Hepburn 2021 Issue 2

VERAISON EDITION

Adapting to Change Forgive For yourself Exploring Flamenco ISSN: 2653-0317

Risky Business Phoenix The RealSutra You The Changing You Trends to follow this Autumn

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About Hepburn When life gives us lemons, Hepburn is the cocktail. It is a Swiss chocolate in times of stress, a glass of wine after a long day, and a pedicure date with a best friend.

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NEXT ISSUE March 2021

Letter from the Editor Hello and welcome to autumn from myself and the team. As March heralds the change of season, I welcome you to the Veraison Issue of Hepburn.

As with each autumn I look to the changing colours of the autumn leaves, feel the freshness in the air, and I know it is a time of abundance, prosperity and wealth. And in the words of Heraclitus, “The only constant is change.”

Veraison, a French term, for when the grapes take on a mix of colours changing red to black and from yellow to green. It heralds the transition from growth to the ripening of the grapes. Like all change is it not a uniform process, but begins with the outer clusters and the berries most exposed to the warmth. It is the veraison and autumn that reminds us that each and every day is a mystery to unfold and enjoy. It is in accepting the unknown that we may live our lives to the fullest.

Our journey to deliver a multimedia magazine for our readers continues. We introduce you to two amazing women we spoke with in December for our In Conversation with Amazing Australian Women. Sally McGrath, Health and Wellbeing Coach and owner of Health that Heals, charmed us with her thoughts on wellbeing and adding harmony to your life. Georgina Pazzi, Education and Wellbeing Consultant and owner of Edumazing, explained Human Literacy and drew us in with her compassion and conviction that children receive the education they need. You will find these interviews on the Hepburn Magazine YouTube and podcast channels. Look for our distinctive logo.

a warm mocktail and cocktail and fig inspired canapes. We also invite you to explore the Basalt Plains and inspire you to experience the ever changing sky with seven flying activities.

Like any journey, Hepburn is not adverse to change. Hepburn’s journey is only achieved through the efforts of an amazing team and our contributors. I personally wish to thank each member for their contribution to make each issue better than the last. We welcome Freya Kassulke to the team. Thank you to our fabulously Phoenix Hepburn Women, Sally McGath and Georgina Pazzi. Thank you to our contributors, Andrew Johnson, Sally McGrath, Neil Churches and Irina Mazalova. And thank you to our puzzle auditors, Chloe Hicks, Xander Thorn, Zara Miller and Bronita Dunn.

So, as the autumn leaves fall and the temperatures drop, I encourage you to enjoy the changing season and let your stresses fall behind you.

Jacqueline Hodges

In this issue, influenced by change and the unknown, we explore Flamenco, Adapting to Change, Managing Personal Risk, and Dealing with Business Risk. We enjoy a conversation with Andrew Johnson about house colours and are inspired by Irina Mazalova’s interior design ideas.

Our Nouvelle Cuisine section will tempt you with

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8 | Hepburn

Seasons change, The tides ebb and flow Fruit ripens The sun rises and sets, The only constant is change.

Hepburn Women, adjust, adapt and accept change graciously, welcoming the veraison of their growth. Encouraged by change, Hepburn Women strengthen as they transition from the blush of an idea to purposeful growth. This issue celebrates the veraison within all the Hepburn Women.

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Contents

Featured Women 12 Gone but not forgotten Edith Cowen

50 In Conversation with Amazing Australian Women Sally McGrath

51 In Conversation with Aspiring Australian Women Georgina Pazzi

68 Inspiring International Women Jamie Margolin

see pag e 11 for det 0 ails

BE SUB RI 10 | Hepburn

SUBSC

RIBE C S

SCRIB E

B U S

Amour Propre

Passion

15 Three trends to follow Autumn Trends

65 Exploring Flamenco

19 The Real You, The Changing You

Appetence 24 Recognise and React to Gaslighting 30 Forgive, for Yourself

Abundance

72 Resist or Adapt

Epicurean 80 Mocktail & Cocktail 82 Infuse your own 85 Canapes 86 Fig and Brie Stack

35 Managing Financial Risk 42 Conversations with Andrew 46 Framing your Interior

Leisure

Ambition

89 Indulge the Basalt Plains

54 What’s In, What’s Out 57 Risky Business

94 Coming Up - Counterpoint 96 Colour my Sky 107 Brain Challenges

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Gone But Not Forgotten - Edith Cowen Jacqueline Hodges

N

ot many women can claim being the “first to”, or have a university named after them or have their countenance printed on a 50 dollar note.

But Edith Cowan was one such woman and made many notable “firsts” during her life.

“Firsts” that made her an enabler women and children’s education, welfare, social issues and injustices in the legal system.

Edith Cowan (nee Brown) was a remarkable women and an extraordinary woman for her time. Born in 1861 at Glengarry pastoral station near Geraldton, Western Australia, she was born in a time when women were afforded very little rights. Her mother died in childbirth when she was just seven years old and she was orphaned by the age of 15, when her father was hung for the murder of his second wife. In her formative years, she attended boarding school in Perth and later at 15 left to live with her Grandmother in Guildford.

At 18, Edith married James Cowan. It was James Cowan career as a magistrate that enlightened Edith to the social injustices of poverty and poor education, especially for women and children. She fought against domestic violence, drunkenness and spoke openly about venereal disease, prostitution, contraception, illegitimacy and sex crimes.

As an advocate for children, Edith Cowan founded the Children’s Protection Society and advocated that children not be tried as adults. Subsequently children’s courts were introduced and in 1915 Edith Cowan was appointed to the bench.

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“America has women judges in the children’s court, and why not have them here? Why not have them to deal with women’s avocations when they apply to the Arbitration Court? I fail to see any anomaly in permitting women to hold these positions, or even in making them Ministers of the Crown.”

“Women are very desirous of being placed on absolutely equal terms with men. We ask for neither more nor less than that.” tireless and public campaigner for women’s and children’s rights from the early twentieth century”

She also advocated for compulsory voting and in 1899 the women of Western Australia became entitled to vote. In 1920, she became the first woman to become a Justice of the Peace. In 1920, Western Australia allowed women to enter into parliament.

Although these rights were not extended to indigenous women until 1962. Aged 59, Edith Cowan ran for and was elected a seat in the lower house for the Nationalist Party in 1921. She was the first woman to be elected to an Australian parliament and her win made banner headlines across Australia.

“It is a great responsibility to be the only woman here, and I want to emphasise the necessity which exists for other women being here…the views of both sides [men and women] are more than ever needed in Parliament today.”

She introduced two significant private member bills which would advance the rights of women, both of which were passed. One provided the right of women to enter the legal and other professions, whether they were married or single. The other provided inheritance rights to women whose adult children had died intestate, giving women equal inheritance rights to the men.

She was on 46 boards and committees at the time of the elections. Her entry in the Australian feminism, a companion described Edith Cowan as “a committed,

While Edith Cowan did not support war, she was a founding member of the Western Australian division of the Red Cross Society, which was established in 1914. Her work was rewarded in 1920 with her appointment to the Order of the British Empire.

Edith Cowan also contributed significantly to the development of education, particularly in government schools. She helped raise funds for students to attend universities interstate prior to the building of the University of Western Australia. She was post-humously honoured in 1990 by naming Western Australia’s oldest education institution and newest university as the Edith Cowan University.

On her death in 1934, a clock tower was erected at the entrance to King’s Park in Perth. The Australian Mint recognised here contributions in 1995 with her portrait printed on the new polymer fifty dollar note.

Edith Cowan was an amazing women who stood for what she believed, stood to those who could not stand for themselves.

We are thankful to Edith Cowan for her advocacy across suffrage, equal rights, classlessness, education and children’s advocacy efforts, in a time when her courage and resilience as the fairer sex would have been sorely tested, if not despised.

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Amour Propre 1. A belief and confidence in your own ability and value 2. Self-love, self-esteem 14 | Hepburn

Trends to follow this Autumn Kristina Mazalova

A

utumn is the season of change, of letting stress go, of finding new balance and harmony. For some it will be a welcome relief from the sweltering summer heat, a time of excitement and look forward to the cool air, a time to sort through the wardrobe and unwrinkle the folds. For others it will be the opportunity to change, create a new look that is uniquely you.

Regardless of whether we embrace the status quo not, this season can act as a gentle reminder to ourselves to reinforce our beliefs and opinions into more positive ones and redirect our energy towards personally fruitful and fulfilling endeavours. Like with all things in life, we must find the confidence and the energy within ourselves in order to fully capture the momentum of growth. Part of the journey of finding this confidence is about embracing our style and boosting our morale by looking great. Clichés aside, we would like to help you find the motivation to feel and look fabulous this season. We are not going to focus on what one should or should not wear. Instead, we will focus on providing you with avenues for exploration and selfexpression utilising clothing and fashion.

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To feel powerful and enigmatic What colours make you feel powerful? What kind of clothing makes you feel like you are in a cinematic reel when walking down the street?

What kind of outfit makes you beam at yourself in the mirror? (Don’t forget to smile and say, ‘I love you.’) You know the feeling of power that comes from clothing. You absolutely do.

Remember the last time you felt that feeling.

Now capture it and feel it.

What are you wearing? What’s happening with your hair? To allow yourself to feel the power means to let go of the fear of taking up space and attracting attention. Letting go of this inhibition is the number one step in order to connect with your true nature and show up in the world how you desire. This autumn, say goodbye to trends and listening to what you ought to do and do what you want to do. You want to wear a bright red suit? Go for it. You want to wear a linen white dress? Go for it. You want to dress in expensive embellished pants?

Absolutely go for it. Go for what makes you feel proud about who you are, and what motivates you to chase that empowered feeling every day.

To feel comfortable Facing your insecurities about self-love and relationships can be difficult, we get it. We have all been in dark places reminiscing on past relationships, as well as on the relationship we have with ourselves. Reflection is a crucial component of finding comfort within the discomfort. Kindness is equally crucial. To feel comfortable with who you are and who you are with, extend kindness to yourself and others. Do not strap yourself into outfits that you feel like you should wear. Be gentle with your perception of self. Wear clothing that allows you to breathe and be flexible in movement; wear clothing that enables you the peace of mind to ruminate and reflect. Our lives are already filled with so much stimulus, do not overwhelm yourself even more by pushing yourself into things that do not feel right.

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Our advice? Choose to dress in what you know you feel great in. Take that trusty outfit out of the wardrobe, and rock it like it is new.

To feel hopeful If you are not in the right headspace to deal with change that autumn and the cooler weather brings with it, it is okay. If you feel that you are not in the right place in life, if you feel that you could be loving yourself more, do not fear that you are not there yet. All good things take time, and perhaps this autumn could be a time of reflection and leveraged to develop a deeper sense of hope for yourself. On the other hand, if you feel content with where you are, there is also an opportunity to build deeper hope for the future. To feel hopeful, wear something that inspires you. Wear something that inspires you to live in the moment, something that inspires you to become a better human being, something that inspires you to seek new things. Treat dressing as an avenue for self-expression and exploration. Do you look up to someone’s style?

Try experimenting with their fashion choices and incorporate them into your outfits for the season.

Is being ethical and sustainable important to you?

Make the intentional choice to wear an outfit that reflects those values. Have you always wanted to try dressing radically different? Do it.

This autumn is the perfect opportunity to allow yourself to feel inspired, to change, to stress less and to find balance in a way that is meaningful to you. It is also the perfect opportunity to allow others to do the same. Be kind and openminded. After all, autumn is a new season. You will look stunning as long as you follow your intuition.

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The Real You The Changing You

Sushmita Sharma

Who are you?

Beyond this body, the personality, and the traits that you are known for, who are you really? Do you know?

Does anybody? We think we know who we are but what if our perception of self is simply an illusion created by the projection of someone else’s opinion of who we are?

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T

he quest to find your true self is not a new concept of the modern age. This profound mystery of self-identification has cost many philosophers and spiritual teachers a lifetime of introspection. The problem at hand is that many people misinterpret the definition of “self”.

People connote their preferences in correspondence to their identity. Let’s take a look at a simple example. How many times have you said to someone, “I am (or not) a morning person” or “I am a coffee (or any other drink) person”?

This is where the problem essentially begins.

Your perception of who you are is based on your preferences in life. Who we think we are, is just a collection of ideas of what we like and dislike.

This is nothing but an evil play of your ego. Because, if truly you were all but a collection of your preferences, you would remain the same throughout your life. But do you? Fortunately, no.

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People change. Over time, not just our physical appearance, but also our preferences, our opinions on life and other situations, our mindset, and literally everything about us changes. Not just over time, but situations and life-settings change us too. You might find that you exhibit certain traits when you are in your workplace but when with friends, you might be a completely different personality.

So, the question arises - if we are constantly changing, is there really a true self or is it all just an illusion? Maybe that is the ultimate truth – that we are at a constant change and we must be in line with our dynamic traits and values. Here, we take you through various philosophical approaches in our attempt of self-identification. However, it is important to understand the definition of “self” before we try to find it.

Understanding the “Self” On one extreme end, the self-concept is based on the understanding of self in terms of attributes like our thoughts, motivation, actions, cultural belonging, and characteristics.

This is where people think of “I am a kind person”, “I am a caring friend”. This is usually in terms of how we act in the presence of others or how we see ourselves in relation to others.

On the other extreme, the self is considered not as concrete but rather more eternal and indestructible, something that is independent of our physical being.

It is what guides our thoughts and actions. While the world changes, this self remains constant and unaffected of the varying situations and times. This self is beyond the limits of time and phenomena of the world. In Buddhism and Hinduism, this is referred to as the true-self or the Ātman. In Eastern philosophy, our soul is the pure being. Ancient Greek Philosophers, Plato and Socrates also believed that psyche (or the soul) is the true essence of a living being and lives eternally even after the death of the living body.

These two extremes of selfidentification are nothing but the paradox of an ego and the soul.

Originated from the early 19th Century, the Latin term “ego” literally translates to “I”. Simply put, the ego is everything and anything you can associate with “I”. “I have a car” – ego. “I am a great friend” – ego. “Why do I have to deal with this?” – ego.

“I want to buy a new phone” – ego. You get it. The ego is associated with your emotions, reactions, feelings, desires, and attachments. More often than not, the ego thrives on the negative end of everything.

The negative emotions - fear, anxieties, resentment; the negative desires – greed; the negative possibilities, etc. If this ego is our self, then that would mean every living being on this planet is driven by negative desires and emotions. That can’t be true!

If our cultural context, communication or interaction style, emotions or thoughts defined who we are, then what about people who have Alexithymia (the difficulty to express emotions), or people suffering from Alzheimer’s (who gradually lose their memory and thinking skills)? Do they not have a “self”? Is everything we are only restricted to our intellectual skills? That’s hard to believe.

There must be something more that makes us who we are. So, let’s take a look at the soul to find our self.

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Many philosophers, psychologists, and cultures believe that the soul is the inner voice that stops you from hurting someone or stops you from having negative thoughts. It is the inner voice, the gut feeling, the spirit, the life energy or whatever you like to call that presence in you.

It is believed to be forgiving, loving, caring, accepting, and it is always right. Some cultures believe that it is your true essence, that which makes you who you are.

Some believe that the ego is not our self but the unconsciousness within us, whereas the soul is the consciousness that lies within all human beings. The ego lives on temporary things, while the soul, the inner true-self remains unchangeable.

The ego is thus, about what we have, and the soul is who we really are.

“You can only lose something that you have, but you cannot lose something that you are.”

- Eckhart Tolle

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Appetence 1. Desirous, wishful 2. Having or expressing desire for something Hepburn | 23

Recognise and React to Gaslighting?

Kristina Mazalova

We have all been guilty of saying “You’ve already told me that” or “You don’t know what you are doing”, “You are being over sensitive”. In general these little phrases are simply statements of fact. But if these little statements or similar words are used over and over again to undermine your confidence and belief in yourself, someone may be trying to manipulate you by Gaslighting..

G

aslighting is a form of psychological abuse. The abuse is gradual and may leave victims feeling confused, anxious, and unable to trust themselves, cognitively or emotionally. Anyone can experience gaslighting, in intimate relationships, in social interactions or even in the workplace.

It is especially common where there is an imbalance of power within the relationship.

The term “gaslighting” actually originates from playwright Patrick Hamilton’s 1938 mystery thriller “Gas Light”. You may be familiar with the 1944 movie starring Ingrid Bergman and Charles Boyer. The story reveals a diabolic plot by the husband Gregory who manipulates his trusting wife Paula into believing she is losing her mind and can no longer trust her own perceptions of reality, so that he can have her committed into a mental institution and steal her inheritance.

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Contemporary, Noregian mystery drama series “Outlier” is a modern teledrama highlighting gaslighting in personal and workplace relationships through its subplots.

Most people have experienced gaslighting at some point in our lives. So it is important to learn how to recognise the technique, deal with it, and minimize any psychological impact. If not dealt with, psychologists warn gaslighting can have a devastating and longterm impact on our emotional, psychological, and even physical well-being. It’s important to also understand that the genuine disagreement within a relationship may be beneficial and is not gaslighting.

“If you are going to trust one person, let it be yourself” - Robert Tew

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Gaslight Techniques Gaslighting follows a gradual abusive approach, making it difficult for the victim to detect.

Some techniques a person may use to gaslight someone include: Countering: questioning the victim’s

memories. “You never remember things

accurately,” or “Are you sure?

Withholding: refusing to engage in a

conversation. “I do not know what you

are talking about,” or “you are just trying

to confuse me.”

Trivializing: belittling the victim’s feelings.

“You’re just being too sensitive” or “You

are overreacting” Denial: pretending to forget events. “That

didn’t happen” or “Your just making that

up to confuse me” Diverting: refocussing of a discussion

to question the victim’s credibility. “that

is just another crazy idea you got from

your friends.”

Stereotyping: intentionally using negative

stereotypes of the victim’s gender,

race, ethnicity, sexuality, nationality, or

age to manipulate them. “Everyone will

think you crazy if you go to a psychologist”.

Gaslighting in the Office It could be your manager, co-worker, a client, a frenemy or even the person in human resources. It is important to identify not only their behaviours but you behaviours as well.

Some signs you may be victim to a gaslighter include: • You overwork yourself just to “prove yourself” • You feel incompetent • You lack self confidence

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• You are uncharacteristically jealous or insecure

Examples of Gaslighting in the Office: The gaslighter: says they never got the presentation you definitely turned in on time and you have the sent receipt in your email outbox,

• Meet with Management - Stay professional and address the issue with your manager and bring your notes.

makes a racist or sexist comment only to condemn it when other colleagues do the same thing,

• Let it go - You can’t control anyone’s opinion, the only person whose opinion you can control is your own.

shifts or borrows and replaces items on your desk without asking,

• Consider moving on – if there is no solution, you need to look after yourself.

Leaving this job may be the best career move you will ever make.

says it’s fine to skip that a.m. meeting but then emails you about missing the meeting, or... changes company policies to suit their own objective, whim or mood.

How to Deal with Gaslighting at Work • Identify the Perpetrator’s Behavior Patterns Look out for patterns that confuse you and consider whether they are gaslighting you.

• Trust Your Instincts - Trust yourself, your thoughts and your feelings.

• Stand Strong - Don’t let their words or actions affect you or your work.

• Document everything - Keep a diary, write down what was done and said, later look for patterns of behaviour.

• Consciously Affirm Your Self Beliefs - Remind yourself that your work is valuable and you are valued.

• Be direct - Try to address the situations directly with the gaslighter.

• Talk to a colleague you can trust - If it feels safe, bring up what’s been happening and ask if they’ve been harassed in this way as well.

“Some people will label you as vindictive, unforgiving or even evil for not allowing them to hurt you, yet again.” ― Wayne Gerard Trotman

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Gaslighters are People While we might wish to hate them, gaslighters are people too! And gaslighting is a learned behaviour. The gaslighter may not be acting with malicious intent nor even realize that they are using Gaslighting behaviours.

“The gaslighter may not even know he is doing anything strategic or manipulative. He lacks self-awareness and may just think he is expressing himself directly, or is prone to unflinching honesty…”

- Robyn Stern

Love Yourself If you are in a compromising dynamic, practising some self-love may not be easy. Make time each day to gift yourself some kindness and allow yourself to believe in yourself and to feel your emotions. This will help you when you are not feeling confident and strong.

If you are struggling, seek professional help.

There is no shame only strength in admitting you need some help to recover.

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“Never be bullied into silence. Never allow yourself to be made a victim.

Accept no one’s definition of your life, but define yourself.”

- Harvey Fierstein

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Forgive, for Yourself We have all suffered those nasty little trigger events, a backhand swipe, a jealous backstab or even a plain bitchy snap. We have suffered, put up and dealt with these trigger events from our friends, colleagues, peers, subordinates and managers. We have even subjected ourselves and our comments to bullying on social media.

A

s we dwell on the event we try to dig deeper into what really happened. We ask ourselves why did they do this. Our anger wells, we may stew over the granular details, we may have even misinterpreted and misconstrued the whole event. In essence we may be spending too much time dwelling on the past, building up resentment, burning energy, consumed with hostility, and wasting precious time on things we cannot change.

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As time passes and the wounds heals, our friends may apologise and we forgive and forget.

But what if we didn’t wait for the apology. What is we chose to forgive first. We may not have to wait for an apology. We can simply make a mental note to forgive first.

Grant me the serenity of mind to accept that which cannot be changed, the courage to change that which can be changed, and the wisdom to know the difference.

- Reinhold Niebuhr

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1. Change Change your mindset. No can make you feel upset. Your mindset or rather whether you have a strong internal or external locus of control will determine whether you allow someone’s actions to affect you. If you have a strong internal locus of control and someone offends you, you are less likely to be influenced by the event. Generally those with a strong internal locus of control feel confident in the face of challenges, take responsibility for their actions and are happier and more independent. You are more likely to have a strong internal locus of control if you believe that with hard work and commitment you can achieve anything. 2.

Forgive

We are not proposing you forgive and forget or that you wipe the slate clean.

You need to understand and acknowledge what happened and accept that you cannot change the past. We also realise that you can’t always speak with the other person. But forgiveness isn’t really about the other person. Forgiveness is for you.

Forgiving the other person allows you to let go of the feelings of resentment and regret. Whether you felt angry, sad, ashamed or afraid, acknowledge the event. You need to accept, experience, process, and release, so that you can come out stronger.

Forgive, others not because they deserve forgiveness, but because you deserve it.

Forgive, for you.

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4. Indulge So you have forgiven, now what? Pamper yourself. No amount of love is enough love and there is nothing wrong with it.

Pamper yourself by indulging in some glorious pleasures of life. Whether your best friends are named Sapphire, Ruby or Pearl, meet them! Treat yourself with your favourite piece of jewellery, go to that fine-dining restaurant that has been on your list for months, or send yourself a beautiful bunch of flowers and don’t forget to include a card to you.

Treat yourself to a luxurious massage and treatment as a beautiful day spa.

Whatever it is that you wouldn’t usually do, do it for you.

3. Appreciate Appreciate that we are all different, we have different values, beliefs, and experiences. We also react to external events differently. If you have had a disagreement with someone, there may be a perfectly acceptable reason. It might be that you have misunderstood each other. For example, a bad day at work, a pressing or urgent matter that prevents you from giving the other person your full attention. If you have understood each other, it may be you have different experiences, values or even expectations that prevent you from agreeing.

Remember, we are all different. Being different, highlights your uniqueness and means you are being yourself.

Love yourself because you are worth it.

Love yourself because you are enough, just as you are.

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Abundance 1. The state or condition of having a copious quantity of something; plentifulness 2. Plentifulness of the good things of life; prosperity 34 | Hepburn

Life Insurance & Personal Financial Risk Jacqueline Hodges

Many people ignore their personal financial risk and the insurance they need to protect their lifestyle. Many say “I’m too busy to worry about this”, “I’m fit and healthy”, “I’m only young” or “I don’t need life insurance, I don’t have anyone to leave it to”. But the trust is, we all need to think about our life insurances. It’s a process of personal financial risk management, like carrying an umbrella is its cloudy outside.

What I find is many of my clients, don’t actually understand life insurance is actually an umbrella term. Life Insurance is a general term for a range of personal insurances, including: » Life insurance, » Total and Permanent Disability Insurance, » Recovery Insurance, and » Income Protection Insurance.

Life insurances are there to provide you and your family with financial security if you passed away or something unexpected happens to your body or mind. They are used to protect your quality of life and the future you’ve planned for yourself and for your loved ones.

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Which Insurance do you need?

Each type of life insurance protects you in a different way. The first thing to consider is, which types of insurance you need to help you live the life you’ve planned. The following summaries give a brief explanation of each type of life insurance.

Life Insurance Life insurance is also known as ‘life cover’, ‘term life insurance’ and ‘death cover’. Life Insurance provides for your family and loved ones if you pass away, or if you are diagnosed with a terminal illness. It provides your loved ones with a lump sum payment that can help ensure their financial security. You can choose to be covered for accidents, illness and even adventure sports.

A life insurance payment may allow your family to retain the family home, provide for your children’s education, and allow your partner to continue living the life you had planned together.

Recovery insurance Recovery insurance is also known as ‘trauma insurance and ‘critical illness cover. Each insurer is different but generally recovery insurance covers critical injury, critical illness and cancer.

It provides a lump sum payment if you become critically ill, or injured and require extensive medical treatment to recover. The lump sum payment provides you with the financial freedom to reduce your work hours, access medical treatment, and pay for your rehabilitation you need.

Total and Permanent Disability Insurance Total and Permanent Disability Insurance (TPD) provides a lump sum payment if you become totally and permanently disabled because of an accident or illness and are no longer able to work.

Each insurer has a different definition of what it means to be totally and permanently disabled. It can cover you for either your own occupation or any occupation.

When deciding if you need TPD insurance, and how much you need, work out the expenses you will need to cover if you were permanently disabled and unable to work. These might include: •

living expenses for you and your family

•

renovations to your home or car

•

repaying debts such as a mortgage or credit card

•

medical and rehabilitation costs

•

savings you want for retirement

Any Occupation You are unable to ever work again in any job suited to

Your Own Occupation You are unable to work again in the job you were working in before your disability. This cover is more expensive and is usually

your education, training or experience.

This cover is cheaper but has a higher threshold to claim, so it’s less likely to pay out

only available outside super

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Income protection insurance Income protection insurance provides an alternative source of income and is usually paid monthly. It is to help replace a portion of your income if you are unable to work due to serious illness or injury that has left you totally or partially disabled. It covers accident, illness and sports injuries.

The monthly payment will continue for a nominated time and will help you keep your household up and running, and provide for your loved ones while you recover.

When to review your Life Insurance You should review your insurances regularly and if a major change or life event happens in your life, such as getting married or having a baby.

Some future life events are: •You get married or divorced •You or your spouse become a parent through birth or adoption •You take out or increase a mortgage on your home •Your child starts secondary school •Your children leave home •You are preparing to retire Your financial adviser can help you work out if the insurance you have is appropriate and sufficient for your needs.

How Life Insurances Work Life insurance can be bought separately or bundled into one policy. You may require one or more of these types of cover, depending on your circumstances.

Life insurance can also be purchased inside your superannuation or outside your superannuation.

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How Much Insurance Do You Need?

How long is a piece of string? Determining how much insurance you need is difficult to measure and will depend upon your personal circumstances. Your financial adviser will consider many factors including, your age, your living expenses, your relationship status, your lifestyle and your likely future needs.

To begin understanding how much you need your adviser will ask you to work out the cost of your lifestyle. If you have children they will work out how much is needed to cover their future education and living costs.

Here are some examples for Fixed, Flexible and Monthly/Quarterly/Annual expenses: • ● Fixed expenses, include rent, mortgage repayments, car loans and phone/ internet plans

Depending on your life stage, some insurances are best owned by you outside of your superannuation. The cost of maintaining your life insurance outside of superannuation may add to your personal expenses and seem costly but in the end its about managing your personal risk and having an umbrella to protect you financially.

Disclaimer: The information contained in this article is general in nature and may not be relevant to your personal circumstance and needs. Taxation, legal and other matters referred to in this article are of a general nature only and are based on laws existing at the time and should not be relied upon in place of appropriate professional advice.

We recommend that you assess whether the information is appropriate to your needs and if appropriate speak with a financial adviser to discuss your needs, financial situation and investment objectives.

• ● Flexible expenses: food, clothing, entertainment, medical and additional mortgage payments • ● Monthly expenses: mortgage repayments, phone, electricity and private health insurance • ● Quarterly expenses: rates and water charges • ● Annual expenses: insurance and car registration

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40 | Hepburn

IS THIS YOU? Drag yourself to work Irritable and impatient Lack motivation & energy Drink to relieve stress Eat on the run

Choose YOU. A healthier and realistic lifestyle awaits you, so with

you:

break free from burnout

practice self care

get your Zing back!

YOUR

Thrive and Alive Program

Sally McGrath Founder, Health that Heals

w w w . h e a l t h t h a t h e a l s . c o m. a u healththatheals

Hepburn | 41

E: sally@healththatheals.com.au M: 0433 411 580

Conversations with Andrew Andrew Johnson

Consider the colour palettes in your home

“Color can be a powerful tool for attracting buyers to a home, especially in listing photos and videos,” - Svenja Gudell

Personally, I love colour and enjoy all its variations in my life, and on reflection it is evident to me that I have my preferences and a go to palette for myself with a strong preference for Blue, so consider how you feel about colour palettes in your home.

When we use the right colours, they can have an emotional effect on our visitors and direct them to act. According to Kissmetrics, 85% of shoppers place colour as the primary reason for why they buy. People are also said to make subconscious decisions in under 90 seconds, and colour is a great way to trigger action.

The colour palette in your home both internal and external can have a large impact on your homes ability to attract buyers’ interest and achieve a great sales result. The unique presentation of your property online and the strategy to sell it is very important to provide those interested buyers all the necessary visuals and information to short list and seek to own it.

Colour is a way of communicating certain messages and feelings in a matter of seconds.

Colour has an impact on each of us. This impact is similar but unique to each of us. When we enter a home whether it is our home or someone else’s home the events that occur in our daily lives influence that impact and how we react.

Psychologically, your feelings about colour can be quite personal and develop from your own experience or culture.

Red

Yellow

Excitement

Creativity

Strength

Happiness

Peace

Warmth

Loyalty

Love Energy

Orange Confidence Success Bravery Sociability

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Cheer

Blue Trust

Green Nature Healing Freshness Quality

Competence

Pink

Purple

Compassion Sincerity

Brown

Sophistication

Dependable

Sweet

Rugged

Royalty Luxury Spirituality Ambition

Trustworthy Simple

Colour associations as shown below can vary from male to female, person to person and culture to culture, not to mention what is in fashion for a target audience.

Using professionals in painting the interior or exterior of a home, or engaging an interior designer or colour consultant to provide that added edge is very beneficial.

A professional painter or interior designer will help you choose the best colour to appeal to as wide an audience of buyers as possible. It is important to tell the story of a home, its history, facts, information and potential for future owners as well as possible online and at appointments when buyers view the property in person.An interior designer will help create the visual story of home. But if you are planning to sell you need to make sure that you do not over capitalise to ensure you obtain the best sales result.

White Clean

Black

Simplicity

Formality

Innocence

Dramatic

Honest

Sophistication

You don’t have to use professionals.

Generally interior paint jobs are usually cheaper depending on how many rooms are done and it may be a job you can do yourself. Exterior paint jobs are typically more expensive because of their size and complexity. You can attempt this yourself but it is probably best to leave this job to a professional painter.

Keeping it simple, low maintenance and presenting your home in the strongest way possible to prospective buyers is essential to cast the widest net possible, to attract competition, and generate interest in your home.

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Going ahead with renovations and painting can be great but every buyer interested in the home will have their own ideas so spend your money wisely.

The last house I helped sell, the owners choose to do the makeover themselves. They kept the presentation very simple, using sugar soap on the walls, cleaning everything inside and out, and presenting the property in a very honest way as a blank canvas for a new owner to change what they wished to match their own preferences and style.

So in today’s environment, deciding whether to paint before you sell your home is just one decision amongst many that can have an impact on the sales price, depending on your budget, timeline and advice from your agent.

Aim to make your home appeal to the widest audience as possible, enjoy and use colour in your home. It may be the simplest solution to paint internally or external, but is it the right decision for you and your home?

Andrew is a licensed estate agent based in Victoria who has enjoyed a long business career in Australia and overseas providing solutions and building a referral business. www.maxjre.com

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Andrew Johnson is a licensed estate agent, businessman & entrepreneur based in Brown Hill who has enjoyed a long and varied business career in Australia and overseas providing solutions and building a strong referral business.

Mobile 0473 207 988 Email andrew@maxjre.com LinkedIn http://linkedin.com/in/andrew-johnson-8435092 Company Maxwell Johnson Real Estate Pty Ltd Address 9 Gracefield Road, Brown Hill, VIC 3350

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Interior Design with Irina Framing your interior Irina Mazalova

We all love art. And photos.

And posters. And other design elements Once we start searching for a new piece for our collection or fall in love with a new treasure, we all face the same problem – is our wall strong enough to hang a new art piece?

It’s exciting to see how the industrial pieces are making steps into our home and helping us, even where we don’t expect it. One great helper we choose is the Gallery Picture Hanging System.

We chose this system in a recent project. You can see how stunning art looks in the gallery, framed by perfect light and position. Gallery Hanging presents your artwork in the best way and really attracts attention.

Creating a picture gallery in your own home is a problem that once solved provides you with long term enjoyment.

Here’s my tips on what you need to do!

Fix the top rail to the wall below the ceiling.

Thereafter, feel free to change your private art expo as often as you want — no more hooks or screws, or patching and painting to hide marks.

Nylon or very thin steel cords are hooked into the top rail – you can move them freely.

Fix the picture hooks to the cords and hang your favourite art piece. That’s it!

Give your art pieces more prominence, by using rails with a built-in LED light. It is a great addition to your interior.

Now you too, can start an amazing presentation at home!

Irina Mazalova is a qualified Interior Designer and owner of Line Studio. Irina offers advice and planning for residential and commercial projects.

Her portfolio covers a variety of styles and colour palettes.

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LINESTUDIO2020 INTERIOR, REPRESENTING YOUR PERSONALITY IS OUR PHILOSOPHY AND MISSION

w w w. l i n estudi o2 02 0.c om.a u

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In Conversation Hepburn Series

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In Conversation with Amazing Australian Women: We were delighted to be able to speak with Sally McGrath for Hepburn’s December release of In Conversation with Amazing Australian Women series.

During the interview, Sally chatted about health and wellness, burnout, leaving the corporate world, harmony, and the importance of taking time for yourself.

Sally is a Certified Health Coach, author, speaker and owner of Health that Heals. She works with professional women and teaches them harmony, she advocates daily movement and daily self care.

”Starting my day for me is a form of meditation and a chance to get out in the fresh air.”

During the conversation, Sally discusses the importance of taking time for self-care, meditation, movement, and how COVID-19 provided the opportunity and time to reconnect with family and friends.

“I wake into the day, starting early, and embracing the day.”

Sally McGrath She explains that she helps clients to replace poor habits and implement self-care through her “Thrive and Alive” program, she identifies their personal circle of life, and explains nutrition is the key. She believes that work-life balance is a constant seesaw, so she prefers to focus on harmony rather than balance.

“You cannot serve from an empty cup.”

Sally reveals she was a workaholic with massive expectations that led to her being a perfectionist in her corporate life “Lean into your feminine energy and always be kind to yourself.”

She’s caring, she’s warm, she’s sharing, she’s strong, she’s amazing.

We invite you to find out more about Sally McGrath’s story and her views on Health and Wellbeing, women she admires, and self-care.

You can watch the interview on our YouTube channel or listen to our podcast.

We invite you to subscribe to our YouTube channel and Podcasts to listen to future episodes.

Find us on YouTube: Hepburn Magazine In Conversation with Amazing Australian Women – Sally McGrath

In Conversation with Amazing Australian Women: We surprised our In Conversation subscribers this December, by sharing a bonus episode of Amazing Australian Women. We thoroughly enjoyed speaking with Georgina Pazzi in an open, honest, and compassionate conversation. During the interview, Georgie chatted about education and wellness, her love of teaching, growing her business, Human Literacy, and dealing with the loss of her brother.

Georgina is an Education Consultant, author, speaker and owner of Edumazing. She works with educators and families and advocates Human Literacy and understanding the ‘why’.

”Human Literacy is about understanding myself and using that to transform my learning and my life.”

During the conversation, Georgina discussed the importance of developing the way children are taught, giving them the building blocks of life, holistic teaching, and holistic learning.

“So how do I support that child to understand who they are, to value who they are to get through the challenges that they face.”

Georgina Pazzi She would like to see a world that is united, where we value what other countries and cultures bring, and where we work collectively rather than competing against each other. She sees indigenous communities throughout the world as a strength, who bring a wealth of knowledge about the land, nature and the beauty of being human.

“We shouldn’t be just uniting a country, we should be uniting the world.”

Georgina reveals her initial fears of starting a business, her views on success,and how she learnt that business is a two-way transaction. She recruits people with heart, and believes that when people are recognised as our biggest asset, everything else falls into place.

“Business is not about making money, it is about making a difference.”

She’s open, she’s authentic, she’s compassionate, she’s amazing.

We invite you to find out more about Georgina Pazzi’s story and her views on Education and Wellbeing, culture, learning and what inspires her.

You can watch the interview on our YouTube channel or listen to our podcast.

We invite you to subscribe to our YouTube channel and Podcasts to listen to future episodes.

Find us on YouTube: Hepburn Magazine In Conversation with Amazing Australian Women – Georgina Pazzi Hepburn | 51

Upcoming In Conversations Hepburn Series

We have a great lineup of Amazing and Aspiring women coming this year, including: Ruth Mayger of Holistic ___, Elena Pa of Gyre Australia and Ruby Schmidt.

We invite you to subscribe to our YouTube channel and Podcasts to listen to future episodes.

Subscribe to Hepburn YouTube and podcasts 52 | Hepburn

Ambition 1. An earnest desire and determination to achieve success.

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What’s IN Whether you follow the fashion trends or dance to your own beat, there is no denying brown is the new black this autumn. With its perfectly neutral tone, brown is more versatile and a softer backdrop than black to the warm hues and green shades showing up this Autumn.

From Coffee to chocolate, this chic hue is filling shop windows to fashion pages. You can delight yourself with a brown of your choice, from caramel to beige to dark, rich browns. Team them with soft blues, warm autumn hues, earthy tones, a shocking pop of hot pink, or go brown on brown for the leaner look.

“The color brown, I realized, is anything but nondescript. It comes in as many hues as there are colors of earth, with is commonly presumed infinite.” — Barbara Kingsolver It doesn’t matter whether you are young or old or your hair is blond, brunette, red, or black, there is a brown to suit everyone.

Anyone can wear brown.

Don’t worry if brown is not really for you, be happy with who you are and the choices you make. You can wear any colour you like!

“Be faithful to your own taste because nothing you really like is ever out of style.”

– Billy Baldwin

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What’s OUT Well if brown is in, then black is out.

Melbourne of course we are jesting. Brown might be in, but is black really truly ever out?

Black says it all. It sends a clear message.

Just think of Johnny Cash standing for social injustice, a young gothic channelling the mysterious and dark, the upwardly mobile corporate seeking restrained refinement, the beautiful seductress, or the stage hands and film directors in their universal uniform seeking to disappear off set.

We understand their message, and image, and identity implicitly.

Black is poetic, it is dramatic, it is pragmatic.

Black can never be truly out. We only need to ready the historical quotes of leading designers and artists to understand that black will always persist.

“You can wear black at any time. You can wear it at any age. You can wear it for almost any occasion…” Christian Dior “One is never over or underdresses with a little black dress.” Karl Lagerfield “Women who wear black lead colourful lives” - Neiman Marcus

“You can have any color, as long as its black.” - Henry Ford And think about the LBD! That little black dress could not exist without, well, the colour black. It is long-lasting, versatile, and ubiquitous. We may not all be able to wear the LBD but we all want something black to wear and we will keep wearing black.

“Women think of all colors except the absence of color.

I have said that black has it all. White too. Their beauty is absolute. It is the perfect harmony.”

—Coco Chanel

And in the end, black teams perfectly with brown!

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Management and Leadership

Risky Business

M

anaging a business can be exciting, particularly as you begin to reach each new goal and exceed established expectations. You will have dreams and ambitions for your business, they may be small goals or even massive movements. You most likely celebrate the wins with the team, you may even hold an internal competitions to see which of the project is ahead on the leader board, which teams exceed their sales target for the quarter or which project successfully launches first. These are great motivators for your business. But what is ales targets aren’t met or projects are failing to launch or are delayed.

Managing a business can be risky. An understanding of how to identify, assess and mitigate the risks is essential skill for any business manager or owner. Equipped with the necessary skills and risk management tools managers can help reduce the chance of negative impacts on the business. Developing a risk management plan as the outset of any major project helps provide the guidelines on how to deal with expected and potentially even unforeseen events.

So just what is a business risk? A risk is any event or set of circumstances that have a negative impact on your business. It can be seen as a threat to the business. Some typical examples or events include, power failure, poor internet access, credit card fraud, computer or equipment failure, theft of company information.

These are all manageable events, albeit trying if they occur.

Business can also be effected by significant events, such as the recent lockdowns, flood, which entailed a variety of threats, from loss of trade, social isolation, difficulties in accessing information remotely, time to setup remote access systems, inability to securely communicate with the team. Weather events can have a significant impact for example, bushfires, floods and cyclones.

If you a primary producer or your business is in or relies upon regional trade, then this may include droughts. A particularly ominous event is loss of secret information, such as a secret ingredient in a recipe or close business relationships. This may occur on the loss of a senior staff member or the death of the owner.

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Common Business Risk Categories Managers and owners are faced with the many challenges and categorising risks can help streamline a response to a harmful event. There a numerous risk events and some relate to specific industries, such as seasonal risk for farmers. You can use the following lists of common risk categories but think beyond this list to identify risks relative to your business.

• Competitive Risk: The risk that your competition gains advantages over you preventing you from reaching your goals.

• Economic Risk: The risk that economic conditions will increase your cost of trading or reduce your sales • Operational Risk: The risk of failure in your daily operations or administrative processes.

• Security Risk: The risk that your premises are broken into, your computer systems or online profiles are hacked.

• Compliance Risk: The risk of violating laws, regulations, standards and codes of practice • Strategic Risk: The risk associated with the decisions made concerning your business goals and objectives • Reputational Risk: The risk of loss of goodwill due to perceived dishonest, disrespectful or incompetent practices.

• Financial Risk: The risk that those who owe you money fail to pay, or your debt exposure becomes too high.

• Country Risk: The risk of overexposure to the conditions in countries where you operate or trade • Environment Risk: The risk of external events occurring that the business has little control over such a cyclone or earthquake

Preparing a risk management plan Developing a risk management plan, helps you and your management team to quickly assess what to do if a risk event or potential risk event occurs.

Following a simple process you will be able to develop a risk management plan specific to your business.

1.

Identify the Risk

Identify

Assess

Risk

Risk

Manage

Monitor Risk

Risk

2.

Assess the Risk

Conduct a review of your business to identify the potential risks. Start by looking at each business function or area and identify what could have a negative impact on that function/area.

Consider the likelihood and the effect on your business should a risk occur. Then record ways that you might eliminate that risk and what controls or processes are currently in place to mitigate the risk. We have explained assessment techniques a little later in the article.

3.

4.

Manage the Risk

Where needed identify where ways to manage the risks need to be updates or implemented. Look at various options and consider the cost effective of each option.

You are seeking to avoid, reduce, transfer or accept the risk.

Monitor and Review

Even a good risk management plan needs regular review. Circumstances, laws, environmental facts change. Schedule an annual, half-yearly or even monthly review and prepare for an ad hoc review when you see the need.

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Assessing Risks There are many ways to assess business risks. If you are starting out the risks may be small and the threats to the business minimal. However as your business grows, the business risks increase and your analysis and assessment will become more refined.

A

risk analysis matrix is useful in prioritising risk and to either qualify or quantify the risks.

There are several ways to prioritise, you can complete a matrix using a word code, a colour code, a number ranking or a risk value.

Word Code typically uses Low, Medium, High or Extreme to signal to likely effect on the business if an event occurred.

Colour code or traffic-light reporting typically uses Red, Amber, and Green, with Red signally highest risk, Amber medium risk, and Green being lowest risk.

Number Ranking a risk is calculated using the formula: The likelihood(frequency) of a particular event occurring x the consequence (impact) if it occurred Risk Value assigns a quantified value to the potential loss using the formula: Risk Value = Probability of Event x Cost of Event

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SWOT Analysis As managers and team leaders you may be reminded of SWOT Analysis as a strategic planning technique. This technique is designed for use in the preliminary stages of decision-making and can be a useful tool to identify risks. SWOT has four parameters that assumes internal threats influence the business strengths and weaknesses, while external threats influences the business opportunities and threats.

Strengths: characteristics of the business that give it an advantage over others.

Weaknesses:

characteristics that business at a disadvantage to others.

place

the

Opportunities:

environment elements that the business may exploit to its advantage.

Threats:

environment elements that may cause trouble for the business.

Helpful

Harmful

Internal Influences

WEAKNESSES

External Influences

S W O T

STRENGTHS

OPPORTUNITIES

THREATS

You should include all necessary stakeholders when performing a SWOT Analysis. If you are a sole trader, you may not have relevant stakeholders, but you could substitute with your trusted business advisers, for example your accountant, lawyers, or bank manager.

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To perform the SWOT analysis, you will need to set aside a day.

These steps are a useful guide to follow. Start with one of the parameters; strengths, weaknesses, opportunities or threats.

1. Brainstorm the business’ weaknesses (or other parameter) 2. Analyse and prioritise the weaknesses 3. Repeat for each parameter 4. Define the strategies to reduce risk, for example.

5. Strengths to overcome weaknesses 6. Opportunities to overcome weaknesses 7. Strengths to overcome threats 8. Strengths to take advantage of opportunities

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Iceberg Theory As you progress through the risk management planning you will realise that there are just some risks that you will not know how they will impact your business. You may also fail to identify some risks. There will always be a hidden danger, known and the unknown risks and this is in itself a risk that you will have to accept.

Known Knowns

Known Unknowns

Unknown Knowns

Unknown Unknowns

Risk awareness is the key in helping you save money and time while protecting the trust and reputation your customers have in you and your business.

Ultimately, you may not be able to completely eliminate business risk and you may have to accept some risk, but proactive risk management planning can prepare you and save your business from harm.

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Passion 1. Any powerful or compelling emotion or feeling, as love or hate 2. A strong or extravagant fondness, enthusiasm, or desire for anything 64 Hepburn | Hepburn | 64

Exploring Flamenco Originating in Spain, this art form is a combination of folkloric music (guitarra), song (cante) and dance (baille). Flamenco dancing, El baille flamenco, is known for its emotional intensity, expressive arm movements and rhythmic foot stamping. Dancers attain a deep emotional state and express their emotions using body movements and facial expressions.

Traditionally, the art form was passed down through family and friends but many are professionally trained today and the dance form is now popular throughout the world.

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Flamenco

is an art form that is believed to have cultural influences from Romani (Gitano), Moorish, Shepardic Jewish, and Andulasian roots. Although flamenco is rooted in tradition, regional variations do exist. Dancers may clap their hands, snap their fingers, shout out, play castanets or tambourines whilst performing an improvised dance drawing from traditional movements and individual creativity. The male (bailaor) dance is characterised by toe and heel stamping, while the female (bailaora) dance is based on the body and hand movements.

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The spirit of flamenco is the cante, or song. There are three types of flamenco songs: cante jondo (deep song), cante flamenco (intermediate song), and cante chico (light song). The cante jondo, believed to be the oldest form, follows the themes of death, anguish, despair, or religious doubt.

As an accompanist to the dancer, the singer (cantaor) recounts the legends and stories of daily life that reflect the experiences of an outcast subculture within predominately Christian Spain.

The dancer is the interpreter of the song. The guitarist (tocoar) keeps the rhythm (compás) for the dancer’s individual rhythmic cadences.

Attaining el duende

Modern flamenco, Nuevo flamenco, is taught across the world where individuals learn the As an emotionally charged dance form, deeply basic skills of flamenco dancing, for enjoyment, recreation and fitness. El baille can help musical dancers fall into a heightened state develop coordination, fitness, and tone and of emotion, expression and creativity known strengthen the core while having fun, listening as duende. Duende is a translike state that transcends emotion. Duende is considered a gift to the beautiful music and learning to dance a flamenco. that naturally emerges during a performance.

It is the charisma of the artist that evokes an You may not reach el duende, but explore emotional state in not only the dancer but also in flamenco if you wish to improve your the audience. Gitano flamenco dancers regard coordination and fitness levels to the charm of the cante jondo as a form of prayer, so when in the flamenco guitar. To begin, you may choose duende, the dancer is communicating with both professional training or online classes. However God and the audience. Traditionally, it is believed we do recommend you seek guidance from an that duende is only achieved by the very young experienced instructor before beginning the or older flamenco dancers, i.e. those emotionally practice to reap full benefits of this emotional innocent and those who have a certain maturity. charged but graceful activity.

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Inspiring International Women

Jamie Margolin Jacqueline Hodges

“I am missing a lot of school to be here, it’s my senior year of high school, college application deadlines are looming and to be honest, I’ve barely started because I’m too busy fighting to make sure I’m actually going to have the future I am applying to study for.”

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There are few young women who consciously stand up for their beliefs and raise their voice enough to make the world listen. When it comes to

climate change you are can’t help but recall Greta Thunberg’s powerful speech.

But she is only one of a handful of young activists that attended the first United Nations Youth Climate Summit in 2019.

Jamie Margolin is one of these young environmental leaders. And we should be proud of her stance.

Jamie lives in Seattle, Washington, USA and began lobbying for real climate change. At just 14 years of age, she began speaking at protests and rallies, pushing local initiatives and educating local youth.

She even sued the State of Washington for its lack of action on climate change.

She is passionate and determined to make impactful change. At 14, Jamie co-founded the Zero Hour, a massive youth climate platform that is now an international movement.

She is an extraordinary young woman.

Refusing to remain quiet, to remain unseen.

She is a leader, leading a movement that has found international appeal amongst the youth. Zero Hour spanning the globe, stands for climate justice, including equity, racial justice, and economic justice. She advocates that climate justice benefits all people, of all races, classes, genders, orientations, and religious faiths. She advocates for a “Just Transition” that leaves no one behind in the move towards an environmentally sustainable economy.

“We had no power in creating the systems that are destroying our world and futures — and yet we are and will be paying the biggest price for the older generations’ recklessness.”

It is this determination and her desire to be heard that found her testifying at inaugural United Nations Climate Action summit. So passionate and concerned about the need for climate change she swapped school to deliver her speech to the Congress.

“I sued the State of Washington because I can’t breathe there.

They ignored me.”

She dreams of a liveable future. Her advocacy reaches broad goals and as a young woman of Colombian and Ashkenzai Jewish heritage, it is no wonder that her fight extends to those who are marginalised.

“I am especially proud of building a movement that is run by women of color. It provides a safe place for girls like me to lead.”

She is on a pathway towards a career in politics but won’t be eligible until 2021 when she is 30. But she is a person who name will be familiar with the youth. She has global appeal with followers in over 25 cities and she is familiar with addressing massive youth rallies. Last year, in 2020, Margolin spoke at several of the Bernie Sanders Presidential Campaign rallies. She was one of the youngest delegates at the 2020 campaign.

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Last year in 2020, Jamie commenced an undergraduate majoring in Film and Television at the New York University (Class of 2024). This will provide a new platform for her and the Zero Hour movement.

Jamie Margolin is among the powerful and inspiring youth activists leading a movement for climate justice, for a liveable future. It is one cause that we must remember and support for the future generations.

Jamie has spoken locally, nationally, and internationally and she has authored many feature articles. Her debut book, Youth to Power: Your Voice and How to Use It, published in 2020, is the essential guide to changemaking for aspiring young activists who want to spread a message, and sustaining long-term action.

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“People call my generation, Generation Z, as if we are the last generation. But we are not. We are refusing to be the last letter of the alphabet. I am here before the whole country today announcing that we are instead Generation GND Gen Green New Deal.”

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Resist or Adapt You Choose Autumn is the season of change and we can accept this change. It happens every year. it is constant. But when change is unexpected or forced upon us, it can be hard for us to accept. It can be hard for us to accept change unless we have the strategies to cope and adapt. And once we have these strategies to cope and adapt we can blossom and mature.

When faced with change you have a choice of either acceptance or resistance. Depending on the circumstances and the seriousness of your decision, change may affect your life and cause sleeplessness, anxiety and stress, as you are forced out of your comfort zone. But if you break down your resistance, and adapt, and accept the challenge to change you also begin to learn and grow. One thing to consider is why you are finding change difficult. Ask yourself, does change cause your negative emotions and feelings, or are these responses the result of your resistance to change and inability to move on and adapt?

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1.

Choose to Change

Embrace the opportunity for change. If the change is positive, accept it graciously. If the change has a negative impact resist the resistance and find a solution and adapt. Adaptability opens you to new ideas, makes you question the status quo, and allows you to expand you mindset and horizon. It expands your ability to handle unexpected challenges and uncertainties and to adjust your expectations to meet differing circumstances.

Change is happening so fast. In today’s fast-paced world, while your education, intelligence and experience are beneficial, it is your resilience that really matters. It is imperative that you as a leader be adaptable. No business can survive if its leaders do not have the coping mechanisms to face change. But to be a successful leader you cannot run head first to make change, you must plan your way forward. You must assess the opportunities and the risks. You must consider your business resources and capacity.

Only then can you create and carry out new plans.

2.

Choose to be Flexible

Dominated by the global pandemic, we are still living in a state of challenge and uncertainty. Planning is important in any business but plans fail due to unforeseen internal and external factors. 2020 highlighted the need for flexibility in our personal and business life.

We learnt to adapt and keep moving forward. We learnt to go with the flow and be a little more flexible in life.

But life has always been unpredictable and situations will always change. In your business life you demonstrate true leadership when you thrive under pressure by being flexible and adaptive.

Leaders may draw on three modes of flexibility. They draw on their cognitive flexibility by incorporating different thinking strategies into their decision-making. An emotionally flexible leader will vary their approach to their own and other’s emotional needs. Leaders display dispositional flexibility by seeing change as an opportunity, by having well-grounded optimism balanced by realism and openness.

“Your life does not get better by chance, it gets better by change.”

– Jim Rohn

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3.

Choose What You Can Control

You may not always be able to control the events that change in your life, but you can control how you react.

Uncertainty can cause fear. So rather than becoming overwhelmed by the things that you cannot control, focus on the things that you can control.

Understanding the focus of your Locus of Control will help prepare you for change. Leaders tend to have a strong internal locus of control. If you have an internal locus of control, you may feel that you control the events in your life. You will be self-motivated and focused on achieving your goals. If you have an external locus of control, you may believe that your life is controlled by luck, fate, or other people. You may give up when life doesn’t “go your way.” If you desire success, you can learn to shift towards an a stronger internal locus of control.

4.

Choose to Communicate

Your ability to communicate during times of change is perhaps the greatest tool you can have. Not only can you talk about the challenges you are facing with your team, colleagues, peers, friends and family but you can seek their advice and input and use this information to develop your change plan. Use the network to explore different scenarios, to help you in the decision-making process and ask for feedback. A feedback loop can remove biases and the risk of poor decisions. These people can also act as a support network to help you through a period of uncertainty.

Remember to nurture the meaningful relations in your personal as well as professional life. Reach out to your old friends more often and make new ones as well.

Treat others with kindness and compassion, for every human being deserves love and respect.

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5.

Choose a Healthier You

Change and uncertainty can bring out your negative emotions and feelings and affect your daily life and mental health.

You may even experience times of selfdoubt, anxiety or stress. Being ready to adapt means that you need to maintain a positive mental attitude. Your physical health is just as important, eat a healthy diet, exercise regularly, have a good sleep, take time out, relax and have fun.

Yesterday, today and tomorrow can never be the same. Life will never be as we have known it. Change is inevitable, it is the constant. But you have the power to choose to resist or adapt.

Life can be difficult to navigate in our fast-moving society. Things are changing so quickly these days that by the time you’ve opened the box of your new cell phone, it’s probably out of date.

– Barton Goldsmith

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Speak.

It's what you were born to do.

Get the daily list of local speaking gigs and speak to people outside your network.

Sandra Spencer

Cathryn Mahon

Jacqueline Hodges

I use Local Speakers to source

I use Local Speakers to source

I use Local Speakers to source

guests for my community radio

guests for my weekly podcast

guests to interview for my

and podcast show TECH Load.

called Community Heroes.

magazine Hepburn.

Local Speakers Your daily call to adventure

Now operating in beta at Hepburn | 77 localspeakers.com.au

Novuelle Cuisine 1. The art of preparing, serving and eating rich, delicate and appetising food 2. The study of the relationship between food and culture

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T

his issue we celebrate Mulled wine Day, so we invite you to try this month’s featured Cocktail the Glögg. For our sans alcohol Mocktail lovers we’ve featured Mulled Juice. For our spirited reader, bring out the scientist in you with this figgy bourbon recipe.

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Mocktail Spiced Juice Equipment

Ingredients 2-3

Cups strong tea (I use an Assam and steep it 5-6min)

1

Cup orange juice

Coffee filter (optional) Glass or clay mugs for serving

5 Cups mixed juices (cranberry, apple, and blueberry)

Directions

2

Cinnamon sticks

1.

Brew a batch of strong tea

1 tsp

Crushed allspice berries

2 tsp

Crushed cardamom seeds

8-10

Whole cloves

2.

In a large saucepan, warm juices, whole spices, and fresh ginger over a medium heat. Do not let the juice mixture boil.

2.5cm

Fresh ginger, cut into thin rounds

3.

Strain in strong tea and float orange slices on the top. Bring it up hot enough to steam, but not to boil.

4.

Keep hot at least 1 hour before serving, so the spices have time to mull.

5.

Add sugar in just before serving time, making sure it dissolves

1 Orange, sliced peel and all into rounds

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Brown sugar to taste

Cocktail

Equipment Large Saucepan

Glögg

Directions

Ingredients 3

Cardamom pods

1.

Tie the cardamom pods, cloves, cinnamon, and orange peel in cheesecloth.

8

Cloves

1

Cinnamon stick

2.

Place in the water, and bring to a boil.

1 cup

3.

Strip of orange peel, no pith

Water

Simmer, covered, for 10 minutes. Add almonds and raisins, and simmer another ` 10 minutes.

¼ cup

Blanched almonds

½ cup

Golden raisins

1

Bottle red Bordeaux

4.

Add wine, port, and Cognac. Bring to a quick boil, and remove from the heat. Cool and store, covered overnight.

1

Bottle port

½

Bottle Cognac

5.

Reheat the glögg, but do not boil. Add sugar to taste.

6.

Serve in warmed mugs or glasses, with a few almonds and raisins in each glass.

1

Sugar

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Infuse your own Figgy Boubon Ingredients 1 bottle Bourbon (750 mL) 250gms Turkish figs (dried; diced)

Directions

1.

Gather the ingredients.

125gms Black Genoa figs (dried; diced)

2.

In a large glass jar, pour a full bottle of bourbon.

Equipment

3.

Add diced, dried Turkish figs and diced, dried mission (black) figs.

4.

Seal the jar tightly, and allow the infusion to rest in a cool, dark place for 5 to 7 days, agitating the mixture every 24 hours.

1 litre mason jar fine strainer cheesecloth 2 funnels- one small/one large

Variations

5.

Strain the infusion first through a fine mesh

strainer, then through cheese cloth, pouring

the strained liquor back into the original bottle.

Try different varieties figs such as the Violette De Bordeaux and Picone Black.

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Canapes Fig Florets with Gorganzola Ingredients 12

Ripe figs

100gm

Gorganzola or other blue cheese

12

walnuts

Vegetable oil (or other neutral flavoured oil)

Salt and Black pepper (to taste)

Equipment Large frying pan Serving platter

Directions 1.

Make a vertical slit in the side of each fig

2.

Stuff with 1/2 tspn of blue cheese. You may need

more or less cheese depending on the size of the fig.

3.

Heat a large frying pan over medium-high heat, spray or brush the figs with oil, and cook them until lightly browned on all sides. Cheese will melt slightly.

4.

Top each floret with a walnut when ready to serve

Variation 1.

Stuff with Brie or Camembert and drizzle with spiced honey

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Fig and Brie Stack Ingredients

12

Directions Ripe figs

100gm Brie

Equipment Baking tray Serving platter

1.

Slice figs horizontally.

2.

Thinly slice brie to same size as figs

3.

Layer the figs and brie making

sure to start and end with the fig

4.

Cook in microwave for one to two minutes.

5.

Serve warm.

Variation

1.

Do not heat the figs, serve cold

2.

Add a slice of apple or pear to each brie layer and sprinkle with brown sugar

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Leisure 1. Freedom from the demands of work or duty 2. Unhurried ease 88 | Hepburn

Indulge the Basalt Plains Neil Churches The Changing Seasons: chill winds, long nights, short days, hot food, warm hearths, a time to gather with others at a hearty meal. A time to listen to wild tales, gentle stories, and share quiet memories. These moments around a table can be adventures in conversation. They are special at home, they are also special at rare places in the landscape. The Basalt Plains of Victoria have some unique places to share the warmth of tabletalk; sheltered gardens, grand dining rooms, and shearers’ huts For thousands of years the Western District of Victoria has been the richest landscape in Australia. Its basalt based soil creating a fertile plain of abundance. If you can reward yourself with two or more days travel from Melbourne, there are remarkable hidden gems of landscape that emerge above the horizon as you travel.

From the small wildernesses of remnant dry rainforests to woolsheds, native grass fields to stunning crater lakes. Climb a green cinder cone to count how many other dormant volcanoes can be seen in any direction.

Koroitj (Tower Hill) merges with the Southern Ocean and has its own microclimate within and surrounding its crater. The Sisters are an extraordinary landscape of interlocking craters of vast size, there is a remarkable sense of enfolding and enclosure as you pass through them on the way to the pale blue waters of to Lake Kurrumbeit. The Cloven Hills, Derrinallum (Mount Elephant), and Camperdown are all landmarks that change their mood depending on the time of day and angle of approach.

If you are eagle eyed you can see the grand family houses nestled at the feet of other volcanic hills. You will also see the wealth of the district proudly displayed in the grandeur of the local towns. A quality of architecture that rivals that of the goldfields, but paid for by agriculture not mining.

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Remarkably there are pictures of most of these places from the 1850s. Painted by the first curator of the National Gallery of Victoria; Eugen von Guerard, who travelled through the district as an illustrator for scientific expeditions. Placing yourself at the viewpoint of these paintings and sketches allows you to see how the bones of the landscape remain constant, while the skin has been shifted. They are a remarkable images, the first accurate European visual record and a view of ancient husbandry and cultivation.

The new food and wine culture emerging from The Basalt Plains is beginning to attract attention. Engaging these new approaches with the older cultures of the region makes for some remarkable possibilities. The longest continuous culture, the plains’ traditional custodians, have won UNESCO recognition for their aquaculture landscape at Budj Bim. The colonial culture of graziers remains intact with some families resident in their bluestone palaces since the 1830s. The conversations opening between these old and new residents is creating some interesting gourmet experiences.

This is matched by exploration of story emerging in the small towns and communities around these magical hills. From bizarre talent night fundraisers that gather amazing performances, to the celebration of local literary heroes, like Alan Marshall in his home landscape of Noorat and Terang. Stories told about landscape and journeying, departure and arrival, belonging and dislocation. Family stories thousands of years old that intertwine with those almost “fresh off the boat.”

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Indulge The Basalt is a new adventure touring business bringing this landscape and cuisine to the sophisticated traveller. The experiences available over the seasons are curated into a series of small group tours. This local knowledge is shared over meals at surprising locations, a garden here, a hilltop there, as well as in warmth and comfort of a snug near the fire.

Local variations of traditional recipes both indigenous, Asian and European are explored in the meals that follows the walks around and across the sleeping giants of the plain. There are discussions with winemakers throughout the journey about adapting European and New World viticulture methods to the Basalt Plains.

This may be comprehensively tested in tasting and food matching by any hungry adventurers.

Each day begins with a deluxe breakfast at a new hearth. There will be approximately three hours of driving time through the landscape per day and three hours walking per day, up and down volcanic slopes and around volcanic lakes.

Two, three or four day journeys are on offer, all departing Melbourne. Small groups of six guests are driven in luxury vans and stay in deluxe rooms. All luggage is ported and a fully guided service is provided throughout the journey.

Join us Indulging The Basalt www.indulgethebasalt.com Old Spaces, Dark Soil, Fresh Tastes

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Coming Up: Counterpoint About Counterpoint Audiences will enjoy a double bill of the elegant juxtaposed with the modern. Artifact suite is an ensemble work of clarified speed, extensions of form and dynamically fast weight changes, performed to Bach’s Chaconne and piano pieces by composer Eva CrossmanHecht. 19th-century classic Raymonda (Act III) epicts the wedding of the hero and heroine and celebrates classical technique with Hungarian inflected dances. This redition is faithful to the traditional choreography of Marius Petipa. Audiences will also enjoy a performance of George Balanchine’s Tchaikovsky Pas De Deux, a brief but thrilling divertissement.

The Performances Counterpointe, performed by the Australian Ballet at the Sydney Opera House. Raymondo (Act III) is David Hallberg’s first ballet as Artistic Director for the Australian Ballet. The performance commences on 27 April and will continue through to 15 May 2021.

To book your tickets or learn more about the event, visit www.australianballet.com.au

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Book Now

Powered by

The Winds of Change Our philosophy is built on using the wind and currents to follow the sun, offering guests a sustainable way to see the world. With small guest numbers and an expansive upper deck, we offer guest space to relax on deck and feel the momentum of the ship, as the wind fills the sails.

Let us take you on the voyage of a lifetime Powered by nature

Visits to remote locations

Small guest numbers

Covid 19 protection

Open decks

Financial Protection

to book please visit tradewindvoyages.com or call 0808 239 9289

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Sky

Colour my

This season is a perfect opportunity to see the landscape and the changing hues Autumn brings. To lift your spirit, we thought we would dive in and tempt you with our pick of seven leisure pursuits to have you soaring.

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Helicopters & Planes Whether is a 20 minute scenic helicopter flight over the Sydney Harbour or a three-day charter flight across Lake Eyre and the interior just to get the right perspective you will enjoy spectacular panoramic views no matter which seat you are in. From the sky you can marvel at the beauty of the country in a way that just isn’t possible from the ground. A scenic flight is a perfect way to spoil yourself for the day, If you are looking for a unique way to visit some mysterious remote locations a guided multiday tour will keep you entertained, charmed and inspired. Now if you like a little more control, are up for a real challenge, and want to soar to your own tune, then perhaps its time to find a flight school. Remember to slip, slop slap and drink plenty of water.

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Hot Air Ballooning There is no better way to see the undulating landscape, the serpentine rivers, the rolling hills and the patchwork of farmlands, than floating through the sky in a hot air balloon, 5,000 feet above the ground. For the romantic at heart it is the ultimate romantic experience, holding your loved one as the first rays of sunlight begin to peep over the horizon, and then transform into a magnificent sunrise. But be prepared it’s an early 5:30am start and a hands on immersive experience as you help setup and inflate the balloon and help roll it up at the end of the flight.

You need to be flexible with time, you are at the mercy of the winds and the balloon with travel where the winds blow. There are some magical balloon flights in Australia, you could be drifting over the Yarra Valley, Brisbane‘s Scenic Rim, Tropical North Queensland, and Melbourne at sunrise.

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Hang Gliding If you are looking for something a little more adventurous and want to know what it feels like to let yourself glide cross-country through the air, shoot up through the thermals and just soar for hours, then you might like to try hang gliding. Hang gliding is like a choose your own adventure, you can be towed into action behind a boat to enjoy the coastal shoreline and catch glimpses of dolphin pods, be like Fred Flinstone with pedal power only and run down a hill, be aerotowed by a small plane or use a powered harness and launch yourself into the blue yonder. Be prepared to be suspended from the triangular airframe and control your flight by shifting your body. But you won’t be going alone on your first flight. You will need to find a specialist fly school.

Oh, and by the way, its another Australian Invention. Australian, John Wallace Dickenson has been credited with inventing the modern hang glider.

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Sky Diving Ever wondered why skydiving is called skydiving.

Well that just it, you are diving out of a plane at around 15,000 feet into the sky! You will then freefall at around 200kms per hour for 60 seconds before the parachute opens floating you through the sky. This is an adrenalin packed adventure for the thrill seekers. You will need intensive training prior to diving alone, but you can take a tandem dive if you don’t want to wait for the training. You might find yourself, sky diving the scenic rim at Toogoolawah, taking a beach jump on Sydney’s spectacular beaches or for the brave a city jump in the heart of Melbourne. And for a practice run you could try an indoor sky-diving experience.

It won’t give you the same experience as sky diving does but you will be surprised by the weightlessness. And be prepared for some bumps and bruises.

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Ziplining Originating in Asia, this adventurous recreational activity has actually been around for about 2,000 years. A zipline is an aerial runway that relies on gravity for movement. It may not take you to the great heights, but you will still need courage to step of the platform and don’t look down or you might suddenly realise that platform is fairly high of the ground. The Gold Coast’s Tree Top Challenge boasts the longest zipline in Australia. Its Canyon Flyer will have you experiencing a three hour guided tour of 1.5m of zip lines suspended 60 m above ground and speeds of up to 70kms per hour. You could be jungle surfing in the Daintree or zooming through the Huon Pines in Underwood, Tasmania. Ziplining might not take you up, up and away but it is exhilarating and your feet at definitely off the ground.

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Drone Pilot If you are a little risk adverse and not really wanting to lift your feet of the ground, you can still enjoy the scenery. You can combine two hobbies, view the scenery from terra firm and take some spectacular scenic photographs or video clips to enjoy and share. This is a tow in one hobby.

You will be learning to navigate your drone from your remote location and learning to take great shots using different cameras. You will need a good quality drone that can carry a camera or video recorder. While you might not need a drone licence it might be best to have some lessons from the experts, so you have the right techniques for capturing the best shots. You might even need some photography lessons. The added bonus is you’ll be free to choose where and when you take your drone flying!

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Wingsuits Frighteningly scary, but we all secretly want to try it. How awesome are those wingsuits.

This is a three in one experience, that starts with a skydive or a base jump and ends with parachuting. Soaring like a bird through the sky, through canyons, flying close to the cliff face. This is not a sport for a novice. It is an extreme sport for the very experienced skydiver. To master this activity safely, you will need to be an experienced skydiver, wingsuit pilot and BASE jumper. This means training and practice, potentially years of practice.

They make it look so easy and fun, but without this experience you run the risk of serious injury The Australian Parachute Federation mandates that you have at least 500 freefall skydives or 200 in the last 18 months, and you must receive one-on-one instruction from an experienced and qualified wingsuit trainer.

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For solutions, visit https://hepburnmag.co/solutions

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Diagrammar

Clues

Find the intersect for three words.

All words contain some of the same letters.

The Central Intersect has been filled for you The other intersects may have 1 or 2 letters The circles may have 1 or 2 letters All sections must contain at least one letter

Planes, Trains, Travel

A Seasons, Leaves, Stream

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For solutions, visit https://hepburnmag.co/solutions

Autumn Leaves Unscramble the letters to match these autumn leaves and make them whole again.

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Subscribe to Hepburn www.hepburnmag.co

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In Conversations Hepburn Series

We have an great lineup of Amazing and Aspiring women this year.

If you are a business woman with a story to share, please email the editor on submissions@10ellenmedia.com

We invite you to subscribe to our YouTube channel and Podcasts to listen to future episodes.

Subscribe to Hepburn YouTube and podcasts 112 | Hepburn

About 10Ellen 10 Ellen Media is a privately owned, vibrant and youthful company that includes a portfolio of print and digital content.

Based in Ipswich, Queensland, 10 Ellen Media reaches to national and international readers of all life stages.

Our work reflects our values of living in total harmony with ourselves and those around us while indulging in pleasures every now and then. We inspire our readers to seize the little moments of joy while working, cooking, traveling, creating, and just being.

Our creative teams collaborate with the readers and industry professionals to share their stories, creations, and beautiful ways of living and learning. The readers enjoy access to our work in their preferred channels that include print and digital articles, podcasts, social media groups, and video content. We welcome the experiences of our readers to create a community of like-minded people who share common interests and goals.

Our portfolio includes print and digital content inspired by the simple pleasures of life, wellbeing, travel, food, creativity, and community-building.

Our Portfolio

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