Get it Magazine June 2023 Issue

Over-50s Prestige Living on the Sunshine Coast

Palm Lake Resort Pelican Waters’ show-stopping community precinct will host our most extensive collection of world-class facilities yet. The Springs Country Club will be home to five independent precincts each supporting our homeowners’ social, sporting and wellness requirements.

Nestled right alongside the award-winning Greg Normandesigned Pelican Waters Golf Course on a swathe of stunning waterways behind the Sunshine Coast’s finest beaches, this is your time.

Enquire today and discover why 10,000 people call a Palm Lake Resort address home.

June 2023

PUBLISHER

Leanne Hart

EDITOR

Nicole Madigan

JOURNALIST

Holly Bartter

DIGITAL PRODUCER

Laura Broad

CONTRIBUTORS

CREATIVE

Melinda Leu

PRINTING

Fast Proof Press, Nerang

CONTACT US

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Cover: Wander on Kangaroo Island | Photo credit: Remy Brand remybrandcreative.com This page: Photo courtesy of Norwegian Spirit

Krysten Davis | Sarah Murphy | Jack Smith | Holly Bartter Charmaine Yabsley | Dee Hardy | Dr Vivek Eranki

The passing of the buck

— by Krysten Davis —

Letter from Nicole

— Editor —

As someone who’s lived life as a single mum, I know firsthand the importance of financial literacy and financial independence.

Having a thorough understanding of your financial circumstances and direct access to your finances is critical to a women’s ability to leave an unhealthy relationship, and survive the aftermath.

Financial literacy isn’t about being wealthy – although knowing how to grow your wealth is important – but more about access and knowledge. How much money do you have, can you access it, and do you know what to do with it to make it work for you.

It’s something I’m incredibly passionate about.

And this month, Get it Magazine is all about financial literacy and financial independence.

But it’s not just about surviving, it’s also about thriving.

That’s why we’re looking at how to invest when you’ve never invested before, and how to keep your marriage healthy when one of you is overspending.

We also show you some simple ways to save, without realising you’re doing it, because let’s face it, with the cost of living the way it is, saving seems like a pipe dream!

For those of you who are money savvy, we know you’re planning your Christmas getaway already, and we have the perfect suggestions in our regular travel section.

And we look at the risks associated with the ever-alluring buynow-pay-later options that make those “just because” splurges hard to resist.

Best of all, this mag is free, so grab a copy, make your own coffee and enjoy!

Nicole Madigan

Publishers Indemnity: Those who make advertising placements and/or supply copy material or editorial submissions to Get it Magazine, undertake to ensure that all such material does not infringe any copyright, trademark, defamation, libel, slander or title, breach of confidence, does not contain anything obscene or indecent, or does not infringe the Trade Practices Act or other laws, regulations or statutes. Further to the above mentioned these persons agree to indemnify the publisher and/or its agents against any investigations, claims or judgements. In this magazine we have listed a range of products, prices and stores in across Australia and online. Although prices are correct at the time of printing, they are indicative only as prices and stock may vary from store to store. All prices were provided to Get it Magazine by relevant retailers and suppliers. We advise you to contact the relevant retailers for further information about price and availability. Get it Magazine does not accept any responsibility for price variations, availability or quality of products.

Gather around, children, and let me tell you a tale from the ‘olden days’.

When I was a kid, I had a bank account, and this account had a ‘passbook’. A ‘passbook’ was a little book about the size of a passport in which the bank teller would handwrite any deposits or withdrawals and record the balance of your account. If I needed to pay for something, I would go to the bank and withdraw the cash! Sometime in about mid-high school, I got a key card! This meant that I could go to an ATM and withdraw cash (without having to go into the bank) or pay for something at the shop using just this little piece of plastic. I’m not a Luddite, but when tap pay became a thing, I decided I was never going to use it, and why, oh why, would I need to link my card to my phone?

How wrong I was. Today at the shops, I emitted a little irritated sigh because I had to actually insert my card into the machine, and the transaction took about 1.65 seconds longer than it usually would. When I went for a walk, I used to stash ‘coffee cash’ in my sports bra; now I just need my phone.

There is, however, one thing on which I’m standing firm. No afterpay for me. I do this crazy thing called ‘beforepay," where I don’t buy something unless I have the money for it then and there. I did, however, used to love lay-by, but no one seems to do that any more.

The government has recently announced that "pay later’ companies will now be regulated as ‘credit companies" and not ‘financial management tools." About bloody time. I have friends who have found themselves unable to pay for essentials because their "pay later’ payments have priority, and this leaves them way short. I am in no way blaming people who have found themselves in this sort of bind. It is so ridiculously easy to set these accounts up, and shop assistants seem genuinely surprised that you are not going to afterpay for your purchase. It’s EOFY, and every man and his dog (especially if the man is called Harvey and his dog is called Norman) is having a sale on flat-screen TVs. Resist! Viva la revolution!

Let’s encourage some frugality (you all know how much I love op-shopping!). Hold your potential purchase in your hand; will it bring you joy? For more than five minutes? Contemplative consumption is the new black. Actually, it will keep you in the black!

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•

ʽbuypaynowlaterʼ

Living it Up with While the Risks Sneak Under the Radar

Hold onto your wallets, because 'buy now pay later' (BNPL) services are taking Australia by storm! It's the ultimate shopping convenience, allowing us to indulge in our retail desires without breaking the bank... or so we think. Did you know that these nifty platforms experienced a whopping 4.5% revenue boost in FY22-23 alone? With over 158,000 Aussie businesses jumping on the BNPL bandwagon, it's no wonder that a whopping 59% of us have given it a whirl. But here's the kicker: a whole bunch of us are clueless about the hidden dangers lurking in the shadows of BNPL.

The Illusion of Safety

Picture this: nearly half of Aussies (47% to be exact) think that BNPL providers have to play by the same rules as those big, ol' banks. Well, turns out that's about as accurate as thinking you'll stumble upon a pot of gold at the end of a rainbow. 38% of respondents incorrectly believe that missing a BNPL payment will not have any adverse effects on their credit score. The reality, however, is that BNPL services do possess the authority to report repeated missed payments to credit reporting bureaus, potentially damaging one's creditworthiness.

DISHING THE SCOOP: Money.com.au's Survey Shenanigans:

These insights were derived from a comprehensive survey conducted by Money.com.au, a leading finance platform committed to providing innovative solutions for consumer and business loans. The survey engaged 1005 Australians from various backgrounds, unveiling intriguing trends and perceptions surrounding BNPL usage.

YOUTHFUL ENTHUSIASM: The Driving Force behind BNPL Adoption:

Here's a not-so-surprising revelation: young Aussies are going crazy for BNPL. Among 18-to-30-year-olds, a staggering 77% admitted to utilizing at least one BNPL provider for their purchases, surpassing their older counterparts. Comparatively, 69% of 31-to-50-year-olds and 39% of individuals over 50 reported having experimented with BNPL services.

BNPL NATION: Where Do We Stand?

Guess what? The BNPL obsession isn't limited to just one state. It's spreading like wildfire across the whole country! Western Australia and New South Wales are tied for the top spot, with a jaw-dropping 61% of their residents admitting to hopping on the BNPL train. But they're not alone in this wild ride—56% of Victorians and Queenslanders, as well as 55% of South Australians, are proudly rocking their BNPL splurges too.

THE GENERATION GAP: Younger Users Unaware of Consequences:

While the younger generation is more inclined to embrace BNPL credit lines, but, here's the twist: they're also the ones most in the dark about the consequences. Within the 18–30 age group, a staggering 28% do not consider BNPL as a form of credit. Additionally, a significant proportion incorrectly believes that untimely payments will not incur charges (12%) and that missing payments will not impact their credit score (44%).

The 'buy now pay later' phenomenon has taken Australia by storm, captivating consumers with its convenience and flexibility. However, as the survey reveals, a significant portion of Australians remains unaware of the potential risks involved. But don't let your guard down just yet. Educate yourself about the potential risks and pitfalls lurking in the BNPL landscape. By understanding the intricate details and exercising caution, Australians can navigate the BNPL landscape wisely, ensuring a secure financial future.

Fashion – Accessories

Understanding the connection between money and mental health for women

— by Dee Hardy — Shifting Tides Counselling

When we talk about women and financial health, it's tied to events more commonly associated with women in relationships: moments like getting married, starting a family, or saving for a child's education. As a society, we don't foster conversations about women becoming independent financial managers for the long haul.

Why?

Because financial health is strongly linked to mental health. If you're worried or stressed about money, have no financial plan, or aren't sure if your financial needs will be met, your mental health will be negatively affected.

If we are to empower women – unmarried, divorced, or widowed –regarding mental health, that includes facilitating their financial health and confidence.

Research shows that there is a strong link between financial stress and mental health problems, such as anxiety and depression. Since women are already overrepresented in diagnoses of depression and anxiety compared to their male counterparts, the need for better financial services is key for female mental health. Vulnerability is a key component to these mental health issues and fear is so often the underpinning of many of these. Women are also still raised not to talk about money, or to view personal finance as a taboo topic.

Over the years, I have observed these pressures magnified in mid-life women, when both financial and role demands peak for many people.

Beyond mid-life, financial stressors may be amplified for women. Trying to save for a personal milestone such as retirement is difficult enough in a dual-income household and can be much harder for women who are single, divorced or widowed.

Research has shown that women may see money differently than men. Studies show that women are more likely to use money in a helpful way (e.g., a child’s education, philanthropy, retirement) as opposed to accruing money for its own sake, compared to men. This can be particularly troubling for widowed women. Many women who experience the loss of a spouse find themselves in the difficult situation of becoming financially independent for the first time in their lives, without the experience, confidence or money culture that allows them to ask questions, talk about money and become comfortable in their new financial role.

Talking more openly and frequently about the financial health of all women and helping prepare them for financial singledom is a key component of empowering women to achieve better financial health.

Young adults who experienced adverse circumstances in childhood or come from poor families demonstrate greater financial and mental vulnerability. Adverse financial strain in childhood can lead to reduced mental health in adulthood. A similar relationship between long-term financial strain and health has also been observed among older adults, specifically, perceived long-term financial strains over the life-course were significantly related to some health-related outcomes in later life, such as depressive symptoms, and functional impairment.

So, your ‘money’ health is something we all need to address – start by seeing your accountant, a financial advisor or chat to a trusted friend. At the end of the day, it is encumbered upon each of us to put in place measures and strategies, to ensure our financial security, not only in youth, but for the remainder of our lives.

Got a question for Dee? Email: editor@getit-magazine.com.au

Injectables FOR TENSION HEADACHES & JAW CLENCHING?

While anti-wrinkle or muscle-relaxant injectables are commonly known for their cosmetic applications, what many people don’t know is that muscle relaxant injectables can be used for relieving symptoms of certain types of tension headaches and jaw clenching pain, says Dr Jeremy Chou, founder of Dr J Aesthetics.

Why we get Tension Headaches & Jaw pain

Many people tend to subconsciously frown their brows or clench their jaw when focusing intently on their work or when they frequently have to manage rowdy kids (or adults). There are also those who subconsciously grind their teeth and clench their jaw while they sleep. When they do so for long periods of time, the muscles involved can start to become hyperactive, tense, and bulky, which can then lead to tension pain along their frown area, jaw, or temples. The temple muscles get involved because they are slightly connected to our clenching muscles so can contract at the same time when you clench.

How does muscle Relaxant Injectables Work

By injecting muscle relaxants into the offending muscles responsible for triggering headaches and jaw clenching, we can help relax the tension and overactivity of these muscles to reduce the frequency and intensity of symptoms. As such this non-invasive approach offers a nice alternative option for providing relatively quick and prolonged relief without taking daily medications or using cumbersome treatment options. As an added bonus, treating these areas can also aesthetically slim your jawline and reduce frown lines!

How long does it last?

Generally speaking, the effects will last approximately 3 months depending on individual health characteristics, lifestyle factors, dose, frequency of treatment, and how long you've received regular treatments. Some may notice the benefits can last up to 4 to 6 months if they have been receiving regular injections at least 3 or 4 times. This is because if you treat the problem muscles regularly at the beginning, they will gradually shrink, which often allows you to extend the time between treatments or drop the dose of each treatment.

Dr Jeremy Chou

Over the last few years, there has been a significant change in the landscape of work in Australia. We have seen a migration to working from home models, and we have experienced a mass exodus of people leaving successful, corporate jobs, into new more soul-led ventures.

Much of this was unheard of years ago. So, what happened?

The world stopped seemingly overnight, causing us to ask ourselves questions we hadn’t asked before: Am I really happy working in a cubicle for the rest of my life? Am I really satisfied with the career I am in?

People have started realising that there is more to life than the hamster wheel they have been stuck on. That there’s actually some choice in how we run our lives. We have more options that we’ve ever had. And we’ve had time to think about whether what we have been doing is really serving us.

It also gave us the chance to think about whether, if we keep going down this track that we’re on, is it really going to lead us to purpose, success and fulfilment? Or have we been operating in a paradigm of success that isn’t even ours?

From an early stage, the people around us ask us what we want to be when we’re older. Then, as we go through school, well-meaning adults advise us to get good grades, go to university, get a “real” job and climb the corporate ladder.

Of course, that model has worked well and continues to work well for many. But not everyone.

For some, our conditioning and best intentions has led us into careers that don’t allow us to bring our authentic selves to work, or our creativity, or our genius. We get stuck in our zones of competence or excellence, and can get no further. For many, this will suffice. But for some, good is the enemy of great, and our hunger for greatness drives us towards more.

Finding our zone of genius or ikigai (as the Japanese call it), is the work that lights up our soul. It’s the work that feels like play, brings out our genius, our authenticity and our creativity. It is something unique to us. And it is something we can only find when we’re brave enough to ask ourselves the question: what is my unique essence and how can I bring that out into the world?

Sometimes it helps to look at our life in reverse and ask, if I was on my death bed, how would I have wished to live? What would I wish I had done?

The trick is to do those things while we can, and to never stop following the spark we had when we were first asked the question, what would you like to be when you grow up?

Borcsa Vass is a writer, speaker and host of the popular podcast, Lessons From Earth School. It is available on Spotify and Apple Podcasts and other podcast streaming services.

Your Purpose

It’s a question that many of us have asked, yet few of us have found the answer to. It turns out, we might simply have been looking in the wrong place.

Taking Action Against Plastic Pollution: Easy

Switches for a Greener Lifestyle

1 Transition to biodegradable toothbrushes, toothpaste, and tubes

Did you know that the world’s daily dental routine generates over 32 billion pieces of plastic waste each year? Plastic toothbrushes and toothpaste tubes clog landfills and pollute rivers and oceans, releasing harmful microplastics that take up to 1000 years to break down.

With World Environment Day approaching, the global focus is on beating plastic pollution. Plastic waste is pervasive, from the highest peaks to the deepest seas, accounting for a staggering 85% of marine debris and releasing trillions of microplastics. While the problem may seem daunting, there is reason for hope: each one of us can make a difference.

In our pursuit of practical solutions, we spoke with the creators of SmidgeCo, an Australian business offering biodegradable, compostable, and recyclable dental products to combat the 32 billion plastic toothbrushes and toothpaste tubes that end up in landfills each year.

According to Shannon Nixon, cofounder, "positive change doesn’t require radical shifts in your daily routine. Collectively, small changes in the kitchen, bathroom, and laundry can have a huge impact on the planet".

2 Embrace metal pegs for your clothesline.

Unlike their plastic counterparts, metal pegs have a longer lifespan, making them both environmentally friendly and cost-effective. Plastic pegs become brittle over time, break apart, and contribute to the growing microplastic problem. Australia alone has an estimated 120 million pegs in use, most of which end up in landfills or rivers. On the other hand, metal pegs can be recycled once they reach the end of their lifespan.

3 Opt for refillable handwash and bodywash products.

Each year, more than 150 million plastic containers of bodywash, handwash, and deodorant are discarded, with only a mere 15% being recycled in Australia. Many of these plastics find their way into landfills, rivers, or the ocean. Look for refillable options like Leif, whose shower gels come in pouches that can be sent back for refilling.

4 Make the switch to reusable water bottles and consider Soda Stream or Zip Water for sparkling water.

Australians purchase a staggering 15 billion plastic water bottles annually. Producing each litre of bottled water requires three litres of water and 250 ml of oil, placing a significant strain on the environment. By simply carrying a reusable water bottle, you can help combat the 130,000 metric tonnes of plastic waste that end up in Australia’s rivers and oceans each year, all while saving money. For those who enjoy sparkling water, investing in a Soda Stream or Zip water system offers the perfect solution, reducing plastic consumption even further.

5 Choose compostable alternatives for kitchen essentials.

While many single-use plastic bags have been banned across the country, plastic bin liners still linger. These bags often find their way into landfills and the environment, causing harm to wildlife. Some can take up to 300 years to break down, and birds and turtles mistake them for food. Fortunately, sustainable alternatives exist. Consider swapping your regular bin liners, zip-lock bags, cling wrap, and baking paper for compostable or biodegradable options. This simple switch allows you to maintain your routine while making a significant environmental impact.

By implementing these easy switches into your daily routine, you can actively contribute to the fight against plastic pollution. Together, let’s protect our precious ecosystems and preserve the beauty of our planet for generations to come.

Here are their top five effortless switches you can make to combat plastic pollution and safeguard our marine life:

Love & Money: How to Tackle Overspending in a Partnership

It’s no secret that the cost of living continues to impact Australians, with half of us struggling to meet our essential expenses.

So, how do you manage if you’re one of the 26 per cent who also live with a partner who overspends?

We speak to Financial Advisor and Money spokesperson Helen Baker to get the download on money challenges in relationships and tackling overspending head on.

Why do you think 1 in 4 Aussies who are struggling to meet their expenses are also experiencing a partner who tends to overspend – does stress and spending go hand-in-hand in tough times?

It comes back to their values and often their upbringing. It is said that from seven years old we have our association with money formed in our minds. So, if we come from a background of struggle, we can often go crazy with money and overspend when we have it.

For some, when stressed or frustrated, retail therapy can be a kick that makes you feel better for a moment. But then you have to continue to find that hit. People respond to stress in different ways – eating, working out, and for some, it’s spending.

Can you talk about the age breakdown and what over spenders are tending to purchase between age brackets?

A lot of the older age group understand that tough times come – so they can be less likely to overspend than someone younger who is used to having higher incomes and easy credit, and low interest rates. Overs penders link back to values of what they didn’t have as children, what impresses others, or just what makes them happy –their purchases can range from jewellery and shiny things and fast cars, or it might be as simple as regular visits to Kmart!

How can we tackle the transition from low interest rates to needing to spend less, without feeling as though we’re missing out?

If you have an old budget, go back and revisit what you spent three years ago and compare – have you changed your lifestyle and that is where extra spend is coming from? Or, is it just purely the increase in costs? Try to work out what is really important to you and what is not important to you and reset your budget. I like to have three options – an absolute basic one to get by until things change, a medium one that is a reasonable way to live, and then the “living your best life” budget to live according to what is happening at the time.

How do you recommend couples tackle this kind of sensitive financial conversation, especially if the “blame” is falling on one party?

I think it’s about sitting down and playing a game of “would you prefer?” Would you prefer to spend more now, or pay more off the home? Buy that furniture, or a holiday? Would you prefer to spend now or have the choice to retire? Or to put kids through private school? It’s about getting on the same page.

Most couples will have a different approach to spending based on upbringing so discussing is good. You may like to bring in a financial coach or counsellor so neither of you is seen to be attacking the other – let the coach be the one to bring it together.

The main thing is to tie yourselves into a goal that makes you decide together to target something. You can also separate out an amount each that you both get to spend on unchecked, so people can spend on what they want as long as it still means they are managing their other money well.

When do you recommend opening a joint account?

I believe it depends on the duration of the relationship. At the start best to keep things separate. As time goes on, you may put money into a joint account and still keep some money separate. When you have been together a long time and you feel you share the same values you might tie it all in together.

Do you find there’s more of a tendency to “hide” overspending?

Generally it is unknown. In some cases, it can be a surprise to the overs pender how much they are actually spending. With that can often come shame, guilt and fear, so you have to be careful (that it doesn’t become) a cycle of overspending to deal with that confrontation of spending. Gambling is a big one because they often think they will put that money back when they “win”! Transparency is key.

What other general advice do you have for someone who tends to overspend in a relationship but isn’t sure how to tackle bringing their outgoings down?

Don’t put your head in the sand or nothing will change. If you can see what is going on, and more importantly what is driving the behaviour, this will help you find your freedom. If you find it too hard to look at on your own, or you are unmotivated, or scared, then get a financial coach or counsellor involved and let them gently work through it all with you. It doesn’t necessarily mean you can never spend again, but it is about being in control of money so you don’t get down the track and realise you should have done things differently. As a coach says “it’s never about the money”; something else is always driving the behaviour.

“A LOT OF THE OLDER AGE GROUP UNDERSTAND THAT TOUGH TIMES COME – SO THEY CAN BE LESS LIKELY TO OVERSPEND THAN SOMEONE YOUNGER WHO IS USED TO HAVING HIGHER INCOMES AND EASY CREDIT, AND LOW INTEREST RATES.”

A luxury lifestyle for the over-50s

The Palm Lake Resort team has designed their most opulent and prestigious over-50s community to date. During the planning process, one thing became abundantly clear: modern over-50s will not settle for an outdated 'retirement' approach to living. Their diaries are full, and they prioritise their health and wellness.

The team of designers at Palm Lake Resort, who have more than 45 years of experience in the building of lifestyle communities, are aware that older homeowners are more likely to 'right-size' their houses than to downsize. These houses must have high-end furnishings and equipment that require little

maintenance. They ought to have enough room for close relatives and friends as well as the recreational pursuits that make these years worthwhile. For this reason, Palm Lake Resort has everything you need to live life to the fullest.

The Sonora dining and social precinct at Palm Lake Resort is a vibrant hub for residents to enjoy various activities and socialise. It includes a dance floor and a stage, providing a venue for lively events and entertainment. The precinct also features a commercial kitchen, ensuring that culinary delights are prepared to perfection. For those looking to unwind and savour breathtaking views, there is a fully licenced rooftop bar and a dining hall with water views, creating a delightful ambience for shared meals.

Eldorado Sports Precinct caters to the active lifestyle of residents. It offers an

array of facilities for sports enthusiasts. The precinct boasts an impressive eightrink undercover bowling green, providing an ideal space for friendly competitions and gatherings. Additionally, there is a four-lane ten-pin bowling alley, perfect for friendly matches and some competitive fun. Tennis and pickleball courts are available for those seeking outdoor activities. The precinct also includes a billiards room and a table tennis area, offering options for both leisurely and competitive gameplay.

The Cerante Arts and Leisure Precinct is a haven for creativity and cultural pursuits. It encompasses a luxurious movie theatre, allowing residents to enjoy the latest films in ultimate comfort. A library provides a serene space for reading and intellectual exploration. The arts and crafts room allows residents to indulge in their creative passions and explore various artistic mediums. Furthermore, a dedicated music room offers a place for residents to express themselves through music, whether through playing instruments or singing.

These additional inclusions enhance the already impressive offerings of Palm Lake Resort, providing residents with a well-rounded and engaging lifestyle. From dining and socialising to sports and artistic pursuits, residents have access to a range of activities and amenities that contribute to their overall well-being and enjoyment.

The over-50s demographic has also shown a shift towards prioritising health and wellness, with activities like yoga, Pilates, tai chi, and meditation becoming consistent inclusions in their routines.

To cater to these needs, Palm Lake Resort has placed special emphasis on creating opulent and considered community facilities. The resort is nestled alongside the award-winning Golf Course and features The Springs Country Club as its main community precinct. The Springs Country Club offers a rooftop bar, resort swimming pools, exclusive dining and social spaces, and a first-of-its-kind Mirador wellness centre.

Mirador is a purpose-designed wellness area within the greater Country Club precinct. It is the first time in Palm Lake Resort's history that such a dedicated approach to wellness has been embraced.

Homeowners have reacted incredibly positively to this new addition. The Mirador wellness centre includes a Milon gymnasium, where users can experience a circuit of slick electronic exercise machines. Each homeowner has a personal Milon smart card that they insert into each machine, storing their set-up requirements, health information, and exercise progress in the cloud for accessibility by chosen health professionals.

The resort also features a Palm Springsthemed outdoor pool deck with poolside cabanas and a swim-up bar. For aqua exercise options, there is a climatecontrolled, heated swimming pool indoors, ideal for aqua fitness classes such as aqua aerobics and H20 Pilates. Mirador also offers dedicated spaces for yoga practise and Pilates workouts, with premium reformer Pilates machines available for homeowners.

Beyond the exercise areas, Mirador provides a wellness lounge where homeowners can take a moment to relax. With gentle relaxation music and a Billi tap for sparkling water, this space offers a gentle way to find Zen. Additionally, the resort includes a premium sauna, known for its various benefits such as relieving sore muscles, eliminating toxins, and reducing blood pressure, stress, and pain.

Mirador pays attention to the little things as well. Changerooms, amenities, and personal lockers are well-considered, ensuring homeowners feel a sense of extension to their own space within the wellness centre.

For nature enthusiasts, the resort boasts meticulously landscaped gardens, allowing residents to immerse themselves in the serenity of the surroundings. The picturesque scenery creates a tranquil atmosphere, perfect for relaxation and contemplation.

In summary, Palm Lake Resort is not just a community; it is a thriving and enriching haven that embraces the desires, passions, and well-being of its over-50 residents. With its extensive range of amenities, from serene natural landscapes to diverse recreational and social offerings, the resort provides an exceptional living experience that is both luxurious and fulfilling.

palmlakeresort.com.au

Phone 1800 490 626

Tell us about midlife styling, do you find this can be an age where women need to realign with their style vision or find their style identity again?

Absolutely. This is also now me too –that stage of wanting to look ageless. Embracing our wisdom, not wanting to look 20 or even 30 but also not older than we are either.

Embracing Style in Midlife & Beyond VISIBLE IS THE NEW BLACK

My view and approach to fashion and styling is much more holistic – I am often asked ‘what do we need for the season?’ or ‘what are you must haves?’ or something along those lines. I don’t believe in sweeping statements like that. As women, we are multidimensional. Our identities are a tangle of connections to activities, places, interests, values & aspirations. We are so wonderfully diverse. So how can the ‘must have little black dress’ look amazing on all shapes, sizes and colourings?

Personal styling expert Jane Vandermeer and founder of Finesse Your Style is on a stylish mission, empowering women to discover (or rediscover) their personal brand through fashion. Get It Magazine’s Holly Bartter speaks to Jane to learn the tips and tricks to styling success, visibility as we age and embracing our midlife wardrobes.

Your niche is professional women – do you find women in this space can dedicate themselves so much to their work, families and other commitments that they forget to nurture their personal image and brand?

Oh absolutely! It’s one of the reasons why I love working with women in this space. We innately give so much of ourselves to others, whether that is our careers, partners or families. We put ourselves last or lower down the list. One day we come up for air and wonder who we are, possibly still doing our makeup in the same way that we did when we were younger (or purchasing ‘the same’ outfits each year). We lose our sense of fun and experimentation, we play it safe, almost robotic. I find it is at this point that women know they need help but aren’t sure where to start.

What does the phrase “visibility is the new black” mean to you? Can you share a little about how you work that into your business?

I observed long ago that women are often brilliant at their craft, their professions, they can be at the top of their industries however deep down there was still an undercurrent of challenging self talk about themselves and their bodies. Many I have met and still meet struggle with being visible. They would rather stay behind the scenes and play it safe. In styling terms, I call it ‘wearing beige’ Not because beige can’t be gorgeous but because they want to fade into the background and not draw attention to themselves.

As someone who is now embracing midlife, I feel passionate about playing a role in inspiring others to do the same. I wanted to challenge stereotypes about midlife women, and instead of being a part of the problem, I chose to become a part of the solution by developing a personal styling business that would empower midlife women to become highly visible.

How important is personal brand for our business and the impression we make on the world?

Very! Our screens are our shop windows. If we each had a bricks and mortar shop, we would carefully curate our shops with visual merchandising. Well our screens, our personal presentation and body language is our shop window – we are also a constant walking advertisement for our businesses.

So, every time we are visible we are representing our businesses. How many times have you popped onto an online call with someone who looks nothing like their picture? For a minute you think that you are in a meeting with the wrong person!

The other thing to consider is, as business owners we are always being watched, particularly online – you never know who might be looking in.

Can you share a client styling success story?

One beautiful client who comes to mind is a lady I will call Sally – Sally came to me by referral, and she’s in the midlife age bracket. When I met Sally, she would barely make eye contact with me, she was sitting quite hunched. Her body language was saying ‘I’m not owning or taking up space’.

However the biggest thing that I could see and feel with her was her lack of confidence.

The magic is giving women the tools they need to understand their bodies and shape. These skills are life skills that we are never taught! By the end of the program,

Sally had the confidence to find a beautiful dress, jacket and jewellery that was completely out of her comfort zone. She also “took up space, owned her space” on screen, and she had a sense of self assurance and an inner glow.

Sally’s weight hadn’t changed, but her focus and sense of self had. She was really shining brightly. The world was completely optimistic again! She was also full of ideas, telling me “Jane, I have had multiple business ideas. I am ready. I have made things happen!”

What are your top 3 pieces of advice to a woman in midlife who is struggling to find her style compass, especially when there are more places to shop than ever before?

• Carve out some time to invest in yourself – gather knowledge rather than a ‘quick fix’.

• Invest in some help – find someone who you align with.

• Invest wisely – some of my very favourite pieces in my wardrobe I have had for many, many years.

“THE MAGIC IS GIVING WOMEN THE TOOLS THEY NEED TO UNDERSTAND THEIR BODIES AND SHAPE – THESE ARE LIFE SKILLS WE ARE NEVER TAUGHT!”

Ready to Invest?

Our Guide to Maximising Your Money

The investment world can seem like an endless maze, so we’re sitting down with Certified Financial Planner Daniel Rickard to learn how to navigate investing as a beginner. From getting started to trendy saving tech, get savvy on the new investment opportunities to maximise your money and make informed choices.

Investing can seem like a daunting concept, so how do we get started?

As a beginner, the best first step is to educate yourself about the basics of investing. Start by reading books and articles or listening to podcasts. The next step would be to establish a budget and set aside a portion of your income specifically for investing.

Understanding your risk tolerance and time horizon when starting out with investing

is crucial to building a well-balanced portfolio that aligns with your financial goals. By gauging your comfort level with potential losses and the time you have before needing to access your investments, you can create a strategy that optimises returns while minimizing undue risk, ensuring a more secure and successful investment journey. A pre-constructed multi-asset portfolio that aligns with your risk tolerance and time horizon might be a good place to start as you continue to build your investing knowledge.

Is cash still king, or do you recommend broadening our investments?

While cash is an important part of any investment portfolio, it's essential to diversify your investments to minimise risk and maximise potential returns. Real cash rates are still negative – if your savings account is paying 4% p.a. while the most recent inflation data is 7 per cent per annum, you are actually losing 3 per cent per annum. By investing in a diversified portfolio of stocks, bonds, credit, real estate and cash, that is aligned to your risk profile you may be in a better position for long-term financial success.

With interest rates rising, it can be a challenge for many to consider finding more pockets of money to invest – any advice here?

In the face of rising interest rates, it's crucial to prioritise and optimise your spending habits. Focus on reducing unnecessary expenses and paying down any high-interest debt. You then need to prioritise savings for investing over other, often more fun expenses. This is hard in any environment, but the current cost of living crunch we are facing makes it even more challenging – start by aiming for a savings goal of 10 per cent of after-tax income and go from there.

Are you seeing any recent investment trends?

There have been several trends that have improved the landscape for new investors, making the world of investing more accessible than ever before. The reduction in fees for various investment platforms and products has significantly lowered the barrier to entry, allowing new investors to participate without heavy financial burdens. Improving technology and user-friendly interfaces have simplified the investment process, making it easier for beginners to navigate and manage their portfolios.

Micro-investing platforms have emerged as popular options for those with limited funds, enabling individuals to invest small amounts and gradually build their wealth. Furthermore, the wealth of information available through online resources, blogs, and financial podcasts has empowered beginners with the knowledge they need to make informed investment decisions and grow their financial assets. While these trends offer potential opportunities, it's crucial for beginners to understand the risks involved and consider their personal financial goals before diving in.

Is there a minimum sum of money someone would need to start investing with? We see apps that round up change from your purchases to start investing, what are your thoughts on this kind of tech?

There is no specific minimum sum required to start investing. However, it's important to consider the fees and costs associated with various investment options.

Fees can add up when investing small amounts but there have been new technology solutions to this problem. Micro-investing apps that round up change can be a great way for beginners to start investing, as they allow for low-cost entry and encourage regular contributions. Micro Investing Apps such as Raiz Invest, Spaceship Voyager, CommSec Pocket and Pearler are all worth consideration. Don’t get me wrong, there’s no chance that a 70-cent roundup from your recent Woolies purchase is ever going to grow into an amount that will influence your retirement. However, these apps do a great job of increasing familiarity with investing, forcing savings and boosting confidence so that in the future people are more comfortable investing.

“...THE BEST FIRST STEP IS TO EDUCATE YOURSELF ABOUT THE BASICS OF INVESTING.”

Make

Christmasspecial again

The festive season can be a busy, stressful time, leaving you feeling exhausted. This year, why not buy yourself the gift of a getaway that you’ll remember forever?

IF YOU’RE LIKE THE TEAM AT GET IT magazine, by the time Christmas rolls around you’re desperately looking forward to some time off over the break. However, this ‘time off’ tends to involve frantic present buying, hosting parties and overseeing kids on their school holidays. So, we’ve compiled a list of places where everyone can rest, recuperate and rejoice in the holidays? Whether you’re a solo traveler, coupled up, or looking for a family break, we’ve got you covered. Because everyone deserves a gift at Christmas.

For solo travelers

Take the long way

If you’ve ever wanted to embrace slow travel or just take it easy whilst sightseeing, then a train adventure might be the perfect holiday for you.

The Great Southern departs Brisbane on Christmas Day, transporting guests through to Adelaide on a three-night, four-day all-inclusive train adventure. It’s not just food, beverages, and accommodation that’s included, it’s also Off Train Experiences along the way, with stops in Coffs Harbour, Port Stephens, and Melbourne and surrounds before pulling in to Adelaide. Or if you’d like a longer escape, the Indian Pacific train journey departs Sydney on 24 December bound for Perth on an epic transcontinental crossing that’s also allinclusive. Both train journeys are ideal for people travelling solo – as the trains are super social; for couples or friends; or even for multi-generational travel. www. journeybeyondrail.com.au/great-southern/

Romantic retreats

Byron bliss

Where better to escape the real world than a rainforest that sits cheek-by-jowl to one of the most beautiful beaches in Australia? Nestled in 45-acres of magical subtropical rainforest, Crystalbrook Byron is the ideal place to reconnect with nature, while relaxing in quiet luxury. Spend quality time with your favourite person in one of the resort’s 92 guest suites, each with its verandahs or enjoy the sunshine and cocktails beside the infinity pool. A short walk through the rainforest takes you to the deserted Byron beach, ideal for romantic strolls. If you’re feeling energetic, hit the tennis courts or start the day slowly with some morning yoga, followed by time in the Eléme Day Spa. A perfect end to a perfect day can be found in the Forest restaurant, where over 80 per cent of the menu’s ingredients come from within a three-hour drive of the restaurant. The Relax and Retreat package is ideal for those travelling with a partner, with accommodation, spa treatments, breakfast and yoga sessions, amongst other treats included. Find out more at www.crystalbrookcollection.com

Fall in love with Lancemore

Sometimes you can’t escape family commitments, but you can choose where you’ll stay. If you have family in Melbourne, or would like to plan a romantic getaway as the perfect Christmas gift, then the Lancemore Milawa, in Victoria’s high country, is ideal. Leaning into local artisanship as well as relaxed international influences, particularly the sun-kissed palette made famous by the Moors, the newly redesigned and refurbished hotel strikes a balance between regional sophistication and world-class luxury. Rooms and suites now greet guests with polished concrete floors, sumptuous bouclé daybeds or linen-covered sofas, custom timber joinery and commissioned artworks. Hammocks, poolside cabanas and sunbeds lend a Mediterranean vibe, while the hotel’s position among Australia’s most celebrated wineries (Brown Brothers estate is just across the road) evokes a sense of Northern Italy. Bella! www.lancemore.com.au

The Greg Mortimer, Antarctica

Photo: Scott Portelli

Words: Charmaine Yabsley

Crystalbrook

Lancemore

Amazing Antartica

If you really want to push the boat out this Christmas, then this Antarctic bound odyssey may be perfect for those on Santa’s ‘Nice’ list. The 15-day cruise, departing from Argentina on the 14th of December, will guarantee you a white Christmas, as you spot your first iceberg whilst breathing in some of the freshest, crispest air you’ve ever experienced.

Win!

Expeditions explore the South Shetland Islands, discovering spectacular ice cliffs whilst watching out for whales, seals, and penguins. Conditions permitting, you will cross the Antarctic Circle, an imaginary line located at the Antarctic Circle.

For more information and inclusions visit www.auroraexpeditions.com.au

The trip of a lifetime worth $55K!

Family fun

A wonderful wander

Get the kids off their devices and log out from your responsibilities at Wander’s luxurious and sustainable eco pods located in two enviable locations in the Scenic Rim and Kangaroo Island. The Scenic Rim pods are in the heart of The Overflow 1985, where you can explore the surrounding rural beauty, which boasts a new world winery and a handcrafted homestead built in 1899 set on Lake Wyaralong. Or choose to visit Kangaroo Island, a magical island, home to breathtaking diversity and striking coastal rock formations, perfect for blowing away the cobwebs and releasing the year’s stress. You’ll have time to rediscover real connections –with each other and with our beautiful country. The only problem you’ll face is which location to choose. https://wander.com.au/

Surf’s Up

Situated opposite Yamba’s iconic Main Beach, The Surf Yamba is the first twelve room boutique hotel with an Australian coastal vibe, offering visitors an unforgettable visit to this sleepy surfside town. Designed by Sydney’s Design King company, the hotel has a rooftop along with a plunge pool offering unique 360-degree unrestricted views of the ocean. Beautifully designed, the bespoke and handmade furniture, as well as limited edition works by Australian artists and Leif amenities throughout compete only with the unforgettable views. Relax, overlooking the ocean while enjoying local cuisine delivered in breakfast hampers and charcuterie platters from local cafe Gather, and remember your own childhood beach holidays. It's truly the perfect spot to begin your own traditions. www.thesurfyamba.com.au/

Have you ever dreamed of exploring the unforgettable Arctic? Sailing the fjords, perhaps spotting a polar bear, counting the variations of blue in icebergs or imagining yourself an explorer? Aurora Expeditions is giving some lucky person the opportunity to win* a place for two on board one of its purpose-built intimate ships, the Greg Mortimer and recently launched Sylvia Earle in its Life-Changing Arctic Competition to the value of $55,390. (Running from May 18 to July 19, 2023 the competition is open to anyone globally over the age of 18 years.) The winner can choose between three incredible departures: Iceland Circumnavigation, Jewels of the Arctic or Svalbard Odyssey, each departing in 2024. To win they just share their dream Arctic voyage with Aurora Expeditions and why in 25 words or less and they could be the lucky winner. The prize package* includes the selected voyage in a Balcony C Stateroom and money toward their airfare.

For more information and to enter, visit www.auroraexpeditions.com.au

Set Sail

Embrace the high seas on the perfect grown-up's getaway on the Norwegian Spirit, returning to local waters on 23 December to commence her second local season starting with a 12-day Christmas and New Year cruise. The ship will visit ten ports between Melbourne and Auckland. Following her bow-to-stern renovation, the Norwegian Spirit now offers re-imagined staterooms, new venues and adult-centric spaces, such as the adults-only Spice H2O pool area and bar and the Mandara Spa – the perfect position to enjoy a massage while floating over the high seas. www.ncl.com.

Norwegian Spirit

Kangaroo Island

The Surf Yamba

Gentoo penguins coming ashore at Neko Harbour, Graham Land, Antarctica

Photo: Richard I'Anson

THE SOVEREIGN ISLANDS & SURROUNDS COMMUNITY LUNCHEON

Guests from Sovereign Islands and surrounds enjoyed a gourmet 3-course luncheon whilst raising $2,650 for Safe Haven Community, in support of National Domestic and Family Violence Prevention Month. The event was held at Mecca Bah Hope Island

Photography | Annie Noon @ Fotoforce Photography

Angela Underwood, Yas Stewy, Sally-Ann Ashworth

Jean Appleyard, Joanne Rahn, Jodie Lee Geoghegan, Kathy Bayldon

Kathy Bayldon, Shelley jacks, Kathryn Ral, Monique Dumaine

Anchalee Khamman, Denise Leal, Joanne Rahn, Abalitu Tuni Anbessie

Anna de Feo, Linda Finemore, Denise Kennerley, Jean Appleyard

Jacqueline Dummett, Denise Leal, Marilyn West, Linda Finemore

Dr Nerina Vecchio, Terri-Ann Clifford

Renee Muir, Demi Harrison

Jeanette Schmidt, Paul Chapman, Vanessa Chapman

Joanne Rahn, Lyn Snow, Ann Jones, Beverley Lunn

Jaeneen Cunningham, Samantha Blackman, Cassandra Hugonnet, Kerry Sainsbury

Vicki Lewis, Rosina Muncey

Michelle Geoghegan, Jaeneen Cunningham

Joanne Rahn, Abby Crisp

Maintaining Motivation on your health and fitness journey

Maintaining motivation on your health and fitness journey

Losing weight can be a challenging process when you don't have the right support and guidance. We often hear "I can't stay motivated". Now, true motivation ebbs and flows; it will never be constant. That's why utilising strategies to maintain momentum on your way to achieving your goals can be really helpful.

Here are some strategies to help you maintain your motivation on your weight loss journey.

1.

Set Specific and Realistic Goals:

Start by setting clear, specific, and achievable weight loss goals. Avoid vague goals like "losing weight" and instead set targets like "losing 10 kg in 2 months." Having specific goals gives you something concrete to work towards and helps you track your progress, which can boost your motivation.

2. Find Your "Why":

Understanding your personal reasons for wanting to lose weight can be a powerful motivator. Reflect on why you want to lose weight and how it will improve your life. Your "why" could be to improve your health, boost your self-confidence, or be more active with your kids.

3. Break it down:

Losing a significant amount of weight can feel overwhelming. Break your weight loss goal into smaller, more manageable milestones. Here at Vision, we make sure your goals are both realistic and sustainable. Celebrate each milestone along the way, such as losing 5 kilograms or fitting into a smaller clothing size. This helps you stay motivated by giving you a sense of accomplishment and progress.

4. Surround yourself with support.

Having a support system can make a big difference in staying motivated. Share your weight loss goals with friends, family, or a supportive community. Surrounding yourself with people who encourage and support your weight loss journey can help you stay accountable and motivated.

Track Your Progress: Seeing your progress over time can be motivating and help you stay on track. Celebrate your successes and learn from any setbacks to keep moving forwards. With our complimentary MyVision app, it will show you just how far you’ve come! It tracks your body weight in graph format, which makes your results something to be truly proud of!

5. Reward Yourself:

Treat yourself when you achieve your weight loss milestones. However, be careful not to use food as a reward, as it can create an unhealthy relationship with food. Instead, choose non-food rewards, such as buying yourself new workout gear, treating yourself to a spa day, or taking a day off to relax. Rewards can help reinforce positive behaviours and keep you motivated.

Bundall Studio ph: 5538 4788 Southport Studio ph: 5679 2235

Winter

Maple Lamb Pie Warmers

Say goodbye to summer salads and hello to hot stews and casseroles, pasta and pies, with these winter warmers.

Vietnamese Beef, Maple and Coconut Stew

Prep time 30 minutes

Cook time 2 hours 20 minutes

Serves 4

Ingredients:

• 3 tbsp olive oil

• 500g diced lamb

• 1 red onion, chopped

• 1 glass red wine

• 3 tbsp pure maple syrup (preferably dark syrup for its robust taste)

• 4 garlic cloves, thinly sliced

• 500g potatoes, peeled, cubed

• 2 carrots, peeled, sliced

• 3 tbsp tomato paste

• 4 tbsp gravy powder

• 1 beef stock cube

• 4 cups water

• 2 tbsp Worcestershire sauce

• 2 tbsp fresh rosemary, chopped

• 1 tbsp fresh thyme, chopped

• 2 tbsp cornflour

• 1 puff pastry sheet, ready rolled

• 1 egg, lightly beaten

• Salt and pepper, to season

Method:

To make the Filling:

Method:

Prep time 20 minutes

Cook time 2 hours 30 minutes

Serves 4

Ingredients:

For the Stew:

• 4 garlic cloves

• 3 red onions

• 1 tbsp vegetable oil

• 2 sticks of lemongrass

• 4 star anise

• 1kg beef shin

• 1-2 tsp dried chilli flakes

• 2 tsp ground cinnamon

• 1 tsp ground turmeric

• 2 tbsp tomato purée

• 1 1/2 cups beef stock

• 1 1/2 cups coconut milk

• 2 ripe tomatoes

• 2 tbsp fish sauce

• 2 tbsp pure maple syrup (preferably amber syrup for its rich taste)

For The Stew:

• 1/2 bunch fresh mint

• 1/2 bunch fresh basil

• 2 limes

• Steamed rice

1. Preheat your oven to 150°C. Peel and finely slice the garlic and peel the onions and slice into thin wedges

2. Place a large casserole pot or saucepan on a medium low heat and add the garlic and onions with a couple of tablespoons of vegetable oil

3. Crush the lemongrass a little in a pestle and mortar and add along with the star anise. Fry for 5 minutes

4. Cut the beef into 3-4cm chunks, removing any large bits of fat or sinew and toss with the chilli flakes, cinnamon, turmeric and a good pinch of salt and pepper until well coated, then add to the pan and fry for 5 mins until browned

5. Stir in the tomato purée, then pour in the stock and coconut milk. Chop the tomatoes and add to the pan, along with the fish sauce and the maple syrup. Bring to the boil, cover with the lid and place in the oven to cook for 2 hours or until the beef is tender

6. Turn your oven up to 180°C, remove the lid and cook for a further 30 minutes, until rich and creamy

7. Serve the beef over hot steamed rice and garnish with freshly torn basil, mint and lime wedges for squeezing over

1. Heat 1 tbsp oil in a large saucepan over medium-high heat.

2. Add the lamb. Cook, stirring occasionally, for 5 minutes or until browned. Transfer to a plate.

3. Heat the remaining 2 tbsp of oil in a pan over medium-high heat.

4. Add the chopped onion and garlic. Cook for 3 minutes or until soft.

5. Add the potatoes, carrots, rosemary and thyme. Cook for 5 minutes or until browned.

6. Add the wine, maple syrup, tomato paste and gravy powder.

7. Return lamb to pan then add stock cube, water and Worcestershire sauce. Increase heat to high. Bring to the boil then reduce to a simmer, covered, and stir occasionally for 2 hours or until the lamb is tender. Season with salt and pepper to taste.

8. Combine cornflour and 2 tablespoons of cold water. Add to the mixture. Simmer for 1 minute. Remove from heat and cool.

For the Easy Version:

1. Preheat oven 180°C.

2. Grease a 4 to 5cm deep, 20cm (base) pie dishes.

3. Pour the lamb mixture into the dish the line the puff pastry on the top.

4. Brush the pastry with the beaten egg then bake for 20 minutes.

For the Hard Version

1. Preheat oven 180°C.

2. Place one circle of puff pastry dough on a baking sheet lined with parchment paper.

3. Spread the lamb filling evenly over the dough, leaving a 1-inch border bare. Press the charm into the filling.

4. Moisten the border with cold water, position the second circle of dough over the filling and press around the border with your fingertips to seal well.

5. Using the back of a table knife, scallop the edges by pushing into the dough (about ¼ to 1/2-inch deep) every 1/2 inch or so.

6. Refrigerate for at least 30 minutes.

7. Bake for 40 minutes.

Cauliflower and Tofu Maple Korma

Method:

Prep time 30 minutes

Cook time 45 minutes

Serves 6

Ingredients:

For the Korma Sauce:

• 1/2 cup blanched almonds

• 2 tbsp pure maple syrup (preferably golden colour for its delicate flavour)

• 1 tbsp olive oil

• 1 onion, diced

• 2 garlic cloves, crushed

• 1 green chilli, finely chopped

• 15g fresh ginger, peeled and grated

• 1 tsp ground cardamom

• 1 tbsp ground coriander

• 1 tbsp ground cumin

• 1/2 tsp ground turmeric

• 2 cups water

For the Cauliflower and Tofu:

• 350g hard tofu, cubed

• 1 cauliflower, cut into florets

• 1 tbsp pure maple syrup (preferably golden colour for its delicate flavour)

• 1 tbsp olive oil

• 1 bunch of spring onions, chopped for garnish

For the Korma Sauce:

1. In a food processor, blend almonds, maple syrup and salt and pepper together until smooth

2. In a pan, heat olive oil and fry onion, garlic, chilli and grated ginger until soft. Add ground cardamom, coriander, cumin and turmeric and cook for a further 5 minutes

3. Add the contents of the pan to the food processor and blend together for 60 seconds

4. Transfer korma sauce to a saucepan, add water, stir and simmer on a low heat to warm through

For the Cauliflower and Tofu:

1. In a bowl, toss cauliflower florets and cubed tofu together in maple syrup and olive oil

2. Transfer to a baking tray, season with salt and pepper and oven roast for 20 – 25 minutes until tofu is golden brown and cauliflower is cooked through

3. Into serving bowls, ladle the warmed korma sauce over the roasted cauliflower and tofu

4. Garnish with chopped spring onions and serve with rice

One Pan Maple, Butternut Pumpkin and Pancetta Pasta

Prep time 10 minutes

Cook time 40 minutes

Serves 4

Ingredients:

• 1/2 butternut pumpkin

• 4 rosemary sprigs, leaves picked

• 2 garlic cloves, peeled and finely sliced

• 8 slices pancetta, finely sliced

• 1 tbsp olive oil

• 1/2 tsp chilli flakes

• ¼ tsp ground cinnamon

• 2 tbsp pure Canadian maple syrup (preferably amber syrup for its rich taste)

• 4 cups vegetable stock

• 250g dried pasta

• 60g parmesan, finely grated

• Salt and pepper, to season

Method:

1. Carefully remove the skin from the squash and cut into 2cm chunks. Roughly chop the rosemary leaves

2. Place a large saucepan or casserole (big enough to fit all the ingredients) on a medium – low heat and add a good drizzle of olive oil

3. Fry the pancetta and garlic for a couple of minutes until just golden then stir in the chopped rosemary leaves, butternut squash, chilli flakes and cinnamon

4. Fry for 4 – 5 minutes, until the squash is a little golden. Drizzle over the maple, fry for a couple more minutes till sticky and pour over the stock. Bring to the boil, then turn the heat down a little and simmer for 3 minutes

5. When the squash feels about half cooked stir in the pasta. The stock should just cover the pasta, but if not add a splash more boiling water

6. Season generously, reduce the heat and cover the pan. Cook for a further 8 – 10 minutes – you want the pasta to be al dente so check the packet instructions

7. When it is ready, remove the lid, turn up the heat and continue to cook for a minute or two to reduce the stock – it shouldn’t be soupy, but still a little wet, the pasta will absorb this as it cools

8. Add most of the parmesan and more black pepper. Taste and tweak the seasoning

9. Wait for 2 – 3 minutes to absorb more of the liquid off of the heat and give it a few more stirs, until silky and glossy. Then serve with the remaining parmesan over the top

Maple Beef Casserole with Winter Root Vegetables

Prep time 30 minutes

Cook time 2 hours 30 minutes

Serves 6

Ingredients:

• 2 tbsp vegetable oil

• 850 – 1 kg lean braising steak, cut into chunks

• 6 bacon rashers, chopped

• 2 onions, peeled and diced

• 4 carrots, peeled and cut into chunks

• 1 small swede, peeled and cut into chunks

• 2 cloves of garlic, chopped

• 1 tbsp tomato purée

• 3 tbsp pure maple syrup (preferably amber syrup for its rich taste)

• ¼ cup Worcestershire sauce

• 20g fresh thyme

• 1 bay leaf

• 4 cups beef stock

• 3/4 cup red wine

• 1 tsp cornflour

• 2 tsp water

Method:

1. Preheat oven to 160°C/Gas 3

2. Heat oil in a large casserole dish and brown the beef and bacon together

3. Remove meat and set aside

4. Using the same casserole dish, add the onions carrots, and swede and cook for about 5 minutes to soften

5. Add the garlic, tomato purée, maple syrup and Worcestershire sauce then return the beef and bacon to the casserole dish

6. Stir together and cook for another 10 minutes

7. Add the thyme and bay leaf, cover with the beef stock and red wine

8. With the lid on, transfer to the oven and bake for 2 hours until all the meat and vegetables are cooked

9. Remove casserole from the oven and stir in the cornflour and water mix into the cooked casserole

10. Serve with buttery creamed mashed potato

Vegan Chocolate and Maple Fondant

Prep time 15 minutes

Cook time 15 minutes

Serves 4

Ingredients:

• 1 tbsp vegetable oil

• 60g dairy-free butter

• 60g maple sugar

• 1 banana, mashed with a fork

• 1 tbsp maple syrup (preferably golden for its delicate flavour)

• 30g dark chocolate

• 60ml almond milk

• 60g self-raising flour

• 3 tbsp cocoa powder

• 1 pinch of salt

• 1 tbsp vanilla paste

Method:

1. Prepare your ramekins or tins by brushing them with a flavourless vegetable oil then dust with cocoa powder.

2. Cream together the dairy free spread and maple sugar until pale and creamy.

3. Add in the mashed banana and maple syrup and beat well.

4. Melt the dark chocolate in the microwave.

5. Place 4 tsp of the mixture on to a small plate and place in the freezer for 30 minutes or until they are just starting to firm up.

6. Pre-heat the oven to 180°C / 356°F / gas mark 4.

7. Next, fold in the flour, cocoa powder, salt, and vanilla paste to the remaining cake mixture.

8. Half fill each of the ramekins / tins with the cake mix.

9. Place the almost frozen cake mix into the centre of each ramekin/tin.

10. Cover over with the remaining cake mix.

11. Put the ramekins/tins in the oven and bake for 12 – 15 minutes or until the tops look set but when the pan is shaken, they have a slight wobble to them.

12. Remove them from the oven and give them a minute or two to cool slightly.

13. Run a spatula round the edge of the pan and turn them out on to the plate.

14. Serve with your choice of plant-based ice cream or pouring cream and fresh fruit.

saving made simple:

More Ways to Build Your Bank Balance

Creating positive saving habits isn’t always easy, but John Liston, Chairman of Liston Newton Advisory here on the GC, is here to ‘save’ the day with some effortless hacks and tricks. John also shares with us some methods to stay motivated on our saving journey and finding the right balance to suit our lifestyles.

What are some easy ways to save outside of the traditional methods we often hear about?

Over the years, I’ve found that the easiest way to save is to “pay yourself first”. If you set up an automatic direct debit into your savings account for a certain amount, so as soon as you receive your paycheck it gets taken away, you will effortlessly adjust your spendings.

I also suggest doing a budget first with all the expenses that you have and that you want to have (entertainment, clothes, dinners, wine) and confirm how much you are comfortable spending. Then I usually reduce this amount by a 20 per cent margin (to give me a bit of leeway) and that is the amount that I automatically direct debit out of my cheque account into my investment account.

Can we still splurge on the little things in life, or is it really about giving up that latte and avocado toast?

I don’t think you will stick to something if you are being forced to do it – you have to enjoy it. I personally enjoy looking at

my investment account once a month and seeing it go up (hopefully!). Then, the coffees I didn’t drink and the wines I didn’t have made it all worth it.

Nevertheless, I do like going out for dinner several times per week, as a lifestyle choice. I think it's important to create a wishful budget and include all the lifestyle expenses that you wish to have. In addition, you can also be smart and find opportunities to save on cash.

I also suggest people use some of their free time to find side hustles and increase their income capacity. This tends to be a winning formula as less leisure time usually translates into less expenses and hopefully the project is successful, and we end up with a bit of extra income. I’ve seen many times how people who listen to this advice, end up quitting their job and dedicating 100 per cent of their time to something they find more enjoyable.

How should we go about setting realistic savings goals?

First, be clear on your income. If it's complex (investment properties, business income at different points in time, ad hoc expenses), a financial adviser can assist you in defining this. Then, budget for your fixed expenses and your desired lifestyle.

Everyone is having to tighten their spending at the moment, do you have advice to keep motivated in saving even when it can feel a little dull?

I'm a big believer that “growth” is the biggest motivator for humans. In tough times, I suggest clients to focus on improvements, no matter how miniscule they are. Tracking

how much their debt facilities have reduced in recent times, how their superannuation accounts have increased due to recent contributions, it all helps. Every dollar counts, and once you can appreciate consistency, not effort, you will find the required motivation you need to keep going.

Is the "envelope stuffing" method or "piggy bank" style saving still worthwhile even for small deposits here and there?

Sure! Better than nothing. And if you are able to “stuff” more than $4k per year, it will put you above the median of individual savings in Australia

How are you approaching your client saving strategies currently, and how have they changed since interest rates rose?

We continuously review their spendings budget. As per cost of living increases and wages remain flat, the savings capacity reduces. In high inflationary times, we also tend to suggest clients to direct most or some of their surplus towards things that will improve their cash flows.

John Liston

Astrology is an ancient timing technique that constantly inspires with its cyclical nature, and Sarahʼs focus is to work the energetic weather-scapes to its highest forms and functions, allowing a greater understanding of life’s ebbs and flows.

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Sarah Murphy

Find out what’s in your stars, with popular astrologer Sarah Murphy. Connect with Sarah and request a personal reading at luminary-astrology.com; find her on Instagram @luminary_astro and Facebook ‘Luminary Astrology’.

Leo

July 23 – August 22

Your creative and pleasure sector is illuminated on June 4th’s full moon. Mars is in aspect to the moon making you a force to be recognised and giving your creative fires a stoke. Embrace the things that make you glow. The new moon on 18th is a cooler and more nebulous experience. Your social sector might feel a bit foggy and idealised. Let any fog settle before making any big decisions around groups and social groups.

Virgo

August 23 – September 22

June 4th is a full moon in your home and family sector. It’s a bold and brave full moon which brings enthusiasm to your most private and personal of spaces. The new moon on June 18th is a little different. Your career and reputation sector are a little foggy and changeable thanks to Neptune’s influence. Wait for more clarity and perspective before any big decision. Things are not what they seem.

Libra

September 22 – October 23

The full moon on June 4th is a warming and empowering lunation showing you how your local surroundings and neighbourhood supports and encourages you. Engage with local community and feel their warmth. A new moon on June 18th in your travel and communication sector might see some clouded judgement or confusing information circulate. Wait for the fog to lift before any big decisions.

Cancer

June 22 – July 22

A lovely full moon on June 4th in your health and wellness sector is a motivating force, inspiring brave and bold decisions around your mental and physical wellness. The new moon on June 18th makes for a very different experience. Dreams, meditation and any spiritual pursuits create challenges and breakthroughs with Neptune’s nebulous influence.

Scorpio

October 23 – November 21

Your financial sector is activated by this month’s lunation, with the full moon on June 4th highlighting your earned income and selfworth. It’s an empowering full moon showing the rewards of your bravery and boldness. The new moon on June 18th is quite different, don’t let clouded judgement impact shared resources you share. Wait for the fog to lift before any big commitments to debt or contracts.

Sagittarius

November 22 – December 21

The full moon on June 4th shines on you and your identity. It’s a bold and exciting full moon for all to see your wisdom and generosity. Enjoy the attention. The new moon on June 18th will be in your relationship house and is quite a different vibe. Relationships might not be what they appear to be. Let the fog lift before you jump to any final conclusions.

Capricorn

December 22 – January 19

June 4th has a full moon in your spirit and soul sector, it’s a bold and brave full moon, supporting any spiritual retreats you may wish to pursue, making for positive results once you make space for it. The new moon on June 18 is a little different with a more nebulous feel. Take care of health and your wellness and remain grounded as the fog passes.

Aquarius

January 20 – February 18

Your social networks and community groups are the focus of the full moon on June 4th. It’s a bold and bashful full moon, perfect for connecting and celebrating with friends. Enjoy their splendour. The new moon on June 18 is a little different thanks to Neptune creating a foggy vibe around your passion and creative sector, wait for the fog to lift before making any final decisions around love or creative pursuits.

Pisces

February 19 – March 20

The full moon on June 4th is in your career and reputation sector. It’s an optimistic and bold lunation which celebrates your passions and motivations. Don’t shy away from where your passion’s lie and why it means so much to you. The new moon in your home and family sector on June 18th might see some misunderstandings or lack of clarity in these spheres. Wait for the fog to lift before you make a final judgement.

Aries

March 21 – April 19

The full moon on June 4th a bold lunation which motivates and endorse any pathways towards international travel or study. Brave and optimistic moves will have strong results. The new moon on 18 June is a very different. It’s an imaginative new moon creating a cocoon or bubble affect around your local surroundings, making for surreal or dreamlike encounters.

Taurus

April 20 – May 20

This month’s moon cycles are in your financial sector. June 4th is a brave and positive full moon, highlighting shared resources and assets. Bold propositions or idea might appear from an outside source. The new moon on June 18th is a little different. Things are not what they appear in your income or self-worth area so just let things play out, it’s an evolving situation.

Gemini

May 21 – June 21

Your relationship sector has a brave and optimistic full moon on June 4th which embraces your closest partnerships. A perfect moon to connect and celebrate your closest relationships. A new moon on June 18th is in a visible and important part of your chart; is a little more capricious. It’s a so make sure you aren’t giving of mixed signals and go with the flow – no matter what direction it takes.