On The Coast Over 55 / Sept Oct 2025 / Spring edition

WELLBEING

 T R AV E L  L I F E S T Y L E  R E T I R E M E N T

YOURS FREE #67 September/October 2025

Why financial advice matters after losing a spouse

What the new FAMILY LAW CHANGES mean for you

NEW

r e c n a c g n lu SCREENING PROGRAM

CENTRAL COAST’S FAVOURITE OVER 55 MAGAZINE SINCE 2014

Welcome

Inside

Thank goodness the rain seems to have eased off... I don't think I could have managed much more sogginess... it was starting to get everyone down!

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Why financial advice matters after losing a spouse

With Spring upon us and Father's Day just around the corner, we are entering the last third of the year – What! It always tends to feel like a very quick downward slide to Christmas once we get to October and I don't know about anyone else but I'm certainly not ready for that yet.

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Technology and telecommunications made simple with Kris

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How to deal with ageism in the workforce

So while I'm starting to fill my calender with dates and events that lead into November – Eek!, I'd like to take this opportunity to wish all the Dads, Uncles, Granddads and Father–figures, a wonderful Father's Day, with a special mention to my dad Stewart. You are an extraordinary human, one whom I'm exceptionally proud to call my Dad. We love you! We adore you!

Happy Spring!

Love and light always Coasties

Art Director Tanzie Carpenter tanzie@onthecoastpublications.com.au Production Luke Carpenter luke@onthecoastpublications.com.au Editor Jessica Sanford editor@onthecoastpublications.com.au Publisher Tanzie Carpenter / 0414 611 851 Luke Carpenter / 0405 449 339

Ta nziex x x Imagery freepik.com Contributors Sophie Doyle, Sam Woods, Jordi Woods, Dorian Mode, Lydia Thorpe, Louise Hurley, Blake Gray, Sheree Orbell, Mia Eddy, Dr Georgia Page, Maggie Mackenzie and Sam Savva

10 Grand dames of the mountains

12 Looking after your health and fitness through perimenopause, menopause and beyond

14 The reality of buying and selling today – Busting four common myths

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16 What the new family law changes mean for you

18 New lung cancer screening program

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with transitions lenses as you age

Check out past articles at onthecoastover55.com.au @onthecoastover55 SEPTEMBER/OCTOBER 2025 – ISSUE 67

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WHY FINANCIAL ADVICE MATTERS AFTER LOSING A SPOUSE

BY SOPHIE DOYLE, RETIREMENT AND FINANCIAL AGED CARE SPECIALIST

Losing a spouse is one of life’s most painful experiences. Along with grief, there are often many practical matters that suddenly fall on your shoulders. One of the most overwhelming can be managing finances.

For many couples, one partner may have handled the household budget, investments, or superannuation while the other focused on different aspects of daily life. When that balance changes, it is natural to feel uncertain, anxious, or even a little lost.

Seeking professional financial advice can make a real difference. Having someone independent to walk alongside you can help you feel supported, informed, and more confident about your future.

GRIEF AND FINANCIAL DECISIONS Grief can make it hard to think clearly. Many people describe the first months after losing a partner as a fog, where even simple decisions feel overwhelming. Trying to make major financial choices about your home, superannuation, or day–to– day cash flow during that time can feel impossible.

A financial adviser can provide a steady hand. They will help you prioritise what needs attention now and what can wait. Paying bills and accessing superannuation or insurance may need to happen quickly, while

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decisions about selling a home or investing money are usually best left until later.

UNDERSTANDING YOUR CHANGING SITUATION When a spouse passes away, your financial circumstances often change overnight. This may include: Centrelink entitlements: Your eligibility for the Age Pension or other benefits may change.

Superannuation and insurance: Guidance is often needed to access funds and use them wisely. For example, Mary, 72, lost her husband last year and was unsure whether to take his super as a lump sum or keep it as a reversionary pension. With help from her adviser, she weighed the options and chose the approach that gave her steady income and peace of mind.

Household income: The loss of a partner’s income from work, super, or pension can significantly affect your budget.

Living arrangements: You may wonder whether to stay in your home, downsize, consider retirement living options, or move in with family.

A financial adviser can help you map out your new circumstances clearly so you know where you stand and what your options are.

A financial adviser can provide a steady hand.

They will help you prioritise what needs attention now and what can wait AVOIDING COMMON PITFALLS It is easy to feel pressured after losing a spouse, especially when family and friends offer well–meaning advice.

While their support is valuable, everyone’s situation is unique. What worked for one person may not be right for you.

Some common pitfalls include: Making major financial moves too quickly, such as selling a home before you are ready.

Overlooking entitlements, like different Age Pension thresholds

or concessions.

Forgetting to update your will, power of attorney, or superannuation beneficiaries.

Falling prey to scams that often target those recently widowed.

Having a trusted adviser gives you a safe sounding board before making decisions, helping you avoid costly mistakes.

THE VALUE OF A PLAN One of the most reassuring things an adviser can offer is a clear plan. It does not have to be complicated, just simple steps that reduce overwhelm: Cover immediate bills and living costs.

Access any funds from superannuation or insurance.

Review Centrelink entitlements and concessions.

Update your budget to reflect your new situation.

Look at longer–term goals, such as downsizing, travel, or planning for aged care.

Seeing these steps written down can ease the mental load and give you confidence that things are under control.

YOU DO NOT HAVE TO DO THIS ALONE Most importantly, you do not have to carry the burden of financial decisions on your own. Asking for help is not a weakness. It is a strength. It gives you space to grieve while protecting your future.

A good adviser will listen to your story, understand your priorities, and guide you gently. They will also check in regularly, knowing your needs may change over time. In many cases, a financial adviser can even act on your behalf, liaising with Centrelink and updating your details so you do not have to face endless paperwork or long phone calls during such a difficult time.

FINAL THOUGHTS Losing a spouse is one of life’s most significant changes, and it is completely natural to feel uncertain in the weeks and months that follow. While nothing can take away the grief, working with a financial adviser can ease practical stresses and offer reassurance. With support, you can focus on caring for yourself and taking things one step at a time, knowing your financial wellbeing is in safe hands.

If you or someone you know has

recently lost a partner, remember that you do not have to have all the answers straight away. Taking small steps and reaching out for guidance can help you move forward with confidence and security.

TIP: If you are supporting a friend or family member who has lost their spouse, gently suggest they speak with a financial adviser.

Sometimes just knowing help is available can make the road ahead feel less daunting. To make things a little easier, I offer a complimentary 30–minute chat where we can gently go through your options after the loss of a spouse. It’s simply a chance to ask questions, talk through concerns, and feel supported without any pressure.

Call us: 02 4325 0884 Email: erina@morgans.com.au Visit us: Make an appointment at our new office in Erina 4/168 Central Coast Hwy, Erina 2260 We’d love to see you!

Sophie Doyle (AR#000470612) is a Retirement & Aged Care Specialist at Morgans Financial Limited (Morgans AFSL 235410 / ABN49 010 669 726).

Sophie is passionate about helping people over 55 make informed decisions that empower them to step confidently into the next phase of life. She specialises in creating personalised financial strategies tailored to each client’s lifestyle, aspirations, and risk tolerance – enabling them to live a life full of meaning, purpose, and peace of mind. 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 20 August 2025.

SEPTEMBER/OCTOBER 2025 – ISSUE 67

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BELLMAX

TECHNOLOGY AND TELECOMMUNICATIONS

m a d e si m p le w it h K r is

For over 25 years, I’ve been helping locals take the stress out of technology and telecommunications. My name’s Kris, and I lead Bellmax, a small Central Coast team dedicated to giving you the kind of service you simply don’t get these days – expert, personal, and local.

At Bellmax, we make technology work for you, not against you. Whether it’s a stubborn home printer, a new smart TV that needs setting up, or a business network that keeps dropping out, we’re here to help. We come directly to your home or workplace, diagnose the issue, and sort it out on the spot. With clear, upfront pricing given at your first call, there are no hidden surprises – just honest service.

Our work goes far beyond simple tech repairs. In today’s world, scams and cyber threats are everywhere, so protecting your digital life is just as important as fixing devices. My team and I help secure your computers, phones, and networks with trusted

solutions that keep you, your family, and your business safe.

Bellmax is also a full–service telecommunications provider. That means we can take care of your NBN, mobile, and business communication systems – all under one roof. Instead of spending hours on hold with a faceless call centre, you’ll always deal with a trusted local team who know you by name.

Our expertise covers computers, laptops, WiFi networks, servers, smart TVs, phones, and Bluetooth devices. We believe technology should make life easier, and we make sure every device in your home or office works seamlessly

together. For your peace of mind, every member of the Bellmax team is police– checked and holds a Working with Children Check.

So, whether you’re setting up a home office, upgrading your internet, or making sure your devices are safe and working at their best, my team and I are ready to help. With Bellmax, you don’t just get technical support – you get a local name you can trust.

Call 02 4315 3777 or 0490 907 377 and don’t forget to ask for me, Kris. bellmax.com.au

SEPTEMBER/OCTOBER 2025 – ISSUE 67

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Ageism

VIBRANT CONCEPTS

HOW TO DEAL WITH in the workforce!

BY SAM & JORDI WOODS

With many women and men having to, and in some cases wanting to, stay in the work force longer we are finding that the age demographic of people working is older as many are choosing not to retire in their 50s and 60s.

In general as a population we are much more youthful than in generations gone by however, unfortunately there still seems to be a common problem and challenge around “ageism” for those opting to stay in the work force in their later years.

As a business woman, Brand Coach and woman of 58 myself, I am sharing with you my five key style strategies that I teach and also apply myself when it comes to dealing with and combatting any “ageism” stigmas and challenges in the work force.

Stay Modern

Having an image and mind set that is modern and in touch with today’s trends sends the hidden message that you are up to date, and at the forefront of your field. This does not mean you have to be a fashion victim: but rather know how to present your personal image with a confidence that is relatable to your field and that does not make you look outdated and behind the current market.

Be relevant

Know the benefits you can

personally bring to your work and these assets can enhance today’s way of communication.

Embrace technology

Don’t be scared of social media, AI or online ways of working. Learn what you can that is relevant to your work but don’t try to know it the way younger generations do, use it to your advantage along with old–school thinking to create an ideal communication balance.

Don’t try to be younger

Be sure to showcase and use examples of your years of experience in a positive way. It is your main point of difference in your mature employment years. When it comes to your appearance always ensure you are well groomed and embracing modern versions of acceptable dress codes for the organisation you are working in.

Be inspirational & energetic

You don’t need to look younger than your years but you don’t want to look tired or incapable of being active in your role. Opt for outfits that compliment your body and define your

personality. Know your “style” and stay true to you! Our age doesn’t define the type of clothes we can wear.

Honestly ageism isn’t only evident in the workforce, sadly it can be found in everyday interactions too.

Therefore, the key to managing and rising above any negativity around getting older is to maintain a positive and grateful mind set.

As the younger generation also ages they too will realise that our skills, experience and how we treat people and approach challenges is ageless.

Vibrantly yours, Sam & Jordi x

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

SEPTEMBER/OCTOBER 2025 – ISSUE 67

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GRAND DAMES OF THE

s n i a t moun

A WEEKEND AT THE CARRINGTON HOTEL PROVES THAT SOMETIMES THE BEST ADVENTURES HAPPEN WITHIN THE BUILDING

The Carrington Hotel History circa 1927

WORDS BY DORIAN MODE PHOTOGRAPHY BY LYDIA THORPE

The Carrington Hotel looms over Katoomba like a grand dame. And unlike its flashier neighbour, the Hydro Majestic, perched dramatically on the cliff edge like a socialite posing for Instagram, The Carrington has something equally appealing: location.

The train station sits directly opposite – a stroke of genius for those 1920s honeymooners who arrived without a motorcar, clutching their leather suitcases and romantic notions.

These days, it’s equally handy for thrifty seniors who prefer public transport ($2 fares) to navigating the winding mountain roads in the fog.

Accommodation with architectural integrity We’re staying in the Tomah Suite, where the grand canopy bed dominates like furniture that escaped from a stately home and refuses extradition.

The Chesterfield lounge practically demands you sprawl across it with wine and literature.

The shmicko bathroom could accommodate a small wedding reception, while some ‘traditional rooms’ still feature bathrooms located just outside the room, a charming reminder of when shared facilities were standard rather than grounds for scathing online reviews. These days, most guests expect ensuites, which we mercifully possess.

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The Carrington’s history doesn’t whisper from corners – it announces itself with the confidence of someone who’s earned speaking rights. Dating back to the 19th century, the hotel displays original features that make heritage enthusiasts like us weak at the knees. Art Nouveau stained glass catches the light like stolen jewellery, there’s a dining room from an F Scott Fitzgerald novel, while the billiard room and library tell stories of a long lost era.

Royal accommodations and mechanical determination We adore the magnificent stained– glass dome that was built in the 20s specifically for the Duke and Duchess of York, who later became monarchs – because apparently even future kings require architectural flattery.

There’s even a secret mezzanine level where Their Royal Highnesses–es were sequestered from us ordinary humans, proving that VIP treatment was invented long before celebrity culture made it insufferable.

The fab original 1927 Otis lift continues operating with the cheerful determination of vintage machinery that refuses retirement. It’s the sort of lift that inspires small prayers – not from terror, but from respect for its century–long commitment to vertical transportation despite deserving superannuation benefits by now.

One of the hotel’s most intriguing features is the erstwhile widow’s walk – atmospheric and slightly spooky in the best possible way. It’s the kind of place where you half–expect to encounter the

ghost of a Victorian lady in mourning.

This walk is under restoration; indeed the hotel is in a perpetual state of resto – like the harbour bridge. Once they finish, they must start again, bless.

Liquid assets and historical convenience The old powerhouse has been transformed into Carrington Brewery, its chimney a beloved landmark rather than industrial pollution. We venture into the cellar and discover French reds from the ‘60s and ‘70s at prices that would make Sydney wine bar proprietors question their career choices and possibly their sanity.

When evening arrives, we meet chum, former ABC broadcaster Simon Marnie at The Old City Bank Brasserie, housed in what was once an actual bank before becoming a saloon and finally evolving into a place serving upmarket pub food without pretension.

Simon, recovering from hip replacement surgery and at the Carrington hosting a truffle–inspired food event, shares the story of a Byron Bay friend requesting directions to the Carrington. “Step off the train,” he advised, “tell the cabby ‘take me to the Carrington!’ The fifteen– second journey probably cost more than the train fare.

The Brasserie atmosphere remains refreshingly unpretentious – the kind of establishment where ordering a second bottle doesn’t trigger concerned looks or financial counselling. Downstairs, The Old City Bank Bar maintains proper pub standards, with weekend live music

Wine cellar – The Carrington

Carrington Saloon Bar 1950s

Dating back to the 19th century, the hotel displays original features that make heritage enthusiasts like us weak at the knees transforming the space into something approaching festive without requiring participation in group activities.

Psst! They’ve also opened the Baroque Room for intimate concerts by touring acts, creating a speak easy atmosphere that conjures images of secret passwords and prohibition–era shenanigans.

Telephonic evolution and authentic character The hotel’s telephone number tells its own story of technological progress.

Once simply “1 Katoomba – the entire town’s connection to civilisation flowed through The Carrington’s switchboard.

Today, additional digits accommodate our modern compulsion to complicate simple systems, but the original number persists like a bureaucratic fossil.

The Carrington Hotel

Summing up What I love about The Carrington is its refusal to apologise for being exactly what it is: a grand old hotel that’s earned its mountain position through more than a century of welcoming travellers who understand the difference between character and a marketing budget.

This raises an obvious question: why would anyone choose a Travelodge for equivalent money? It’s like purchasing flat–pack furniture when vintage shops offer pieces with actual dovetail joints and timber that wasn’t previously recycled Coles pallets. The Carrington provides authentic character that can’t be manufactured – grand staircases built by craftsmen who understood pride in workmanship, stained glass positioned to catch light precisely so, and stories embedded in every creaking floorboard.

In a world obsessed with boutique hotels and design–forward accommodations, The Carrington stands as evidence that sometimes the best luxury is simply occupying space with genuine narrative.

The Old City Bank Brasserie

Art Nouveau stained glass “Bath’s" window

After all, the most interesting places don’t need to explain themselves to people who think history is just old stuff that needs updating.

FACT BOX THE CARRINGTON Escape Package Price: Starting at $370 for two guests Includes: Overnight midweek stay in Colonial Room, breakfast, and two–course dinner in Grand Dining Room Availability: Throughout the year | Additional Information Three different packages currently available Website: thecarrington.com.au/stay/packages/

Carrington Suite

SEPTEMBER/OCTOBER 2025 – ISSUE 67

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Looking after your health and fitness through perimenopause, menopause and beyond

BY LOUISE HURLEY, MumSafeTM TRAINER OF THE YEAR 2022

P

erimenopause, menopause, and the years that follow bring big shifts, physically, emotionally, and mentally. For many women, it can feel like your body is changing in ways you didn’t expect: sleep feels harder to come by, stress levels rise, your joints may feel stiffer, and exercise routines that once worked don’t feel the same.

intensity workouts every day. Instead, think consistent, enjoyable movement: Brisk walking: Even a 10–20 minute walk everyday can lift your mood, ease stress, and support heart health Flexibility and mobility work: Working on mobility a few times per week can help ease stiffness, improve posture, and support balance.

The truth? You’re not alone, and there are ways to support your health through this transition. With the right approach to movement, strength training, nutrition, and mental wellbeing, you can not only feel better but also build resilience for the years ahead.

Your energy levels may fluctuate from day to day. Adjust your activity to match how you feel, rather than pushing through exhaustion. Consistency is more powerful than intensity.

Daily Movement One of the most powerful things you can do during perimenopause and menopause is to keep moving. Regular physical activity helps reduce stiffness, supports your heart, and boosts energy and mood. But that doesn’t mean you need to push yourself through high–

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Strength and high impact training: lifting and landing heavy for strong bones and muscles As estrogen levels drop during menopause, women naturally face a greater risk of bone density loss, joint issues, and muscle decline. This is where strength training, especially lifting heavy weights, and high impact movements become essential.

Lifting weights is not just about building muscle; it’s about protecting your future health: Stronger bones: Heavy resistance training and high impact movements like jumping, hopping, skipping or running helps maintain and even increase bone density, reducing the risk of osteoporosis. If your pelvic floor isn’t able to cope with high impact movements (you leak when you jump, for example, or you feel a heaviness or pressure through your pelvis) I highly recommend visiting a pelvic health physiotherapist.

Joint stability: Muscle strength supports and protects your joints, lowering the risk of pain and injury.

Metabolic health: More muscle means better energy, blood sugar regulation, and overall vitality.

Confidence: Strength training gives a tangible sense of progress, whether that’s lifting heavier, moving more easily, or simply feeling stronger in your day–to–day life.

Aim for 2–3 resistance training sessions a week, and don’t shy away from challenging yourself with heavier weights (safely, with good technique.

Technique always comes before increasing load). This is one of the most powerful investments you can make in your long–term health.

Nutrition: fuel for energy, strength and balance Your body’s nutritional needs shift during perimenopause and menopause.

Hormonal changes can affect appetite, digestion, and how your body uses energy. Rather than restrictive diets, focus on balanced, nourishing choices that keep you energised.

Mental health: managing stress and prioritising sleep Hormonal changes can make stress feel harder to handle and sleep more disrupted. Many women find themselves lying awake at night, waking frequently, or feeling wired but tired.

Stress and poor sleep can have a knock–on effect on mood, concentration, and energy. That’s why protecting your mental health is just as important as looking after your body.

Some key areas to prioritise: Protein: Crucial for maintaining and building muscle. Include lean meats, fish, eggs, beans, lentils, or plant–based proteins with every meal.

Calcium and Vitamin D: Vital for bone health. Leafy greens, dairy (or fortified alternatives), and safe sun exposure are your allies here.

Healthy fats: Omega–3s from fish, nuts, and seeds support brain health and reduce inflammation.

Fibre: Wholegrains, fruits, and vegetables aid digestion and support heart health.

Hydration: Staying hydrated is important for energy, concentration, and managing symptoms like hot flushes.

Focus on adding nourishing foods rather than cutting things out.

Small, steady changes often have the biggest impact.

Some helpful practices include: Mindful movement: Yoga, stretching, or gentle walks can calm the nervous system.

Breathing or meditation: Even 5 minutes of slow breathing can help lower stress.

Sleep hygiene: Keep a consistent bedtime, avoid screens before bed, and create a cool, dark sleep environment.

Boundaries: Saying “no” to things that drain you is a form of self–care.

Community: Talking openly with other women going through the same transition can be reassuring, you’re not alone.

is different, and there is no one–size– fits–all. It’s worth speaking with your GP or healthcare provider about symptoms you’re experiencing. Options like hormone replacement therapy (HRT), medication, or other supportive treatments can be a safe and effective way to manage symptoms and improve your quality of life.

Don’t wait until symptoms feel overwhelming. Reaching out early can help you feel more in control and supported.

Thriving Beyond Menopause Perimenopause and menopause aren’t an end, they’re a new chapter. By embracing movement, prioritising strength training, nourishing your body, and caring for your mental wellbeing, you can step into this stage of life with strength and confidence.

Remember: you don’t need to do everything at once. Small, consistent steps create lasting change. And you deserve to feel energised, resilient, and at ease in your body, not just now, but for decades to come.

If stress, anxiety, or poor sleep are impacting your daily life, seek support from your GP or a women’s health specialist. Sometimes additional help, whether through lifestyle support, therapy, or medication, can make all the difference.

Talking to your GP or healthcare provider Every woman’s menopause journey

Louise Hurley, owner of Strong Mums and the Body Resilient Mum podcast is on a mission to help mums to return to exercise safely and realise that they are so much more than what their post–baby body looks like, at any stage of motherhood. Find out more at www.strongmums.com

SEPTEMBER/OCTOBER 2025 – ISSUE 67

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THE REALITY OF BUYING AND SELLING TODAY – Busting four common my ths

BY BLAKE GRAY, PRINCIPAL AT APEX ESTATE AGENTS

Buying and selling property can be confusing and stressful at the best of times. Since we closed the curtains on the 20th Century in many respects real estate as an industry has experienced a kind of renaissance. With it, this revivification in the 2000s has brought about much change which means that many things are not as they once were. Staying abreast of these new trends, norms, technologies, costs, laws and processes is challenging.

Domestically the Baby Boomers are the largest group entering retirement, with Generation X next to follow them. If you’re looking to downsize or considering retirement living, wish to move closer to the kids and grandchildren, or perhaps it’s simply been a while since you’ve bought and sold property, then this article is for you. By busting these 4 common myths you’ll be more prepared when buying and selling in this new landscape.

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MYTH 1: I need to sell before I buy This is amongst the most prevalent myths that still permeates the culture.

Likely borne out of the fact that many people are trying to mitigate particular risks sometimes associated with looking to secure a new home before their current one has sold – the main risk here being that of a settlement deadline or possible lack of available funds.

Selling before you buy can also present potential risks and undue stresses

resulting from these, such as the need to move twice; compromising on the next property due to a short settlement deadline or shortage of suitable available properties; lack of funds resulting from rising property prices and so on. Speak with your real estate agent and your Solicitor/Conveyancer about the options available to you should you wish to secure your new home prior to selling your current residence. Some options that may be

available to you are below.

Extended settlement timelines.

A deposit bond.

Financial assistance – bridging loan.

A licence agreement.

It is also worth noting that if you’re considering retirement living, many of these allow you to secure a spot with some flexible terms.

Residency information and certification.

Offers in writing.

Confirmation of verbal discussions in writing.

There are many other types of supporting documentation that they may need to sight/source – many of which will be case–specific.

MYTH 2: the handshake still retains its currency This myth persists probably because in some sense it’s a remnant of a simpler time – a time where someone’s word was their bond and a time in which a deal or agreement was confirmed with a handshake. A time for which people are generally nostalgic and rightfully so. Alas, in an age of tighter rules, increased oversight and more legislation this can no longer be the case. If you’re buying and/or selling it is important to know that the professionals with which you will be engaging must follow very specific, detailed processes in order to do business and act on your behalf. Ultimately they follow these for your protection and to safeguard your interests. It is common and legally necessary that they may request some on the following.

Photo identification.

Proof of ownership documentation.

Rates notices and water bills.

MYTH 3: Associated costs haven’t changed – Why do I need to pay for the bells and whistles?

If you haven’t sold/purchased property in a while then the associated costs often come as somewhat of a surprise.

As we’ve discussed above, buying and selling is not what it once was. Likewise the methods by which properties are advertised and marketed have also evolved considerably. The expression ‘bells and whistles’ should be replaced with ‘staples, essentials, or requisites’.

Property videos, social media presence, property signage and online advertising via the main real estate portals are all integral to your success – these are tools that perform important functions.

Remember, you get what you pay for.

When planning your sale or purchase these are some of the essential costs that you should allow for.

Possible improvements to prepare your home for sale.

Marketing/advertising for your

current home.

Agent’s selling fee (either a fixed amount or percentage of the sale price).

Solicitor/Conveyancer fee (incurred for each transaction).

Stamp Duty Tax for your new home (for those considering retirement living this tax may not apply).

Moving costs.

Buyers Agent fee (only applicable if you engage a Buyers Agent to help you find your new home).

MYTH 4: The best time to sell is when the market is at its peak.

We can bust this one relatively swiftly.

Consider the following questions.

Is the timing right for me and my circumstances? Do I like the property I’ve seen? Can I afford to take this step after selling my current home? If your answer is ‘yes’ to all of these, then perhaps now is the right time for you, irrespective of the market.

Disclaimer – This article contains general information only and should not be regarded as imparting legal, financial, accounting, or any other form of advice.

The article contains information from third parties.

The author disclaims all liability for the information contained in this article. Readers should seek independent advice from professional sources.

Blake Gray | Principal APEX Estate Agents – Blue Bay 0448 822 123 | bg@apexestateagents.com | apexestateagents.com bg_mylifeinrealestate

@unlockedwithblake

APEX Estate Agents are a team of avant–garde real estate specialists, marketing experts, and consummate professionals absolutely obsessed with challenging the status quo. We exist to be the ultimate custodians for our clients, thus improving their quality of life through property – that’s our raison d’être.

SEPTEMBER/OCTOBER 2025 – ISSUE 67

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WHAT THE NEW FAMILY LAW CHANGES MEAN FOR YOU Recent reforms affect property settlements, spousal maintenance and even who gets the dog.

BY SHEREE ORBELL, SOLICITOR DIRECTOR AND MIA EDDY, PARALEGAL AT ORBELL FAMILY LAWYERS

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f you’re going through a separation or supporting someone who is, recent changes to Australia’s family law system may directly affect you. From property division to financial abuse and even who keeps the family pet, updates to the Family Law Act 1975 (introduced by the Family Law Amendment Act 2024) came into effect on 10 June 2025.

These changes aim to modernise the law, reflect today’s family dynamics, and create clearer, fairer outcomes.

Here’s what you need to know.

Recognising the impact of family violence For the first time, the law now explicitly recognises the effects of family violence when determining financial and property matters.

Importantly, the legislation provides clear examples of economic and financial abuse, such as: Controlling access to money.

Sabotaging employment or income.

Racking up debt in a partner’s name without consent.

Coercive behaviour in relation to dowries.

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When dividing property, the court must now consider how family violence may have affected a person’s contributions during the relationship and their financial circumstances after separation. For instance, if someone was prevented from working or faces ongoing costs due to recovery from abuse, these factors can now influence the settlement.

Courts must also consider family violence when deciding whether spousal maintenance should be paid.

Pets are no longer just property In a welcome shift for animal lovers, pets (specifically companion animals) are no longer treated simply as property. The law now offers a separate framework for determining who keeps the family pet after separation.

Companion animals are those kept primarily for affection, such as a dog or cat. Animals used for work, farming or business are excluded.

The court can now consider: Who has been the primary carer for the animal.

Any history of abuse or

mistreatment.

The emotional attachment of a party or child to the pet.

Each person’s ability to care for the pet going forward.

Importantly, the court cannot make orders for shared care or joint ownership of pets. It must assign sole ownership unless both parties privately agree to other arrangements.

Property division and future needs The amendments also broaden the factors the court must consider when dividing property and finances after separation.

These now include: Reckless or deliberate wasting of money or assets (such as gambling or gifting large sums).

The reasons for taking on debt, including family loans or irresponsible borrowing.

The housing needs of any children involved in the matter.

This ensures a more realistic, needs– based assessment when determining how assets should be divided.

In a welcome shift for animal lovers, pets (specifically companion animals) are no longer treated simply as property A less adversarial approach in court Legal proceedings can be stressful, especially when there’s conflict or family violence involved. The new laws allow courts to take a more flexible and less adversarial approach in property and financial cases, provided both parties agree, or the court considers it suitable.

In parenting cases, this less confrontational approach already applies automatically. It allows judges to be more involved in managing proceedings and encourages the use of technology to reduce in–person appearances, especially where safety is a concern.

Strict rules of evidence may also be relaxed unless the court decides otherwise, making the process less formal and more accessible.

Court oversight: Courts now have clearer powers to control how arbitration is conducted, or to end arbitration if safety concerns arise.

Duty of Disclosure: now part of the law If you’re separating, you are legally required to provide your former partner with full and honest financial information. This includes bank statements, payslips, superannuation details, and information about all assets and debts. This obligation is called the duty of disclosure.

What this means for you If you’re currently going through a separation or thinking about separating, these changes may significantly affect your rights and responsibilities.

Whether it’s ensuring financial fairness, protecting yourself from abuse, or deciding who keeps the family dog, the new laws offer more clarity and protection.

Under the new laws, this duty is now formally embedded in the Family Law Act, which strengthens its legal significance. If a party fails to comply, the court may: Alter the property division in the other party’s favour.

Order legal costs to be paid.

Impose fines or other penalties.

Other key updates Arbitration: The reforms introduce a unified list of matters that can be resolved through arbitration, making private resolution more accessible.

NEED HELP? Contact Orbell Family Lawyers to speak with one of our experienced solicitors.

Mention this article to receive a free 15–minute discovery call.

Phone: (02) 4314 6080 www.orbellfamilylawyers.com.au 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.

SEPTEMBER/OCTOBER 2025 – ISSUE 67

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NEW Lung cancer screening program

BY DR GEORGIA PAGE, GP AT YOUR FAMILY DOCTORS, ERINA

Australia has long been a world leader in cancer prevention, with well–established national screening programs for breast, cervical, and bowel cancers. Now, for the first time, lung cancer is joining that list. As of July 1, a new National Lung Cancer Screening Program is available across the country offering eligible Australians a chance to detect lung cancer early, when treatment is most effective.

Why lung cancer screening matters Lung cancer is the fifth most common cancer and remains the leading causes of cancer death in Australia. Each year, more than 13,000 Australians are diagnosed with lung cancer, and sadly, over 8,000 lose their lives to the disease.

That’s more than breast, prostate, and ovarian cancer deaths combined.

One of the biggest challenges is that lung cancer often doesn’t show symptoms until it’s already advanced.

That’s where this new program can make a massive difference by finding cancers when they’re small and more treatable.

What is lung cancer screening?

The screening uses a special type of scan called a low–dose computed tomography (CT) scan. Unlike a regular chest X–ray, which can miss small abnormalities, a low–dose CT scan creates detailed images of your lungs using a much lower dose of radiation than a traditional CT scan.

Research shows that regular screening with a low–dose CT can reduce deaths from lung cancer. In trials overseas, lung cancer screening has been shown to detect around 70% of lung cancers at an early stage – a time when treatment can be more successful and less invasive. If detected early, more than 65% of lung cancers can be successfully treated.

The scan is quick, painless, and uses a much lower dose of radiation than a typical CT scan. It provides a clear image of the lungs, allowing doctors to spot any signs of cancer long before symptoms might appear.

Who is eligible for lung cancer screening?

The new screening program is designed

for people who are at higher risk of developing lung cancer. Specifically, it targets those who: Are aged between 50 and 70 years.

Currently smoke or have smoked in the past (equivalent to a pack a day for 30 years).

Do not have symptoms of lung cancer.

Even if someone quit smoking years ago, they may still be eligible due to the lasting effects tobacco can have on the lungs.

The screening is free, and eligibility is assessed in consultation with a GP. If you or someone you know falls into this group, it’s worth having a conversation with your doctor to see if screening is appropriate.

What’s involved in the screening process?

Participating in the program is simple and involves the following steps: Book an appointment with your GP Your doctor will talk with you about your medical and smoking history to determine if you meet the eligibility criteria. This includes determining if you have a ’pack–a–day for 30 years’ history of smoking.

Check eligibility and enrol in the program If you qualify, your GP will help you enrol in the National Cancer Screening Register (NCSR), and you’ll give your consent to participate.

Referral for a low–dose CT scan You’ll be referred to an imaging centre for your scan.

Have the scan The scan takes only a few minutes and does not require any preparation.

Receive your results Your scan results will be reviewed

and shared with your GP. If anything unusual is found, your doctor will discuss next steps, which may include further tests or monitoring. If you are found to be low risk you will get a reminder to repeat the test in 2 years.

What if you’re not eligible?

If you’re outside the eligible age range or don’t have a smoking history, you won’t qualify for this program. However, it’s still important to be aware of the signs and symptoms of lung cancer, which can include: A persistent or worsening cough.

Chest pain.

Coughing up blood.

Shortness of breath.

Unexplained weight loss.

Ongoing fatigue.

If you experience any of these symptoms, you should speak to your GP as soon as possible – regardless of your eligibility for the screening program.

A new chapter in cancer prevention The introduction of this program brings lung cancer screening into line with Australia’s other successful national screening efforts. Breast, cervical, and bowel cancer programs have already made a major impact in reducing deaths from those cancers, and lung cancer screening is expected to do the same over time.

If you’re in the 50 to 70 age group and have a smoking history, don’t assume you’re in the clear just because you feel fine. Lung cancer can grow quietly and a simple, free scan could catch it before it becomes serious.

Book an appointment with your GP to find out if you’re eligible.

Dr Georgia Page enjoys all aspects of general practice and has been working at Your Family Doctors at Erina for the past 12 years. The practice has a fabulous team and they pride themselves on delivering good quality health care, with that special personal touch. For more information call 4365 4999, check the website www.yourfamilydoctors.com.au or like them on Facebook.

Resources – National Lung Cancer Screening Program www.health.gov.au/our-work/nlcsp

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SEPTEMBER/OCTOBER 2025 – ISSUE 67

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Get back to B o n d i

BY MAGGIE MACKENZIE

window, the smelly concrete tiny backyard. And about the beach and the surf – being dumped, and the thrill of catching my first wave.

What inspired me to write about my 1950s Bondi childhood now?

I’d joined a stimulating creative writers’ group in Blackheath, having to bring something new to read out every week.

I’ve done a lot of therapy, finally freeing up ‘Little Deb’. Sensory memories of true events were crystallising.

I started to write about my world in our block of flats, the nice entrance and the grotty entrance, racing downstairs to save a fish that leapt out of the

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Immediately I was writing in the voice of a child like I was on a wave. A Bondi life in 1950s and 60s. The Waverley local history librarian validated encouragingly the significance of my personal stories. I didn’t set out to write a book or memoir as such. It’s an immersive ride, all told in the present tense, like you are right there with me.

The title arrived with a flashback.

I’d been made to feel ashamed of living not only in a flat, but in Bondi. Some privileged classmates recognised I was sensitive and bullyable. I worked hard academically to hold my own. It was an absolute shock when the new headmistress saw us sunbaking with no shoes and socks, but singled me out by

name to “Get back to Bondi where you belong” I was 17, furious and silent.

Until now.

Like Ruth Park’s trilogy Harp in the South that brought dignity to early days in working class Surry Hills, I wanted to bring dignity to the flats I lived in from 1952–1970.

Bondi then vs now Everything revolves around the beach, sunbathing, surfing and views. Back then there were no street trees, just buildings and cockroaches.

In 1950s everyone was more equal.

Most of the population were renters living in similar blocks of three storey flats, many art deco. Post war European refugees settled in Bondi. Daily in 1950s, flats burned their own rubbish, a coke man heated the hot water, the ice man came to fill the ice chest and horse and cart vendors brought fruits and

vegetables, and soft drinks.

Big changes in Bondi’s attitude to property and wealth came with the new strata laws from 1961 which allowed flats to be bought and sold individually. This led to old blocks having penthouse conversions, a café culture and trendy bars and eateries.

Now the streetscape is green with mature native species. After Covid and Costa (of Gardening Australia, who lives in Bondi) veggie growing on the verges is spreading.

Get back to Bondi where you belong – I was 17, furious and silent. Until now As always, the Bondi and North Bondi Surf Life Saving clubs carry their continuous safety culture and opportunities for young Nippers to join. Bondi Icebergs members pride themselves on their egalitarianism membership.

What’s new are the many ‘learn to surf’ schools especially for tourists.

Visitors play ‘spot the celebrity’ sports star, actor, model – under the beach showers.

Ironically any girls attending my posh school would now be considered supercool to come from Bondi.

Characters and Community Mrs Ross, the breakfast cook at the Raffles Hotel, was very kind and looked after me after school when Mum was

working. She lived in the middle of our building and knew the goings on but never gossiped.

My wildest childhood memory is catching the bus by myself in my pinafore at age three to go to school, and getting off the bus at busy Edgecliff.

What essence of old Bondi still lives in you today?

Attuning to Nature, noticing, listening, smelling all that’s around me. Still being a rascal!

Family and belonging The north end of the beach, the rock platforms, with its seaweeds and marine animals was my true home. An only child, my imagination blossomed.

Grandma joining us when we went to the beach with her old wigwam and teaching me to ride my surfoplane was the best. We hit the beach whenever we could – only after the housework was done.

What are your sensory memories Smelling the sea’s salty tang, the sight and sound of the tide rushing in, foaming over rocks, brings me to tears.

That first wave – the speed of being out of control!

Which memories did you especially select?

Up to ‘coming of age’ into the 60s, and true stories that were hairy – flying out of my father’s car; getting stuck in the milk servery.

What do you hope senior readers will take away?

Be curious – write memories down.

As you’re writing something can wake up in you. This book stirs memories.

I don’t have children but I’m glad to leave a record of life in old Bondi for others to come.

Maggie Mackenzie: Get back to Bondi – Tales of an Adventurous Kid Sales, Enquiries, Author talks : www.cheekyparrotpress.com.au

SEPTEMBER/OCTOBER 2025 – ISSUE 67

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CLEAR, COMFORTABLE VISION WITH TRANSITIONS LENSES AS YOU AGE

BY SAM SAVVA, PRACTICE MANAGER AND FRAME STYLIST AT ADRENALINE OPTOMETRY

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s we age, several changes occur in the eye that can affect the way we see. The eye’s natural lens gradually yellows and becomes less flexible, reducing its ability to focus on near objects and increasing sensitivity to glare from bright lights. The pupils also become smaller, allowing less light to enter the eye, which can make vision in dim conditions more difficult. Over time, this heightened sensitivity can also make daily activities like driving, walking outdoors, or reading in bright light more tiring and potentially unsafe.

Living on the Central Coast means enjoying plenty of sunshine, but it also comes with higher exposure to harmful UV rays. Australia already has some of the strongest UV levels in the world due to its location and thinner ozone layer, and being near the coast increases this risk further, as sand and water reflect UV light. Combined with an active outdoor lifestyle, this puts Central Coast locals at greater risk of UV–related eye conditions such as cataracts and pterygium (surfers eye), making quality UV protection for the eyes essential all year round Transitions® lenses are more than just glasses, they’re smart eyewear that adapts to the light around you. Outdoors, they darken to protect your eyes from harsh sunlight and UV rays, while indoors they quickly return to clear.

Perfect for everyday wear, they save you the hassle of switching between regular glasses and prescription sunglasses, giving you comfort, convenience, and protection all in one pair.

No matter if the lenses are clear or tinted, they always deliver comprehensive protection against UVA and UVB rays. The newest addition to this series, Transitions® GEN S™, remains entirely clear when indoors and rapidly darkens when exposed to outdoor light, achieving its maximum tint in mere seconds. This version features improved light responsiveness, reaching category three darkness in less than 30 seconds and reverting to clarity in approximately two minutes. It also boasts greater durability compared to its earlier model, Transitions® GEN 8™. Transitions® Light

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Intelligent Lenses™ seamlessly adapt to changing light environments, shifting from clear indoors to dark outdoors and back again.

They block 100% of UVA and UVB rays while also filtering blue–violet light, both inside and outside.

Transitions® lenses are an excellent choice for single vision or multifocal wearers because they combine the convenience of progressive vision correction with adaptive light control.

This means you can enjoy clear near, intermediate, and distance vision indoors, and step outside without switching to sunglasses, your eyes stay comfortable and protected from UV rays all day.

Available in a range of colours including Gray, Graphite Green, Amethyst, Amber, Sapphire, Emerald, Brown, and the new Ruby, these lenses are designed to maintain true colour at all times, providing vibrant hues no matter the lighting.

With Transitions® GEN S™, you can achieve a fashionable appearance that pairs well with any attire while providing excellent clarity indoors and vibrant colors outdoors. This newest iteration improves visual performance and responsiveness, boasting a 39% quicker recovery from bright light than traditional clear lenses, guaranteeing a smooth visual experience across various lighting environments.

Benefits of Transitions® Lenses: Convenience: One pair for both indoors and outdoors.

UV Protection: Consistently shields your eyes, so you never have to worry about forgetting sunglasses.

Variety: Available in a wide range of colours to match your style.

Value: A smart long–term investment.

Versatility: Even activates on cloudy days.

Things to Keep in Mind: Lenses won’t fully activate in a car due to windshield UV protection.

They don’t replace traditional sunglasses in extreme sunlight or

sports situations.

Higher upfront cost than standard lenses, but long–term convenience and protection can outweigh this.

They might activate in doors if the surrounding windows do not have UV protection.

Within the Transitions® range, XTRActive® lenses are designed for those who need extra protection. They block 100% of UVA and UVB rays while also filtering blue–violet light, making them ideal for people who are light–sensitive or often in bright conditions. XTRActive® lenses offer deeper darkness and stronger glare protection both indoors and outdoors. Available in Gray, Brown, and Graphite Green, they even come with a polarized option in Gray for maximum glare reduction.

In 2024, I wrote a short article on Transitions® lenses, highlighting the colours available on three of my favourite optical frames. This year, I’ve been lucky to add two more frames to my collection, both featuring Transitions® lenses for everyday wear.

In my Oakley (clear frames), I enjoy multifocal lenses with Ruby Transitions®, which combine stylish, fashionable colour with everyday functionality.

In my Prada (smoky grey rectangle frames), I wear multifocal lenses with Grey Transitions®, offering comfort and protection in all lighting conditions from bright sunlight to overcast days, making them perfect for daily use.

To learn more about Transitions GenS®, XTRActive® or Polarized, please consult with your local optometrist or visit us in store at Adrenaline Optometry Terrigal.

We have samples to show you to simulate what your specs can look like.

See Your Passion with Adrenaline Optometry 1/15 Church St Terrigal NSW 2260 02 4339 0900 www.adrenalineoptometry.com.au

SEPTEMBER/OCTOBER 2025 – ISSUE 67

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