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In this edition
Feature: William McInnes ......................................Page 5 Wellbeing .........................................................Pages 10-11 Feature: Financial literacy ............................Pages 14-15 What’s On................................................................Page 16 Travel ................................................................Pages 17-19 Puzzles ....................................................................Page 23
Contact us Editor Gail Forrer firstname.lastname@example.org Media Sales Manager Kristie Waite email@example.com Now online Get your news online at www.seniorsnews.com.au Advertising, editorial and distribution enquiries Phone: 1300 880 265 or (07) 5435 3200 Email: firstname.lastname@example.org or email@example.com Location: 2 Newspaper Place, Maroochydore 4558 Website: www.seniorsnews.com.au Subscriptions Only $39.90 for one year (12 editions) including GST and postage anywhere in Australia. Please call our circulations services on 1300 361 604 and quote “Central Coast Seniors Newspaper”. The Seniors Newspaper is published monthly and distributed free in northern New South Wales and south-east Queensland. The Seniors newspaper stable includes Toowoomba, Wide Bay, Sunshine Coast, Brisbane, Central Coast, Northern NSW, Coffs and Clarence and Central Coast publications. Published by News Corp Australia. Printed by News Corp Australia, Yandina. Opinions expressed by contributors to Seniors Newspapers are not necessarily those of the editor or the owner/publisher and publication of advertisements implies no endorsement by the owner/publisher.
seniorsnews.com.au Monday, June 26, 2017
Celebrating sixty and what’s ahead
WELCOME to our June edition. This month our front cover personality is William McInnes, he’s certainly one bloke who hasn’t fallen for any anti-aging propaganda – well not that he’s telling us anyway. And why would he, he looks good to me. I recently celebrated a milestone – I hit 60, and I started to reflect upon how different turning 60 is for me, compared to my parents. For a start, my parents may have picked up several birthday cards from their letterbox while I received dozens of birthday greetings from my Facebook friends. I went out and listened to a band playing in a beachside café. The time of alfresco dining and a choice of bands playing at venues was still to come to Brisbane when my parents turned 60. A good friend presented me with a wetsuit and challenged me to join a group of ocean swimmers. I feel
FROM THE EDITOR’S DESK GAIL FORRER
Group editor Seniors Newspapers network
confident in saying this sort of gift takes the active aging philosophy to a whole new level. During the 1980s when my parents turned 60, life rolled on amidst clouds of tobacco smoke, news of Alan Bond, Robert Holmes
computer programs would shape our lives in so many ways. But, they had seen plenty changes and sensed more were on the way. As unique individuals, we all age in our own way, but perhaps I share with you the same source of wonder and a certain nostalgia when I look back on youthful photos. Certainly, my three sisters and I all experience similar feelings; we each marvel that we had no idea how youthful, fit,
Years ago, I was travelling in Cambodia and people were wearing t-shirts that said "Same Same – on the front, and ‘Something Different’ on the back. a Court and Bob Hawke. No one warned you that eating red meat more than three times a week could cause trouble, that electric cars were around the corner (let alone driverless cars) or that
stylish and pretty we were. Now we share a sense of humour about the fading, the fattening, the lining and leaning (really, what else can you do), while boldly waging war with an overflowing fountain of
potions and lotions. Years ago, I was travelling in Cambodia and people were wearing t-shirts that said "Same Same” – on the front, and “Something Different” on the back. I thought it was a rather apt summation of life. Perhaps too, for this edition, we have kept a consistent record with another month’s reading of inspiring personality stories, and our “Something Different” is the Financial Literacy feature. We have endeavoured to share very practical advice here – I hope you agree. This month highlights the problem of Elder Abuse, in our Talknthoughts section, I have written about a different aspect of Elder Abuse – Economic Abuse and how this often leads to homelessness. I hope we have given you plenty to enjoy, think about and perhaps even surprise. — Cheers Gail
Whale Dreamers flock to the festival in their honour Alison Houston
SOME ideas have so much heart that they take on a life of their own. The Whale Dreamer Festival, entering its 12th year on Sunday, July 2 is an example. Starting with a gathering of 150 like-minded people passionate about saving whales, the festival has attracted over 10,000 in recent years. And this year, there’s a little extra help for anyone finding it hard to make it up the hill to the Norah Head Lighthouse venue, with buses shuttling up and down the hill and picking up at the shops. Half the road will also be closed so people can walk more easily. Event organiser Colette Baron said despite the large numbers, the festival never felt overcrowded because there was plenty for people to do, including free whale talks, live music including Dr Good Vibe and Peter Healey and
Phil King, drummers, guest speakers and marine conservation displays, including Sea Shepherd, as well as for the first time, a children’s dress-up parade. The lighthouse is open for tours at a small cost and you can enjoy a fundraising sausage sizzle or food stalls and refreshments. And, of course, the whales put on their own show every year. “You can’t fail to smile when you see the whales and, because of the location, the whales come in quite close so there are plenty of sightings all day,” Colette said. “And they love the drumming – they often start breaching when the drums are playing.” The Whale Dreamer Festival began as a reaction to laws being considered that would have allowed Japanese whalers to take more humpbacks, despite numbers being down to 5000. “We started asking the
MAJESTIC CREATURES: Whale watching is a wonderful way to get up close to these beautiful animals. PHOTO: RAY ALLEY
question ‘what can we do?’” Colette said. Within six weeks, and with no money behind them, she and three friends had organised the first festival at Terrigal to share their passion for
whales and the marine environment, to raise funds, awareness and active participation in conservation and research projects about whales. “We never knew it would
grow into what it did,” Colette said. “It was just a reaction to something that was happening which we weren’t happy about.” She said those four initial friends (herself,
Nikki Freeburn, Jeannie Lawson and Roberta Dixon-Vaulk) had become even closer over the years, and remained as passionate as ever about the marine environment. “I think people really connect with whales, and this festival will always be about whales, but the ethos goes far deeper to the marine and wider environment,” Colette said. She said the fact that there was “hardly a skerrick” of rubbish to pick up at the end of events was evidence that participants shared their thinking. “We have arts and crafts free for kids but not general market stalls because we don’t want to diversify away from marine life and the environment, and sharing information. That’s our focus and we wanted to keep that integrity,” Colette said. The festival runs from 10am-2pm. To find out more, phone Nikki 0424 233 124 or Colette 0428 897 974.
Monday, June 26, 2017 seniorsnews.com.au
Film group looks beyond the big stars Alison Houston
SHE enters after the preview trailers, takes her seat – third row, centre – eases back and becomes one with the giant screen. She is Copacabana’s Elaine Odgers Norling, facilitator of the Avoca Beach Picture Theatre Film Group since 2005 and a film fan since the days of Bette Davis. While she is more than happy to discuss films after she has seen them, she “refuses” to go in with preconceived ideas. That means no trailers, no reviews and, if she hasn’t seen a film, she will excuse herself if you start talking about it. “I want to go in with a blank mind and see where the team who made that film take me – the cinematography, the direction and the script,” Elaine said. How these various elements and the music score are melded together is something Elaine said had always fascinated her. While good acting is important, unusually for a movie fan, Elaine has little interest in the actors themselves and what they have done in the past.
Rather, each movie is a piece of art in its own right. “I’ve always been a visual person and what’s more visual than a big screen?” the artist and award-winning photographer questioned. She fondly remembers being introduced to “alternative” films through the Sydney University Film Society in the late 1950s and in the late 1960s, before film festivals were the professional affairs they are today, working with the man now synonymous with Australian film critique, David Stratton, to choose films for the Sydney Film Festival. “We had a 16mm projector and a group of friends sat together and we gave each film five minutes and if enough of us put up our hand, it would be retained,” Elaine said. Having retired to the Central Coast in 1999, it didn’t take long before Elaine discovered her local cinema and was delighted at the range of non-blockbusters it showed. She joined the film group and, before long,
Elaine Odgers Norling with the film group.
she was the facilitator and regularly watches 200 films per year. She believes films have many purposes, whether it is like the recent Sense of an Ending or Things to Come, dealing with a slice of people’s lives to which others can relate, painting history in Churchill, bringing issues to light, like Spotlight, or making us consider the future, like Ex Machina. Her personal favourites include The Wizard of Oz, made in the year of her birth, 1939, and standing the test of time and, more recently, the intense French film The Wait, dealing with a woman’s grief at losing her son and, on a lighter note, Australia’s The Dressmaker, featuring the cinematography of Don McAlpine. The Film Group itself is about 250 strong, with an average of 20 at each discussion, and everyone’s ideas embraced. They see the first film of the day each Wednesday and Thursday (about 10am) and the $11 ticket includes a cuppa and a discussion. Elaine said she hoped the group encouraged people to see beyond the entertainment factor and look more deeply into film, as well as introducing films and genres people may not otherwise have chosen to see. Feedback, she said, included that the group had made the film more personal, allowed some to see a film from a different
TALKING MOVIES: Avoca Beach Picture Theatre Film Group leader Elaine Odgers Norling watches about 200 films each year. PHOTOS: DALE GRIBBLE
perspective and given single movie-goers the pleasure of discussing their experience. A political activist all her life, marching for feminism, against the Vietnam War and protesting Australia’s involvement in Iraq, Elaine said the important things to her beyond family and friends were “the sheer enjoyment I get working with community members to whatever end, and the joy of watching films and the discussion that comes from it”. For details, phone the theatre on 4382 1777 or contact Elaine at elaine. firstname.lastname@example.org.
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seniorsnews.com.au Monday, June 26, 2017
Look closely and read a photographer’s tale By Alison Houston
ROSIE Wood finds great photographic inspiration living on the Central Coast. But it is a photo of Sydney and a link with her past which won the amateur photographer overall second place in this year’s prestigious Exposure Photographic Prize from a field of 675 entries. Her piece, titled Strength, was entered in the A Picture Tells 1000 Words category. It is a photo of Anzac Bridge in Sydney. Rosie said she wanted to relate the pride and strength of the Anzacs with the towering strength of the bridge. “I lived there when the bridge was first constructed,” Rosie said, adding it had always fascinated her. “It’s an engineering masterpiece.
“It’s Australia’s longest cable-stayed span bridge. “I used to see it every day when I walked my dog and I still photograph it every time I go to Sydney for medical appointments.” She inverted the tones to give the structure added drama and “enhance its lineal geometry and capture the strength of the steel cabling”. In her accompanying written piece she stated: “The Anzac Bridge will long stand as a reminder of the courage and strength of those heroes after whom it was named”. Rosie was delighted to have another piece, Yarramalong Fog, featuring a fence weaving its way across the valley, into the fog-shrouded mountains, also chosen as one of the 145 photos exhibited.
INSPIRED: Rosie Wood rediscovered photography after retiring and has taken out second prize in this year’s Exposure Photographic Prize.
Having loved photography since her first Box Brownie as a girl,
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and developed her own photos in the 1980s before a busy life got in the way, Rosie said she had rediscovered the art in retirement, stimulated by “the paradise” which she says is the Central Coast. As well as the pure enjoyment of capturing a moment, she said it takes her mind off the pain with which she unfortunately lives these days. Her tip for better photos is to look at the big picture, the composition, angle, lighting and perhaps a little something – such as a bird in the foreground – which sets that picture apart and tells a story. This year’s first prize went to Gosford’s David Magro, for Field of Stars.
Second place winning photo by Rosie Wood: Anzac Bridge.
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Monday, June 26, 2017 seniorsnews.com.au
William McInnes gives us a taste of Aussie humour
SeaChange star talks about life’s ups and downs Gail Forrer
The multi-talented William McInnes has a particularly Australian take on ageing – he’s sending it up and out to sea! SERIOUSLY, Australian film and television actor and author William McInness makes and takes a very good joke. After recently re-watching “Dangerous Remedy” which featured his brilliant portrayal of a very nasty, corrupt Victorian cop, you could think otherwise. That particular show is about four years old, but I have to say that his more recent role as the selfish Matt Tivolli in The Time of Our Lives, kept up the mean theme. Still, as a journalist I’m rather fond of like-minded people and I couldn’t resist him as the feckless, thoughtful, sort of sensitive journalist in SeaChange, the huge success of this series, which ended 17 years ago, meant I wasn’t alone. Yes, William McInnes has been around a while. He’s 53 this year and with a self-effacing sense of humour accepts that his body has undergone certain changes. “You can’t hide what you are,” he says with a tinge of bravado. McInnes is a big fellow – 6ft 3” (190cm) and solid, he had the sort of build that has a propensity to grow larger with age... “I’m not getting into a wetsuit these days, I’m as big as a zeppelin,” he laughs. And no matter what anyone says, he’s not going the way of the facelift. Even when he runs into a couple of funsters at one his book-signing events. “What happened to you?” one lady asked the author. “You used to be so good looking.” “Well, I’ve gone down the river of life,” he replies.
Then, the lady’s mum chimes in: “Well you’ve gone right out to sea,” she retorts. He liked their straight- up sense of humour. Later on, he tells me, they all ended up sharing a cup of tea. This small encounter speaks volumes for his humour and also his appreciation of the authentic self. As one of Australia’s most successful actors, he hasn’t got any tickets on “hisself”. And that’s the sort of Aussie vernacular he uses to explain the world. He believes he gained sage advice from one of his lecturers at acting school. “He said to remember that acting was important, you were not.” McInnes has remembered that, anyway he reckons you wouldn’t last long if you weren’t the real deal. “You can tell a pompous arse a mile away,” he says. As a tail-end baby boomer, McInnes has chronicled growing up in Australia during the 60s and 70s. His books paint the backyard, the classroom, the dad who ran as the local Labor candidate along with the Queensland family life that included his four siblings. The books are popular, probably because of their honesty and down-to earth humour. For many they mirror their own lives. Besides, writing, acting and family life, McInnes says he takes an interest in civic life, because you get the politicians you deserve and sometimes that can end up being a load of “clowns running the show”. However, he acknowledges that hard work and discipline are qualities behind a good politician, many of whom work
long, hard hours. Yet, he recognises the necessity for every person to have access to health and education and knows that Australia is not perfect. In 2012, McInnes lost his film-maker wife, Sarah Watts, to breast cancer. These days he says he and the kids, now young adults, stick to an annual holiday as the time to process their loss and make more memories, But basically, his approach on life is very simple. “Don’t take yourself too seriously.”
INSET: Stars of the telemovie Dangerous Remedy (from left) Maeve Dermody, Jeremy Sims, Susie Porter and William McInnes. PHOTO: SUPPLIED BY ABC TV PUBLICITY WEBSITE.
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the best of life
seniorsnews.com.au Monday, June 26, 2017
70s happiest time to work Alison Houston
NEW research reveals that people aged over 70 are the happiest at work. The result will surprise many who see this as a well-earned time to put up their feet and relax, or just get off the treadmill and enjoy outside interests. But the report Happy workers: How satisfied are Australians at work?, conducted by Curtin University with Making Work Absolutely Human (mwah) and comprising 17,000 participants, reveals that while pay, job security and hours of work count, the job itself is paramount. “It’s what you do, how you are able to go about your work and who is
alongside you that matters the most when it comes to job satisfaction,” mwah CEO Rhonda Brighton-Hall told Seniors Newspaper Publications. Just over 60% of workers in their 70s (a sample size of 99) reported feeling very satisfied with their job overall, compared with only 24% of Gen Y, 28% of Gen X and 33% of Baby Boomers. Most workers in their 70s were working on a part-time basis – 70% part-time, 30% full-time. “Workers who continue on beyond the age of 70 are likely doing so not out of necessity but because they love what they are doing,” Rhonda said.
Without the stresses of raising a family, she said, many already had more free time and chose to continue working to “be productive and make a difference”. “We see ‘work’ as... the opportunity to use our hands, our minds, our strength, our creativity and sometimes even our hearts, to contribute to the community in which we live,” she stated. In some cases, she told Seniors, older participants had totally dismissed the idea of retiring, asking “Why would I retire, when there’s so much more to do?” “In short, they want to make a difference, and see their work as an important part of making
that difference,” Rhonda said. The fact that most of the over-70s worked part-time aligns with another of the survey’s findings, that satisfaction with hours of work increases up to 25 hours each week before dipping and rising again until it reaches 38 hours, after which it falls markedly. People who are able to do a little work from home each week tend to report higher levels of job satisfaction than those unable to do so. Baby Boomers (born 1946-64) report being happier working ‘for’ others in caring and community roles, or in the outdoors, such as agriculture. They prefer to work in small to
medium businesses rather than big ones, and the most important factors remain the type of work and who it is done with. In her foreward to the report, Rhonda stated: “We will spend a large part of our adult lives working – over 100,000 hours in some cases. So, if we will spend over 100,000 hours in some cases working, and almost one-third of Australians (29%) reported dissatisfaction with payment and working hours, what can businesses do to make workers happier? “When people feel valued, and included, they thrive, and give their best,” Rhonda said.
LOVING IT: Making Work Absolutely Human CEO Rhonda Brighton-Hall says over-70s are happy at work because they love what they are doing.
How would you make the world a better place? By Alison Houston
EVERYONE should have to write their own epitaph at about 50 years old to help them decide what they want to be remembered for. That’s just one of many ideas Xplore for Success founder and CEO Diana Ryall AM has to make this a better world in which to live, and to leave for our children and grandchildren. It’s this passion to make the world a better place which Diana said drives her and makes her one of the people over 70 who are Australia’s happiest workers. The managing director of Apple Australia from 1997-2001 and former head of Chief Executive Women’s Talent Development Program, (among many other accomplishments), said
she was fortunate to have always worked in areas she loved, from her earliest days as a computer science and maths teacher. She said she prized being part of the early days of the technological revolution and being at the forefront of supporting women’s push towards equality in the workplace. “My work is my passion,” Diana said. “That’s a true gift if you can work in something you love.” However, she is realistic that many people have to work at a job they may never enjoy simply because they need the money. Others are forced unwillingly out of their jobs due to age or workplace modifications, often due to technological change and redundancy. She said regardless of
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HAPPY: Diana Ryall AM has spent her working life doing jobs she loves. PHOTO: TIM LUMSDAINE
towards the young Caucasian male and old values of the five-day working week. “We need to truly embrace flexibility in our workplaces,” Diana said. She believes “an inclusive workplace culture would make gender diversity an issue of the past” and lead the
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way to a happier Australia. “If I can look at what I’ve achieved and say, I have paved the way and given a hand up to other women to be successful in the future, then that’s my legacy,” Diana said. Everyone’s legacy to future generations will be different, but whether it’s working for a cause,
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your job, it should not define your self-worth and you must have outside interests, whether family, environmental, sporting or cultural. “For me, every day is stimulating and inspiring. I love what I do, I just do it a little more slowly now,” Diana laughed. “One of the things that keeps me young and up-to-date is continuing to work and have that connection with people of different ages.” Her interest in gender equality has led her to look at other areas of equality, including the influence of race, disability, age and sexual identification in the workplace. While Australia has come a long way since she grew up under the White Australia Policy, she said there was no doubt a privilege bias remained
Monday, June 26, 2017 seniorsnews.com.au
A trail blazing nurse Tracey Johnstone
THIRTY-three years of delivering nursing and in-home-care services has prepared the team at Sue Mann Nursing and Community Care for the changes that are in place for consumer directed aged care. “It’s now an open market for providers. Undoubtedly, the more experienced and quality providers will outlast the fly-by-nighters,” founding director Sue Mann said. “We have processes and systems in place, and we are extremely confident.” Sue established the trailblazing business based on delivering client focused care and it has remained its focus since then. “I still love it,” said the nurse and industry pioneer. “I always had a vision of being a leader after being disillusioned early in my career with the hospital system.” With the assistance of her son Andrew, who came to SMNCC 15 years ago with a commerce and
law degree, the organisation has moved towards a state-of-the-art business to match its first-class client care. It’s the combination of Andrew’s and Sue’s skills, which work together “beautifully”, which has helped SMNCC to grow. The business has plans to open up a larger office as it rapidly expands off the back of the changes to Australia’s aged care and in response to its continuing solid reputation. SMNCC, which services NSW’s Central Coast, Hunter region and Sydney, has gained a large number of packages since the home care changes came into place at the end of February. Sue believes the increase in client packages is because Sue Mann’s stands out from the rest. She has set high standards for herself and her staff, and worked with her team towards achieving other key points of difference such as: ■ Having a very big group of registered clinical nurses to support
SMNCC’s nursing and community care services. “We can give a good assessment of the client to the GPs. As a consequence we have a great working relationship with the local medical practices,” Sue said. ■ Standing strong on professionalism in everything her staff does. ■ A long business history with a good reputation. Within the extensive list of services SMNCC provides its clients, there is the speciality area of palliative care with trained nurses and staff supporting a person’s choice to die at home with dignity. Another area of speciality for SMNCC is its staff’s expertise is providing wound care. “It’s about knowing the right products to apply to the wound and how to help the client holistically,” Sue said. Sue’s support for veterans and war widows comes from the very early days of her business. SMNCC now provides holistic support for about 250 veterans over a broad age range.
TRAIL-BLAZING: Sue Mann of Sue Mann Nursing and Community Care with a valued client Elma Browne.
She is proud of the high staff retention and of SMNCC’s program for training and developing the large workforce. It’s the team approach which is a key part of their success. “We are all part of the team from the people with a number of degrees to
the people who help support our clients in their home with cleaning,” Sue said. Home care packages are now a significant part of SMNCC’s business. With the consumer owning the package, the choice is the client’s to find a provider who
satisfies their needs. This will put a lot of pressure on the providers to deliver a quality product . “We welcome the changes that put clients at the centre of their own care – we feel we can provide our clients with the very best care,” Sue added.
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8 Seniors Central Coast
life & business
seniorsnews.com.au Monday, June 26, 2017
New word sums it all up: ‘Seniorpreneurs’ Yvonne Gardiner
A DESIRE to better protect elderly men and women living alone drives Irene and Ian Manson in their new business. Both aged in their 60s, the couple left a management rights business to set up CareCallingNow – a web-based enterprise that keeps in constant touch with those needing attention – nine months ago. Irene said vulnerable people on the call list for the daily “welfare check” could be disabled, elderly or post-operative. “All the info we need is their name, address and phone number,” she said. “We do one call a day at a pre-determined time. “It becomes part of the daily routine – basically a ‘hi’ and push a key, then the call is registered. “Because it’s a third party, it’s not so invasive.” If there is no response, CareCallingNow makes another two attempts to make contact before calling in someone who can go into the house and check on the person. “Whoever’s paying the bill will get a call or text, plus an email,” Irene said. “Three or four days is common to be on the floor if they have nothing in place.
FAST FACTS ■ The ‘Seniorpreneur’ trend is showing no signs of slowing, with 14,000 new businesses emerging from Australians over 60 every year. ■ Seniors are in the know when it comes to tech, with Aussies aged 50–65 years owning an average of five connected devices. “Our service is primarily peace of mind. “If you just save one person from dying alone and unnoticed, then we’ve done our job.” The online service is international, covering America, Australia, Canada and New Zealand, and operates from the couple’s home at Varsity Lakes on the Gold Coast. The Mansons are working with in-home care organisations to grow their business. As that happens, they will employ more semi-retirees. One of the motivations for starting the business was an experience with Ian’s mum, who was living alone. “We bought her one of those medical alert necklaces, but she refused to wear it,” Irene said.
PEACE OF MIND: Ian and Irene Manson are 100% committed to their new online business, CareCallingNow. PHOTO: YVONNE GARDINER
“She had a stroke and, even if she’d been wearing it, she was paralysed and couldn’t use it.” Irene said running a business via the internet allows the flexibility to work when they need to and to prioritise personal
commitments such as picking up the grandchildren from school. Ian is the “tech” wizard in the business, and admits that side of it is challenging. “I’ve always had an
interest in online. Our service is working so far, and so we’re happy,” he said. CareCallingNow is offering a free seven-day trial – go to www.care callingnow.com for details.
■ Seniors in Queensland take the lead when it comes to being motivated to start new businesses for stimulation, with about two-thirds (65%) agreeing this is a motivating factor, ahead of NSW (59%) and WA (52%).
Baby Boomers are now going online to earn an income TECH-savvy Baby Boomers are rivalling their younger counterparts as the most ambitious entrepreneur demographic. Seniors are recording more than double the start-up rate of their Gen Y counterparts, with an estimated 14,000 starting up new businesses last year. The nbn™ Silver Economy report reveals increased connectivity is helping redefine the ways seniors are spending their golden years, with two-thirds (67%) going online to earn an income. More than half (58%) are using the internet to pursue passion projects from home and more than a third (37%) are going online to connect with their volunteering community. La Trobe University
entrepreneurship professor Dr Alex Maritz says that seniors achieve higher business success rates than their younger counterparts. “One-in-three are serial entrepreneurs. They are less volatile, their ventures are more profitable, they invest in their start-ups with larger accumulated wealth and use their human capital to produce income for their own needs and benefit the overall economy,” he said. “With a lifetime of experience behind them, seniors are more capable of starting a business than their younger peers – having more developed networks, better business experience, superior technical and managerial skills and almost double the industry experience.”
TECH SAVVY: Baby boomers are rivaling their younger counterparts as the most ambitious entrepeneur demographic. PHOTO: DERRICK DEN HOLLANDER
Monday, June 26, 2017 seniorsnews.com.au
Kathy ageing energetically Ann Rickard
IN AUSTRALIA to promote her latest book Best Laid Plans, Australian-born British author Kathy Lette made sure her lipstick was perfect, her hair smooth and her smile in place as she entertained large audiences all over the country. A passionate feminist, she peppered her talk with jokes about women and their role in life (mostly putting up with men), and didn’t hold back on the bawdy humour. Her audiences really loved it. At 58, Kathy looks as
young as she did on her previous Australian tour in 2003. She says she is “not glamorous” and loves nothing more than to live in her Birkenstocks, but it certainly belied the vision of her strutting in front of the microphone in a tight mini dress with hot pink heels. We asked her some questions about ageing so energetically and she replied in her peerless style. You are a passionate feminist and yet love make-up, perfume, bling – thoughts on the two going together
hand-in-hand? There is nothing wrong with being a feminist who likes to stand on her own two stilettos. Feminism can also be about being feminine – if that floats your style boat. My fashion tends to be a little tongue-in-chic though. What do you think is ahead for today’s women of a certain age? For women, life is in two acts. The trick is to
survive the interval. For the first time, women have their own money, own independence, plus HRT. Now that the President of France, Macron, is married to his former school teacher, well, older women have come into our own. What should the mature women be aware of, for example, like your daughter said, skirt (length) should match the face?
Don’t use Botox or have face-lifts – men should just learn to read between our lines. I’m against cosmetic surgery. My mother told me never to pick my nose, especially from a catalogue. Just get a dimmer switch – greatest beauty aid known to womankind. Any tips to keep us relevant into our 60s, 70s, 80s and well beyond?
Walk on the wild side occasionally – and by that I don’t just mean bushwalking. Yes, exercise is important, but I also mean swinging from a chandelier occasionally with a toy boy in one hand and a cocktail in the other. Fun is the best beauty aid. And laugh a lot. Laugh and the world laughs with you – cry and you get salt in your martini.
Find the help you need with BUBBLY: Kathy JOHNSTONE
If you’re ﬁnding it harder to do the things you used to, you might need a bit of support at home. The Australian Government’s phone line and website can help you to:
Access services to support you with:
Find information in one spot on:
• Diﬀerent types of services
(e.g. appointments and activities)
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• Modiﬁcations to your home (e.g. hand rails, ramps)
• Nursing and personal care
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• Your eligibility • Your contribution to the cost • Organisations that provide aged care
Connect with on www.myagedcare.gov.au or call 1800 200 422 *1800 calls are free from land lines; calls from mobile phones might be charged.
Kathy Lette with celebrity chef Peter Kuruvita.
Authorised by the Australian Government, Capital Hill, Canberra
10 Seniors Central Coast
seniorsnews.com.au Monday, June 26, 2017
Sleep at night with these tips SLEEP, blessed deep sleep can be harder to get as we grow older, so where do you turn to for some simple, inexpensive ideas to improve your sleep pattern? As we celebrate this week, Sleep Awareness Week, health psychologist Moira Junge from the Sleep Health Foundation offers tips on how to slip into a better night’s sleep. Keep a regular sleep pattern ■ Try to go to bed and wake up at about the same time each day. Aim for seven to nine hours sleep ■ On average, adults benefit from seven to eight hours sleep each night. ■ People who sleep less than six hours regularly or
more than nine or 10, are associated with illnesses. Keep technology out of the bedroom ■ The blue component of light suppresses melatonin which is the hormone which is needed to regulate and instigate sleep. ■ Avoid too much stimulation from about 8pm and onwards when the melatonin is meant to be naturally rising. ■ Turn it off so your brain can think about sleeping at this time. Relax for at least an hour before going to bed ■ Reading, talking with partner, listening to quiet music, doing yoga, meditation and stretching are all good ways to relax. ■ Watching TV across the room is better than a TV that is right up in front of
your eyes. And, try to avoid stimulating viewing. Be comfortable in bed ■ Ensure your bedroom has a comfortable temperature, you are going to sleep on a good mattress and you are feeling safe in your environment. Avoid caffeine, cigarettes and alcohol just before bed ■ Avoid consuming stimulants before going to bed. ■ Moderate your caffeine drinks and try not to drink coffee after lunchtime. ■ Drinking alcohol close to bedtime can be stimulating and consequently fragment your sleep. ■ Nicotine is also considered a big stimulant for sleep disturbance. Limit the amount fluids
SEEKING SLEEP: Learn how to sleep just a little better each night.
you consume before bed ■ It’s very individual as to a person’s bladder capacity, but as a helpful tip, avoid drinking a large amount of fluids close to bed time, no matter what age. ■ Calming drinks are not bad for you, but they are not strong agents for anxiety and
sleeplessness. Don’t eat just before going to bed ■ Try to avoid a large amount of food for up to three hours before going to bed. ■ Eating can wake you up as your stomach works on digesting a meal. Enjoy natural light during the day
■ During the day time, try to get as much natural light as possible, to suppress melatonin which you don’t want during the day. You only want it at night to help you get to sleep. If these tips don’t help with your sleep pattern, then see your GP for further assistance.
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Monday, June 26, 2017 seniorsnews.com.au
Big crowd steps it up By Alison Houston
THERE’S an addition to last year’s breakthrough success, the Lighthouse 2 Skillion Coast Walk, with a 16.5km route added to the more challenging 27.5km original. Organiser James Musgrave said the shorter walk, to start at Memorial Park, the Entrance, was aimed particularly at families with younger children, and the older generation. It cuts out a large sandy section from Soldiers Beach to North Entrance which can be hard on younger legs and older hips. “We know there are possibly hundreds of people who would like to have walked last year but simply couldn’t make the full distance,” Mr Musgrave said. That’s not to say that there weren’t a lot of over-55s up to the original challenge of walking from Norah Head Lighthouse to The Skillion at Terrigal, with 90 of last year’s 2057 participants in that bracket, and the oldest finisher being Dennis
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Hewitt at 76. The event started – as many things do these days – with James forgetting to press the privacy setting on Facebook when he suggested to friends that they do the walk together as an informal surf lifesaving exercise. Within two weeks, 600 people had said they were interested in taking part. “What started as a hike for 50-100 friends and friends of friends quickly took on a life of its own,” James said. While this year’s event on Sunday, July 30 hasn’t had the same remarkable take-up rate as last year, over 540 had registered two months out. Only 20 people who started last year’s walk didn’t make it to the finish, but James said it was important for anyone thinking of taking part to do some training first. “It’s really important to do some walking on the sand beforehand because it’s very different to just going for a walk down the street,” James said. “The sand is uneven, it gives under you.”
WORTH THE WALK: Fantastic views, funds for charity and a challenge accomplished, the Lighthouse 2 Skillion Coast Walk has it all, as these walkers found last year.
The real challenge, however, was not how strenuous the walk was, but the time it takes. It took the average walker 6.5 hours to complete the challenge last year, including stops for food, selfies and whale-watching. Charities received $50,000 in fundraising and surf clubs along the route received about
$2000 each, with participants asked to bring eight $2 coins to drop in club buckets as a thank you for water and providing safety and first aid where necessary. Participants are also encouraged to start their walk in a new tracksuit or hoody which they can take off as it gets warm and leave at one of the surf clubs for Coast Shelter to
pick up. Last year the charity received 800 items of clothing. “They’re bringing a bigger truck this year,” James laughed. For those who make it to the end there will be a surprise musical tribute to go along with the medal handouts presented by the Terrigal nippers. Entry is $59 for the full trek and $55 for the
16.5km challenge and includes a walk t-shirt, race bib, water refills at the surf clubs and a medal or dog tag for finishers. Money raised goes to Westpac Rescue Helicopter, Coast Shelter and Surf Life Saving Central Coast. For details go to www.lighthouse2 skillioncoastwalk.com.au.
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12 Seniors Central Coast
seniorsnews.com.au Monday, June 26, 2017
A sleepless runner explores the limits of her endurance JOURNALIST ALISON HOUSTON IT TOOK 24 hours and 28 minutes, but 66-year-old Judy Murray successfully completed the internationally renowned 100km Ultra Trails Australia race last month through rugged Blue Mountains terrain. Described by another participant as “worse than childbirth”, the Terrigal Trotter said she was amazed to have not just completed the course but to have finished second in her 60-plus age category. Over 200 of the roughly 1000 people who started didn’t make the end, with the last person being pushed up the final steps at 11am. Judy had finished at 7.30am. The first male home took just 8 hours 52 minutes, the first woman 10:52:35. “I went into it saying I’ll just go as far as I can,” Judy said. She had no sleep throughout the race, which included a rope ladder descent down a cliff face, with her longest break being just 30 minutes. Her strategy was to eat and drink every 30 minutes and to keep moving, whether it was running, power walking or just walking.
It’s an amazing feat for a bushwalker who only became interested in running about eight years ago to improve her fitness for an Everest Base Camp walk. She reckons she’s probably got a bit of the adventurer in her, with her great uncle Frank Wild having been right-hand man to Shackelton in his Antarctic expeditions. But it all started simply with Judy’s son suggesting that instead of just listening to everyone else talking about races at Trotters training she should “give it a go”.
I’m still quite amazed that I did it. It’s still surreal. She did, running the 12km Bay to Bay in 2010, and in 2011 exceeding all her expectations by gaining a podium finish in her age group against people who had been running for years. That gave her the taste for her first Sydney Half Marathon, at which she just remembers thinking “it has to end soon”. But the following year she came third in the Bay to Bay Half Marathon, and that could lead to only one thing – a full marathon, this time in Canberra, running with her son. Ultra-Trail’s North Face 50 in 2014 was next in the build-up, followed by
Judy is always ready to have a go.
NEXT STEP: From Mt Everest Base Camp, to Antarctica, running New Zealand’s trails to a 100km Ultra Trail through the Rugged Blue Mountains, Judy Murray’s philosophy has simply been she’ll give it a go.
the 62.9km Tarawera Ultramarathon in New Zealand this February. It all takes a lot of training, including three runs a week – one short hill or stair repeats and the other two longer runs. In the lead-up to the 100km Ultra, her longest run was 50km. She also does yoga most days, which she said improves her flexibility and prevents injury, and takes part in two seniors weights classes each week. As well as loading up on
carbs in the lead-up to long events, Judy get lots of sleep, going to bed at 7.30pm in the lead-up to the 100km Ultra to “bank sleep credits”. “It must have worked because I didn’t become fatigued at all – never hit a negative space,” Judy said. “I was quite surprised I had the endurance.” Running in the dark, Judy said, was not daunting but an unforgettable experience, with fluoro strips placed in the trees and along the
trails and a ribbon of other runners in fluoro vests ahead. “At the 78km checkpoint I knew I was going to finish, so it became really exciting. I just knew I was on my way to the finish line,” she said. Waiting to congratulate her as she ran across the finish hand-in-hand with another woman (in her 40s) whom she had met as part of the race and run the last 20km with, were her partner, son and a group of Trotters.
“I fell apart then,” she admits. “All the tears came.” As for her next challenge, Judy is unsure, but said she would not return to the Ultra. “I’ve ticked that box,” she said. “It’s the toughest thing I’ve ever done but I didn’t have any problems and I had a really good experience. “Next time it could all go pear-shaped. “I’m still quite amazed that I did it. It’s still surreal.”
Judy’s great uncle Frank Wild was right-hand man to Shackelton in his Antarctic exploration.
Monday, June 26, 2017 seniorsnews.com.au
Manning up with style Tracey Johnstone
SALLY Mackinnon, a Melbourne-based men’s stylist, knows what men need to do to stay stylish this winter. She has a list of easy style tips that are very practical for men over 50 whether they still working or retired and looking to dress for a more relaxed lifestyle. “Men’s fashion doesn’t change as frequently as women’s,” Sally enthuses. “Without a doubt, the cycle of change is a lot slower so you see a lot less change season to season. “It’s a good thing for men as the same sort of things come around each winter season. “Investing in some classic pieces that are good quality and if you look after them, a guy can have things in his wardrobe for many, many years because he is not faced with ‘next season this is not in fashion’ type problem.” Sally’s top winter tips are: Best colours ■ Navy and grey are always very popular throughout the year, and
remain welcome colours in winter. ■ Deep burgundy red complements the navy and grey and adds a little bit of warm colour to the wardrobe. Fabric and patterns ■ Keep the separates choices classic and tailored, such as trousers, jumpers and shirts. ■ You can have a lot of fun with outer garments like coats and blazers. ■ There are a lot of great checked, plaid and Prince of Wales blazers and sports jackets around. Jumpers ■ Knitwear is a great staple item in winter. ■ There are some shawl-collar jumper or button-up turtle neck ones around, that can be worn open with a collared shirt, and worn with a casual work outfits or with jeans. Shoes ■ In the higher-end stores you will probably see shoes with velvet accents. ■ Men are experimenting a lot more with shoe design and colour. It’s a great way to bring a bit of interest to an outfit which is mostly classic. ■ On-trend colours are chestnut to chocolate
MEN’S STYLING: Styling by Sally’s Sally Mackinnon shares her tips for men’s winter dressing.
brown which go with just about everything from classic to informal wear. ■ In nubuck and suede, there are navy shades. Jeans ■ Men’s styles are a lot more tapered that they used to be, including in jeans. ■ The most modern cut
for any man of any age is a slim leg. ■ Out are boot cuts and wide, baggy legs. Accessories ■ Men are becoming more discerning with accessories. They are wearing interesting cuff links, adding in a pocket square to their jackets or
a tie pin. ■ Patterned socks are in fashion. ■ It’s those little details that are taking men’s outfits to the next level. Grooming ■ Facial hair is still on-trend. ■ A well-groomed man with a well man-scaped
beard and moustache can look very sophisticated. ■ Choosing your hairstyle and your glasses should be about the shape of your face. To follow Sally Mackinnon’s style tips or get some online advice from her team, go to www.styledbysally.com.au.
Words of wisdom: stop tapping your teeth SNAPSHOTS OF LIFE ANN RICKARD email@example.com
HANGING on to all your teeth until your dying day is a big one. Fortunately, our grandchildren, won’t
have the problems we did in our youth and will almost certainly be able to keep all their teeth into old age. I grew up in the era when a visit to the dentist either meant an extraction or a hole the size of the Grand Canyon drilled into a tooth which was then filled with poisonous silver amalgam.
Now my grandchildren find my fillings a source of “have-to-look-trainwreck” horror. Every time they come close for a cuddle they ask me to show them my “yukky, gross” fillings. I show them. It’s the perfect warning for them to pay attention to their oral hygiene. I do have all my own teeth and I’m not
giving any of them up ever. On my last dentist visit I was delighted to come out of the chair without having to suffer any treatment. “It’s all about the environment you keep your teeth in,” my dentist told me and while I have been diligent about teeth cleaning all my adult life I have never considered
their environment before. I think my dentist meant, regular cleaning, conscientious flossing, consistent mouthwash and using those little stick things to harden the gums. “And don’t tap your teeth,” the dentist told me as I was about to depart. Eh? Tapping the teeth? Who does that?
Later I thought about it while I was tapping my teeth. It occurs usually when I am at the computer. I had not been aware of it before but now I am. Now that I have pointed this out to you, it’s likely you will become aware of your own teeth tapping. If so, stop it. Now.
Managing the ageing process Tea and Technology for Seniors ACTIVE AGEING DR ALEX McHARG PhD HI, IT’S me, Dr Mac. The beginning of the new financial year beckons and should be a time to reflect on not only money matters but also health and lifestyle. In this respect the term status quo comes to mind, which is an emotional bias; a preference for the current state of affairs. In other words, we tend to oppose change unless the benefits outweigh our
current perception of what would be better for us. The trap to avoid as we age, is continually drawing on past events and situations without the addition of revised and new ideas to address new challenges. When you challenge the status quo, it means that you establish the potential to identify new and better ways of doing things on behalf of any endeavour. An acceptance of the status quo can have serious consequences for dementia-type conditions by not accessing new information and drawing out ideas to stimulate brain and associated
activity. This leads to indecisiveness, indecision and lack of action, continual engagement and drawing from past situations and events which can negatively influence involvement in current term situations and relationships. Your positive cognitive development relies upon a whole range of inputs including verbal narratives, body language, diet, exercise and social connectedness. It also means that you add real value, and that’s the very basis for successfully a managing a fundamental part of your own aging process.
THERE will be a Tea and Technology for Seniors morning at the Toukley Senior Citizens Club on Friday, July 21 from 9.30am-12.30pm. ■ Do you have questions about iPads and apps? ■ Would you like to learn more about the internet and how to find things? ■ Do you want to find out more about using My Aged Care? Come and join us for a relaxed free event to learn more about technology – bring your own iPad, smartphone or tablet. You will also learn more about YourLink, an award-winning free app developed in NSW for seniors to stay in touch
with family, friends and the local community. The event is free, and includes morning tea.
Early registration is essential. For information, please phone 1300 578 478.
14 Seniors Central Coast
seniorsnews.com.au Monday, June 26, 2017
FINANCIAL LITERACY FEATURE
Are tax returns really needed? Q: I HAVE been retired now for nearly 20 years and widowed. I receive the Age Pension and dividends from a small share portfolio. Do I have to lodge a tax return? I don’t generate sufficient income to pay tax. I have previously lodged tax returns via an accountant to get a refund on the franking credits on my share portfolio. Is there a simpler way? Andrew Heaven, an AMP financial planner at WealthPartners Financial Solutions, answers a question on Age Pension tax offset. A: Retirees who are eligible for the Seniors and Age Pensioners Tax offset (SAPTO) and have rebatable income of less
than $32,279 as a single (or $28,974 each if a member of a couple) are not obliged to lodge an annual tax return provided they meet these criteria and do not have the following circumstances. You would be obliged to continue to submit annual tax returns if any of the following circumstances apply: ★ You receive income as a Pay As You Go employee where tax was withheld ★ You received reportable fringe benefits in the financial year ★ You carried on a business as a self-employed person ★ You received a distribution from a trust ★ You received income from foreign employment,
investments or pensions ★ You have not claimed your Private Health Insurance Rebate and wish to do so ★ You wish to claim tax deductions for donations or eligible expenses ★ You have made a capital gain in the current year or a loss in this year or earlier years that you wish to claim ★ You own foreign assets worth more than $50,000 in Australian dollars ★ You wish to claim tax deductions for donations or eligible expenses. You have made a capital gain in the current year or a loss in this year or earlier years that you wish to claim ★ You own foreign assets worth more than $50,000 in Australian dollars.
Other criteria requiring a tax return to be lodged would be if you made a personal contribution to superannuation and you are entitled to claim a tax deduction or receive the government co-contribution (for those under 71). If you have received an Australian superannuation lump sum where there was an untaxed component or you received a lump sum death benefit paid to you as a non-dependent. Assuming that you do not fall into the above category and your income falls within the SAPTO limits, then you would not need to lodge a tax return. Dividends paid to shareholders by Australian resident
companies are taxed under a system known as imputation. This is where the tax the company pays is imputed to the shareholders. The tax paid by the company is allocated to shareholders as franking credits attached to the dividends they receive, typically the tax credit is 30%. If you are not required to lodge a tax return, you can claim a refund of the franking credits by lodging an ATO application for a refund of franking credits for individuals. You can lodge the form online, via www.my.gov.au, complete a paper form and submit the records over the phone or via post direct to the ATO in your
capital city. Applications forms for the 2017 tax year will be available after June 30. Processing of the refund typically takes two weeks for online or phone claims. Paper based applications will take up to 50 days to process. Visit www.ato.gov.au for further information or phone the ATO on 132 865. Q&A with The Coach story first appeared on the WealthParners website. General advice in this story doesn’t account for personal situations. objectives, financial situation and needs. For information from Wealth Partners visit the website www.wealth partners.net.au.
A money management tool to help you navigate your way been adapted to suit online with the Money Minded website helping users to create a budget, work on reducing debt or start saving, and develop good financial skills along the way. “It’s not linked to any products or services that ANZ has. The only thing we ask people to do is register with an email address so that we can keep in touch with who is using the program.” The face-to-face program and online activities are available to anyone, not just to ANZ customers. There are eight activities to be worked through. Users can save their progress if they want to stop at any time or come back and change some of the information they have used.
ONLINE HELP: ANZ’s Money Minded website has been created to help you build your skills, knowledge and confidence.
The activities are: ■ 1. Know yourself – discover your attitude to money ■ 2. Spend wisely – identify needs, wants and spending leaks ■ 3. Clarify your goal – set smart goals ■ 4. Plan your spending –
get started with budgeting ■ 5. Bank smart – get the right bank account ■ 6. Avoid dangerous debt – understand credit files and types of credit providers ■ 7. Watch out for credit cards – manage your credit card
■ 8. Plan for your future – get the most from your superannuation A user can choose any one or all of the activities they want to do and then complete them at their own pace. If a person doesn’t own a computer they can
access the Money Minded website through one at their local library or retirement village recreation room, or attend a Money Minded workshop, or even organise one for themselves and their friends at no cost by sending an email request to moneyminded@ anz.com. Ms Commandeur said all the information entered into an activity remains confidential and contained within Money Minded. Once a person has completed the Money Minded activities, and depending on each person’s situation, the next step may be for them to talk to a financial advisor at their own bank. For more information, visit the website www.moneyminded. com.au.
Read past editions and more Seniors News on our website – embracing ageing. Visit www.seniorsnews.com.au
MOST of us struggle from time to time to manage our money, so when a free and easy-to-use tool comes our way, it’s well worth checking out. ANZ’s Money Minded is a free, easy to use, online money management website. “ANZ has invested in financial literacy for many years, working on programs in the community,” ANZ senior manager of financial inclusion Michelle Commandeur said. “The programs are designed for people to build their money skills and confidence. “We have worked with the Smith Family and Benevolent Society NSW, and others who deliver face-to-face Money Minded workshops.” The basic face-to-face financial program has
Monday, June 26, 2017 seniorsnews.com.au
FINANCIAL LITERACY FEATURE
Steps to protect a Self Managed Super Fund FINANCIAL coach Andrew Heaven answers another of the many SMSF questions of what to do before July 1 , 2017, particularly for high-end super savers. Q. I have a selfmanaged super fund (SMSF) with my wife. The assets of the fund are approximately $2.1 million. My wife’s super account balance is around $420,000 and my pension balance is $1.68 million. I am 64 and my wife is 61 and we continue to work. As I exceed the $1.6 million transfer balance cap, what do I need to do before July 1, 2017? A. With just under six weeks remaining before the new rules come into effect, there are a range of important steps that you, as trustees of your SMSF, will need to take. You will also need to have a clear understanding of what is in accumulation and pension phase for you and your wife for both income and capital gains purposes. Within your fund pension and superannuation accounts, you will be obliged to apportion income on the fund using the “proportionate method” to calculate and differentiate exempt pension income from income earned on funds in the accumulation phase. You need to consider and decide when and if you wish to apply the new capital gains tax relief provisions. Under the super
WEALTH SOLUTIONS: AMP Financial Planner Andrew Heaven of Wealth Partners Financial Solutions.
changes, complying SMSF are able to reset the cost base of investment assets to their current market value where those assets are reallocated or re-apportioned from the
I have a Self Managed Super Fund (SMSF)... what do I need to do before July 1 2017? retirement phase to the accumulation phase before July 1 to comply with the transfer balance cap or new transition to retirement income stream arrangements. Where the assets of
your SMSF are partially supporting interests in the accumulation phase, tax will be calculated on this proportion of the capital gain that is not in pension phase on June 30. While the capital gain needs to be identified, any tax liability will be deferred until the asset is sold. There are two methods of allocating assets in a member’s pension and superannuation accounts within an SMSF – segregation or proportionate method. Segregation means that a specific investment asset is allocated to supporting specific pensions and/or superannuation accounts. Proportionate method means that the asset is owned by the SMSF as a whole and the value is
proportioned on a percentage basis between the pensions and/or superannuation accounts. CGT relief on the assets of the fund applies differently and is subject to different rules depending on whether the super fund uses the segregation or proportionate method. The relief conditions apply to both methods provided action is taken between November 9 last year and June 30 this year. This applies to all assets in a complying SMSF held throughout that period. If a super fund wishes to apply the relief, they must make this choice and notify the ATO on or before the day the trustee is required to lodge the fund’s 2016–17 tax return. A choice to apply the relief cannot be revoked. Seek advice from your Accountant and your financial planner now. Ensure you comply with the changes and ensure you have all your valuations, reporting and documentation up to date. Q&A with The Coach story first appeared on the WealthPartners website. Any general advice in this story doesn’t take account of your personal situations, objectives, financial situation and needs. For more information from Wealth Partners, visit www.wealthpartners. net.au.
Shares and dividends
THINK MONEY PAUL CLITHEROE IF YOU own shares you probably enjoy receiving regular dividend income. However, if you don’t rely on those dividends for cash to live on, one way to get more value from the money is through a dividend reinvestment plan. Dividends represent the slice of a company’s annual profit that’s paid out to shareholders, and in the case of some of our best known listed companies, dividend yields can be impressive. This year for instance, Commonwealth Bank shares delivered a dividend yield of 4.85%, Telstra 7.28% and Wesfarmers 4.57%. That’s considerably higher than the return you could earn on cash savings. Strong yields are only part of the picture. Dividends are also lightly taxed. Shareholders are credited for company tax paid on the profits that dividends are paid out of. Even low income earners can benefit with the potential to receive a tax refund for unused franking credits. If dividends don’t play an essential role in your household income, it’s possible to reinvest the money through a dividend reinvestment plan (DRP). Instead of receiving a cash payment, the dividend is exchanged for additional shares, typically at the market value applying on the date the dividend is paid. A number of Australia’s largest companies offer
DRPs including Telstra, NAB, IAG, Suncorp, AMP, Origin Energy and Rio Tinto, and there can be advantages to using dividends this way. There can be downsides as well. To read the full story, visit seniorsnews.com.au. First, it’s a simple way to avoid brokerage fees, and shareholders may also be entitled to a discount on shares purchased using a DRP. Woolworths for instance offers a 1.5% discount through its DRP. On the downside, even if dividends are reinvested into shares, the money is normally required to be treated as a cash payment and declared in your annual tax return. Shares acquired through a DRP are also subject to the same capital gains tax rules as shares purchased in the normal way. So a DRP is not a way of trimming your tax bill. Note too, each DRP share purchase will have a different acquisition price and date for CGT if and when you sell, so do keep good records of each reinvestment. A DRP can be a set and forget way to invest without concerns over market timing. But it can also mean building a substantial holding in one particular company over time. This being the case, only sign up for a DRP if you believe the company has strong prospects for the future. It also pays to regularly review your involvement in a DRP. Paul Clitheroe is a founding director of financial planning firm ipac, Chairman of the Australian Government Financial Literacy Board and chief commentator for Money Magazine.
Get excited for July! Be sure to check back in with Seniors in July as we look at the latest in housing trends, investigate reverse mortgages, and set out to chase the sun with holiday destinations designed to help our readers to beat the winter blues. On the health front, we talk flu shots and herbal winter remedies, while at home in our living section we’ll find out how to keep our homes healthy and tidy to keep those
Pick up your free copy of the July edition at your local stockist or read online at seniorsnews.com.au LiViNG + MONEY + WELLBEiNG + TraVEL
winter germs at bay.
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seniorsnews.com.au Monday, June 26, 2017
What’s on Your list of events in local area JOURNALIST ALISON HOUSTON
A WORKSHOP at Erina Library aims to help those not yet “in the know” discover the joys (or otherwise) of Facebook and tweets. Presented by a TAFE NSW teacher, the workshop aims to “demystify social media for beginners”. It’s on Wednesday, June 28 from 10am-noon. Phone 4304 7650 to book.
INTERNATIONALLY renowned children’s and adult’s author Kate Forsyth is speaking at Kincumber Library on Tuesday, July 4 from 6–7pm. Recently voted one of Australia’s favourite novelists, her most recent book for adults is an historical novel, The Beast’s Garden, based around the Brothers Grimm version of Beauty and the Beast and for children, the series The Impossible Quest. Doors open 5.30pm. Phone 4304 7641.
OWLS IN THE SPOTLIGHT
CALLING bird and
art-lovers and conservationists: the Art House Wyong is Bringing the Birds of the Night into the Light in an exhibition from July 7–30. This is a unique exhibit including the sounds and images of the threatened powerful, barking, grass, masked and sooty owls. Learn how to help these birds and register for one of three free presentations by Wildlife ARC (Animal Rescue and Care) and the artists, Marta C. Lett and Therese Gabriel Wilkins. Email firstname.lastname@example.org .au or marta.lett @gmail.com.
POINT CLARE CAR BOOT MARKET
ON THE second Saturday of each month, including July 8, the Point Clare Car Boot Market is a chance to browse through a diverse range of collectables, vintage and second-hand items as well as home-made produce at Fairhaven, 209 Brisbane Water Dr.
CHARITY COMEDY SHOW
THE Stand Up for our Soldiers charity comedy showcase on Thursday, July 13 at Gosford RSL supports Soldier On, which helps men and women physically or
Go to www. thearthousewyong. com.au.
WINE, CHEESE AND ART
LEGENDARY: Geoff Harvey was music director at Channel 9 for 38 years, gave us the theme song to The Sullivans and is renowned for his days on The Midday Show through to 1999.
psychologically affected by their defence service for Australia. The show is headlined by Matty B and includes Michelle Betts and the UK’s Christian Elderfield. Tickets are at the club or online at www.standup4soldiers. com.
CHRISTMAS IN JULY
YOU’LL think all your Christmases have come at once with Christmas in July at Wyong Race Club on July 13 and 14. Enjoy lunch on Thursday, including free entry to the Wyong Race Day, or dinner Friday, which will live
music from Open Fire. Call 4352 1083 or go to http://wyongraceclub. com.au.
AND THEN THERE WERE NONE
AGATHA Christie’s murder mysteries really are ageless and from Friday, July 21 to Saturday, July 29, Coast Theatre Company is presenting And Then There Were None. Ten guests arrive to dinner, each with their own secret, but who will survive? To check times and dates go to www.thearthousewyong.
THE GEOFF HARVEY SHOW
NOW here’s a throwback to days gone by, former Midday Show maestro, veteran composer and grand piano virtuoso Geoff Harvey is playing a matinee at the Art House Wyong at 11am on Wednesday, July 12. Joined by the voices of various friends, he will play Frank Sinatra classics to favourites from The Music Man and timeless Andrew Lloyd Webber standards.
EACH July The Bays hosts a Wine, Cheese and Art Evening and exhibition and invites artists from the peninsula to display their work and a chosen winery to share wines and information. The standard is always high and has included work accepted for The Archibald Prize. This is a three-day event from the evening of Friday, July 21 through to the two days of exhibition, finishing on the Sunday. It’s all at The Bays Community Hall. To find out more call 0409 302 102 or go to www.thebayscommunity. org.
CRACKNECK Lookout, in the southern section of Wyrrabalong National Park, is a great place to go whale watching. It’s easy access, so grab your binoculars to see them at their tail-slapping, breaching best. Views are over the Entrance and Shelly beach, so bring a picnic and your camera. You can wander on to The Coast walking track north to Bateau Bay or south to Forresters Beach.
Music warms the soul at The Entrance winter festival THE line-up at this year’s Winter Blues and Jazz Festival at Memorial Park, The Entrance is again one to warm your soul. Presented by Central Coast Council, artists perform across two stages from 10am-4.30pm on Sunday, July 9. Best of all, it’s free. “The annual festival is a great way to see some of the country’s best musicians in our backyard for free,” Connected Communities group leader Julie Vaughan said. “So bring along your chair or blanket and sit back and enjoy free live jazz and blues music along the water.”
Headlining the festival this year are jazz singer Emma Pask and blues and roots master Jeff Lang. Famously discovered by Australian living legend of jazz James Morrison, with whom she has featured for years, and who hailed her “the greatest gift to Australian jazz vocals in the last decade”, Emma is an award-winning vocalist who has toured the globe and counts among her fans Keith Urban and Nicole Kidman, at whose wedding she sang the Bridal Waltz. Aria Award-winning guitar virtuoso Jeff Lang has toured with the likes of Jeff Beck, Eric Clapton
and Bob Dylan and has a huge back catalogue of albums including his most recent, Alone in Bad Company. Of course there’s a host of other talented local artists on show, including Muma Jane’s Blues Band, Mojo Webb, The Dew Cats, Adam Miller, Darren Jack and Cass Eager, as well as stalls and amusements rides. Other licensed venues will also complement the festival with blues and jazz singers performing on Friday and Saturday night. For more details on The Entrance Winter Blues and Jazz Festival, visit theentrance.org.au.
JAZZING UP WINTER: The crowd lived it up with The Black Sorrows at last year’s Winter Blues and Jazz Festival. PHOTO: GARY LUKE
Monday, June 26, 2017 seniorsnews.com.au
Skiing into winter THE SNOW has started to fall and that means winter holidays. Ann Rickard gives her top picks in Australia and then hops over the ditch for a couple more. ★ Mt. Hotham, Victoria In the Victorian Alps, this is one of the country’s most popular ski towns and has mid-week deals in the season making it senior friendly. Way to go.
★ Thredbo, NSW The name has been synonymous with Australian skiing for as long as an old Aussie snow-skier can remember. Fourteen chairlifts will get you to the top quickly and comfortably. ★ Mt. Buller, Victoria A three hour drive from Melbourne and a popular resort village. Great downhill runs and good for cross-country
skiers. ★ Perisher, NSW In the Kosciuszko National Park, this is a big one. Seven mountains, slopes for all levels from beginners to professionals. An extensive range of properties in the Perisher Valley let you choose from budget to super-fancy. ★ Queenstown, New Zealand The spectacular
beauty of Queenstown is more than worth the three hour flight. With modern chairlifts, big runs, four ski resorts, heart-stopping views. ★ Falls Creek, Victoria Good cross country skiing and home to Australia’s National Cross Country Ski Team but there’s more than just skiing here: street parties, fireworks and plenty of entertainment.
★ Charlotte Pass, NSW The highest resort in the Snowy Mountains and with the highest annual snowfall of any ski resort, this is a reliable one. No big crowds adds to its appeal. ★ Mt. Hutt, New Zealand An hour and a half drive from Christchurch gets you there. Good children’s facilities if you
want to take the grandkids. ★ Mt Ruapehu, North Island New Zealand In the North Island, this is a pretty alpine destination in a World Heritage National Park. More than 54 runs to explore. ★ Mt. Mawson, Tasmania Low cost, no crowds, the Mount Field National Park, an hour and a half drive from Hobart.
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Happy camping at Kakadu KAKADU is predicting a rise in happy campers following the announcement that Flash Camp will return for a second season at the Cooinda Camping Ground from June 23 to September 21. Set in beautifully shady grounds, Flash Camp @ Kakadu offers bespoke bell tent accommodation in the heart of Kakadu National
Park – ideal for those seeking an effortless camping experience while exploring the UNESCO World Heritage Listed wilderness. Accommodation will include double and twin bell tents with spring-foam mattresses on pallet bases, quality bed linen, fresh towels, bamboo furniture, toiletries and Armadillo & Co rugs. Tents have power,
lighting and a fan, though nights are usually mild throughout the ‘winter’ season (18–20°C). Guests will also have access to the recently renovated communal toilet and shower facilities, barbecues, as well as a restaurant, bar and pools at the adjoining Cooinda Lodge. Cooinda is one of the
most convenient bases for touring Kakadu, with Yellow Water Cruises and Spirit of Kakadu Adventure tours operating from Cooinda. Warradjan Cultural Centre – a showcase for Kakadu’s indigenous culture and heritage – is just five minutes’ drive from the camp ground, and major tourist sites like Nourlangie, Anbangbang,
Twin Falls, Jim Jim and Gunlom are all within an easy drive. Cooinda Camping Ground is located next to Yellow Water Billabong, 30 minutes from Jabiru and just more than three hours’ drive from Darwin. Flash Camp @ Kakadu rates start at $140 per night. Visit: www.kakadutourism. com/accommodation or call (08) 8979 1500.
New UNESCO world heritage tours in Europe SEABOURN has announced new UNESCO Partner Tours at world heritage sites across Europe over the cruise season ahead, as part of its exclusive partnership with the United Nations Educational, Scientific and Cultural Organisation (UNESCO). The tours will offer guests privileged access, guide-led exploration, and remarkable experiences, as with all such offerings since the partnership began in 2014.
“Our partnership with UNESCO keeps rewarding our guests, providing them with opportunities to experience world heritage sites in Europe as few travellers can,” Seabourn president Rick Meadows said. Available on select scheduled Seabourn cruises starting this summer, each UNESCO Partner Tour focuses on individual UNESCO world heritage sites selected – and protected – for their cultural, historical,
scientific or other significance to humankind.
THE TOURS INCLUDE:
■ Portland, England: Stonehenge – Enjoy the rare privilege of slipping past ropes that keep tourists at bay. ■ Amalfi, Italy: Extraordinary Amalfi Cooking Class – Celebrate Amalfi traditions and heritage with a hands-on visit.
■ Valencia, Spain: The Silk Exchange – Valencia was the final stop on the Silk Road, a stop giving riches to the city in the 15th century. ■ Gibraltar: The Ultimate Archeologist Experience at Gorham’s Cave. ■ Barcelona, Spain: The World of Gaudi – Discover the famed and brilliant modern architect Antoni Gaudí. ■ Valletta, Malta: Megalithic Malta and the National Museum of
Call 1300 676 926 or drop in...
Elizabeth Court 2/30 Karalta Road, Erina NSW 2250 (near LJ Hooker & Plush)
Any cruise, Anywhere, Any time
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Archaeology. Seabourn’s ships circle the globe throughout the year and include more than 170 ports with access to UNESCO world heritage sites. Through its multi-year partnership with UNESCO, Seabourn offers deeper insight and behind-the-scenes information about current and future world heritage sites and projects. The line has created special world heritage discovery tours with
exclusive and enhanced content developed in cooperation with UNESCO world heritage site managers and tour experts. Fares for Seabourn optional excursions that include UNESCO world heritage sites include a small donation to UNESCO’s World Heritage Fund. For more information see a licensed travel agent, phone 13 24 02 or visit the website www. seabourn.com.
Monday, June 26, 2017 seniorsnews.com.au
travel - advertorial
Free cabin upgrade & onboard drinks for new southern USA Jazz and Heritage cruise tour After the five-night overland tour, the itinerary takes to the sea with an 11-night, round-trip Caribbean cruise from Miami aboard the 2850-passenger Celebrity Equinox. Boasting 11 dining venues, three pools, spectacular Broadway shows and a ship-top lawn with real grass, Celebrity Equinox will take passengers to five destinations beginning with tropical Grand Bahama in the Bahamas and Florida’s laid-back outpost of Key West – the southern-most point in the US. The ship then docks in New Orleans for two nights to enable passengers to immerse themselves in the city’s colourful jazz and blues culture. As the visit coincides with the annual, star-studded New Orleans Jazz and Heritage Festival, Cruise Express will give each of its tour guests a ticket to the celebration of the music which has made the soul-filled ‘Big Easy’ a drawcard for jazz lovers the world over. Guests will also have time to explore the cobblestoned streets, lined with sax players and crooning singers, and the
LEGENDS: The ‘Elvis and All That Jazz’ tour begins in the capital of music – Memphis.
alluring bars of the French Quarter before the cruise heads further south to the coral reefs and palm-lined beaches in Cozumel and Costa Maya in Mexico. After returning to Miami, the Cruise Express group will fly back to Australia. Including flights, the 18-night escorted cruise tour is available from $8990 per person, twin-share, in an inside cabin.
Bookings made in an Oceanview Cabin from $9990 per person, will receive a free upgrade to an obstructed-view
Balcony Cabin plus a complimentary Classic Beverage Package on the cruise. The offers are available until sold out.
Booking Now for 2018
8 Day Great Ocean Road Departing 17th February 2018
Home pick-up from the Central Coast with our first night in Albury. Cross into Victoria, visiting Torquay, Angelesea and Lorne travelling the first section of the Great Ocean Road. Overnight in Skenes Creek before discovering why this section is known as the Shipwreck Coast. Visit the Blowhole, The Bay of Islands, The Grotto, Loch Ard Gorge and the remains of London Bridge. Spend 3 nights in Warrnambool to visit Flagstaff Hill, Port Fairy and the amazing Maremma dogs that protect the little penguins. Travel to Ballarat for overnight, visit Flagstaff Hill and the sound and light show “Blood on the Southern Cross. Our last night will be in Wagga Wagga. Tour Price: $1650.00 pp t/s
3 Day Canberra Floriade Departing 4th October
Coastal Liner Touring, you’re aboard with the region’s Premier Coach Company. We have a simple philosophy (Explore, Enjoy, Experience), and we are 100% commitment to providing value for money. Australian owned and locally operated. Coastal Liner operate our own fleet of 5 Star Luxury Touring Coaches. Most importantly, we boast a wealth of experience in Day Tours and Extended Touring Australia-wide. At Coastal Liner, our
boundaries have no limits and that’s only possible because we have the utmost confidence in our product and the service we provide. Refer to page 5 for our latest theatre packages, day tours and extended tours. For more information, phone our friendly Tour co-ordinators on (02) 4392 3050 or (0)2 4392 3049. Go to www.coastalliner. com.au or www. entertainmenttours. com.au.
Conditions apply. Phone Cruise Express on 1300 764 509 or visit www.cruiseexpress.com. au.
Home pick-up and return for Central Coast & Newcastle Passengers, Quality motel accommodation, cooked breakfast and two course dinner each day, 5 star toilet equipped coach travel with experienced and informative coach captain/guide.
Coastal Liners provides something for everyone WHETHER you are looking for a theatre ticket and transport package, a fun and affordable day tour or a coach accommodated holiday Coastal Liner Touring & Entertainment Tours has something for everybody. Coastal Liner Touring and Entertainment Tours is the hassle free, no-fuss option when it comes to coach touring packages for individuals, couples or groups of any size departing from the NSW Central Coast or Lake Macquarie region. We make all of the arrangements and you get to sit back, relax and enjoy the experience in comfort and style on board a Coastal Liner Luxury Touring Coach. When you travel with
PHOTO: AMON FOCUS
Two nights in Canberra, visit Commonwealth Park for Floriade Cruise Lake Burley Griffin, visit the War Memorial and the National Museum of Australia and spend time at the beautiful Tulip Gardens just out of Canberra. Tour Price: $595.00 per person twin share 4 Day Spring into the Mountains Departing 19th October Three nights in Leura, visit Mayfield Gardens, Campbell Rhododendron Gardens, Mt Wilson and Mount Tomah A wonderful time to discover the Blue Mountain gardens. Tour Price: $799.00 per person twin share
9 Day Phillip Island Melbourne International Flower & Garden Show Departing 17th March 2018
Overnight in Cooma, then travel through Nimmitabel, Bombala and Orbost to Lakes Entrance for overnight. Visit Yarram, Welshpool and Foster before arriving on Phillip Island for a 2 night stay. See the little penguins as they make their way to shore for the evening. Spend the day on French Island with a guided tour of Victoria’s largest island. We then travel through the Dandenong and visit William Ricketts Sanctuary on our way into Melbourne for 3 nights. Tour the MCG, cruise the Yarra and enjoy a five course dinner on board the Colonial Tramcar Restaurant. Spend the day at the garden show and explore Victoria’s famous markets. Our last night will be in the country town of Yass. Tour Price: $1999.00 pp t/s Many more day tours, short breaks and extended coach holidays available for further information and booking contact our office.
Shop 5a, Gosford Central Plaza 153 Mann Street, GOSFORD NSW 2250 Email: email@example.com Telephone: (02) 4325 8000 Local Call: 1300 364 036
BOOK Cruise Express’ new southern USA music cruise tour and receive a free upgrade to a Balcony Cabin and the bonus of complimentary drinks aboard the cruise. The 18-night, hosted tour – ‘Elvis and All That Jazz’ – departs Australia on April 18, 2018, and celebrates America’s South as the birthplace of rock‘n’roll, jazz and country music. The journey begins with two nights in the music capital of Memphis with visits to iconic landmarks such as Sun Studio, where legends like Elvis, Johnny Cash and Jerry Lee Lewis recorded, and Graceland – home to the ‘King’. The tour continues to the country music magnet of Nashville where, over two nights, guests will enjoy an evening at the famous Grand Ole Opry concert theatre, salute the city‘s musical greats at the Country Music Hall of Fame, visit the grand Belle Meade Plantation for an insight into colonial history and feast on an authentic Southern barbecue at the Wild Horse Saloon. The group will then fly to the boutiques and beaches of Miami for a night’s stay.
20 Seniors Central Coast
seniorsnews.com.au Monday, June 26, 2017
Community HOW TO SUBMIT NOTICES
TO ALLOW for readers’ requests for the publication of more neighbourhood news, please keep notices short and to the point (100 word maximum). If you would like to submit a photo please ensure it is at least 180dpi with faces in a nice and bright setting. The deadline for the June issue is July 14. Email Nicky or Chris at communitynotes@ seniorsnewspaper. com.au
A CHRISTMAS in July Coffee Morning will be held on Friday, July 7 at 10am at East Gosford Progress Hall, corner of Henry Parry Dr and Wells St. $10 per person covers morning tea and entertainment. Lots of raffle and lucky door prizes as well as craft for sale. All proceeds will go to Children’s Medical Research Institute. Details call Sue Chidgey on 0422 565 097.
LOCAL ART: Central Coast Art Society are holding their Winter Exhibtion, including feature artist Merreice Strange.
STAND UP FOR SOLDIERS
SEVEN great comedians featuring the hilarious Matty B are coming to Gosford RSL (July 13)to raise money for Soldier on Australia. Have a meal and a laugh and pay it forward to those who serve our country. Tickets at www.standup4soldiers. com or at club reception.
COMMUNITY EXPO AND BRING YOUR BILLS DAY
ST VINCENT de Paul and the Energy & Water Ombudsman NSW (EWON) have joined together to hold a free event to help consumers. All welcome. Collect information, talk to staff for help with energy and water bills, fines, legal problems and tenancy issues. You can also get your blood pressure checked while you’re there! Telephone interpreters will be available.
■ WOY WOY
COME along to the Peninsula Community Centre, 43 McMasters Rd, Woy Woy on Thursday, July 27 from 9am-3pm. Everyone is invited to attend on the day, however if you would like a
The squares are knitted in garter stitch or can be crocheted, in 8 ply yarn, but the size must be 25cm, as this keeps the finished wraps uniform size and weight for packing and transporting to the destination. Drop off points for anyone wishing to donate squares on the southern part of the coast are: Gosford Uniting Church, or the Libraries at Gosford, Kincumber, Umina and Woy Woy. For the northern end of the coast the drop off points are: the Libraries at Bateau Bay, Lake Haven, The Entrance, Toukley and Tuggerah. June and July are the months recommended for donations, with the final date being July 28. The final result from last year’s Knit In was 206, a good result. As Wrap with Love is celebrating 25 years of volunteering to the needy in Australia and around the world, it is a great way for people to be able to contribute. Whether knitting squares, sewing up wraps or donating wool, the end result is helping others. Phone 4399 3551 or email deeah.johnson @bigpond.com.
CHRISTMAS IN JULY
Long Jetty Senior Citizens Club members recently enjoyed a great game of canasta.
personal interview with any of the stallholders please phone Peninsula Community Centre on 4341 9333.
COME along to The Hive, Erina Fair Shopping Centre, Terrigal Drive, Erina on Friday, July 21 from 9am-3pm. Everyone is invited to attend on the day, however if you would like to book a personal interview with EWON for help with energy, water, billing or payment issues, get in touch. Phone 8218 5241 or email community@ewon. com.au.
LONG JETTY SENIOR CITIZENS CLUB WE HAVE a very active
card group ready to play any of the most popular games, like 500 or Euchre or the very popular hand and foot Canasta. This is a great way to spend Monday as this activity starts at 9.30am and usually finishes about 2.30pm. Grab a bite at the canteen and make a day of it. You need to be a member of Long Jetty Senior Citizens Club to play. Phone 4332 5522 for details.
CENTRAL COAST ART SOCIETY
ARE Having a Winter Exhibition with a Peoples Choice Award. Commencing July 6-12 at The Community Gallery, Gosford Art Centre, 36 Webb St, East Gosford.
Official opening will be Friday, July 7 at 6pm. There will be a Guest Speaker: Scott Levi from the ABC Central Coast. Open Daily are 10am-4pm and all Artwork for sale. Entry free, donations accepted. Members, both professional and amateur, combine to present a vibrant showcase of artworks from abstract to traditional, across an eclectic range of topics, techniques and mediums. You will be delighted with a wide selection of unique pottery, cards and jewellery. Details phone Fran Mackey 4369 2178.
ANNUAL KNIT IN DAY 2017 ONCE again knitters and crocheters across the
Central Coast are busy making 25cm squares. When there are 28 squares, they are then sewn together which becomes a completed Wrap which are then distributed across Australia and around the world to the needy, who may be ill, displaced, suffering from natural disaster or are receiving Humanitarian Aid from the many organisations which support the Wrap with Love Inc. The 2017 Knit In Day will be held August 4 at the Toukley 50 Plus Leisure and Learning Centre Memorial Hall, Pearce Avenue Toukley from 10am-3pm. This day is held to sew up the squares that have been donated for the cause.
SATURDAY, July 15 commencing at noon in the auditorium of the Toukley 50+ Leisure & Learning Centre, 1 Hargraves St, Toukley (previously Toukley Senior Citizens Club). A delicious hot lunch will be served at 12.30pm. Be entertained by popular Brian Kelly. Tickets $25 each, on sale from the club reception. For catering purposes tickets must be purchased by Friday, July 7. For further details, phone 4396 5075.
THE NSW POLICE CONCERT BAND
BACK by popular demand, Thursday, August 10 commencing at 11.30am in the Club Auditorium of the Toukley 50+ Leisure & Learning Centre . Tickets $5 per person, available from club reception. His Excellency General, the Honourable David Hurley, Governor of NSW, accompanied by his wife Linda will be joining us at this wonderful concert. For further details, phone 4396 5075.
Monday, June 26, 2017 seniorsnews.com.au
Talk ‘n’ thoughts Hurdles, highjumps and solutions
Share your thoughts Email editor@seniors newspapers.com.au or go online to www.seniorsnews .com.au
Economic abuse destructive
The same as many people he had done business with – he had gained their trust, taken money and dumped them. She said even after that, she trusted him to give back her money and she didn’t have funds for solicitors anyway. In the early days, he kept her at bay with a few payments of $1000 and kept visiting her with promises. She was shattered. Eight years later, he hasn’t given back the money, she rents, he lives on his same property, and she sees him around the area with other women.
FROM THE EDITOR’S DESK GAIL FORRER
Group editor Seniors Newspapers network
HERE’S one woman’s story, which I’m sure will resonate with many other homeless woman. Janet (not her real name) was 45 years old in 2001 when she met her future partner. This is her story: He – let’s call him Jack – was charming with a ready smile. His politics leaned towards the left, always sticking up for the poor and less educated. He was the son of a single mother who had sacrificed everything to pay for his convent school fees. In return, he had housed and practically clothed her since his first pay. He had married young and after an early divorce stayed close to his now adult children. He was into the third decade of his second relationship, but it had soured (because, he said, of the partner’s lazy ways) many years before and he basically led a single life. The narrative held a tone of heartwarming angles and perfectly promoted his generous, caring profile. All perfect – not for long. Janet was introduced to Jack through
TRUE STORY: Janet was a victim of economic abuse.
friends, a young couple who purchased a business from him. Initially all was well, in fact nearly too good to be true, and they were happy to make the introduction. But within 12 months, the relationship and business were showing major fault lines. On the other hand, her relationship with him was, she thought, flourishing. The couple told Janet their worries and asked her to take heed. But by that time, she was completely taken in by him and believed his versions of many stories. Ultimately, she learned they were not the first couple whose dealings with him had faltered.
PHOTO: PAUL VASARHELYI
Janet also watched as he parted with family members who didn’t see to eye with him. But she had met his mother and adult children and their families, who were decent enough to encourage her belief in his authenticity. After four years they moved in together onto his property. He didn’t work but explained he was a ‘businessman’ who looked for his own projects to make work. Of course, when the money ran out he noted that in many ways they were not ‘united’. She was a hard worker with her own weekly income and he struggled on alone.
She loved him, she told him she would sell her home and in the meantime allow him to put his name on the account her wages went into. She said the money from the sale of her beachside unit could go straight to his considerable mortgage – the money would pay for about a quarter of the mortgage. He promised to include her name on the family trust that held the property they lived on and not to worry, that if anything happened, the fact they lived together
meant she was entitled to her share. Ultimately, her name wasn’t included on the trust document – he blamed this on the unreasonable cost it would incur. Four years later, the money from the sale of her house had gone and the bank wanted further payments. He had an affair and packed her belongings, paid for three months in a storage shed, walked into her office and put the storage receipt and keys to the shed on her desk.
If you think Elder Abuse might be affecting you or someone you know visit www.qld.gov.au/noexcuse forelderabuse or phone 1300 651 192 for help.
A related report published on “The Conversation” site stated that of the 15.7% of women and 7.1% of men who had experienced economic abuse, the risk peaked between the ages of 40 and 49. In this age group, 20.9% of women and 10.3% of men reported economic abuse. It noted the ABS questionaire did ask respondents if tactics were used to “prevent or control your behaviour with the intent to cause you emotional harm or fear”. This caveat is important as economic abuse, like other forms of intimate partner violence, is a pattern of behaviour that often starts with seemingly innocuous or caring behaviours.
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Be wary if the number in the ad is disconnected. If the buyer/seller says the number is disconnected because they are overseas, ask for a landline phone number at their current location as well as a mobile phone number. All contact details of the person buying or selling the car should be verified to ensure they are genuine.
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22 Seniors Central Coast
seniorsnews.com.au Monday, June 26, 2017
Live and let’s save Tips to stay warm
Make it low & slow CHEAP EATS, NO TRUFFLES CHRISTINE PERKIN SLOW cookers have come a long way since the ’70s when the first slow cookers were put on the shelves. You can still find the simple slow cooker with a dial that allows you to choose low or high temperatures only, these are very cost effective starting from $20 at supermarkets and large stores but you're going to want to see what's new in these time-saving appliances. The newer slow cookers now come with digital displays, timers and automatic shut-offs. You can program some of them to cook up to 24 hours in advance, and you can choose the cooking time in 30-minute increments, bear in mind
Korean Beef Ribs
that you will pay for the technology. Many recipes suggest searing the meat first before braising or tossing it into a stew, which allows more complex flavours to develop. The latest in slow cooking is the ability to sear meat in the slow cooker's container, which can save time and hassle. If you're using the right recipes for a slow cooker, regardless of the model you use, your meals should come out piping hot and delicious. Some of the most
delicious meals you can cook are lamb shanks, pulled pork, and soups. You will be glad you invested in a slow cooker, just make sure you check the different models and brands to purchase the most suitable one for you.
SLOW COOK KOREAN SHORT RIBS Ingredients 4 large beef short ribs 2 tbsp sesame oil 1 tbsp dried chilli flakes
Family betrayal rips them apart BEFORE We Were Yours is a compelling, harrowing and utterly redemptive novel that reveals a family torn apart by a shocking betrayal. Based on real-life events of kidnap, illegal adoption and a corrupt orphanage, the fictional narrative brings alive deeply researched real-life events in the manner of Jodi Picoult and Caroline Overington. Born into a world of wealth and privilege, Avery Stafford appears to have it all. A loving daughter to her father, a US senator, with her own ambitious career as a lawyer and a handsome fiance waiting for her in Baltimore, she has lived a charmed life. But when Avery returns to Aiken to help her father weather a health crisis and a political attack, a chance encounter with May Bonher, an elderly woman she’s never met before, leaves Avery deeply shaken. Avery’s decision to learn more about May’s life will
HISTORY AND MYSTERY: Before We Were Yours by Lisa Wingate. PHOTO: HARLEQUIN
take her on a journey through her family’s long-hidden history, illuminating the heart of Avery’s story. About the author Selected among Booklist’s Top 10 lists for two consecutive years, where she was called “quite simply, a master storyteller”, Lisa Wingate is known for weaving lyrical writing and
unforgettable settings with elements of traditional storytelling, history and mystery. Lisa Wingate creates novels that Publisher’s Weekly calls “masterful” and Library Journal refers to as “a good option for fans of Nicholas Sparks”. Published by Harlequin, Before We Were Yours is available in June. RRP $29.99.
3 cloves garlic, finely chopped 1 medium onion, sliced ½ pear, finely grated ¼ cup brown sugar ¼ cup light soy sauce 1 tbsp sesame seeds, 2 sliced red chillies, 2 green onions, finely sliced to garnish Serve with steamed rice Method Place beef short ribs into the crock and pour over all ingredients, turning to coat the ribs in the mixture. Cook on LOW for 8-10 hours.
BE THRIFTY AND THRIVE NICKY NORMAN NOW that we’ve entered winter, how long before you surrender to your heater and have to turn it on? Let’s look at ways in which you can save money on your electricity bill, not just during cooler months but throughout the year with these simple tips. 1. Buy energy efficient devices and appliances. Check if there is a label like Energy Star or an energy class label. 2. Avoid the clothes dryer when you can. Dry wet items on a clothesline or only dry smaller items and hang out the rest. If you don’t have access to a clothesline, try not to overfill the dryer. 3. Turn off lights when you leave the room. This wastes power and money. 4. Computers can be set up to use the power saving modes. Enable ‘Sleep’ for desktops and ‘Hibernation’ for notebook PCs running Windows. Screen savers are not energy savers. Using a screen saver may use more energy than not
using one. 5. Change regular light bulbs to more efficient light bulbs. LED (lightemitting diode) or CFL (compact fluorescent light) bulbs use a lot less electricity and last a long time. They cost more than regular bulbs don’t change them all at once. 6. Turn off household appliances like TVs and computers at the wall, when not in use. You can waste hundreds of dollars a year leaving these on. 7. Try to use cold water in the washing machine. Top or front loader washing powders for cold water are available and clean clothes efficiently without hot water costs. 8. Check to see if you can get a better electricity contract with your provider or make payments based on average monthly cost. Direct Debit payments or paying online, can attract a small discount. 9. Grab a blanket, hot water bottle and some warm socks or sleepers in the evening. Only use an electric heater if needed or try a gas heater as an alternative. 10. Using a rug on tiled or timber floors helps to create warmth, also check that windows and doors are sealed.
Victim’s past holds buried secrets A HOT summer. A shocking murder. A town of secrets, waiting to explode. A brooding, suspenseful and explosive debut that will grip you from the first page to the last. A beautiful young teacher has been murdered, her body found in the lake, strewn with red roses. Local policewoman Detective Sergeant Gemma Woodstock
pushes to be assigned to the case, concealing the fact that she knew the murdered woman in high school years before. But that’s not all Gemma’s trying to hide. As the investigation digs deeper into the victim’s past, other secrets threaten to come to light, secrets that were supposed to remain buried. The Dark Lake is an addictive crime thriller, a mesmerising account of
one woman’s descent into deceit and madness, and a stunning debut causing a stir. Published by Allen & Unwin, The Dark Lake is available in June. RRP $32.99.
Finally we get some answers for our gut YOUR guts have an astonishing degree of control over your mood, hunger and general health. Dr Michael Mosley’s The Clever Guts Diet is a book that celebrates this hugely under-rated organ and shows you what you need to do to keep it in prime condition. Best-selling author Dr Mosley reveals the latest research into the
workings of the microbiome – the kilogram of alien bacteria that live in your gut – and takes a look at exactly what happens inside your stomach and intestines as you go about your daily life. He demonstrates how your gut communicates with your body and mind, and explains why your biome affects your weight, your health and
even your happiness. Published by Simon and Schuster, The Clever Guts Diet is available in June. RRP $29.99.
Monday, June 26, 2017 seniorsnews.com.au
The challenge is to rearrange a crossword which has been broken into 25 sections. One letter has been given to get you started. Work out which 3x3 square fits in with that letter and write in the letters. You can also shade the black squares if you find it helpful. After completing the first 3x3 area, work out which square joins on to it, and continue until you have made a complete crossword.
V E C A T R
T A L R
U R O V A U
A S H K G I S
T I F
T S P O U F
Y H O G N
T C H R A I O N
O T A A
N E D O N E
E A T E L V
H J O U E N
A L N
A B S N S Y C
M A U P T H E
S A O T E L
E N T C O H E
S C A R B A R
S M K E L E
M A L T B E A
B A R L A T
E S R O T I E
U A T H P A
I R N A L
N E D
Across 6. Fasten (6) 7. Senility (6) 10. Unceasing (7) 11. Part (5) 12. Coloured (4) 13. Expertise (5) 16. People used by others (5) 17. Modify (4) 20. Large area of land (5) 21. Beyond (Scot) (7) 22. Leave (6) 23. Cake (6)
Down 1. Timid (5-7) 2. Scrawny (7) 3. Severe (5) 4. Put together (7) 5. Strides (5) 8. Last possible moment (8,4) 9. Already claimed (6,3) 14. Portable light (7) 15. Suitor (7) 18. Glad (5) 19. Wander off (5)
Can you complete these four words, using the same three-letter sequence in each?
Fill the grid so every column, every row and 3x3 box contains the digits 1 to 9.
M A S K E G I
C H A O N D Y N U T H A S O T E I N E D
HINGE, ITCHES, JOSTLED, KINDNESS, LACERATE.
R U D E E R R S P E A L
I N G R O E E R N
A L V E OW WD R A R E
E O G S E P S H R T I E D Y B E S T A P E T A M I P N L G E P F E L A S A R A L E N M A N B S T E R L A A W A T E S E A W E L L O B R T N U E S E G N E N O V A U S E D
L O E R A B
7 lEttERS BEATING FLANNEL LOBSTER WESTERN
A L T O
6 lEttERS OSPREY PSALMS SHREWD STOLEN TAMPER TEMPLE TSETSE UNWELL
1. Before Canberra, which city was the capital of Australia until 1927? 2. Pâté de foie gras is made from the liver of which creature? 3. What does a herpetologist study – reptiles and amphibians, sexually transmitted diseases, or the seeds of plants? 4. Who duetted with Peter Gabriel on “Don’t Give Up”? 5. Which popular board game gets its name from the Latin for ‘I play’? 6. Don Adams played Agent 86 in which TV comedy series? 7. Until its division in the 1990s, what was the capital of Yugoslavia? 8. What nationality was Georges Remi, who wrote the Tintin stories under the name Herge?
R I O T
5 lEttERS ABATE ALONE DYING EGEST
W A R S
4 lEttERS AILS ALTO AVOW DANE ELSE ERRS EVES LARD LEWD NOVA ORAL PEAL PERU PROW RARE RIOT ROTA RUDE SAVE SORT USED
WARS WRAP WREN
1 Melbourne, 2 Goose, 3 Reptiles and amphibians, 4 Kate Bush, 5 Ludo, 6 Get Smart, 7 Belgrade, 8 Belgian.
3 lEttERS APE ARE BAA BUG EAR EAT EEL EGG ERA FEE GEN HID IRE LAB LAG LEA MAN NOR NUN OBI ORB RAW ROE SEA
WORD GO ROUND
A T R T I A A L L T O A P E A R I A T I L F
H B R S L A H I U R N N S E N C H E O T I A S O T E
Fit the words into the grid to create a finished crossword
Y C E T E V I L L
Good 12 Very Good 16 Excellent 20+
J R E A O N P S E N A L L T A A R
NEIGH ETHICS SOLD JET SENDS INK CLEAR TEA
T S O K E F L U V E C E A T R A T I A A N D O R E M A T B E
S P U M A P T H U O V U S C R B A Y H O N
How many words of four letters or more can you make? Each letter must be used only once and all words must contain the centre letter. There is at least one nine-letter word. No words starting with a capital are allowed, no plurals ending in s unless the word is also a verb, e.g. he burns with anger.
woRD Go RoUND
Solve the anagrams. Each solution is a one-word anagram of the letters beside it, and the five solutions are sequential. For example, if the five-letter solution starts with J, the six-letter solution starts with K, and so on.
Across: 6. Attach 7. Dotage 10. Nonstop 11. Piece 12. Hued 13. Skill 16. Pawns 17. Edit 20. Tract 21. Outwith 22. Depart 23. Gateau. Down: 1. Faint-hearted 2. Stunted 3. Acute 4. Compile 5. Paces 8. Eleventh hour 9. Spoken for 14. Lantern 15. Admirer 18. Happy 19. Stray.
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