This month, as we gear up to attend the Seniors Expo on Thursday 6 March at Gosford Showground and again on Friday 14 March at Wyong Race Club, we are reminded of how this stage of life is a time to look after ourselves, focus on what makes us happy and healthy and enjoy all the activities and services available across the Coast.
In this issue, we explore the ease of living at retirement villages, (Waterford: Privately owned, personally connected, pg. 17), we discuss the importance of memorials, (What is the significance of memorials to communities?, pg. 7) and we take a trip to the Gold Coast, (Beyond the bling: all that glitters is not gold, pg. 12).
We hope you enjoy this edition and look forward to seeing you at the Seniors Expo!
Embrace your golden years Coasties and let the good times roll!
trading as On the Coast Publications ABN 52 212 212 482 PO Box 3251, Bateau Bay NSW 2261
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Contributors Sophie Doyle, Dorian Mode, Lydia Thorpe, Sam Woods, Jordi Woods, Carin Clegg & Shell Barker onthecoastpublications.com.au
In fond memory of Meals on Wheels Central Coast Past Board Member, Wilfred "Bill" Thompson
IS IT A LOAN OR A GIFT? THE IMPORTANCE OF DOCUMENTING LOANS
BY MIA EDDY, PARALEGAL, ORBELL FAMILY LAWYERS
Lending money to friends or family often comes from a place of generosity and trust. However, when transactions are not properly documented, they can lead to misunderstandings, disputes, and strained relationships.
Clear documentation is critical in personal and family relationships, where emotions can cloud financial dealings. Documenting loans is not just about ensuring repayment; it’s about safeguarding everyone involved.
Mia Eddy, Paralegal at Orbell Family Lawyers, explores the importance of documenting loans generally, and in the context of family law matters.
Lending money to someone, whether it’s to help purchase a home, settle debt or start a new business, can quickly turn problematic if not properly documented. Informal arrangements, while convenient, can lead to disagreements about repayment terms, interest rates, or even whether the money was intended as a loan or a gift. These can negatively affect relationships and create unnecessary stress.
In a financial emergency, help/ assistance might be offered/given in a hurry without thinking of formalities or consequences. Without clear communication between all parties as to the intention, agreement and terms, arrangements can often be misinterpreted, causing confusion when it’s time to repay.
For instance, one person (the borrower) might assume the money was a gift while the person who paid the money expects repayment. A loan agreement can clearly define the terms of the arrangement, ensure all parties are on the same page and that where funds are intended to be a loan, they are recoverable/enforceable.
A good loan agreement will clearly
set out the parties to the agreement, the amount loaned, the terms of repayment (including when the funds are required to be repaid, the frequency and amount of the repayments and the amount of any interest). If done properly, a loan agreement can assist in recovering funds loaned and not repaid and proving the existence of the loan including in a family law matter.
Loans between individuals (and entities) can have unintended tax consequences including if not documented properly, and/ or if the loan is forgiven/ deemed to have been forgiven. The Australian Tax Office (‘ATO’) treats ‘forgiven’ loans differently from gifts and a formal loan agreement may reduce the risk of legal/ financial complications later on, including capital gains and other tax consequences.
Loans can also affect estate planning. For example, if a parent loans money to one child but not others, this can create tension among siblings or other beneficiaries of the estate after the parent passes and can give rise to a claim/ litigation. A loan agreement ensures that all parties understand the terms of the loan and how it should be treated in the parent’s estate. For example, the loan might be repaid to the estate or deducted from the child’s inheritance, reducing the likelihood of conflict/ legal proceedings and the associated costs.
Another layer of protection for lenders offering substantial amounts, such as for property purchases, is securing the loan. This might involve registering a mortgage and/ or a caveat over the borrower’s property to ensure repayment. Without such security, lenders risk losing their money if the borrower faces bankruptcy/ financial hardship or otherwise cannot or will not pay.
Importance of documenting loans in a family
law context
The distinction between a loan and a gift becomes particularly important
in family law disputes. When couples separate it is necessary to identify all relevant assets and liabilities of the relationship as well as the contributions made by each party. Valid loans will often be included as a liability and repaid in full at settlement (or otherwise included in the settlement calculations at the full amount of the loan) while gifts are seen as a contribution by the person who received the gift (if they applied it to the assets of the relationship), meaning that a party might get recognition for the contribution of the ‘gift’ to the assets of the relationship, but it won’t necessarily be considered as the full ‘dollar for dollar’ amount received, especially if the funds were received a long time ago and there are other contributions that offset/ outweigh the gift.
Loans from family members often come under scrutiny to determine if they are valid, including considering if there is a valid loan agreement in place, considering the terms of repayment and whether any repayments have in fact been made.
Courts may assume that money given by a parent to their child was intended as a gift unless clear evidence, such as a signed loan agreement, proves otherwise.
Even if a loan agreement exists, it may still face challenge if there is a concern the loan agreement is not valid/ was entered into to defeat a family law claim.
The Court will consider when the loan agreement was entered into, whether the loan is still legally enforceable (i.e. whether the Statute of Limitations has passed) and also any representations made to a bank/ financial institution, including if the ‘lender’ does not disclose the alleged loan when applying for a mortgage/ loan and especially if a document is provided from the alleged ‘lender’ to say that the funds were a ‘gift’.
If the loan agreement provides for
Generally, a well–drafted loan agreement sets clear expectations, offers legal recourse in case of disputes, and prevents misunderstandings that could damage relationships
repayments to be made that were not made, this might suggest the loan was not a real/valid loan.
These and other factors can have a bearing on whether the funds are found to be a loan or a gift which can have significant financial/legal implications.
To avoid potential issues, lenders must treat any loan seriously from the beginning, with regular repayments and unambiguous terms. Any deviation from the agreement, such as forgiving repayments or failing to enforce
terms, may weaken its enforceability in the future.
In family law contexts, proper documentation is essential to ensure that loans are recognised and repaid, especially in the emotionally charged environment of separations. It is vital to obtain legal advice early and to ensure that any loan agreements are done properly.
Whether lending to family, friends, colleagues or others, taking the time to properly document the transaction and understand all possible risks/ consequences is an investment in peace of mind.
Conclusion
Documenting loans properly protects both the lender and the borrower. Generally, a well–drafted loan agreement sets clear expectations, offers legal recourse in case of disputes, and prevents misunderstandings that could damage relationships.
In the emotionally charged context of family law, proper documentation and advice is essential to ensure that
loans are recognised and repaid. While informal agreements may seem quicker or easier, the potential risks far outweigh the minor inconvenience of drafting a formal loan agreement. By formalising loan arrangements and seeking legal advice, lenders can safeguard their generosity and avoid unnecessary financial or emotional strain.
If you require legal guidance and assistance navigating your family law matter, please contact us.
Mention this article when you call to receive a free 15–minute discovery call with one of our experienced family law solicitors. Phone: (02) 4314 6080
Website:
www.orbellfamilylawyers.com.au
Email:
info@orbellfamilylawyers.com.au
Liability limited by a scheme approved under Professional Standards Legislation. The information contained in this article is provided for information purposes only and should not be construed as legal advice.
WHAT IS THE SIGNIFICANCE OF MEMORIALS?
Memorials provide a place to gather and remember loved ones.
There are few things in life more stressful and heart breaking than the death of a loved one. While end–of–life services are a time for loved ones to come together and celebrate a life, these events are also a whirlwind for the grieving. Life for surviving relatives continues after a death, and everyday activities may feel impossible while grieving.
But there’s an important step in the grieving process family members and friends should take long after a funeral or memorial service ends: Memorialisation.
Memorialisation is the act of preserving memories, events or people, and allows individuals to remember and honour their loved one. It comes in many forms—ranging from ceremonies to gatherings to physical pieces of remembrance like a memorial site.
“Memorialisation is a wonderful way to cherish the fond memories of those departed, while also allowing the living to grieve. In fact, social sciences believe that memorialisation is a crucial part of the grieving process.”
No two individuals grieve the same, and it’s impossible to attach a timeline to the grief process. While grieving can cause periods of sadness, anger, stress
or anxiety, memorialisation helps to honour a loved one’s life and center your emotions, resulting in a healthy grieving experience.
It provides a central place to visit Many families choose to memorialise a lost loved with an actual memorial. Memorials are created for both buried and cremated loved ones and create a central place for families and friends to gather or visit alone.
For instance, if your loved one was buried or inurned in a cemetery, use the cemetery memorial as a location to congregate.
It helps focus on the positive The death of a loved one frequently leads to feelings of negativity or a loss of interest in everyday activities. However, memorialisation can help you focus on the happiness you and your deceased loved one once shared.
When creating an actual, tangible memorial, such as a memorial site, consider the uniqueness of your loved one’s life. For instance, perhaps there’s a meaningful quote or positive statement that you could use as an inscription on the memorial.
It brings loved ones together
While a death in the family may bring loved ones close together for a few days to plan and attend a funeral service,
it’s necessary to return home or to work once the events end. While some memorialisation practices focus on visiting a memorial, it also presents the opportunity for families to come back together to grieve, heal and celebrate their loved one as a group long after a funeral.
How do you want to memorialise a loved one?
A headstone is deeply personal and important to honouring and celebrating those who have passed away.
Why are memorials like this important?
A memorial serves as an everlasting tribute to a life well lived and life worth remembering. It is a representation of that person and how they lived; it is a final gift. Memorials can be custom made and personalised to honour and depict that person the way they would have liked to be portrayed. It gives all mourners (not just family) access to pay their respects and connect with the one who has died. Additionally, a permanent memorial provides an established location for non–family members to mourn.
Memorialisation is important because it helps survivors come to terms with the reality of losing a loved one and to begin the work of grieving. Memorialisation allows a place and time for family and friends to be supportive during such a trying time.
AGED CARE FEE – WHAT YOU NEED TO KNOW changes
BY SOPHIE DOYLE, RETIREMENT AND FINANCIAL AGED CARE SPECIALIST
After a long wait, the government has introduced new laws that will change the way aged care is delivered and funded in Australia.
Australia’s population is getting older. To ensure that aged care services remain high quality and that older Australians are treated with dignity, the government has made changes to how aged care is funded.
The new Aged Care Act focuses on putting you at the centre of care, giving you more choice, control, and clearly defined rights.
However, many people are most concerned about the cost of care. Below is a simple guide to help you understand the changes and plan for the future.
WHO IS AFFECTED?
The rights in the new Aged Care Act
apply to everyone. However, the new fee rules will only apply if:
You move into residential aged care after 30 June 2025.
You are approved for Home Care on or after 12 September 2024.
If you were already receiving a Home Care Package before 12 September 2024, or were waiting for a package, special grandfathering rules may apply to ensure you are not disadvantaged even if you later move into residential care.
CHANGES TO RESIDENTIAL AGED CARE COSTS
The cost of aged care includes both accommodation (your room) and ongoing care costs.
ACCOMMODATION COSTS (ROOM FEES)
Some room prices may increase, but a range of prices will still be available.
You can choose to pay for your room as a lump sum (like a refundable deposit)
or as a daily rental payment.
If you pay a lump sum, the provider will deduct 2% per year for the first five years (up to 10% total). The rest will be refunded to you or your estate.
If you choose daily rent, this will increase every six months in line with inflation.
ONGOING CARE COSTS
These costs will now be split into three fee categories:
Everyday living expenses
Includes meals, cleaning, and laundry.
The standard rate is $63.57 per day (indexed).
If you have assets over $238,000 or income above $95,400, you may pay up to $12.55 extra per day.
Non–clinical care
Includes personal care and help with daily tasks.
This is means–tested, up to $101.16 per day.
Fees only apply for the first four years
or up to $130,000 total (indexed).
Clinical Care
Covers medical care and nursing.
Fully paid by the government (you do not pay anything for this).
CHANGES TO HOME CARE COSTS
From 1 July 2025, the current Home Care Packages will be replaced by the Support at Home program.
This new system will offer eight levels of care instead of just four, giving more flexibility to match your needs.
Like residential care, the cost of home care will be split into three categories and means–tested:
Clinical Care
Fully funded by the government.
Independence Support (personal care, mobility aids, etc.)
Self–funded retirees pay 50% of the costs.
Full pensioners pay 5% of the costs.
Part–pensioners and Commonwealth Seniors Health Card holders pay somewhere in between, based on means–testing.
Everyday Living Costs (meals, transport, social activities)
Self–funded retirees pay 80% of the costs.
Full pensioners pay 17.5% of the costs.
Part pensioners and Commonwealth Seniors Health Card holders pay somewhere in between.
OTHER IMPORTANT CHANGES
Your total home care fees over your lifetime will not exceed $130,000 (indexed).
Use it or lose it: Home care package budgets will now be allocated quarterly, and you can only roll over up to $1,000 or 10% of your funds each quarter.
WHAT SHOULD YOU DO NEXT?
Planning for aged care can be complex, and ensuring you have enough money set aside is essential for maintaining your quality of life.
If you or a loved one may need aged care soon, acting before 1 July 2025 may help you lock in current fee arrangements.
Regardless of when you enter care, it’s important to get comprehensive financial advice to understand how these changes impact your options.
As a licensed financial adviser and Accredited Aged Care Professional™, I have the experience and expertise to help you navigate these changes.
To discuss your situation, call our office on 02 4325 0884 or email sophie.doyle@morgans.com.au to discuss how we can assist you. We offer complimentary 30–minute Aged Care Discovery appointments, available in person or online.
Sophie Doyle (AR#000470612) is a Retirement and Aged Care Specialist at Morgans Financial Limited (Morgans AFSL 235410 / ABN49
and a 2023 Aged Care Adviser of the Year Finalist. Sophie has a passion for assisting people make informed financial decisions, as they navigate their way through retirement and aged care. Disclaimer: While every care has been taken, Morgans Financial Limited makes no representations as to the accuracy or completeness of the contents. The information is of a general nature only and has been prepared without consideration of your individual objectives, financial situation or needs. Before making any decisions, you should consider the appropriateness for your personal investment objectives, financial situation or individual needs. We recommend you see a financial adviser, registered tax agent or legal adviser before making any decisions based on this information. Current at 3 December 2024.
BEYOND
THE bling:
THAT GLITTERS IS NOT GOLD
Think outside the square when next visiting the Gold Coast ALL
WORDS BY DORIAN MODE
BY LYDIA THORPE
The Gold Coast. Say those words, and you instantly conjure images of high–rises, crowded beaches, and glitzy nightlife. It’s all surfboards and theme parks, right? But seniors, venture a little further inland and you’ll find another side to this holiday hotspot – a lush hinterland that’s more the “green behind the gold”. Think rainforests, funky hippie villages, and just enough wineries to have you walking sideways down Gallery Walk.
We set up camp at the Mercure Gold Coast Resort in Carrara. Geographically, it’s smack bang in the middle of the Gold Coast, making it the perfect base to pivot between the beachy glitter strip and the serene hinterland. The resort itself is surrounded by a golf course and driving range, which is great if you’re a golfer. Us? Not golfers. But we enjoy a nice view over the greens as we sip on a glass of wine. And what’s more, the Mercure has one of the best value hotel restaurants we’ve come across but more on that later.
The morning starts with a drive up to Mount Tamborine, just 30 minutes away. Unlike the trek from Bondi to Katoomba, this hinterland escape is right at your doorstep (both beach and hinterland are each a little over 15 mins away). The road winds through lush greenery, and soon you’re in a different world – cool mountain air, misty views, and charming villages that feel like something out of a fairy tale (if that fairy tale involved scented candles and wine tastings).
Our first stop is the Tamborine Rainforest Skywalk, a raised walkway through the treetops. It’s a bit pricey for what it is, but the views are worth it. Heavy tropical rain adds an extra layer
of atmosphere, and as we walk through the mist, it’s easy to forget that we’re just a short drive from the beachside chaos of Surfers Paradise.
The main draw of Mount Tamborine is Gallery Walk – a stretch of quirky shops, cafes, and art galleries that’s a bit hippie, a bit posh, and thoroughly charming. It’s all wine tastings, tie–dye, and oddball shops like the Hinterland Hemp Emporium and the German Cuckoo Clock Nest (yes, really). One standout is Castle Glen, a bizarre Scottish–style castle selling liqueurs in every colour of the rainbow. Want lavender gin? They’ve got it. How about pineapple tequila? Sure, why not. It’s the Gold Coast.
For a more outdoorsy adventure, there are some fantastic hiking trails in the area. Take a gentle hike and it will lead to the Bearded Dragon Hotel, a pub that’s perfect for seniors – flat paths, a welcoming atmosphere, and cold beer waiting at the end. This is my kind of hike.
We also stumble upon a hidden gem: the Mount Tamborine Botanic Gardens. I do love a public garden. Maintained by a dedicated group of senior volunteers, these gardens are an oasis of calm. It’s
We set up camp at the Mercure Gold Coast Resort in Carrara. Geographically, it’s smack bang in the middle of the Gold Coast, making it the perfect base to pivot between the beachy glitter strip and the serene hinterland
the kind of place where you can sit quietly, surrounded by lush greenery, and feel like you’re a world away from the hustle of the Gold Coast.
Back at the Mercure, after a lazy swim in the resort pool, we head to the restaurant for dinner. And here’s the surprise: the food is killer, and the prices are even better. Not a single bottle of wine on the menu costs more than $50, and happy hour runs from 3 to 5pm with house spirits, wine, and beer at bargain prices. We tuck into grilled barramundi and a bottle of New Zealand Sauvignon Blanc for a fraction
PHOTOGRAPHY
The enormous pool at the Mercure Gold Coast Resort. After a day of hiking and wine tasting, this is the perfect place to unwind
of what you’d pay elsewhere. Eating out on the Gold Coast in general, we’ve discovered, is surprisingly cheap.
The next day, we head back into the hinterland for a visit to the Tamborine Mountain Distillery, Australia’s smallest operating pot still distillery. It’s tucked away off the main road, and stepping inside feels like entering a whimsical world of artisan spirits and quirky concoctions. We also visit Peddly Picnics, where you can grab a gourmet hamper and ride off into the mist.
Finally, and here’s where I out myself, I love a shopping centre. So we also stop at Pacific Fair on our way back to the coast – because no trip to the Gold Coast is complete without a little retail therapy. This is not just any shopping centre. It’s a sprawling complex with a lagoon at its centre, complete with sun lounges. It’s peak Gold Coast: flashy, fabulous, and a little bit ridiculous. But you can’t help but love it.
Psst! Public transport on the Gold Coast is another pleasant surprise. The
Premier has introduced 50c fares for public transport across Queensland, and the best part? It applies to everyone –locals and visitors alike. It’s a fantastic way to explore the region without breaking the bank.
As the tram crawls through the gut of the glitter strip on the way to the airport, we glance back at the hills – a quiet reminder that beyond the bling lies the Gold Coast’s true treasure.
Psst! Public transport on the Gold Coast is another pleasant surprise. The Premier has introduced 50c fares for public transport across Queensland, and the best part? It applies to everyone – locals and visitors alike
DEAL: Save up to 25% when you book early and stay three or more nights this winter.
LOCATION: Mercure Gold Coast Resort – the perfect base to explore the Gold Coast’s beaches, hinterland, and attractions.
BOOKING: Visit www.mercuregoldcoastresort.com.au to book your stay.
Translink – Gold Coast Public Transport: www.translink.com.au
A taste of the Mercure’s excellent restaurant offerings – fine dining without the flashy price tag
Looking back at the glitter strip from the hinterland – a reminder that beyond the bling lies the Gold Coast’s hidden treasure
Nothing says Gold Coast like sun lounges by a lagoon in a shopping centre. Pacific Fair – part retail therapy,
DRY EYE SOLUTION: Celebrating three years of innovation
ineyecare
Three years ago, Dry Eye Solution opened its first clinic in Erina, pioneering a new approach to eye care. It was a bold vision – creating the world’s first group of dedicated Dry Eye clinics – and today, with seven locations across NSW and new clinics opening soon in Victoria and the ACT, Dry Eye Solution continues to provide relief to those suffering from Dry Eye Disease (DED).
For many Australians, Dry Eye Disease is not just an occasional irritation – it’s a daily struggle. Blurred vision, burning, redness, and discomfort can make even simple tasks exhausting. Some suffer in silence, thinking there’s no real solution, while others rely on eye drops that offer only temporary relief. However, eye drops should always be therapeutic, targeting the underlying cause rather than just masking symptoms. Some
formulations contain toxic chemicals that can worsen symptoms over time, making proper treatment essential. Dry Eye Disease is a complex, chronic condition that demands a comprehensive, science–backed approach.
Leading–edge treatments for lasting relief
Unlike traditional optometry clinics, Dry Eye Solution is exclusively dedicated
to diagnosing and treating Dry Eye Disease. Each patient receives an extensive assessment using advanced diagnostic technology to identify the root cause of their symptoms. Whether it’s Meibomian Gland Dysfunction (MGD), rosacea, demodex mites, inflammation, or environmental factors, the expert team tailors a treatment plan designed for lasting relief.
Lasting relief for Dry Eye goes beyond eye drops and traditional approaches. Our clinics employ cutting–edge technologies and innovative methodologies that are recognised as the pinnacle of Dry Eye care worldwide. With a commitment to personalised treatment plans, we integrate a holistic approach that encompasses diet, lifestyle, stress management, skincare, and medications. This comprehensive strategy ensures optimal outcomes for every patient. We are proud to be at the forefront of the industry, setting the global standard in advanced Dry Eye treatments.
The Toyos Protocols: A global standard in dry eye care
Dry Eye Solution’s clinical team is led by Dr. Rolando Toyos, M.D. (USA), the world’s number one Dry Eye Specialist and the inventor of IPL for Dry Eye Disease, serving as the Medical Director. Every clinic follows the Toyos Protocols, ensuring consistent, high–quality care.
Dr. Toyos visits Australia regularly for advanced training and supervised patient appointments. He is actively involved in patient care, holding weekly team calls to review complex cases. His expertise has helped establish Dry Eye Solution as the leader in Dry Eye care, setting new standards in treatment and patient success.
Is Dry Eye Disease Affecting You?
For many over 55s, Dry Eye Disease worsens with age, yet it’s often misdiagnosed or dismissed. If you experience gritty, sore, or tired eyes, difficulty reading, or fluctuating vision, it’s time to take action.
To celebrate Dry Eye Solution’s 3rd birthday, they are offering bulk–billed Dry Eye Assessments for March and April. This means no out–of–pocket cost for your initial consultation, giving you the opportunity to get real answers and an effective treatment plan.
Book your bulk–billed assessment today
Take the first step toward relief. Appointments fill fast, so don’t miss this special birthday offer.
Call 4312 4273 to book today or visit www.dryeyesolution.com.au.
Dry Eye Solution has clinics in Burwood, Chatswood, Double Bay, Erina, Miranda, Kotara and Parramatta. Phone (02) 4312 4273 for more information Dry Eye Solutions Erina | 8/2 Ilya Ave Erina NSW 2260 | dryeyesolution.com.au
WATERFORD : Privately Owned, Personally Connected
When Waterford Retirement Village was in the design stage, Director Mark Kamper considered what would create an ideal retirement lifestyle. Two key elements stood out: a warm, connected community and the comfort of village living.
The picturesque setting between Kincumber Broadwater and the scenic Kincumba Mountain, with its walking trails and rich wildlife, added to the appeal. It was here that Mark, along with a group of long–time business colleagues and friends, opened Waterford Retirement Village in 2001.
While Mark has been involved in a range of professional business pursuits, these days he spends most of his time farming sheep and cattle on his Bathurst property. His diverse experience in both business and farming has shaped his approach in creating a warm, connected community at Waterford. He genuinely values personal connections, making regular visits to Waterford to welcome new residents and ensure they feel part of the community. Mark also enjoys catching up with familiar faces to hear their thoughts. Commitment to personal connections is reflected in the way the village operates, always striving to assist residents within the boundaries of regulations.
This charming village is home to 134 residents living in 99 villas and apartments. Options include one, two, and three bedroom layouts, with some featuring courtyards or dual outdoor living areas.
With leafy surrounds and birdsong in the air, Waterford offers a tranquil environment. Residents, ranging from their 60s to mid–90s, lead active lives. Some play golf or bowls, while others
cycle or explore the nearby walking tracks. Residents respect each others privacy and personal space while always offering a friendly smile.
A PET–FRIENDLY COMMUNITY
Pets are a meaningful part of life at Waterford. Many residents have a small dog or cat. They bring companionship, routine, and joy to daily life, and help residents stay active, social, and emotionally fulfilled.
THE HEART OF THE VILLAGE
With a strong sense of community on Mark and his co–directors' wish list, they created Katandra Lodge –Waterford's vibrant community centre. It's larger than those found in many villages of similar size and is a much loved hub.
Katandra Lodge features a heated indoor pool, a café, gym, craft room, billiards room, library, hair salon, and meeting spaces. Residents enjoy a variety of activities, including fitness classes, bingo, book club, happy hour,
mahjong, and movie screenings. They also have access to services from visiting professionals, such as massage therapists, podiatrists, and audiologists.
A village minibus offers transport for shopping trips, and volunteers are available to assist with appointments when needed.
A VISION FULFILLED
From the start, Mark and his colleagues set out to create more than just a place to live – they aimed to build a vibrant community where residents could enjoy a fulfilling lifestyle. Today, they take pride in having brought that vision to life.
Discover Waterford for yourself
If you're looking for a welcoming community and a place to truly feel at home, be sure to add Waterford to your inspection list!
Mark and his family on their farm
The ultimate
BY SAM & JORDI WOODS
wardrobedetox
Time to tackle your wardrobe head–on as we teach you how to audit and detox your closet so that each season you have a wardrobe that:
• contains outfits, not just items
• is modern and fresh
• is organised and functional It’s time to say goodbye to a full wardrobe with nothing to wear and hello to an organised space with plenty of options.
How to do a wardrobe audit
Auditing each season is essential if you want to have a wardrobe that is functional and serves you well. Detoxing is time consuming and tedious at times, but the results are well worth the effort. To get the most from this article, allocate at least half a day of uninterrupted time – more if your wardrobe is extensive – and wear something easy to slip on and off as you will need to try on multiple items throughout the audit.
Step1: Divide your clothes, shoes and accessories into these three key sections Summer (kaftans, shorts, sundresses), winter (woollens, coats) and transeasonal (light weight knitwear, denim, mid–weight cottons, silk, polyester mixes).
Step2: Work with the existing season only If it is summer, work with your summer and transeasonal piles and pack winter items away out of sight.
Step3: Start with your clothes, then shoes, bags and accessories and assess every item Ask yourself the questions to the right and place all the items to which you answered “yes” in one pile and those that get a “no” in another. The items you are not sure about or can’t possibly part with get placed in the third pile.
Your third pile can either be packed away and reassessed next season or given to a good home. Either way, the third pile must be out of sight and out of mind, you can always revisit
this pile half way through a season. Often what is in the no pile and the third pile is what makes our wardrobe look full but useless. The no pile must go!
Questions to ask of each item
1. D o I love the colour and does the colour suit me?
2. D o I love the fit, shape and style for me?
3. D oes it serve a purpose this season?
For example, is it a workable shape, length, colour, print o r pattern for this season’s fashion or is it outdated?
If no to any of the above then in the no or third pile it goes! Be honest and ruthless! Don’t hoard items that will only be worn if you lose/or gain weight and fit into it one day. Remember you don’t have to toss your third pile but you must remove it from your functioning wardrobe.
TIP: Don’t be surprised if your “no” pile is huge and your “yes” pile is tiny! Clients are often amazed at just how much in their wardrobe is inappropriate. If this happens for you, take stock – did you ever wear those items? And if so, did you ever feel good in them?
My bet is the answer to both is no!
What to toss – what to keep
This next section we will outline how to decide if an item is worth keeping or if it needs to go!
Things to toss
Ill–fitting garments.
Worn or damaged items.
Incorrect colours.
Anything you haven’t worn in two years that doesn’t fit the “things to treasure” criteria.
Items you wore when you were a different size.
Things to treasure
Sentimental items (if they don’t make the audit above but you still want to keep them, pack them away and reassess next season).
Items that will do the “fashion circuit” and be back in style within 10 years – lace, satin, silk, floral, animal print, stripe, spot, denim, linen, velvet or taffeta.
Evening shoes and bags – these items often work back beautifully with new season after five wear and can give it an element of individuality.
Any item that is timeless in its design – the LBD, leather handbag, court shoes, pearls, linked chain necklace, metallic clutch.
I (Sam) love this quote by William Morris and I believe it very much applies to our wardrobes too…
Happy wardrobe detoxing! Sam & Jordi xx
Have nothing in your house that you do not know to be useful or believe to be beautiful – William Morris
Understanding styling and fashion is one thing. Having a super natural flair for making everyday people look incredible is another. Once you’ve met Sam & Jordi Woods, it’s hard not to catch their infectious passion for dressing to match your own lifestyle, personality and charisma. Through their consultancy ‘Vibrant Concepts’, Sam & Jordi have transformed the lives of thousands. Let Sam & Jordi show you how to look and feel fabulous every day at their Style Studio in Erina – learn the art of illusion dressing, colour matching, styling, translating fashion trends and savvy shopping with their unique VC Signature Styling Systems and services that are truly personal and really work! To contact Vibrant Concepts phone 0425 221 676
Public transport for seniors
The removal of the Regional Seniors Travel Card was not just an inconvenience – it was a devastating blow to nearly 42,000 seniors on the Central Coast who relied on it for essential transport. The Minns Labor Government’s decision to discontinue this program without warning was both reckless and callous, leaving thousands of elderly residents struggling to afford basic transportation.
In the two years since the card was taken away, the cost of living has soared. Petrol prices have skyrocketed, public transport fares have increased, and general household expenses have become harder to manage.
For many seniors, every dollar counts, and the loss of this essential support has only made financial hardships worse. If the travel card had remained in place, it would have
continued to provide much–needed relief, allowing seniors to manage transportation costs and maintain their independence.
The removal of the card followed the Minns Government’s budget blowout caused by their unsustainable wages policy, a financial mismanagement that has had dire consequences for the state’s finances.
Instead of implementing responsible economic policies, the government chose to strip seniors of a critical benefit, punishing them for failures they did not create. This poor fiscal planning has increased hardship for elderly residents who now struggle to afford basic transport.
When the travel card was first introduced, it was a game–changer for regional seniors, offering financial
Whether it was used for fuel, taxis, or community transport services like the Shirley Shuttle – which provides vital transport for cancer patients –the card was more than just a benefit; it was a necessity
relief for travel expenses. Whether it was used for fuel, taxis, or community transport services like the Shirley Shuttle—which provides vital transport for cancer patients – the card was more than just a benefit; it was a necessity. Now, with inflation and rising costs, the need for such a program is greater than ever.
The silence from the four Labor MPs representing the Central Coast on this issue is deafening. Their electorates
had the highest number of travel card recipients in the state, not one of them has supported the card’s reinstatement. The government has not only ignored the financial struggles of seniors but has also refused to provide a clear explanation for the card’s removal.
Adding insult to injury, some government members have suggested that seniors misused the card for non–essential purchases. Such remarks are disrespectful to elderly residents who relied on this program for essential transportation. Seniors were not frivolously spending these funds, they were using them to visit family, attend medical appointments, and maintain their independence.
Over the past two years, financial
pressures have only worsened, making the absence of the card even more damaging.
Despite assurances that a review was underway, nothing has been done. The government must recognise the harm caused by this decision and take immediate action to reinstate the Regional Seniors Travel Card.
The seniors of the Central Coast, and across regional New South Wales, deserve better. We call on the Minns Labor Government to do the right thing: restore the travel card and ensure that elderly residents can live with the mobility and independence they deserve, especially in these increasingly difficult financial times.
available to meet with you to discuss your concerns.
DON’T BE A FOOL THIS APRIL FALLS: BE CLEVER ABOUT YOUR FOOD AND ACTIVITY!
BY CARIN CLEGG, DIETITIAN AND FITNESS PROFESSIONAL
Instead of April Fools, be smart and raise your awareness of how to prevent falls. The 1st April is April Falls Day and fall prevention is everyone’s business.
After the age of 25 health factors decline if not participating in regular physical activity and eating nutritiously. These include bone density, muscle mass, metabolic rate (leading to unwanted fat stores), blood sugar control, balance, joint mobility, muscle strength. Consequently, chronic disease risk such as cardiovascular disease and diabetes, and falls risk increases.
You know the saying you can’t teach an old dog new tricks, well that is why it is so important to set up helpful habits before you are too far ‘over the hill.’ And this will also help you age gracefully.
Let’s look at the key factors that assist with keeping us on our feet over our life and when we age.
Eating regularly
Eating and even preparing your own food regularly over the day helps you to eat all the nutrients your body needs.
Having a good routine of eating meals and snacks at certain times each day will keep your energy levels up, fuelling your mind and body is a great way to maintain those healthy eating habits as you age. Skipping meals is linked to poor appetite, weight loss and increase falls risk as we get older.
Protein
Protein rich foods are important for maintaining muscle mass and strength, something that declines as we age.
Protein rich foods include: nuts and seeds, legumes like lentils, chickpeas, beans, tofu, dairy foods and soy milk, fish and seafood, meat like beef, lamb, pork, kangaroo, chicken, duck and other game meats. It is a good habit to include a protein rich food at each meal and snack.
Calcium
Calcium and Vitamin D work together to help maintain strong bones. Calcium–rich foods include dairy foods, such as milk, cheese, yoghurt, custard, dairy alternatives, which are fortified with calcium, such as soy milk, almond milk, soy yoghurts, fish with the bones like
canned salmon, calcium set tofu. We need 3 serves of dairy/dairy alternatives daily after the age of 65 years old to maintain our bone strength and density as we age.
You know the saying you can’t teach an old dog new tricks, well that is why it is so important to set up helpful habits before you are too far ‘over the hill.’ And this will also help you age gracefully
Vitamin D
Our body usually makes the majority of vitamin D through UV light exposure. To ensure you are making Vitamin D, direct sun exposure on bare skin is required i.e. not through glass. In our region we need about 15 minutes per day in summer or 30 minutes per day in winter wearing shorts and t–shirt will give you your daily dose of vitamin D. You may need to soak up more rays if you are more covered up, are older, have health conditions that impact vitamin D absorption and creation, have darker skin or do not go outside every day.
If you are concerned you are not getting enough vitamin D you can
ask your GP for a blood test to check your levels.
Hydration
Keeping hydrated is also important to prevent falls as we age.
Drinking water at each meal and snack time is a great habit to start and carry on through to your golden years. Remember soda water, tea and coffee also count for fluids.
Physical activity
For people over the age of 65 years, the exercise guidelines recommend 30 minutes of moderate to high intensity physical activity preferably every day, including strength or weight bearing activities 2 days a week and limit sedentary activity.
If someone is diagnosed with diabetes, cardiovascular disease, arthritis, osteoporosis, cancer, mental health condition or any kind of chronic disease, exercise is now being prescribed as treatment as it is now known to be an important way of managing and preventing progression of the condition in conjunction with or sometimes as a replacement to medicine.
The best kind of activities to do is the ones that you enjoy and I recommend choosing 3 each week. There is so much out there to explore and see what the right fit is for you including catered to the older active adult. From chair yoga
Get out there and find something that you will love and that keeps you on your feet in your golden years!
to dancing, from park run (or walk) to the gym, bushwalking to circus.
The biggest barrier I find is people being afraid to try something new, worried they will do it wrong or make a fool out of themselves. Especially when
our bodies do not do what they used to be able to do or are just not fit for the new type of activity, yet!
We need to break down this barrier, big time. As kids we are told practise makes perfect. The more you practise, the easier and more enjoyable it will be. Remember persistence pays off and patience is a virtue!
So, go on. Get out there and find something that you will love and that keeps you on your feet in your golden years!
Carin Clegg is the Director of Bright Diets, is a Paediatric Dietitian and Fitness Professional with an interest in sustainability. Carin wants everyone to be clever about their eating to feel happy, healthy and vibrant! Reach out at 0413 774 411, www.brightdiets.com.au or on the socials.
RECEIVE THE URGENT CARE YOU NEED, WHEN YOU NEED IT
Connection is a huge part of living on the Coast, and we love getting to know the people that make up our thriving community. This month, we chat with Emergency Physician, Dr Tom Clark, a founding member of the EUC Clinic, based in Tuggerah.
CAN YOU TELL US A BIT ABOUT YOUR BACKGROUND?
I’m from England. I attended medical school in London, graduating in 2003. After my internship, I worked in New Zealand and Australia before returning to the UK to start surgical training. After 2 years, I realised it wasn't for me and decided to pursue Emergency Medicine training and returned to the Central Coast. I completed my training and became a specialist here on the Coast in 2014. I am married to a nurse who currently works for EUC in marketing and public relations. We have 3 children living on a rural property in the mountains district; with an ever expanding garden and menagerie of animals.
DID YOU ALWAYS WANT TO PURSUE A CAREER IN THE MEDICAL FIELD?
Yes, I knew from the age of 15 that I wanted to be a doctor.
FOR YOU, WHAT WERE THE DRIVING FACTORS TO BE A PART OF OPENING EUC?
I wanted to be part of a team that could offer an alternate to residents of the Central Coast to access urgent and emergency care promptly. I wanted to build up something with colleagues who are also good friends.
WHAT HAS BEEN THE BEST THING ABOUT BEING A PART OF EUC?
Working with the great team at EUC.
THE NATURE OF EMERGENCY CARE MEANS EVERY DAY IS DIFFERENT, BUT CAN YOU TAKE US THROUGH A TYPICAL DAY AT EUC?
Emergency medicine, both in the hospital and at the EUC clinic, is unpredictable which means you never know what you are going to see. For me, this is the draw to the speciality – I treat babies with fevers, elderly people with falls to sporting and work related injuries.
WHEN YOU’RE NOT AT EUC, WHAT DOES YOUR DOWNTIME LOOK LIKE?
Acting as unpaid taxi to my kids with their various sporting activities, gardening and fattening up my steers to enjoy on the BBQ.
WHAT ARE THE THINGS YOU LOVE ABOUT WHERE WE LIVE HERE ON THE COAST?
I love the mix of the tranquillity of the mountains district with the close proximity of the stunning beaches.
I wanted to be part of a team that could offer an alternate to residents of the Central Coast to access urgent and emergency care promptly
Whattodo
As we get ready to retire and downsize, the question of how to preserve family history may arise. The older recordings are bulky and can now be replaced by digital copies at a fraction of the size. Camera House can help with this transition.
The generations born in the late 1940s and the 1950s have seen family history go from Brownie Box cameras to 35mm cameras with slides, then prints, and now to digital. In those years, films have also changed from early 8mm, Super 8 to various forms of tape and now to hard drives and removable media. Each of these older forms of recording has rapidly evolved into the next leaving the family with boxes of slides, tapes, prints, negatives and older media cards. These generally take up space around the house and are in danger of being lost, particularly on the Coast, as mould eats its way through these precious records. Camera House owner, John Ralph, has experienced this problem himself with damaged slides and tapes. This has motivated him to expand the services of the Fountain Plaza store, to provide increased archiving services with lower prices
for bulk orders. Slides are prepared in a carousel and then copied using modern digital equipment, sourced from overseas, giving higher resolution than previously commonly available. By customers filling the carousels themselves, the price is kept to a minimum.
Greatest popularity has been for transferring tapes to DVD and once digitized, conversion to files that can be stored on USB or computer and viewed on current Smart TVs. Tape conversion was so popular that the store now has quadrupled the number of transfer stations to keep waiting times down. People are finding that many older photos have been damaged through the years. Either damp and mould have allowed fungus to grow or exposure to light has caused the colours to fade. This has created demand for local restoration services.
Pictures of all sizes can be improved. They are scanned or re–photographed
and then digitally enhanced to fix colours, physical damage and even add or remove people and items from the final picture. The new picture can be enlarged from the original to produce wall art and canvases.
Frequent questions asked of the store involve film. “Do you sell film?” – Yes. “Do you develop film?” – also Yes. “Do you scan film to digital?” – Yes. Whilst film is harder to get nowadays the store searches far and wide to keep stocks up. Also the in–store film developing is very popular especially with young people wishing to try out “Grandpa's camera”. The film can be developed and either printed or scanned to USB or Dropbox. And with more people travelling again, the number one question that is asked –“Do you do Passport Photos?” – Yes. They are done in the in–store studio, from baby to adult, including all overseas passports and are generally ready in about 10 minutes.
“Key Seniors in the Photolab – Leanne, Karen, Kat and Lyn help customers preserve their family history at John Ralph’s Camera House”
BRA FITTING SECRETS: what every woman should know
BY SHELL BARKER, OWNER OF SHELL LINGERIE, BESPOKE BRA FITTING SERVICE
For many women, bra shopping can feel like a chore rather than a pleasure. Over the years, we’ve been told a lot of myths about bras—how they should feel, how long they should last, and how many we actually need. But as our bodies change through menopause and beyond, so too should our approach to lingerie. Let’s bust a few of the biggest bra myths and help you invest in the support and comfort you deserve.
MYTH #1:
Underwired bras are uncomfortable
One of the most common misconceptions about bras is that underwire is inherently uncomfortable. The truth? A well–fitting underwired bra should be completely unnoticeable. If you’re feeling poking, pinching, or pressure, chances are the fit isn’t quite right.
Underwire bras offer superior support, especially for fuller busts, and can be a fantastic option for everyday wear. That being said, non–wired bras have come a long way in design and support, making them a great alternative if fitted correctly. The key is not the wire itself but how the bra is designed to work with your shape rather than against it.
MYTH #2:
A good bra should last over a year
We often expect bras to last indefinitely, but like a favourite pair of shoes, they experience wear and tear with daily use. The elasticity that gives your bra its support naturally weakens over time. Realistically, one well–loved bra that is worn daily only has a lifespan of around 3 to 6 months.
If you’ve been wearing the same few bras for years, it might be time for an upgrade. Rotating your bras—just like
you do with shoes – can extend their lifespan. Think of your bra wardrobe as an investment in comfort, style, and self care.
MYTH #3:
You only need one or two bras
Many women own just one or two everyday bras, often wearing them on repeat. Ideally, every woman should have at least three to five well–fitting bras in her wardrobe:
One to wear
One in the wash
One ready to go
And ideally, a couple of extra options to rotate
This ensures your bras have time to rest between wears, keeping them in better shape for longer. A good mix might include a supportive everyday bra, a comfortable non–wired option for lounging, and a great–fitting pretty bra for special occasions.
Why do bras need a ‘rest’?
Just like a pair of shoes, bras need a break between wears to maintain their elasticity and support. The materials in a bra – especially the elastic – need time to recover from being stretched throughout the day. Wearing the same bra every day without a break speeds up wear and
tear, leading to a loss of support and fit. Rotating your bras ensures they stay in top condition longer, giving you better value for your investment and continued comfort.
A well–fitted bra is an investment, and so is the expertise behind it
Comfort vs. Reality: Can a bra be comfortable 24/7?
We all love the idea of an ultra–comfy bra that we forget we’re wearing, but the reality is that no bra – no matter how well–fitted – is going to feel amazing after 12+ hours, 7 days a week. Bras are designed to support your bust, not act as a second skin. If you’re feeling discomfort by the end of the day, it doesn’t necessarily mean your bra is bad; it might just be time for a break!
Many women over 55 experience changes in bust shape, skin sensitivity, or even posture shifts, making it all the more important to invest in bras that truly fit and serve you well. A professional bra fitting can make all the difference in finding something that
Bras are not just another piece of clothing – they are essential to your comfort, confidence, and wellbeing
supports you properly without digging in or riding up.
Investing in the right fit Bras are not just another piece of clothing – they are essential to your comfort, confidence, and wellbeing. A great–fitting bra can improve posture, prevent back pain, and enhance how your clothes sit on your body. It’s not about luxury; it’s about self care.
Taking the time to find the right bra is worth it. Whether it’s a wired or non–wired option, a T–shirt bra for everyday wear, or a soft–cup bra for ultimate comfort, the right bra is one that fits
your unique shape and lifestyle.
The value of professional bra fittings In the past, expert bra fitters could be found in large department stores, offering guidance for free. But times have changed, and with the decline of these in–store specialists, professional bra fitting is now a skill that must be sought out and valued. The time, knowledge, and expertise of bra fitting professionals ensure you get the right fit, which can be life–changing in terms of comfort and support.
A well–fitted bra is an investment, and so is the expertise behind it. Professional bra fitters dedicate their time to understanding the science and art of bra fitting, ensuring you walk away with lingerie that truly works for your body. Gone are the days of guessing your size and hoping for the best – it’s time to appreciate and support the specialists who keep this essential service alive.
So next time you find yourself reaching for that same old bra you’ve had for years, consider treating yourself to something that truly supports you. Because you deserve comfort, confidence, and a little bit of everyday luxury – at any age.
Shell Barker is an expert bra fitter with over 15 years of experience specializing in D+ sizes and breast care. She is the founder of Shell Lingerie, a Central Coast–based fitting studio committed to helping women find comfort and confidence through expertly tailored bra fittings. 1–2–1 Fittings are available in person and online – strictly by appointment only and can be booked online. Website: www.shelllingerie.com | Instagram: @shellfullerbust
