Plus Living+ Otago/Central Otago Issue #4

Variety is the spice of life

The joy of exploring different cuisines

The benefits of challenging yourself

Why leaving your comfort zone is good for you

10 ways to stay motivated Drive for life

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Taking time in your stride

Welcome to Plusliving – the magazine which might not quite stop the passage of time, but certainly tries to help you navigate it with aplomb.

This issue leads off looking at the traits of good leaders, offering 10 tips anyone can apply to their lives.

We look at the upside of exiting your comfort zone and challenging yourself, the various methods and benefits of indulging in meditation, and offer some simple steps to help put you on the path to happiness.

There are also pieces on ways to stay motivated for all things in life, how to retire before you’re 65, the joy of exploring different cuisines, keeping your place safe when you’re away, brain games to sharpen the mind and some simply delicious recipes. Enjoy.

Enjoy!

JonathonTaylor

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Publisher: The Job Agency Ltd 38 Lowe Street, Addington, Christchurch 8011

Managing Director: Gary Collins

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Editor: Jonathon Taylor (03) 961 5098 | editor@markat.co.nz

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6

Welcome to Plusliving – the magazine dedicated to living well and ageing gracefully in modern society. Aimed at the 50+ age group, you’ll find articles covering all aspects

contemporary life, including physical health and wellbeing, mental health and acuity, home life, working life and finances, technology, travel, self-improvement and more. Our aim is to provide information anyone can use, on any given day, so you can get more out of life.

Disclaimer

Contents Copyright 2020 by The Job Agency

Lifestyles

By Jamie Quinn

Tropea 3 Piece Outdoor Lounge Set - Gunmetal

This contemporary chic outdoor lounge set features an aluminium frame, deep seats, and trendy mesh side panels. Tropea is built to handle the elements, ensuring that your outdoor space stays stylish year-round. Elevate your deck or patio with Tropea, where modern design meets durability. RRP $3,797 | www.targetfurniture.co.nz

Bryne Outdoor Cushion

Add a splash of style to your outdoors with the Bryne Outdoor Cushion. UV and fade resistant, it holds up to regular use in your outdoors. Showcasing a striking diagonal swirl pattern in copper, spruce yellow and lichen green hues, this outdoor pillow adds pop of colour to any living room or outdoor setting.

RRP $79.95 www.freedomfurniture.co.nz

Bampton Fire Pit

Send your summer evenings roasting marshmallows around the Bampton fire pit. This modern wood burning outdoor fire pit is crafted from iron and features matte black heat resistant paint. Perfect for creating a cosy atmosphere for those nights spent under the stars.

RRP $329.00 | www.earlysettler.co.nz

Mimosa Caymen Wooden Cantilever Umbrella

This elegant Mimosa Caymen Wooden Cantilever umbrella is the ultimate shade solution to your outdoor area. The frame is made from a gorgeous eucalyptus timber and accompanied by a strong powder coated steel swivel cross base. With UPF50+ protection combined with a 360-degree swivel base, this umbrella ensures you are always protected, no matter which direction the sun is shining.

RRP $799 | www.bunnings.co.nz

Baya Summit Peak Outdoor Rug – Khaki

Revitalise your outdoor space with these contemporary and fully reversible floor rugs. Soft underfoot, the handcrafted double weave stripe design looks stunning on any surface and can be used in and outdoors interchangeably. The Baya Summit Peak outdoor rug features a heavy stripe on one side, and a finer design on the other, simply turn the rug over to create a new look in moments.

RRP $545 SML, $900 LGE | www.inkandbrayer.co.nz

Peace of mind The power of meditation

People have been mediating for around 3,000 years.

Meditation is a practise that can bring long lasting and impactful benefits into our lives and our wellbeing state.

It is an uncomplicated and easy practise, requiring no other equipment except yourself and a few spare minutes daily.

Learning to mediate is just another tool that can be used to cultivate space and inner peace in ones often times busy, and hectic life.

The emotional and physical benefits of meditation can include: gaining a new perspective on stressful situations, building skills to manage your stress, increasing self-awareness, focusing on the present, reducing negative emotions, increasing imagination and creativity, and increasing patience and tolerance.

Meditation can be defined as a set of techniques that are intended to encourage a heightened state of awareness and focused attention.

Stripping away layers and putting focus on the breath is often a key aspect of the practise.

Meditation is also a consciousness-changing technique that has been shown to have a wide number of benefits on psychological well-being.

There are nine popular types of meditation practice:

Mindfulness meditation

Spiritual meditation

Focused meditation

Movement meditation

Mantra meditation

Transcendental meditation

Progressive relaxation.

Drive for life

It’s important to remember however that although there are different types of meditation, there really is no right or wrong way to do it. Simply taking the time for quiet, peace and stillness is really what it’s all about- make meditation work for you and do what feels right.

Mindfulness meditation is a great place to start for beginners, it originated from Buddha teachings and can easily be practised alone without a teacher.

Set aside some time and sit by yourself, you can sit however and wherever you like as long as the space is quiet. Observe the present moment and let your thoughts roll by without judging them (easier said than done!).

No matter what happens as your thoughts wander, always remember to return to the present moment, this is where mindfulness takes place. Feel your breath flow in and out and try to remain focused on the breath.

When you make mediation apart of your daily return such as we do exercising, it is likely that you will soon start to see the positive impacts and a potential perspective switch that can be life altering.

There are many helpful free resources online for beginners in meditation. YouTube, Google and there are many podcasts out there that can guide you in mediation and help you get into the groove of things.

FIRSTLY, AND ARGUABLY MOST IMPORTANTLY, CHOOSE TO BE HAPPY

Nobody but yourself has control over how you feel and, as a bonus, happy people are easily motivated. Tell yourself everyday how awesome you are.

BE WILLING TO LEAVE YOUR COMFORT ZONE

The greatest barrier to achieving your potential is your comfort zone, so try taking yourself out of that zone once a day; expect great things.

DON’T BE AFRAID TO TAKE RISKS AND MAKE MISTAKES

Wisdom is that which helps us avoid making mistakes, but it only comes from making millions of them.

START FINISHING EVERYTHING YOU BEGIN

With so many things on these days, it’s easy to have too much going on at once. Finish one task before you begin another.

DO LESS. LET GO OF COMMITMENTS

Whatever you do or keep in your life, make it worthy of keeping. Make everything count.

LIVE FULLY IN THE NOW

When you live in the past or the future you lost control over the present.

REMEMBER YOUR PEAK MOMENTS

These are moments of triumph which will remind you who you are, what you are about – and more importantly why you are chasing your unique goals.

DON’T GIVE UP

It’s so easy to quit when there’s a setback or frustration. But you will never get there is you quit.

DON’T LET THE SLUMP START

Recognize the activities you do procrastinate and nip the behaviour in the bud. Take action right away, no matter how small the victory, and use that momentum for further tasks.

DARE TO DREAM BIG

If there is anything to the law of expectation then we are moving in the direction of our dreams, goals and expectations.

Ten traits all

good leaders have

There’s no easy answer for how to be a good leader. Different approaches work for different individuals, but if we look at some of the notable leaders of the past and present there is, unsurprisingly, distinct characteristics they all share.

Courage

Aristotle spoke of courage as the first virtue. Many speak of it as the backbone of leadership. Leaders need to be decisive yet inclusive, innovative yet reasoned, selfless yet confident – all of which takes courage.

Curiosity

Curiosity is not only a prelude to foresight, but also identifies threats and opportunity, and seeks out areas for improvement.

A good leader takes an active interest in the world around them. They have an appetite for knowledge and are always asking questions, always learning, always experiencing, and as such are always expanding their awareness.

Confident body language

Communication expert Lisa Marshall notes that leaders aren’t always the most intelligent or strongest people in a group, rather those whose body language and charisma draws people in and have the ability to hold the attention of an entire room.

Humility

Humility encompasses so much more than altruism; it’s about having integrity, being accountable, honest, admitting when you’re wrong, and above all, making those around you feel valued.

5 Decisiveness

Good leaders possess the power to block out background noise and “interpret situations with rational and emotional intelligence” says Bill Treasurer.

A good leader understands that by practising humility themselves, others will be more willing to go beyond the call of duty knowing their efforts will be recognised and appreciated.

Persistence

A good leader is unremitting. That’s not to say they try the same thing over and again or endlessly pursue dead ends, but rather try different approaches until they achieve what they set out to. Where others would be understood or even forgiven for backing out, good leaders keep at it.

Empowerment

A leader must trust in their team’s capabilities. Empowerment is a less authoritarian style of leadership than delegation; it still encompasses assigning who to what role, but then it’s about trusting employees to perform their tasks. Team morale is heightened when individuals feel depended upon for their unique responsibilities.

Passion

Passion reveals itself in various forms, but the common denominator in every case is inexorable commitment. True passion requires honestly committing to something about which you feel deeply, and staying committed through difficult circumstances.

Strong work ethic

A good leader is a hard-working leader who organises their time so as no second is wasted. They achieve higher productivity than the average worker - meeting benchmarks before anticipated and ticking off goals at an accelerated rate. A leader’s work ethic also sets the benchmark for others.

A sense of humour

It’s all very well to be serious about what you do, but a good leader recognises the need for humour, both inside the workplace and out.

Many people find comfort in humour and by appropriately using humour, a leader becomes more relatable, staff are more inclined to open up and any potential problems are likely detected in advance. 6

PAKAWAU BEACH CAMP PAKAWAU BEACH CAMP Golden Bay Golden Bay

Pakawau Beach Camp sits on the sea front enabling you to enjoy the sounds of waves meeting the shore, to amazing sunrise and sunsets over the ocean.

Come and pitch your tent, park your camper van or stay in one of our beach front cabins.

Less than a 20-minute drive from Pakawau you will discover an abundance of stunning scenery including, Cape Farewell, Farewell Spit, Puponga Farm and Wharariki Beach.

Old

The benefits of challenging yourself

Why getting out of your comfort zone is good for you

It’s always nice to get out of your comfort zone (also associated as your security blanket and something you’re familiar with), to experience things you thought you’d never do before.

Challenging yourself is beneficial for your personal life and professional life. To further understand this concept, it’s important to know why getting out of your comfort zone is good for you and discuss the different ways of doing so.

In terms of your personal life, getting outside of your comfort zone is good for you, so you can explore new activities, hobbies, and ways of doing things, which helps shape who you are.

When you grow older, you can change the way you look, act, feel, what you like, and other habits because you don’t know if you’ll like something until you try.

After experiencing something new, you can grow as a person, take risks, experience change and even difficulties in some cases. However, trying new things is better than sitting back and never experiencing change at all. Getting out of your comfort zone is good for your mental health and wellbeing, as it shows you’re courageous, curious and committed.

What can throw you off is worrying about ‘what if’ but there’s no time to overthink when you’re trying something different.

It’s about letting go of your fears and taking a step forward each time. Taking a leap of faith actually eases your stress levels because you can show yourself what you’re capable of.

For example, meeting new people, learning new skills and travelling to new places is doing different things that you might enjoy.

You can tell if you don’t like doing something by how you feel. If you talk in front of a huge crowd (and you’re not used to it) and you feel like you don’t want to do that again, that’s okay because you gave it a go. According to an American psychiatrist Abigail Brenner MD, a little bit of anxiety can be good for you because you’re bound to have some anxiety, stress, or worry before having new experiences.

In your professional life, getting out of your comfort zone can allow you to pick up on new work habits, start a new business career, gain confidence, become a friendlier team member, and improve how you feel overall.

Getting over your fears can make you grow the confidence to say no when you want to, allows you to gain new skills like leadership qualities by speaking up in meetings, and be a great team player for making an effort to get to know all your colleagues.

For example, attending local networking events allows you to meet more professionals and helps expand your professional network, which can lead to more friendly relationships, employment opportunities, mentorships, and CV references.

Next time you rethink about trying something new, try getting out of your comfort zone as it may take you a long way.

residential care, independent living units and now also full care in our spacious serviced apartments. Our friendly, caring community has been developing for 30 years. We are still growing and welcoming new members to share our common bonds of independence, friendship, and the simple pleasures in life. P:

Sue Prowse, General Manager

Taking control Simple steps to put you on the path to happiness

STOP COMPLAINING

One of the first things to do on your journey to creating a happier you, is to stop complaining.

Even if you have to do tasks at work or home that you hate, be grateful you have a job and a home – just get it done. A major difference between happy and unhappy people is that happy people have the ability to appreciate what they have.

START BEING PROACTIVE

Stop waiting and start doing. This isn’t some catchy yet vapid phrase; if you want things to be different, you are going to have to hit the ‘go’ button and just get on getting on.

SET SOME GOALS

Whether you start small or go for broke with your goal setting, you need to at least have some kind of idea of what you want your life to look like so you can start working towards it.

GET ORGANISED

This runs very much hand in hand with goal setting. It allows you to say goodbye to chaos and hello to knowing where things are. Organise your stuff and get your life together as a result.

HANG OUT WITH PEOPLE WHO ADD TO YOUR LIFE

How do you know who you should spend time with? Ask yourself this question: do they make you feel better after you spend time with them? If the answer is yes, then make a conscious effort to spend more time with them. The positivity will rub off on you.

GET A PET AND TAKE CARE OF IT

There are several reasons you should get a pet. Not only will it teach you to be more responsible, but it’ll also show you there’s more to life than what’s going on inside your head

STOP CHASING HAPPINESS VIA EXTERNAL ATTACHMENTS

The buzz you get from ‘retail therapy’ is only a temporary and won’t last long – that’s the catch with consumerism. True happiness can only come from within.

START SAVING MONEY

No matter what stage of life you’re in, it’s always a good idea to focus on building your savings.

Calling your own shots, financially speaking, gives you the freedom to make choices in your life separate from your weekly pay check.

DO WHAT YOU’LL SAY YOU’LL DO

How do you feel when someone says they’ll do something, and then they don’t? Every time you do what you say you will do, you build credibility. Part of keeping your life on track involves being trustworthy and living your life with integrity

LOOK AFTER YOUR BODY

Taking better care of yourself will have a dramatic result on your life – not just from a health perspective, but also from an energy perspective. When you’re properly nourished and operating at peak performance, you’ll feel like you can take on the world.

L O O K

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High life in the slow lane

If a sense of purpose and belonging is what’s required, then Elmslie House is ‘on the money’ and residents Bob Carson and Wendy McArthur are glowing examples of just that.

Bob has recently moved from Dunedin, choosing Elmslie because it is close to his daughter, Debbie, who lives in Luggate.

Married for 55 years to Margaret, the couple raised their family, and enjoyed many holidays at their crib in Mahinerangi where a popular activity was taking the boat out onto the lake and fishing.

Bob spent almost his entire career working for the railways, starting as a ‘fireman’, a job he loved. But working for the railways wasn’t Bob’s first choice of job. He was a keen deer stalker and was interested in pursuing it as a career but given its dangers, he was talked out of it by his father and the rest, as they say, is history!

His move to Elmslie, while taking a little time to settle in, has been a positive one. Having stayed at Elmslie for a fortnight to “try it out ”, he decided to move permanently and is now getting to know other residents and join in various activities including morning exercise classes. Bob was always a keen vegetable gardener, and he hasn’t let that slide so he’s growing potatoes outside his room.

As for 91-year-old Wendy, she’s all about getting on because, “life is one big adjustment, different things happen as you go through life, so you just have to adjust ”

Wendy has lived at Elmslie for six months and while her eyesight is failing, she’s not about to let that stop her from having some fun!

“I think Elmslie is a very nice place, everyone is very friendly, and we don’t miss out on anything.”

Wendy grew up in Dunedin, met her future husband, John, through her brother Garth where both men worked for local construction company, William McLellan Ltd.

Originally from Scotland, John moved to Dunedin and asked Garth if he had a sister. Replying “yes”, John made it his business to meet Wendy and within a year they were married!

They had two daughters, one of whom, Lynley, now lives in Clyde. Wendy also has two grandchildren and two great-grandchildren.

She fondly reminisces about her years of playing hockey and being in Probus but it’s clear both she and Bob are living good lives. While moving to Elmslie has brought about changes, they’re very much living the high life in the slow lane!

To find out more about Enliven carehomes please visit psotago.org.nz/enliven.

Elmslie residents Bob Carson (left) and Wendy McArthur (right) with some of their special mementoes. Residents are encouraged to bring their special items when moving into our carehomes, so they can be surrounded by the things that they love.

Enliven Services Otago

Enliven offers you choice. Whether you are looking for retirement living options, activities in your community or supported living facilities, Enliven is here to bring your plan to life.

To make an appointment or find out more about Enliven services in Otago: phone 03 477 7115 email enliven@psotago.org.nz web psotago.org.nz/enliven

Enliven care homes

The joy of sharing

One of the great joys of life is seeing young people interact with older people and that’s exactly what is happening at Elmslie House in Wanaka. Activities Coordinator, Gilly Pugh, knew there would be benefits all around by bringing school children to Elmslie to share some time with residents.

“I approached Te Kura O Take Kārara and Holy Family schools, inviting the children to share school projects, sing, dance, play games and read out loud to Elmslie residents,” says Gilly.

“The purpose is to foster a relationship between our youth and older people in our community. Reading to them is one way to create a connection and the programme aligns with our wider philosophy of bringing our community into Elmslie House.”

Children from both schools have visited and 10 children (aged between 7-11 years) and a teacher from Te Kura O Take Kārara visit at least once a week.

“The feedback from schools and residents alike has been really positive. The children volunteer to come along and the residents really love it. We began with two children sharing with one resident, and this has now changed to one-on-one.”

“Teachers, children and residents all agree that it is a very wholesome and heart-warming activity with great positives for everyone and we are looking forward to continuing this programme in 2024.”

Retirement Villages

Community based services for older people

residential services are provided by Presbyterian Support Otago, a registered charity, first established in 1906.

Photo top: Wendy enjoying a visit from a local school child. Photo right: Elmslie House care home in Wānaka

4

Sudoku

RULES: Sudoku rules are simple. A 9×9 square must be filled in with numbers from 1-9 with no repeated numbers in each line, horizontally or vertically. To challenge you more, there are 3×3 squares marked out in the grid, and each of these squares can't have any repeat numbers either.

ANSWERS:

Crossword

Across:

1. Stage lamp

8. Starting point in reasoning

9. Makes a ties less tight

Concept 12. Item on a belt

UFO pilots 13. Wet period in the tropics 16. Bog fruit

Down: 2. Piece of office gear 2. Small spade

You look through it

Salon stylist

Fruit pastry 7. By the way 11. Lining fabric 14. Spiritual song

ANSWERS:

ANSWER:

Mind Games

The old saying ‘use it or lose it’ applies as equally to mental acuity as it does to physical wellbeing, and more so as we age.

With people progressively living longer lives, it is increasingly important to look after our mental health. So here are some activities for the mind… brain food for improving your state of mind.

Road safety as a senior citizen

Older drivers are involved in fewer crashes than other age groups. They tend to drive conservatively, travel fewer kilometres than other drivers and restrict their driving to times and situations where they feel safe.

Older drivers don’t have as many crashes. However, if involved in a crash, older drivers and passengers are more at risk of being seriously injured or killed. This is mainly due to their physical vulnerability. With the same impact force, the fatality rate is approximately three times higher for a 75-year-old vehicle occupant than an 18-year-old one.

Illness and changes that are more common with age increase the risk of older drivers being involved in a crash. These changes may be physical, or they may be changes to memory and thinking.

Planning ahead - Ensuring you keep up with road rule changes, planning your driving route, and when possible, travelling at less busy times can help older drivers feel safer.

Staying Safe a refresher course for older drivers

To enable you to continue to live well it is important to plan in case you have to manage without a driver’s licence. Depending on where you live options can be; buses, taxis, community transport, walking, mobility scooters, and help from friends and family.

Continued learning - New Zealand Transport Agency and Age Concern provide free Staying Safe refresher driver theory courses which are a great way to refresh your understanding of the road rules, but also talk about community transport options with your peers in your local area.

Mobility scooter courses are also available. If you are considering buying a mobility scooter, taking one of these courses before purchasing can help you make the correct decision when buying. Starting out with the correct advice will help you to make safe choices when using your mobility scooter.

Both these courses are available in most areas and are free. Please contact your local Age Concern.

In some areas free driver coaching for senior drivers is available. Please contact your district council road safety coordinator to find out more.

deicious Simply

By Jamie Quinn

Baked feta pasta

This baked feta pasta has it all, bold flavours, creamy comfort, and carbs!

* This dish is easily adaptable and can be tweaked to suit your preferences. Add spinach for extra vege or try adding a cooked protein of your choice before serving. Some good options are chicken, bacon pieces or even grated tofu.

Ingredients

• 500g cherry tomatoes

• 4-5 garlic cloves

• 1 block of feta

• ½ cup olive oil

• Salt and pepper to taste

• 350g (approx) pasta of choice

• Fresh basil, sliced or torn

Easy pesto eggs

These easy pesto eggs are a savoury and delicious breakfast or lunch option!

Method

1. Preheat oven to 200°C.

2. In a baking dish, add the cherry tomatoes and garlic cloves. Place the block of feta into the middle of the baking dish. Pour over olive oil and season with salt and pepper.

3. Bake in the oven for approximately 30 minutes, or until the tomatoes are bursting nd the feta is browning.

4. While the feta and tomatoes are cooking, cook your pasta of choice in a pot of salted boiling water. Once cooked, drain and reserve.

5. Once the feta and tomatoes are cooked, remove from oven. Add the fresh basil. Stir, and mash tomatoes slightly to combine all ingredients together into a sauce.

6. Add your pasta. Stir to coat the pasta in the sauce. Enjoy!

Ingredients

• 2 tablespoons pesto

• 2 eggs

• Pinch of salt

• Pinch of ground black pepper

Method

• Pinch of red pepper flakes (optional)

• 2 pieces sourdough bread

• 2 tablespoons herbed goat's cheese

1. Heat a frying pan over medium heat. Once hot, spread the pesto in a thin layer across the pan.

2. When the pesto is warm, crack the eggs into the pan. Sprinkle with salt, pepper, and red pepper flakes. Cook the eggs for 4 to 5 minutes or until the whites are set and no longer translucent.

3. Meanwhile, toast the bread and spread with the goat cheese.

4. Remove the eggs from the pan and place them on the toast.

5. Serve immediately and enjoy!

Curried kumara soup

Best described as a soul-warming goodnes.

This soup is super easy to make and is a great winter warmer, perfect for the cooler months.

Ingredients

• 1 tsp oil

• 2 medium onions peeled and chopped

• 1 tsp minced garlic

• 1 tbsp curry powder or red curry paste

• 2 medium orange kumara, peeled and chopped

• 4 cups chicken stock

• 2/3 cup evaporated milk.

Method

1. Heat the oil in a large saucepan.

2. Add onion and garlic and stir over a medium heat until the onion softens.

3. Add curry powder or red curry paste and cook for a further 1-2 minutes.

2. Add kumara and chicken stock and simmer for 10 minutes or until the kumara is soft.

5. Puree the mixture, and add evaporated milk and heat through without bringing to the boil. Adjust the seasonings to taste.

Serving suggestion:

Serve sprinkled with chopped fresh coriander or parsley.

Easy minestrone soup

Ingredients

• ¾ cup (135g) pasta spirals or shells

• 1 large onion, peeled and chopped

• 6 cups chicken stock

• 1 x 500ml jar tomato pasta sauce

• ½ tsp dried oregano

• 1 tbsp sugar

• 1 cup pumpkin, peeled and chopped

• 1 large potato, peeled and chopped

• 1 large carrot, scrubbed and chopped

• 1 cup frozen peas, thawed

• 1 x 425g 4 bean mix, or red kidney beans (drained)

• 2 tbsp fresh parsley, chopped.

Minestrone is a hearty Italian vegetable soup made with tomato-y broth and pasta or rice.

There is no set recipe for minestrone, which can usually be made with whatever vegetables you have on hand.and is a great winter warmer, perfect for the cooler months.

Method

1. Combine pasta, onion, chicken stock, pasta sauce, oregano, sugar, pumpkin, potato and carrot in a saucepan.

2. Boil uncovered for 15 minutes.

3. Add peas and 4 bean mix and cook uncovered for 10 minutes. Add parsley, stir until hot.

Serving suggestion:

Serve sprinkled with parmesan or grated tasty cheese and bread.

Leave no spot unchecked with a Full Body MoleMap

Worried you’ve spent too much time in sun? Or concerned about a new or changing mole? Give your skin its best chance with an expert skin cancer check by MoleMap.

Melanoma is fast growing and can quickly become deadly.

1. Around 4,000 New Zealanders will be diagnosed with it this year alone.

2. Approximately 70% of those cases will be in people aged 50 years and older.

3. However, the good news is that melanoma is almost always preventable if it’s detected early enough.

We check. And double-check.

With MoleMap you get two sets of expert eyes examining any moles of concern: a trained Melanographer and an experienced specialist Dermatologist.

Fewer scars. Fewer scares.

Because MoleMap can more accurately identify melanoma, there is less need to surgically remove benign (harmless) moles.1

Early detection makes a difference. Early melanoma detection offers a nearly 100% chance of survival within 5 years? That’s why it’s always worth checking.

References: 1. https://www.melanoma.org.nz/early-detection 2,3. https://www.melanoma.org.nz/facts-risk-factors

Are you at risk of melanoma?

Did you know that New Zealand has the highest rate of melanoma in the world?

Every day, around 7 New Zealanders are diagnosed with melanoma - it’s the most serious form of skin cancer and it can quickly become deadly. 1,2

That’s why MoleMap’s proven skin-mapping system is designed to detect skin cancers such as melanoma early – when it’s most treatable. 3

Special offer for SuperGold cardholders.

Know that your skin is in check with 15% off all MoleMap services for SuperGold cardholders – simply book online at molemap.co.nz or call 0800 665 362 and use the promo code ‘GOLD15’.

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References:

1. Health Promotion Agency and the Melanoma Network of New Zealand (MelNet) 2017: New Zealand Skin Cancer Primary Prevention and Early Detection Strategy 2017 to 2022.

2. https://www.melanoma.org.nz/facts-risk-factors

3. https://www.melanoma.org.nz/early-detection

Inflation breakers

Top online grocery shops

Ever since the pandemic hit, people have been working on finding more ways to shop online. From gifts to outdoor gear and electronics to stationery - people are enjoying the ease of shopping online.

By Timmi Aplin-Barrett

During the height of the pandemic, online grocery shopping became a hit and has continued to prove useful for many people, especially those who work from home or have extremely busy schedules.

We’ve compiled a list of some excellent online grocery stores (that aren’t the usual of New World, Pak’n’Save or Countdown) to make your life that little bit easier.

These stores all stock fresh foods as well as dried goods.

There are plenty of other online grocery stores that stock a huge range of non-perishable food or dried products such as flours and nuts but we wanted to focus on those that offer fresh fruits, vegetables, meats and more. If you’re someone who can’t find the time to pop into the supermarket or you want a little more range in the products you can purchase, consider checking out some of these fantastic online grocery stores.

They carry a great range of products, deliver quickly and efficiently and take all the hassle out of grocery shopping.

Simply sit back, relax and shop to your heart’s content.

Farro

Farro supplies artisanal quality foods across the country. They’re committed to protecting the environment and less than one percent of their food waste goes to landfill.

Over 80 percent goes to stock feed through Eco Stock,10 percent is composted through We Compost and five to eight percent goes to people through their work with Fair Food. From fresh foods to deli goods and bakery delights, Farro has something for everyone. They stock meat and poultry, seafood, dairy products, beer and wines, pantry essentials and more.

Farro also has meals, ready to eat, ranging from cottage pie to meatballs to make dinner time a little easier. And, as the cherry on the cake, they also have a delicious range of desserts.

www.farro.co.nz

Eat Local

Eat Local is a Christchurch based online grocery store catering to the South Island. It prides itself on delivering fresh, quality foods that are delivered quickly and efficiently.

Customers can choose from a huge range of goods such as apples, avocados, sourdough bread, broccoli, cheese, chocolate, cordials and so much more.

With great prices and a focus on ethical, sustainable goods, Eat Local is great for everyone.

www.eatlocal.nz

The Market

The Market is a massive New Zealand online store that sells pretty much everything from groceries to games and much more.

They deliver everything, straight to your door. It stocks all the pantry essentials while also making sure you have access to some treats.

It has everything from pastas and rice, marinades and sauces to canned food and nuts.

Not only this, but depending on where you’re based, The Market offers fresh fruits and vegetables. They also sell a cheeky beverage or two.

www.themarket.com

Soul Food

Soul Food, based in Queenstown, is another great supplier of fresh goods and organic supplies.

They offer a great range of fruit and vegetables as well as Fruit and Vege Boxes which are great if you don’t want to muck around choosing your produce.

Instead, these boxes have a great selection of fruits and vegetables, designed to make sure you’re getting all the nutrients and delicious flavour you need.

Soul Food also sells meats, breads, eggs and a good range of dry food such as flours, grains, nuts, pulses and more.

To top things off, Soul Food carries a great range of eco-friendly and useful wellbeing products such as toothpaste, toothbrushes, lip balms, soaps and much, much more.

www.soulfoodorganic.co.nz

Huckleberry

Huckleberry is all about wellness and stock a huge range of organic and wholefoods. Based in Auckland, they do stock fresh fruits and vegetables, but if you’re in the South Island, they warn it could take up to five days for delivery.

Nevertheless, if you’re someone who enjoys the very best in organic and wholefood-based groceries, Huckleberry is the online grocery store for you.

They stock products that don’t harm the planet and have a great range of gluten free, dairy free, vegan and vegetarian and free-range products.

From Ceres Organics to Manfuso Organics, this store combines ease of shopping and organic goodness to create a fantastic online experience. www.huckleberry.co.nz

Living made easy with homes that last for generations.

At Milestone Homes we are committed to providing high quality homes and a smooth, enjoyable building process. We’ve built hundreds of homes all over New Zealand for all types of New Zealanders. So whatever stage of life you are at, call our friendly team today.

Innovation at heart

Over the years we have embraced innovation, incorporating the latest technologies and sustainable practices to ensure your home is energy efficient, low maintenance and future-ready.

House and Land Magnolia Lane

Gladstone Road North, Mosgiel

• 8 quality packages from $935,000

• Titles expected May 2024

• Guaranteed Fixed Price and Completion Date

Tailored to you

Every family is unique, and so is their dream home. Our teams work closely with you to understand your preferences, needs and lifestyle, to create a home that’s truly yours.

Show Home

6 Silverdale Place, Highland Park, Mosgiel

Open Monday - Thursday: 9am - 3pm

Sunday: 1pm - 4pm

Variety is the spice of life The joy of exploring different cuisines

Eating international cuisines is very beneficial for you because you explore new tastes and improve your palate - you may even enjoy it so much that it’ll be your next favourite dish, snack, or beverage.

First of all, it’s good to get out of your comfort zone and try different cuisines because you won’t know if you like something until you try it.

If you’re a picky eater, it’s good to always keep trying new foods you haven’t tried before, or to try again as your taste buds can change over time.

Trying new foods from all over the world shows you’re willing to give things a go!

The top cuisines you may see everywhere in the country, whether it’s takeaways, a sit-down meal, or buying products from the supermarkets are cuisines like:

Thai – pad Thai; Thai style fried noodles, rice dishes; red curry.

Indian – curries, naan bread, and roti.

Chinese – crispy fried chicken, wonton noodles, and dim sum.

Italian – ravioli, pasta, and pizza.

Japanese – bento boxes, sushi pieces/rolls, and miso soup.

Mexican – nachos, tacos, burritos, and enchiladas.

Out of these popular international dishes, the ingredients used positively impact your body.

Chinese food incorporates ginger, which is good for nausea, digestive problems, and reduces blood pressure, whereas Indian seasoning prevents Alzheimer’s disease development, helps the heart, and improves asthma.

You can tell as soon as you walk into an international restaurant or café and look at the menu, smell the food, admire the setup, and try their meal/

snack/drink that you’ve been transported somewhere else – making you feel like you’re in the country of where the cuisine has originated from.

Exploring different cuisines is a good way to learn about various cultures and the history or backstory of how this food came about, so you can appreciate it even more.

Most countries have their own sort of flavour/spices/sauces/go-to-food they’re known for.

Indian food has lots of spicy options, Greek has Tzatziki sauce, and Moroccan food is known for its spices.

If you’re trying various cuisines, it’d be rude not to get a feel for the country’s traditions, so try their most recommended food and maybe even talk to the staff about the food. This way you’ll appreciate the delicious cuisines more and potentially learn how they originated.

Different cuisines are very important in the food industry because they’ve been enjoyed by so many, even the food has been adapted/westernised by Western countries.

Italian pizza has inspired Western countries to create their type of pizza with brands like America’s Dominoes, Pizza Hut, and New Zealand’s Hells Pizza.

The ‘westernised’ versions are still not the authentic cuisine that international locals would consume (which can be much hotter, spicier, or raw).

Nonetheless, always try to explore new cuisines to see if you like them and get a taste of a wide selection of foods rather than sticking to a meal you’ve grown up eating. Test those taste buds!

40 years

Qualified Licensed Building Practitioner



 Sheds and more!

steps to a healthy lifestyle 5

FOCUS ON GRADUAL CHANGES TO YOUR LIFESTYLE

Rather than short- term weight loss.

BE ACTIVE EVERY DAY IN AS MANY WAYS AS POSSIBLE

Aim for at least 30 minutes of moderate intensity physical activity, but build up slowly if you need to by “snacking” on activity throughout the day. Walk to the shop, join in children’s games or mow the lawn.

IF POSSIBLE, ADD SOME VIGOROUS EXERCISE

For best results try to do 20 minutes three times a week.

KEEP MOTIVATED BY WALK WITH A FRIEND OR A GROUP OF PEOPLE

Involve the family in any daily activity and if your kids participate in a sport don’t sit on the sidelines – join in!

BE REALISTIC - ANY WEIGHT LOSS SHOULD BE SLOW A kilogram a month is fine.

Health 2000 Oamaru

10% Discount SuperGold Card Holders

(Excludes specials & loyalty)

Monday to Friday: 8.30am - 5.30pm

Saturday: 9.30am - 2pm

Here at Health 2000 Oamaru, we understand that your health is your most significant asset.

While the world around us has changed an awful lot, the one thing that hasn’t is our passion for improving the lives of our customers and their families. The satisfaction from improving a customer’s health never gets old, and at Health 2000 Oamaru, we take immense pride in knowing we are assisting individuals in their pursuit to lead a healthier and happier life.

Making use of quality products sourced from mother nature, we endeavour to help customers live a healthy life – whether that be through helping with illness,

or by helping you be proactive and understand that prevention is better than cure.

The mission at Health 2000 Oamaru is simple and easy – to ensure that our customers leave Health 2000 content, and with a complete solution for your individual needs. To accomplish this, we listen to you and ask key questions to determine the best solution for you.

Our team are what makes Health 2000 Oamaru distinct and unique.

Conveniently located on Thames Street, next door to Lagonda Tea Rooms, with parking available in the public car park off Eden Street, come see us for all your natural health needs.

Services offered in store:

• Hair follicle scanning

• Free blood pressure testing

• Zinc testing.

Eating your way to good health

EAT LOTS OF Colourful vegetables, salad and fruit

INCLUDE Breads, cereals, grains, rice, noodles, pasta, potato, kumara or taro. Choose wholegrain breads and cereals for extra fibre

HAVE SOME LOW-FAT Milk, cheese, yoghurt or milk-based food every day

INCLUDE A SMALL SERVING OF Lean meat, seafood, chicken or egg, or dried peas, beans or lentils

LIMIT THE AMOUNT OF SUGAR YOU HAVE Cakes, biscuits, chocolate, sweet spreads, juice and soft drinks all contain a lot of sugar and should only be had occasionally

KEEP AN EYE ON THE AMOUNT OF Butter, margarine, cream, mayonnaise and cheese sauces as they all add extra fat to a meal

REMEMBER THAT

Alcoholic drinks are high in energy and may contribute to weight gain

MAKE WATER YOUR FIRST CHOICE.

The roofing services we provide range from maintenance, repairs and replacements to the building and installation of brand-new roofs. Our hardworking team completes all jobs to a high standard and within the timeframe given, no matter how big or small the job. While also working on site with the team, Courtney, the director, keeps very detailed records of each job and always knows where things are at. With quotes issued before commencement of the work, progress invoicing throughout the jobs and a high level of communication, our clients are constantly in the loop and do not get any unpleasant surprises. Courtney himself lives in Cromwell with his two boys and is well established in the roofing industry.

While you’re away Keeping your place safe when you’re not there

Leaving your home unattended is always a bit nerve wracking. However, if you are planning a holiday there are some simple measures to help protect your place from burglars.

In general, December and January are prime-time for home burglaries, but this doesn’t mean you can be complacent during the rest of the year.

Many thieves see the summer as an opportune time for illegal behaviour. End of year celebrations and summer gatherings mean that a lot of people find themselves away from home more often than usual.

This unfortunately provides opportunities for unwelcome visitors, so it’s important that home owners remain vigilant and take time to carefully evaluate home security measures.

Nobody wants to return home from a relaxing break to find their house has been damaged or broken into.

THE BEST DEFENCE AGAINST BURGLARY IS PREVENTION AND PLANNING, AND GENERALLY MAKING A HOME UNAPPEALING TO BURGLARS.

The following tips can help keep home owners keep property safe when they go away on holiday:

• Beware of who may be listening. Never announce travel plans in public areas close to home where others can overhear your conversation, or on social media such as Facebook and Instagram

• Don’t leave notes for family or friends outside your home as potential burglars can and will read them

• Notify a trusted neighbour of your travel dates and discuss a reciprocal arrangement involving:

- Putting out your rubbish on collection day or putting their bin in front of your house

- Clearing flyers, mail and packages left in front entrances and mailboxes

- Occasionally parking their car in your driveway or in front of your home.

• Make sure all windows and doors are properly closed and locked. Use quality deadbolt or door locks as it is surprisingly easy to open a lock without one

• Never hide spare keys in mailboxes, under doormats, above doorways or anywhere visible from the entry. Burglars know most of the hiding places

• Don’t leave tools lying around outside as this can invite impulse burglars to use them to break into your home

• Do not let valuables be seen from the outside of your home. If you buy a new appliance, make sure that you crush and conceal the boxes in your rubbish

• Leave curtains slightly parted so your home doesn’t look empty

• Put mail on hold and suspend any daily newspapers

• Install automatic timers for lights, radio and TVs, preferably at random or programmed intervals to create visual and audio deceptions

• Install motion-sensor outdoor lights around your home and mount them high enough to prevent intruders from disabling them

• Never leave an answer machine message indicating you are out or away. Instead, just say: “...you can’t come to the phone.” If you still have a home phone, lower the telephone ringing volume so that it cannot be heard from outside your home.

How to retire before 65

Article by Joe Bishop, Kiwi Wealth general manager Customer, Product & Innovation.

Conventional wisdom holds that we work until the age of 65, at which point we can retire, receive NZ Super and access the funds we have invested in our KiwiSaver accounts. But what if we wanted to retire early?

Retiring before the age of 65 might sound a bit pie in the sky. But by arming yourself with a long-term plan, maintaining financial discipline and choosing the right investments, an early retirement is an attainable goal.

Below are Kiwi Wealth’s tips and strategies on how to make the most out of your investing so that you can retire before 65.

Start planning now If you want to retire early, you’ll need a plan. Retiring before the age of 65 means you will not have access to your KiwiSaver limits or be receiving NZ Super. Knowing how to fund an early retirement will require forward planning, a lot of scrimping, saving, and sound investment decisions.

How to retire faster People looking to take an early retirement will need to identify how much money they will need during retirement and make smart investment decisions to achieve their goals.

tips for perfect email etiquette

1. Err on the side of formality it you’re emailing someone you’ve not mailed before. For example, begin an email with ‘Good morning’ instead of ‘Hi’. Better to be known as polite than forward.

2. Put an introductory sentence at the start of an email, reminding the recipient of who you are and why you are emailing them. Even if you just spoke with them a few hours ago, they will appreciate the quick reminder. Or they might need clarification when re-reading it a week or so later.

3. If you want to be taken seriously, ensure the email has no grammatical and spelling errors. This simply means you run the spell check and read over it before it is sent. It’s really easy to accidently forget a punctuation mark or for the autocorrect to change an error into a different word.

Term deposits have traditionally been seen by Kiwis are a safe place to slowly and steadily grow wealth. But with interest rates at historic lows, returns on term deposits are not what they used to be – and Kiwis are beginning to look for other options.

4. Your email must make sense. Write clearly, to the point, and re-read it before you send it. This saves a lot of guesswork at the recipient’s end and nips any miscommunications in the bud.

5. Make sure there is nothing that could be read inappropriately. Save the jokes for your friends and keep it polite.

What are your options? For savvy investors looking to retire before 65, KiwiSaver is just one of the investment options they will be looking to use in combination with others. Managed funds offer a range of risk and return profiles, just like KiwiSaver, with the advantage that investors are able to access their funds at any time.

One strategy One strategy employed by people looking to retire early is to keep contributing to their KiwiSaver accounts to take advantage of the $521 annual payment from the government, while also opening up an early retirement fund. If you retire early, managed funds could keep you going till you get your KiwiSaver funds at 65. The sooner you start thinking and planning for your retirement, the better.

6. Make sure your full contact numbers are beneath your email address so you can be reached.

7. Use paragraphs for a longer email. A massive single block of text can be overwhelming and vital information or key points can get lost in the crowd.

8. Always check the recipient. Sending the wrong email to the wrong person has sunk plenty of careers. Always check who’s receiving it - be it one person or many.

9. Make sure you have attached the document. It’s easy to forget, but for the person urgently waiting for it at the other end it can be very frustrating if you forget to send it.

10. Don’t send enormous files that clog up an inbox unless the recipient really needs it.

Bereavement is hard. Trust Kiwilaw to help soften the pain of your legal work.

Does another lawyer hold the will?

Before you agree to anything, ask them for a specific probate estimate. Remember, you do not have to use their services even if they do hold the will.

Kiwilaw offer a cost-effective probate service nationwide (usually $490 + High Court fee). Don't take our word for it, read the reviews and testimonials online at: www.kiwilaw.co.nz/grateful-clients

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Kiwilaw's probate service is available online nationwide

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Get your FREE step-by-step outline to estate administration

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Don't have a will yet?

Kiwilaw can help with that too

Kiwilaw - there to help you at a difficult time

• Probate documents to you directly (usually $490) or to your lawyer (usually $390)

• Get a free copy of the 40-page Kiwilaw Guide to Estate Administration with your SuperGold card when you get probate through Kiwilaw (usually $49)

m 021 701 838

www.kiwilaw.co.nz

Cheryl Simes LL.B (Hons) MA (Hons) Kiwilaw director/lawyer

Come home to comfort and easy living.

About to embark on a new chapter in life? Looking to downsize or just after a low maintenance, energy efficient, forever home? For over four decades, we’ve been dedicated to turning New Zealander’s dreams into reality, crafting homes that reflect their personality, suit their lifestyle, and exceed their expectations.

Whatever stage of life you’re at, a Jennian home means less work, maintenance, and stress. Enjoy a lifestyle of ease and comfort without compromising on quality.

Our homes are built for the future, prioritizing energy efficiency to keep you comfortable while reducing environmental impact and utility bills. We tailor each home to reflect your vision, guiding you through the process to ensure every detail is perfect.

As New Zealand’s most awarded builder brand in the Registered Master Builders House of the Year awards, we take pride in delivering homes built to the highest standards of design, quality, and workmanship.

When you choose Jennian, you can rest assured that you’re in safe hands.

in touch and we’ll create a home perfect for you.

McNab Plumbing Generations of expertise you can trust

With decades of experience and plenty of happy customers – residential and commercial – we get the job done time and again.

Our Services

With four generations of McNab plumbing under our belts we have earned our reputation for providing the highest quality service without the high price tag.

We believe that plumbing is more than just showing up and doing the job, we make sure that our customers get great communication, a plumber who cleans up after himself and a job that lasts (and we know because we follow up). This means that if we call you and our work isn't up to expectations, we'll come back and make it right.

Whether its kitchen and bathroom renos, new builds or emergency work - we show up and get the results you want and need.

Maybe that's why our customers come back time and time again.

Call

PLUMBING GASFITTING

DRAIN LAYING

Professional, personable, reliable, efficient. Blair & his crew excel at all aspects of their job from unblocking wc's to fixing broken pipes. Great experience- Prompt service with a smile.

Susan

F

Ten steps to help lower fuel costs

to lower your fuel costs?

Service and tune your vehicle

Regular services and tune ups could reduce fuel consumption by up to four percent. To make your car more efficient, replacing worn components such as spark plugs and regularly changing lubricants and filters is important. An MTA General Repairer can help keep your car in good condition.

Use the recommended grade of oil and fuel

Use the oil and fuel recommended in your owner’s handbook to maximise fuel economy.

Properly inflate your tyres

Check tyre pressure monthly and before long trips. Underinflated tyres are a significant contributor to increased fuel consumption. Not sure if your tyres are correctly inflated? Use our tyre checklist to find out!

Fill it up

When filling up, stop at the first click – if you continue beyond this, you risk overflowing the tank and wasting fuel. Also, remember it’s better to use most of your fuel before visiting your local service station. Each time you remove the filler cap, fuel evaporates and is lost to the atmosphere.

Avoid prolonged idling

Modern vehicles are designed to operate efficiently from start-up and don’t need to be ‘warmed up’. If you stop for an extended period and can restart safely, consider turning off your engine.

Use high gears and cruise control

Use the highest gear, relative to the speed you are travelling, to save fuel and reduce wear. Cruise control (if fitted), helps maintain a constant speed and can reduce fuel consumption when used on long flat roads.

Read the road ahead

Avoid quick starts and aggressive driving. You’ll save fuel and avoid unnecessary wear and tear. It also helps if you accelerate smoothly, look well ahead and anticipate stops.

Clean out your vehicle and remove roof racks

Unnecessary weight burns fuel, so avoid carrying heavy items if you don’t need to. Things like roof racks and storage boxes create excessive drag and increase fuel consumption, so remove them if they’re not being used.

Avoid rush hour and combine trips

Where possible, avoid rush hour driving, as stop-and-go driving burns more fuel. Try to plan ahead and combine several trips into one.

Slow down

Fuel consumption increases by around six percent for every 10km/h faster you go over 90km/h. Besides being the open road’s speed limit, 100km/h is a good compromise between travel time and fuel economy for most drivers.

Super savings with SuperGold

SuperGold helps you stretch your money further, offering instant discounts, special offers on everyday essentials and more. Explore the many ways you could save locally and nationwide.

What is the SuperGold Card?

SuperGold - or the ‘gold card’ as some people know it - gives you golden opportunities to stretch your money further. There are thousands of instant discounts and special offers. You will find all sorts of ways to make instant savings every day near you across New Zealand and in Australia.

The card gives you:

• Instant savings on everyday essentials like electricity, insurance, food and healthcare

• Discounts on entertainment, travel and in retail stores

• High value special offers

• Free off-peak public transport.

Getting the SuperGold Card

Getting an automatic SuperGold Card

Once your New Zealand Superannuation or Veteran’s Pension has been granted, the Ministry of Social Development (MSD) will automatically send your SuperGold Card in the mail. This usually only takes a few weeks, but you may have to wait a month or two if you apply for New Zealand Superannuation prior to your 65th birthday.

SuperGold is one way the New Zealand government and business communities can say ‘thank you’ or ‘tēnā rawa atu koe’ to older New Zealanders for the work they have done raising families, supporting communities and contributing to Aotearoa.

Applying for a SuperGold Card

If you do not receive or are not eligible to receive New Zealand Superannuation, you can still apply for a SuperGold Card. You must be 65+ years old and be a New Zealand resident. Simply fill in the SuperGold Card application and return it to us.

Call: 0800 25 45 65 (Monday – Friday, 8am-5pm)

Email: information@supergold.govt.nz

SuperGold Centre PO Box 5054 Wellington 6145 www.supergold.govt.nz

Veteran SuperGold

Veteran SuperGold is a specially branded SuperGold Card to recognise service to our country in the Armed Forces.

Once your Veteran’s Pension has been granted, the Ministry of Social Development (MSD) will automatically send your SuperGold Card in the mail. This usually only takes a few weeks, but you may have to wait a month or two if you apply for New Zealand Superannuation prior to your 65th birthday.

Get the SuperGold app

The fast and easy way to find discounts and offers when you’re out and about is to use the SuperGold app. If you have a smartphone or tablet, download the SuperGold app from the Apple Store or Google Play.

Office for Seniors

The Office for Seniors is working to improve the lives of older people across New Zealand. Their website and regular email newsletter provide helpful information, news, and stories for older people. Visit: www.officeforseniors.govt.nz

Call: 0800 25 45 65 (Mon-Fri, 8am-5pm)

Email: information@supergold.govt.nz

Frequently asked questions about SuperGold

Can I use my SuperGold Card to travel free on public transport?

Yes. Most areas off-peak is usually 9am to 3pm and from 6.30pm to the end of service on weekdays, and any time on weekends and public holidays. In most areas you will also need a smart card from the Regional Council to access free off-peak travel.

How do I order a replacement card?

If your SuperGold Card is lost, stolen, damaged or if you change your name, call or email us to order a replacement card. You will need to let us know your full name, date of birth, current residential and postal address and SuperGold Card client number if you have one (found on the back of your SuperGold Card). You should receive a replacement card within three weeks – free of charge.

When will I receive my SuperGold Card?

You will be automatically issued a SuperGold Card when you’re granted New Zealand Superannuation or a Veteran’s Pension or a main benefit at age 65 or over.

Your New Zealand Superannuation will need to be approved at least three weeks before turning age 65 if you wish to receive your SuperGold Card by your 65th birthday.

Is SuperGold connected to my New Zealand Superannuation?

Once your New Zealand Superannuation or Veteran’s Pension has been granted, the Ministry of Social Development (MSD) will automatically send your SuperGold Card in the mail.

If you do not receive or are not eligible to receive New Zealand Superannuation, you can still apply for a SuperGold Card.

What if I am already receiving a main benefit?

If you are turning 65 and receiving a main benefit from the Ministry of Social Development, your SuperGold Card will arrive at least three weeks after you are granted New Zealand Superannuation on your 65th birthday.

If you are not applying for New Zealand Superannuation then you will need to call or email us to advise you have turned 65 so the MSD can send you a new SuperGold Card.

How does the Community Services Card work with SuperGold?

If you have a current Community Services Card at the time you are granted New Zealand Superannuation, and you may continue to qualify for a Community Services Card, you will need to complete a Community Services Card application form to get a new SuperGold/Community Services Combo Card. It will have the initials CSC on the back and an expiry date.

Your new combo card’ replaces your Community Services Card. You can use this card for both health subsidies and SuperGold discounts.

Does my SuperGold Card have an expiry date?

Since May 2010, the only SuperGold cards with an expiry date are those which double as both a Community Services Card and SuperGold Card. These ‘combo cards’ have an expiry date because entitlement to a Community Services Card can change over time.

If the back of your card includes an expiry date (EXP) and this date has expired, call 0800 25 45 65 or email information@ supergold.govt.nz to arrange a replacement card.

Can I still get SuperGold if I am not a resident?

If you are not normally a resident in New Zealand and do not intend to stay here, you will not qualify to receive a SuperGold Card.

Pam and Abby Timms comprise a dynamic mother-daughter duo within the esteemed Bayleys real estate team.

Pam Timms brings a wealth of experience and passion to the real estate arena. After taking time off to raise her family, Pam realised her dream of working in real estate. With a background in sales spanning over a decade, including roles at Xerox and Clear Communications, Pam has honed her skills in understanding client needs and delivering excellent customer service. Her involvement in community fundraising initiatives underscores her commitment to building strong relationships and overcoming challenges with professionalism andcommon sense.

Pam's keen eye for design ensures that your property is presented in its best light, enticing potential buyers to envision their future home. Her core values of honesty, integrity, and empathy drive her dedication to realizing your property dreams.

Abby, a proud Dunedin native, brings a unique perspective to our team. After gaining valuable experience in a large accounting firm in Wellington, Abby has returned to her roots to pursue her true passion in real estate. With her exceptional attention to detail and creative mindset, Abby is committed to going the extra mile to secure successful outcomes for her clients. Whether you're a first-time homebuyer, property investor, or looking to upsize or downsize, Abby's enthusiasm and passion will make your real estate journey a pleasure.

Armed with a Bachelor of Commerce in Accounting and Marketing from the University of Otago, Abby's international exposure at the University of Strathclyde in Glasgow has broadened her horizons and enriched her understanding of global markets.

Together, Pam and Abby form a formidable team, combining their expertise to ensure that your real estate journey is not only successful but also rewarding. By partnering with Pam, Abby leverages her mentor's knowledge and industry expertise to provide you with the best possible service.

“For us, real estate is defined by three words: 'Professionalism, transparency, empathy.' It's not just a motto; it's our promise to you”

Choosing Bayleys means more than just our personal commitment; it means leveraging the collective expertise of a seasoned team to achieve optimal results. We invite those considering selling to engage with us and discover why Bayleys remains the preferred choice for maximising real estate asset values through superior customer service.

We look forward to working with you to turn your real estate dreams into reality!

Commanding an impressive presence on the skyline of Belleknowes is the distinguished 17 Granville Terrace. Poised for privacy and occupying a substantial 2,574 square meters, this exquisite residence exudes opulence, immediately captivating the observer with its contemporary and sophisticated style.

The epitome of comfort and style in Park Lane, Fairfield, with this exceptional property. Situated in a tranquil cul-de-sac, this home offers the perfect blend of modern living and suburban charm, whilst being nestled into its private generous sunny section.

Introducing 169 Factory Road, Mosgiel - a modern threebedroom standalone townhouse that offers the perfect blend of comfort, style, and convenience.

Situated in one of Maori Hill's most popular, family-friendly streets you will find 91 Cannington Road. A much-loved family home for over 30 years, however, it is time for new family memories to be created and cherished going forward.

Ensuring a smooth first-time selling experience

Selling a first home can be an exciting yet daunting prospect with several factors to consider — and its normal to not be entirely sure about the process. The best way to start is to get clear about what you want to achieve from your selling journey.

Understanding the ‘why’

Everyone’s circumstances are different — there are many reasons for selling a house, from family circumstances or lifestyle changes to downsizing or upsizing. You may need to move for a new job or want to live closer to your family. Or perhaps you are thinking about financial goals and would like to cash in your property and fund a new venture. Figuring out your selling needs and goals will help form a better idea of the timeframe you’ll need to get your house market ready.

Do you need extensive renovations or minor touch ups? A simple marketing campaign, or a more extensive one? Your why will also help your real estate profession deliver in a way that works for you.

What is your property worth?

A home is as much an emotional asset as it is a capital one, and it can be difficult to see it objectively, let alone put a price on it.

There are several ways to get a precise idea of your property’s market value. You can pay for a registered valuation or get a current market

appraisal from a licensed real estate agent. Free online tools can give you a rough estimate, largely based on clever calculations using recent sale comparisons.

It is vital you have in depth conversations with your real estate professional. Automated tools and valuations are a great starting point, but your agent will know what’s happening in the market right now, what is impacting market values and the best approach to take to get a sale.

Consider any changes you can make to increase your property’s value, such as landscaping or fixing a broken fence.

Look at your property through a critical eye. First impressions can make a big difference in real estate: from curb appeal through to repainting the walls, some cosmetic changes inside and out may go a long way to attracting buyers and increasing the sale price.

For more targeted renovations, kitchens and bathrooms are usually key rooms to focus on. Although the most expensive rooms to remodel, if you have the time and budget, a well-planned renovation tends to add the most value.

The magic of marketing

Marketing is fundamental to reaching and attracting buyers and making your property stand out from the rest. Experienced real estate agents know the impact continuous and omnichannel promotion can have on a property’s sale.

High-quality imagery and videos are more important than ever for online listings that enable potential buyers to get a feel for the property and decide whether they are interested in taking their buying journey to the next step.

Article by Jen Baird, chief executive at REINZ.

Providing fair fees, free marketing and local expertise to Wanaka & surrounds

Throughout her many years working in the tourism industry, Siobhan gained vast experience in sales, marketing and customer service.

This made for a smooth transition into Real Estate, where Siobhan shares this expertise and provides exceptional service in Wanaka and the surrounds.

Growing up in Central Otago, Siobhan brings extensive knowledge of the local area and understands the numerous benefits of a Wanaka lifestyle. Siobhan is enthusiastic, focused and motivated to find innovative ways of achieving the best results for her clients. Siobhan thrives on working for a company who are fresh, transparent, and committed to putting savings back into your

Siobhan Ramage

pockets with their fair flat fees and industry leading free marketing package.

If you are thinking of selling, call Siobhan to find out what makes Tall Poppy the obvious choice.

Client review:

Great experience from listing to sale! If you’re looking for a hardworking, professional, and most of all empathetic and caring salesperson - look no further! We could not have been happier with Siobhan at Tall Poppy Real Estate when selling our property in Lake Hawea. Always only a phone call or message away, we felt so looked after and lucky to have someone in our corner from listing to navigating through offers to successfully selling. We highly recommend Siobhan!”

- Verified vendor by RateMyAgent

We have worked with Judy for the sale of two of our homes and the purchase of one over the last 6 years. Judy has a great knowledge of the market and provides a great insight into the market performance. We asked for advice in an uncertain time in the property market and she provided an incredibly honest and realistic response and we could make an informed decision about our next move. As usual, Judy worked really hard for us and her original prediction was ver y accurate. She has never put us wrong, and her advice is always reliable. She is fair to buyers and vendors and always comes to a good conclusion for ever yone. Would recommend her ever y time.

Judy is inherently reliable, supportive and hard-working, and she's known for her commitment to the bigger picture in the lives of the people she works with. Personal integrity and a resolute willingness to go the extra mile have helped generate an impressive track record: many happy clients eagerly turn to her as their only choice when they come to buy or sell again.

An assured understanding of her obligations and responsibilities as a real estate professional puts people at ease as Judy leaves no stone unturned in her sales process. She is a consummate professional and a prime representative of the Harcourts brand. She truly embodies the fantastic ser vice Harcourts clients expect and she operates with complete confidence and expertise in our systems and processes.

Judy is extremely thoughtful and understanding. She knows her job and how to achieve the goals required. I am able to put my trust in her.

JUDY LUDEMANN 027 459 9361

judy.ludemann@harcourts.co.nz

Guiding real estate journeys with passion and expertise

Carol loves creating the happy story in the Real Estate journey for people. Buying or Selling

Carol understands this and is ready to guide her clients through the process with sound advice, market knowledge, a work ethic second to none and believes communication is KEY.

With 13+ years in the industry specialising in residential/lifestyle market and strong connections with Central Otago, Carol believes in giving back to the community she lives in. Carol does this by volunteering at the Hospice Shop, Alexandra, Meals on Wheels, Central cinema, Alexandra. She also sponsors Alexandra District Club Indoor/Outdoor Bowls, Alexandra Golf Club, Alexandra Citizens, Omakau School, and Clyde Bowling Club.

Loving what you do reflects on the people you interact with and the job well done. This passion for helping others underlies all

aspects of the selling process in order to provide a top-tier service, it is crucial for all professionals to continually educate and improve themselves. The more an agent knows about the real estate market, the better served are her clients. It takes an experienced real estate agent to properly negotiate on your behalf, when so much is at stake.

With her long career in the customer service industry and having owned a business, Carol has built a wealth of knowledge which aids her immensely in real estate. Carol is driven for her clients and will go the extra mile-”the difference between good and great is a little extra effort!” For great results call Carol today.

Top 80 out of 415 salespeople Property Brokers Nationwide

Preserving the past and building the future

Whether you are planning a new build and need experienced house builders, are planning some home renovations or adding that extra extension for the man cave, Mosgiel-based builders SB2 Build is your first choice building company in Otago.

SB2 Build were proud to be the builders showcased on Grand Designs NZ in November 2020. The large scale heritage project was a combination of all our skills to the highest of standards.

Sam Barnett - Licensed Builder

Ph. 0274 797 532

What to look for when selecting a funeral director

By Gillian Boyes, Funeral Directors Association CEO.

The death of someone close is a time of sadness when a range of emotions are experienced.

Having a meaningful farewell allows your loved ones to gather, support one another, remember, and celebrate your life and begin the journey of saying goodbye.

Funeral directors have a complex and vitally important event to organise and run for a family who are highly emotional with grief.

Funerals are a one-off event and cannot be rerun if something is not right and what is more, we are only just beginning to discover the long-term harm of a poorly run funeral or indeed no funeral at all.

Mental wellbeing is not something we fully understand, and grief is one of the most powerful emotions that can negatively impact on our mental well-being if it is not managed well.

A meaningful farewell makes a positive contribution to our grieving and our mental well-being.

We need to remember that a funeral is for the living.

It is the start of the process where a family comes to terms with the sudden loss of a loved one and starts to understand how life will now be different with that person not being physically present as they were.

One of our most precious gifts to our family when we go is a meaningful farewell to help them along that journey. So how can we avoid the scammers, the cowboys, and also make sure that we leave our loved ones with the precious gift of a meaningful farewell?

We find someone who knows what they are doing and ask them to do it. So how do we find such a person and how do we know if they do know what they are doing?

Find a funeral director who is subject to a regular inspection

complaints process. If something goes wrong or just isn’t quite

someone must be independent to make the process worthwhile

1. Find a funeral director who is committed to a written set of standards with ethical principles and ask for a copy. This provides the evidence that they know what they are doing because it is written down. As part of that also ask to see a copy of their contract for service. This sets out what they will deliver and what you or your estate will pay for. Finally ask for a written estimate so you know the cost before the event and not have it as a surprise afterwards.

Find a funeral director who is part of a national organisation that provides training and professional development so that the

You can find funeral directors who meet these four simple requirements and can be your assurance of a meaningful farewell. Make sure that precious gift is all you want it to be, and your family needs it to be.

For your assurance of a meaningful farewell, visit www.funeraldirectors.co.nz, to find your local Funeral Directors Association member.

Leishman Funeral Services

For over 30 years, Leishman Funeral Services (formerly Doug Nesbit Funeral Services) have been providing professional, thoughtful and relaxed funeral services to the Balclutha and the wider South Otago Community.

Owner, operators Stan and Bronwyn Leishman purchased the business back in August 2020, continuing with the same caring, approachable, thoughtful team with over 20 years experience in the funeral industry.

The team continues to provide commitment to assist grieving families, to listen and take care of them throughout the planning and funeral process to ensure the farewell service is a full, respectful, appropriate and financially affordable funeral service with attention to detail, thinking outside the box if required. The team can guide you through all options available.

These days funeral services can be arranged in many forms - traditional or untraditional - we can provide a service for all budgets. We can discuss with you the WINZ funeral grant application. We can discuss with you our direct cremation package option - just ring our office to discuss options that would best fit you and your family. Anything is achievable once all the options are discussed.

Keeping up to date with new technologies, our team can provide links to livestream funeral services for those not able to attend in person.

Personalised caskets, service sheets, photo slideshows, video recordings, in-house or outside catering can also be arranged. Families tell us what they would like and we endeavour to make it happen.

Prepaid or pre arranged funerals are something we can discuss with families that wish to plan ahead. Today more and more people are realising it makes sense to make provision for a prepaid funeral.

Individuals are legally entitled to put away up to $10,000 into a pre paid funeral trust. Leishman Funeral Services can arrange this on your behalf in a Trust with Trustees Executors. Here funds remain safely invested, collecting accured interest until required. Any funds left over after payment of the funeral account will be refunded to the Estate - all managed by Trustees Executors. No matter where you go in NZ, on death, your estate will always have access to these funds.

If you have any questions or wish to discuss any of these options further, we would love to hear from you. Give us a call and one of our team members will talk you through any queries you may have. Answering questions regarding a funeral service is our passion so give us a call on 03 418 2814 or email us at office@leishmanfunerals.co.nz. Go to our website at www.leishmanfunerals.co.nz for more information about our services.

What makes us unique?

It's all about family.

Since Robert Campbell founded our business in 1895, four generations of Campbells have provided funeral care to families in the Otago region.

The business is now in the hands of Robert's great grandson Clark, his wife Megan and a dedicated, professional team who continue the legacy of attention to every detail.

Our team take great pride in serving the local community - both within the Mosgiel/Taieri area and the greater Otago region.

At Campbell & Sons, we offer the largest funeral facilities in Dunedin. Our newly built crematorium, Mill Creek, offers a warm modern Farewell Lounge with North facing windows allowing views to the peaceful Memorial Garden and hills beyond.

Clark, Megan and the team have now expanded the family legacy further afield with the acquisition of Affinity Funerals in Alexandra, originally founded by Janice Millis and Lynley Claridge, catering for the Central Otago/Lakes District area.

Together, both firms now offer the largest familyowned and operated funeral services in the entire Otago region.

At a time of loss, Campbell & Sons will guide your family through every aspect of the funeral, ensuring you get the celebration of life you wish for - with help at every step.

We're locally owned and operated

Affinity Funerals is proud to be Central Otago's only locally owned funeral service.

We live and work within the local community and understand what it takes to create a unique and personalised tribute for your loved one.

We've held services at the top of Coronet Peak, on family farms, beaches, gardens, in hangars, containers, or the more traditional chapels and community halls. Bespoke doesn't have to be expensive. It can be tiny touches that make the whole experience a bit more unique.

Our role is to listen to our families, as they work through an incredibly difficult time, and to help them create something memorable.

A funeral may not bring a person back, but it has a crucial role in supporting people through those early stages of grief, allowing family and friends to acknowledge the death and bringing a sense of understanding within a supportive environment. It's not always easy, but it is important.

Proudly serving the Alexandra, Wanaka, Cromwell, Maniototo, Roxburgh and Queenstown communities.

Primevue provide expert Construction and Project Management services in the Queenstown area for projects big and small.

From residential renovations and extensions to complete home construction, the team has the experience to ensure your project runs smoothly, to budget and on time.

Primevue is a family owned and run business by a young kiwi couple, Blair and Jess who are excited about the future of the building industry in Queenstown. As well as being a director, Blair works alongside his team on the tools and is a licensed building practitioner (LBP) as well as a registered Masterbuilder.

Sourcing alternative and sustainable materials such as using saveBoard instead of gib is important to the business and has accelerated recent projects by avoiding any delays due to material shortages. The team at Primevue are always looking for ways to challenge the status quo by consistently exceeding standards and expectations in the construction industry.