16 minute read
Snug, y et stylish in a scarf
Snug, yet stylish in a scarf
NEW WAYS WITH A WINTER FAVOURITE! BY SAM & JORDI WOODS
The middle of winter. The weather is cold, so out come the big coats, cosy knitwear and yes a favourite for many – the scarf!
This season scarves have taken on a whole new role in our wardrobes. Not only are they cosy essentials, this winter they are a trending must have.
Time to style up your outfits with fashionable-function! We have 5 new ways to style a scarf and the 3 types of scarves you need to get creative with.
Scarves to try: The Silk Scarf: Silk is a magical, natural fibre that will keep you cool in summer and warm in winter due to its breathability. Therefore, this light weight, luxurious fabric makes styling super practical all year round and a viable investment in your wardrobe to enjoy on multiple occasions. The “Snood”: A “snood” is a combination between a scarf and a hood. It has no end as it is joined together to form a loop. This simple design means it can be worn in multiple ways or just simply draped around the neck with minimum fuss or effort The Mini Scarf: Easy to manage and perfect for when a long or chunky scarf is just too much fabric or bulk. This season the mini scarf is “multi tasking” with outfits and not just worn around the neck for warmth as you will see below.
5 new ways to style your scarf 1. Loop it around the strap or handle of your handbag, creating a new look strap! 2. Fasten it ar ound a ponytail 3. Tie it ar ound your handbag 4. Knot it a t your neck 5. Dr ape it around your shoulders and fasten with a brooch The secret to styling a scarf is not to fuss! The more you fuss trying to make it
perfect the more frustrated you end up because it isn’t “perfect”. So have fun, don’t take scarf styling too seriously and let your creative mind get to work!
Stay stylish, Sam & Jordi Woods
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 ‘VibrantConcepts’, Sam & Jordi have transformed the lives of thousands. Let Sam & Jordi show you how to look and feel fabulous everyday 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 VibrantConcepts phone 0425 221 676.
with John Wilson “Teaching Yoga on the Peninsula for 10 Years”
3 Chambers Place, Woy Woy (Gnostic Corner) Mobile: 0427 44 22 30
Chair Yoga makes yoga accessible for everyone! Enjoy all the benefits of yoga – improved flexibility, mobility, strength and balance while sitting safely and being supported by a chair. These classes are ideal for seniors, those with disabilities, limited mobility, the chronically ill, Alzheimer’s patients and people pre/post surgery or anyone new to exercise.
The reality of Retirement: three phases
Did you know there are three distinct phases in retirement? Income needs vary as we age, rather than remain static, so advice is critical.
Planning for your retirement can be exciting. To maximise your independence and minimise frailty risk, consider your needs across the three phases of retirement. PHASE 1 is the initial period with ‘active’ years to focus on travel, spending time with family and friends and basically loving life. Health and wellbeing during this time are good, and the income needs in this phase of retirement may be higher due to the cost of leisure and lifestyle. PHASE 2 includes the ‘quiet’ years when health starts to decline. You may still maintain living independence, but spending may start to decline as your lifestyle spending starts to reduce. PHASE 3 is the ‘frailty’ years – when you start to experience either a physical or cognitive decline that means you need help with daily living activities.
Statistics from the Australian Institute of Health and Welfare show that this third phase can, on average, account for 17%-25% of our retirement years. This is a long period of time to ignore and not have prepared for.
The traditional approach to retirement planning assumed a constant indexed income which did not allow for higher care needs later in life.
The reality is spending patterns are likely to vary over these three phases and this requires consideration when designing an investment strategy for your retirement savings. If you consider the cost of care in the third phase, the pattern of income needs is more likely to look like a smile than a straight line. FRAILTY RISK – Access to government subsides helps make care affordable. But adequate savings to fund the increasing costs of care opens up choices and allows greater independence and control to cover home adaptation, home care and residential care costs.
Things to consider
How you expect to fund aged care costs Wha t role your home can play The impact of r elying on family and friends for support Ar e you willing to ignore frailty risk? Ask us f or help to discuss a retirement strategy which will provide you with the income you need at all phases of retirement.
Sophie Doyle (AR#000470612) is an Aged Care Specialist at Morgans Financial Limited (Morgans AFSL 235410/ABN49 010 669 726); with a passion for assisting people make informed financial decisions as they navigate their way through the aged care system.
Disclaimer: The information in this article is general advice only and does not take into account your particular circumstances. We recommend specific tax or legal advice be sought before any action is taken and refer to the relevant Product Disclosure Statement before investing in any product. Rates current to 18 October 2018.
Aged care doesn’t have to be hard. Need help?
We can guide you through the financial steps. Ask today!
Sophie Doyle AR 000470612 Aged Care Specialist / Associate Adviser 02 4325 0884 | morgans.com.au/gosford/aged-care
Trusted Hearing Services for the Central Coast
Telex Hearing Care has been providing quality hearing services throughout the Central Coast for over 30 years. Locally owned and operated, this trusted familyrun business of three generations over the years, has a wealth of experience bringing a strong passion for helping people to hear better and regain their joy in life. Owner and Hearing Care Professional Lindsay Gillespie states, “Nothing makes my job more satisfying than seeing a client leave the office with a smile on their face, as they experience sounds they haven’t heard for a long time.”
Lindsay’s team of honest and ethical hearing care professionals provide a range of hearing services. From full hearing assessments to workers compensation and DVA or Pensioner services under the Hearing Services Program, Telex Hearing Care is the onestop shop for all your hearing needs.
Hearing Assessments Quick hearing health checks and thorough full hearing assessments are available to ascertain your needs. These easy, pain-free checks and assessments can take between half an hour to an hour and enable the hearing care professional to fully understand your unique situation.
Hearing Devices and Accessories Should you require hearing devices, you can choose to trial devices yourself obligation-free, before deciding to purchase them. Telex Hearing Care professionals will only recommend devices they have trialled and tested, so they are certain that they are only recommending quality hearing solutions. A range of devices and assistive listening remote controls are available for all needs and budgets.
If you decide to proceed with hearing aids, you will be taken through all your options to discuss what device would be best suited to your clinical needs, lifestyle requirements and budget. If you are eligible to receive Government assistance with devices, you will receive information regarding your entitlements and be assisted with the application process.
Three generations working together: Ben Gillespie, Lindsay Gillespie & Keith Gillespie
As Telex Hearing Care is completely independent, that is, not owned by a hearing aid manufacturer, they can offer you a complete range of hearing devices and assistive listening devices from the best manufacturers. This ensures you get the latest technologies as they become available to the market, such as WIDEX EVOKE™ – the world’s first realtime machine learning hearing device, enabling users to fine-tune their own hearing in real-life via an intuitive, easy to use smartphone App.
Free services for DVA Card holders and Pension Concession Card holders As part of the Department of Health, the Hearing Services Program (HSP) offers free rehabilitation services to eligible pensioners and veterans. BLUE CentreLink Concession card holders, DVA Gold Card and DVA White Card holders (hearing specific), can apply to HSP for vouchers. In some cases, Veterans may also benefit from additional equipment or assistive listening devices and Telex Hearing Care can advise you about whether this may be helpful to you. Telex Hearing Care practitioners are accredited with the Australian Government Hearing Services Program (HSP) to provide these free hearing services and hearing devices to all eligible pensioners and DVA clients.
FREE HEARING HEALTH CHECKS IN JULY AND AUGUST For an obligation-free appointment for your free hearing health check, contact your nearest clinic and be sure to mention this article in On the Coast – Over 55. Telex Hearing Care have three main offices in Gosford, Killarney Vale and Kanwal which are open 5 days a week. They also offer a convenient visiting clinic at Kincumber Medical Centre. Their helpful, skilled office staff can assist you with repairs, the supply of batteries and booking appointments.
CALL TODAY
4323 4141 Gosford 4323 4141 Kincumber 4333 1366 Killarney Vale 4393 5558 Kanwal
Free Events For Seniors Did you know that your local library hosts many free events and programs? It’s a great way to… • Meet new people and socialise • Brush up on skills or learn new ones • Enjoy a new space outside of home or work • Be inspired by lifelong learning • Enrich your life Get involved and check out What’s On at your local library at centralcoast.nsw.gov.au/libraryevents Free Events For Seniors Did you know that your local library hosts many free events and programs? It’s a great way to… • Meet new people and socialise • Brush up on skills or learn new ones • Enjoy a new space outside of home or work • Be inspired by lifelong learning • Enrich your life Get involved and check out What’s On at your local library at centralcoast.nsw.gov.au/libraryevents Free Events For Seniors Did you know that your local library hosts many free events and programs? It’s a great way to… • Meet new people and socialise • Brush up on skills or learn new ones • Enjoy a new space outside of home or work • Be inspired by lifelong learning • Enrich your life Get involved and check out What’s On at your local library at centralcoast.nsw.gov.au/libraryevents
Are you part of a community group? Do you host meetings, events or workshops? Then you should host your next gathering at the Library. There are a number of different rooms and spaces available to hire right across the Coast. Contact your nearest library or phone 4304 7500 to book your next event. Are you part of a community group? Do you host meetings, events or workshops? Then you should host your next gathering at the Library. There are a number of different rooms and spaces available to hire right across the Coast. Contact your nearest library or phone 4304 7500 to book your next event. Are you part of a community group? Do you host meetings, events or workshops? Then you should host your next gathering at the Library. There are a number of different rooms and spaces available to hire right across the Coast. Contact your nearest library or phone 4304 7500 to book your next event.
Bateau Bay | Erina | Gosford | Kariong | Kincumber | Lake Haven The Entrance | Toukley | Tuggerah | Umina | Woy Woy centralcoastnsw.gov.au/libraries Join the library and enjoy the FREEDOM Bateau Bay | Erina | Gosford | Kariong | Kincumber | Lake Haven The Entrance | Toukley | Tuggerah | Umina | Woy Woy centralcoastnsw.gov.au/libraries Join the library and enjoy the FREEDOM Bateau Bay | Erina | Gosford | Kariong | Kincumber | Lake Haven The Entrance | Toukley | Tuggerah | Umina | Woy Woy centralcoastnsw.gov.au/libraries Join the library and enjoy the FREEDOM
Prices for independent living units at Peninsula Villages start from $350,000. For more information or to organise a tour visit peninsulavillage.com.au or phone 02 4344 9199. Retirement is something that many older adults look forward to over many years and usually, when it comes to retiring from work, this is well planned. While many foresee retirement as the time to pursue old hobbies, travel and spend time with the grandkids, there is another time in your future that also needs to be well considered – your future living and care requirements.
The Central Coast experiences the highest percentage of population aged over 80 in Australia. In the most recent Census data, our region recorded the highest number of centenarians in NSW with more than 60 identifying to have notched up a tonne or more. Living longer opens up many challenges and sometimes this also creates an added responsibility for you to consider what living solution is best for you as you age.
We know how stressful and confusing it can be to navigate the retirement living and aged care environment. Not only do you need to determine what type of living environment is best – retirement/ assisted living, home care or residential aged care – but then how to organise it and the costs involved. As a retirement and residential aged care provider, Peninsula Villages aims to make this process as simple and as stress free as possible and ensure the transition is a positive experience.
Chief Executive Officer of Peninsula Villages, Shane Neaves explains that Peninsula Villages offers a myriad of living options, to allow for retirement living residents to easily increase their level of care as they age.
“Retirement or independent living is ideal for those who need a little extra care and support with the demands of daily living, but would like to maintain their independence,” said Shane.
“This level of care is perfect for individuals or couples who are looking for minimal care, but within a more social community setting.
“Here at Peninsula Villages, our independent living units are spacious with one and two bedroom options that provide security and the opportunity for increased care when required. Residents can also choose to take part in social and leisure activities, excursions and shared experiences that assists with social isolation,” he said.
With staff and neighbours encouraging interaction, there are also many health and social benefits to choosing independent living within a retirement village.
“Social isolation is one of the biggest challenges with older aged people who remain living at home,” continued Shane.
“Retirement village residents often find they are more inclined to participate in the social side of community living, engaging in events and excursions with others. We also have an onsite Social Support Worker that assists new residents to transition and integrate into Village life.
“The benefits of this cannot be underestimated, especially as more and more research suggests social isolation contributes to depression and dementia.”
Independent living provides many additional benefits including 24-hour security, amenities and conveniences such as transportation and planned activities, as well as no maintenance or home repairs.
“More and more seniors are choosing to live in independent living facilities. Whether they’re just tired of all the home upkeep or want to find more companionship, these communities provide a great option. They can also be a very good choice for those wanting to travel without worrying about maintaining their home year-round,” added Shane.
“We are also able to organise home care packages for our independent living residents such as home cooked meals, personal care and shopping assistance in the situation that extra support is required,” added Shane.
Peninsula Villages, like many other aged care organisations is constantly evolving to meet the demands of the ageing community. More recently, Peninsula Village has renovated apartments within its facilities to ensure it can cater for couples with two bedroom, two bathroom options and increased storage and internal amenities.
“Both Cooinda Village and Peninsula Village have one and two bedroom independent living units available that are fully renovated and fitted out with all the modern conveniences such as stone benchtops in the kitchen, air conditioning, spacious robes and lift access,” concluded Shane.
With more than 40 years of experience, the award-winning Peninsula Villages consists of three safe and secure villages that offer a fresh choice for independent living and residential aged care on the Central Coast.
Peninsula Villages is a community organisation dedicated to supporting the local Central Coast community and focusing on our residents’ social, emotional and physical wellbeing. The benefits of independent living at Peninsula Villages SECURE & SAFE
INDEPENDENT LIVING Enjoy the safety and security of our independent living communities at Cooinda Village and Peninsula Village in Umina. • Modern units with quality fittings & fixtures • Home care packages available • Part of Peninsula Villages community • Stepping stone to higher care if required • Social village with excursions & outings Peninsula Village | 91 Pozieres Ave Umina Beach Cooinda Village I 2-18 Neptune Street Umina Beach Spacious two bedroom units now available Enquire now! Phone Lisa on 02 4344 9199 or email lisad@penvill.com.au FREE VITALCALL FOR ALL NEW RESIDENTS* *Cooinda residents only. Conditions apply.
SECURE & SAFE INDEPENDENT LIVING
FREE VITALCALL FOR ALL NEW RESIDENTS*
*Cooinda residents only. Conditions apply.
