for $45' intro offer, with memberships starting from only $39 per week. With premium reformers and full flexibility, @Pilates 24/7 Mackay makes consistency simple. You lead. Our platform follows. Only @pilates
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Dr Maddilyn Brown is the passionate Owner and Founder of The Nurture Haus, where she specialises as an Advanced Paediatric Chiropractor dedicated to supporting women, babies and children through every stage of life. A proud Mackay local, Maddilyn completed both school and university in the region before spending several years living and working in Brisbane, Dysart and Emerald, eventually making her way home after seven years away. Her journey into chiropractic began following a gymnastics injury as a teenager, sparking a passion that would shape her entire career. Since then, Maddilyn has devoted herself to extensive postgraduate study in paediatrics, pregnancy, postpartum care and women’s health, completing a postgraduate diplomat in 2025 while continuing further study in women’s health. Since 2023, she has worked exclusively with women and children. Outside of work, Maddilyn describes herself as “animated, nerdy and unflappable”. When she’s not studying or caring for patients, she enjoys weightlifting, walking her beloved American Staffy x French Mastiff, Askari, and spending time with her partner Josh after recently ending two years of long distance. An ex-gymnast with an adventurous streak, Maddilyn also once flew planes before relocating to Central Queensland and enjoys aerial silks in her spare time. Her happiest life moment? Witnessing the Northern Lights in Alaska — a lifelong bucket-list dream she says was the most remarkable thing she has ever seen. CAPTION: Dr Maddilyn Brown has dedicated her career to paediatric and women’s health chiropractic care, supporting Mackay families through The Nurture Haus. Photo supplied
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Married at First Sight Australia Season 11 couple Eden and Jayden checked into Airlie Beach, for their Episode 3 honeymoon.
The Australian branch of the Show, Married at First Sight follows a number of strangers from across Australia who participate in a social experiment and are paired together by ‘love’ experts.
While the participants are not legally married for the television show, the stars complete an unofficial commitment ceremony, enjoy a luxurious honeymoon, live together for a time, and at the end of each week, enter a commitment ceremony to declare if they will stay together or leave the experiment.
First airing in 2015, over 100 couples have been paired together, however only about 10 couples have managed to keep the spark and remain together following the conclusion of their season.
Season 11 couple, Eden and Jayden join a short list of couples who have honeymooned in the Whitsundays with Married at First Sight, following their unofficial commitment ceremony, staying at Club Wyndham in Airlie Beach.
Eden is a 28-year-old Gold Coast based recruitment manager, who has been single for three years, following her previous partner cheating on her with her best friend. Now deciding to put her trust in the experts, she is looking for a partner who is ambitious, generous, and loyal.
Jayden is a 26-year-old Queensland kickboxer, who is used to keeping people at arm’s length, and is looking for a partner who is fit, ambitious and independent.
Eden and Jayden, staying at Club Wyndham. Photo supplied

With the election race heating up, Mayoral Candidates are looking for every opportunity to engage with the community and The Whitsunday Conservation Council (WCC) are hosting a special event which is open to the public.
The Mayoral Candidate Forum is due to take place on 28 February, 6:30 pm start at the Reef Gateway Hotel in Cannonvale.
It is a free forum and everyone is welcome.
The forum theme is Sustainability and Liveability in the Whitsundays.
“As a Great Barrier Reef destination, the Whitsundays is second to none. But as tourism grows, so does the community. This growth is putting pressure on what we love most about the region, our natural environment,” said Tony Fontes from the Whitsunday Conservation Council.
“Our Council plays a key role in promoting sustainability and liveability in the Whitsundays. It is important that our elected officials recognise and fulfil their role. At the forum you will hear the candidates for mayor explain their vision and leadership for our region.”
WCC is a community group operated by volunteers, with a supporter base of over 1,500 individuals. WCC works closely with Whitsunday Regional Council, advising on environmental issues and recently won their Environmental Achievement Australia Day Award.
The community is welcome to submit questions for the candidates through WCC. Simply email them to forum@whitsundayconservation.org.au by midday, Tuesday, 27 February.
Doors at the Reef Gateway Hotel conference room will open at 6:00 pm for a 6:30 pm start.

Please share with us one personal experience during your campaign trail so far that has really reinforced the reason you are running for council?
Richard Evans
Mayoral Candidate
It's the moments of truth with residents throughout the Whitsundays that drive home a common frustration: the perceived lack of effective engagement and responsiveness from our Council. This sentiment echoes across regions and towns, signalling a clear need for change. We can either do more of the same, keeping the status quo or vote for change. I want to bring the Whitsundays Pride back, fostering a culture of leadership, unity and integrity. My integrity statement is on my website: richard4mayor.com.
Ry Collins
Mayoral Candidate
During the last week I’ve had a number of meetings including two of similar focus, one with a Bowen resident and another with a local hospitality business who expressed a strong desire for a council that genuinely values community engagement, delivers a strong plan, and lives by its public commitments and code. Their passion on these issues was inspiring and underscored the community’s craving for transparency, accountability, and a council committed to embedding customer service at the heart of its values and organisational culture.
Peter Hood
Mayoral Candidate
Peter Hood and Phil Batty are the only two candidates that have been threatened with legal action from the Whitsunday Regional Council for getting too close to the truth, just like they did with Mr Allan Dufty when they labelled him a serial pest back in 2011. Allan is loved by the community. We are not going away; we will not be silenced, and I think the recent behaviour of the Whitsunday Chamber of Commerce and Industry has been disgusting.
Phil Batty
Mayoral Candidate
I approached a member of the public to tell him I was standing for Mayor and hand him a flyer. Immediately he reached for his phone, opened it, and showed me the screen from his notes. It said “Mayor Philip Batty”, he went on to say he read up and researched the profiles of all the candidates the night before and his take from that was Philip Batty Mayor. This was before seeing the flyer and a little more about my story and who I am.
Tony Price
Division 2 Councillor Candidate
Housing and accommodation are an issue mentioned all the time. There is a chronic shortage of 5–6-star accommodation all the way down to accommodation for staff and employees. Housing is too expensive so the Council as a matter of priority must look at ways to bring units, hotels, houses, and other forms of accommodation onto the market immediately. Maybe it’s a cultural shift whereby lots and houses are smaller or bigger densities used. This affects our ability grow and prosper as a region.
Clay Bauman
Division 2 Councillor Candidate
I'm encouraged by the support for my campaign, evidenced by the abundant “VOTE CLAY” signs in Division 2. All placed in accordance with Council’s guidelines at private properties with the owners' consent. This overwhelming support and other community feedback of appreciation for my council representation fuels my commitment to remain our voice in Council. It's heartening to see my efforts recognised collectively, motivating me to continue working towards our shared vision for the community's vibrancy, strength, and safety.
John Finlay
Division 6 Councillor Candidate
The experience of the overwhelming support of the community for my candidacy has really reinforced my desire to be Councillor.

The Cannonvale Police Station is welcoming its newest recruit, First Year Constable Zac Richters-Nielsen, who joined the team last week.
Relocating from Brisbane, Zac’s professional background was in banking before he decided to make a career change and join the police force.
“I have always wanted to be a police officer since I was a little kid,” Zac explained.
Zac has started his new position at Cannonvale Police Station and says he is eager to get on the ground.
“I bring a readiness and eagerness to learn,” he shared.
“I am excited to experience what policing in the Whitsundays has to offer.”
During his training, Zac most enjoyed working alongside other recruits.
“My favourite aspects of training would be the other recruits, working closely alongside likeminded people made the experience very enjoyable.
Being pushed outside my comfort zone and building on my own capabilities and skill set was equally as rewarding.”
Since relocating to the Whitsundays, Zac has most enjoyed venturing to the beaches, something very different from Brisbane.
In his spare time he enjoys going to the beach and being social with mates.
Whitsunday’s newest Police Officer is second from the left, with three other new first year constables and State Member for Mackay, Julieanne Gilbert. Photo supplied

Terms 3 and 4 intakes of PCYC Whitsunday’s Get Set For Work Program have unveiled a refurbished dresser which has been brought back to life and is available for sale at the Whitsunday Neighbourhood Centre’s Furniture Shop.
Get Set For Work program coordinator Scott Lynch said he was looking for a project to complete with participates during the term, when the idea of renovating and refurbishing a piece of furniture came to mind.
“The Whitsunday Neighbourhood Centre generously donated us the dresser, which had been donated to them, and all together, we sanded, painted and refinished it,” Scott explained.
Rebecca Woods, the Executive Officer of Whitsunday Neighbourhood Centre welcomed the project, saying “All of us community organisations collaborate often, so this wasn’t the first time, nor will it be the last time that we all work together.”
“This is something that makes our town different, this collaboration, and it happens a lot more than people realise. Being a small town, we all rely on each other and network with each other,” Rebecca said.
The program participants worked with guidance from the Men’s Shed in Cannonvale, under the watchful eye of President Don McDonald.
“Scott rang us and told us he had some boys who wanted to get some hands-on experience and they were great,” Don explained.
“There’s was quite a bit of work to be done on the dresser, and we showed them how to do it, and then left it to them. The boys didn’t work quick, but it’s come out great.”
And Bunnings Airlie Beach generously donated the necessary products and treatments.
“Bunnings have a strong commitment to giving back to communities,” explained Kaci, the Bunnings Airlie Beach Activities Organiser.
“We’ve worked with PCYC and the Whitsunday Neighbourhood Centre before and we are always excited to get on board.”
The dresser was officially handed back over to the Whitsunday Neighbourhood Centre to be placed for sale in the Furniture Centre, ready for a new home.
“We wanted to do something to give back to the community,” Scott explained.
“It gave our participants something constructive to do, something great to complete and great skills to achieve. And now a number of this term’s participants have gone into trades, stemming from the skills they learned over this project.”
1. The dresser before the Get Set For Work team refurbishment. Photo supplied
2. The completed dresser handed over to the Whitsunday Neighbourhood Centre. Photo: Bronte Hodge

Completely student led and student run, Proserpine State High School’s Seagrass Theatre and Music Company is gearing up for their 2024 production, reaching for new heights of performance, choreography, vocals, and costuming.
With over 90 students involved, including on stage, backstage, technical, front of house, and in the orchestra, the Seagrass Theatre and Music Company will be performing the inspiring ‘Joseph and the Amazing Technicolour Dreamcoat’.
Established in 2021, Seagrass allows students to explore the whole theatre experience, and provides them with the opportunity to be in a production outside of the bi-annual whole-school musicals.
“Our passion for the theatre really led Seagrass to what it is today,” explained Year 11 student Allegra Bradley, the productions Head of Promotions, as well as one of the show’s narrators.
Telling the story of Joseph from The Book of Genesis, ‘Joseph and the Amazing Technicolour Dreamcoat’ follows Joseph, who is betrayed by his brothers and sold into slavery. Created by Andrew Lloyd-Webber and Tim Rice, this is a must-see rock opera.
Year 10 student Wiremu Tairaki reprises his position as a minor role with a big character, coming on stage as the Pharaoh. This is his second school-based production, having performed on the school theatre stage initially with 2023’s production ‘Sweet Charity’.
“Theatre is something I am passionate about,” he explained.
Year 11 student Arwen Edwards-Bland returns to the stage with multiple roles in this production, often with 30-second quick changes and enigmatic characters. However, her biggest passion is choreography, having choreographed three of the dances for ‘Joseph and the Amazing Technicolour Dreamcoat’, and teaching them to the cast.
In fact, Arwen’s future prospects involve moving into musical theatre, before opening her own dance studio and dance school.
“It’s always been a dream of mine,” Arwen explained. “Dancing is a passion of mine, and I really want to teach dance.”
With her natural talent for choreographing, Arwen is excited to take to the stage and showcase her skills to a packed audience.
Year 11 student Hayden Hudak comes on stage as Reuben, one of Joseph’s 11 brothers.
For Hayden, this production really excites him, as his passion aligns highly with the stage.
“I have been involved with Seagrass since its inception and have always been helping put together shows and helping at every single rehearsal,” he explained.
Hayden said he was looking to pursue theatre as a profession following secondary school, wishing to get onto Broadway.
Not surprisingly, Hayden’s childhood is closely tied with musical theatre, having been born in New York City, and spending time at the theatre with his parents. Hayden is well known amongst the cast and crew for his tips and tricks for the stage, and for always being a helping hand.
“We wish to thank Mr McDermid, Mrs Napier and all the teachers and staff who have assisted and mentored our students withing Seagrass,” Allegra explained.
Allowing equal opportunity for all students with varying interests, the Seagrass rehearses and performs from the purpose-built Performing Arts Centre at Proserpine State High School.
“It’s amazing how everyone gets behind us and supports us.”
‘Joseph and the Amazing Technicolour Dreamcoat’ performances will be April 18 to 20, with three evening shows and one matinee on Saturday.
Tickets are going on sale in the upcoming fortnight. Keep updated via the Proserpine State High School Facebook page and website for more information.
Some of the Seagrass Theatre cast, ready for the ‘Joseph and the Amazing Technicolour Dreamcoat’. Photo credit: Bronte Hodge

Around town, Jaime Sparke is a notable figure, a much loved local and dedicated music fan, whose influence and impact is felt within the waves of the beats in the street.
He has become a regular face on the Airlie Beach Main Street, having moved to the region over 10 years ago, the temperature and climate agreeing with him and his active lifestyle, with many a local recognising him and his furry friend, Rocco.
Jaime’s diagnosis of cerebral palsy has not hindered his passion for life, with his active lifestyle including his job with the Airlie Beach Hotel in Band Promotions, his love for the beach and being outdoors, and spending time with his Rocco.
However, his primary mode of transport, a 20-year-old Honda Jazz, has outgrown its appropriateness, no longer supporting his needs, or catering to his lifestyle.
“The car isn’t entirely accessible,” explained Ben, a member of Jaime’s support family.
“Every time we use the car, we damage a part of Jaime’s wheelchair, and the car. And having Rocko riding on Jaime’s lap is cute, but not ideal.
“For the safety aspect, we would prefer something with a bit more space, something easier for Jaime to get into, and that we’re not damaging his chair too much.”
The NDIS specify they will only make the necessary modifications to a brand-new vehicle, something which Jaime and his family is unable to financially afford at this time.
With this in mind, Jaime has decided to crowd fund his way to a new car, hoping that people will support his desire for comfort and freedom which, in turn will enable him to give back more to the community he loves.
Primarily communicating through sign language, Ben translated for Jaime, explaining that Jaime is looking forward to riding shotgun in the new car, as well as sleeping in the car comfortably when travelling around
“Jaime is also excited to go on more road trips,” Ben translated.
“On our last road trip, he got a lasting piece of memorabilia, a tattoo of Rocko that he just loves.”
Having a new vehicle will provide freedom and comfort to Jaime.
“Jaime’s a bit of a local celebrity, and we all appreciate the people who have donated to the cause,” Ben explained.
To donate to Jaime’s new ride, please scan the QR Code here.
1. Jaime Sparke with Rocco riding shotgun
2. Jaime and Rocco at work at the Airlie Beach Hotel

Last month I confessed to my dislike for setting goals – this month I’m professing my love for feedback!
And not just positive feedback – feedback which, when phrased the right way, is constructive, motivating and provides a clear pathway to creating tangible positive outcomes.
Negative, positive, constructive, and those hideous 360s – all feedback can be fraught with danger if it doesn’t land the right way and can result in further discord in the workplace than previous. Here’s some simple rules in providing constructive feedback to help you navigate your way to successfully build engagement, trust and growth.
1. It’s about the behaviour – not the person. Discuss feedback objectively rather than create a personal attack on a team-mate. i.e. “You’re always late” vs “Do you think your Ops Manager role could be ready to roll by 8am each morning? If so, what’s stopping this from occurring?” The second scenario creates a safe entity to discuss further rather than having to defend your actions (which may occur in the first scenario).
2. Feedback is a dialogue – not a directive. This means you are entering into a two-way discussion where you need to invite them to contribute to the discussion. If you simply give feedback and end the discussion you have only posited your point of view. This can alienate many people and create resentment if they have not been given a space for their perspective and to be heard.
3. Listening creates space to learn – so learn to listen rather than continually provide your perspective.
4. Create trust in workplace relationships – to be open to critical feedback we need to trust the person has our best interest at heart
5. How often do you ask for feedback on your own performance? Not only will you gain insights into how others perceive you, you will undoubtably find new areas to grow in.
6. Positive effort should praise effort as well as ability – some people may never kick the goals you set out for them but should still be recognised for the amount of effort they put in to the job at hand.
7. Strong workplace relationships are built on a culture of honest, respectful feedback
8. And lastly, everyone loves receiving positive feedback, but many just forget to give it ... don’t be that person.

Holy cow – blink and it is the end of February! 2024 is charging ahead! Have you settled in and hitting your stride? Or are you still trying to get a handle on the year?
An essential quality for everyone in business is endurance – from starting a new business, having big goals to achieve, or just your to do list. Endurance in businesses means owners, operators, and their teams have the willingness to stick it out and the ability to work through challenges productively. Like any endurance athlete, businesses need to work on their strengths, fitness, and resilience to be the best and on top of their game. Looking after you and your team’s physical and psychological health is a great starting point for endurance building. While the year might be moving quickly for some, we have many months ahead.
Just in case you missed it, the Whitsunday Regional Council election campaign is on.
The Chamber congratulates all Mayoral and Councillor candidates for stepping forward and their commitment to serving our community. As in the past, the Chamber will once again provide our members the opportunity to meet the mayoral candidates to explore specific issues relating to business, industry, and economic development. Event details are available on our website. This will be a member only event – focussed on business and economic issues specifically relating to local business and industry.
Post-election, the Chamber looks forward to briefing our newly elected representatives on our Ten Point Advocacy Plan. The purpose of the Chamber’s advocacy plan is to reflect and clearly articulate the major issues of shared aspiration and concern for the Whitsunday business community as a way of influencing decisions across all levels of government.
With Allan Milostic, President, Whitsunday Chamber of Commerce & Industry

By Paul Gellatly
At last week’s Bowen Chamber of Commerce meeting, Sean Brown, CEO of Bowen Pipeline Company, outlined his vision for a $600 million, 115km pipeline from the Burdekin to Bowen, using on-site extracted HDPE plastic pipeline yielding a 45 per cent cost saving and a five-million km reduction in B-double truck movements.
The pipe is to be extruded in 100m lengths and laid in a cutting that follows an old stock route for much of the way, which will simplify the approvals process. It will end at the Don River and will have 72 branches, many going to agriculture, which will ensure that the growing season can be extended from eight months a year to the entire year, and additional job certainty for farm workers. It will also allow opening up of a 400,000ha area south of Home Hill to high-value cropping.
BPC is in consultation with Sunwater to take a minimum of 80,000ML a year from the Burdekin dam total of 195,000ML available, providing a boost for agriculture, aquaculture, construction and others. The Burdekin water could also be used to top up Bowen's supply from Proserpine when needed.
Mr Brown said the company was seeking equity funding for the project, based on a model that he said aligned with industry expectations and timetables.
Another beneficiary could be the proposed HyNQ North Queensland Clean Energy hub, where water could be supplied for hydrogen production.
Mr Brown said the Federal Government had contributed $5 million to advance the business case, which was to be lodged in the next few weeks. He acknowledged the support of state ministers for agriculture, Mark Furner, and water, Glenn Butcher, and local member Dale Last.
"We hope that the (state) ministers will decide the project before the election," he said.
"We should be ready to start 12 months after that."
The meeting also farewelled Whitsunday Regional Council Mayor, Cr Julie Hall, who is retiring ahead of the March local government poll.
Cr Hall outlined some of her achievements during her term, which included expansion of the Proserpine airport terminal and increased flight services, and the Shute Harbour marine terminal, and the "tiny homes" project for older women.
Chamber chairman Bruce Hedditch paid tribute to Cr Hall for overriding the perceived alternating funding biases between north and south in the region, adding that: "You brought us all together."

Most countries have a system to encourage citizens to save for their retirement. In the USA they are called 401K Accounts, and, in the UK, they are called Pension Accounts. In Australia we call our system the Superannuation system.
Is our super system a good system? Would we get a gold medal in the ‘Super Olympics’?
When assessing a retirement system, the big questions are, how much investment choice and flexibility you have, and what access to your money you are giving up in return for the tax incentives offered. In Australia all types of super products operate under the same legislation around access and tax, but different types of products have more investment choice and better tax management. In this article we’ll focus on the overall system and next month we’ll delve into the different types of super products - industry funds, retail funds and self-managed funds.
Investment Choice. Like their UK and USA based competitors, Australian super funds can invest in a wide range of investments both directly and via managed accounts. You can invest in traditional assets like cash, fixed interest, shares and property as well as the newer, less proven trading investments like currency and crypto. However, all investments must be for the sole purpose of funding the members retirement and there are rules to stop schemes to derive any benefits from your super investments before retirement. In all three country’s systems it is possible to borrow or gear to help purchase investments in your super account. On these criteria, our system is pretty good and line ball with the USA and UK.
Where our system really shines is regards tax benefits and access. There’s always a trade-off for the generous tax benefits of super in losing access to your money until retirement. In our system the tax benefits are huge, personal marginal tax rates for the bulk of people working full time are in the 34.5% bracket ($45,000pa to $120,000pa) with higher income earners, like miners, often in the second highest bracket on 39% ($120,000pa to $180,000pa). Our super system is attractive in the accumulation period, pre age 60, where interest and deductible contributions are taxed at 15%. Even more so in the pension period post 60 and retirement where there is 0% tax on interest earned and 0% tax on pensions or lump sums drawn out. Full, tax-free access to your money in retirement.
Based on the unrestricted access to your money and a zero-tax rate in retirement, our super system is world class and takes out the gold medal at the ‘Super Olympics’.
If you think you could benefit from a discussion with a Financial Planner, give us a call on 49467359 of visit www.eclipsefp.com.au
There’s no obligation, the first meeting is free and all fees are spelled out clearly in advance. If you’re not sure, try coming to our Retirement Planning seminar in April, keep an eye on our Facebook page and this paper for details.

This week marked the start of our latest campaign aimed at boosting visitation through the traditionally quieter periods. We have kicked off with a billboard outside Brisbane Airport and a sponsorship of ‘The Daily Aus’ newsletter and Podcast to target the under 35 demographic nationally.
If you travel outside The Whitsundays in the coming weeks and months, keep your eyes peeled for our world-class Whitsundays experiences and accommodation operators in ads on social media.
They are also on display banner ads on websites and on bus stops and billboards, on the radio and even on the television in our key market areas – Brisbane, Sydney and Melbourne!
We’re giving a taste of The Whitsundays to all the soon-to-be shivering residents of Australia’s southern states and our fellow Queenslanders down south.
Last week I celebrated my one-year anniversary at Tourism Whitsundays, which also marks one year of living in The Whitsundays – where has the time gone?
In the last year I haven’t stopped pinching myself – I can’t believe that I am lucky enough to call this region home. If you haven’t been out to experience the beauty in our backyard recently, this is your sign to get out there!

Are you a Bowen local, with a passion for the region, an interest in writing and storytelling, and desire to give back to the local youth?
If so, the Bowen Neighbourhood Centre has the program for you!
The idea for the Program stemmed from a team chat where it was noticed that Bowen’s youngest didn’t know much about local traditions and history.
“Our children don’t know a lot of the traditions that Bowen has, things that the older in our community just inherently know,” explained Stephanie Cora, Bowen Neighbourhood Centre’s Executive Officer.
“The Bowen Collective is about story, of sharing stories that are central to Bowen.”
From this conversation, the team decided to introduce The Bowen Collective as a short 10-week program, where locals get together to create, illustrate, and write children’s books, covering Bowen’s history, traditions, and folklore.
“It’s for locals by locals,” Stephanie said.
“Our goal is for these books to go into our local schools for students to read, for teachers to use, and for our children to grow more knowledgeable about the beautiful town they live in.”
Organised and hosted by Bowen Neighbourhood Centre, the Bowen Collective is looking for volunteers and participants to take part in the program.
Contact the Bowen Neighbourhood Centre for further information on 07 4786 2111, or info@bowennc.org.au.
Expressions of interest close Friday March 1

With two more months of cyclone season on the cards on the first half of 2024, now is the best time to get cyclone prepared, with Scott and Lisa Raisbeck of Bowen Small Motors ready and prepped to get you and your family best equipped.
Scott’s number one necessity during a cyclone is a capable and appropriate generator.
“And even outside of cyclone season, we have enough power blackouts, that having a generator handy is great in any emergency,” he explained.
“However, having a generator is great, but making sure to maintain is the best thing to keep it going.”
Scott’s top tips for maintaining your generator:
“Use good fuel. We use 95 Octane, but don’t use 98, because it’s too high in octane.
“When you’re not using the generator for months at a time, change the fuel regularly. Or, remove all the fuel and leave it until you need it again in the summer months.
“If you prefer to leave it full of fuel, in the case of an emergency, get a good stabilizer, which makes your fuel last longer.”
Scott typically sees an influx of generator repairs as a warning is called for a potential tropical cyclone, for issues that are simple to avoid.
“Keeping your generator well maintained, with either a stabilizer in the fuel or empty when not used makes sure that no blockages can interfere with the carburettor,” Scott explained.
“It is also a good thing to check your air filters frequently. This is a simple thing but can cause a pain of issues.”
Scott Raisbeck, looking after your generator this cyclone season. Photo credit: Bronte Hodge

Perfect for the older Bowen locals, the Bowen Neighbourhood Centre is eager to launch their Stay Connected program which helps participants use technology effectively.
Designed for Bowen locals over the age of 55-years-old, the Stay Connected program is a weekly program, that will run for 12-months, with small, yet intimate classes, where the program coordinators can ensure each participant is confident and able to navigate the week’s topic effectively.
“We’ve designed this program to assist individuals to navigate the internet,” Bowen Neighbourhood Centre Executive Officer, Stephanie Cora explained.
The program will cover how to use different smart phones, including Apple and Android devices, iPads and tablets, and integral websites and apps that are incredibly useful to modern life.
These apps include MyGov, HotDoc and other health related apps, email, online shopping apps for Woolworths and Coles, and the Whitsunday Regional Council Disaster Dashboard.
“We have this program kicking off in March, so please register your interest today,” urged Stephanie.
The program will also include cheat sheets of the week’s session, so that participants can easily reflect and remember the completed topics.
“It’s so handy. Put the cheat sheet on the fridge and if you forget something, it’s just right there!”
Contact the Bowen Neighbourhood Centre to register today.
Register your expression of interest by calling the Bowen Neighbourhood Centre on 4786 2111