Your Time Magazine Sunshine Coast - February 2021

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A MORTGAGE FOR THE ASSET RICH, CASH POOR

EDITION 71 FEBRUARY, 2021 SUNSHINE COAST >> 100% LOCALLY OWNED

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Never Never WAIT A WHILE IN MATARANKA

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HISTORY MOTORING PUZZLES

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Editor’s note

J

ust as it was leaving, 2020 delivered one last strike — an unexpected start for the new year and one I hope isn’t indicative of how the rest is going to pan out.

You see, I found myself at A&E early on New Year’s Day along with the usual culprits who had overdone it the night before. But I hadn’t been swigging champagne and singing Auld Lang Syne at midnight.

Rather, I had woken up with what looked like a black cherry attached to my little finger. The pain was intense.

And herein lies my tale, as I have never known anyone who, despite Australia’s reputation, could tell a decent spider bite story.

I assumed I had been stung by a jumping ant when I was pulling up a

Contents weed in the dying days of 2020, as it was that sort of searing pain. I slept most of the next day, clutching ice for relief. Then, on the first day of the new year, I woke to find my knuckles had disappeared inside a bulbous hand, and my little finger was black.

Always one for dramatics, I was visualising amputation and how I was going to type without a little finger to hit the P and the full stop!

At the hospital, I clung to my ant sting story, telling the doctor I must have given myself frost bite by holding on to the ice for so long. He scoffed. “It’s a spider bite”.

Who knew? Apparently it is easy enough to identify. Another three weeks of hell followed before the finger started to look normal again.

And no, I don’t know what sort of spider as, fearing a second bite, I hadn’t looked any further at the time.

There’s no moral to the story other than to be wary of spiders lurking in weeds and learning to identify a bite.

On a more serious note, Russell Hunter this month looks at the pros and cons of the reverse mortgage concept and whether it might be worth considering.

Dorothy Whittington Editor

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COVER STORY BITS AND PIECES LETTERS AGES AND STAGES OUR PEOPLE HISTORY ACTIVE LIVING COMMUNITY NEWS MOTORING CARE AFFAIRS POP CULTURE ON TRACK FINANCE BOOK REVIEW WELLBEING HEALTH WHAT’S ON INDUSTRY EXPERTS RETIREMENT LIVING TRAVEL TRIVIA QUIZ PUZZLES

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PUBLISHER Michelle Austin 5493 1368. EDITOR Dorothy Whittington, dot@yourtimemagazine.com.au ADVERTISING ENQUIRIES 0438 717 210 or 0413 855 855. sales@yourtimemagazine.com.au.

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February 2021 / YOUR TIME MAGAZINE 3

28/01/2021 10:07:32 AM

COVER STORY

It’s the great Australian home dream – in reverse Many Baby Boomers are finding themselves asset rich and cash poor in retirement. RUSSELL HUNTER investigates the concept of a reverse mortgage to fund the comforts without forfeiting the home.

Y

ou can’t eat the family home. It’ a truism increasingly confronted by the Baby Boomers who, in their golden years, discover themselves asset rich and cash poor.

Having come to the compulsory superannuation table slightly late, they may find themselves short of retirement cash. They may occupy a high-end home, all mortgages paid, with children ready to inherit.

In many cases that home may well have been in the family for generations.

Selling outside the family is just not an option.

That said, a couple can’t live on the age pension, at least not with any degree of comfort. And comfort is the one thing that we crave in our golden years.

So people of that age group have started to explore ways to release some of the value of their assets – usually the family home – without having to dispose of them completely.

That’s where the reverse mortgage system comes in: You can borrow a portion of the value of the home and pay it back – with interest – when you die or the home is sold.

And if that sounds too good to be true, it isn’t. But there are pitfalls.

Reverse mortgaging is not for everybody. Already popular in the US, the reverse mortgage concept is now taking hold in Australia as a means of releasing the equity tied up in a home. It allows individuals and couples to stay in their homes while “selling” a portion of them.

The attractive aspect is there are no monthly mortgage payments. The loan is repaid plus interest when the owners die or the property is sold.

As you grow older, you are able to borrow up to a higher amount. As a general guide, 60-year-olds may be able to borrow around 20 per cent of the value of their property (20% LVR), while 70-yearolds may be able to borrow around 30 per cent (30% LVR).

Different providers allow you to borrow different amounts using their reverse mortgage home loans. Do your homework carefully to find the right loan for you. You could potentially borrow up to 45 per cent of the property’s value.

But the golden rule, as always, is shop around.

A simple internet search will bring up a bewildering array of lenders eager for your business. Most are up front about the risks and pitfalls and most won’t even entertain you until you can show that you have acquired expert advice. If the lender you are looking at doesn’t insist on this, perhaps you should be looking elsewhere.

Advice can come from a CPA, a solicitor or a licensed financial adviser. It’s an essential step.

The same internet search will also bring up the Canstar comparison site which will serve as a useful point of departure, but don’t rely on it. Do your own research.

You’re highly unlikely to find a fixed rate for a reverse mortgage. Private sector loans, even in these days of near-zero official rates, currently carry variable rates at around the 6 per cent mark – which indicates the risks the lenders see

themselves exposed to. And there will typically be fees. These vary but an establishment fee of $900 with annual management fees of $80 would not be abnormal.

The game changer for many would be the entry of Centrelink into the reverse mortgage arena in mid-2019.

It’s an innovative way of using public money to make life more liveable for pensioners, many of whom would own their home or be close to owning it.

“The game changer for many would be the entry of Centrelink into the arena.”

And because it’s public money, the rules and procedures are a little bit more complex and time consuming. There’s a fair bit of what many might call red tape.

Centrelink expert Narelle Cooper, who with her partner has a business specialising in helping clients navigate the Centrelink maze, has thoroughly studied the Centrelink concept and has already piloted a number of clients through the rules and procedures.

“It’s not for everybody,” she says. “But it can be very useful for people in specific circumstances.”

The interest rates tend to be a bit more attractive than those offered in the private sector. There are no establishment

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COVER STORY

fees, for example, while the variable rate would tend to have a figure 4 in front of it.

But, as always, you’ll need professional advice. Remember, the value of the family home or the home you live in and have equity in isn’t counted as an asset for age pension purposes, so it’s possible to live in a high-value property and be strapped for cash.

“It might be a couple or an individual with a home that’s been in the family for generations – and they’d like it to stay that way but they need cash income to support themselves in their later years,” Ms Cooper says.

But, she points out, nobody has a crystal ball: “You’re betting against future movements in the property market.”

You need to be an age or disability pensioner, a Centrelink allowance recipient or at least qualify as such in order to be considered for the government scheme. At the same time, part of the Centrelink upside is flexibility.

“You can usually transfer to another property,” says Ms Cooper. “Of course, you’d need to be assessed for that by Centrelink but there is at least the possibility to keep the program going.”

In general terms, the younger you are, the less you can borrow and while the loan isn’t due until the home is sold, you can make repayments at any time (as you can with most private sector offerings).

Centrelink will now consider loans over more than one property but unlike some private sector schemes, freehold is a must.

“The major risk,” says Ms Cooper, “is that the equity could become negative in the event of a market crash. Also, any potential residential age care needs in the future need to be considered now.”

B

etween 1987 and 2015, the average mortgage debt for Australians over 55 grew from $27,000 to a terrifying

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EXAMPLE 1 Narelle Cooper cites her experience of an older couple who live in a $2 million home. Now in their 70s, they represent minimum risk in a reverse mortgage scenario.

“But, again, I doubt if there’s such a thing as a no-risk scenario,” she says. “My advice, as it nearly always is, was to talk it over with the family.”

Decisions we make today will have an impact on what our children and/or dependents can expect to inherit and could, potentially at least, expose them to a financial commitment if we ever need specialised care.

In this case, the kids were onside so the couple can continue to enjoy the home and live a reasonable lifestyle. Everybody’s happy.

$185,000 (both measured in 2015 dollar values), according to a report from the Australian Housing and Urban Research Institute (AHURI).

“Our research finds that back in 1987, only 14 per cent of older Australian homeowners were still paying off the mortgage on their home. That share doubled to 28 per cent in 2015,” report co-author Professor Rachel Ong ViforJ, of Curtin University told The New Daily recently.

The research also found the average mortgage debt burden went from 13 per cent of the average home in the late 1980s, to about 30 per cent by the late 1990s.

“Over that time, average annual mortgage repayments have more than tripled from $5000 to $17,000 in real terms,” she said.

The meteoric growth is squeezing

retirement incomes and leaving more people with debilitating mortgage stress.

Dr ViforJ said older mortgagors’ mental health was suffering from the added financial burden.

Some mortgagors are even experiencing symptoms similar to those of long-term health problems.

The key driver of mortgage debt growth is the housing boom and associated lifts in house prices, Dr ViforJ said.

“House prices have steamed ahead at a much faster pace and grown much quicker than income levels, meaning people are finding it more difficult to get into home ownership until later in life,” she said.

“It also means when people do get into home ownership, they have to take out a much larger mortgage debt in order to be able to buy that home.”

“Outdated” policy settings put older Australians at risk.

The increase in the number of people retiring with housing debt also has huge implications for housing assistance programs and, therefore, the government’s budget bottom line.

“We’re predicting that between 2016 and 2031 that the number of older Australians needing Commonwealth rent assistance is going to spike from 414,000 to 664,000 – that’s a 60 per cent increase and is obviously going to put a lot of pressure on government as well.”

Much of the government’s thinking was “outdated” when it came to managing housing affordability for older Australians, Dr ViforJ said.

Specifically, government uses flawed assumptions about older Australians’ financial position to underpin its policies on social housing and the age pension.

Those policies assume Australians have paid off most of their mortgage when they retire; that retirees will have

some form of nest egg, and will be able to get by on a modest pension.

Dr ViforJ said these assumptions were getting rather outdated and government needed to review public housing supply and the age pension size to ensure the problem didn’t continue to swell.

“We already have more older Australians that are carrying a mortgage debt and tipping out of home ownership.

If you combine that with population ageing, that’s just going to blow out into a really large number,” she said.

Making it easier for retirees to downsize their homes could also take some pressure off older Australians, allowing them to bring down their debt levels and free up more money.

For many retirees, downsizing isn’t an option as the stamp duty costs and difficulty finding appropriate housing in suitable neighbourhoods makes it untenable.

EXAMPLE 2 Don and Andrea – in their late 60s – are in good health, own their home but need cash to give them a better lifestyle.

After a working lifetime of monthly mortgage repayments, it seemed to them that the Australian dream of owning a home wasn’t all it’s cracked up to be if there’s not enough cash to adequately support themselves.

After a family discussion (at the end of the day there may not be an awful lot left for the kids) they took the reverse mortgage plunge.

And haven’t regretted it.

They and the kids keep a careful watch on the market in general and review the position annually.

So far, they are all comfortable.

February 2021 / YOUR TIME MAGAZINE

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28/01/2021 10:08:02 AM

BITS & PIECES

WHO’S ROGER?

Mention Dick and Dora, Nip and Fluff to anyone who went to school in the ’50s and ’60s and they will know exactly who you are talking about. We learnt to read with these friends and their stories in the Happy Venture Readers.

Written by Professor Fred Schonell (of Sir Fred Schonell Drive, St Lucia fame) when he was still in England, this reading program was used extensively throughout Australia and the UK, phasing out the Queensland School Readers Prep series in the early 1950s.

These days the class would be stifling giggles every time Dick’s name was mentioned.

The rest of the Queensland School Readers (or Red Readers as they were fondly known) were eventually replaced in the late 1960s but not before they had scarred countless young lives with their literary version of The Little Match Girl.

Extract from Pam Van Der Kooy’s Stuff We Had in the ’50s and ’60s available from all good bookstores.

AND THE WINNER IS ‌ Thank you for the many entries received for our January Summer Reads competition. Congratulations to Sheila Miller of Little Mountain, the winner of the prize pack of Harlequin Books. The pack of three books by popular Australian authors valued at $89.97 is in the post from Harlequin Books.

“Roger that� has been used in radio communication since 1941. Roger was used in the US military phonetic alphabet for the letter R, as in message “Received�.

To indicate a message had been heard and understood – received – the reply was roger, which was later expanded to “roger that�, for “received the message�. “Roger Wilco� in military slang meant “received message and will comply�.

Broadcasts of the 1960s Apollo space missions saw the broader population begin using roger in the context of “I agree�.

There is no truth in the claim that roger is an acronym for Received Order Given, Expect Results.

The NATO phonetic alphabet, now the most widely used radiotelephone spelling alphabet, was introduced on January 1, 1956 and uses Romeo for R.

IN THE GARDEN — with Penny

EVERYTHING has grown with the lovely rain recently. Prune plants that have overgrown pathways and other plants. Plenty of weeds around too, so pull them out while small and definitely don’t let them set seed.

Add compost and aged manure to the vegetable garden in readiness for autumn planting which includes cabbage, cauliflower, beans, corn, tomatoes, spring onions, peas, etc.

Prep an area for sweet peas in full sun with above with a dusting of lime.Fertilise roses and citrus, and plant begonias, zinnias, poppies and so on when the weather cools down.

Order bulbs. Some that grow well here include ranunculi, anemone, freesias, daffodils and jonquils.

Camellias are starting to bud. Use a fertiliser with extra potash.

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Happy gardening.

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Sunshine Coast

28/01/2021 10:08:15 AM

LETTERS

WE PAY CASH

LETTERS I WRITE concerning a matter that could affect many Queenslanders approaching retirement and considering moving to a retirement village or 50s-plus village constructed under the Manufactured Homes Act. My wife and I moved into a 50s-plus gated community in May 2019. We were led to believe, along with many other purchasers, that we had purchased one of 190 homes. To our dismay, we discovered this year that the park owner had had approval since 2014, to construct a village of 297 homes.

This development application, while not dramatically affecting ourselves, will have a devastating effect on many residents. As a result of legal advice, I now have an active e-petition before Parliament, closing date February 21, to amend the legislation of the Manufactured Homes Act so that misleading sales practices cannot be repeated in the future.

It can be found on the website parliament.qld.gov.au Alan Winter

Have your say. Send letters to Editor, Your Time Magazine, PO Box 6362, Maroochydore BC 4558 or email editor@yourtimemagazine.com.au

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I’D LIKE to remind cat owners of their obligations in regard to ownership of their pets. Council laws state “keep your cat contained at all times – cats are not allowed to roam off your property”.

Why is it that nearly every night we’re subjected to noises from cats fighting outside our home? They walk all over our cars and outdoor furniture, urinate and defecate all over the place and are a general nuisance.

They also kill wildlife and leave it on our door mat and, in some instances, carry infectious feline diseases that are transmittable to humans.

During the Covid lockdown when gym attendance was banned, one of our family contracted ringworm (dermatophytosis) from exercising on our back patio. The doctor said it would be from cats as they are known carriers.

I know that there are a lot of cat owners out there who take their responsibilities seriously and follow the rules. What I don’t understand is why do some people even have a cat when they don’t care enough to keep them safe?

If they’re safely locked up at home, they’re not going to become roadkill or get into fights with other cats.

Please do the right thing, lock up your cat and be a responsible pet owner.

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February 2021 / YOUR TIME MAGAZINE 7

28/01/2021 10:08:42 AM

AGES & STAGES

by Mocco Wollert

DO YOU remember the days when meat was cheap? It was during the years of steak and three veg for dinner.

I was married to a carnivore. My beloved had chops for breakfast, lunch and dinner. Well, maybe not lunch but certainly for breakfast.

The word cholesterol was still unknown, and we fed our men sausages and chops as much as they wanted. Salad was something green that belonged in the garden and was regarded suspiciously

by the man of the house and his children.

Going out to dinner, most restaurants offered the same type of food. Thinking about some of the dishes, I literally salivate. Most of them have now disappeared from menus.

New, healthy choices which will guarantee a healthy body, are now offered in bowls instead of on plates; the main ingredients seem to be spinach leaves and kale.

I quite like the spinach leaves but kale? Sorry, not for yours truly. It might be good for my health but it makes me feel like I am a cow.

What has happened to all those wonderful dishes of the ’50s , ’60s and ’70s? Forgive me if I wallow in nostalgia but who can forget steak diane, veal marsala, bangers and mash, chicken maryland, fillet mignon, beef wellington and that old favourite, savoury mince?

What happened to the crowning glory of special nights: Chateaubriand?

Entrée choices were limited, and the favourite was prawn cocktail. Oysters, while not cheap, were still reasonably priced and were a much-loved start to a restaurant dinner. They came in all varieties: Zarina, Mornay, Kilpatrick and of course natural.

The more upmarket restaurants usually had a sweets trolley. While I find it easy to say “no” to the description of a bowl of fresh strawberries on a bed of

mouth-watering cream, I could never say “no” when a bowl of fresh strawberries with cream was waved under my nose or a slice of Black Forest torte winked at me.

Who could forget crepe suzettes prepared beside the table? Bombe Alaska was the crowning finish of many a wonderful meal.

Drinks of course have also changed.

Pimm’s was the drink for ladies – or fruit punch. However, the first wines were appearing. They had simple, often descriptive names: Queen Adelaide, Houghton’s White Burgundy, Sparkling Red Burgundy and the much loved but dreadful sugar-sweet fizzers, Barossa Pearl and Porphyry Pearl.

Of course, most men still drank beer.

Males who drank wine were called a bad word I do not want to commit to paper here.

There was, of course, never any water on the table. Water was for washing up not for drinking.

My husband and I owned a restaurant at the time in Darwin and we sometimes had American customers. We were flabbergasted when the first thing they asked for was iced water. What a strange request.

To-day, the first thing that appears on the table is water and we all dutifully drink it – whether we like it or not.

May you enjoy spinach leaves – or tuck into a chocolate gateau.

WILLS | ESTATES | PROPERTY | RETIREMENT VILLAGES

by Cheryl Lockwood YEARS ago, my one and only attempt at golf resulted in frustration and embarrassment, caused by the numerous swings that hit nothing but air.

This made me nervous about my spur of the moment decision to try a game with the word golf in the title.

I resisted the urge to leave. I was at a park with a bunch of blokes I’d never met and about to play a sport. What could go wrong?

Disc golf, also known as frisbee golf, has been around for years, but I’d never seen it, much less played it. The concept is straightforward – throwing frisbees around a set course with the aim of landing them in purpose-built receptacles.

Like regular golf, the less throws it takes, the better the score.

The cost was a $5, but I was welcomed to give it a try for free: “Tag along for a few throws and see what you think.”

Clutching the two discs kindly loaned to me, I was glad I didn’t turn up with my standard, beach variety frisbee.

While round and plastic, the discs for this sport are a little different and like golf clubs, more than one can be used. Most of the guys had quite a few discs lined up like

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Sunshine Coast

28/01/2021 10:09:00 AM

AGES & STAGES

CIRCUIT ALERT Electrical & Solar Est over 10yrs

colourful picnic plates in bags slung over their shoulders.

After a few practice throws, it was time to tee off from the metal pegs that marked the start for each “hole”.

The men in my group were all seasoned players and their discs spun in long, glorious arcs toward the target. Mine, while mostly heading in the right direction, had nowhere near the distance.

It often took two or three goes to reach the landing point of their first one.

The targets were a strange, basket like structure with metal chains that either helped the frisbee remain in, or annoyingly bounced it out. The course featured a creek, many trees and members

of the public. We tried not to hit any of them.

I learnt that O.B. means out of bounds and plastic does not always float.

Receiving plenty of encouragement from the boys, I pressed on. My score was somewhere between so-so and horrendous. I was surprised at my accuracy with “putting” which helped my score.

The beauty of this sport is that it is suitable for all ages. If you are capable of a stroll in the park and can hurl a plastic disc, you can play it.

Having survived all 18 holes, I thanked my fellow “golfers” for their tuition, tips and most of all, their patience.

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February 2021 / YOUR TIME MAGAZINE

9

28/01/2021 10:09:16 AM

OUR PEOPLE

Couple cruises into retirement While the life of a grey nomad was appealing, one couple wanted to step their retiremenet up a notch. GLENIS GREEN meets some nomads who have discovered a life packed with adventure after heading for the water.

D

OING their sums and taking the plunge to retire early, Geoff and Leanne Peters decided to swap the lure and freedom of the open road for something a little more cruisy.

So rather than hauling a caravan – with all the stresses and demands of driving long distances – this enterprising couple flew to England, bought a motorboat and have spent almost half of

the last four years cruising the rivers, canals and coastlines of Europe.

It’s quite the change of pace for Geoff, 60, who many may remember as the tourism and sports co-ordinator at the Sunshine Coast Council, and Leanne, 59.

In fact it was a dream lifestyle – cruising on their boat, spending another portion of their year on cruise ships where Geoff was in demand doing

maritime history speaking presentations, and the rest of the time house and pet sitting in idyllic locations.

That was until Covid-19 put a temporary halt to their luxury gypsy lifestyle.

But taking a hiatus during the festive season at a rented unit at Pelican Waters, they are now busily planning their next round of adventures for as soon as the pandemic comes under control.

“There are worse places to be marooned,” grins Geoff, while Leanne admits it is frustrating, but they are philosophical about it and making the most of it. Geoff has joined the local coastguard to hone his boating knowledge and help out.

Always full of great ideas and extremely tenacious in carrying them through, Geoff began his career in the Navy at the tender age of 15 before moving into work at the tax office.

He later worked for the Endeavour Foundation, and then moved on to local government, where he became known as the person who introduced the hugely successful Tough Mudder contest to the Sunshine Coast.

Leanne, whose background was in the army, met Geoff by chance at a social dinner when they were both living in Toowoomba. Sparks flew and last month on Australia Day they celebrated their 26th wedding anniversary.

Geoff says their lifestyle since they bit the bullet and retired early in 2016 has

“It’s a thrifty lifestyle, with mooring fees much cheaper than in Australia” been nothing short of amazing, including meeting a range of wonderful new friends and high flyers.

They have even ended up rubbing shoulders with the stars at Wimbledon and meeting the director of Les Miserables at a theatre in London, who took them for a personal back stage tour.

Leanne is particularly enamoured with their occasional pet and house

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Sunshine Coast

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OUR PEOPLE sitting duties in Europe and England which have taken them to tiny villages and places they would never normally have gone - walking dogs in leafy countrysides and meeting friendly locals.

This sideline began when they decided to invest the $200 fee and join Trusted Housesitters.

After a couple of gigs and glowing recommendations they found themselves in demand all over the world.

While Leanne was a little bit hesitant at first, flying into the unknown on the other side of the world, they both agree it was the best decision they have ever made. It has allowed them to break out of the ordinary into a life that is now extraordinary.

As they say, one thing just seems to lead to another as they meet different people and get swept in different directions.

Geoff said clearly they couldn’t sail a motorboat from Australia to England, so they flew to England to obtain a survey report and conduct a sea trial before making their purchase.

It’s a thrifty lifestyle, with mooring fees much cheaper than Australia and often many are free, so they have been able to explore many destinations they otherwise would never have been able to afford to stay.

While Leanne was bit apprehensive, they managed to strike good weather for

crossing the English Channel to arrive in Dunkirk in France.

There they met another couple who encouraged them to slip across into nearby Belgium and – because they could – they changed their plans and had a wonderful first season exploring the Belgian countryside and villages.

“It’s not a lifestyle for everyone,” says Leanne. “It sounds as though it’s not stable but there is structure there. You can change it if you do change your mind.”

Leanne also always wanted to call the Sunshine Coast home, so that’s what they named their boat – Sunshine Coast.

Geoff says much of the beauty of motorboat cruising is that you can moor in spots very close to the heart of villages and cities to make exploring convenient.

He says being called upon to lecture on cruise ships has been another new adventure – with Leanne accompanying him – and despite having no experience at public speaking, he has taken to it ... well, like a duck to water.

This means they have been able to sail to other parts of the world in total luxury at no cost.

While they have cruised their boat around England, France, Belgium, The Netherlands and Germany, it is currently moored securely awaiting their safe return to once again begin their retirement adventures.

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February 2021 / YOUR TIME MAGAZINE 11

28/01/2021 10:09:52 AM

HISTORY

The years the rains came – and kept coming Although the Sunshine Coast is proud of its glorious climate, there have been times when wild weather – tornado, cyclone, flooding and heavy rainfall – has lashed the coastline. AUDIENNE BLYTH revisits some of the big weather events.

O

ver a year, about 1400mm of rain may be expected to fall and we can expect this to occur mainly in the summer or autumn months, but that’s not always so.

Queensland’s wettest year on record was 1893, when residents reported continuous heavy rain and strong winds as two cyclones followed each other, dumping more than a year’s rainfall.

The heavy rain began in January and with 2286.4mm in February, the year’s total was 4401 mm. The effects of the resulting flood were widespread and devastating. Rivers spread out over farmlands destroying crops and livestock were lost.

Roads were impassable. Rail lines were washed away.

Telegraph poles were knocked over and lines broken so communication was cut.

Timber-getters lost badly when logs from William Pettigrew’s sawmill at Maroochydore were washed out to sea. The steamship Tadorna

12 YOUR TIME MAGAZINE / February 2021

12.indd 2

Wappa Dam last month. It barely trickled over the dam wall most of last year.

Radjah known so well to the settlers along the Maroochy River, sank in the flooded Brisbane River. The S.S. Dicky also went down at that time, a victim of cyclonic winds and rough seas. It gave its name to the beach where its wreck lay for 122 years until 2015.

In 1898, five years later, the flooding and devastation was almost the same. Records for three very wet months were

January 1245.9mm, February 507.8mm, and March, 1059.0. The total for the year was 3634 mm.

In 1954, there were two catastrophic cyclones that caused widespread damage. The district received a total of 2097.5mm, with the highest falls in February (601.8mm) and July (414.2mm).

Public buildings were hit with a vengeance. The community hall at Cooloolabin and the Catholic Church at

Cooroy were destroyed. The North Arm hall was blown off its stumps. In Eumundi, the Anglican Church and the School of Arts hall lost sheets of iron from their roofs.

Six months later, in July, a second cyclone struck knocking down any crops that might have survived. Hundreds of acres of cane at Rosemount, Bli Bli and Maroochy River were flattened.

Buildings, almost repaired after the damage in February, were destroyed again in July.

In April 1955, a freakish, tornado-like wind struck Yandina. Roaring like a steam engine, it was said to travel at 130kmh with a 200m-wide path of destruction. Houses and roofs were lost, the Baptist Church was destroyed, and the Methodist Church was blown off its stumps.

The Nambour Chronicle reported that water was 10ft (3m) over the Yandina-Coolum Road and army ducks were called in to rescue several families along the Maroochy River. The district

received a total of 2233 mm.

Over 2m rain fell in 1950, 1956, 1958 and 1959.

Wet Wednesday, on June 22, 1983, surprised residents when 350mm (14 inches) of rain fell in 24 hours. Nambour and Maroochydore were worst hit.

Flood waters rose quickly.

Car dealer, Ray Grace, was trapped in the roof of his showroom in Coronation Drive, Nambour, for three hours before being miraculously rescued.

In Maroochydore, the river extended itself and made streets impassable. River flats were inundated. The Mooloolaba Marina became a tangle of boats.

The coastline was heavily eroded, and many caravans were destroyed. Caloundra escaped the worst.

Cyclone Wanda in 1974 and Cyclones Yasi, Marcia and Debbie also stand out.

There is a saying that “nothing is as fickle as the weather.” As the SES says, we need to be prepared.

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ACTIVE LIVING

Keep workout routines safe from the weather

FIT HAPPENS With Tom Law

Queensland summers can be harsh and unpredictable and mess with exercise plans.

TRISTAN HALL offers some tips on how to keep moving despite the heat and rain.

WHEN I was younger, we always made New Year resolutions only to break them, sometimes within weeks of the new year.

I decided that I would set goals and work towards them rather than be disappointed by making a resolution then breaking it. Semantics you say.

Perhaps, but it works for me rather than becoming glum and not fulfilling my resolution.

The other thing I decided to do was not be upset if I went off the rails. I would just start again.

Some people will say that if you are easy to forgive yourself and just start again, what is the point? The point is that seldom do we all adhere to our wish list.

If you are watching your weight, then from time to time you may stray and overindulge.

Not all of us have the discipline to be strict all the time, so resetting is a good thing.

I remember trying to give up smoking many years ago. I would make a big commitment, throw away my cigarettes, make a statement of intent to my wife, and stop smoking for a day or two maybe a week, and then I

W

e know regular exercise gives you a stronger body and a calmer mind and missing out on exercise can get you down.

Consider walking earlier in the day or in the evening. Walk indoors at a shopping centre.

Many shopping centres are open around 8am and are still relatively empty.

There are two advantages – you avoid the sun and you can enjoy the air-conditioned comfort.

The same benefits apply to working out at a gym. You escape the sun and you can exercise vigorously in an air-conditioned environment. No sweat.

Home is a great place to exercise too. With some light hand weights and resistance bands, you can easily set up a personal routine.

Exercise at a set time each day and in a set location. Pace yourself. A 10-minute daily session is better than going all out and then not exercising again.

At home you have the benefit of privacy, your own music and plenty of cold water on tap. Do you have any aerobics DVDs on your shelves?

Come on, admit it. Take a look at these classics and get moving.

The beach with its sea breezes may be your preferred exercise spot. You can walk, do some yoga stretches or swim. It’s motivating to have other active people around you.

Go down early in the morning or towards the end of the day to avoid the harsher sunlight.

Call a friend. It’s easier to keep

a commitment you have made to someone else than one you have made to yourself.

Arrange to exercise with a friend. This could be an early morning neighbourhood walk or a swim. You will both benefit. Of course, you can add in a coffee break too.

On the hot summer days it is important to stay hydrated.

Even though you are exercising in the cooler hours or indoors you will still need to replenish your fluids. If you become lightheaded or your urine is darker than usual, it’s a sure sign you are dehydrated.

If you are tired of simple H20, munch on some cold watermelon cubes, a few slices of pawpaw or some cucumber sticks.

I hope these suggestions help you plan ahead and stay active this summer despite what nature throws our way.

Tristan Hall is an exercise physiologist with Full Circle Wellness. Call 0431 192 284 or visit fullcirclewellness.com.au

went back to smoking. After many attempts, I stopped completely and have not had a cigarette since, so it worked for me in the end.

Being healthier, exercising more – whatever you want to do, you can work towards it and it can work for you too.

Regardless of your goals or wishes you need to work towards them but don’t get too down on not achieving what you want to the first time. Treat what you have done so far as a rehearsal. Simply start again.

At some stage it will all click into line and what you are trying to do will fall into place.

William Edward Hickson apparently is the first person to have written “If at first you don’t succeed, try, try again”.

There have been many variations on that statement but the sentiment is the same.

I love the quote attributed to Winston Churchill “Success is not final, failure is not fatal: it is the courage to continue that counts”.

Tom Law is the author of Tom’s Law Fit Happens. Visit tomslaw.com.au

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COMMUNITY NEWS

HERITAGE GROUP KEEPS PROJECT ON TRACK MEMBERS of Buderim-Palmwoods Heritage Tramway Inc. had a busy and productive year despite the restrictions imposed by the Corona virus.

It had been more than 10 years since the beloved Krauss loco was painted and, not being housed in a properly enclosed shed, it was looking rather shabby.

It has now been returned to its original colours by Totally Classic Restoration of Warana and is looking dapper.

Tramways president Helene Cronin said unfortunately the Krauss was now dressed up but still with nowhere to go as

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the group was at a stalemate with the council regarding its display in Buderim.

“The temporary shed that the Krauss had been in since 2004 was becoming dilapidated and it was necessary for us to house her in a new shed to protect the new paint job,” she said.

“This cost $18,000 all up and it’s unfortunate that we have had to spend such a large amount of publicly raised funds on what it is hoped will only be a temporary home for the Krauss.”

The Tramway group was invited to take part in the filming of the Sunshine Coast Council’s Cultural Heritage

Peter Wise, Noel Williams, Bruce Horton and Doug Benckendorff with the Krauss engine in its fine new livery.

Discovery promo video in July. There were two segments – one at the Krauss loco and the other at the walking track.

The other major event for the year was the launch of the book Timber Trains Turmoil – A History of Buderim and its Tramway by Mrs Cronin.

The book was launched at a function in the Buderim War Memorial Hall in August by Dr Russell Stitz, chairman of Buderim Foundation, which provided a grant to BPHTI for publishing.

The first run of 100 copies sold out in no time and BPHTI has received a grant from the Sunshine Coast Council to print a further 50 copies which will be available shortly.

Copies will be provided free of charge to local schools, libraries, museums and heritage and historical groups.

Mrs Cronin said the number of people using the Tramway Heritage Walking Track was constantly increasing and BPHTI was proud of its achievements in the preservation of this important part of Buderim history in partnership with the council.

Office bearers for the current year are president Helene Cronin, vice-president Noel Williams, secretary Kay Sinclair and treasurer Bruce Horton.

Email tram@buderim.com

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CALOUNDRA Family History Research group ended 2020 with a ceremony to officially open the additional outdoor deck space at its research rooms.

Patrons Judy and Mark McArdle and president Valerie Thornton cut the ribbon.

Rooms are now open for research but bookings are still required under the Covid-safe plan. Call Jennifer Strike 0417 145 289.

First guest speaker for the year was Dr Hilda Maclean, a researcher, genealogist and author discussing death, burial and mourning practices from the Victorian era.

At this month’s meeting on February 18, historian and author Matthew Wengert will speak on Designs-detailsdevils: A visual history of the Queensland Government Printing Office 1862-2013.

Matthew is a 2018 Griffith Review fellow and co-winner of the 2019 SLQ John Oxley Library Fellowship.

SENIORS CLUB EXTENDS HAND OF FRIENDSHIP THE Glasshouse Country Senior Citizens Club offers social activities for the over 50s in the Beerwah, Landsborough, Maleny, Glasshouse Mountains and Sunshine Coast Hinterland area.

Meetings are the second Tuesday of each month at the Beerwah Community Hall, and refreshments are provided.

Coming up this year is the annual free morning tea in March, and other seniors’ clubs are invited to bi-monthly luncheons which include entertainment, lucky door prize and numerous raffles.

A coach trip to Mount Tamborine is also planned for this year.

Previous outings have included visits to Government House and Parliament House in Brisbane, a Noosa boat tour and lunch, and the Esk Country Music Show.

GCSCC offers fellowship, friendship and a way to meet and socialise with other seniors.

Call 0438 088 553.

Call 134 478 or visit irt.org.au 16 YOUR TIME MAGAZINE / February 2021

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28/01/2021 10:11:10 AM

MOTORING

Isuzu dual cab joins the market leaders Australians still love utes and four-wheel drives. BRUCE McMAHON looks at the machines that were the top-sellers of 2020 and finds the D-Max has stepped up.

W

HILE last year wasn’t a boomer for the market, for obvious reasons, Toyota’s HiLux and the Ford Ranger were solid winners. Utes and SUVs of all types claimed some three-quarters of showroom deals.

It seems many still need van-towing ability, perhaps more went out to explore the country’s backyard in lockdown days, and maybe some wanted a go-anywhere vehicle in troubled times.

And while HiLux and Ranger had a stellar run, a new machine which arrived mid-year has the potential to give them a run for their money – the latest Isuzu D-Max ute has stepped up in all areas.

It is now a more sophisticated, more comfortable ute for all manner of work, from heading north with van in tow, up the beach for a spot of fishing or out to building sites.

This latest D-Max range has a bigger body, more power and more comfort.

There are 13 all-new models from two-wheel drive, two-door versions to the hero four-wheel drive dual cabs.

It’s those latter machines, the dual cabs, which highlight improvements over the previous D-Max; those were solid performers if a little old-school.

This new generation Isuzu is dressier with broader market appeal, with retail prices for four-wheel drive versions from $40,200 through to $62,900.

All run the trusted 3 litre diesel engine, now with 10kW of extra power for 140kW and 450Nm of torque, delivered through six-speed manual or automatic transmission. The all-new body – wider and a tad shorter – has better aerodynamics for better fuel economy. Auto D-Max should return around 8 litres per 100km according to

the factory. That attention to aerodynamics, new suspension, stronger chassis plus improved sound deadening brings a quieter cabin.

It is also a more refined, more comfortable cabin with less hard plastic surfaces and, among specification changes, there’s both reach and tilt adjustments for the steering wheel, something not always found in our utes.

D-Maxs arrive with a touchscreen for phone connection and audio plus Apple Play and Android Auto functions, plus

there’s a comprehensive list of safety equipment.

Added to the utes’ eight airbags is Isuzu’s Intelligent Driver Assist System where, among a swag of assistance measures, cameras and sensors help out with the likes of crossing lanes unintentionally, braking the vehicle if closing on a drama, monitoring blind spots, settling it down if a trailer sways and recognising speed signs.

The only whinge here is the instrument panel with graphics sometimes hard to read, but there are few complaints about the D-Max’s road manners or off-road abilities.

Ride and handling are more composed than before and match most of today’s main rivals. There can still be some bump-thump on uneven surfaces but there’s now more suspension control and less rear-end skip over corrugations, plus Isuzu’s electrically-assisted steering provides good feel from parking speeds to dirt road cruising.

This is a well-sorted dual cab utility better suited to today’s workhorse-comelifestyle needs, especially for long hauls.

It remains – and now with the addition of a locking rear differential – a very good off-roader.

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CARE AFFAIRS

Act now to secure your future Most Baby Boomers want to stay in their home and have support to continue to do so when assistance is needed. KENDALL MORTON recommends acting sooner rather than later.

H

OME care packages and other government support programs are designed to help you “age in place”.

Recent figures show 134,930 people are benefiting from home care packages which vary from a low level of support (Level 1) to high and frequent support (Level 4).

In the September 2020 quarter, 42,900 people gained approval for a Home Care Package. However, approval is not the same as receiving support. You need to wait until a package becomes available.

For a Level 1 package you may wait three months. For a high support/Level 4 package you can wait for more than 12 months, according to the Home Care Packages Program report for first quarter 2020-2021.

Perhaps you do not need a home care package now, but I am sharing this to show you that support is not immediate. There is a national waiting list and the number of packages available is fixed by the national budget.

Meanwhile there are many things you can do to prepare for some good years ahead. Here are a few questions to get you thinking.

How suitable is your neighbourhood?

Look critically at where you live. Will it suit you as you age? If you have to give up driving, is there a bus stop in walking distance? Can you get to the shops without a car? Do you have friends and family nearby? Are there footpaths?

Will your home meet your changing needs?

As we age, tripping is a common hazard. It can lead to injuries, broken bones, hospitalisation and sometimes death. A quick remedy is to remove any tripping hazard.

Sometimes this is as easy as taking away the mats. But if your place has stairs, uneven footpaths or a hilly garden area, it may be costly to make changes.

While you are well and up to the task of moving house, consider your options. A

there for your friends is very rewarding.

How will you stay mentally active?

A study in Neurology (August 2020) tracked around 100 seniors for 14 years.

This group was mostly men. They were given cognition tests and had brain scans to see what beta-amyloids were present.

These are associated with dementias.

When retested the average age was 92.

The participants who had kept working long after retirement age had minimal cognitive decline. You may not want to stay in your job, but it’s important to plan a few ways to stay mentally engaged with your community.

These questions are an invitation.

With them, I hope you can pause, imagine and create the future you want for your later years.

Kendall Morton is the Director of Home Care Assistance Sunshine Coast to Wide Bay. Call 5491 6888 or email kmorton@homecareassistance.com

modern single-storey home with wide hallways has a lot of benefits.

Will your landlord be helpful?

Most landlords like having long-term tenants. This can work in your favour as your needs change. However, you will need to get their approval for any structural changes such as handrails (Residential Tenancies Authority Queensland).

Think about lighting and security too.

Are you protecting your health?

Your freedom and independence are directly related to your health. You need to protect this like gold.

For starters, manage your weight.

Being just 2.5kg overweight adds an extra workload to your heart muscle. It has to pump more blood over a greater distance.

Your blood pressure rises. This is a major cause of heart attacks.

Make a plan now about how you will

stay in shape. Keep it simple and fun.

Tripping happens to all of us. What matters is that you can recover your balance instead of falling. Consider a yoga or dance class. Gym sessions, pilates or swimming can build your muscle strength and support your bones.

Do you have a strong social network?

My dad used to say he went to more funerals than weddings. As you age, your peers die around you. You can become isolated. Harry Lodge and Chris Crowley authors of Younger Next Year recommend you continue to expand your social circle.

Join groups. Get out. Meetup.com or U3A are excellent places to start.

A Harvard study found people who have five social ties had half the rate of cognitive decline.

Other research shows women who have close friends have a better survival rate after breast cancer. Likewise, being

NEW VIDEOS EXPLAIN HOME CARE PACKAGES CATHOLIC Healthcare has released a series of five videos explaining the benefits of a Home Care Package.

The videos help navigate what a Home Care Package is and what it can be used for to help seniors live at home independently for longer.

Topics covered are what a Home Care Package is and how funds can be used to assist with daily activities; what funds can be used for; home maintenance services and how a Home Care Package can be used to help celebrate and prepare for a special event with family and friends.

Call 1800 225 474 or visit catholichealthcare.com.au/ homecare

Carers, take a break. You deserve it.

As a carer, you can feel assured that while you take sometime for yourself, your loved one will be receiving the best in quality care.

With seven beautiful locations from Buderim to the Redlands, call McKenzie Aged Care today to secure your carers break.

1300 899 222 | mckenzieacg.com 20 YOUR TIME MAGAZINE / February 2021

20.indd 2

Sunshine Coast

28/01/2021 10:12:07 AM

POP CULTURE

Your true partner in home care

MUSIC THAT DEFINED A GENERATION MUSICIANS have always written songs to unite people during a war, but the Vietnam-era music was different – it spoke to a growing number of disillusioned citizens and highlighted the cultural gaps that were beginning to emerge.

An all-new production brings together a group of outstanding Queensland musicians and vocalists to deliver the music of an era – the soundtrack of the Vietnam War. Good Morning Vietnam, Music from the Vietnam War Era - Live in Concert! reimagines the treasured and symbolic songs of the 1960s and ’70s, the songs that questioned, stirred and reflected the political turmoil and cultural changes of the 20th century.

A projection design backdrop adds compelling storytelling and scenescape elements that depict the groovy psychedelia of the flower power movement as well as images of the despair, protest and resistance flaring in the city streets of America and in Australia.

“It’s a celebration of beautiful rock music but there is also a sense of melancholy, sadness, and the tragedy that war inflicts on lives,” says musical director Simon Gardner.

“All great music not only transcends an era but also defines it, and the rock music created during the Vietnam War period was ground-breaking in that it reflected

immense unrest as well as the greatest powers of all – peace and love.”

Good Morning Vietnam, Music from the Vietnam War Era - Live in Concert! donates $1 from every ticket sold to Guitars for Vets Australia (G4VA) in appreciation of those who served, and to assist veterans find the joy and healing power of music.

G4VA knows only too well, the healing power of music. It provides Australian veterans with music lessons, and guitars and welcomes all veterans, delivering a structured professional guitar-training program of 10 lessons, together with a free guitar.

The show is touring Queensland this year. Tickets at mellymelody.com.au or to learn more about G4VA visit guitarsforvetsaustralia.com

Connect with your Queensland care team today for advice and support that you can trust.

1800 370 575 info@careconnect.org.au careconnect.org.au

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Immanuel Gardens, Buderim

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Retirement living just got more affordable Introducing youfirst. New flexible pricing to make the most of your retirement with Lutheran Services. You can choose to pay less when you move in and focus more on the things you love to do. So why wait?

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Open home every Thursday at 10am Phone 1800 960 433 to book!

Immanuel Gardens 10 Magnetic Dr, Buderim Qld 4556 w. lutheranservices.org.au/immanuel-gardens

Sunshine Coast

21.indd 3

February 2021 / YOUR TIME MAGAZINE 21

28/01/2021 10:12:53 AM

ON TRACK

Seven steps to a satisfying long life A good retirement is strongly linked to health and wellbeing. JUDY RAFFERTY looks at how we can maintain our wellbeing as we age.

A

great deal has been written about how to achieve healthy aging and increased longevity.

I am not sure how many people want an increase in longevity unless they can be assured of ongoing wellbeing – physically, mentally and emotionally.

Many people want quality rather than quantity of life. In order to achieve that quality there is a plethora of information directed towards keeping in good shape.

We are advised to take vitamins, or maybe not, depending on our diet. We are recommended to eat a keto diet, or a Mediterranean diet or a balanced diet or not to diet.

We read about taking mud baths, doing brain training, learning a language, ice water submersion and much more.

It is hard to know what to listen to and what to follow.

Australian research has pinpointed

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seven significant factors predictive of longevity and/or enhancing the quality of that longer life.

1. Nutrition. Eat well 2. Social support. Get out and make friends.

Having good relationships with family or friends leads to an increase in life satisfaction and personal wellbeing and a reduction in loneliness and dementia risk.

3. Meaningful activities. Do something worthwhile. It will be worthwhile if it gives you a sense of accomplishment and control and helps you to feel useful.

4. Mental stimulation. Continue to learn or find a way to apply the knowledge you have accumulated over your life.

5. Exercise. Get moving. It doesn’t have to be exercise. It might just be physical activity. Such activity reduces the risk of dementia, depression and anxiety. It improves cognition and emotional resilience.

6. Manage stress. Stress damages both the brain and the body. Stress reducing activities impact on the pathways in the brain as well as on the chemicals that influence aging of the brain.

7. Self-worth. Do what it takes to improve or maintain your self-esteem, selfacceptance and to stay optimistic. The six ideas above all contribute to selfworth.

Personal care

Health and wellbeing support

Cleaning and household tasks

Social connection

Nursing services

Home safety and security

Getting out and about

Concierge service

It is much easier to take morning vitamin pills than to do any of the activities recommended by research. But consider these seven factors and assess them within your own life.

Which ones might you need to work on? Which ones can you tick off and confidently say that you have or do?

Perhaps write down the factors you want to work on and stick them to the fridge.

Try starting with one if you have multiple area to address. Starting small might increase your chances of success.

The following approach seems to work well for some people when they have more than one area to work on. Spend one week focusing on one factor then move through the list week by week.

If, for example, you have four areas to work on you will have given a week of focused effort to each area every four weeks. Over the period of a year each of the four areas will have received three months of attention.

You may not have the stamina you had 40 years ago but feeling healthy and in control is a great feeling and worth an investment of your time and energy.

Judy Rafferty is the author of Retirement Your Way, A Practical Guide to Knowing What You Want and How to Get It. Available at all good bookshops and online.

Call 134 478 or visit irt.org.au/homecare 22 YOUR TIME MAGAZINE / February 2021

22.indd 2

Sunshine Coast

28/01/2021 10:13:08 AM

FINANCE

Checklist for planning move to a retirement village Moving into a retirement village is a long-term decision that needs to be considered carefully. LESA MACPHERSON provides a checklist of the top 25 factors to think about.

T

HE decision to move into a retirement village should not be rushed in any way. Once committed, it is not easily undone, and usually not without loss.

Here is a checklist of issues that need to be explored and thought through prior to progressing with your retirement living decision.

1. Lifestyle choices and financial costs are both important. The emotional components of the decision need careful consideration as well as the financial aspects.

2. Visit a variety of villages and picture yourself in each of them. Talk to

residents as well as your friends and family when making a decision.

3. How will you continue to include your loved ones in your life at the village you choose? Will you be close to friends and family? Can they stay overnight for a short visit? Are pets allowed? Does the village include bus/transport services?

4. An engaging lifestyle is an important consideration. Can you keep up your favourite hobbies or learn new ones? What clubs/social groups/activities are offered?

5. Can you afford the ongoing costs – not just entry costs? Understand what they are.

6. What happens with any capital gain on the unit? Some allow no gain while some share it equally with the operator.

7. What are the renovation or refurbishment requirements or obligations on exit?

8. Exit fees – what are they? How are they calculated?

9. If you leave the retirement village what are your entitlements? How soon would they be paid?

10. What sort of contract are you entering into – freehold? Lease? Licence to reside?

11. What arrangements are there for

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ill health/support/hospitalisation if needed?

12. Ongoing care. For higher level care can you stay in the village or do you have to move elsewhere? Consider the costs of transitioning.

13. Home Help and Aged Care is a vital consideration. Plan these sooner rather than later. What options are available?

14. Do you prefer new, or established accommodation? High-rise? A garden?

Take time to view a variety of options. If possible, look closely at floor plans and view lived in areas, not just a display unit.

15. Ask about the demographics of each option – does the age range of other occupants suit you?

16. If you are still partnered, would fees be manageable if you become single through separation or death?

17. Can you maintain your own garden? How would the area be modified for your pet?

18. What’s covered in the GSC (general service charge)? Do you pay for electricity, gas, water, internet separately?

Are these shared, or are they individual costs?

19. Can you meet the on-site manager? Do you relate well?

20. What involvement does the

residents’ committee have? How are disputes resolved in the Village?

21. Is the security in the village suitable for you?

22. What arrangements are in place for maintenance of units, community facilities, grounds/common areas.

23. Are meals or a dining area available?

24. When are village staff on duty?

How often is there a nurse on duty? Who responds to emergency call buttons? Are these provided?

25. Review amenities and services.

For example wheelchair access, physio, exercise and relaxation classes, gym equipment, pool, spa, hairdresser, men’s shed, library etc.

The State Government in its retirement village documentation strongly recommends obtaining Independent legal advice prior to signing a retirement village contract. When entering into any retirement village contract always use a lawyer with extensive experience in that area, not a generalist lawyer or conveyancer.

Lesa Macpherson is an expert in all forms of retirement village contracts at Sunshine Coast Elder Law. Visit sunshinecoastelderlaw.com.au or call 1800 961 622.

PROPERTY THE POPULAR CHOICE

WITH the Covid pandemic causing many to now face uncertainty about how their money will last, financial planner Patricia Howard has written a no-nonsense, practical guide on what it takes to get to, and through, retirement.

The No-Regrets Guide to Retirement: How to live well, invest wisely and make your money last (Wiley, $29.95) is aimed at the 500,000 Australians who will retire in the next five years.

Drawing on decades of experience as a senior finance journalist and licensed financial planner, Patricia walks readers through common retirement planning issues. She offers simple, proven solutions and strategies to ensure readers avoid the biggest pitfalls to enjoy their retirement.

Accessibly written and perfect for people entering or already in retirement, The No-Regrets Guide to Retirement provides the tools to ensure a strong financial position.

Available at all good book stores and online at patriciahoward.com.au

RESEARCH has revealed the 42 per cent of Australians consider property to be the best avenue for long-term return on investment.

This is attributed to the property market boom in recent years, house prices peaking after falling interest rates, and the market remaining relatively unscathed during the pandemic.

And a significant proportion would invest in property within their superannuation if they met the criteria.

Specifically, 62 per cent of those in their 50s and 59 per cent of over 60s

would be more interested in investing in residential houses in their self-managed super fund (SMSF).

The findings come from a survey of an independent, nationally representative panel of 1006 Australians commissioned by finance information platform Money.com.au.

More than 1 in 2 Aussies consider property the most secure and profitable long-term investment, compared with shares (32 per cent), gold and cash (9 per cent) and fixed interest such as government bonds (8 per cent).

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23.indd 3

1800 961 622 | www.sunshinecoastelderlaw.com.au | Maroochydore and Birtinya February 2021 / YOUR TIME MAGAZINE 23

28/01/2021 10:13:22 AM

BOOK REVIEW

BILL MCCARTHY As a pilot and yacht navigator I have perhaps too much empathy with this writer to give an unbiased review.

Paul Goodwin’s tribute to his Father is well written and researched, as it should be, with his father the major contributor.

From a hard childhood in country Queensland, to an eager and curious young man, to a lead navigator in Bomber Command surviving two tours, and finally the last navigator employed by Qantas, is a hell of a story.

He manages to explain in layman’s terms what the air war was like for the individual as well as the overall strategies and challenges of the senior command.

The chance of surviving unscathed was less than 40 per cent. My father was one of the lucky ones. A wonderful tribute to the bravery and courage of the aircrews.

MARY BARBER This is the story of a Queensland boy who escapes an abusive childhood and makes a meaningful life for himself. It’s also the story of the young men in Bomber Command who put their lives on the line to stop the aggressive German war machine.

It is well-written. Paul Goodwin has used his father’s flying logs, written memoirs and conversations to build this insightful book. The descriptions of bombing missions are vivid and fresh. The navigator Gordon Goodwin developed a real love and respect for the mighty Lancaster.

I think this is an important book as it’s a first-person account of a significant time in recent history. It shows the remarkable courage and brotherhood people can find when freedom is threatened.

BOOK review JO BOURKE This is a factual account of the courageous men who were part of Bomber Command in World War II. It is not a genre I would normally read but it has stayed with me long after finishing it.

The odds of returning to base after a bombing raid were a mere 50 per cent - a stark reality. The author has cleverly used his father’s memoirs and historical accounts to take us along with Gordon Goodwin as he and his fellow airmen helped change the course of the war.

Gordon’s story is a life of achievement against the odds! It is an honest portrayal from his harsh early years until an uncle saw his potential and stepped in to encourage his thirst for education and achievement.

I imagine that anyone who has a passionate interest in war history will have this book in pride of place on their bookshelf and will refer to it often. For me, I am content to have been immersed in this brave man’s life for a while along with his beloved Mary and his Qantas roles after the war. An interesting read.

THE LAST NAVIGATOR

By Paul Goodwin

JOHN KLEINSCHMIDT This biography of Gordon Goodwin is a detailed and meticulous account of his life from difficult childhood days in Montville and Bundaberg through his years in the dangerous World War II service Bomber Command, to better days with Qantas.

Gordon’s tough upbringing demanded results under lamentable circumstances, a trait that he exhibited to survive more than 65 bombing missions including the most dangerous missions over Berlin. His time in Bomber Command is a bit repetitive but nonetheless it vividly portrays the sheer scale of Bombing Missions, the loss of air crew and the hit and miss devastation of German cities.

It was a relief to reach his Qantas years. A good read about a remarkable life.

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TONY HARRINGTON

Gordon Goodwin was a decorated airman and an inspired leader. During World War II he served with the Pathfinders as they led bombing raids into Germany. He undertook 32 Pathfinder missions, including nine over Berlin, and 65 missions over enemy territory with Bomber Command.

Surviving his childhood was perhaps a greater achievement. Raised in harsh and loveless circumstances outside Brisbane during the Depression, his accomplishments were remarkable.

This is the powerful account of Gordon’s dangerous and brave war experiences as recalled for his son Paul.

He not only survived the war but went on to a successful career with Qantas, finishing as its chief, and possibly last, navigator.

This book is a wellwritten excellent biography with great local flavour about an extraordinary Australian gentleman who grew up in Montville, trained as a sugar boiler in Bundaberg and then joined the RAAF as a navigator during World War II. Gordon rose through the ranks in England to become a master navigator and instructor. This highly decorated airman flew 65 dangerous missions over Nazi-controlled Western Europe with the Pathfinder squadrons.

Accurate air navigation, mainly by celestial astrofixes, dead reckoning and intuition on wind speed were necessary to find and pinpoint enemy targets.

These bombing raids were a major factor in securing victory. After the war he became the lead navigator for Qantas until computer navigation made redundant the exceptional skills of the last navigator.

Some readers may find descriptions of the bombing missions a bit long and tedious but the story is spiced up with Gordon finding the love of his life and a real zest for living.

The controversies about killing tens of thousands of civilians in order to win the war is especially relevant given the alleged war crimes in Afghanistan today.

An enjoyable and informative read. 8/10

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28/01/2021 10:13:39 AM

WELLBEING

Keep ahead of a hair-raising situation Hair loss can be the result of a number of factors. TRUDY KITHER examines the effects of stress and anxiety.

S

tress and anxiety, gut issues, and hormones can all be responsible for hair loss.

Stress relates to the hormone cortisol which is made by the adrenal glands when they react and adapt to internal and external stressors.

When the body encounters too much stress, cortisol levels increase and become very destructive to its proteins. Your body will start using proteins, such as hair, skin, nails, collagen, and muscles, as fuel for energy supply by breaking them down and using them as sugar.

This is the reason why you may have blood sugar issues if you have too much cortisol.

If your cortisol (an immune function) is too low, you can also have hair loss. It will be similar to alopecia, where patches of hair fall out.

Alopecia is an auto-immune condition in which the body starts attacking its own tissues, primarily hair, causing it to fall out. It can occur if you go through a severe loss or trauma,

as it will shock the adrenals, so you then lose your cortisol function.

To improve cortisol function, you will need to resolve or improve stress levels, balance cortisol levels, and treat adrenals with supplements.

Hair also needs because stress depletes B vitamins, potassium, and calcium. Another suggestion would be to increase growth

hormone levels, which is the opposite of cortisol, and protects proteins.

Growth hormone helps with stress and is anti-ageing, whereas cortisol is ageing and makes your hair fall out. Growth hormone is triggered by sleep, a good amount of protein, and is stimulated when you do intermittent fasting.

When you have a receding

hairline, it is often due to having higher levels of androgens (male hormones) or 5-alpha-reductase.

How can you reduce these?

By taking zinc, omega 3s, and vitamin D supplementation. To reduce high levels of androgens, you will need to reduce the high levels of insulin in your body.

Take the supplementation along with a ketogenic diet and intermittent fasting, as these will minimize insulin levels in your body.

Another reason for hair loss can be nutrition. One of the critical nutrients for hair is biotin, a B vitamin, which also happens to be an essential nutrient for growing and increasing hair health. It is a necessary co-factor to help the enzymes in your gut make proteins from amino acids, which is why it is required to make hair.

B vitamins, including biotin, are also made from the microbes in your gut. When you have taken antibiotics, it decreases the number of friendly bacteria in your gut, creating a microbial

imbalance and lessening your B vitamin and Biotin production.

It then also increases the growth of another microbe (Lactobacillus murinus), that cannot make biotin.

Other factors that cause microbial imbalances are GMO foods as they contain glyphosate residue. (In 2010, Monsanto got patents for glyphosate to be classified as an antibiotic). Traces of glyphosate can be found in the water supply, food, vegetables, livestock feeds, soy and corn oils, etc.

The herb horsetail (which is high in natural silica) is another excellent way to produce and maintain healthy hair growth.

The recommendations in this article are not meant to diagnose or treat specific health conditions and are for general information only. Always consult your trusted registered natural health practitioner for your individual situation.

Trudy Kither is a naturopath and owner, Nature’s Temple.

Visit naturestemple.net

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Phone Coast OMS on 1800 623 338 or contact info@coastoms.com.au. www.coastoms.com.au Located at Sunshine Coast University Private Hospital.

T 1800 623 338 E info@coastoms.com.au Sunshine Coast University Private Hospital Consulting Room 1, 3 Doherty Street, Birtinya Queensland 4575 Sunshine Coast

25.indd 3

February 2021 / YOUR TIME MAGAZINE 25

28/01/2021 10:13:55 AM

HEALTH

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Looking for the right surgeon isn’t rocket science it’s brain surgery.

A TWO-day Sunshine Coast Health Symposium next month will highlight excellence in health research and education within the Sunshine Coast Hospital and Health Service region.

It will showcase collaboration, diversity and excellence, with presentations to focus on education, research, innovation, patient safety, quality, and community and mental health.

It will be on March 18-19 at the

Sunshine Coast Health Institute at Birtinya. Participants can attend in person or online.

The symposium is a collaboration between the Sunshine Coast Health Institute partners, PHN, Sunshine Coast Private Hospitals, community health organisations, health education providers, and other private and/or not-for-profit entities.

Visit sunshinecoast healthsymposium.com.au

NEW HEARING AID WIRED FOR SOUND

ĆȓǾȪ ƱźȪƱǀɜ ƱźȪ Ȗȵȵȓ ʗǀɜ ʣ͗ ǾȪȪȵƱǀȪɰ͗ źȪƸ͗ Ǿɤ͗ ȵǰɰǀȪ͗ ǾȪʗǾɤǾưȖǀ͗ ɰȵ͗ɰǹǀ͗ȪźȓǀƸ͗ǀʣǀ̯͗ʘǹǾƱǹ͗Ǿɤ͗ʘǹʣ͗ əɜȵǰǀɤɤǾȵȪźȖ͗ɤȓǾȪ͗ƱźȪƱǀɜ͗ƱǹǀƱȓɤ͗ ɤźʗǀ͗ȖǾʗǀɤ̵͗

Áȵ͗ɜǀǰǀɜɜźȖ͗ɜǀɛʀǾɜǀƸ͗​͗​͗​͗Ćǹȵɜɰ͗ʘźǾɰ͗ɰǾȨǀɤ

SYMPOSIUM HIGHLIGHTS HEALTH

A WORLD first hearing aid has been “trained” using 12 million real-life sound scenes to support how the brain naturally works.

The device was developed after research revealed people with hearing loss needed access to all sounds for their brains to make sense of their environment.

The Oticon More aid uses artificial intelligence (AI), rather than a focus on speech which allows the wearer to hear more and helps the brain interpret and focus on what it needs to hear.

It uses one of the most advanced technologies, a Deep Neural Network platform, which has been trained using 12 million everyday-life sound scenes, collected in nature using a special 360-degree spherical microphone.

As a result, the hearing aid has learned to recognise all the varying types of sounds, their details and how they should ideally sound.

“Most people think we hear with our

ears, but our brains are our main tool for hearing,” Oticon Australia national audiology manager Jonathan Constantine said.

“This new hearing aid uses the Deep Neural Network to help the brain hear sound in the most natural and effective way.

“Traditional hearing aids block out surrounding sound, but Oticon More scans and analyses a sound scene at 500 times per second allowing the brain to process key sounds, such as someone else speaking or a bird chirping, even in a noisy, crowded environment.”

It is the world’s first hearing aid to support the brain to work in the most natural and effective way taking in a full sound scene.

The device, which can be linked to compatible smartphones, also allows users to directly stream music and phone calls into their ear and even connects to the TV and computers with the use of additional accessories.

Sunshine Coast Neurosurgery is the specialist practice of Dr Stephen Byrne, where we apply cutting-edge technology and the latest techniques to deliver world-class healthcare and personalised medicine.

Sunshine Coast Neurosurgery have a specialist interest in minimally invasive brain & spine surgery and use their extensive experience to treat many common conditions such as: Cervical and Lumbar degenerative conditions, Brain, Spine & Pituitary tumours, and Chiari malformations.

All patients receive one-to-one pre-operative counselling and tailored personalised care using the latest techniques. Please contact us - or speak with your GP for a referral - and we look forward to helping you along the road to recovery.

Sunshine Coast University Private Hospital Suite 17, 3 Doherty Street, Birtinya Q 4575

T 07 5437 7256 E info@scneuro.com.au www.scneurosurgery.com.au

26 YOUR TIME MAGAZINE / February 2021

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Sunshine Coast

28/01/2021 10:14:16 AM

HEALTH

Stem cells tackle arthritis

ABOUT 6.1 million people or about 28 per cent of Australians suffer from arthritis and other muscloskeletal conditions. There are supplements to help ease symptoms, but MARITA MASON has a better solution.

S

TEM cells are the only cells in our body capable of repair and renewal.

Cells are constantly breaking down and being replaced where possible, but the older we get, fewer stem cells are released.

Research now shows that the body heals itself via the migration of adult stem cells from the bone marrow.

Damaged cells release a compound that calls adult stem cells to the damage.

Providing they can get to the tissues, they can turn into that tissue and renew the damage.

For example, with arthritis, adult stem cells can become chrondrocytes – the cells that produce new cartilage.

Adult stem cells can become new bone cells and have been linked with an increase of Lubricin, a protein found in joint fluid that acts like a shock absorber.

It has been shown that once people are over 30, their natural stem cell migration slows by 5 per cent a year.

By the time you’re 65, there is a 90 per cent loss of circulating stem cells and that is why the signs of ageing increase so dramatically then.

One of the most efficient ways of releasing more stem cells into our circulation is to take stem cell nutrition, a nutritional food that supports the release and activity of our own stem cells.

Scientists have discovered that an aqua botanical from Lake Klamath, Oregon, known as AFA is the most potent form of stem cell nutrition.

This is now available as a supplement. One dose can release 5-9 million of your own stem cells to replace damaged or worn out cells.

Not only can these stem cells become cartilage and muscle cells, but also brain, kidney, liver, skin, heart, bone, pancreas, thyroid or eye cells – whatever your body needs to repair and regenerate.

The body’s innate intelligence will direct those stem cells to where they are most needed in the body.

Adult stem cells are the only known source for rebuilding the body.

Stem cell nutrition is safe, affordable, backed by science, patented and guaranteed and is now available in Australia.

Visit maritamason.com

MODERN-DAY ALCHEMIST TRANSFORMS LIVES THE word alchemist isn’t something you hear every day and for many, it may sound a bit “otherworldly”.

Historically, alchemists believed there was a spiritual connection between metals and earth, and metal could be turned to gold. And although the ancient sort of alchemist obviously failed, alchemy is essentially where modern chemistry was born.

Today, an alchemist is simply someone who can transform things for the better. Enter Cate Young, an alchemist, life stylist and integrative wellness coach at Kansha, a holistic wellness clinic in Noosaville.

After training as a health coach, Cate’s career began to evolve and now she is helping her clients heal, transform and gain clarity through her gift in alchemy.

She uses a series of techniques, such as energy clearing, meditation and visualisation techniques to connect clients with what she refers to as their blueprint.

This is a term she’s trademarked and which has recently been recognised as a healing modality in Australia and New Zealand. This means it will likely become a more known form of therapy, lined up with other more traditional practices such as yoga, meditation and acupuncture.

“Alchemy is all about transformation

and creation,” she says. “I help people connect with their essence, their blueprint. We then use this as their ‘compass’ to map out a life that’s aligned with their unique soul and purpose.

“In a nut-shell, I’m a modern-day way-finder who designs and facilitates integrative healing solutions for collective wellness and transformation.”

While there seems to be an element of magic to what Cate does, in a practical sense she really just helps cut through all the noise.

“Sometimes in life we lose our confidence and purpose,” she says. “This can be as a result of overwhelm, trauma, anxiety, change of life circumstances or even just wanting to succeed in something we haven’t done before.”

She designed a four-week course called Design the Life You Love, focused around alignment, connection, creation and drawing up an actionable plan to allow you to succeed.

The sessions are different for everyone – some need healing, others clarity, and some transformation.

“I work with people from all walks of life, no one is exempt from needing a bit of healing and redirecting. And that’s my specialty – helping people gain clarity, rediscover their why and live their best lives with intention,” she says.

Visit kansha.com.au

What makes self funded retirees angry?

Overpriced Hearing Aids!

You spent your working life making sure you could look after yourself in retirement, you want to make sure you enjoy it, so you look to get some help for your hearing, only to have some salesperson try to make you spend thousands of dollars.

Acupuncture ChiropracƟc Massage Reflexology Naturopathy Herbal Medicine Kinesiology Counseling IntegraƟve Wellness Coaching

Don’t get angry get a second opinion.

Digital Hearing Aids from NO W

$900 $800

The Hearing Centre, 5/56 Landsborough Parade, Golden Beach.

Ph: (07) 5477 0144 Sunshine Coast

27.indd 3

Take a deep breath, relax & reconnect GiŌ Vouchers, Senior Longevity Vouchers & EssenƟal oils available 6 Mary Street, Noosaville Online Booking available

Ph: 07 5473 0724 www.kansha.com.au February 2021 / YOUR TIME MAGAZINE 27

28/01/2021 10:14:31 AM

WHAT’S ON

Bob McKinnon and Brian Fogarty Presents

SUNDAY JAZZ

in concert normie ROWE dinah LEE

SUNSHINE Coast Jazz Club brings Trombone Kellie and Her Muddy Roaders to Caloundra this month.

This band of skilled musicians has a unique blend of blues, jazz swing, rockabilly, New Orleans styles, trad jazz, gospel, western swing and soul, with inspirational vocals, raunchy horns, and provocative guitar.

Caloundra Power Boat Club February 21, noon and 4pm.Call 0427 782 960 or visit sunshinecoastjazz.net.au

ARTISTS OPEN STUDIOS FOR ART TRAIL

jade HURLEY Don’t miss the chance to relive all the great memories and all the great songs when these three music legends come together for one night only!

“Shakin’ All Over”, “Ohh La La”, “Don’t You Know Yockomo”, “Reet Petite”, “Down in the Riverina”, “Whole lotta Shaking” and so many more in one great concert.

Saturday 13 March, 2021 – 8pm

THE EVENTS CENTRE, CALOUNDRA BOOK NOW: 07 5491 4240 or www.theeventscentre.com.au

MAROOCHYDORE Jazz and Blues Collective’s next Jazz N Blues Sunday is coming up on March 7, with The Session Band and special guest Kelsey Giarola. .

This band is highly versatile and always fun, and equally skilled at Dixie, swing, modern jazz, latin, rock, pop and country.

Millwell Rd Community Centre, Maroochydore, March 7, doors open 1pm, music 2pm-4.30pm. Tickets $25, sseniors $23. Bookings ticketbo.com or call 0417 633 734.

MORE than 50 local artists will next month open their studios for everyone to explore Sunshine Coast local art trails in some spectacular locations.

Open Studios Sunshine Coast is a celebration of the vibrant and diverse art scene, and an opportunity to discover the range of studios and galleries in the region.

Now in its 11th year, the re-launched and re-branded program explores art behind the scenes and provides an opportunity to visit the creative spaces of

local artists that are not usually available for public viewing, as well as some permanent gallery spaces.

From backyard sheds, shipping containers, warehouses and gallery studios to garden retreats, see the fascinating sanctums where artists work.

Free and open to the public, the annual Open Studios Sunshine Coast will showcase more than 50 artists and about 40 studios and galleries throughout the region.

The community is encouraged to take self-guided tours to meet local artists, view artistry in action, purchase art, participate in workshops, and gain a new appreciation for the creativity of talented local artists.

March 20-21: Hinterland Open Studios.

March 27-28: Coast Open Studios. Visit openstudiossunshinecoast.com.au

A Morning with Bernstein Wedn nesday 17 Fe ebruaary @ 11am

The Bestt of Bublé Wednesday 16 6 Ju une e @ 11 1am

Blo o om Wed dnesd day 10 Novem mber @ 11am

Darren Coggan Wed dnesday 15 Dece ember @ 11am

Tickets: $22 / Groups 8+: $20 Saturday 13 March at 2pm & 7.30pm Sunday 14 March at 2pm Tickets: $45 / Conc & Group 6+: $40

BOOK NOW:

07 5491 4240 | www.theeventscentre.com.au

28 YOUR TIME MAGAZINE / February 2021

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*Stagedoor Cafe will be open 2 hours prior to each show. Visit the website for menu.

BOOK NOW:

07 5491 4240 | www.theeventscentre.com.au Sunshine Coast

28/01/2021 10:14:56 AM

WHAT’S ON

COMING UP AT THE EVENTS CENTRE

THE Events Centre Caloundra daytime concert series presents A Morning with Bernstein, the best musical work by composer Leonard Bernstein.

Reminisce with selections of the best music from West Side Story, On the Town, Candide, Wonderful Town and Peter Pan, as well as popular pieces from his famous Piano Trio.

The program traces the life of Bernstein as his works are performed in the chronology of his writing.

Presented by Brisbane theatre producers, Lynch and Paterson, it features new arrangements for piano, violin, cello and two soaring voices.

Friday, February 17, 11am. Tickets: $25.50, Group 8+ $20.

Bookings: theeventscentre.com.au or call 5491 4240

Margaret Fulton burst into the nation’s kitchens in 1969 with her cookbooks containing hundreds of recipes, step-by step instructions, hints, tips and full-colour pictures.

She was a huge success and taught a generation of women how to make delicious, economical dishes for family and friends.

Armed with a fondue set, a pressure cooker and their newfound confidence, women transformed themselves from family cooks to elegant hostesses. The era of the dinner party was born.

Margaret Fulton died at age 94 in 2019.

This performance celebrates her life and story with original songs adapted from her book I Sang For My Supper.

Saturday, March 13, 2pm and 7.30pm Sunday, March 14, 2pm.

Tickets: $45.00. Groups 6+ $40 Bookings: theeventscentre.com.au or call 5491 4240

CHOICE IS BIGGER THAN CHICKEN OR BEEF Affordable, fresh, chef prepared meals delivered to your door.

Hot, chilled, frozen main meals or salads, delicious desserts and home style soups. ● Your choice of meal combinations and delivery days. ● Most dietary restrictions catered for. ● Free delivery providing that important welfare check. ● Cost of the meals can be subsidised by My Aged Care or NDIS or included in your Home Care Package. ●

Pomona – 5485 1777 – admin@mowp.org.au Nambour - 5441 3543 – nambourmow@bigpond.com Coolum Beach - 5446 1000 – coolummeals@bigpond.com

Registered NDIS Provider

RELIVE the great songs of three music legends performing in concert.

Normie Rowe was Australia’s first King of Pop with hits including Shakin’ All Over, Ohh La La and It Ain’t Necessarily So, and he also starred in many stage shows.

Dinah Lee, the Queen of the mods, is a New Zealand born singer whose hits include Don’t You Know Yockomo, Reet Petite and Do The Blue Beat.

Jade Hurley dubbed by Johnny O’Keefe as Australia’s King of Country Rock, is Australia’s Piano Man. Every record he released achieved gold, platinum and double platinum status.

They come together in one amazing concert.

Saturday, March 13, 8pm.

Tickets: $65. Bookings: theeventscentre. com.au or call 5491 4240

MARGARET Fulton The Musical brings to life the story of a true Aussie legend through music, theatre and dance.

The musical biography follows national treasure, Margaret Fulton, on her journey from humble beginnings to cookbook super-stardom as she inspired a nation to stray from tradition and experiment with exciting ingredients.

$12 SENIORS SPECIALS BRAND NEW CRAFT BEER TAPHOUSE IN BIRTINYA ROTISSERIE KITCHEN × CRAFT BEER × WINE MONDAY-FRIDAY ONLY. MUST SHOW SENIORS CARD. USE BY 31ST MARCH 2021

8 the avenue, birtinya (stockland birtinya) Sunshine Coast

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maltshoveltaphouse.com.au - book a table now!

@MALTSHOVELTAPHOUSESC February 2021 / YOUR TIME MAGAZINE 29

28/01/2021 10:15:19 AM

EXPERTS PROMOTION

INDUSTRY EXPERTS PENSION HELP

LEGAL

NEUROSURGERY

AGED CARE

Just one more stress driven job

Is my “home made” will enough?

Advances in neurosurgery

Covid no time to cancel care services

There are jobs that are just annoying. You tend to put them off or grudgingly complete as required. For me, it’s the maintenance in the garden that gets in the way of doing the creative work I love. That means the lawns, so we engage a lawn mower.

House cleaning is another, although we do tend to grin and bear it. Those years I had a cleaner made life just that bit less cumbersome.

What about Centrelink, keeping your details updated and your payment correct, a stress-driven chore?

I regularly meet clients who have not updated their details for years, only to find that they have not been receiving the correct payment.

The process of explaining to Centrelink where the funds came from or went to, is exhausting.

For less than $6 a week (less than the gardener or cleaner) CAPA Services will monitor and maintain your Centrelink payment and records.

CAPA Services has service packages structured to meet the varying needs of clients.

Further information is just a telephone call away.

This is the fifth in our series answering questions about estate and probate disputes.

I am often asked whether a “home made will” is sufficient to do the job. It is a question that troubles me.

Maybe it is sufficient if: • you prepare it correctly; • the drafting is clear; • it caters for various scenarios; • it has been correctly executed; and • it can actually be located after you die Why I am troubled by being asked this question is because people seem oblivious to the consequences of getting it wrong.

The days of a simple will are long gone.

An estate plan always involves consideration of: • how assets are owned; • what obligations are owed to provide for family members; and • a beneficiary dying before you.

Sadly, I have seen all too often the costly consequences of errors where people have tried to do their estate planning without legal advice.

The costs of court applications to fix mistakes far outweigh the savings of doing things yourself.

See krugerlaw.com.au to learn more.

The modern operating theatre looks very different compared with other areas of the hospital or GP surgeries that patients often visit. Powerful microscopes, computer navigation and robots have replaced the old, clunky pieces of equipment that were previously used to perform operations to make surgery more streamlined than ever.

Neurosurgeons have always been at the forefront of adopting new, safer technologies to allow operations to be performed in the most delicate areas of the brain and spine. Luckily, most patients will never need the services of a specialist neurosurgeon as most cases of pins and needles, sciatica and the feeling of ‘electric shocks’ in the arm or leg settle with time and following the advice of your GP. For those unlucky enough to have ongoing pain issues, treatment can be undertaken locally at the modern Sunshine Coast University Private Hospital using cutting-edge techniques to get you going and enjoying life again.

Any surgical or invasive procedure carries risks and before proceeding, you should seek the advice of your doctor.

If you or a family member have stopped receiving home care services fearing contracting Covid, I urge you to reconsider.

The risk of contracting the virus while receiving home care is minimal and needs to be weighed against the risk of not getting the help you need.

Slipping in the shower, forgetting to take your medication and cancelling your nurse’s home visit, can compromise your health.

If you have concerns about your service, pick up the phone and ask some questions. Here are five ways many home care services have adapted to life under Covid: 1. Limiting the number of carers who visit, by giving multiple shifts to the same carer.

2. Services have set up infection control protocols and trained care staff in these.

3. Shopping online and getting groceries home-delivered.

4. Use telehealth through Skype calls.

5. Social isolation can lead to depression and a higher risk of mental decline. Home care services are focused on the whole person. A carer’s visit is an opportunity to talk or share a joke as well as to attend to the basics.

NARELLE COOPER DIRECTOR CAPA SERVICES CENTRE FOR AGE PENSION ADMIN SERVICES 07 5354 0144 OR 1300 043 197 ADMIN@CAPASERVICES.COM.AU

TRENT WAKERLEY PARTNER, KRUGER LAW LEVEL 4, OCEAN CENTRAL, OCEAN STREET, MAROOCHYDORE 5443 9600, KRUGERLAW.COM.AU

DR STEPHEN BYRNE SUNSHINE COAST NEUROSURGERY SUITE 17, SUNSHINE COAST UNIVERSITY PRIVATE HOSPITAL, 3 DOHERTY STREET, BIRTINYA. PHONE: 5437 7256 SCNEUROSURGERY.COM.AU

KENDALL MORTON DIRECTOR, HOME CARE ASSISTANCE SUNSHINE COAST 42 BULCOCK STREET, 5491 6888 HOMECAREASSISTANCESUNSHINE COAST.COM.AU

30 YOUR TIME MAGAZINE / February 2021

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Sunshine Coast

28/01/2021 10:15:44 AM

EXPERTS PROMOTION

INDUSTRY EXPERTS ORTHOPAEDIC

LIFE STYLE VILLAGES

When is it time for a joint replacement?

Clearing up the misconceptions

Patients with symptomatic hip and knee osteoarthritis will often ask me if they should have joint replacement surgery.

This decision comes down to a balance of risk versus benefit.

Considerations in this analysis include the severity of the pain, the impact on their quality of life, activity profile, age, other health problems as well as having appropriate attempts to manage the problem non-operatively.

If the potential risks are higher than the potential benefits, I will inform patients they are not a candidate for surgery. We will then have a long conversation about the non-operative measures they can take to improve their quality of life.

When patients are a candidate for joint replacement surgery, I always present the non-operative options as well as inform them about the risks and benefits of the surgery.

It is never for me to tell patients when it is the right time to have elective surgery.

This is an intensely personal decision with so many factors. Only the patient knows when the time is right.

1. It’s for older people.

Over 50s lifestyle villages are active independent living and an alternative to retirement villages. Some residents still work.

Early retirees and Baby Boomers are attracted to the pack up and go options available. Often they sell their homes and free up money for lifestyle, buy the RV or caravan and hit the road knowing their home is in a safe environment where there is no need to worry about the grass being mowed and the garden maintained.

2. You don’t own the land.

But you get all the capital gain when you sell!

You own the home outright and and have a lease on the land which has a start date but no end date, so although you don’t own the land you have the right to use it indefinitely.

In the over 50s lifestyle villages the value is in not owning the land. If you did, you would have to sell it to anybody and then you would have families and children and rentals arriving as well.

3. Rules Most people living in over 50s villages like the idea of rules which protect their investment.

For example, you can’t paint murals on walls or paint your home pink or purple which can devalue the value of the home when it comes time to sell.

Most of the rules are common sense and are there for your own protection.

DR DAEVYD RODDA SUNSHINE COAST ORTHOPAEDIC GROUP SUNSHINE COAST UNIVERSITY PRIVATE HOSPITAL, SUITE 12, 3 DOHERTY STREET, BIRTINYA, 5493 8038 SCORTHOGROUP.COM.AU

Sunshine Coast

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LYN MORRISON LIFESTYLE AND RETIREMENT ADVISOR AFFINITY LIFESTYLE RESORT 0431 483 388, LYNM62@OUTLOOK.COM

FINANCIAL ADVICE

Stay in control with a frailty plan Last year we had a taste of what it is like to lose some independence and be confined at home; a time when it was difficult to go out and see the doctor or do the groceries without planning ahead.

But what if the reason was not an international pandemic and was not affecting everyone in your street, but only you? What if it was due to your own frailty?

With the potential for frailty (on average) to span 20 per cent of our retirement years, we need a plan.

Having a plan can set you up to have choices and more control so you can maintain as much independence as possible.

If frailty creeps up and you have not planned ahead, you might find yourself herded down a path based on the bias and the goals — no matter how wellintentioned — of the person who first says “I can help”.

A plan gives you time to consider your preferred choices and be prepared. This may allow you to: • Ensure your home is modified and ready to continue living there.

• Have your support teams in place.

• Take away some of the stress and uncertainty from your family.

• And most importantly, have the finances ready to pay for the support you need to ensure not only quality of care, but also quality of lifestyle.

But not everything always goes our way or how we planned. This is why planning is important. You can add contingency measures and decision pathways into your plan.

So how do you get started?

Don’t do it alone. It is too hard to be objective. Ask your financial planner for help.

This is what they are good at … planning.

KELLY BRADY POOLE GROUP ACCOUNTANTS & INVESTMENT ADVISERS STOCKLAND HOUSE, LEVEL 1, 8 INNOVATION PARKWAY, BIRTINYA. 5437 9900, POOLEGROUP.COM.AU

February 2021 / YOUR TIME MAGAZINE 31

28/01/2021 10:16:26 AM

RETIREMENT LIVING

MASTER PLANNING DELIVERS PERFECTION

FIGHTING FIT 50S LIVE IN FINE STYLE ONE of the simplest ways to improve health physically and mentally after turning 50 is to stay socially connected with friends and family.

Affinity Lifestyle Resort has been created specifically for those over 50 who want to join a warm and welcoming community while enjoying the independence of owning their own home.

Located in Morayfield, Affinity Lifestyle Resort has everything to help mind, body and soul thrive, with an active social club, regular outings and events.

Senior sales manager Dee Cameron says the new resort clubhouse will be a luxurious destination for all social, recreation and leisure activities, offering homeowners many more ways to interact.

“Everyone is so excited for the opening, they can’t wait to either start water aerobics in the heated magnesium pool, catch a movie in the cinema or settle in for a game of bowls in the afternoon,” she said.

Due to high demand, stage 2 has been released early with three new display homes now open for inspection.

The range of beautifully designed homes now available starts from $412,000 with sites close to the caravan, RV and boat storage bays.

“Affinity Lifestyle Resort has so much to offer and the best way to experience it is to join us at one of our free events,” Ms Cameron said. “I have found that people who attend these events love the fact they get to experience first-hand what it’s like to live at Affinity with the added benefit of getting to meet current homeowners, who could be your future neighbours and friends.”

Call 1300 386 156 to book an inspection or visit affinitylifestyle.com.au

HALCYON’S newest Sunshine Coast community, B by Halcyon, will be the company’s greenest project to date and has been thoughtfully master planned.

The community is in the foothills of the Buderim rainforest and has been designed and constructed to create beautiful, liveable environments. More than 40 homeowners have now moved in and 100 homes are expected to be built by the end of the year.

B by Halcyon project director Chris Carley said master planning was a process which involved working with the natural attributes of the land to create a vision which looks after the needs of the people who come to live there.

“It’s one of the most important times in a project and we don’t rush master planning at Halcyon,” he said. “We invest a lot of time looking at the needs of the people who are going to live there and what it is that we want to create on the site.”

New homeowners Michael and Kerry Pert moved to the Sunshine Coast from Canberra.

“We thought it would be a conventional move and we’d buy a conventional house,” Michael said. “But then we were introduced to the vision the team had for B by Halcyon and we really wanted to be involved in that type of project and as early as we could.”

They are happy they did.

Halcyon’s master planning includes: • Articulated facades of homes, both vertical and horizontal make the streets flow.

• Activated, walkable streets that provide visual security.

• Passive solar orientation where every home benefits from aspect.

• Adaptable, flexible home designs that will adapt to changing needs.

• Wide streets like a neighbourhood not a complex.

• Each home has a front yard, garden and verandah.

• Streets are open so visitors can park in the driveway.

Call 1800 050 050 to book an appointment or visit lifebeginsathalcyon.com.au

MEET THE NEIGHBOURS RESIDENTS of TriCare retirement communities have many opportunities to meet with neighbours and socialise through an active social committee.

One of the many benefits of moving into a retirement village is that there is always something to do, and the wide choice of activities means there are plenty of friends around if you want to socialise.

One popular event at Tricare is the monthly happy hour. Instigated by a resident four years ago, this regular event is now organised by the social committee with the aim of getting residents together in a relaxed social environment.

Compton Gardens Retirement Community resident and social committee chairman Peter Myska says that happy hour is an excellent opportunity for residents to catch up in a relaxed environment, over a drink and enjoy each other’s company.

“Everyone is busy with their own lives, so happy hour is one event where residents can mark it on their calendar each month to catch up,” he said. “Social isolation can be an issue as you get older, so we want to provide as many different opportunities as possible for residents to get out and see other people.”

Some of the events on this year’s social calendar

include games evenings, tai-chi, yoga, gentle exercises, craft, aquarobics, table tennis, bingo, indoor bowls, book club, movie nights and bus trips.

Monthly Sunday concerts are also popular, with performances from jazz bands, barbershop quartets and local school bands and choirs. These are followed by afternoon tea so residents can catch up with neighbours.

The social committee also donates money to many worthy causes with funds raised at its events, including the Cancer Council’s Biggest Morning Tea, drought relief programs and music programs at local schools.

Visit tricare.com.au

Are you interested in

downsizing

or Retirement Living

and don’t know how or where to start?...

Then call Margaret at Inspired Outcomes for some answers.

One stop shop for Seniors moving forward 32 YOUR TIME MAGAZINE / February 2021

32.indd 2

Call Margaret today for a Free, no obligaঞon consultaঞon on:

0448 201 884 Sunshine Coast

28/01/2021 10:16:40 AM

The WORLD in Your Hands

Travel in Your Time

Wait a while in the Never Never Red dust, ant hills taller than a man, tropical cabbage palm forests, thermal springs and rivers that never dry up. BEVERLEY EVERSON heads into the heart of the Never Never.

E

LSEY National Park in the Northern Territory supports all types of native birds and animal life in a vast wilderness and, even more unlikely, has buffalo and camels roaming around.

It’s also home to Mataranka, which in the local Yangmanic language means “home of the snake”.

With a population of about 400, it was first gazetted as a town in 1928 after the arrival of the North Australia Railway. The narrow-gauge line closed in 1976 after being damaged by a cyclone – by then the new railway passed about 20km west.

Mataranka played a role in World War II as the Australian Army set up a hospital nearby, and the 10th Australian Advanced Ordnance workshops camped here in paperbark buildings. There was also an ammunition depot.

It is the closest town to Elsey NP and is located on the sealed Stuart Highway about 101km from Katherine.

There are two seasons – dry (May to October) and wet (November to April).

May to September is the most comfortable time to visit as temperatures in mid-summer can exceed 50C. We arrived in mid-August and already the days were hot. At 4pm, close to “happy

hour”, it was still 39C, although it did cool down later in the evening.

In the centre of Mataranka township is a well-maintained, lush green park for travellers to rest. Beware of the sprinklers and park well away from bore water spray which leaves a residue on paint work.

You can top up with supplies here if necessary, as there are two petrol stations, grocery store, hotel, dump point behind the park and other amenities including a police station and school. There are two caravan parks on the outskirts or stay at Elsey National Park an easy 17km south-east.

The national park, named for the old Elsey Station which was made famous in Mrs Aeneas Gunn’s 1908 book We of the Never Never, offers excellent swimming but only at Bitter Springs and Mataranka Thermal Pools. Swimming and canoeing are no longer permitted in the Roper and Waterhouse rivers, home of saltwater crocodiles. It is permitted to fish from the bank (with care) and by boat (max. 15hp).

Barra is the preferred catch.

In the bar area of the Mataranka thermal pools complex, a sign showcases the fish of the day catch and records.

During our visit the sign advised that “Whippy” had caught a 120cm barra in

March 2020 which was the standing record – what a whopper!

Size and possession limits apply. The Department of Primary Industries and Resources website has details. Fishing with nets, traps and spears is also prohibited.

Excellent boat ramps are located at 4 Mile and 12 Mile Yards within the NP. The campground – Jalmurark – is excellent, with showers, fireplaces, and picnic tables and barbecues in the day visit areas. Sites are spacious with shade and sun to accommodate all types of camping up to large vans.

National Park fees apply and are by self-registration, so there are no concerns about having to pay online, which is just as well as mobile reception is limited.

(Reception was excellent a few kilometres up the road.) There are no powered sites and generators are not permitted.

The campground is an excellent base for driving to see the sights of Bitter Springs, Elsey Homestead and cemetery, and Mataranka hot springs. All are well sign posted and highlight pastoral and local history, including the old station sheep dip and Aboriginal Army Camp.

A riverside walking trail begins at the thermal pools and continues 16km through the park to Mataranka Falls, or choose different access points to the river and scenic picnic spots from John Hauser Drive, which leads into the NP and campground.

Be safe and observe the signs not to swim or paddle, even though the crystal clear water, rock pools and sandy beaches look inviting. The salties are lurking.

Hat, sunscreen, enclosed shoes, and water bottles are necessary as parts are sandy and unshaded. Some of the landmarks and picnic spots along this trail are Stevie’s Hole, Botanic Walk, and Korowan (Mataranka Falls).

Mataranka Thermal Pools has a privately-owned caravan park and cabins.

CAPE YORK FISHING ADVENTURE

Entry is free via a path through the resort.

Beside the carpark is a replica of Elsey Homestead which was moved to this location after filming on We of the Never Never. A cairn and plaque are the only sign of the original homestead and outbuildings.

You can wander through the cemetery a short drive from the original site and find the clearly marked headstone of Aeneas Gunn’s last resting place.

The thermal pool and Bitter Springs are spring-fed, clear aqua pools surrounded by cabbage palm forests, weeping paperbarks and pandanus.

Bitter Springs is a beautiful creek where you can float peacefully in the warm current past ancient foliage to an exit point. Return along a concrete path and do it all over again.

This is truly a marvellous place for a traveller to stay and rest a while. As Mrs Gunn’s book says, a land of “wait a while”.

6 days from $ 2,995^^

(07) 5447 1011 www.tewantintravel.com admin@tewantintravel.com

Shop 14, 113 Poinciana Ave, Tewantin

/E >h ^͗ ZĞƚƵƌŶ ŇŝŐŚƚƐ Ͳ ĂŝƌŶƐ ƚŽ ĂŵĂŐĂ ǁŝƚŚ ZĞdž ŝƌůŝŶĞƐ ͻ ZĞƚƵƌŶ ƚƌĂŶƐĨĞƌƐ Ͳ ĂŵĂŐĞ ŝƌƉŽƌƚ ƚŽ ZŽŬŽ /ƐůĂŶĚ ͻ ϱ ŶŝŐŚƚƐ ŝŶ ZŽŬŽ /ƐůĂŶĚ͛Ɛ ĐŽ dĞŶƚƐ ͻ ϰ ĨƵůů ĚĂLJƐ ŽĨ ĮƐŚŝŶŐ ;ϴ ŚŽƵƌƐ ƉĞƌ ĚĂLJͿ ͻ ƌĞĂŬĨĂƐƚ͕ >ƵŶĐŚ Θ ŝŶŶĞƌ ͻ &ƵůůLJ ƋƵĂůŝĮĞĚ ƐŬŝƉƉĞƌ ͬ ĮƐŚŝŶŐ ŐƵŝĚĞ ĨŽƌ ĞĂĐŚ ďŽĂƚ ͻ &ŝƐŚŝŶŐ ŐĞĂƌ ĂŶĚ ƚĂĐŬůĞ ĐĂŶ ďĞ ƉƌŽǀŝĚĞĚ Ăƚ ŶŽ ĞdžƚƌĂ ĐŽƐƚ ;Ύ ŽŶĚŝƟŽŶƐ ĂƉƉůŝĞƐ. Package based on a minimum group of 4 Guests. ^^ Price is per person quad share - 4 Guests per tent Sunshine Coast

33.indd 3

(07) 5446 1727 www.coolumcruiseandtravel.com.au info@coolumcruiseandtravel.com.au Shop 5 Coolum Village S/C, Coolum Beach

February 2021 / YOUR TIME MAGAZINE 33

28/01/2021 10:16:56 AM

TRAVEL

FISHERMEN HOOKED ON CAPE YORK

UNTAMED wilderness, unspoilt waters, tropical days and unmatched fishing experiences – Cape York is the perfect fishing holiday destination.

Chase the elusive barramundi in the estuaries and then minutes later find yourself pulling a Spanish mackerel from the blue waters.

A six-day Roko Island fishing adventure is the way to discover what Cape York has to offer.

Based near the tip of Cape York, it gives the opportunity to fish three different areas: the north east coast of the Gulf of Carpentaria, Torres Strait and the eastern tip of Cape York coast.

Fish some of the most pristine rivers, coastline and nearby coral fringed islands – blue waters or estuaries fishing, the choice is yours.

Cape York offers anglers the

PRINCESS GETS READY TO SAIL SALE

opportunity to chase some of the world’s best sports fish including barramundi, mangrove jack, Spanish and grey mackerel, long tail tuna, mackerel-tuna, coral trout, giant and golden trevally, fingermark, cobia, threadfin and salmon all in one location.

Bring your mates and enjoy an eco-tent experience on Roko Island where you can relax and enjoy having the Torres Strait as your front yard and Cape York as your backyard.

If you have ever dreamed of waking up on a tropical island, having breakfast with an ocean view, walking down the jetty to board your fishing boat and a few minutes later throwing a line in pristine waters, a Cape York fishing adventure is for you.

Call Tewantin Travel 5447 1011 or Coolum Cruise and Travel 5446 1727.

ALTHOUGH there is still some uncertainty in the world, Princess Cruises is ready to sail as soon as it is safe.

For more than 50 years Princess has been taking guests to incredible destinations around the globe, and in recent months, it has been making plans to connect cruise travellers with inspiring lands and cities as soon as the time is right.

Princess allows guests to get the most out of a destination with “More Ashore” late night departures at selected ports, local connections offering exclusive shore excursions and “Across the Ditch”, a specially-curated program of local experiences on New Zealand cruises.

The Princess fleet is made up of 15 ships worldwide, including the newest, Enchanted Princess, which offers new dining experiences, the most pools and whirlpool hot tubs in the Princess fleet, world-class entertainment venues and Princess’s signature soaring piazza.

She is also a Princess Medallion Class smart ship, the ultimate in effortless, personalised and safe cruising.

Wearing your Ocean Medallion device, you can stay connected with fast and reliable wi-fi, order food and beverages to your location on the ship and find your travelling companions.

From staggered boarding to contactless payment and keyless

stateroom entry, you can enjoy next-level service while staying safe at sea.

The Princess fleet cruising from Australia next summer includes five spectacular ships – Royal, Emerald, Sapphire, Coral and Pacific Princess.

Every Princess ship is a destination in itself with wide-ranging amenities and elevated culinary experiences.

For a limited time – and the first time ever – Princess is offering “Three for Free” when booking a cruise – free stateroom location upgrade, free onboard spending money and a free specialty dining voucher for two.

Take advantage of the sale as Princess’s “book with confidence” policy gives the flexibility to change plans.

Contact your local Travellers Choice agent, call 1300 787858 or visit travellerschoice.com.au

Australian Travel to suit your Budget in 2021 Join Sunshine FM Presenter Penny Hegarty on these fabulous tours!

2021 Coach Tourrss

TOOWOOMBA & PITTSWORTH OVERNIGHTER

CHINCHILLA & SURROUNDS - 3 DAYS

March 5 - 11, 2021 (7 Day Tour) FRASER COAST & LADY MUSGRAVE ISLAND Share/Double $2675.00pp

EXPERIENCE THE BEST THIS COUNTRY HAS TO OFFER Senior Coach Tours including: 9 5 STAR COACH TRAVEL 9 ALL ACCOMMODATION 9 TOURS AND ENTRY FEES 9 ALL DINNERS & BREAKFASTS 9 MOST LUNCHES 9 HOME PICKUP & RETURN*

Single $3141.00

April 19 - 22, 2021 (4 Day Escape) O’REILLYS RAINFOREST RETREAT Share/Double $1280.00pp

Single $1480.00

May 6 - 19, 2021 (14 Day Tour) OUTBACK NSW - THE DARLING RIVER RUN Share/Double $4945.00pp

Single $5717.00

May 31 - June 6, 2021 (7 Day Tour) CARNARVON GORGE & WALLAROO Share/Double $2500.00pp

Single $3130.00

July 5 - 15, 2021 (11 Day Tour) SOUTH WEST QUEENSLAND ADVENTURE Share/Double $3975.00pp

15th & 16th February 2021

$385

12th - 14th March 2021

Per person, Twin share Single Room $455

$775

Per person, Twin share Single Room $875

ULURU & ALICE 6 DAYS

PERTH - GERALDTON 8 DAYS

TASMANIA INC. WYNYARD TULIP FESTIVAL - 11 DAYS

22nd - 27th June 2021

23rd - 30th Sept 2021

6th - 16th October 2021

Single $4665.00

July 21 - 27, 2021 (7 Day Tour) LIGHTNING RIDGE Share/Double $2220.00pp

Single $2495.00

July 29 – August 9, 2021 (12 Day Tour) QUEENSLAND OUTBACK TO COAST Share/Double $5129.00pp

TO BOOK Phone: (07) 5391 1648 M: 0409 278 971 | E: tours@cttravel.com.au

www.cttravel.com.au

CT TRAVEL Coolum Tours & Travel

34 YOUR TIME MAGAZINE / February 2021

34.indd 2

Single $5984.00

August 10 – 17, 2021 (8 Day Tour) TROPICAL NORTH QUEENSLAND Share/Double $3400.00pp

Single $4010.00

August 26 – September 1, 2021 (7 Day Tour) CARNARVON GORGE & WALLAROO Share/Double $2500.00pp

Single $3130.00

September ( 'D\\ (VFDSH) FRASER ISLAND WHALE WATCH TOUR Share/DoublH SS Single *Conditions Apply

$3995

Per person, Twin share Single Room $4695

$3650

Per person, Twin share Single Room $4200

$4955

Per person, Twin share Single Room $5810

Includes • Accommodation • Coach Travel • Tours • Entry Fees Most Meals • Informative guided tours where your touring expectations are my priority.

Penny Hegarty 07 5441 2814 | 0416 028 787 penny.hegarty@gmail.com

Travman Tours 03 9606 0188 info@travman.com.au | www.travman.com.au Sunshine Coast

28/01/2021 10:17:14 AM

TRAVEL

PLAN A TOUR WITHOUT FEAR OF COVID CANCELLATIONS

AS UNCERTAINTY continues to plague travel plans, there remains one way to plan a break away without fear of cancellation – travel locally.

For seven days next month, you can sit back and relax to enjoy the view from a luxury coach heading north to explore the islands – Lady Musgrave and Fraser – and the points of interest in between.

Despite images of the world’s largest sand island burning, the recent bushfire was stopped at the mid-point of the island and all the sights that fascinate visitors remain untouched.

K’gari-Fraser Island has been declared safe and open for visitors.

The islands tour leaves Brisbane on March 5, stopping in Gympie and Childers en route to Bundaberg, where the Burnett Riverside Hotel will be the base for the next three nights.

It’s an early start the next morning to board the Sea Empress for a day’s excursion to Lady Musgrave Island, where experienced local guides lead a walking tour. There will also be plenty of time for a swim and to see the reef from a glass-bottom boat.

The next day is more leisurely, with a guided tour and tasting at the Bundaberg Rum distillery and The Bundaberg Barrel, home of ginger beer.

Day 4 turns south to Hervey Bay, where, after lunch at the Marina Boat Club, guests board the ferry to Fraser.

Settle in at the Kingfisher Bay Resort in time for sunset drinks and dinner at the Sand Bar Bistro.

The next day is a full day’s adventure touring the beauty spots of the island’s east, from an airconditioned custom-

designed 4WD coach. See the famous pure white silica sand and crystal-clear waters of Boorangoora (Lake McKenzie) and the rainforest of Central Station, the spectacular sand cliffs, and the remains of the Maheno, before lunching at Eurong Beach resort.

Day 6 is cruising the west coast of the island and an eco-adventure in the UNESCO-awarded Great Sandy biosphere led by a local skipper and resort ranger.

The final day starts with a leisurely breakfast before heading home, stopping at Maryborough for lunch.

If you’re looking for a luxury four-day

escape, head south from April 19-22, to explore the World Heritage-listed Lamington National Park while staying at the award-winning O’Reilly’s Rainforest Retreat in the Gold Coast hinterland.

Gourmet meals, wine tasting at the Canungra Valley vineyards, early morning birdwalks, a trip to see the glow worms, and the famous treetop walk are just part of the tour.

Full tour details, itineraries and a list of upcoming tours to choose your destination and duration, are on the CT Travel website.

Visit cttravel.com.au

SINCLAIR TOUR & TRAVEL Day Tours - with Pick ups 11 Feb 12 Feb 23 Feb 3 Mar 12 Mar 16 Mar 18 Mar 30 Mar 28 Apr 17 Dec

North Stradbroke Island Mt Mee Scenic Drive & Lunch Skypoint Tower/Lunch Mary Valley Rattler Sth Burnett Winery Lunch Tamborine Glow Worms/Lunch Sth Stradbroke Lunch Cruise Lychee Divine Farm Tour and Lunch Come From Away QPAC Keith Urban In Concert

LIKE US ON FACEBOOK

Ph: 5494 5083

Extended Tours - Small Groups!

27 Feb 14 Mar 24 Mar 9 Apr 11 Apr 17 Apr 20 Apr 26 Apr 12 June 19 Oct

Johnny Cash/Gold Coast O’nite Barossa Valley, Kangaroo Island and Murray River Silo Art Trail – Adelaide to Albury Nth Burnett Country Drive Central Qld Coast - 4 Days Outback Qld, Longreach/Winton Toowoomba/Goondiwindi - 4 Days High Country Autumn Colours Norfolk Island - 8 Days O’Reilly’s - 4 Days

info@sinclairtours.com www.sinclairtours.com

SMALLER GROUPS MORE FUN!

SENIOR COACH TOURS HOME PICKUP AND RETURN HOME PICKUPS: Brisbane, Redlands, Ipswich, Caboolture, Bribie Isl, Sunshine Coast, Gold Coast.

Covid-19 safe - limited coach seating, Enhanced vehicle cleaning and sanitizing, Coastal Variety Tours in association with Kangaroo Bus Lines are committed to providing safe and reliable coach travel in line with government and health authority guidance.

GOLD COAST VIP | 4 DAY TOUR $1199 April/May Sanctury Cove - Intercontinental Resort - Australian Outback Spectacular - Binna Burra - Saint Bernard Hotel - Boat Cruise - Single Supplement Discount $99.

MUDGEE LIGHTNING RIDGE | 9 Days $1999, 9th - 17th May Mudgee Tour, Dubbo the Taronga Open Range Zoo, Warrumbungles, Siding Spring Exploratory, Lightning Ridge Tour, Armidale, Goondiwindi, Sanctuary Cove Intercontinental Resort.

OUTBACK QUEENSLAND & WHITSUNDAYS | 11 Days $2550, 10th - 20th June Longreach - Winton - Charleville - Miles - Clermont - Airlie Beach - Rockhampton Charleville Cosmos Centre, Longreach Hall of Fame, Qantas Museum, Thompson River Sunset Drovers Dinner, Winton Age of Dinosaurs, Waltzing Matilda Centre. Whitsunday Boat Cruise Daydream & Hamilton Islands, Town of 1770.

CAIRNS & TROPICAL NORTH QUEENSLAND | 14 Days $2,999, 22nd July - 4 August Cairns 4 nights - Skyrail/Train Kuranda, Daintree Rainforest River Cruise, Port Douglas, Atherton Tableland Tour, Millaa Millaa Falls, Paronella Park, Lake Barrine Cruise. • Townsville 3 nights - Magnetic Island Cruise. • Airlie Beach 2 nights - Whitsunday Cruise, Daydream and Hamilton Islands.

Please Phone Coastal Variety Tours 3343 6722 for Free Tour Brochure | Home Pickup and Return - All Tours Sunshine Coast

35.indd 3

February 2021 / YOUR TIME MAGAZINE 35

28/01/2021 10:17:48 AM

Asia & Australia

16 nights from Brisbane to Hong Kong onboard Royal Princess® Visit Brisbane . Darwin . Lombok . Ho Chi Minh City (Phu My) . Nha Trang . Hong Kong Cruise departs 09 March 2022

Interior Stateroom from $1,799*pp Balcony Stateroom from $2,239*pp Fiji

14 nights roundtrip from Brisbane onboard Coral Princess® Visit Brisbane . Noumea . Mystery Island . Suva . Dravuni Island . Savusavu . Lautoka .

Isle of Pines . Brisbane Cruise departs 02 January 2022

Interior Stateroom from $2,200*pp Balcony Stateroom from $3,000*pp

FREE

Stateroom Location upgrade+ valued up to $600 per stateroom

+

FREE

Onboard Spending Money^ valued up to $400 per stateroom

+

FREE

Specialty Dining voucher for 2# on voyages 7 nights or more

Princess MedallionClass™ smart ships feature TrulyTouchless™ technology to offer the ultimate in effortless and personalised cruising.

BOOK WITH YOUR LOCAL TRAVELLERS CHOICE AGENT CALOUNDRA - Ucango Travel & Cruise Centre - 5437 4000 • COOLUM BEACH - Coolum Cruise & Travel - 5446 1727 • KAWANA WATERS - Kawana Waters Travel - 5444 6500 • MAROOCHYDORE - Ucango Travel & Cruise Centre - 5451 8600 NAMBOUR - Easy Travel and Cruise - 5313 4980 • TEWANTIN - Tewantin Travel - 5447 1011 *Conditions apply: Prices are per person twin share based on lead category for each stateroom type in AUD unless otherwise specified. Prices correct as at 15 Jan 21 & subject to change without notice & availability at time of booking. Advertised prices inclusive of all discounts, taxes, fees & port expenses (which are subject to change). Supplements apply for other stateroom categories. Fares based on specific departure dates only. Higher fares may apply to other departure dates listed. Offer ends 02 Mar 21 unless sold out prior, valid for new bookings & not combinable with any other offer. Princess Cruises has set aside a reasonable number of staterooms which are available at these fares. Once these staterooms are sold, fares may vary. Some oceanview staterooms have obstructed views. Prices shown are Princess Savers fare which is cruise fare only without any inclusions. Option to upgrade to Princess Plus fare. Princess Plus fare is valid for the first 2 guests in the stateroom when booking select cruises 5+ nights and includes cruise fare packaged with Premier Beverage Package and WiFi. Premier Beverage Package applies to the first 2 guests in the stateroom when aged 18 years or over (21 years on some international voyages). Exclusions apply. Guests under legal drinking age will receive the Premier Coffee & Soda package. WiFi on Pacific Princess: the Premium PrincessCONNECT Internet Package applies & usage is unlimited across multiple devices in a stateroom (accessed through one device at a time only). All other ships: unlimited MedallionNet package applies, limited to 1 device per passenger.

Princess Plus fare does not apply by default to 3rd & 4th guests, they can choose to opt into the fare. +Stateroom Location upgrade is valid on interior, oceanview, balcony, deluxe balcony & mini-suite stateroom bookings only. Guest must book the desired grade at the time of booking. Offer excludes club class mini-suites & suites, & does not apply to land portion of land & sea holidays. ^Onboard Spending Money is per stateroom as marked on selected itineraries, is applied to the first two passengers in a stateroom, varies by stateroom type & voyage length & is not transferable, non-refundable, not redeemable for cash & cannot be used at the medical centre or casino. #Specialty Dining voucher offer allocated one per stateroom for selected cruises of 7+ nights & includes gratuities. Where applicable, guests receive a complimentary dinner for two in one of Princess Cruises’ onboard specialty restaurants. Restaurants vary by ship. Voucher will be delivered to your stateroom & is redeemable with the Maitre d’ at time of dining. Restaurant & reservation time will be assigned by Princess Cruises. Offer does not apply to special dining events or packages that take place in specialty restaurants, does not include beverages which are available at an additional cost & is non-transferable & not redeemable for cash. Princess reserves the right to substitute for onboard spending money of equal value which will expire if not used by 10:00 PM on the last evening of the cruise. Princess Cruises is assessing enhanced health & safety protocols, in light of COVID-19 & how they may impact future offerings. Actual offerings may vary from what is advertised here. Princess Cruises Book with Confidence policy: Book by 02 Mar 21 knowing you can cancel up to 30 days prior to sailing for voyages departing until 31 Dec 21, & receive your cancellation fees back as a Future Cruise Credit which can be used on any sailing that departs within one year of your original departure date, or 01 May 22, whichever is later. Further conditions may apply. Booking, credit card & cancellation fees may apply. ATAS No. A10430.

36.indd 2

28/01/2021 10:18:14 AM

TRIVIA

With Quizmaster Allan Blackburn

PUZZLE SOLUTIONS

1. Lake Wakatipu is in which country?

QUICK CROSSWORD

CRYPTIC CROSSWORD

2. What is the modern name of the bird formerly called a native companion?

3. Fortran, Pascal, Cobol and Basic are all types of what?

4. Which Australian tennis player is often referred to as “The Mailman”?

5. How many stars are on the flag of Japan?

6. Which car has a badge consisting of two overlapping Rs?

1 7 2 9 6 8 5 3 4

8 5 4 3 7 1 2 9 6

CODEWORD

6 3 9 5 2 4 1 8 7

3 6 5 8 9 7 4 1 2

9 2 1 4 5 3 7 6 8

7 4 8 6 1 2 9 5 3

2 9 7 1 3 6 8 4 5

4 1 6 2 8 5 3 7 9

5 8 3 7 4 9 6 2 1

WORDFIND Secret message: Presidents and prime ministers

F Z B HOMA L E G C D U

9-LETTER WORD

WORD STEP

2

1

17

18

19

20

21

22

23

24

25

26

Q V R J S P T YWK N I X 3

4

5

6

7

8

9

10

11

12

13

CRAMP, TRAMP, TRAMS, TEAMS, TEATS, TEXTS

cine, code, coin, coined, conduce, CONDUCIVE, cone, coned, conic, cove, coven, covin, deco, dice, dunce, iced, icon, induce, nice, novice, once, ounce, unvoiced, vice, voice, voiced

20. In a marriage, what item of jewellery symbolises everlasting love?

16

19. What kind of living thing is a pike?

15

18. What word describes a person who uses both hands equally?

14

16. What is the unit of currency of Canada?

17. What shape is in the centre of a standard Scrabble board?

7 2 8 6 3 9 4 1 5

15. In the Falklands War the United Kingdom fought which country?

1 6 4 5 8 2 7 9 3

14. What major line of latitude passes through Queensland?

5 3 9 7 4 1 2 6 8

13. What is the next biggest prime number after 97?

6 8 7 4 2 3 1 5 9

12. In Bingo, what number is called “the key to the door”?

4 5 1 9 6 7 3 8 2

11. Colloquially, what are “strides”?

3 9 2 1 5 8 6 4 7

10. What is the name of the Big Bash team based in Adelaide?

2 4 6 8 7 5 9 3 1

9. How many Best Actor Oscars have James Bond movies won?

SUDOKU (EASY)

9 7 5 3 1 4 8 2 6

8. Who was Lord Mayor of Brisbane before Adrian Schrinner?

SUDOKU (MEDIUM)

8 1 3 2 9 6 5 7 4

7. Which continent is west of the Seychelles Islands?

There may be other correct answers

1. New Zealand; 2. Brolga or Australian crane; 3. Computer programming language; 4. John Millman 5. Zero; 6. Rolls Royce; 7. Africa; 8. Graham Quirk; 9. Zero; 10. Adelaide Strikers; 11. Trousers; 12. 21; 13. 101; 14. Tropic of Capricorn; 15. Argentina; 16. Canadian dollar; 17. Star; 18. Ambidextrous; 19. Fish; 20. Eternity ring.

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37.indd 3

Kendall Morton Director February 2021 / YOUR TIME MAGAZINE 37

28/01/2021 10:18:31 AM

PUZZLES

CRYPTIC CROSSWORD

ACROSS 1 6 8 9 10 12 13 14 16 18 19 20

For each coin takes a long time to find its proportion (10) Consumer likes recipes or brews (7) Sounds like a vein of metal that one bears (4) Sounds like the prophet will burn (4) Is it the same before and after it’s burnt? (3) Went through water with me and the mystic teacher (5) New beginner involved in taking up yoga finds it a painful experience! (5) Half a cheer provides a bit of hope (3) Use organic soil and make a pet out of it? (4) Excessively dote on a quadruped of this colour (4) Bird that may give us legal advice (7) A treatise that the memory can’t integrate (10)

CODEWORD

No. 2570

DOWN 1 2 3 4 5 6 7 10 11 15 17 18

A metaphysical science developed by some rather holy hippos! (10) One of fifty two who can treat wool (4) A few amphibians make a nice start when cooking stew (5) Copies the way I leave sepia exposures from right to left (4) Disquietingly he indicated (rather wryly) groin injuries (10) Such fruit is the way to go when you’re very agitated (7) Dismissal of one’s morning lover perhaps (7) Tuneful music from Zaire? (3) Sounds like you’re trying to attract attention for the horse’s fare (3) Carefully glean a new perspective on things (5) Choosing a new mate on the side? (4) Puncture apartment (4)

No. 043

1

2

3

4

5

6

7

8

9

10

11

12

13

14

15

16

17

18

19

20

21

22

23

24

25

26

WORDFIND

Copyright © Reuben’s Puzzles www.reubenspuzzles.com.au.

Refer to the website for a cryptic solving guide.

Tamworth CMF Australia’s Largest Festival 50TH ANNIVERSARY 2022 JOIN THE FUN...

WORK IT OUT!

D U

The leftover letters will spell out a secret message No. 043

ARDERN

MACRON

CANBERRA

MAY

DEMOC-

MERKEL

RACY

OBAMA

ELECTION

POLITICIAN

GILLARD

PUTIN

GOVERN-

TRUDEAU

MENT

TURNBULL

SUDOKU Level: Medium

1

5 4 3

3 9

No. 866

6

9 7 5

2 1

7

6

7 3

9

2 8

5

1 8

5 3 7

1

Tamworth Country Music Festival Bus Trip 2021

The Great Western Play & Stay Musical Tour 2021…

Bus, Bed & Breakfast

M d 20/09/21 Monday to Thursday 30/09/21 Bus, Bed, Breakfast, Nightly Meals & Entertainment

$850

$2900 per person

Tuesday 18/01/22 to Sunday 23/01/22 TAMWORTH CMF 2021!

per person

11 Day Musical Tour with 12 Country/Western, Rock n Roll Artists. See the Outback like you’ve never seen it before!

For more information or enquiries please contact GREG & DONNA ROSS. PH: (07) 4129 7132 OR 0427 297 132 e: rossbuscharters@bigpond.com www.ganddrossbuscharters.com.au 38 YOUR TIME MAGAZINE / February 2021

38.indd 2

Sunshine Coast

28/01/2021 10:18:49 AM

PUZZLES

QUICK CROSSWORD

No. 3671

9-LETTER WORD

SUDOKU

No. 043

Level: Easy

Today’s Aim:

C U

13 words: Good 19 words: Very good

N

V

C

D I

26 words: Excellent

O

E

Using the nine letters in the grid, how many words of four letters or more can you list? The centre letter must be included and each letter may only be used once.

No colloquial or foreign words. No capitalised nouns, apostrophes or plural words ending in “s”.

WORD STEP

ACROSS 1 4 9 10 11 12 13 15 17 19 20 21 24 26 28

Entry (6) Grow rapidly (8) Collision of vehicles (5) Able (9) Leaves (5) Oslo resident (9) Flank (4) Tractable (6) Commercials (3) Video recorder (abb) (3) Expenditure (6) Small bit of land surrounded by sea (4) Alaska’s largest city (9) Weak (5) By law (9)

29 Humble (5) 30 Outfits for actors (8) 31 Counsel (6)

DOWN 1 2 3 5 6 7 8 10 14 16 18 19

Tolerates (7) Seat (5) Division (6) Labeller (5) Any place (8) Citizens of the US (9) Females with South American heritage (7) Associate (7) One of the two major US political parties (9) Visuals (7) Hawaiian capital (8) Definitive (7)

22 23 25 27

Very (7) Craven (6) Sundried brick (5) Baghdad citizen (5)

No. 043

No. 865

8

3 4 4 9 5 2 1 2 9 9 1 4 8 7 3 7 2 2

6 2 4 1 5 6 9

5 8 3 9 7 5

WORK IT OUT!

Complete the list by changing one letter at a time to create a new word at each step. One possible answer shown below.

CRAMP

_____ _____ _____ _____ TEXTS February 2021

David Wise Solicitor Retirement Village Lawyer Specialist advice for residents, former residents and prospective residents

Contract Reviews - Village Exits - Dispute Resolution Estate Administration - Discount Probate

0412 254 080 www.davidwisesolicitor.com.au Sunshine Coast

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