s e l y t Lifes s u l P 5 5 r e t t e b s t e g t s u j Life
B O B OW E N S R E T I R E M E N T V I L L AG E
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The Ryman Difference
Located close to the Bethlehem town centre, the village has panoramic views out to the Mount and harbour. Features include architecturally designed independent townhouses and apartments, serviced apartments, and a care centre offering resthome, hospital and dementia care.
Fixed weekly fee*
The village is set amongst beautifully landscaped gardens, and the amenities include an all-weather bowling green, indoor heated swimming pool, spa, library, gym, and hair and beauty salon.
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Our residents are involved in art exhibitions, fashion shows, music and dance performances, and many different outings. There is always something to do at the village with activities and events to suit everyone.
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To enquire about availability at Bob Owens Retirement Village please phone Jan on 579 2519. 112 Carmichael Road, Bethlehem 1702
*Some conditions apply.
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Lifestyles Plus September 2019
In this issue Age with grace
5
Keeping fit at any age
6
Helping children onto the ladder
7
Keeping fit in your 50s
8
Wheels still turning at 70
9
Your voice in the morning
10
The generation game
12
What’s your financial future
14
Life changing decision
15
Blue September
15
Puzzles
16 & 18 The delights of the region are attracting national and international attention. The climb to Mount Maunganui’s Mauao summit has just been rated as one of the best walks in New Zealand by AA Traveller, and Mount Maunganui’s Main Beach has been crowned the ‘Best Beach in New Zealand’ by TripAdvisor, and ranks among the top 25 best beaches in the world.
A perfect place to retire
Shopping and dining just got better in the region too with the addition of malls such as Tauranga Crossing and the new Dine precinct at Bayfair both offering a range of gastronomic delights alongside national and international shopping brands. There has been a boom in retirement villages in the region reflecting this popularity of the region as a retirement location, as well as the increasing options in retirement lifestyles here. There is also a range of options for people to do activities indoors.
T
he Bay of Plenty’s many attractive lifestyle benefits mean it is a prime location not just to live and work in but remains a popular option for people in the later stages of life and for those looking for a place to retire.
With a rapidly ageing population not just in the Bay but the whole of New Zealand, coupled with better healthcare, people are living longer and enjoying life well into their senior years. Turning 55 is no longer a time when you hang up your high heels and put on your
felt slippers and do nothing all day. On the contrary, for many, like the people featured here, the golden years of life are the best years yet. Retirement too is a time when people want to engage in different activities and groups and enjoy the outdoors. Also people are no longer fixated on a particular age when they stop work. Many people - as featured in this magazine, continue running their own business and working in their 60s and 70s, finding that their age and the wisdom of experience
give them a different perspective to work that is beneficial to the business. It is no surprise that the region remains popular with the over 55s. With its enviable climate, immaculate beaches, relative affordability, and good healthcare services, there are endless possibilities for enjoying the outdoors. There is an increasing number of walking and bike trails, golf courses, endless opportunities for fishing, or other relaxing activities such as lawn sports, hot pools or sailing.
Retirement villages offer a great lifestyle option for those wanting to live independently as well as having access to a number of facilities, with residents enjoying a range of social activities. In response to the changing demographics, retirement villages offer many different types of accommodation from villas to town houses to apartments. Residents can have access to support at the stage in life they need it so they can enjoy a village lifestyle from 55 onwards. If you are looking to enjoy the next stage of your life, you will find plenty to offer in the region.
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Lifestyles Plus September 2019 as look fabulous. I think this generation is better at taking the time to make beauty treatments a regular and essential part of their schedule, whereas in my day we would never have done it.”
Age with grace
Suzie regularly seeks out people in the community who she treats to a surprise free treatment - such as a client caring for her sick relative. “It is important to give back.” Giving back to the community is something Suzie has done all her life, as a pint-size battler taking up community issues to help support people campaigning against injustices. She began her interest in local politics in 1990 and continues her interest today. In her varied career, she has been a national training manager for a corporate, and was employed by the Age Concern to establish the Tauranga branch. She also used to run motivational courses for women and has worked on a national study about abuse against women.
S
tanding in the reception of her luxury beauty salon, DeLux, in Cherrywood, Suzie Edmonds demonstrates she can still high kick at 62, until her cellphone interrupts with the ringtone of Cyndi Lauper’s Girls Just Want to Have Fun - a ring tone she has kept since the song first came out.
sure staff have a good work/life balance. We have mothers working here, and I understand that they need time off not just when children are sick, but in holidays, or they need to leave early to see that school play. It’s a flexibility that we did not have when I started out working.”
Owning her popular salon for six years, where her daughter Felicity also works part time, Suzie thinks age is an asset for a business owner,
Being in the beauty business, with clients of all ages even in their 90s, she is an advocate for helping people make the best of what they have at any age.
“You have more experience obviously. With that comes better priorities on what is important in life - such as making
“If people don’t want to say how old they are, that is up to them, but personally I am a fan of embracing your age. Rather
than go for lots of appearance medicine, learn how to care for your skin and chose make up that suits you so you look fabulous. But I respect every woman’s choice to age exactly how she pleases - as long as it’s her choice and not because society expects us to be forever young.” For Suzie, a woman’s beauty is ageless and as much about health and mental wellbeing as physical appearance. “Having a manicure is important to your overall sense of confidence, especially if you speak and express yourself with your hands, as many of us do. Having a facial is as much about making you feel good
Slowing down a little from her feisty lobbying since experiencing a health issue four years ago, as well as being busy with her two grandchildren who live next door to her, Suzie still keeps up to date with what is going on with local issues and it is something she enjoys. She stays active with a personal trainer, training several times a week. She likes to keep fit and while her skin is glowing from taking her own advice in skincare, she says it is her playful attitude to life that keeps her young, “Like us all, I just love people, and talking and caring for them. And having a great sense of humour. Having a laugh is something I like to do every single day.”
me w o H Vie w o o Sh en t Op
Find your new home at Copper Crest, a retirement community with heart, quality homes and a range of activities and facilities on your doorstep. Our brand new two and three bedroom villas at Copper Crest offer open plan living with a high stud, creating a truly spacious feel. There’s a choice of single or double garage with a heat pump, drapes and dishdrawer included and you’ll have your own raised vegie garden. Be a part of an
active community of like minded people who look out for each other and have fun together. You can take advantage of all the great facilities our community has on offer including indoor pool, spa and gym, library, residents’ bar and bowling green.
Please call Nick and his friendly team to arrange a personal tour and talk about your retirement needs. Ph 07 578 6245 or email sales@coppercrest.co.nz www.coppercrest.co.nz
52 Condor Drive, Pyes Pa, Tauranga. 5
Lifestyles Plus September 2019
Keeping fit at any age
W
hen Allan Shadbolt goes running out and about the Bay, he often leaves younger runners for dust.
At 70 he has completed more than 40 marathons, and is currently in training with a group from Mount Runners who are going to compete in the New York marathon. He is comfortable with being the oldest in the group. “I like to think it inspires younger runners or even people of any age just to get into running. If I can do it at my age other people can to.”
sounded old, so I figured if he can do it, so can I.” Since then he has taken part in marathons not just in New Zealand but in Australia, Rarotonga and even Hawaii. In the last nine months alone he has raced three marathons in Auckland, Honolulu and Rotorua, coming first in his age group in Rotorua and Auckland and second in Honolulu. “What I like is that I am constantly challenging myself, keeping fit of course and meeting interesting people along the way.”
As part of the training for that marathon, the group have challenged themselves to run 12 half marathons in 12 months.
Allan and his wife Sheryn moved to Papamoa two years ago from Auckland and they both love the lifestyle here.
“It’s great to be able to run with younger people and share our knowledge while training together.”
“People seem to be more active here. It is like stepping back in time but in a good way, because you see people walking, kids going to school on bikes and scooters. The climate is fantastic and we love being so close to the water so you can easily go for a morning walk or a run along the beach.”
Allan got into running at 29 years old, running his first marathon in Rotorua. “My father-in-law was taking part and he was 50. Back then I thought that 50 Another man who often draws gasps of awe from younger people is 84 year old John Morrison who has completed more than 100 skydives. John lives in the Coromandel with wife Celia but is a regular visitor to Tauranga, doing three to four jumps a year at Skydive Tauranga,
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Wife Sheryn hasn’t caught her husband’s running bug but she did train with him for the Tauranga marathon a few years back to celebrate her 70th birthday by competing in the 10.5km race. Unfortunately Allan had to drop out of that marathon when he got an injury while trail running,
“Taking longer to recover from injury is the only thing I really notice affects me as I get older. I watch my diet a bit more too. I can eat pretty much what I want, but tend to eat less meat and steer more towards vegetables than fatty foods.”
“I jump every year on my birthday so will be jumping again in October for my 85th birthday.” The thirst for adventure keeps John coming back for more, with many advantages. “I love the adrenalin you get in freefall. It keeps me young... even helps with lovemaking!”
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John Morrison
Lifestyles Plus September 2019
Helping children on to the ladder Diana Clement
this purpose, says Wills, although it has limitations, such as the child having to repay the parents’ portion in 10 years, which not all can afford to do, says Wills.
Co-buy with the children
A parent and child can buy together. With co-borrowing the child doesn’t have to pay the entire cost and the parent shares in the capital gain, which can be a bonus for a parent looking for investment opportunities. There are downsides. Co buying means the child probably won’t qualify for a KiwiSaver first home withdrawal or the HomeStart grant. A property sharing agreement is needed and even then sometimes adult children have different views on what the arrangement is.
Borrow against your home
I
t’s as Kiwi as paua and pavlova to help your adult children buy their first home. Whilst many parents go guarantor on the children’s home, there are other ways to help. Just beware that banks want to see evidence that the borrowers can save and manage their money. If the entire deposit is stumped up by the parent the adult child may not be viewed as a good risk by the bank.
Go guarantor
In the 21st century an awful lot of parents choose to guarantee their adult
children’s first home loan. The bank secures the loan against the parents’ house. One downside of this is the parents can and do lose their own homes if their children default. The risk can be mitigated if parents take legal and lending advice, says Stuart Wills mortgage broker at the Mortgage Supply Company. For example, a mortgage broker can help ensure the guarantee is limited to the minimum amount required, not unlimited as is often the case. Westpac has a product called Family Springboard for exactly
It’s common for parents in New Zealand to extend their own mortgage to extract a deposit for the children. The money can then be gifted or lent to the children. You really do need to take legal advice about this because it can turn into a quagmire if your offspring and their spouse/ partner later split, or they lose the home to a mortgagee sale.
Give a cash gift
If you are secure financially and can afford to, a no-strings attached cash gift might work. But make sure you get legal advice for this and the next point, says Wills. The downside is if it’s a gift not a formal loan, then it becomes relationship property divided between the unhappy couple should the relationship later break down. A loan can be recalled if they divorce. Be wary of causing bitterness and division
between your children who may view an inheritance as their birth right. Gifting money can also breed entitlement. They expect you to give them money whenever they need it.
Lend the deposit
If you don’t have the money to gift, need it for your own retirement, or don’t want it to become relationship property, consider loaning the money for a deposit. Just be aware that loans like gifts can create tension in a family and sometimes they simply don’t get repaid. The children view the loan as an early inheritance.
Reducing interest using offset mortgages
Parents with a chunk of spare cash sometimes deposit it in the child’s offset mortgage, says Wills. BNZ, Westpac and Kiwibank have accounts that allow parents to deposit a chunk of money in the child’s offset mortgage, reducing the interest paid while it’s there. The money still belongs to the parents.
The family trust buys
Family trusts can buy the property for the child who then pays rent to the trust, but the house is, in effect, theirs. The trust could also make a gift or a loan to the child to buy in their own name. Good legal advice is needed.
Help with the incidentals
If your offspring is stretching to the last cent to buy their home and you have some spare cash you could pay for the building report, conveyancing, insurance, moving costs, furniture and other items that home buyers sometimes don’t budget for. Sometimes it’s better for everyone if the child has to save up for a few years to get their first home.
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Lifestyles Plus September 2019
Keeping fit in your 50s Being mindful of what we eat, getting enough sleep, and regular exercise can all help to mitigate the effects of ageing, but you need to be committed to making changes and keeping them. It’s never too late to make positive changes and to see positive results. Personal trainer Brooke Frandi (52) can testify to this — she used the power of exercise after a dramatic car accident left her with a brain injury. “In 2014, I had an accident that lead to bad head trauma,” she explains. “I was taking very strong pain killers, which were having terrible side effects. But I forced myself to exercise at the gym every day. ”Heading to the gym four or five times a week, the lifelong fitness fanatic made slow progress at first. But her weight training and cardiovascular workouts slowly started to work their magic.
Staying healthy and active is important as we age, writes Joanna Mathers
W
hether you’re a lifelong gym bunny or a couch potato with everything heading south, exercise and healthy eating is even more important once you reach the big 50.
The 50s are the age when health issues can start to kick in; heart disease, osteoporosis, high blood pressure and a raft of other age related conditions emerge as our bodies age.
“I’m actually fitter now than I’ve ever been,” she says. “Anyone can get back on top if they try and put the effort in.” One of the keys to keeping fit and healthy in your 50s is to include weight training in your workout regime. Frandi explains that the extra compression on the bones and bone mineral density decreases the likelihood of conditions such as osteoporosis. This is particularly important for women, who make up 80 per cent of those suffering with the condition.
Weight is great
Weight training at the gym is great for strengthening, but those who prefer
something less intensive might prefer to choose an activity such as yoga. Yoga is a celeb-endorsed exercise system (Gwyneth Paltrow claims to have popularised it through her lifestyle website Goop) that works with the mind and body to help create increased health and wellbeing. It has proven mental health benefits and the more rigorous versions (such as ashtanga) also offer a cardiovascular boost as well. Energy levels tend to go down as our years on earth go up. It’s tempting to stay still if you feel tired, but it’s also counterproductive. Sedentary lifestyles lead to health problems such as heart disease, so it’s important to exercise even if you feel knackered. When a person exercises the heart muscles contract and this increases the amount of blood that flows through the arteries. Changes in the autonomic nervous system start to occur, and this in turn leads to a lower heart rate when you are resting. The flow-on effect of this is lower blood pressure and a more even heart rate, which reduces the risk of cardiovascular disease. Another important by product of regular exercise is that it helps reduce levels of inflammation that can lead to heart attacks. There is also evidence that regular exercise can reduce the risk of cancer. A study undertaken in the United States followed more than 1000 individuals for a period of several years. The results showed those who exercised were less likely to suffer from either breast or colon cancer, but the reasons why have been hard to pinpoint.
The science supporting the importance of exercise is there, but for many of us, the motivation isn’t. Having a fitness buddy can help. If you are working, look for someone of the same age who is keen to take regular lunchtime strolls with you. Make gym dates with your partner, or join a walking group. Exercising with others provides motivation and is a great way to socialise healthily.
Eat right
Healthy eating is just as important as good exercise. It’s easier to put on weight as you get older, as the metabolism starts to slow down. Extra weight (especially around the abdomen) increases the likelihood of health conditions such as diabetes and certain types of cancer. Fresh fruit and vegetables, whole grains, and good proteins are the backbone of any good diet. The villains are saturated fats, sugar and processed food. If you are concerned about what you are eating, keep a food diary for a week. This will help you pinpoint your problem eating areas and help you to redirect you towards healthier alternatives. There are many online resources to help people wanting to experiment with new and healthy food. Try holding a healthy dinner party for friends and experiment with new ingredients and recipes. Embrace the new food fads — raw food and vegan food may not work for you as a full-time diet, but it’s fun to experiment with new flavours. And remember to cut down on the drinking — it has far more negative than positive effects as we get older. A couple of glasses a few times a week is more than sufficient and your body will thank you for it.
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Lifestyles Plus September 2019 to the mountains) and all the outdoor pursuits, what I most appreciate is the many friends I have made here and the resulting feeling of belonging and always having like-minded people to do fun things with.”
Wheels still turning at 70
In her varied career she has been a radio station sales manager and head of publicity at TV3, with also a ten year stint in real estate before returning to her first love, writing. “After ten good but very full on years in real estate during which I still ran most mornings or dashed up the Mount at lunchtime, I decided I wanted my life back so announced to everyone ‘I am going to be a freelance writer!’ For the last 13 years I have been happily writing real estate advertising, travel stories, features for magazines, and anything anyone asks me to write, as long as I think it will be fun. I feel very lucky and see no reason to “retire”. She is currently the publicity manager for the show Tarnished Frocks and Divas.
Liz French competing in the Ruapehu Express
A
t 70 Liz French is not slowing down from her active lifestyle mountain biking and skiing.
She spent her 70th birthday weekend in April mountain biking and horse riding in Queenstown and recently completed the Ruapehu Express, a 58 km mountain bike race in the Ruapehu wilderness. Working still, the busy freelance writer has no plans to retire. “One of my agents says she thinks I will be working at 90.” She bikes all the local trails with her friends, loves walking and going exploring with partner Mark, be it a walk in the bush, a weekend somewhere new or an
overseas adventure. The couple recently spent two weeks on a chartered yacht sailing Croatia. Her favourite winter activity happens at Ruapehu. “I watch the weather religiously to pick the bluebird days for skiing and tear off down there with monotonous regularity, staying at our club’s lodge. Always midweek when it’s not so busy.” She wasn’t always so healthy, and among her many projects is writing her soulbearing memoir. “It takes in my earlier binge drinking, sleeping with unsuitable men years before I decided to get healthy in more ways than
one. I remember turning 30 and, with a sudden dread of middle-aged spread, throwing on some sand shoes and running out the door. I’ve been out running ever since and now it’s more a case of trying to keep weight on than keeping slim. The exercise also counteracts my low bone density and, hopefully, holds off dementia. I can’t function unless I’ve had an hour or so of exercise and a good coffee. My exercise is all done outside as gyms and I just don’t agree.” Loving the outdoor life, she is happy to call the Bay home, having lived here on and off since 1981. “While I love the climate and the proximity to the sea (and it’s not too far
When she is not working or outdoors Liz loves to bury herself in a good book, being a member of the same book club for 15 years. While not into “pampering” - mainly because she doesn’t like sitting still for long periods of time, she says her hairdresser Robyn and “face lady” Debbie “keep the ravages of time a little at bay.” At 70 she is in the happiest period of her life. “I have many friends who are in their late 60s and early 70s who are equally as fit and healthy as I am. We do appreciate how lucky we are and how valuable it is to make the effort to keep fit, support each other and have fun doing so.”
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Lifestyles Plus September 2019
Your voice in the morning
I
n more than 40 years on the airwaves, Tauranga radio announcer Brian Kelly has not missed a beat.
Despite hosting a breakfast show that starts at 4am, he has never been late for work, which he attributes to loving the job, loving being part of the Bay community and staying fit and healthy.
Even as a five-year-old, Coast Tauranga breakfast host Brian knew he wanted a career in radio. Every Tuesday and Thursday after school in Wanganui, Brian would rush down to the 2XA station for the Junior Programme, taking part in discussion panels and quizzes. At 18, he landed a job at the New Zealand Broadcasting Corporation, programming music for National Radio. His first station manager told him he would never be able to forge a career out of broadcasting because his voice was “too light”. But he was more into the Beatles than Beethoven. He moved to a commercial station in Masterton during the early 70s, and then after a stint as a sports broadcaster in Wellington, in 1975 he moved to Tauranga, working as a sports and community broadcaster. In 1980 he was offered the job of breakfast announcer at Classic Hits (then 1ZD). Shortly after he scored the award for best announcer at the New Zealand
10
Radio Awards and since then has notched up a slew of awards. After six years working in Auckland as Coast Network Breakfast host, he was delighted to return to the Bay in 2018 to host the local Coast breakfast show. He lives in the Avenues with his wife Roanna, and the couple have three adult children. “It was good to get out of rat race. I live close to work, my family are here, and my daughter has come back from England.” Being connected to his local community is what Brian - known by locals as BK loves most about his job, and he has been proud to witness the Bay region grow. “I tell people I have never worked a day in my life, because I am just having too much fun. I love letting people know what is going on, whether it’s weather or traffic, and what great things we have happening out and about. Getting to share people’s opinions and stories, and of course the music.” He celebrates his love of song in his weekly column the Vinyl Word in the Bay of Plenty Times. Highlights of his career include interviewing James Taylor - and BK has a cut out of him in his studio today. His dream interview would be Paul McCartney as he names the Beatles his favourite group of all time and last year visited Liverpool to do the Beatles trail.
Rowing and relaxing on the water
Over the course of his life he has always been active, running the Rotorua marathon twice and competing in local triathlons. He loves swimming, biking and rowing, “Rowing is a great sport because it is not jarring on the joints but keeps you very fit, but it’s also relaxing being out on the water.”
Getting up early is not a problem for Brian.
He bikes to work in the summer, and is a keen mountain biker, welcoming the increasing number of bike trails in the Bay.
“I have always been an early riser. I had a paper round at school then worked in a bakery.”
Retirement isn’t in his vocabulary. “I love what I am doing. As long as I can talk, I will be doing radio.”
Brian Kelly at Coast Tauranga
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Lifestyles Plus September 2019
The generation game
It gives children a wonderful feeling of safety if they realise the big people are working together. Jenny Hale (pictured)
the option to do something else — it can be nice for them to discover more about a person’s childhood, or it may make them feel left out. Grandparents may have more time to plan how to run the holiday smoothly, but it’s not all about them making the effort to fit in with their adult children. Adult children can also do things to support grandparents to be part of their families.
Staying healthy and active is important as we age, writes Dani Wright
S
ummer is a great time to spend with adult children and grandchildren. But what if spending time with your adult children and their families is a minefield of possible blow-ups and misunderstandings? The Parenting Place’s senior family coach Jenny Hale says the thing to remember is that relationships are more important than being right, so it’s worthwhile for everyone to find a good balance of doing things on your own and as a family.
“If you are staying in the same home, it’s good to find out what the routine is and fit in with that,” says Hale. “Ask what you can do to help and sometimes that will look like reading stories, or taking children to the park, and it might also look like buying the takeaways, or helping financially with a special dance class.” Knowing that even adult children crave the acceptance of their parents, Hale also advises to start conversations by asking them how their lives are going first, and give each other the space to do things in your own ways, without comparison. “A very limited amount of advice should be offered – if you can wait for an invitation all the better and don’t turn it into a lecture,” suggests Hale. “Be positive about what you can and how your kids are raising their children. It’s a
good idea to be curious – things are done differently in every generation, so allow your children to teach you something.”
Finding common interests, such as enjoying live music or snow sports will give you a closer bond on holiday.
And if you’re heading away to visit adult children living abroad, or going on holiday together, you’ll be spending even more time in each other’s pockets. The natural instinct may be to take over as the leader in the family group, but it’s important to support your adult children in what they are doing as parents.
And remember to spend time alone with each person in the group — whether it’s taking your son-in-law out for coffee one morning, or spending some time with your daughter at a day-spa — family holidays are about making connections, not just tuning out.
“Definitely don’t try to get grandchildren to side with any parent or grandparent,” says Hale. “It gives children a wonderful feeling of safety if they realise the big people are working together.”
Trying to book an all-inclusive holiday package will also save some of the financial stress and uncertainty of who is paying for the meals and activities.
Rather than being the type of grandparent to sneak sugar and salt into your grandchildren’s diet when their parents, who don’t approve of salty or sugary snacks, aren’t looking, instead check in with the “family rules” of the home so you can support your adult children in how they want to parent.
If you do sense tension or arguments, suggest going out to do something you each love to do, on your own, and regrouping at dinner to share stories. For example, you might love museums, while your children love mountain-biking. If you’ve both had a great day doing things you like, you’ll be more likely to have positive talk when you get back together.
Spending time doing something together, rather than sitting around the house — or hotel room—will also give you something to talk about other than parenting advice. For example, get into the outdoors and visit a zoo, or go for a hike — anything that gets you all active to get positive endorphins flowing.
Another nice idea is to bring a bit of nostalgia into the trip, as long as it’s not at the expense of others in the family. An example is re-visiting a place you and your children explored when they were younger and reminiscing about the experience. Partners and grandchildren may like to explore with you, or give them
“Encourage grandparents to carve out their speciality and have that as their thing,” says Hale. “It might be the teaching of knitting, the cooking, the bike rides, the remote control cars, the special holiday retreats. Also, don’t buy too much stuff for your kids — leave room for grandparents to shine!” She also suggests maintaining a respectful attitude to your parents, because children will pick up on any distain or disapproval. It’s not always easy to forget past hurts from childhoods, but try to talk about relationship issues away from listening grandchildren. “Find ways to stay in touch — whether it is by phone, skype, text or oldfashioned letter writing. It means a lot to grandparents,” says Jenny. “And be appreciative of the help you get. It is easy to take child minding for granted but your thanks and even help with finances if an outing is expensive goes a long way.” The happiest cultures seem the ones where extended family weave their lives together, so working on these relationships, which Hale says are the most important thing in life, can have a benefit to all involved. “This connection of children, parents and grandparents can be an amazing gift,” says Jenny. “Being respectful, kind and thoughtful will be amazing attitudes to hold as you navigate this opportunity together.”
How can we help you? We offer a wide array of flexible support options in the Northland, Auckland, Waiikato, Bay of Plenty and Wellington regions, which can be structured to suit each family’s unique needs. Our aim is to ensure people have choice, control and flexibility in the supports they receive and have the opportunity to co-create their own support op ptions. We also offer a navigator service 0508 NAVIG8 aimed at helping families new to disability support. Contact us today to find out more! info@spectrumcare.org.nz I 09 634 3790 I 0508 NAVIG8 (0508 628 448) 12
www.spectrumcare.org.nz
Summerset is on its way!
New Summerset Retirement Village coming to Papamoa Beach
Summerset by the Dunes will be situated on eight hectares of land just 600m back from the beach and only 4kms to Papamoa Beach town centre. Once complete, Summerset by the Dunes will offer approximately 290 homes to choose from, including villas, cottages, independent apartments and serviced apartments. All residents will be able to enjoy a fantastic village centre offering recreational facilities, such as a movie theatre and indoor pool, and a care centre that will offer rest home and hospital-level care. Plus, we will have our awardwinning Memory Care Centre providing safe, apartment-style living for people with dementia. Enjoy the freedom of a sun-soaked retirement by the beach, with no worries about maintenance or upkeep as we do it all for you. Summerset by the Dunes will provide you a relaxed coastal feeling with stunning views over the dunes to the north and the Papamoa Hills to the south. There is something distinctly special about the Summerset life. When you move into a Summerset retirement village, you’re not just moving to a new house – you’re joining a vibrant and welcoming community where
you’ll feel completely at home. When it comes to activities and events, there’s always something happening, and you can choose to do as much or as little as you like. With 26 villages across New Zealand, there are already over 5,000 residents who love the Summerset life. This is because at Summerset we put you at the heart of everything we do, so you can enjoy the freedom of living the life you choose.
Request a free information pack today 0800 SUMMER summerset.co.nz
Many Summerset residents I speak with enjoy that their housing is secured, finances sorted with no surprises, and care is on hand at any level should you need it in the future. There’s a certain freedom in knowing the big (and not so big) things are taken care of, so you can just get on with living life. Jude Dobson, Summerset brand ambassador
We’re thrilled to be joining the beautiful Papamoa Beach community with the first of our brand-new homes available mid-2020. Contact us today to join our Friends of Summerset and be the first to know about village updates and progress.
Find out more at summerset.co.nz/papamoabeach
SUM1764_LP
Summerset is excited to announce a brandnew retirement village, Summerset by the Dunes, opening in Papamoa Beach in 2020.
Lifestyles Plus September 2019
What’s your financial future?
Pass go and collect KiwiSaver When KiwiSavers hit 65 they’re usually entitled to collect their savings—providing they’ve been a member for at least five years. But not everyone does. Often people feel anxious about what to do when they turn 65, says Maxwell. If you’re unlikely to be withdrawing it until your late 60s or early 70s it makes sense to have that money growing the mean time. Money kept in KiwiSaver can be drawn down in small or large sums when needed. It shouldn’t be difficult. While many people withdraw their KiwiSaver in full and park the money in term deposits, that isn’t necessarily the best thing to do, says Maxwell. “Term deposit yields are really low,” she says. Do the sums. Unless you need the money now compare the returns and fees from your KiwiSaver to what a term deposit is paying.
If you haven’t already, it’s time to get serious about your KiwiSaver. By Diana Clement
H
itting a half century in age is a real milestone for Kiwis’ finances.
It’s an age when many Kiwis panic about their financial future, says retirement commissioner Diane Maxwell. More so than when they actually hit 65. “In the last 10 years before retirement, anxiety is high. We find that it is a really important time for people to get some good advice and make some good decisions. “I get letters from people in their 50s and early 60s who realise time is running out. They are worried about doing the wrong things and sometimes they do nothing,” says Maxwell. “The stress makes them a rabbit in the head lights.” “With KiwiSaver, logically you would pump as much money as you can in. Go for gold. Hell for leather. Do a final sprint,” says Maxwell. But for many people that might not be possible. “If it is possible, get aggressive with it.” If you can afford it, this is a good moment to seek independent financial advice, says Maxwell. “Ask: ‘what should I be doing right now?’”
Paying down debt
If you’re still paying a mortgage or other debt it can make financial sense to find ways to get that paid off as fast as possible and then divert the repayments to savings. But make sure you’re contributing to your KiwiSaver to qualify for the member tax credit and employer contributions. The 50s is the decade when many Kiwis’ children fly the nest. That can mean expenses start to dwindle, which enables
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them to save more. If expenses can’t be reduced there may be ways to make more money, such as renting the children’s empty rooms to international students or running a part-time business.
If you keep working beyond 65 ask your employer to keep paying KiwiSaver contributions, says Maxwell. Employers don’t have to but currently around 25 per cent of them do. That number is growing, says Maxwell.
If you haven’t budgeted until now it might be worth using the extra time on your hands as an empty nester to create a formal budget. It’s not uncommon to find another 10 per cent in the budget simply by tracking your spending and making it more efficient. One big risk as you reach the final hurdle to retirement is losing an income through disability. It’s more common than many Kiwis realise. If illness strikes and you don’t have good income protection or trauma insurance your life savings could be drained by the time you reach the age of 65. If you still have a mortgage or other debt and one partner earns a lot less than the other, it’s essential to have life insurance to ensure the surviving person can continue to live in the style he or she is accustomed to.
Risky business
As well as getting aggressive with savings, look at your risk tolerance and your KiwiSaver fund selection, says Maxwell. “Make sure you make some active decisions about what fund you are in and if it is the right fund for your risk settings.” Often, Kiwis choose conservative funds because they fear volatility. If, however you’re not going to be withdrawing the money within the next five years it could be worth moving to a balanced KiwiSaver fund with investments in growth assets
If you’ve still got a mortgage and/ or other debt, KiwiSaver can be used to pay that down—if the sums add up. Even if there are break fees, sometimes the down the debt with KiwiSaver and getting the monkey off your shoulders outweighs the costs, says Maxwell.
With KiwiSaver, logically you would pump as much money as you can in. Go for gold. Hell for leather. Do a final sprint. Diane Maxwell (pictured)
such as shares and bonds. Money invested in a conservative fund isn’t going to grow as fast.
“The issue is, you are probably in a conservative fund because you have convinced yourself you don’t want to take any risk. If you are healthy you may not need the money for 20 years,” says Maxwell. Sometimes people in their 50s panic about their looming retirement. It can be tempting to buy an investment property or business because it has worked for other people or they’ve been to a seminar. It can also lead to financial ruin and shouldn’t be done without good financial advice. There are opportunities to build wealth in your 50s, but if the returns look too good to be true, run a mile.
“If your employer isn’t, rock up to them and say: ‘here’s the thing. I am a valuable worker and I want you to continue making contributions’. Maybe they just need to be challenged on it,” says Maxwell.
Have a holiday
There are too many retirees who won’t touch their savings under any circumstances. While your KiwiSaver money should last as long as you do, you’ve worked hard, points out Maxwell. “Do a deal with yourself and say take 25 per cent out (to spend on dreams, such as a holiday) and leave 75 per cent in keeping earning a return or whatever the deal with yourself is. I worry if people squirrel it all away they may not be fulfilling all the things they wanted to do.” Finally, Maxwell says if your children or others want the money; pause to give yourself time to think about the request. “Maybe say: ‘nothing will occur for six months while I think it through’. It is money you have worked for and you earned it. Take time.”
Lifestyles Plus September 2019
Life changing decision
A
chance stop over in Tauranga helped make a life changing decision for Jan Waddel, 72 and her husband Bruce, 75. Having spent 30 years in Wellington and another 40 in Auckland, where Jan was a teacher and assistant principal at a private Kindergarten, the couple had thought they might retire somewhere near Wellington, perhaps the Kapiti Coast. “Having enjoyed many a summer at the family bach in Pauanui with their three children, we knew we wanted to be by water but didn’t really know anything about the Bay region.” But a holiday on cruising around Australia and New Zealand changed all that when one of the port stops was Tauranga. The couple were immediately drawn to the wonders of the Bay of Plenty region. “It was a spine-chilling moment when the ship pulled in and we gasped at how beautiful it all was. We spent that day walking around the Mount and looking around and at the end of the day we looked at each other knowing that we were both thinking the same thing - ‘why don’t we retire here?’ Six months later, it was as though fate sealed the deal when a real estate agent phoned to say there was an expat buyer interested in buying the couple’s Remuera apartment where they had been living in Auckland.
With their children now grown, and two of them living overseas in China and Hawaii, the couple decided to make the move to Tauranga to Bethlehem Shores which Jan says offered what they were looking for in their next home - a combination of luxury home which gave them independence but with a thriving social scene and proximity to village life, and near the water. It also offered security for the future. “We knew we wanted to be in a place where our family doesn’t have to worry about us, and I love the level of support we get around the village.” When they moved in two years ago they didn’t know anybody in Tauranga, but since then have made close friends that they have even gone travelling with. The couple have become immersed in both the lifestyle of the village and the Bay. Jan plays golf in Omokoroa as well as golf croquet and mahjong. They love the proximity to Bethlehem village and the shops. Vivacious and friendly, Jan is on the Bethlehem Shores social committee, helping organise dinners and fun events. “We have little spare time, in fact some times when we go travelling away from the village we joke that we are on holiday from our busy retirement. But we wouldn’t have it any other way, we love it.”
Jan Waddel enjoying retirement in the Bay of Plenty
Blue September – time to get that prostate check! Here are some critical reasons for men over 50 to get a prostate check with their doctor: • 1 in 8 men will get prostate cancer • It is the number 1 cancer in Kiwi men – over 3000 are diagnosed every year • 1 man is diagnosed every 3 hours of every day of the year • It is the third highest cancer killer of Kiwi men – over 650 every year. • Currently, there are more than 40,000 Kiwi men who have been challenged with prostate cancer, at some stage in their lives. Men with family history of prostate cancer are at higher risk and testing should begin at 40 years. Early detection is the key. And don’t wait for symptoms. A recent survey has shown that 61% of men diagnosed had no symptoms, so getting that routine check is very important. It can save your life.
This Blue September, join me in the fight against prostate cancer Whether you go little or large, it’s time to get your blue on for Blue September. This year, we’re asking you to get together and have a Blue Do – that’s right, a Blue Do – to help fund the fight against prostate cancer. 1 in 8 Kiwi men will get prostate cancer – so let’s go blue for our boys.
Find out more at blueseptember.org.nz
Blue September is all about raising awareness, and fundraising to support men and their families living with prostate cancer. Organise a Blue Do and get family, friends, mates and colleagues together to have some fun, and share the message. Find out more and register your Blue Do at www.blueseptember. org.nz 15
Lifestyles Plus September 2019 1
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Lifestyles Plus September 2019
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Experience Arvida’s fresh approach to retirement living! Bethlehem Shores is the ultimate retirement address for those seeking nothing but the best. We have New Zealand’s largest community clubhouse with amazing northerly views over Tauranga Harbour. Facilities include café, cinema, piano bar and more! There simply isn’t a grander retirement location and lifestyle by the water in Tauranga!
141 Bethlehem Rd, Bethlehem, Tauranga. www.bethlehemshores.co.nz
Bethlehem Country Club is located in one of Tauranga’s most sought-after suburbs, with a shopping centre, medical facilities, cafés and peaceful walking tracks close by. You can live in an established, lush green village with a community of people who love to socialise and enjoy this unique retirement lifestyle.
111 Carmichael Rd, Bethlehem, Tauranga. www.bethlehemcountryclub.co.nz
Find your new home at our beautiful Pyes Pa retirement community Copper Crest, a village with heart, quality contemporary homes and a range of social activities and facilities right on your doorstep. The complex includes an indoor heated pool, spa, gym, library, residents’ bar and bowling green.
52 Condor Dr, Pyes Pa, Tauranga. www.coppercrest.co.nz
The Attitude of Living Well
Bethlehem Shores Freephone 0800 777 686 sales@bethlehemshores.co.nz
Bethlehem Country Club Freephone 0800 777 686 sales@bethlehemcountryclub.co.nz
Copper Crest Phone 07 578 6245 sales@coppercrest.co.nz
Big free lens offer Free progressive lenses (save $200) or Free reactions lenses (save $150) with one style from the $169 range or above
58A Devonport Rd (Next to Med CafĂŠ) 571 1902 Tauranga Crossing (Opposite EB Games) 543 5570 Mt Maunganui - Bayfair Shopping Centre (Next to JB Hi-Fi) 575 0259
Book an eye health check online
In store only. Price includes single-vision lenses. Free progressive lens upgrade is for standard progressive lenses only. Other lenses available at an extra cost. Excludes safety eyewear. Use with other offers restricted. Offer valid 5 August â&#x20AC;&#x201C; 9 October 2019.