Times of our Lives

Time Of

OUR LIVES MARCH 2015

Life on the road for Grey Nomads

The importance of Staying Active What you should be doing with your money

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Time of Our Lives

CASH ONLY PLEASE as we don’t take cards.

Monday - Friday 7.30am to 4pm Saturday 8am to 1pm

2015/Edition 1 322 Charles Street, Murwillumbah

70424

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9-10 Welcome to our first edition of The Time of our Lives While young people might not believe it, those of us over 50 are living the Time of our Lives, where we can enjoy the fruits of our labours. As we pass the 50 year milestone we are healthier and wealthier than any generation which has gone before us - 60 is the new 50 and 70 is the new 60.

It is also a time for important decisions in relation to health and finances, retirement and aged care.

This magazine is designed to sit on your coffee table and be used as a reference guide. It is divided into categories of products, services and interesting articles, and also includes hints and advice for situations we all face.

We also have some very interesting articles written by experts about Grey Nomads, University of the Third Age and the importance of staying active.

We will be reviewing the contents of the guide and making it as aligned to your needs as we can, so please do not hesitate to give us your thoughts and ideas, so that we can continue to have the “Time of our Lives�

Cherry Jackson-Saw Proprietor, The Tweed Valley Weekly

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Address: S hop 1/12 Queen Street, Murwillumbah Phone: 02 6672 4443 Web: www.tweedvalleyweekly.net.au Email: info@theweekly.net.au Published by: Tweed Valley Weekly Disclaimer: The information contained in this publication is given in good faith.

This publication should not be used or relied upon as a substitute for detailed, professional advice or used as a basis for formulating important lifestyle decisions.

To the maximum extent permitted by law, Tweed Valley Weekly accepts no liability for loss or damage arising as a result of any person acting in reliance on information contained in this publication. The Tweed Valley Weekly is not responsible for views or comments contained in advertisements. Therefore it is the advertisers or their agents responsibility to ensure the content and claims in their advertisements are not in breach of the Trades Practices Act. Copyright. All material, including graphic design, editorial content, photography and advertising appearing in this magazine is copyright restricted and may not be reproduced without written permission from the publisher or persons holding copyright for specific feature articles.

Time of Our Lives

hit the road jack (& jacqui) Grey Nomads talk about how life on the road is good for you 6-7 get up and go An exercise physiologist talks about the importance of staying active 9-10

healthwatch Heartburn: treatment and tips to avoid 24 lifelong learning Inside the University of the Third Age 26 laughter is the best medicine 30

4 wheel drive We pick the best motorised scooters on the market 11-13 financial planning Experts give advice on what you should be doing with your money 14-15 i can see clearly now An amazing breakthrough for 19-20 people with cataracts you are what you eat Healthy eating tips from dietician & author Ngaire Hobbins 22-23 3

Editor Shawn Durkin Matt McIlveen Sales Production Ewan Williams

John Denman 2015/Edition 1

Richmond Tweed R egiona l Library

NSW Seniors Week 14 - 22 March 2015

Connect. Discover. Escape.

Seniors programs Tweed Shire Libraries – Knit’nChat

The Seniors Week Program and some of the events during Seniors Week are developed and run through the Tweed Shire Seniors Committee and proudly supported by Tweed Shire Council A busy week planned at the Banora Point Community Centre. For bookings contact Lyn on (07) 5523 2030.

Mon - Photography workshop with the Camera Club - (bookings essential).

Tues - Paper Craft workshop (bookings essential) - Ukulele workshop (bookings preferred).

Wed - Seniors Info Hub open.

- Try Heart moves free trial class 2pm-3pm.

- African Drumming 3.30 - 4.30p (Bookings preferred).

Thur - Mind Body morning & lunch (winner of short story comp presented) 10am-12pm bookings essential.

- Crackpot players 1.30pm - 2.30pm Bookings preferred.

- Seniors info hub open.

Fri - Seniors info hub open - FABS (Fun Activities Banora Seniors) open day 9.15am - 2.30pm.

The Knit’nChat session is a group of knitters, crocheters and hand embroiderers who meet at Tweed Heads Library Monday mornings 9.30am. Beginners and new members welcome.

Tweed Shire libraries hold monthly talks on a variety of topics. Please check the library website (www.rtrl.nsw.gov.au) or enquire at your branch library for details.

Full program with more details available at www.tweedseniors.org or pick up a more detailed program at Council Offices, Tweed Libraries, Licensed Clubs and Community Centres. To contact the Tweed Shire Seniors Committee, phone Vic Crowley 0404 900 882 or Noela Gresham (02) 6672 2262.

Free wireless internet (WiFi) access is available in all our branches across the region, please bring your own device (iPad etc).

Sessions on basic Internet and accessing eBooks and other electronic resources provided by the library are held regularly.

Spaces are limited so bookings are essential, please contact your branch for details.

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Seniors Week Opening Ceremony & Seniors Awards Presentation Saturday 14 March Tyalgum Community Hall, Coolman Street, Tyalgum.

9.30am-12pm. Enjoy exploring the village after the event. (Buses return 2.30pm).

Free event.

Bookings essential.

For event - Jenny Unwin 0418 723 908.

To book free bus transport - from Banora Point/Tweed, Lyn (07) 5523 2030; from Murwillumbah/Tweed Coast, Jenny 0418 723 908.

Tweed Regional Aquatic Centres Are you recovering from an operation or do you need rehabilitation from injury or illness?

Hydrotherapy and low impact exercise in the water is one of the best ways to improve your health and fitness.

Hydrotherapy is basically ‘water therapy’ in which buoyancy, resistance and the warmth of the water are all used in a positive way to maximise the physical and mental benefits to participants.

Join the team at TRAC in Seniors Week with a FREE PASS to one of our aqua programs at Murwillumbah, Kingscliff and South Tweed.

Exercise programs in an aquatic environment can provide unique and rapid benefits, to take you to a higher level of fitness and mobility sooner.

Hydrotherapy is a proven, low-impact form of rehabilitation which is also used to treat many illnesses and conditions.

Hydrotherapy is ideal for people recovering from muscle and joint pain or injury. It can be perfect for the early steps of a rehabilitation program.

Tweed Regional Aquatic Centre (TRAC) has the only public purpose-build hydrotherapy pool on the Far North Coast.

Time of Our Lives

Visit the TRAC website at trac.tweed.nsw.gov.au or phone (02) 6670 2750.

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FOR MORE INFORMATION

The TRAC complex in Murwillumbah hosts structured hydrotherapy sessions and the hydrotherapy pool is open for general public use at other times.

2015/Edition 1

Take a tour of awarded Tweed gardens Tuesday 17 March 2015 at 9.30am Join a free bus tour of the stunning and award-winning gardens at the Tweed Heads Lawn, Murwillumbah Lawn and Tweed Valley Cemetery Gardens cemeteries.

See the gardens that have consistently won their category for the past 10 years in the Murwillumbah and District Garden Competition.

The free tour will start at Tweed Valley Cemetery at Eviron, and tour the gardens at Tweed Heads and Murwillumbah, before returning for a light lunch at the historic and beautiful chapel at Eviron.

The tour finishes with a guided walk of the grounds at Eviron.

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To book a seat on the tour, phone John Stennett on (02) 6670 2435.

Tweed Community Options Helping people to live good lives at home, with safety and independence.

Is this service for you?

How can we help?

A Case Manager may be able to help. We work in partnership with you to help identify your needs and goals and strengthen your ability to live as independently as possible.

Who can access our service?

Are you: • in need of some help at home?

• lonely and/or having difficulty accessing the community?

• concerned about the possibility of moving into residential care?

• having difficulty coping at home?

Tweed Community Options can: • advocate on your behalf • organise services and support • make referrals to services that suit your needs • support the person who cares for you • keep in contact with you to review your needs and support services The service can be accessed by Tweed Shire residents with a range of care needs who: • are frail and aged • are younger and have a disability

Contact us:

Anyone can make a referral - just speak to our Intake Case Manager.

Phone: (07) 5569 3110 Email: copemails@tweed.nsw.gov.au Fax: (07) 5569 3111 Post: PO Box 651 Tweed Heads, NSW 2485 www.tweed.nsw.gov.au/CommunityOptions

• • •

Stand together - frail aged falls prevention program Shop don’t drop - training program to shop, pay bills, bank, connect via social media Blokes days out

Call our office today (07) 5569 3110.

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Join us for one of our programs like:

2015/Edition 1

Hit the road Jack ...and Jacqui too!

The grey nomad lifestyle is the perfect way to stay active, stay engaged, stay excited … and stay happy!

Recent retirees are notoriously prone to boredom and losing their feelings of self-worth … unless, it

seems, they hit the open road!

“Grey nomads are definitely doing a good thing,” said leading clinical and health psychologist, Dr Bob Montgomery.

“Getting out and doing new things and going to new places is better

that sitting at home watching endless TV, or not knowing how to fill in the time.”

Retirees who do not find new meaningful activities to replace work, risk developing a sense of purposelessness that can lead to depression and other health problems.

“The more you do, the more you are protecting yourself against that,” said Dr Montgomery.

“If your activity levels are down, your rewards from life are down, and it can be a down­ward spiral from there.”

A recent British study found that 93 per cent of campers believed the experience made them happier, and Australian grey nomads would certainly agree.

However, Dr Montgomery warns that just being ‘out there’ isn’t always enough, and travellers should – within reason – be prepared to try new things.

“By simply being on the road grey nomads are doing the right thing but they should still be ready to push the envelope a bit to further lift enjoyment levels,” he said.

“Trying new things and not liking them isn’t a failure, it’s all part of the process.”

Dr Montgomery says while some grey nomads try to re-create a little bit of ‘home’ on the road, others go the other way and become ‘Evel Knievels’, eager to push the boundaries.

A recent UK study revealed over50s were prone to so-called ‘holiday brain’, with some 13 per cent of mature-aged travellers taking part in extreme sports while on a trip.

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However, Dr Montgomery warns grey nomads should always do sensible research before taking on a new activity.

“People don’t have to go bungee jumping to maximise trip enjoyment,” he said.

“Every grey nomad is goal setting to some extent, even if it is something as simple as wanting to go fishing or walking or visiting a museum when they get to a new place.”

As well as delivering ‘fun’ activities that can lift moods, travelling Australia also gives people a sense of achievement that helps them feel good about themselves, and it can be ex­tremely social too.

The bottom line, it seems, is that being a grey nomad is good for you. And the message from the experts is clear: ‘Enjoy it while you can!’

There is also evidence that taking off on the Big Lap can improve your physical and mental wellbeing and add years to your life expectancy, a new study concludes.

The research showed men with the healthiest and most active lifestyles lived six years longer, while women gained five extra years.

The findings are no surprise to Dr Brian Morton, the chair of the Australian Medical Association’s council of general practitioners.

He said hitching up the van to go see Australia had clear physical and psychological benefits.

“Of course, getting out to new places, seeing and doing new things, and meeting new people can be invigorating,” he said.

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2015/Edition 1

creased life expectancy by around two years. People with a rich social circle lived 18 months longer than those without.

However, Dr Morton cautioned wannabe grey nomads that they should always discuss their plans with their doctor before striking off, and medical needs should be factored into any decision about destinations, trip duration, and even mode of transport.

Nonetheless, for the majority, it seems that the scientific verdict is in and being a grey nomad is good for you.

“Retirement is not the end and people can continue to do different things,” said Dr Morton.

“It seems 70 is the new 60, and 80 is the new 70!”

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From previous page – “It keeps the mind and body active and it can even lead to an improvement in physical health.”

Dr Morton said a change of scene and lifestyle often led to grey nomads losing weight and enjoying all the associated health benefits.

“At a certain age you inevitably get physical ailments and, without stimulation, your focus can be on your physical problems,” he said.

“Getting out and travelling gives people something else to think about and look forward to.”

And, he said, activities such as bushwalking or cycling can strengthen grey nomads’ pain thresholds helping them to cope better with conditions such as arthritis.

“It certainly beats the transition from office chair to lounge chair and the TV,” Dr Morton said.

“I’m sure it can add years to your life but it is difficult to prove … or to disprove.”

The recent research conducted by Sweden’s Karolinska Institute over an 18-year period analysed the lifestyles of 1,810 people over 75.

It found swimming and walking in-

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GO

Get Up &

An exercise physiologist talks about the importance of staying active after retirement By: Paul Cavendish AEP ESSAM

While it is generally accepted that keeping physically active improves your health there are still many misconceptions regarding what you need to do and for how long.

A recent US study found adults over the age of 70 who walked for just 20 minutes most days of the week significantly reduced their blood pressure and greatly improved their chances of living longer.

This supports many previous studies that show the benefits of physical activity are attainable for any person, regardless of their age or their beginning level of fitness.

Walking has great benefits to the body, has no cost

and can be done anywhere, anytime. However people with conditions such as osteoarthritis in the spine, hips or knees may find it difficult.

Stationary bike, pool or even activities in a chair can all result in great improvements in health.

It does not matter what activity you perform, just that you do it!

Forget about no pain no gain. The main thing is elevating the heart rate but only to a moderate intensity level. To gauge this, use a talk test: if you are able to maintain a conversation but are puffing slightly, you are working within this zone. If you’re whistling, you need to lift it up a notch!

Continued Page 10 –

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Lawn Bowls – Wed (social); Sat Disability/Disadvantaged/Marginalised Bowls – Thurs from 10.30am, VISITORS WELCOME

Entry from 11.00am - Eyes Down at 11.30am.

Club open 7 days from 10.00am (11.00am Sundays) Become a member and receive discounts and Loyalty points on purchases.

• $5.00 - 1 year • $15 - 5 years.

Jazz Tweed Valley – 4th Friday month Country Caldera – ✓Keno 4th Sunday month from 12pm ✓Bar Specials

Be Inspired! If you’ve never given Bingo a try, here’s your chance to try it for free.

Bingo is a fun and easy way to get out and be social.

Show your Senior’s Card to play and be in it for your chance to win great prizes too.

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Meat Raffles Thursday and Friday evenings 7.00pm and Saturday Lunchtime 12.30pm Keno and TAB Facilities

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MEALS AVAILABLE THURS/FRIDAY EVENING Time of Our Lives

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Get Up &

Greenhills Lodge Aged Care Greenhills Lodge residents enjoying their regular chair line dancing with volunteer Nola Gresham

Our Values

• • • •

You don’t have to do all your activity in one go. Often, people find it challenging to complete 30-60 minutes of activity. If you’re able to do it, that’s great, but you can break up activity into smaller amounts during the day and still ensure health benefits. In fact, there is evidence you can split up 30 minutes of activity into small blocks throughout the day- even into 3 minutes- and it is just as effective as the continuous half hour effort. It is clear that when it comes to activity, something is better than nothing regardless of who you are or what age you may be.

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– From Page 9 It is important if you do have health conditions that you discuss these with your GP prior to commencing activity. They may recommend you to an Accredited Exercise Physiologist, who are University trained health professionals able to prescribe appropriate and safe exercises for health conditions. You have access to private health rebates and with GP referrals for chronic health conditions, these visits are also rebated through Medicare and Veterans Affairs.

A key aspect for older adults is maintaining confidence and capacity on their feet. It is very common as strength and flexibility decrease that our balance reduces. By simply including leg strengthening and stretching exercises a couple of times a week, it is possible to reverse these changes even among 90 year olds. Exercises involving straightening the legs, standing from the chair as well as stretching the limbs in movements that oppose a sitting position are very effective to improve balance. There are also other options such as Tai Chi, yoga and Pilates which can also combine some important elements related to balance. There are a range of options that our health system and local governments provide to try and restore confidence in maintaining function and allowing older adults to continue being active, even after signs of instability of a trip or slip.

There is a clear link with inactivity and the increasing number of lifestyle related diseases like type two diabetes. This has led to a greater understanding how to prevent and also reduce the effects of these health conditions by combining strength and aerobic exercise and even the timing of when we do them. But it is not just about activity. The updated Australian Physical Activity Guidelines included a recommendation of breaking up long periods of sitting as often as possible and minimise the time spent sitting. The Cancer Council and Australian Heart Foundation agree that sitting has negative health effects on our body’s cells which may be reversed with just a couple of minutes of movement every 30 minutes to two hours.

Qualified and Caring staff offer care of the highest standard consistent with UPA’s Christian commitment and the expectations of society.

Kindness Integrity Compassion Respect

Physical Activities for Seniors

1. Hiking or Walking 2. Gardening 3. Swimming/pool walking 4. Yoga 5. Tai Chi 6. Water aerobics 7. Dancing 8. Senior fitness classes 9. Weight training 10. Tennis

Did you know EXERCISE IS MEDICINE? With an exercise physiologist, the right exercises can: • overcome persisting pain caused by injury or overuse • improve your heart health • control your diabetes or prevent progressing to full diabetes • improve your recovery following cancer treatment • improve your general health and wellbeing.

Call today, take control of your health!

0406 665 856

437 Tweed Valley Way, Murwillumbah Ph 02 6672 3435 Email: greenhillslodge1@dodo.com.au

Time of Our Lives

MOBILE

SERVICE

www.synapseyourhealth.com

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Wheel Drive: 4 Scooter Reviews

I

t’s almost hard to think of a time when mobility scooters were not a common sight in parks, shopping malls and on footpaths. In just a few short years these amazing machines have revolutionised the life of many seniors who now enjoy a degree of freedom and mobility they

Small/Portable Scooters

never could have imagined. With more and more manufacturers getting into this growing market deciding on the best scooters for your needs and budget can be a difficult process. Here we look at the options and give our picks of the best scooters in each category.

Pride Go-Go LX

Other small scooter options: Monarch Buzz 4, Merits Momo 3, Shoprider QT 8

Cost: $1200-1700 Key Specs: Top speed – 7kmh Drive range – 15.2km Heaviest piece – 15.4kg Weight capacity – 135kg Weight – 57kg

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The Go-Go LX with CTS Suspension from Pride Mobility is one of the most advanced travel mobility devices on the market today. An all new frame design easily disassembles into five different pieces for storage and transportation. Match your mood with two sets of interchangeable coloured panels that allows you to change the look of your Go-Go from red to blue. With a foldable, compact seat, a front basket, standard lighting and non-scuff tires, the Go Go offers the features and performance that you are looking for in your travel scooter.

The CTS Suspension system on the Pride Go-Go LX separates this scooter from the rest of the travel scooters that are currently out there today. With Comfort-Trac front and rear independent suspension, the Go-Go LX provides you with a supreme handling experience. This scooter’s performance is enhanced by the front frame-mounted seat post that provides you with an additional sense of security.

The Go-Go LX is ideal if you are looking for portability and ease of transport with your mobility vehicle choice. The feather-touch disassembly allows for a simple frame separation using only one hand. When separated into its five travel components, the heaviest section weighs only 15.4kg giving you the option to take your LX anywhere that you need to. The charging port is located on the tiller, making it a breeze to access.

Continued next page -

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Mid-Range Scooters

Merits Eclipse 11

A medium size scooter from Merits, a brand recognised for reliability.

The Eclipse 11 is the flagship of the Merits Eclipse range. The large 11” wheels provide additional stability. The Eclipse 11 is also fitted with a Merits legendary 4 Pole Technology motor providing good power and more torque for those steep driveways and hills.

A great value for money scooter that is easy to use. Well thought out controls and ergonomics place all controls at your fingertips. The large batteries provide security of extended range the Eclipse will get you there and back.

The Eclipse 11 has excellent leg room for a scooter of its size. Good ground clearance and 4 wheel springing for a comfortable ride to the shops. It also boasts a multi-adjustable tiller for easy use and comfort and a built-in half speed safety switch which operates automatically when turning to provide extra safety.

Headlight and rear tail lights, indicators front and rear and reverse warning make this scooter suitable for all occasions, while the comfortable captain’s seat with swivel and slide adjustments and flip-up armrests with height, width and angle adjustments will ensure you get there in comfort.

Cost: $3800-4500 Key Specs: Top speed – 10kph Drive range – 40km Weight capacity – 159kg Motor – 1750w 4 pole Gradient grading – 10% Other mid-range scooter options: Shoprider 889 SL, Akifim Breeze C, Pride Pathrider 10 Deluxe 70908

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Large Scooters

Merits Regal 344A

QLD & NSW

This four wheeled mobility scooter has adjustable suspension on all wheels to allow individual modification for a smoother ride, a turning safety feature and an attractive front safety bumper. It is robust, sporty, comfortable and extremely powerful with its 650 watt 4 pole motor which makes driving up inclines or rough terrain a breeze.

It features finger and thumb controls, moulded seating, adjustable suspension and an off-board battery charger.

With 14” wheels, pneumatic tires and an 8% gradient rating the Regal 344A is designed to handle all sorts of terrain with ease while the regenerative, electromagnetic brakes ensure complete and safe control.

With a surprising turning radius of just 165cm and automatic steering half speed control by sensor you can be assured of complete control, even in tight or crowded situations, while a full lighting package with a loop style tiller for more effective lighting will ensure visibility is no issue even after dark.

With a new, improved, fully adjustable leather-feel seat, allowing for maximum rider comfort the Regal 344A is designed to get you where you want to go in style.

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Solicitors - Conveyancers –Business Advisers www.wilsonhayneslaw.com.au

Key Documents needed- as we age In your personal estate planning it is very important to consider 2 practical matters: Firstly, when you are alive and having a great time, what happens to your lifestyle if you become of unsound mind and unable to make decisions for yourself? The law in NSW provides that you can address this issue by appointing an Enduring Power of Attorney (to speak and act for you in financial matters, including property- related matters, such as selling your home to go into ‘Care”) and an Enduring Guardian (to speak and act for you in directions concerning your health.). In Qld, the Enduring Power of Attorney also enables you to nominate your Guardian. Wilson Haynes recommends that, as we age, all of us should make these formal appointments and review them every few years, or so. These appointments bring clarity to not only yourself, but also your loved ones around, “What will happen to Dad and Mum, if they get so sick they can’t make decisions for themselves?”

Secondly, when you have passed on and the wake has been held, what happens to your estate (assets, belongings and investments )? Wilson Haynes recommends that, both to avoid dying intestate and all the complications that this can cause and to bring certainty to your wishes, all of us should make a Will and have it stored in safe custody with Wilson Haynes or your bank, or somewhere equally as safe. Your Will document (‘your last will and testament’) needs to be carefully drafted to include who you want to be the Executor/s and Trustee/s of your estate to ensure compliance with your wishes; specific bequests to family or other parties, such as charities and close friends; tenancies for life for properties by parties who are living at your death; how do you want the Trustee of your superannuation investments to treat these funds; and testamentary trusts, where you make specific provision for, for example, grandchildren who you wish to directly benefit from your estate while they are minors (education) and, later, to take a lump sum.

Call us on 07 5536 3055 to book an appointment with Jim Wilson, our Principal, for an initial free 30-minute consultation, about your requirements in these two important aspects of your life.

Jim Wilson, Solicitor 07 55363055

Other large scooter options: Shoprider Rocky 6, Pride Pathfinder 140 XL, Akifim Breeze S

these amazing machines have revolutionised the life of many seniors

jim@wilsonhayneslaw.com.au

70928

Cost: $5250-6000 Key specs: Top speed – 17kph Drive range – 56km Weight capacity – 220kg Motor – 2200w Ground clearance – 10cm

MURWILLUMBAH

Community College RTO 90044

Enjoy learning for pleasure with your local, friendly and quality adult education provider!

• Computers for Beginners • Ingenious Ipads • Creative Art for Wellness • Silversmithing • French for Beginners • Yoga • Water colour painting • Drawing • Write your Family History And much more – concessions apply for seniors

A WIDE RANGE OF SHORT AND FULL QUALIFICATIONS FOR WORK ALSO PROVIDED More information available on website

www.mbahcc.net.au Contact our friendly staff on

02 6672 6005

OR CALL IN TO SHOP 9, MURWILLUMBAH PLAZA IN MAIN ST NEXT TO THE NEW LEAF CAFÉ Time of Our Lives

13

2015/Edition 1

Financial

Planning “We are the ones who will spend time with you and listen to what your needs are because everyone is different, therefore everyone will require different answers and different results.”

Stephen Pollard, a financial planner and Director of Oasis Financial Planning, agrees.

“Leading up to retirement and while in retirement there are a few essential things that need to be consider and addressed for every Australian,” said Mr Pollard.

“Know how much you need to live off each year. This will then help you work out how long your retirement savings and/or Super will last you.

“It can let you know if you have enough to retire on, or if you need to work a little longer.

“If you don’t have enough to retire on then it will allow you to start adjusting what you currently live off so that it is not a shock when you do retire.”

While it is something we all look forward to, those who have already retired know it can be a big shock but as Jeannie Anderson says the key

is asking the right questions before you reach that point.

“How much net cash do you need each week to live your chosen lifestyle? How many more years are you planning to work? How much do you have in your superannuation right now?

What other assets do you have? Will you be eligible for the age pension? Do you have the right insurances and estate planning in place?

“It is a discovery process to find out where you are at right now, where you want to be, when you want to be there by. And then we assist you in planning the journey there.

“We plan the strategies and steps that need to be taken, so you can reach your goals, in a systematic and stress-free way.”

One of the biggest decisions people face, as explained by Steve Pollard, is what to do with the family home.

“The family home is many Australians most valuable asset. The family home does not count toward Centrelink age pension assessment, but it leaves many asset rich and cashflow poor.

Continued next page –

70435

You’ve worked hard. You’ve saved. The kids have left home. And so now you want to know what you need to do so that when you retire, you can have the Time of Your Lives!

So, what should you be thinking about? Where you want to live? Which countries you’ll visit first? What parts of Australia you want to go explore?

Before you think of any of these things you should be thinking about how to afford them, how to pay for all those long-held dreams to come true. According to Mayberry, Meldrum, Anderson Accountant Jeannie Anderson the planning is the key.

“It’s never too early, or too late, to start planning, saving and implementing strategies that are wealth accumulating, and tax minimising so that you are left with a more financially secure future,” said Ms Anderson.

“Your trusted advisors should be your accountant and your financial advisor.

“They are the financial support team that will educate you, guide you, provide the up to date knowledge and strategies, and ensure you keep focused and on track.

Time of Our Lives

14

2015/Edition 1

From previous page – “One solution is to sell the family home and downsize. Buy a cheaper home, townhouse or unit. This will leave you with money in the hand, which can be put toward funding your retirement.

“The key is to then invest the money wisely.

“Where and how to invest your retirement savings is vitally important. Investing in Superannuation often puts people off because their super has not performed very well, or they lost money in Super.

“It was not Super that lost them money, it was the way the money was invested in Super.

Those who lose money nearly always have it invested the wrong way for their situation.”

According to Steve people should be changing the way they invest their money about four to five years before they retire.

“Simply changing your super to a more conservative investment option is not good enough,” he said.

“Conservative investment options still fall in value, so you will be drawing money out of a falling investment. This means you lose money even faster. You don’t want to be taking money out of a falling investment.”

Steve’s recommendation is to have three separate ‘buckets’ for your money. Bucket one should hold the total amount of money you need to draw on in the first four years of retirement. Invest it in cash, term deposits or similar, an investment with virtually no risk and steady returns. This is where you will draw income out of throughout retirement.

Bucket two should again hold enough money to pay you four years of income, income required

in years five to eight of your retirement. Invest in a low to moderate risk investment, which gives moderate returns.

Bucket three holds the remainder of your retirement money. Invest this in a longer term higher risk investment such as property or shares which will over time give higher returns.

“The key with the ‘Buckets’ is to then every few years, as Bucket one gets low, tip money from the Buckets two and three into bucket one. This means that no matter what the world economy does, such as a GFC (Global Financial Crisis), you will always have money to live off (Bucket One) while things recover (Bucket two and three) and you will not be drawing money out of a falling investment.”

One thing you may never have to worry about again, according to Steve, is paying taxes.

“Between the ages of 55 to 60, depending on your age, and for everyone 60 and over, you can invest in Superannuation tax-free and draw money out of super tax-free, provided your

super is structured correctly. This means you will never have to pay tax again on retirement money income and growth.”

Wherever you are at in your retirement planning Jeannie Anderson stresses the importance of getting expert advice and getting people who know the industry on your side.

“Your accountant and financial advisor are your team, they work together with a shared vision for you,” she said.

“They are the ones that you contact when you are concerned, they are the ones that you ring when something changes in the laws or in your own situations, and they are the ones that you meet with regularly so that you are always in control of your own financial situation.

“As accountants and financial advisors, our clients become like family, and our greatest satisfaction is in seeing our clients live the lives they want to be living, in a relaxed and enjoyable way.”

RETIREMENT SPECIALISTS - OASIS FINANCIAL PLANNING

70436

We help you take a realistic look at your retirement, & develop a plan that is simple to understand.

Unbiased retirement planning that focuses on the strategy best suited to what you want. We charge a fee for our advice, with no products and no investments sold, so no commission, making unbiased advice.

– Superannuation strategies – Retirement Planning – Age pension and Newstart allowance – Self-Managed Super strategies – Transition to Retirement Strategies – When to retire or reduce work – Investments: Property, Shares & Managed Funds – How much money you need To arrange a free, personalised meeting call us on 0427 729 448 or email: enquiry@oasisfinancialplanning.com.au

17+

yrs

CALL STEPHEN POLLARD ON 0427 729 448 OR VISIT WWW.OASISFINANCIALPLANNING.COM.AU FOR MORE INFORMATION Time of Our Lives

15

OF HELPING PEOPLE

2015/Edition 1

Seniors Week 2015 Program 14 - 22 March 2015 Saturday 14 March

Opening Ceremony & Seniors Awards Presentation - Tyalgum Community Hall, Coolman Street, Tyalgum. 9.30am-12pm (Buses return 2.30pm). Free. Bookings essential. For event - Jenny Unwin 0418 723 908. To book free bus transport - from Banora Point/Tweed, Lyn 07 5523 2030; from Murwillumbah/Tweed Coast, Jenny 0418 723 908.

Short Films featuring Senior Actors - Cinemax Cinema, 60 Marine Parade, Kingscliff. 10.30am-11.30am, 14 & 15 March. $9 Seniors Tickets. 02 6674 4422.

Sunday 15 March

One Hundred Years of WWI & Red Cross Exhibition - Tweed Regional Museum, Pioneer Park, Kennedy Drive, Tweed Heads West, Sundays 1pm-4pm, Tuesdays & Fridays 11am-4pm. Free. 07 5599 2286.

‘Sensory Delights with David de Giustino’ - Tweed Regional Gallery & Margaret Olley Art Centre. 11-11.45am Gardens in Art and 2-2.45pm Food in Art. Bookings Essential. Cost $5. 02 6670 2790 or email tweedart@tweed.nsw.gov.au.

Come and Try Day at Murwillumbah Croquet Club - Brisbane Street, Knox Park.

2.30pm-5.30pm. Free. Equipment and afternoon tea provided. Jan 02 6672 3087 or 0407 723 087.

Short Films featuring Senior Actors - Cinemax Cinema, 60 Marine Parade.

10.30am-11.30am, 14 & 15 March. $9 Seniors.

02 6674 4422, www.cinemaxcinemas.com.au.

Monday 16 March

J and B Bus Tour, Yamba to Iluka (by ferry) - $50 Includes bus, ferry, morning tea, tour, lunch. Bookings Essential. Pick ups at Murwillumbah and Tweed. Bookings and ticket collection on selected days only - see info at end of program.

Australian Hearing Open Day - Suite 3-4, Riverside Centre, 80-82 Keith Compton Drive, Tweed Heads. 9am-1pm. Free. Demonstrations, free cleaning of hearing aids, hearing screenings, morning tea.

Adrienne 07 5506 5400, adrienne.dorset@hearing.com.au.

Cash Housie/Bingo and Raffles - Kingscliff Beach Bowls Club, Marine Parade, Kingscliff. Cash Housie, 10am-12pm; raffles and entertainment, 12pm-3pm. Free.

Seniors meals $9.90 daily. Free local courtesy bus. 02 6674 1404, www.kbbc.com.au.

Nia Dance for Everybody - Kingscliff Community Hall, Marine Parade, Kingscliff.

9am-10am. Cost $5. A combination of dance, simple martial arts and yoga. Taryn 0410 964 806, taryn111@hotmail.com.

Heart Foundation Heritage Trail Walk and Historical Photo Display - Tumbulgum Hall, Cnr Riverside Drive and Government Road, Tumbulgum. 9-11am, 16 & 17 March. Cost $2. A flat, easy 50-60 min walk followed by a cuppa and viewing of historical photos. Wear walking shoes, bring water bottle. Sue and Brian 0413 081 974, suebreck@hotmail.com.

Murwillumbah Community Centre Community Choir - Murwillumbah Community Centre,Nullum Street, Knox Park. 10am-12pm. Cost $3. All welcome. 02 6672 3003, reception@mccentre.org.au.

Photography Workshop @ BPCC - Banora Point Community Centre, Cnr Leisure and Woodland Drives, Banora Point. 9.30am-11.30am. Free. Learn how to use your camera effectively. Bookings essential. Lyn Porter 07 5523 2030, lporter@tweed.nsw.gov.au.

PCYC Showcase Concert - PCYC, Cnr Florence and Adelaide Streets, Tweed Heads.

10am-11am. Free. Showcasing activities available for seniors at PCYC. Monique 07 5599 1714, www.pcycnsw.org.au/tweedhead.

Celebrating Seniors Morning Tea at Burringbar Hall - 1 Old Pacific Highway, Burringbar. 10am-12pm. Free. Entertainment, information, homemade morning tea.

Rosemary 02 6677 1357.

Twin Towns Friends Association Rock n Roll Exhibition and Light Lunch - Tweed Civic Centre, Cnr Wharf and Brett Streets, Tweed Heads. 11.30am-3pm. Cost $5.

Bookings essential. Doreen 07 5524 1841, doreenfriends1@bigpond.com.

Learn how to Download eBooks to your Mobile Device - Tweed Heads Library.

11.30am-12.30pm. Free. Bookings essential. 07 5569 3150, tweed@rtrl.nsw.gov.au.

Tuesday 17 March

Northern Breeze Tours, Bus Tour to Amberley Airforce Museum - $25 Includes bus, tour, morning tea. Lunch (own expense) at Brothers Rugby Club. 8.15am-4.00pm.

Pickup Tweed Civic Centre. Bookings essential by Friday March 6 due to advance security clearance requirements. Rob 07 5524 2264 rob.northernbreeze@gmail.com.

J and B Bus Tour, Port of Brisbane - $50 Includes bus, morning tea, tour and lunch.

Bookings Essential. Pick ups at Murwillumbah and Tweed. Bookings and ticket collection on selected days only - see info at end of program.

Free Hearing Screening - Centrelink, 100 Blundell Boulevard, Tweed Heads. 9.00am12.00pm. Free. Allow 10 minutes for a screening. Adrienne 07 5506 5400, adrienne.dorset@hearing.com.au.

Award-winning Cemetery Gardens Tour - Hosted by Tweed Shire Council. 10.00am2.00pm. Free. Meet in carpark of Tweed Valley Cemetery, Eviron Road, Eviron from 9.30am for 10am bus departure. Bus Tour of Tweed Heads Lawn, Murwillumbah Lawn

Time of Our Lives

16

and Tweed Valley Cemetery Gardens. Bookings essential. John Stennett 02 6670 2435, cemeteries@tweed.nsw.gov.au.

Tweed Heads Primary School, Annual Senior Citizens Concert and Morning Tea Tweed Heads Primary School, Stuart Street, Tweed Heads. 9.30am-11.00am. Free.

Bookings essential. 07 5536 1351, f.simpson@bigpond.com.

“Back to School” at Pacific Coast Christian School morning tea - Pacific Coast Christian School, 3a Acacia Street, Tweed Heads South. 9.00am-10.30am. Free.

Learn about new technologies, share stories, song, dance, art and morning tea.

Rachel 07 5523 9700.

Heart Foundation Heritage Trail Walk and Historical Photo Display - Tumbulgum Hall, Cnr Riverside Drive and Government Road, Tumbulgum. 9-11am, 16 & 17 March.

Cost $2. A flat, easy 50-60 min walk followed by a cuppa in the Tumbulgum Hall and viewing of historical photos. Wear walking shoes, bring water bottle. Sue and Brian 0413 081 974, suebreck@hotmail.com.

Broadband for Seniors - Murwillumbah Community Centre, Nullum Street, Knox Park. 9am-3pm. Free computer lessons for seniors/over 50s. Bookings essential.

02 6672 3003, reception@mccentre.org.au.

Lifeball at Tweed Supersports Centre - Tweed Supersports Centre, Lot 1, Chinderah Bay Drive, Chinderah. 9.30am-11.30am. Free. Similar to netball but at a walking pace. George Shipley 07 5524 4558.

Seniors Exploring New Directions in IT - Pottsville Beach Neighbourhood Centre, 10b-12a Elizabeth Street, Pottsville. 10am-3pm, 17&18 March. Free 1:1 one hour sessions on a device of choice. Bookings essential. 02 6676 4555 info@pbnc.org.au.

Introduction to U3A Twin Towns Inc - St Cuthbert’s Hall, Florence St, Tweed Heads.

9.30am-1.45pm. Free. A showcase of activities at our various venues. Robyn 0418 759 868, u3atwintowns@gmail.com.

Ballroom and Latin Song and Dance Performance and Morning Tea - Hosted by Tweed Shire Council Community Options. Tweed Heads Civic Centre Auditorium, Cnr Brett and Wharf Streets, Tweed Heads.

10am-12pm. Free. A crowd pleasing show of Ballroom and Latin numbers, comedy and amazing singing. Bookings essential. 07 5569 3110 copemails@tweed.nsw.gov.au Paper Craft Workshop @ BPCC - Banora Point Community Centre, Cnr Leisure and Woodland Drives, Banora Point. 1.00pm-3.00pm. Free. Bookings essential. Lyn Porter 07 5523 2030, lporter@tweed.nsw.gov.au.

Aveo Movie ‘The Best Exotic Marigold Hotel’ & Afternoon Tea - Aveo Mountain View Retirement Village, 1 Ingram Place, Murwillumbah. 1.30pm-4.00pm. Free.

Bookings essential. 02 6672 4800, david.porter@aveo.com.au.

Ukulele Beginners Workshop @ BPCC - Banora Point Community Centre, Cnr Leisure and Woodland Drives. 4-6pm. Free. Bookings preferred. Lyn Porter 07 5523 2030, lporter@tweed.nsw.gov.au.

Wednesday 18 March

Seniors Information Hub @ BPCC - Banora Point Community Centre, Cnr Leisure and Woodland Drives, Banora Point. 9.00am-4.00pm. Free. Visit the Hub and find out about the many activities available for seniors. Lyn Porter 07 5523 2030, lporter@tweed.nsw.gov.au.

Seniors Exploring New Directions in IT - Pottsville Beach Neighbourhood Centre, 10b-12a Elizabeth Street, Pottsville. 10am-3pm, 17&18 March. Free 1:1 one hour sessions on a device of choice. Bookings essential. 02 6676 4555 info@pbnc.org.au.

Free Hearing Screening - Murwillumbah Library, Civic Centre, 10 Tumbulgum Road, Murwillumbah. 9.30am-12.30pm. Free. Allow 10 minutes for a screening. Adrienne 07 5506 5400, adrienne.dorset@hearing.com.au.

Nia Dance for Everybody - Tugun Progress Hall, 433 Golden Four Drive, Tugun.

9.30am-10.30am. Cost $5. A combination of dance, simple martial arts and yoga.

Taryn 0410 964 806, taryn111@hotmail.com.

Harmony Day Morning Tea - Hosted by the Far North Coast Multicultural Working Group. South Tweed Hall, Cnr Heffron and Minjungbal Drives, Tweed Heads. 9.30am12.30pm. Free. A celebration of diversity within our community and an opportunity to learn about different cultures. Wendy Constantine, 02 6672 3003, manager@mccentre.org.au.

Introduction to Croquet, Tuition & Play - Tweed Heads Croquet Club, 39 Recreation Street, Tweed Heads. 9.30am-12.00pm. Free. Jackie 0422 496 707, tweedheads@croquetqld.org.

Beginners’ Yoga at Murwillumbah Community Centre - Nullum Street, Knox Park.

10.00am-11.30am. Gold Coin Donation. Ph 6672 3003 reception@mccentre.org.au.

Seniors Concert and Morning Tea at Murwillumbah Public School - New Hall, Riverview Street, Murwillumbah. 10.00am-11.30am. Free. Ph 02 6672 1467.

All Saints Anglican Church Morning Tea - All Saints Anglican Church, 26-30 Byangum Road, Murwillumbah. 10am-12pm. Free. 10am Holy Communion, 10.45am Morning Tea, 11am Sing-along. Rev Bruce Sligo 02 6672 6070.

Cedric House Respite Cottage Open Day - 65 Ducat Street, Tweed Heads.

11.00am-12.00pm. Free. Visit our 5 bed, short term, low care facilitys. Veronese Burgess 07 5536 2105, ablagecare@bigpond.com.

2015/Edition 1

Learn how to Download eBooks to your Mobile Device - Tweed Heads Library.

2.30pm-3.30pm. Free. Bookings essential. 07 5569 3150, tweed@rtrl.nsw.gov.au.

Free Heartmoves Exercise Class - Banora Point Community Centre, Cnr Leisure and Woodland Drives, Banora Point. 2.00pm-3.00pm. Free trial class during month of March. Heart Foundation approved gentle exercise program. Louise Valois 0432 182 909.

African Drumming Workshop @ BPCC - Banora Point Community Centre, Cnr Leisure and Woodland Drives, Banora Point. 3.30pm-4.30pm. Free. Bookings preferred. Lyn Porter 07 5523 2030, lporter@tweed.nsw.gov.au.

Thursday 19 March

J and B Bus Tour, North Stradbroke Island - $50 Includes bus, ferry, morning tea, tour and lunch. Bookings Essential. Pick ups at Murwillumbah and Tweed. Bookings and ticket collection on selected days only - see info at end of program.

Serene Celebration of Food with Masterchef contestant Jules Allen - Serene Living, 31 Florence Street, Tweed Heads. 11.00am & 2.00pm sessions. Bookings essential. Ph 07 5536 6820.

Free Hearing Screening - Kingscliff Library, Turnock Street, Kingscliff. 9.30am12.30pm. Free. Allow 10 minutes for a screening. Adrienne 07 5506 5400, adrienne. dorset@hearing.com.au.

Harmony Day Belly Dance Exhibition at Tweed Heads Library - Cnr Brett and Wharf Streets, Tweed Heads. 11.30am-12.30pm. Free. Light refreshments provided.

Bookings essential. Ph 07 5569 3150, tweed@rtrl.nsw.gov.au.

Tweed Regional Museum Murwillumbah, ‘Behind the Scenes’ Collection Tour - Tweed Regional Museum Murwillumbah Collection Store, 23 Honeyeater Circuit, South Murwillumbah. (Booked participants will be provided with detailed directions).

10.30am-11.30am. Bookings essential. Ph 02 6670 2493, kandrew@tweed.nsw.gov.au Seniors Information Hub @ BPCC - Banora Point Community Centre, Cnr Leisure and Woodland Drives, Banora Point. 9.00am-4.00pm. Free. Visit the Hub and find out about the many activities available for seniors. Lyn Porter 07 5523 2030, lporter@tweed.nsw.gov.au.

Come and Try Day at Murwillumbah Croquet Club - Brisbane Street, Knox Park 2.30pm-5.30pm. Free. Equipment and afternoon tea provided. Jan 02 6672 3087 or 0407 723 087.

Mind Body Morning @ BPCC and light lunch - Banora Point Community Centre, Cnr Leisure and Woodland Drives. 10.00am-12.00pm. Free. Fun seated movement, trivia and mind puzzles, presentation of short story winner. Bookings essential. Lyn Porter 07 5523 2030, lporter@tweed.nsw.gov.au.

Household Energy Savings and Water Efficiency by Spurtopia and Tweed Shire Council - South Sea Islander Room, Tweed Heads Civic Centre, Cnr Wharf and Brett Streets, Tweed Heads. 12.00pm-1.00pm. Free. Bookings essential. Debbie Firestone 02 6670 2400 or dfirestone@tweed.nsw.gov.au http://spurtopia.blogspot.com.au.

Sustainability for Seniors by Spurtopia and Tweed Shire Council - South Sea Islander Room, Tweed Heads Civic Centre, Cnr Wharf and Brett Streets, Tweed Heads.

1.30pm-3.00pm. Free. Sustainable living in small spaces. Learn new ways of growing your own food. View inventions made from recycled materials like the self-watering planter box. Bookings essential. Debbie Firestone 02 6670 2400 or dfirestone@tweed.nsw.gov.au, http://spurtopia.blogspot.com.au.

Crackpot Players Workshop @ BPCC - Banora Point Community Centre, Cnr Leisure and Woodland Drives. 1.30pm-2.30pm. Free. Bookings preferred. Lyn Porter 07 5523 2030, lporter@tweed.nsw.gov.au.

Introduction to U3A Twin Towns Inc - Tweed Library, Cnr Wharf and Brett Streets, Tweed Heads. 9.30am-3.00pm. Free. A showcase of activities at our various venues.

Robyn 0418 759 868, u3atwintowns@gmail.com.

Friday 20 March

J and B Bus Tour, Ballina Naval & Maritime Museum and Summerland House Farm - $50 Includes bus, morning tea, tour and lunch. Bookings Essential. Pick ups at Murwillumbah and Tweed. Bookings and ticket collection on selected days only - see info at end of program.

Nia Dance for Everybody - Kingscliff Community Hall, Marine Parade, Kingscliff.

9am-10am. Cost $5. A combination of dance, simple martial arts and yoga. Taryn 0410 964 806, taryn111@hotmail.com.

Going Wild, Exquisite Animal Portraits - Coolamon Centre, 3-5 Tumbulgum Road, Murwillumbah. 9.30am-12pm and 12.30pm-3pm. Cost $5 per session. Learn to improve your painting skills and produce a portrait of a loved pet or animal in acrylic paint. Bookings essential. Suzane 0421 558 157. suzanepredi@yahoo.com.au.

FABS Open Day @ BPCC - Banora Point Community Centre, Cnr Leisure and Woodland Drives. 9.15am-2.30pm. Free. Call in for a cuppa and see what the FABS program (Fun Activities Banora Seniors) has to offer. Lyn Porter 07 5523 2030, lporter@tweed.nsw.gov.au.

Carool Public School Assembly and Harmony Day Morning Tea - Carool Public School, 411 Carool Road, Carool. 10.30am. Free. 07 5590 9876, carool-p.school@det.nsw.edu.au

Time of Our Lives

Learn how to Download eBooks to your Mobile Device - Tweed Heads Library.

2.30pm-3.30pm. Free. Bookings essential. Ph 07 5569 3150, tweed@rtrl.nsw.gov.au.

Murwillumbah Autumn Club Country Music Concert - Autumn Club, 16 Tumbulgum Road, Murwillumbah. 7.30pm-10pm. Free. Noela Gresham 02 6672 2262.

Free Hearing Screening - Banora Point Community Centre, Cnr Leisure and Woodland Drives. 9.00am-3.00pm. Free. Allow 10 minutes for a screening. Adrienne 07 5506 5400, adrienne.dorset@hearing.com.au.

Seniors Information Hub @ BPCC - Banora Point Community Centre, Cnr Leisure and Woodland Drives, Banora Point. 9.00am-4.00pm. Free. Visit the Hub and find out about the many activities available for seniors. Lyn Porter 07 5523 2030, lporter@tweed.nsw.gov.au.

Multiple Days: Aqua Fitness for Seniors - Tweed Regional Aquatic Centres (Kingscliff, Tweed Heads, Murwillumbah). Free trial class on presentation of Seniors Card, valid 14-22 March. For class times refer www.trac.tweed.nsw.gov.au, or phone 02 6670 2549.

Regent Cinema Murwillumbah Seniors at Kids’ Prices $8 - 14-22 March - 5 Brisbane Street, Murwillumbah. Sessions times, refer www.cinemaregent.com, or phone 02 6672 8265.

Free Seniors Thank You Lunches - 16th, 18th and 20th, 12pm-2pm - Banora Point Community Baptist Church, 19-21 Corporation Circuit, Tweed Heads South. Free.

Bookings essential. John 0402 086 075, jb@optusnet.com.au.

Family History Open Week, 16-21 March, 10am-3pm daily - Hosted by Tweed Gold Coast Family History & Heritage Association Inc. Family History Research Room, South Tweed Sports Club, 4 Minjungbal Drive, Tweed Heads South. Free. Discover how to research your family tree. Marion 07 5524 8531.

Introduction to Computers & Technology, NSW Seniors Week at The CTC@ Uki - Mon-Fri, 16-20 March, 9am-4pm - The Buttery Building, 1454 Kyogle Road, Uki. Bookings essential. Ph 02 6679 5399, ctcuki@bigpond.net.au.

One Hundred Years of WWI & Red Cross Exhibition - Sundays 1pm-4pm, Tuesdays & Fridays 11am-4pm. Tweed Regional Museum, Pioneer Park, Kennedy Drive, Tweed Heads West, Free. Ph 07 5599 2286.

Additional Info: Memories on the Move, Travelling Storytelling Program - A storytelling program travelling to aged care facilities in the Shire. Various days and times during Seniors Week. Bookings essential. To book a time, contact Murwillumbah Library 02 6670 2427, Tweed Heads Library 07 5569 3150.

South Tweed Bowls Club, Seniors Week Offers & Giveaways - Free information kit detailing our sporting and social intra clubs, a discounted membership offer and a Seniors only competition to win 1 of 2 x $25 vouchers to spend with one of our intra or social clubs. Ph 07 5524 3655, email info@southtweedsports.com.au or web www.southtweedsports.com.au.

Coming Up: Uki Public School Seniors Concert and Morning Tea - 27 March 2015, 10.00am.

Free. Ph 02 6679 5128.

Honour Our Elders Day - 19 April 2015, 9.30am-2.00pm. Hosted by the Uki Village & Districts Residents Association. Uki Public Hall, Kyogle Road, Uki. Free. Massage and natural healings. Held in conjunction with the Uki Buttery Bazaar. Contact Philip Carr or Ida Daly, Ph: 02 6679 5855 philipcarr@westnet.com.au

Transport: If you are unable to use public transport to attend an event, contact Val Quinn 07 5523 2840 for advice.

J&B Bus Tours - Bookings and Ticket Collection: Advance telephone bookings essential on 2nd and 3rd March only Phone 0427 453 091 or 042 898 7495.

Ticket payment and collection on Monday 9 March only 9am-11am, Coolamon Centre, 3-5 Tumbulgum Road, Murwillumbah OR 12pm-2pm Tweed Civic Centre, Cnr Wharf and Brett Streets, Tweed Heads.

Times: All times are Day Light Saving NSW. Please note that whilst Tweed Shire Council publishes this program for the information of seniors in Tweed Shire, there can be no responsibility taken for the accuracy of information supplied by community groups.

Full program with more details available at www.tweedseniors.org or pick up a more detailed program at Council Offices, Tweed Libraries, Licensed Clubs and Community Centres.

To contact the Tweed Shire Seniors Committee, ph Vic Crowley 0404 900 882 or Noela Gresham 02 6672 2262.

17

2015/Edition 1

Free yourself from the feeling of dry, tired eyes Blink® Intensive Tears visco-adaptive formula mimics natural tear mucin structure to provide longer-lasting relief with less blur.1-3

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Time of Our Lives

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2015/Edition 1 23/02/15 12:19 PM

I Can See Clearly Now… A breakthrough in cataract lens implant technology means eyeglasses may soon be a thing of the past for those with the debilitating eye condition.

E

yeglasses could soon be a thing of the past for the 1.5 million people living with cataracts in Australia following the release of a new technology that will give people with an extended range of vision and a higher level of independence from glasses.

The vision care business of the healthcare company, Abbott, has introduced an advancement over traditional technologies — the new TECNIS Symfony intraocular lens (IOL). It is the first and only extended range of vision lens available that will help people with

cataracts to see better at all distances, including far, intermediate and near, with increased freedom from eyeglasses.

Traditionally after cataract surgery, people may still require eyeglasses. However, clinical trials for the TECNIS Symfony IOL showed that 100 per cent of patients who had the lens implanted no longer required glasses for vision at a distance, while 94 per cent said they didn’t need glasses for ‘arm’s length’ reading, and 87 per cent could go without them for ‘close at hand’ reading.

The development of this new and unique technology allows patients to benefit from improved cataract surgery outcomes, and a better quality of life after surgery.

Doctor James Genge from Freedom Eye Laser at Northern Beaches Eye Surgery in Dee Why says the Symfony IOL enables cataract patients to achieve an enormous range of focus and superb clarity of vision.

“The Symfony lens represents a brilliant advance in intra-ocular lens technology,” said Dr Genge.

Continued next page -

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Time of Our Lives

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Time of Our Lives

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from previous page “For the first time, we can now provide our patients with wonderful clarity at distance, comparable to a monofocal lens, a completely clear spectrum of vision from distance to intermediate, and useful reading, all without glasses.

“The incredible quality of the distance vision is a revelation and I’m constantly receiving feedback as to how vivid and crisp the world now appears. Achieving this range and clarity of vision enormously enriches my patients’ quality of life.

“A life without scrambling for glasses to read a menu, a newspaper or use a computer is wonderful. My patients love the independence from glasses they achieve without any compromise in visual quality. It is truly the best of both worlds,” said Dr Genge.

The Symfony IOL can be used to treat people with cataracts who may also have a diminished ability to focus on near objects, known as presbyopia. The lens differs from traditional technologies in that it has a unique ‘echelette’ design – a circular, grooved surface – that elongates the eye’s focus across a continuous range of distances, without sacrificing a person’s visual clarity or contrast.

Alan Jones from Tumbulgum in Northern NSW was diagnosed with cataracts in 2014 after visiting his GP complaining of increasingly blurred, grey and poor vision. He had the Symfony IOL implanted in December 2014. After living an active life, previously playing first class cricket, he knows how important eyesight is.

“I started wearing eyeglasses when I was 45 and I was fed up. Since the lenses were implanted, the

20

difference has been unbelievable and I am now totally independent from eyeglasses,” said Mr. Jones.

“At this stage of my life, when everything is going backwards, to have something like your eyesight restored to perfect is something I never, ever thought would be possible.”

In 2013, more than 228,000 cataract surgeries were performed in Australia, of which 81,497 were performed in New South Wales and the ACT. Cataract is the most common eye condition in Australia to cause visual impairment and cataract surgery is the most common elective surgical procedure in Australian hospitals.

With cataracts increasing in prevalence as people live longer, Australia will see the incidence of cataracts move well beyond the 1.5 million people over the age of 55 living with the condition, and the demand for surgery will continue to grow.

“Essentially, if you live long enough you will develop cataracts. The Symfony IOL allows us to not only regain the visual quality degraded by cataract, but also achieve spectacle independence with no night vision issues and wonderful clarity,” said Dr Genge.

Cataracts are more likely to affect women than men, with other risk factors including smoking, diabetes, a family history of cataracts, a previous eye injury or long, unprotected sun exposure.

If you experience any signs commonly associated with cataracts, such as blurred vision, sensitivity to glare, distorted vision in the affected eye, or symptoms of cloudiness, visit your GP, optometrist or ophthalmologist.

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You are what you eat Dietician Ngarre Hobbins discusses the importance of diet with tips from her book Eat to Cheat Ageing.

“Older Australians need to think differently about what they eat and stop listening to health advice that no longer applies to them before its too late.” says dietitian Ngaire Hobbins. s we age, a lot of popular health advice becomes increasingly irrelevant to us – advice like losing weight, eating less meat and dairy food or always choosing low fat – that sort of advice might do us harm instead of good as we move away from 60 towards 90 or beyond.

As a dietitian specialising in geriatrics I’ve seen too many older people arrive in hospital or having to contemplate the move into assisted care before they should have to, just because they didn’t realise that the nutritional needs of ageing bodies are not the same as those that are right for younger adults.

I’m passionate to see seniors heading out on the road as nomads, loving their tennis, travelling the world or hanging out with their grandkids enjoying independent, productive lives. Aligning your thinking about food to support the unique needs of your ageing body is essential to achieveing that.

But far too often I am confonted instead with people who believed they were doing the right things but ended up struggling physically and mentally and having the life they had hoped for snatched away.

A

I wrote the book ‘Eat To Cheat Ageing’ as a result. I spent two years scouring the science to be sure that what we found in clinical practice was what the medical research also found – and

it was. So I combined my experience with the science and put it together in words that are approachable for all.

In so many ways the key to health and independence lies with your muscles. That’s because muscles do so much more than move you around – they are also vital to an effective immune system that combats illness from a sniffle to a life threateing post-surgical infection; to keeping every body organ functioning; to repairing wounds from cuts and scratches to the

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Time of Our Lives

trauma of a major accident; to keeping diabetes under control and to keeping up critical brain fuel supplies.

You see, your muscles are a store of protein in the body – they give up small amounts of their own protein all the time for these essential functions and when you are young that is efficiently replaced so it causes no problems.

But ageing changes that – the demands increase with extra wear and tear and your ability to replace what has been used diminishes.

For your muscles to be there for you when you need them, you must always be on the look out for ways to maintain and even boost them with exercise and activity that reminds them they are still needed, and by eating protein foods needed for rebuilding.

I usually suggest putting a protein food at the centre of three meals a day, with a bit extra if you are unwell, have had an accident or are facing surgery because those mean you’ll need more.

If you follow advice like always eating plates piled high with salad, veges or fruit with only a hint of meat, fish or cheese, you diet to lose weight, or accept that older age means slowing down, your muscle reserve will suffer and jeopardise your vitality and independence.

Continued next page -

Healthy eating is a phone call away SMALL, proud and successful businesses are the backbone of our rich economy. These businesses are usually started, with the passion of one person, to provide a service that is as unique as it is a necessity.

One such outstanding company is Tender Loving Cuisine (TLC), an awardwinning service providing healthy meals for people who are elderly, disabled or have special dietary requirements.

TLC has excelled and succeeded as one of the most popular and respected food delivery services along the east coast of Australia.

Elements for success include the vision to create a product that is needed in the community along with high standards of customer service. Dedicated staff, an impeccable kitchen, high quality control, and friendly delivery services in Sydney, the North and South Coasts of NSW and throughout Victoria, mean TLC has earned the respect of government departments and community organisations alike.

Founded almost 17 years ago by CEO Jack Barker whose vision was to offer a home delivered meal services of the highest quality while being affordable to people from all areas of our diverse community. When asked what he’s most proud of with TLC, he said “I wanted to create an organisation that is always customer focussed, and to be satisfied all our customers receive a

22

nutritious and delicious meal no matter what they choose from the menu. “For me, it’s all about community health and wellbeing,” said Jack.

Healthy homestyle meals Many dieticians as well as general practitioners are recommending Tender Loving Cuisine as a healthy dietary option. Dr Stephanie Butler of Mindbodywellth Family Practice at Hunters Hill is seeing the benefits of older patients getting regular home deliveries of healthy meals.

“Over the past 25 years, our practice has seen a wide range of patients including many seniors needing guidance with nutrition and advice on maintaining their wellbeing,” said Dr Butler.

“A healthy, balanced diet is important at any age but if patients need assistance with home delivered meals, I am happy to recommend Tender Loving Cuisine,” she said.

“They provide a comprehensive range of Health Accredited meals. Our patients have expressed their satisfaction not only with the quality, choice and homestyle taste of the meals but also with the excellent service offered by Tender Loving Cuisine,” she said.

To see whether TLC is available in your area, go to www.tlc.org.au or call 1800 801 200.

2015/Edition 1

you have to also diet to lose weight.

One thing I hear often from older people are words like: “but I dont need to eat as much now”, or “I’m just not that hungry anymore”.

There are all sorts of reasons for changes in appetite – medications, life events, illness and more – but whatever your appetite is telling you, the fact is that older people actually need MORE, not less of some nutrients and it’s just not physically possible to be full after three spoonfuls of a meal. There is a whole chapter on this in the book but it boils down to realising you do need to eat to support your body, especially those muscles, no matter what your appetite is saying. Smaller meals and snacks focusing on nutrient rich foods high in protein and antioxidants, eaten frequently are ideal.

And serendipitously, treat foods have an important part to play if your appetite is flagging. Being allowed, even encouraged, to relish your favourite treat food can do the trick to trigger your appetite back on track.

Eating to get the most out of your later years is not about buying the latest miracle food or searching for the most recent antioxidant gold mine – it’s about enjoying those real, everyday foods we know and love. www.eattocheatageing.com www.facebook.com/ eattocheatageing

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From previous page Animal proteins from meat, fish, eggs or dairy have an advantage because they’re more concentrated and are better at boosting muscle. Vegetarians can choose nuts, seeds, legumes and grains but must be vigilant to be sure to get enough protein.

To those add as many coloured foods - vegetables, salads, fruits and the like - as you can to boost recuperative antioxidants.

And, to the joy of many I’m sure, the advice on bodyweight is ‘whatever you weigh now, don’t go losing any.’ That’s because weight loss in later age will always mean you lose some muscle. You can hold that at bay by doing good, targeted exercise and getting enough protein but dieting to lose weight from now on will do more harm than good.

It’s not uncommon for older people to lose weight without intending to. And while that might seem to be a bonus – especially if you struggled to keep your weight in check in your younger days – instead it’s a warning sign. Even a few kilos lost unintentionally can impact your immune system and your ability to repair wounds.

What’s more, science proves that people who are a bit heavier fare better health and independence-wise than those who are thin so its worth relaxing a bit. Staying active is always essential, but don’t think

What older people really need to eat to stay healthy and independent.

The nutrition needs of the body and brain in later years are not the same as those of younger adults.

Ngaire Hobbins is a dietitian with a special passion for the unique nutrition needs of seniors. Her frustration at seeing too many older people suffering physical and mental decline when something as simple a change in diet may have seen them continue their productive, independent lives led to EAT to CHEAT AGEING. EAT to CHEAT AGEING helps the reader understand the reasons behind the unique nutritional needs of ageing bodies and brains in an engaging and readerfriendly style. There are no magic drinks or special pills. It’s about going back to basics: doing activities and eating real food, and in combinations that help not hinder the body meet the challenges of later age.

Books are available at bookstores or via the website below: www.eattocheatageing.com.au www.facebook/eattocheatageing.com

Time of Our Lives

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2015/Edition 1

Healthwatch Heartburn: Treatment and tips to avoid

H

eartburn (gastro-oesophageal reflux or indigestion) is very common. Most of us will experience heartburn at some point – whether it’s after a big meal, from undertaking strenuous activity too soon after eating, as a symptom of pregnancy, or from eating and drinking too much. Heartburn is also one of the symptoms of peptic ulcer disease.

Heartburn is caused by the contents of the stomach coming back up into the oesophagus (the ‘food pipe’), resulting in a burning sensation in the chest or throat. As the stomach contents are mixed with stomach acid, digestive enzymes and chemicals, the regurgitation or backwash causes a burning feeling. This is generally described by reflux sufferers as beginning in the stomach or lower chest and moving upwards behind the breastbone towards the neck or throat.

Persistent reflux that occurs more than twice a week is referred to as gastro-oesophageal reflux disease (GORD), and can eventually lead to more serious health problems. People of all ages can have GORD, which is considered a chronic disease, like asthma or high blood

pressure, and therefore ongoing treatment and management is usually necessary.

Three types of medicines are available in Australia to treat the symptoms of heartburn and reflux. Speak to your doctor or pharmacist about the best medicine for you and your symptoms, particularly if you are taking any medicines for other conditions. In the case of heartburn, antacids may have an effect on other medicines you may be taking.

If you only suffer from the occasional episode of heartburn, or your symptoms are mild, overthe-counter (OTC) antacids available at your pharmacy may provide symptomatic relief.

Antacids act to relieve heartburn by neutralising stomach acid. These medicines are available as tablets or liquids, and should be taken when symptoms occur.

Talk to your doctor or pharmacist if you are still experiencing heartburn or other reflux symptoms even when taking antacids, and mention that you are not getting any relief. They may be able to suggest an alternative medicine.

Healthwatch text supplied by Con Varela Pharmacy.

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Time of Our Lives

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2015/Edition 1

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These are particularly helpful for carers and in case of hospital visits.

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Ph: (02) 6672 2388 25

2015/Edition 1

New ideas, new friends and new opportunities – life in the

University of the Third Age

If the key to enjoying life after retirement is staying involved, active and stimulated by new ideas there is one group which does more to help people reach those goals than any other.

The University of the Third Age (U3A) is an international organisation dedicated to the continuing education and community involvement of people who have entered the ‘Third Age’ of life.

With a wide range of courses, classes and guest speakers on offer the focus of U3A is to pass on and share the life experience of its members in a non-competitive, social environment.

Lynda Tait from U3A Tweed Coast said they try to provide learning environments for anyone who wants to try something new.

“At U3A Tweed Coast we believe that a wellrounded, intellectually diverse life, a good social network, social engagement and physical activity help to keep our brains healthy for as long as possible,” said Ms Tait.

“Our organisation ticks all these boxes and enables people in their Third Age to continue to share the journey of life-long learning.

“Group leaders at U3A Tweed Coast provide their time and services free of charge, which combined with the generosity of venue managers and the fact that we do not operate our own office, enables us to keep our fees to a minimum.

“For the small subscription of $35 a year mem-

Time of Our Lives

bers may attend as many classes as they wish without further cost.

“Our curriculum is extensive and our volunteer group leaders offer classes ranging from yoga to art, music to foreign languages, writing groups, book clubs, discussion group, poetry, tech talk, tennis and much, much more.”

The U3A movement started in France in 1973 and came to Australia in 1984 with the first branch opening in Melbourne.

It has since grown nationally to the point where in 2013 there were more than 85,000 members attending classes in 250 U3A groups across the country.

New U3A student Marcia Thomson said the most difficult thing about getting involved was choosing from the huge number of courses available.

“I have chosen a range of courses - Life Writing, Beginners Mahjong, Digital Photography/technology and Tai Chi and Qi Gong - I’m enjoying each and every one of them,” she said.

“Not only am I learning but I am building up my social network.

“I was widowed two years ago and found it very hard and stressful to go out socially, being involved with U3A has opened up my life again in a safe and comfortable environment.

“I recommend U3A to all who would like more stimulation and friendship in their lives.”

Another member, Karen Austin-Schofield, said

26

she came across U3A when she was looking for a class to improve her writing skills.

“I was looking for opportunities to improve my writing and make friends with others who enjoy writing like I do,” said Ms Austin-Schofield.

“When I first walked into the group and realized that I was much younger than everyone else and had vastly different life experiences, I wondered why I was there but I was soon made to feel comfortable and felt like I was among friends.

“Not only am I the youngest of the group, but I am also the only American, newly married to an Australian and fairly new to Australia.

“Their encouragement and feedback has been greatly appreciated as I work on writing a book which will share my life story with the hope of inspiring and encouraging others.

“Listening to their life’s stories brings an era alive to me that I have not lived through and it also brings Australian culture, geography and history alive for me.

“As time goes on and I become more settled in Australia and find the time to complete my book, I will enjoy becoming more involved in some of the other classes that U3A offers.”

U3A Tweed Coast classes are held in venues from Pottsville to Tweed Heads with the majority based in Kingscliff.

Ms Tait said whatever class is on offer they always focus on providing a friendly atmosphere and a warm welcome to new members.

“As a member of the U3A Tweed Coast Committee, I find it gratifying that the efforts we put into our organisation to provide enjoyment for local seniors in a happy, well organised program, have such a positive outcome,” she said.

For more information about the University of the Third Age on the Tweed Coast, including a full list of programs, visit www.tweedcoast. u3anet.org.au.

2015/Edition 1

70902

Time of Our Lives

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2015/Edition 1

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Mr. Property Services’ proven performance record is supported by a strong understanding of Lifestyle Village and Residential Park living, regulatory and legal requirements, market trends, and dedicated commitment to helping both buyer and seller.

Mr. Property Services is frequently asked the question by prospective ‘Sellers’: We would like to list our property with you but our park office is telling us that if you sell our home, we still have to pay a sales commission to “Lifestyle Village & Residential Park Specialist” the park office! Is that true? Can they insist A company that prides that we pay a fee to the park office!

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Residential parks in Should you have any concerns regarding the Tweed Valley. selling your home or any other residential park matter we suggest contacting the newly formed Tweed Residential Parks 139 Minjungbal Drive, Tweed Heads South Homeowners Association (TRPHA) which has been established to specifically Ph: Mob: look after the interests of the 3,000+ Email: kprice@mrpropertyservices.com.au residents who live in Lifestyle Villages and

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Time of Our Lives

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Residential Parks in the Tweed Valley.

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of Our Lives Time

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H G TER U A L ...the Best Medicine A WOMAN brought a very limp duck into a veterinary surgeon. As she laid her pet on the table, the vet pulled out his stethoscope and listened to the bird’s chest. After a moment or two, the vet shook his head and sadly said, “I’m sorry, your duck, Cuddles, has passed away.”

The distressed woman wailed, “Are you sure?”

“Yes, I am sure. Your duck is dead,” replied the vet. “How can you be so sure?” she protested.

“I mean you haven’t done any testing on him or anything. He might just be in a coma or something.” The vet rolled his eyes, turned around and left the room. He returned a few minutes later with a black Labrador Retriever.

As the duck’s owner looked on in amazement, the dog stood on his hind legs, put his front paws on the examination table and sniffed the duck from top to bottom. He then looked up at the vet with sad eyes and shook his head The vet patted the dog on the head and took it out of the room. A few minutes later he returned

with a cat. The cat jumped on the table and also delicately sniffed the bird from head to foot. The cat sat back on its haunches, shook its head, meowed softly and strolled out of the room. The vet looked at the woman and said, “I’m sorry, but as I said, this is most definitely, 100% certifiably, a dead duck.” The vet turned to his computer terminal, hit a few keys and produced a bill, which he handed to the woman.. The duck’s owner, still in shock, took the bill. “$150!” she cried, “$150 just to tell me my duck is dead!” The vet shrugged, “I’m sorry.

If you had just taken my word for it, the bill would have been $20, but with the Lab Report and the Cat Scan, it’s now $150.”

A LITTLE old man shuffled slowly into an ice cream parlour and pulled himself slowly, painfully, up onto a stool… After catching his breath, he ordered a banana split. The waitress asked kindly, ‘Crushed nuts?’ ‘No,’ he replied, ‘Arthritis.

AN out-of-towner drove his car into a ditch in a desolated area. Luckily, a local farmer came to help with his big strong horse named Buddy. He hitched Buddy up to the car and yelled, “Pull, Nellie, pull!” Buddy didn’t move.

Then the farmer hollered, “Pull, Buster, pull!”

Buddy didn’t respond. Once more the farmer commanded, “Pull, Coco, pull!” Nothing. Then the farmer nonchalantly said, “Pull, Buddy, pull!”

And the horse easily dragged the car out of the ditch. The motorist was most appreciative and very curious. He asked the farmer why he called his horse by the wrong name three times. The farmer said, “Oh, Buddy is blind and if he thought he was the only one pulling, he wouldn’t even try!”

McGuiness Funerals

A GUY is reading his paper when his wife walks up behind him and smacks and him on the back of the head with a frying pan. He asks, “What was that for?” She says, “I found a piece of paper in your pocket with ‘Betty Sue’ written on it.” He says, “Jeez, honey, remember last week when I went to the track? ‘Betty Sue’ was the name of the horse I went there to bet on.” She shrugs and walks away. Three days later he’s reading his paper when she walks up behind him and smacks him on the back of the head again with the frying pan. He asks, “What was that for?” She answers,“Your horse called.”

’’ jd

From the moment I picked your book up until I laid it down, I was convulsed with laughter.

Someday I intend reading it.

– Groucho Marx

A PRIVATE CREMATION - $1903 includes GST -

A Tr a d i t i o n o f C a r e Murwillumbah (02) 6672 2144 Billinudgel ( 0 2 ) 6 6 8 0 3 0 8 4

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Refer to our website for funeral notices w w w. m c g u i n e s s f u n e r a l s . c o m . a u 100% AustrAliAn FAmily Owned

A MAN buys a parrot and brings him home.

But the parrot starts insulting him and gets really nasty, so the man picks up the parrot and tosses him into the freezer to teach him a lesson. He hears the bird squawking for a few minutes, but all of a sudden the parrot is quiet.

The man opens the freezer door, the parrot walks out, looks up at him and says, “I apologise for offending you, and I humbly ask your forgiveness.” The man says, “Well, thank you. I forgive you.” The parrot then says, “If you don’t mind my asking, what did the chicken do?”

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Loved one taken into our care 24 hours, 7 days All required mortuary attention and preservation Completion of all application and registration forms Doctor's cremation certificates Environmentally friendly cardboard coffin Private transport to crematorium and cremation fee Death registration and official BDM death certificate Return of ashes to loved one's family or friends

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invite you to Power Packed, Life Changing Meetings and contemporary style Worship every Sunday!

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Time of Our Lives

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Palliative Care Services

Every life matters and every moment spent with family or friends during their journey with a life-limiting illness is precious.

Tweed Palliative Support (TPS) and Wedgetail Retreat hospice are a community not-for-profit organisation that offers free palliative support services to people with a life-limiting illness and their family in the Northern Rivers and beyond.

We are not government funded and rely on the generosity of the community to continue our services.

ANNUAL FUNDRAISING

TARGET $750,000

Our services: • Home-hospice care by trained palliative volunteers*.

Wedgetail

• Hospice nursing care at Wedgetail Retreat.

• Sunshine ‘Pamper’ days for people with cancer.

Retreat

ƬɀȯȼȿɃȷȺΎƠȽɁȾȷȱȳΎƛȯɀȳΎƞȽɀΎƙȺȺ

Your donations directly go towards:

Client Care

• Educational support days.

Nurse Shifts

*(See TPS website for areas of operation)

Medical Equipment Volunteer Training

Your help is needed:

Hospice Groceries Maintenance

• DONATE any amount e.g. online www.wedgetailretreat.com.au • Remember us in your Will – make a Bequest.

• Join our Membership or support our Op Shops.

We can't do it without you.

Thank you!

w w w.wedgetailretreat.com.au

www.wedgetailretreat.com.au www.tweedpalliativesupport.com.au Time of Our Lives

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70874

More Information?

Ph: (02) 6672 8459

2015/Edition 1

70427

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