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Health & Wellbeing How can we prevent degenerative diseases?


Donating to a greater cause


• Getting your affirs in order • The aging process • Can you to retire? Laterafford Life July 2011/12 •1

Planning for Retirement? Your Goals are Our Goals. • • • •

Pre-retirement & retirement planning Wealth creation and investment advice Superannuation strategies Rollovers & pensions

• Personal insurance • Wealth transfer and estate planning • Accountancy and taxation

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Managing, protecting & building your wealth... now and in the future. Visit us at or call (02) 9970 3111. 2 • Later Life July Yuille 2011/12 Osborne Financial Planning is a Corporate Authorised Representative of Securitor Financial Group Ltd.

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from the editor

Editor’s Letter Welcome to our new magazine Later Life which is directed towards Seniors. We are very excited to have the opportunity to offer a wealth of information for those in their later years. This is the time of life when you look forward to doing all those things you have wanted to do but were too busy with work, raising families and all the other pressures of life. It is a time when you can catch up on hobbies, do volunteer work, travel overseas, or even maybe have a career change – ‘it is never too late’. Actually it can be an exciting time of life – enjoy and make the most of it. One thing I have learnt is that age is totally irrelevant to God. We can keep going with his work until he takes us home. Being a Senior means you have maturity to help younger people, you have experiences in life that you can always remember and pass on to others. Also, you may have grandchildren who you can enjoy and then hand back to the parents! There are some very informative articles in Later Life. We talk about finding your destiny, no matter what age you are; making sure your affairs are in order by making a will and estate planning; health and fitness; donating and leaving a legacy – in fact a number of interesting topics for you to read and consider the information available. Being a Senior can be an exciting time in life but we need to be fit and healthy to enjoy it and we also need to plan for the future. Enjoy reading our new publication and may God bless you.

Lynn Goldsmith 4 • Later Life July 2011/12



Later Life July 2011/12 • 5


inside this issue... 4 Editor’s Letter 8 Finding your destiny Life is to be lived and it’s never too late to find your destiny in God

12 Donating to a greater cause Regardless of the path our lives take, we all desire to live, create and leave a legacy of meaning and purpose



14 How can we prevent degenerative diseases? Don’t let the senior years prevent you from enjoying life to the full..Anita Narayan

s act u Cont r FREE u for yo sonal Per ds r Reco o o b k

18 History of the Pilgrimage Travel and see places relevant to the Christian faith

Aged care and retirement living options to suit you As a senior, when your lifestyle changes it is comforting to know that you have choices that recognise your unique and individual needs. At Churches of Christ Care we can answer all your aged care questions and provide you with options to suit every stage of life. Retirement Living Enjoy our social programs and community lifestyle in modern, fully refurbished units plus onsite security with easy access to community and aged care services when needed.


Community Aged Care Packages can be individually planned to assist with meals, personal care, transport, social activities at home.

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6 • Later Life July 2011/12

21 What to do when you retire Life can begin again when you retire. It can mean you have the time and energy to do all those things you have wanted to do 24 DIY Super. Is it the way to go? John Osborne debates the pros and cons of Self Managed Super Funds 26 Mentoring and donating of your time There is no greater fulfilment in life than that of service to others, whether it is to Christian missions, charities or communities 28 Getting your affairs in order We talk about the importance of being organised in our life’s affairs - financial, personal, business – in fact all aspects of our lives

Where there’s a will,

there’s a way...

The Christian Ministries With Disabled Trust is an interdenominational organisation that caters for people who have any kind of disability. The various ministries under the umbrella of the Trust help fulfil the three aims: Evangelise people, both with and without disabilities; Equip people to grow spiritually, mentally and socially to reach their full potential; Educate the church and community about how to assist people with disabilities and to appreciate their talents and potential

Many people with disabilities have been blessed through the Trust and its various ministries, both in New Zealand and through its overseas branches. Your gift will ensure that many others will be blessed and nurtured to reach their fullest potential.

Later Life July 2011/12 • 7


It is never too late to find the will of God in your life. Life is to be lived and as we get older we need to keep our bodies and minds healthy and fit to fulfil our destiny. Start now and ‘Never Give Up’.

finding your


8 • Later Life July 2011/12


he high destiny of the individual is to serve rather than to rule. Albert Einstein

Destiny is seen as a sequence of events that is inevitable and unchangeable. It is a predetermined course of events considered as something beyond human power or control. Going through life without a good idea of your life calling and life purpose is like walking through a strange wood forest without a compass. As the numbers of those reaching the over sixty five years of age mark increases rapidly there is an opportunity to both find and provide new experiences and challenges that will assist older adults to enjoy the years ahead. Many in this age group face issues like retirement, loss of status, uncertain

future, adapting to the rapidly changing world in which we live, loss of a partner, social changes, new technology, living with regrets and unfulfilled dreams and maybe the demands of two people rattling around twenty four hours a day in the same space. At one time it was felt that the reward for retirement was to put the feet up and do nothing, like the old TV program ‘Waiting on God’ or ‘One Foot In The Grave.’ As a matter of fact, most Seniors are satisfied with their lives despite the challenges of growing older. People who are emotionally healthy are in control of their emotions and their behaviour. They are able to handle life’s inevitable challenges, build strong relationships, and lead productive, fulfilling lives. When bad things hap-

pen, they’re able to bounce back and move on. Research tells us that doing nothing is the worst thing we can do, that our bodies and minds are designed to perform for many more years. Now is the time to explore the opportunities and challenges available. Research has also shown that age need not be an issue.- How long is it since you have tried something you have never done before? Making the move from non involvement to becoming an active participant is not always easy. It’s never too late to find your destiny. It’s not over till it’s over. Keep praying and seeking for what it is you are meant to be doing. Destiny is something that God has placed within each one of us. Some people step into

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Research tells us that doing nothing is the worst

Participating in activities you enjoy - Pursue whatever hobbies or pastimes bring or used to bring you joy.

Volunteer your time and learn a new skill.

Maintain a healthy diet and exercise (to relieve stress and boost your mood) even if you’re ill, frail, or disabled, there are many safe exercises you can do to build your strength and boost your mood—even from a chair or wheelchair.

thing we can do, that our bodies and minds are designed to perform for many more years this at an early age and others find it in their later life. Even if you retire and think you have reached your fulfilment, there is always more to do. Destiny keeps moving forward – God wants you to keep searching to find his will for your life. Start now and ‘Never Give Up’. •

Step out and embrace the world – Try not to stay cooped up at home all day.

Get enough rest and get enough sleep.

Get a dose of sunlight every day. Sunlight lifts your mood.

Try to make friends with people of different ages. You may be pleasantly surprised to find how

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much you have in common with someone 15 or 20 years younger than you. •

Very young children can brighten up your life. Spend time with grandchildren and great-nieces and nephews.

If you can afford it, travel. There are probably places you have wanted to see all your life.

Make time for appreciation. Think about the things you’re grateful for.


1. People You Love - These are the types of people, clients, customers, co-workers and bosses you love to be around and work with

2. Experiences You Love

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These are the events, situations, circumstances and sensations you love to experience and be a part of. You may love experiencing a special time of day, or being able to watch the tide come in. For others it is finding a great gift or holding a baby in their arms. •

3. Places You Love - These are the locations and environments you love to be in. It may be a forest in the Australian bush. It may be the mountains, a broadway stage, or a bookstore. 4. The Problems, Issues and Needs You Love To Solve - The problems, issues and needs you love to solve are the tasks you love to fill your workday with. They add meaning and purpose to life and create work you deeply care about. It could be how to conjugate a verb, save a rainforest or stuff a goose. 5. Activities You Love - These are the tasks and projects you love to do ... the things that keep you up late at night, fill your weekends, and you dream of doing when you retire. Whether you love to create worlds, demolish old buildings, or plant spring bulbs, these activities keep your life alive. 6. Things You Love - These are the physical things ... tools, materials and objects ... you love to work with and be around. They are the things you love to handle, which inspire and delight you -- and they help create work you are passionate about. It could be old ship’s masts, new books, Indian rugs, perfume bottles or your personal collection of vinyl 45s

7. Ideas and Knowledge You Love - Ever lost track of time while learning about something you loved? These are the ideas and knowledge you love to think and talk about, and want to work with every day. From tide schedules and theories of the Universe, to military maneuvers and hair dye formulas ... these are the food your brain thrives on.

8. Your Gifts and Talents - Your gifts and talents are the abilities you excel at and define the work you are naturally great at. Whether you can always point north, know when it is going to rain, feel a hit record or identify animal tracks in the snow ... these are the activities you excel at.

Whatever it is, whatever you do, try and find your destiny as God has ordained. This will bring you to utter fulfilment and a life worth living.

Retirees’ Mornings Still learning..still growing… Are you retired or no longer working full-time? Want to keep learning about to learn new things, ask new questions, think about life’s big issues? Do you want to be challenged in your Christian journey and relationship with God ? Morling Retirees’ Mornings take place on Friday mornings starting 22 July in the chapel from 9.30-12 noon. Cost for each block $30 (single) $50 (couple). Single day attendances are welcome at $5 Each morning will have the same structure: 9.45-9.50 Prayer, announcements 9.50-10.40 Bible Teaching 10.40-11.10 Morning Tea 11.10-12 noon Topic of Interest

For more information visit 120 Herring Rd, Macquarie Park, Phone: 9878 0201 Later Life July 2011/12 • 11


Donating to a GREATER cause Leaving a legacy and making donations to worthwhile causes is something that most of us would like to achieve in this life. Regardless of the path our lives take, we all desire to live, create and leave a legacy of meaning and purpose.

nt for eparing a patie Lord McColl pr w s y with hi ife cataract surger l Dr Jean McCol


ne hundred years from now, it will not matter what my bank account was, or how big my house was, or what kind of car I drove, but the world may be a better place because I was important in the life of another. Forrest Whitcraft So, what is a legacy? It’s making a real and lasting difference to hundreds of people for years to come.It’s the sum of your life so far. It’s your financial and personal assets, your stories, gifts and life experiences. It’s an extension of your values, beliefs and philosophies. It’s the influence you have or the impressions you make in the life of someone else. 12 • Later Life July 2011/12

A living legacy can start today and may continue many years into the future. It’s something that’s established by you and meaningful to you and others. Experience the satisfaction that comes with establishing your living legacy now. Make it meaningful and ensure a part of you survives beyond your own lifetime. Your family or others become the beneficiaries of your living legacy. It’s important that you are confident your donation is going to a bona fide charity. You need to validate the financial and legal status of charities and missions, particularly overseas, to help you give safely and securely to causes worldwide. One of the great ways to leave a legacy is to donate to Christian missions, or to leave a legacy in your will so missions can keep moving forward to spread the Gospel. The objective of these missionaries is to give an understandable presentation of their beliefs with the hope that people will choose to follow the teaching of Jesus Christ and live their lives as his disciples. This all takes money of course and you can be part of giving into God’s kingdom by donating or leaving a legacy. The majority of churches strongly emphasise the need for committed giv-

ing; very few talk to their congregations about the importance of leaving a legacy to a Christian charity. Thousands of Christians die each year, yet many churches are not encouraging them to leave a legacy, according to Christian Legacy a consortium of six charities. “What do you want your Christian legacy to be? Leaving a gift to charity or missions in your will is an amazing way for your generosity to last beyond your own lifetime. The same generosity applies for donations you can now make to your favourite mission or organisation. Apart from your family, what greater gift can you give than to Christian missions so the Great Commission can be carried out throughout the world. Creating a living legacy according to what is important to you, means that your values will continue to live well past your time in this world. Bob Pierce, World Vision founder said, “Let my heart be broken with the things that break God’s heart.”

“Let my heart be broken with the things that break God’s heart” “One of my greatest passions is volunteering onboard a Mercy Ship, performing surgery that literally gives new life. Seeing the joy of a patient who has received a long awaited operation on a cleft lip or facial tumour never ceases to give me immense personal satisfaction. This gift of new life is only possible because of caring, generous people who can continue transforming lives long into the future by remembering (organisations such as) Mercy Ships in your Will. Your legacy could enable people to see or walk or smile for the first time through life-transforming surgeries that in many cases, you could even save lives!

Your legacy could even transform the lives of whole communities through development projects. Imagine funding a health care clinic, safe water supply, or an agriculture project for an entire village. Without legacies, we could not carry out this level of work, let alone reach the increasing number of people in need into the future. That’s the life-changing difference a legacy can make. Anything you give takes us one step closer to a world where no one is left to suffer simply because they have no access to health care and other basic necessities. This has to be a future worth investing in!”

Professor the Lord McColl; Emeritus Professor of Surgery at Guy’s Hospital in London. Lord McColl was the personal secretary for Sir John Major while he was Prime Minister 1994-97; Deputy Speaker 1994-97, 1998-2002; Deputy Chairman of Committees 1994-97, 1998-2002; Opposition Spokesperson for Health 1997-2010. Lord McColl is the vice-chairman of Mercy Ships International, and has been performing surgeries onboard since 1996. He is a passionate and deeply committed Christian

Now is the PERFECT time to study God’s Word... • • • • • •

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How can we prevent

degenerative diseases

14 • Later Life July 2011/12

Don’t let the senior years prevent you from enjoying life to the full... Anita Narayan


ost people simply accept the onset of cancer, arthritis, heart disease and diabetes as an inevitable result of the aging process. The truth is these conditions are largely preventable. Health is a matter of choice, such as choosing to eat a healthy balanced meal, instead of a non-nutritional meal – which includes high refined sugar and white flour, high fat calorie dense food. Some experts believe that 80% of cancer deaths are also avoidable. As well, over 90% of type-2 diabetes, a major health risk for thousands of people is preventable, all through modification in diet and exercise. The solution is almost too easy to imagine. Diseases that include arthritis, osteoporosis, lupus, fibromyalgia, inflammatory bowel disorder, Alzheimers and Parkinson diseases are but a few of the many chronic disorders that are the consequences of years of neglect and abuse to nutritional needs of the human body. These degenerative diseases become a life sentence in most cases, stealing years from victims, or sentencing them to a lifetime of needless suffering and pain. Today, it is so necessary to fortify our diets with high nutritional supplements to replenish our bodies with missing nutrients. A well balanced diet, high in fruit and vegetables, wholegrains, legumes and organic meat, fish, (high in omega oils) and nuts is essential.

Later Life July 2011/12 • 15


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Letter from a Breast Cancer survivor “I’ve been a member of my local gym for five years now, having joined at the age of 63 and I can honestly say it was one of the best decisions I have ever made. My health and fitness have improved so much, especially after having had Breast Cancer and Lymphoedema two years prior to joining. Lymphoedema is a swelling of the arm when Lymph Nodes have been removed during Breast Cancer surgery, requiring the wearing of an elastic sleeve. Since joining the gym I no longer need the sleeve as my arm has gone back to normal, thanks to the expert advice and help from the trainers at the gym. My weight has stabilised and my friends give me compliments on how trim I look, the biggest compliment coming from my Doctor.” Bev.

Occupying yourself in some kind of sporting activity or gym will bring a lot of benefits to your mind, body and soul My advice as a personal trainer for the last five years, and previous to that battling with my own health issues, is to eat well and exercise regularly – this will enable us to enjoy life so much more right now! Regardless of what age you are –please make an effort to make the necessary changes in lifestyle and diet and engage yourself in any activity that you enjoy. Choose any kind of activity – walking, weight bearing exercises, low impact dancing, aqua aerobics,

bush walking, golf, tennis, pilates, low impact aerobics, gardening (creating gardens is very thereputic). When you retire from the workforce your body tends to become lazy and less active, hence you can easily become bored with life. So it is easy to start making wrong choices. Occupying yourself in some kind of sporting activity or gym will bring a lot of benefits to your mind, body and soul. Why accept old age as an old rug to be thrown into retirement homes and nursing homes when you can choose to enjoy life with good health, with your

children, your grandchildren, friends and family – setting a good example for the younger generation. Be wise for the younger generation – they need your wisdom. Don’t throw yourself into a nursing home, only to be treated as a bed number patient. Live your dream, the older you are the wiser you are and we all need wisdom and guidance. Anita Narayan Personal trainer

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Education & Humanities

Social Sciences

Ministries Contact D’Wayne Wigley Email: Phone: 07 3347 7900 Later Life July 2011/12 • 17


History of the


18 • Later Life July 2011/12

The senior years can bring about the possibility of travel. What better way to see the world than including visiting places relevant to the Christian faith... Bob Daniel


ilgrimages - journeys to sacred places - are as old as civilization. Today ‘faith’ travel is continuing to grow and Christians are seeking to strengthen their beliefs by visiting places throughout the world that are relevant to their faith, whether it be mission related or following in the footsteps of Jesus our Lord. Christian pilgrims, from early in the second century, travelled great distances to venerate places in the Holy Land sanctified by the presence of Jesus Christ, the Virgin Mary, or the Apostles. Although travel was always difficult and often perilous, by the end of the fourth century pilgrimages to the Holy Land were relatively common. Rome, as it became the centre of the Christian faith, became a frequent pilgrimage destination, as did Greece and Egypt, where the faithful could follow the footsteps of the Apostles. By the Middle Ages, pilgrimages had become a significant part of Christian devotional life, whether they involved a journey between neighbouring cities or across half the civilized world. Churches and cathedrals throughout Europe holding relics of the Holy Family, the Apostles, and other early saints, drew throngs of the faithful, from common people and parish priests to emperors and popes. The role of such relics - particularly those that were instruments of Christ’s Passion - is strong in pilgrimage, and many have survived to our time. Notre Dame Cathedral in Paris, for example, enshrines part of the Crown of Thorns, wood from the Cross, and a nail from the Crucifixion. Kept in individual reliquaries encased in a gilded ark, they are on view during Lent. The Sanctum Sanctorum

Victorie 63 years old received a free operation

Making a Difference in a worlD of neeD Your gift today will change a life forever. Thank you ! $25 can help restore sight $50 can help repair a cleft lip $100 can help remove a tumour Mercy Ships, PO Box 13673, Onehunga, Auckland 1643 Bank Acct 03 1549 0000141 00 Phone for receipt or to make a credit card donation 0800 637297 CC26854

Later Life July 2011/12 • 19


Popular pilgrimages today follow the Exodus of God’s people from Egypt, through the Sinai to Jordan and on to the Promised Land

Chapel in Rome has relics of the Cross, Christ’s sandals, and a portrait of Christ “not painted by mortal hands.” At Aachen, Germany relics include the infant Jesus’ swaddling clothes and the Virgin’s veil. Numerous places have become the destinations of Catholic pilgrims because of apparitions of the Blessed Virgin, particularly in the nineteenth and twentieth centuries. Framed among them are Lourdes and La Salette in France and Fatima in Portugal; at all three, the Virgin appeared to young children and urged mankind’s repentance and prayer. Pilgrims now number in the millions, and devotion has resulted in numberless reported favours and cures. Church authorities are cautious

about giving credence to accounts of apparitions of Mary and approving of devotion at the places where they occur. Since the early nineteenth century, about 200 reports of such apparitions have been investigated, and only about one in 40 has received canonical sanction. In addition to Lourdes, La Salette, and Fatima, sanctioned apparitions since 1842 have occurred at the church of Saint Andrea della Frate in Rome and at Illaca in Croatia, Philippsedorf in Germany, Pontmain in France, Knock in Ireland, and Beauraing and Banneux in Belgium. In England, as in a number of other European countries, the Reformation proved to be a watershed in the history of pilgrimage to holy places. Catholic and Orthodox Christians continued to revere traditional shrines but in countries touched by the Reformation, pilgrimage, linked as it was with the cult of the saints, the veneration of images, the earning of merit and the granting of indulgences, was a prime target. The leading Reformer Martin Luther moved from questioning the value of pilgrimages to outright condemnation. In 1520 he declared “all pilgrimages should be stopped. There is no good in them: no commandment enjoins them, no obedience attaches to them.” Before long, the majority of English

shrines had been destroyed; their statues and relics discredited. The monasteries, which had supported ‘place’ pilgrimage through maintaining shrines and providing hospitality for pilgrims, were suppressed. Protestants might have turned away but the continuing power of pilgrimage to shape the faith of a believer can be seen in the work of a number of postReformation writers. Today, with travel so much easier than it ever has been through the ages, the Christian Pilgrim finds walking in the footsteps of Jesus or visiting sites spoken about by the Apostles, make the Bible come alive. It is truly a means of strengthening one’s faith particularly for groups of Christians travelling together in common fellowship. Popular pilgrimages today follow the Exodus of God’s people from Egypt, through the Sinai to Jordan and on to the Promised Land. Others visit Jesus’ homeland and follow the spread of Christianity through the churches of Asia Minor in present day Turkey. Guidepost Christian Heritage Tours provides Christians in Australia with the opportunity to join pilgrimage groups throughout the world.


Bob Daniel Guidepost Christian Heritage Tours

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What to do when you retire Honouring dreams of old Life can begin again when you retire. It can mean you have the time and energy to do all those things you have wanted to do, but were too busy to participate in.


iven that most Australians are now living much longer – and stronger – the good news is that we will all probably spend more time after full-time work, getting a new life! This is a stage which was previously called retirement. There are no magic new names for the post-work stage, but it’s definitely not the old-style retirement of cardigan and slippers. Most people have the belief that they all value their independence very highly and the best way to maintain independence is through good health

NEVER GIVE UP! “Never Give Up is a great read for people of all ages, backgrounds and beliefs and Grennell’s warm heart and wonderful sense of humour shine through this walking testimony of finding one’s purpose in life and persevering through trials and tribulations into triumph. His story reminds us that we are all in the same boat — journeying through life together, each of us finding our own faith and truths as we stumble in our humanity.” Lisa Michelle (Reviewer for Challenge Weekly) “I commend this little book to all members of my peer group –the senior citizens of our society, who have experienced so much in their lifetimes, yet like Dennis, have so much to still contribute.” Barry Church (President Grey Power)

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Email Phone 09 846 6437 Later Life July 2011/12 • 21


If you still feel the heart of a teenager beating firmly in your breast, then maybe it’s time to honour your teenage dreams.

and a firm financial footing which will deliver maximum choice as you age. So, what can you do to make life so interesting that you want to jump out of bed in the morning and look forward to another exciting day? Learn something - anything. Whether it’s an old-fashioned craft such as pottery or a new-fashioned skill such as digital photography, learn something fast. If you’re not learning, your brain will wither and die. And no, the daily crossword is not enough, even though

the general consensus says that it is. Give your money, your time, your assistance, your knowledge or all four. Give until it hurts – although it probably never will. The only way we truly come alive is when we improve the lot of someone else. Your giving may take the form of volunteering, informal or formal care, donations or mentoring. It really doesn’t matter. The rewards are huge. You won’t grow old having regrets about what you could have accomplished. You can’t, if you remain connected through the gifts you have made. You can save the world. It’s common for older generations to think the world is going downhill – but wouldn’t it be magnificent to be part of the first generation to actually try to save the world? To help the situation

in the Middle East or Africa, to save the environment or – why stop there – the entire planet! Go on, what’s holding you back? Don’t forget to dream. Remember when you were a kid messing round in the back yard, maybe dreaming of becoming the next Donald Bradman, Yvonne Goolagong or Paul McCartney? Well, you may not have made it in the superstar stakes, but if you still feel the heart of a teenager beating firmly in your breast, then maybe it’s time to honour your teenage dreams. Whether it’s bike riding, tree planting, oil painting or starting a new political party, you owe it to yourself and the world to give it a go. There are so many exciting things you can do. It is never too late.

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from Ark House Press Broken Pottery JENNIFER ANN Fiction RRP $16.95 Welcome to the colourful world of Africa and to the difficult journey of Aisha a young girl who suffers from a fistula after a complicated birth. Walk with her as she is ostracized from her community and shunned by society and when all hope of life is gone, eventually finds love and acceptance amongst the tribal group that have always been traditional enemies to her own. Follow her desire for a cure and enter into her joy as these strangers offer a remedy not only for her physical condition but also for her broken spirit.

Journey of Hope Dr J. Michael Davey Biography RRP $22.95 Journey of Hope is the inspiring story of Dr J. Michael Davey. Fostered as a baby and placed in four state-run institutions, Michael experienced significant abuse at the hands of his deranged mother. Read his incredible story of one mans journey out of an obliterated and lost childhood.

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“I commend Journey of Hope to you for all its rawness, emotion and importantly, awakening.” Jeffery G. Kennett AC. Director, Beyond Blue

Dr J. Michael Davey

Giant Killers TIM HALL Christian Living RRP $19.95 “Giant Killers” will empower YOU, the everyday believer as YOU take on the Giants that YOU face in life. Tim Hall is a dynamic evangelist who has a passion to see souls saved and lives changed by the power of the Holy Spirit. Walk with Tim Hall as he guides you to experience the miraculous power of God in your life.

Inspiring Stories of Hope Short Stories/Biographies $14.95 Inspiring Stories of Hope is a compilation of women’s stories that has been created to bring hope to those who have been or are going through suffering, trauma, grief, or any stress in their lives. Life has many colours that present themselves at different times during our lifetime. During these stressful moments we place our hope in God.

inspiring stories

of A collection of inspiring stories of hope from women just like you!

compiled by

lynn goldsmith


Self managed super; Accountant, John Osborne explores the pros and cons...


tatistics show that over 30% of all superannuation in Australia is now in self managed superannuation funds (SMSF). A SMSF is a type of superannuation fund where you (and up to three other members of the fund) are also the trustees of the fund, and hence have complete control over its operation. You decide how the fund will function and how money within the fund will be invested. This gives members of SMSFs more flexibility and choice over their superannuation investments. The benefit of control is probably the most common reason people venture into SMSFs, however with control also comes responsibility. A SMSF is not for everybody, but it is worth consideration. In a private, industry type super fund you invest your funds in a pooled situation, usually with thousands of other investors. The fund decides where to invest your super. It also looks after administration, tax and compliance issues, and charges you a fee for doing so. In a SMSF you are responsible for administration, compliance, tax and audit issues, establishing an investment strategy, keeping minutes and reporting to the ATO (which administers SMSFs). It is because of these extensive administrative and compliance responsibilities, and the demands of keeping up with changes in super laws – which are ongoing, as governments of all persuasions find it hard to leave super alone – that many people find the thought of setting up a SMSF too involved and onerous. So why then should you consider setting up a SMSF? A SMSF gives you the following advantages:

24 • Later Life July 2011/12

1 Control of your retirement savings. You choose where to invest your money (however do seek professional advice first) and can invest according to the market conditions of the day. 2 Greater choice of investments, including direct property, direct equities, managed funds and being able to leverage up investments in the super fund. 3 Tax Benefits. Contributions to your SMSF can be tax deductible – you can take advantage of targeting franked dividends and save more tax in your fund. 4 Estate Planning Benefits. You can bring other family members into the fund creating estate planning benefits. For example, surviving family members may enjoy tax-advantaged income after your death. While a SMSF offers plenty of advantages, there are also disadvantages to consider. Not everyone can or should set up a SMSF. If you try running the fund yourself you may find the compliance demands from the ATO and the legal responsibilities of you, as trustee, quite onerous. Penalties for not meeting these responsibilities can be substantial, including fines and imprisonment. You will need to keep all your records and minutes up to date and arrange tax returns and audits each year on the fund. Setting up a SMSF The first thing to do is determine who will be the appointed members of the fund, remembering you can have a maximum of four members, who also


Is it the way have to be the fund’s trustees. Keep in mind that no member of the fund can be an employee of another member of the fund (unless they are related) and that the minimum age for a trustee of a SMSF is 18. Secondly, you should obtain a trust deed outlining the governing rules of the fund. Then register your fund with the ATO. Some rules to consider: The in-house asset rule This rule states that no more than 5%

DIY super can be great, but it is also dangerous when you don’t know what you are doing”. You can buy property through the SMSF which you intend to live in once reaching retirement age. You can also include assets such as business property, which can be leased to a related party. SMSFs are very popular with small-business owners. Remember that all transactions within a SMSF must be ‘arms-length’ and carried out on proper commercial terms.

to go? of your SMSF assets must in any way directly benefit you or other trustees before reaching retirement age. This rule means that you cannot include your house or holiday home or art and collectibles that are personally used by you or other trustees as assets of the fund. For example, if you decide to invest in valuable art works or precious collectibles they cannot be hung on the lounge room wall or put on show in the hall. Business property & future family home Continued over page 

Responsibilities of Trustees The trustee is responsible for • ensuring the fund is properly managed and complies with the SMSF rules and ATO tax regulations; • understanding the ‘Sole Purpose Test’ in providing benefits to its members; • documenting an investment strategy and regularly reviewing and updating this strategy; • ensuring the assets in the SMSF are not used for personal use (you should keep personal expenses and assets separate from the SMSF expenses and assets); • maintaining accurate records and minutes for the SMSF; • preparing financial accounts/regulatory reports; and • arranging for the super fund to be audited every year. It is important that trustees understand risk and prepare a risk profile for each of the members of the fund. Keep abreast of constant changes in regulations relating to SMSFs. This can be quite onerous, so seek advice. Deciding to set up a SMSF is an important decision that you should consider very carefully. Do your research before embarking on anything. The ATO has a number of

publications that are a great starting point for anyone thinking about setting up an SMSF. Quite frankly, if you are going to go down the road of a SMSF you would be strongly advised to get professional, ongoing advice. A SMSF professional can assist you in the set up and ongoing compliance of the fund. They can also guide you on the various investment choices and what you can legally invest in, in a SMSF. DIY super can be great, but it is also dangerous when you don’t know what you are doing. Opening a fund with little knowledge of SMSF rules is only asking for trouble. John Osborne Considering a SMSF? Contact Osborne Yuille for sound, reliable advice. (02) 9970 3111.

The information in this article is based on information believed to be reliable and received from sources within the market. No representation is given, warranty made or responsibility taken as to the accuracy, completeness or timeliness of the information. The user should note that any recommendations, whether expressed or implied, have been prepared for general information and not having regard to any particular person’s investment objectives, financial situation or needs. They should not be acted upon without consulting a financial advisor. Osborne Yuille Financial Planning Pty Ltd is a corporate representative of Securitor Financial Group Ltd. Later Life July 2011/12 • 25


Mentoring and donating of your time There is no greater fulfilment in life than that of service to others, whether it be to Christian missions, charities or communities

26 • Later Life July 2011/12


By donating your time and services, you can show people in need that they are cared about, and offer them an extra bit of hope during a difficult time.


ave you ever thought of becoming a mentor to someone who is younger than you and is willing to learn and be guided by a more mature person? It is an interesting occupation, particularly for people who have retired or semi-retired. It can give you such satisfaction, knowing you are truly helping someone who wants to move forward and needs the expertise of a professional. A mentor can be a trusted friend, counselor or teacher, usually a more experienced person. Some professions have ‘mentoring programs’ in which newcomers are paired with more experienced people, who advise them and serve as examples as they advance. Schools sometimes offer mentoring programs to new students, or students having difficulties.Mentors provide expertise to less experienced individuals to help them advance their careers, enhance their education, and build their networks. In many different arenas people have benefited from being part of a mentoring relationship. A mentor is a trusted guide with whom to share all our hopes and aspirations, confident that they will adapt to our daily needs, adopting the role of stern taskmaster, library of knowledge or persistent motivator, but always as educator, in order to help us reach and grasp our dream. Do you see yourself in this role? It is something to consider. If you are not in a position to mentor then maybe consider donating your time to your community, missions, your nation, or the world. Most people, when they think of

ways to donate to a Christian mission or charity, think of money. While money helps missions stay afloat, there are other ways to donate. Donating your time is as important as donating your money, and sometimes more meaningful. The work of the Lord needs to keep expanding and volunterring to help these missions will enable you to be part of something exciting in expanding God’s kingdom. Research the different missions and see where your passion is. Talk to people and ascertain what you could do to be involved – how you can help. Also, nonprofit shelters and hospitals have some of the most overworked and underpaid employees. They could always use help in any way people are willing to give it. This is a perfect way to use your time and reach out into God’s world. People staying in hospitals, shelters, and other types of boarding facilities have experienced some kind of trauma in their lives. They receive the medical help they need, but depending on the situation that brought them there, it takes a long time to recover from the emotional scars. Organisations are in great need of volunteers for all positions, and will always welcome your assistance. Charities need both money and volunteer service to keep running smoothly and effectively. Additionally, by volunteering directly with an organisation or mission you may get the chance to work with the individuals you are helping. You’ll touch lives as you help those in need, and they will truly appreciate the time you

spend with them as your time is one of the most valuable gifts you can give. Working with people can be an especially rewarding opportunity, as you’ll be able to see the impact your service has. Whether you choose to work with children, senior citizens, or battered women, you’ll be able to recognise the difference you are making in each individual’s life as you get to know them. You’ll build valuable relationships, and provide a positive influence for each person. You can also create an incredibly powerful source of stability for the people you help, many of whom have come from very detrimental or difficult backgrounds. Some people may prefer to work in a subtle manner, and look for volunteer opportunities that don’t involve working with the direct public. These positions are just as important and the organisation, mission or charity you choose to work with will gladly accept any time you’re willing to give. You may be able to find a way to contribute to an organisation that utilizes your skill sets, or that perhaps models your career training. Many organisations will also provide training programs prior to the start of your service. When you’re looking for a new way to get involved in the community, there is always a service opportunity available for everyone. Know that the value you can offer is incredibly important, no matter how large or small. By donating your time and services, you can show people in need that they are cared about, and offer them an extra bit of hope during a difficult time. Later Life July 2011/12 • 27

Let’s talk about the importance of being organised in our life’s affairs - financial, personal, business – in fact all aspects of our lives. This will help prevent problems within the family and business colleagues

Getting your affairs in 28 • Later Life July 2011/12




here is nothing more frustrating and difficult than not having your life and business in order. This creates trouble within families and can lead to many unncessary arguments. It also means that you are not in control. If everything is in order then there is less stress and you are in control. Getting your affairs in order is for everyone – whether young or not so young, rich or just comfortable. It is for anyone who has compassion, who cares enough to make life easier for the ones they will someday leave behind. No one ever plans to be sick or disabled. Yet, it’s just this kind of planning that can make all the difference in an emergency Firstly, making a will is extremely important because it will ensure that your wishes are carried out after your death. A carefully considered and professionally drawn will can avoid confusion, uncertainty, legal difficulties and disappointed beneficiaries. This is one of the first steps Seniors and in fact all adults need to take. Appointing an enduring guardian can ensure that someone responsible you have chosen can make personal, lifestyle and treatment decisions on your behalf in the event of you not being able to do it yourself. In reation to Trust managementsome people are unable to properly make the important decisions that life often demands. Without help, these vulnerable people can end up making incorrect or poor decisions, which could result in substantial financial losses. People often establish Trusts to protect assets in the future or provide on-going financial security for family, dependents, charities or causes. You should keep a copy of your birth, marriage or divorce certificate with your personal papers so that they are easily accessible by your next of kin or emergency contact. A justice of the peace can witness documents such as

wills and certify copies of birth, death and marriage certificates. An attorney is someone you have chosen to manage your financial and legal affairs in the event of you not being able to do it yourself. You may also want to consider registering for organ or tissue donation in the event of your death. One organ or tissue donor may save or enhance the lives of up to 30 people. 10 Reasons why you should get your affairs in order: 1. Guarantee your family’s peace of mind by having plans in place 2. Ensure that your assets will be distributed as you wish. 3. Protect your finances by appointing someone trusted to manage your financial affairs should you lose your capacity to do so. 4. Minimise family conflict or stress by leaving clear instructions regarding health and personal matters. 5. Avoid ‘under’ or ‘over’ medical treatment in an end-of-life situation by legally documenting your preferences. 6. Safeguard your privacy – no one will have to search through personal effects or papers looking for needed documents. 7. Ensure forms are legally binding by completing them when of ‘sound mind’. 8. Avoid last-minute, rushed decisions under pressure by planning ahead. 9. Organise for the unexpected by having everything important ready and in one place. 10. Assist family and friends so they will not have to take on the responsibility, or burden, of  organising your affairs.

It is for anyone who has compassion, who cares enough to make life easier for the ones they will someday leave behind

Steps for getting your affairs in order • Put your important papers and copies of legal documents in one place. You could set up a file, put everything in a desk or dresser drawer, or just list the information and location of papers in a notebook. If your papers are in a bank safe deposit box, keep copies in a file at home. Check each year to see if there’s anything new to add. • Tell a trusted family member or friend where you put all your important papers. You don’t need to tell this friend or family member about your personal affairs, but someone should know where you keep your papers in case of emergency. If you don’t have a relative or friend you trust, ask a lawyer to help. • Give consent in advance for your doctor or lawyer to talk with your caregiver as needed. There may be questions about your care, a bill, or a health insurance claim. Without your consent, your caregiver may not be able to get needed information. You can give your okay in advance to Medicare, a credit card company, your bank, or your doctor. You may need to sign and return a form. Later Life July 2011/12 • 29

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Later Life Magazine  

Welcome to our new magazine Later Life which is directed towards Seniors. We are very excited to have the opportunity to offer a wealth of...