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I’m not one to dwell on the past with regret or sadness. I’m a glass-half-full person so I try to see the positives in a negative, make the most of what blessings I have and grab opportunities with both hands.
That’s been especially true since Covid and the life reset I had to have in 2020. Now, every new year fills my chest with hope, my mind with fresh possibilities and challenges, and my body with the energy to chase my dreams.
At this time of year, I want to be inspired – by people who are the best in their field, others who have overcome adversity, still more who have made their mark on the world in big and small ways, or those who simply go about their lives with a smile on their face because they’re doing what they love every day.
It’s the impetus I need to be a better person each year.
Look around and you will see that inspiration just about everywhere.
I found it at a Christmas get-together of 10 former colleagues who have all pivoted beautifully in recent times and
are striving to live their best lives.
I’ve seen it in my sons’ faces as they enthusiastically pursue their chosen careers in sport science, surfing and music. I uncovered it on my recent getaway to the Hunter Valley where passionate winemakers and chefs have found the best reason to get out of bed every morning (the fruits of their labours are the subject of my travel article this month).
And I hope you will be inspired by journalist Janine Hill’s feature on John and Bridget Noble.
I first met the Brisbane couple at a Buderim coffee shop and was blown away by their positivity and message that there is life after stroke and the effects of aphasia.
They wanted to tell their story to Your Time readers to ensure they, too, strive to reset their lives through ongoing rehabilitation, research and resilience after similar medical emergencies.
Of course, this month’s issue is jam-packed with all our popular columnists and sections – everything from What’s On, Technology and What’s Hip to Motoring, History and Trivia.
Thank you for your continuing support and here’s cheers to 2025. Let’s hope it is a great year for success, good health and happiness.
Shirley Sinclair Editor
DISTRIBUTION ENQUIRIES distribution@yourtimemagazine.com.au or call 0419 746 894.
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everything I could find on stroke,” she says.
“Once I ordered the 15 books, two or three came to me at absolutely the right time to read them.
“I’d pull a book off the shelf and I’d think, ‘Shivers, I’m ready to read that now’. Those were the kinds of things that happened to me.”
Two titles which Bridget found particularly helpful were My Stroke of Insight, by Jill Bolte Taylor – a neuroanatomist who turned her own massive stroke into a positive recovery story, and Stronger After Stroke: Your Roadmap to Recovery, by Peter G. Levine.
“Every morning, I would get up at 4am and read it,” she says of Stronger After Stroke.
“I had to learn everything I could about the stroke because no one was helping me understand, really, where we go from here and I needed to know.
“I’m one of these people: I come from a medical research background, my family were medical, and so it was research.
Stronger after ‘our stroke’ and living with aphasia
JANINE HILL speaks with an inspiring couple who have walked the path of rehabilitation and recovery and now want to help others restart their lives, armed with practical knowledge.
Like most people, Bridget and John Noble had never heard of aphasia. Their introduction to the disorder came when John had a stroke.
The stroke damaged the part of his brain responsible for language skills. He had aphasia. He had to learn to read, write and speak again.
More than three years into his ongoing recovery, John, 83, can do all of those skills well once again, and he and
stroke and aphasia can be a chance at a new beginning rather than an end.
John’s ‘restart’ happened at home early one morning in February 2021.
“John had a wake-up stroke. He woke up and fell off the bed. That’s what I heard at 3.15am,” Bridget says.
“He fell off the bed, and I let him sort of adjust to the fact that he’d fallen off the bed, and suggested he get back on the bed if he could at that time. him a couple of questions and
his conversation was a bit odd, so I rang triple-0 straight away and by 4am, he was in hospital.
“They took a CT scan and he was told he’d had a big stroke.”
The two go-getters had just started a new business and John’s stroke turned their world upside down.
Bridget’s response was to arm herself with knowledge.
“I went into the book seller, Book Deposit Co, UK, online and ordered
“I wanted to know if there was going to be a future. I wanted to know what was going to be happening to either of us or both of us.
“I call it ‘our stroke’. We had a stroke. It’s not to do with one person at all.”
The book title became Bridget’s mantra for John.
“These are the three words I would give to John every day: ‘This is where we’re going, mate. Stronger after stroke’. Building the belief, building the positivity about it all,” she says.
“He was Mr Optimistic before the stroke anyway and he accepted the stroke straight away.
“Whatever he could understand about anything, he thought, ‘Too late. It’s happened. We’re here. We’ve got to do something about this. I don’t know what, but let’s go from here’.”
Bridget admires her husband for his
John and Bridget Noble
let’s-just-get-on-with-it attitude.
“Acceptance is a very hard thing to get when you’ve literally lost your identity, when you’ve lost your ‘life’,” she says.
John tends to let Bridget do the talking but is happy to chime in during the conversation: “I didn’t know what I was going to be or what was going to happen.”
He was not fearful about what lay ahead: “No. I said, ‘Just do it’.”
John’s brain needed time to recover from the damage and reprogram. The hospital environment could sometimes be over-stimulating.
Bridget says a turning point in hospital came when John overheard some music by one of his favourite singers, Andrea Bocelli. She raced out and brought in more CDs.
“All of a sudden, he had something to live for,” Bridget says.
John spent two months in hospital, undergoing six hours of physiotherapy, occupational therapy and speech therapy a day before entering a transitory phase aimed at getting him home.
Since then, they have sourced their own rehabilitation.
John’s journey back into language began with pictures that he could point to, expressing his basic needs.
The damage to the left side of his brain made his right arm flaccid but he regained movement with therapy.
“We had it in a sling and all of a sudden, when they started working on the left side, his right arm started to lift up and they whipped off the sling just to work with the right arm and kept going,” Bridget says.
“That was really good – starting to spontaneously come back.
“The brain can mirror things.
“It’s very clever. It’s been a very fascinating journey.”
Although John can use his right side, his brain sometimes forgets to do so, but there are few giveaways that he has had a stroke or could not speak.
“If you didn’t know John had had a stroke, you wouldn’t know John had had a stroke. So, we’re very lucky,” Bridget says.
“It’s taken three years for John to get to this far and it will keep on going for who knows how long.
“He’ll keep recovering for as long as he chooses to work at it.
“That’s the joy about stroke: that you choose to keep recovering because you’re working on it all the time. It’s how much work you want to do, how motivated you are, what’s important to you which can make a difference whether you do or you don’t (keep recovering).”
Bridget and John want others to be aware of the signs of stroke and act fast.
“Time is brain,” Bridget says.
“Don’t muck about. If you get some weird sensation in the brain, headaches constantly, unusual feelings, go to hospital.
“But not only go to hospital. Make sure you’re not discharged without having a CT scan or an MRI because a lot of younger people are not expected to have a stroke, so they’re just discharged. And within a few weeks, they’re in there with a stroke and it could have been
prevented, or potentially been prevented, depending upon where or what.”
Bridget says everyone should learn the signs of stroke: FAST – Face, Arms, Speech, Time.
“If their face droops, or they can’t raise both arms or can raise one and can’t raise the other, or raise it but it falls down again, if speech is slurred or confused, get an ambulance – fast!” she urges.
“Don’t wait and don’t try and drive yourself. And don’t get someone else to drive because you may have another event in the car and they’re driving.
“If you’re the person that’s attending to them, make sure you go with them because you don’t know which hospital they’re going to take him to and you’re driving around trying to find them.”
The Nobles recommend stroke survivors and their family and friends stay positive and not give up.
The couple refuses to describe a stroke as “distressing”, choosing instead to describe it as “very challenging” and referring to an “event of a stroke” rather than “suffering a stroke”.
“Victim of a stroke” is also not part of their vocabulary.
“Well, you’re never a victim. You’re a survivor, a thriver and a champion,” Bridget says.
“We all use very positive language about anyone who’s had a stroke because there’s joy in a stroke, dare I say it, because there’s an upward trend with the recovery if you do the work.”
The Nobles are now committed to helping researchers, such as those at the Queensland Aphasia Research Centre, and to educating others about the potential for recovery.
“We took a catastrophic event and turned it around into something really positive,” Bridget says. “We call it our ‘stroke of genius’. It’s changed our lives in so many ways for us to be able to contribute. It’s given us purpose.”
WHAT IS aphasia?
The Canadian Institute of Aphasia defines aphasia as “a language problem that masks a person’s inherent competence, and most dramatically affects conversational interaction (talking and understanding), as well as the ability to read and write. Without the ability to participate in conversation, every relationship, life role and almost every life activity is at risk. With additional reading and writing difficulties, the impact is devastating.”*
*The Nobles redefine it as very challenging rather than devastating.
Current global statistics:
• one-in-four people will have a stroke in their lifetime
• 40-60 per cent of stroke survivors will have some degree of aphasia.
What’s
What to book
TRADITIONAL choreography and opulent designs make The Australian Ballet’s The Sleeping Beauty a mustsee at QPAC’s Lyric Theatre from August 16-23. Ten years since its premiere, David McAllister’s acclaimed production will whisk the audience into a magical realm of fairies and spells, good versus evil and a royal romance – all played out to Tchaikovsky’s enchanting score. The Sleeping Beauty’s gilded set stands alongside more than 300 bespoke costumes, wigs and fairy wings, designed by the award-winning Gabriela Tylesova. For tickets, visit qpac.com.au and search for ‘The Sleeping Beauty’.
Where to visit
MATILDA, the star of the 1982 Brisbane Commonwealth Games, draws thousands of road trippers each year to the Caltex Traveston service centre at Kybong, north of the Sunshine Coast. The precious piece of Australian sporting memorabilia could turn her head, move her ears, use her long eyelashes to famously wink at the late Duke of Edinburgh, and release jumping ‘joeys’ from her pouch during the Opening Ceremony. At 13m tall and weighing six tonnes, Matilda will celebrate her 50th birthday in 2032: the same year that Brisbane hosts the Olympic Games. She may have hopped up and down the Southeast Queensland coast since her debut but she now seems to have found her forever home.
What to read
TAKAYNA/Tarkine: One Of The Last Wild Places On Earth by Australian Geographic is a stunning hardcover book that showcases the breathtaking landscapes and rich cultural heritage of a special wilderness. The Tarkine (Indigenous name: takayna) covers 450,000 hectares of land in the northwest of Tasmania. This ancient landscape boasts towering myrtle and sassafras trees forming a lush canopy over deep, meandering rivers, while delicate tree ferns and the crashing Southern Ocean exemplify the region’s wild beauty. The takayna is also deeply revered by its First Peoples, and is rich with sacred sites that echo the stories of generations past. Many of Tasmania’s finest wilderness photographers showcase their work over the 224 pages, while contributions from renowned environmentalists offer insights into the ecological and cultural significance. It is available from major book retailers and australiangeographic.com.au
Back in the day…
THERE was ‘Flower Power’ – a term likely coined by American poet Allen Ginsberg in 1965 during anti-war protests in Berkeley, California. Young people were inspired to use flowers, music, love and positive energy to express opposition to the Vietnam War and support for civil rights – as opposed to more confrontational protests. But by the end of the decade, Flower Power’s objectives had failed. 1971: The Year That Music Changed Everything, an AppleTV Original currently playing, outlines the watershed year of musical innovation as a new means of protest, spearheaded by Marvin Gaye’s single What’s Going On, aimed at police brutality.
Where to explore next
WELL, it looks like Aussie baby boomers – also referred to as the ‘SKI’ (Spending the Kids’ Inheritance) generation – are rewriting the travel rules, opting for adventure and cultural immersion over traditional holiday destinations. A new report from travel consultancy Forward Travel reveals that destinations such as the Maldives, Bangladesh, Colombia, the Congo and Scotland (pictured) are capturing the imaginations of Australian travellers aged 55-plus, with some increasing in popularity as much as 257 per cent. Looks like many of us still want to indulge our inner backpacker.
Retiree GARRY REYNOLDS
shares his thoughts on the world around us.
KINDNESS IN EVERY CORNER
RANDOM acts of kindness, either given or received, lift our day.
Sunshine Coast resident Jessica was having a terrible time. “Everything that could go wrong went wrong,” she recalls.
When she set off for a service station, her car ran out of fuel. Jessica rang her partner in the hope of getting a lift to the service station to fill up a small jerrycan and being dropped back to her stranded car.
Then, Jessica would drive back to the service station to fill her car up.
After she filled her tank, Jessica went to pay and was aghast to find that she had left
her handbag, phone, wallet and licence in her partner’s car.
“I had nothing to pay or prove my identity,” she says.
“I honestly broke down in front of the poor cashier who was trying his best to think of a solution. That’s when a shirtless guardian angel appeared, handed me $20, and refused to give me his number so I could pay him back.
“He gave me a big hug and told me: ‘It’s life and it’s okay’.”
LIVING THEIR DREAMS THROUGH CHARITY’S EFFORTS
THERE are good people out there, including those in the cleverly named Dreams2Live4 making life-changing dreams come true for adults with advanced cancer.
The charity was founded by a patient, Annie Robinson, who understood the need to treat the soul as well as the disease. She left a legacy of hope saying, “If we can encourage people to think of what their dreams may be and help them achieve these dreams, they just may improve the outlook of their disease.”
The Dreamer patients come from all walks of life. Their dreams range from a woman who left palliative care for a day of pampering, to weddings, hot air ballooning or meeting idols.
For Dianne, it was to have a video message recorded at the beach with photos overlayed and memories to be shared with her children and grandchildren. Beyond words, Dianne drew a heart in the sand as she twirled in her favourite dress along the water’s edge – a free spirit doing it her way.
AJ Hunting and Australia’s first one-day cricket match
CHRIS CURRIE opens up the State Library of Queensland collections to discover that one-day cricket initially was a hit when it began decades before the modern version.
We all know summer in Queensland means the bright lights and big hits of limitedovers cricket.
But did you know Australia’s first one-day cricket match was played at the Ekka grounds way back in 1933?
Cricket in 1930s Queensland was unquestionably popular and a strictly amateur (unpaid) sport – a colonial inheritance of the so-called ‘gentleman’s game’. Despite its relative success, one man believed more could be done to make it more attractive to the public and to players: relentless entrepreneur and inventor Albert John ‘AJ’ Hunting.
In June 1933, following a decline in his once wildly successful speedway racing enterprises, Hunting proposed a series of local matches between professional (paid) cricket teams over three hours on Saturday afternoons at the Brisbane Exhibition Grounds.
Pages of his diary – part of an extensive collection of his personal papers held at
State Library – reveal his early thoughts, after watching the 1933 Brisbane Test match between Australia and England: “Just imagine going to a talkie and finding it 20% silent or worse, for such were the recent Tests one over out of four a ‘dud’ [or] ‘maiden’ from the general public’s point of view. Hundreds of players in Brisbane, Sydney, Melbourne ... etc are ready to adopt the new style of cricket, believing that it is what the public want and they are prepared to join it.”
Hunting’s vision included four innings of “vigorous and snappy cricket” being completed by two teams within a threehour period, with a merit-based payment system for players, including two pounds for every six hit, and 7 shillings sixpence for bowlers who could rattle a batsman’s stumps. He formed a company, Professional One Day Cricket Limited, promising “brighter cricket at any cost” and secured a month’s lease at the Brisbane Exhibition Grounds.
Hunting received vigorous and
immediate opposition from the Queensland Cricket Association (QCA), with the representative body stating that any players choosing to join Hunting’s league would be immediately banned from all other forms of cricket.
Nonetheless, two teams were signed and Australia’s first game of ‘Professional One-Day Cricket’ began on Saturday, October 7, 1933, with the players wearing numbers on their backs and batsmen under strict instruction to hurry onto and off the field after every 10 balls faced.
Between 800 and 1000 spectators were reported to have enjoyed an “afternoon of entertaining, if not altogether scientific cricket”, with over 500 runs scored in 200 minutes, including 39 fours and one
memorable six (with Hunting, himself, marching out onto the pitch to present the batsman with a 10 shilling note).
As it turned out, this payment was the only one made to any ‘Professional One Day Cricket’ player. By the end of November, the new league was all but finished. Crowds were down to “less than twenty”, and Hunting’s dream was “dead, leaving few mourners except the participants on whom still rests the ban of the QCA”. Once sure the flashy competition had been thoroughly seen off, the QCA lifted its ban on the ‘professional’ players on Tuesday, July 3, 1934. But Hunting’s foray into the cricketing world put him well ahead of his time. More stories at slq.qld.gov.au/blog
Cricket was always popular. This is the crowd at the First Test in 1928 at the Ekka Grounds
Refinding Cunningham’s namesake tree
Retired forester Dr Gary Bacon recently found a mature-aged hoop pine tree near the banks of the Brisbane River where Allan Cunningham discovered the Araucarian species in 1824. Here, he recounts its initial discovery.
In 1824, Major General Sir Thomas Makdougall Brisbane, then governor of New South Wales, directed John Oxley, colonial surveyor-general, together with an extended party aboard the brig Amity to establish the first convict settlement at Red Cliff Point (now Redcliffe), Moreton Bay settlement.
The official task of extending the previous year’s survey of the Brisbane River by the colonial surveyor-general was undertaken by Oxley, the king’s botanist Allan Cunningham and a small crew aboard two boats, the barge and whaleboat. Using the diary and journal of the two explorers, respectively, as sources, it is possible to follow and map with quite reasonable accuracy the hoop pine discovery day on September 21, 1824.
They left their stranded boat on the drought-affected and debris-filled river and took off on foot, aiming at a mountain vista clothed with stately trees.
After fording the river three times to reach their destination, both men of reserved character could barely contain their enthusiasm for the splendid sylvan view at hand.
Here are the botanist’s words from his
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journal: “Hitherto in our examination of this river, we have been only gratified with a distant view of the pine; immediately we approached one of magnificent stature, the monarch of these woods. It was a healthy well-grown tree, exceeding 120 feet in height with a trunk 3’6” diam., clear of branches exceeding 80 feet. It was totally impossible not to halt a few moments to admire this noble tree which had all the habits of ramification of the Araucaria braziliensis.”.
Here are the surveyor’s words from his diary: “We penetrated (on foot!) through a very thick brush abounding with stately and magnificent pines, which towered far above the other timber of the hill, among which was the Flindersia. Mr C procured a couple of young cones, which satisfactorily
demonstrated that the tree which had excited so much admiration was an entirely new species of the genus Auricaris (sic), being the first discovered in New South Wales, and decidedly the growth of the interior and not a coast tree.
“We measured one, the first we came to, the circumference of which was 10 feet. Many others were of greater magnitude, which was carried up perfectly straight without a branch to a height of from 50 to 100 feet, the whole height in the fullgrown trees being at least 150 feet. To this stately tree, Mr C gave the name of the Brisbane pine.”
Foliage and cone samples were collected and eventually reached Kew Gardens in London where the taxonomists named the Moreton Bay pine, now known as ‘hoop pine’, Araucaria cunninghamii, after the botanist who determined this was a new tree to science.
Using the recorded traverses of the two principal explorers, the area location of discovery and sampling on private property near Pine Mountain, north of Ipswich, was determined and a veteran specimen hoop pine was selected and sampled for entry into the Queensland
Herbarium records. Recently, Ipswich Mayor Teresa Harding presented in situ a brass plaque commemorating the 200th anniversary of the discovery. Hoop pine became the foundation of our forest products industry for the next 100-plus years and also after the establishment of the Queensland Forest Service, the foundation of the forestry plantation enterprise. Today, 47,000 ha of hoop pine are planted in our state forests.
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A specimen tree at Pine Mountain
Life in the slow lane
By Mocco Wollert
I CRY at the drop of a hat. I wish I didn’t.
I can’t go to a funeral without crying, even if the dead person was barely an acquaintance.
I cry in sad movies, trying not to sniffle so people next to me don’t wonder what is going on. After all, it is only a movie.
In accordance with Mr Google, there are seven basic emotions that we, as humans, feel. They are: fear, contempt, disgust, sadness, anger, happiness and surprise.
It would be safe to say that most of us have experienced all of them at one or other time in our lives. We cannot decide not to have any emotions. They seem to come, wanted or not.
I am prone to all of them at different times and often find it hard to keep them in check, especially the ‘disgust’ and ‘contempt’ ones.
That might be because I am judgmental, no matter how hard I try not to be. Most of us are in various ways. I know, in a perfect world, we would not judge or feel contempt, but
we do not live in a perfect world.
The opposite of happiness is anger. Luckily, I seldom get angry, but I have known many angry people in my life.
I do get very angry, however, when I see gross injustice being done, especially to vulnerable people.
I usually vent my anger with letters to the newspapers or phone calls to my member of parliament. I usually get no reaction, and they don’t print my letters but it makes me feel better.
I am not the type to show my anger in street rallies, waving placards and yelling at the world. Actually, why not? Somebody might listen to me. I might even get on TV!
Sadness is part of our lives and we deal with it, each in our own way. Many of us have lost a partner, a family member, a child. Hopefully, though, time will lessen the pain and leave us just with good memories.
We all experience emotions, good or bad. We deal with them as best we can, trying to control them, but it can be a very hard and long road.
It is never a good idea to make decisions on the basis of an emotion. I must confess that the emotion of happiness has led me to doing foolish things.
I think that all I do is safe and no need to worry – only to realise afterwards that giving away a treasured piece of jewellery was not such a good or sensible idea, even though at the time I wanted to share my happiness.
One ‘emotion’ is missing from Mr Google’s list: love. Like the other emotions, love comes without warning and the force of it will move mountains, make you lose weight, rob you of sleep, make you reckless or give you the feeling that you are, in the words of Frank Sinatra, ‘king of the hill, top of the heap’.
May you deal well with your emotions ’til you are back on even keel.
Email mocco.wollert@bigpond.com
By Cheryl Lockwood
IT WAS judgment day. Not in a crossroad to heaven and hell kind of way I had been asked to be a judge at a QCWA cookery competition.
My first thought was: “Why would anyone ask me to judge anything at all?”
My gut feeling was to say no, but the person asking was (is) a sweet and kind lady, so I agreed.
I have a soft spot for the Country Women’s Association due my nan being involved with her local branch when I was a child.
I didn’t know much about what they did behind closed doors back then, but I knew she often attended and that they served some impressive scones at any function they were involved in.
In Australia, the CWA started back in 1922 in NSW to improve services and facilities of women living in rural areas. The group went from strength to strength and is still the largest women’s organisation in the country today.
Getting to sample home-baked goods also rated highly as a reason to say yes.
Another judge had been invited, so it was likely I’d just be her sidekick and I’d get to wander along and agree with her comments while stuffing my face. That didn’t sound difficult at all. But I should have known better.
The first issue occurred when I arrived on the
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day to hear that the main judge had called in sick, giving me a sudden promotion.
Another lady hastily took my former position of assistant and chief cake-taster.
The second issue came up just prior to viewing a table full of baked goodies.
Apparently, after the judging duties, I would be giving a speech to a hall full of people.
“Just talk about the competition, some of the entries and encourage people to compete in future events,” the cookery convener suggested, as if it was something I did every day.
Cookery is just one section of the competition at CWA events. Members and the general public can compete in a range of things from floral arrangements and tea towel painting through to public speaking.
On this particular day, I came from the cookery table with the taste of beetroot relish still fresh on my tongue in time to see the public speaking competition.
As I stood to deliver my own speech, I
realised that the judges for the speaking competition were still seated front and centre of the hall, barely three metres from me.
Apart from those who had taken part in the aforementioned talking, I don’t know of anyone who loves public speaking. Rest assured, it fills me with complete fear, but there I was about to give an impromptu talk in front of the very people who knew a bit about it.
I can’t recall exactly what fell out of my mouth. I hoped it wasn’t dregs of beetroot relish. I said something about entering cookery competitions in country shows back in my younger days and mentioned years of work as a pastrycook and hospital chef, in the hope of sounding vaguely qualified for the task I’d just completed.
I definitely talked about the winning chocolate cake, which was almost worth the dread of public speaking.
A quick online search will find dozens of quotes relating to judging others or, perhaps, not judging them.
The Bible has plenty of verses on the subject, so God must have thought it important.
As yummy as those cakes were, I won’t be in a hurry to don the judge’s hat anytime soon.
Needless to say, the same goes for public speaking.
Happy 2025 and fair judgment to all!
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Give online life a new year reboot
EDIN READ offers some simple tips for a smoother tech experience for all in the months ahead.
With the new year upon us, there’s no better time to set some resolutions for your digital life.
Just as we take time to tidy up our homes and make fresh starts, our technology can benefit from a bit of a clean-up, too. These easy-to-follow tips will help you refresh your tech habits, making your devices safer and more enjoyable to use throughout the year.
Let’s start with a simple but effective resolution: updating your passwords. It’s easy to let passwords become stale, especially if you’ve been using the same one for multiple accounts over the years.
Take a moment to change the passwords for your most important accounts. Think email, banking and myGov. Choose strong, unique passwords that are hard to guess. A good method is to create a passphrase using a combination of random words or to include numbers and special characters.
If you prefer a more traditional approach, jot down your new passwords in a dedicated password notebook, clearly noting each account. Avoid saving passwords directly on your computer
if they relate to sensitive accounts, as this could pose a risk if your device is compromised.
Another fantastic habit to form in the new year is regular data backups. There’s nothing worse than losing precious photos or important documents because of a sudden computer issue.
Setting up a backup system is easier than it sounds. For your computer, I recommend having a physical backup (using an external hard drive) and a cloud backup. This way, you have two layers of protection if something goes wrong.
For Apple users, make sure your iPhone or iPad is regularly backing up to iCloud. You can check this in your device settings under ‘iCloud Backup’. It’s an easy, automatic way to ensure your photos and files are safely stored.
Speaking of photos, this is a great opportunity to organise your digital memories. It’s easy to end up with hundreds of photos cluttering your phone or computer, making it hard to find the ones you love. Start by going through your photo library and deleting any duplicates or blurry shots you don’t need. Once you’ve pared things down, create folders to
sort your photos by year, event, or theme – whatever makes sense for you.
If you’ve been meaning to print a few favourites, now’s the time. A photo book or a framed picture can be a lovely way to enjoy your memories off-screen. And don’t forget to back up your photos as well, so they’re safe from accidental deletion.
Next on the list is a good old-fashioned declutter of your devices. Just like a tidy home feels more comfortable, a streamlined smartphone, tablet or computer can make using it a breeze. Go through your apps and uninstall anything you don’t use anymore. Not only will this free up storage space, but it can also help your device run more smoothly.
While you’re at it, take a look at your files and documents. Clear out the ones you don’t need and organise the rest into
folders. This is a simple step that can make a big difference in how easily you find what you’re looking for.
Another easy clean-up is checking for software updates. It might not seem exciting, but updates are crucial for keeping your devices secure. Your computer’s operating system, apps and antivirus software receive updates regularly to patch security vulnerabilities and improve performance. If you’ve been ignoring those notifications asking you to update, take the time now to get everything up to date. You can often set your device to automatically install updates, saving you from having to remember in the future.
Edin Read is founder and chief technician at Greyology Tech Support for Seniors. Visit greyology.com.au
3 frequent questions on new exercises
CAITLYN HUTH offers some advice for those thinking of stepping up their fitness programs.
There are many questions when starting a new program or just getting into exercise in general.
Here are the most common ones exercise physiologists hear. How often should I do the exercises? This varies, based on your goals and individual circumstances.
More exercise isn’t always better, and working out every day may not be feasible for everyone. We can consider the concept of the minimum effective dose, which provides sufficient stimulus for the body to adapt and make consistent progress – typically three or four times a week.
Exercising daily can still be effective if that aligns with your goals. However, if your body needs recovery days to manage soreness or fatigue, daily workouts may not be optimal. If you’re struggling to find time, starting with one or two sessions per week can be a great way to begin. It’s more beneficial to maintain regular workouts
than to push hard one week and miss out the next.
How intensely should I engage in exercises? This depends on your goals. The ‘no pain, no gain’ mentality often doesn’t apply. Maximum effort isn’t always necessary for making progress, particularly if you are dealing with an injury or chronic pain. Exceeding your limits can overstimulate and overwhelm your tissues, ultimately hindering your progress. It may be more advantageous to aim for a challenging effort while conserving some energy, aiming for about 70-80 per cent of your capacity. If your goal is to
move without causing aggravation, begin with an effort level that feels comfortable and sustainable without excessive strain. While some discomfort, such as mild pain or fatigue, is normal, pushing through excessive ‘grit your teeth’ experiences is not advisable. What if I feel pain with the exercises? When starting a fitness routine or incorporating exercises into your treatment, it’s common to feel some pain during the activities.
Typically, mild or occasional pain is not a cause for concern: it’s often just your body reacting to new stimuli. Experiencing muscle soreness 24-48 hours after exercise is normal when introducing new stimuli. However, if you experience intense pain or excessive discomfort, it’s important to pay attention and possibly reduce the activity to allow for recovery.
Caitlyn Huth is an exercise physiologist at Full Circle Wellness. Call 5456 1599 or visit fullcirclewellness.com.au
FIT HAPPENS with Tom Law
ARE YOU A BIT FIT AND USE A FITBIT?
I AM not going to talk about New Year resolutions, but how many use January to pledge a new way of life, kick an old habit, eat more healthily and exercise more?
As an older person, I would not say I was resistant to change in regard to technology, but I have found myself being well behind in some of the conversations with younger people. From an exercise point of view, I would be seen as an old-school person and as much as I like to keep up with what is new and the latest trends, I find it hard to do so.
One area, in particular, that I have benefited from recently (and you may, too) is the use of health and fitness apps. An app is a particular type of software that can be installed and run on different devices such as your smartwatch, iPad and computer. I use an app called Feelfit and this, in conjunction with a smart scale, will measure everything from my body fat content to skeletal muscle and, believe it or not, my metabolic age.
The app is free and logs all my vital health details from an exercise perspective. You may already be using some apps but, if not, here are useful ones for your health and wellness journey.
Free apps include: Caliber – used for resistance training; Nike Training Club; Jefit – for gym goers; MapMyFitness; ClassPass – guided workouts; Strava – good for cyclists; and FitOn – ideal for beginners. Now, do not feel in any way that you have to use apps, but I have found that they not only assist and record information, some can actually provide a positive experience for you and even motivation. Most apps are available from your smartphone and computer. They are simple to set up, but maybe ask your children or grandchildren for help. All the best for 2025. I hope you have a happy, healthy year. Tom Law is the author of health and exercise-related books. Visit facebook.com/tomslawtraining or call 0409 274 502.
Power of connection: a no-brainer
KAILAS ROBERTS reinforces the benefits that socialising can have cognitively throughout the year – not just at Christmas and New Year.
As you pack away the Christmas decorations, reflect on the warmth and joy shared with family and friends during the holiday season.
Whatever age you may be, these moments of connection offer more than just fond memories: they provide significant benefits for brain health.
Socialising is one of the most powerful ways to protect your mental and emotional wellbeing as you age. Research consistently shows that strong social connections reduce the risk of cognitive decline, dementia and depression.
The festive season, with its emphasis on togetherness, provides opportunities for interactions that strengthen your brain – much like exercise strengthens your muscles. So, how does socialising promote good brain health?
Well, every conversation, laugh and shared moment activates your brain’s neural networks, keeping them engaged and flexible. These interactions stimulate cognitive processes such as memory, attention and problem solving, while also reducing stress hormones, including cortisol – assuming the social interactions are to your liking, of course. Chronic stress is harmful to the brain. So, time spent with
loved ones helps protect it.
We also know from research that feeling isolated and lonely increases inflammation in the body which increases the risk of many chronic health conditions, including dementia.
Holiday socialising releases ‘feel-good’ chemicals such as serotonin and oxytocin, which enhance mood and emotional wellbeing. This blend of mental stimulation and emotional uplift creates a powerful defence against age-related cognitive decline and mental health issues such as anxiety and depression.
The joy of Christmas/New Year gatherings doesn’t have to end with the season. You can sustain these brain-health benefits by prioritising social connection.
Here are a few of my favourite recommendations for doing so:
• stay connected – keep in touch with those you saw over Christmas. A quick phone call or meet-up can reinforce relationships and reduce feelings of loneliness
• join local groups – look for clubs, classes, or volunteer opportunities that align with your interests. Regular group activities provide mental stimulation and social engagement
• plan regular get-togethers – whether it’s a monthly coffee morning, a lunch with friends or a shared hobby, scheduling social events ensures you stay connected
• try something new – explore new experiences, such as learning a skill or joining a community event, to challenge your brain and expand your social network. I like this one in particular as we know that novelty – doing something that your brain is not used to – gives it a more robust workout.
Combining physical activity and socialisation can also be really beneficial, as both activities help, but together have a synergistic effect. Consistently maintaining social bonds reduces the risk of dementia, keeps your mind sharp and supports emotional resilience. A rich social life has also been linked to better physical health, including lower blood pressure, improved immunity and better sleep.
These are important to address of themselves, but also because if they are not optimised, your brain will suffer.
Christmas reminds us of the joy that connection brings. It’s a chance to nurture relationships, spark conversations and create lasting memories – all of which contribute to a healthier, more vibrant mind. As 2025 begins, take the spirit of connection forward. If you are into New Year resolutions, then resolving to make efforts to stay in touch with others would be a great choice.
No man is an island, as the late poet John Donne put it. We need each other. We are designed to be in a group. Focusing on that will reap dividends for your brain.
Kailas Roberts is a psychogeriatrician and author of Mind Your Brain: The Essential Australian Guide to Dementia, available at bookstores and online. Visit yourbraininmind.com or uqp.com.au
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Silent ageism is not acceptable
CHARLIE GRIFFITHS doesn’t want to expire gracefully and suggests we all leave our well-lived lives kicking and screaming.
Whenever a child or a young adult triumphs over a lifethreatening illness or injury, their story becomes the likely source of inspirational quotes, novels and documentaries.
Their victory comes from a passion for living, unflappable resilience and unconditional love and support from family and friends.
Young people confronted with abominable circumstances are vulnerable, sensitive and lost.
Their war will be long and arduous, and they need an army of medical professionals and loved ones to conquer, battle by battle, skirmish by skirmish.
Unfortunately, not all victory flags get to be raised. How often do we hear these heartfelt expressions at untimely funerals?
“Cut off in the prime of their life.”
“Gone too soon, but never forgotten.”
“A life that burned bright, though far too brief.”
“Our hearts ache for a future that will never be.”
I’ve witnessed and experienced several unfair dismissals that leave a hollow feeling of injustice, resentment and disbelief.
Some people find comfort in their faith, while others pragmatically accept the bad with the good. But one thing is certain: death is a terrifying prospect. It is the No.1 basic human fear. Reviewing the above expressions, I wonder:
• how long is a life’s prime?
• when is too soon?
• what is too brief?
• who knows what the future holds?
When a mature or elderly person faces similar dismal prospects, journalists and documentary producers are not at their front door playing elbow hockey to get the scoop. It’s just not box office. Loved ones become kind and sympathetic, carers and medical professionals are comfortable telling how it is, and legal advisors offer assistance with end-of-life plans.
The whole scene takes on an aura of inevitability and resignation.
At what point does the sense of purpose become irrelevant? When is their prime spent? What constitutes a ‘good innings’? How much future is considered insignificant?
There is a perception that once we reach a certain age (I beg to be enlightened as to what age this is or if there is an algorithm to determine it), we are expected
to accept our lot and fearlessly face immortality The polite process is to expire gracefully. Bullsh*t!
As stated earlier, the prime human fear is that of dying. This does not diminish with age. In fact, it intensifies the closer we come to the reality that the tap on the shoulder is unavoidable.
That said, only under the most extreme circumstances is it possible that capitulation could be an option. We are born to live and live we will, with all our being, for as long as we can.
Our future represents our life, and we must respect it and do it proud.
I don’t dwell on what they may say at my funeral. I won’t be alive to hear it.
As long as I can look my loved ones, friends and colleagues in the eye while I’m wriggling and creating a nuisance, knowing I’m still having a crack, I’m
doing okay. Who knows? I might draw on the inspiration of those younger and older than myself who have beaten their demons and kick on productively for ages, and perhaps inspire others to live a cool life before they grow cold.
Age is just a number. Screw the numbers and screw the perceptions. If you want it, go for it. If you can, do it.
Let the medical staff close your eyes on your behalf before they pull the sheet over your face.
If this article resonates with you, comment at charliegriffithscoaching. com/contact
Charlie Griffiths is a certified life coach and Neuro Linguistic Programming practitioner dedicated to helping fellow professionals thrive with a chronic disease or serious injury.
HERE’S TO LIFE EXPANDS POPULAR COMMUNITY PROGRAMS
HERE’S to Life (H2L) manager Renee Allotta is thrilled to bring a host of fresh and captivating programs to its schedule in 2025.
H2L has expanded the offerings to include extra Buff Bones, Jazz with Pizzazz and Beginners’ Classical Ballet on Thursdays. Renee extends a warm invitation to new participants: “We’re all about fun, fitness and friendship.”
An integral aspect of H2L involves offering programs specifically tailored for individuals living with intellectual and/or physical disabilities.
Dancercise, Art/Crafts, and Drumming/Percussion are included, providing a chance to engage in thoughtfully designed and organised activities. These sessions take place in a vibrant, friendly and colourful environment, led by enthusiastic and
Dhighly qualified instructors with extensive experience. Every participant is supported and encouraged to develop their abilities, and Renee says the thrilling outcome is that they consistently do so.
Renee, also the instructor for Jazz with Pizazz and Magical Tap programs, emphasises the programs’ ability to foster enjoyment, camaraderie, fitness, confidence and stress alleviation. These classes are tailored for individuals of any gender, body shape, size and ability.
As for Buff Bones, instructor Angela says that if you’re seeking programs that are medically endorsed, providing a comprehensive workout for bone strengthening and balance, and are suitable for individuals with osteoporosis, her program is the ideal choice.
Visit herestolife.org.au or call Renee on 0408 717 342.
Life Transitions
with Louis Moore, Founder, Estate Transitions WHEN IS THE RIGHT
TIME FOR SENIORS TO DOWNSIZE?
eciding when to downsize a family home is a deeply personal choice for seniors and is influenced by various factors. Typically, it’s prudent to consider downsizing when the maintenance of a larger home becomes burdensome; when mobility or health issues arise; or when financial constraints warrant a more manageable living situation.
Emotional readiness and the desire for a simpler lifestyle also play crucial roles. Ultimately, the right time to downsize is when it aligns with the individual’s physical, emotional, and financial needs, fostering a sense of comfort, security, and improved quality of life in their new abode.
Navigating the intricate process of downsizing can be daunting for seniors and their families. It involves not just physical relocation but also emotional transitions.
Here steps in the expertise of Estate Transitions, providing a holistic approach that extends beyond mere logistics. We offer personalised assistance, understanding the unique needs and preferences of each client.
MEALS ON WHEELS FUNDING
MEALS on Wheels Australia has welcomed the federal government’s $37 million cost-of-living funding boost for aged care meals services.
In a statement, Meals on Wheels Australia Ltd chair Paul Sadler says the timely investment will assist more than 500 meals providers nationwide in addressing increasing cost pressures and ensuring the delivery of nutritious, quality meals to older Australians in their homes.
“We appreciate the government’s recognition of the vital role Meals on Wheels and other Commonwealth Home Support Programme providers play in supporting older Australians to live independently, stay healthy and remain connected to their communities,” Mr Sadler says.
“This funding boost is a step in the right direction to support these essential services.
“I welcome the Minister for Aged Care’s commitment to support Meals on Wheels services, confirmed when we met at Parliament House recently.”
Mr Sadler says the funding comes on top of the government’s extensive aged care reforms that passed recently, and the boost is reassuring for meals providers.
But more is needed now and in the future.
“We look forward to continued discussions with the government about addressing long-standing funding challenges, including the need for further increases to overcome the shortfalls caused by inadequate indexation in past years,” Mr Sadler says.
“But there is no question that this will take pressure off Meals on Wheels services in the short term.
“This commitment to the future of Meals on Wheels will help sustain this iconic community service for generations to come.
“We thank the Government for its dedication to the health and well-being of older Australians and for ensuring that services like ours remain a vital part of the aged care system.”
From decluttering to coordinating moving logistics, they ensure a seamless transition, alleviating the stress that often accompanies such major life changes.
Moreover, acting as independent buyers’ agents, they possess an intimate knowledge of the housing market and the aged care home market, adeptly matching seniors with homes that suit their evolving lifestyles and requirements.
This dual expertise streamlines the entire process, empowering seniors to embrace their new chapters with confidence and peace of mind.
As we continue to witness the silver tsunami, Estate Transitions — specialising in senior downsizing and relocation management — has emerged, not just as a service provider, but as an essential pillar of support, fostering dignity, independence, and wellbeing for our local seniors community. Call Louis Moore now if you’re ready for the next move on 0466 739473 or visit estatetransitions.com.au for more information.
The pinnacle of boutique over 50s living
The final stage of Greenwood Forest Glen is your last chance to secure a home in this exclusive boutique over 50s community. With only 30 home sites available in Stage 5, featuring a mixture of single and double storey residences, this is a rare opportunity to enjoy premium living in the heart of the Sunshine Coast. All homes feature quality appliances for modern comfort, fully landscaped surroundings, ducted air-conditioning, 5kw solar, and elegant stone bench tops. Don’t miss your last chance to secure your dream home. Book your personal tour today and explore our two display homes.
Greenwood Forest Glen offers unparalleled proximity to essential amenities and unmatched lifestyle benefits including:
• Club Eden with 25-metre swimming pool, event space, tennis, bowls green, games room, bar and dining area.
• Residents-only conservation reserve with 5 hectares of rainforest reserve with its interconnected walking trails.
• Community garden with orchard with dedicated event space.
• Forest Glen Village Shopping Centre with Super IGA supermarket, takeaway, medical and dental facilities, chemist and more just across the road.
Breathe in the air of sophistication
BRUCE McMAHON discovers a family wagon that travels well no matter the landscape, here and abroad.
Santa Fe, New Mexico, is a town of heritage, culture and high-end art – from Native American jewellery to modern sculptures, watercolours and oil paintings.
It’s a sophisticated, handsome town. Yet it is no sombre, high-falutin town. Santa Fe is full of life and laughs and beers.
So, this latest Hyundai Santa Fe will fit right in.
This square-jawed (a bit like some Land Rovers of old), smart-looking wagon with its air of sophistication, inside and out, would well suit the New Mexican high-desert country.
There’s all that space for four or five (maybe six with smaller folk in the third row) to motor in comfort down Route 66.
Even in base trim with front-wheeldrive (for around $55,000 before on-road costs), the Santa Fe is packed with most of the necessary mod cons, including Apple CarPlay and the like. Even that far back row has access to USB ports and ventilation controls.
There’s that good fuel economy to cross open plains, or climb down and up canyon roads of America’s south-west.
Back here, it was running under six litres for 100 kilometres for town and country work, thanks to the petrolelectric hybrid power plant.
There’s a decent amount of storage spots for long-distance drinks and snacks, and plenty of cubby holes for saved s ouvenirs. There are the usual – but mostly polite – driver assistance systems to help stay in the right lane, avoid running up someone’s rear or backing into oncoming shoppers. The overhead camera work when parking is a boon.
And, among many highlights, the wagon’s instruments, graphics and any driver instructions are easily read and understood. It’s all 21st century equipment and assistance features, yet there’s not the confusion of information and controls some ‘trend-setting’ makers serve up.
On top of all this, the Hyundai Santa Fe Hybrid is a nice thing to drive. It’s no sports wagon but a very confident machine on all manner of roads –bitumen or dirt. Steering is direct and responsive for the family driver, the Hyundai rides quiet and comfortable, plus there’s 172Kw, thanks to the 1.6-litre
petrol engine plus battery.
Transitions between electric and petrol power and back are seamless, while the regenerative braking system –supplying electricity back to the battery – appears more efficient than some and can be helped along by paddle shifters on the steering column for more or less braking.
It could handle more power (and there’s a 206kW engine option). It’d be nice to compare the all-wheel drive version with the base front-drive model.
An AWD Santa Fe could then be made
a better, more able, rough-road rider with Hyundai’s XRT kit: it’s $6990 for the basic outfit including 17-inch wheels, special Pirelli tyres, skid plate plus a 30mm suspension lift; for $9990, there’s all that plus bonnet protectors, a roof platform and other bits.
Yet in base, front-drive trim, this Santa Fe Hybrid – with its style, substance, fuel economy and packaging – is maybe the best family wagon to come along since Australia’s Ford Territory. Around here, the Hyundai was certainly best in class in 2024.
Cruise to sunset on a historic paddlewheeler, enjoy a traditional stockman’s dinner around the campfire, visit Nogo Station to hear how Australia was built on the sheep’s back, travel the old Longreach-Windorah mail track on a Cobb & Co stagecoach, and so much more.*
*Accommodation available year-round. Experiences run April – October.
65 years of bliss and still counting
When John and Marie D’Alton (nee Ebert) tell you that the secret to a happy marriage is to never go to bed on an argument, you should believe them.
On January 2 this year, they celebrated 65 years of wedded bliss.
Who could have guessed that a chance meeting at the Redcliffe Roller Skating Rink in November 1958 would have led to what they both consider “a very happy life”.
“We became engaged in April 1959 and married on January 2nd, 1960,” they remembered, in a note to Your Time
“In the next three years, we had a son and a daughter, both now married, and each has a son and daughter. We moved to Brisbane City and bought a house in Toowong. We moved again in 1973 to Auchenflower where we still live.
“Marie ran a dance at the City Hall 50 Plus Centre for 23 years. Marie was honoured with the Lord Mayor’s Achievement Award in January 2020 for her running the dance for free all those years.
“Her hobby of plants saw her become president of the Cactus and Succulent Society for 10 years and president of the Royal Horticultural Society for five years.
“When Johnny retired from work, he did volunteer work at U3A, BSOL (Brisbane Seniors Online), then later computers and movie making at the 50 Plus Centre at the City Hall which he is still running twice a month.
“We received a letter from Queen Elizabeth for our 50 years and hope to receive one from King Charles for our 65 years.”
SENIORS’ LUNCH SERVES UP RECONNECTION
SEVENTY years after losing touch, childhood friends Betty English and Thea Carter are rekindling their friendship following a heartwarming reunion at a Brisbane lunch designed to connect seniors.
Throughout their high school years, the pair travelled together by train between their Toowoomba boarding school and their homes in the Bundaberg region.
Having drifted apart after graduating in the 1950s, Betty and Thea recently found themselves sitting across the table from one another at a lunch event organised by their in-home care provider Home Instead.
“I turned around and immediately recognised Thea – I nearly passed out,” Betty says.
“She said ‘Betty?’. I said, ‘Thea, what are you doing here?’”
Thea says: “Yes, I couldn’t believe it. I knew straight away it was Betty – we haven’t changed much.”
The Brisbane grandmothers, 89 (Thea turns 90 on January 6), had so much to catch up on that they found it difficult to converse and consume their lunch at the same time.
As they were in different year levels in school, Betty and Thea had separate friendship groups, so never really heard about what had become of one another’s lives.
After finishing school, Betty was a typist at a Brisbane newspaper and then worked for Shell until she was married. Thea also married and worked in pharmacy until she retired.
Betty had three sons, while Thea had two daughters and a son. Most of their children live in Brisbane. However, both their husbands and one of Betty’s sons have sadly passed away.
Betty, who lives in Clayfield, and Thea, who resides nearby in Newstead, have kept in touch since the function in May and recently went out for lunch together.
“It’s been so lovely catching up and talking about old times,” Thea says.
The women are glad they took up their invitation to attend the Home Instead lunch.
“It was a lovely event – there were 10 of us there and everybody was happy to talk to one another,” Betty says.
“It was the first lunch event I had been invited to and I thought it would be a great way to meet some new people. I had no idea Thea would be there.
“We had a lovely morning and seeing her was an absolute bonus.”
Home Instead care manager Lynnette Sanders says it was lovely the two women had reconnected.
“Betty is keen to attend more events and has made plans to catch up with Thea outside our group gatherings,” she says.
“Our lunch events do take a bit of organising. However, the connections made among seniors who can be at high risk of loneliness and social isolation makes it worthwhile.”
KNITTING FOR PREMATURE BABIES AND CHARITY
MORE than 12 residents from two Brisbane retirement communities have partnered up to knit blankets and beanies for premature babies at the Gold Coast University Hospital and local charities.
Residents from TriCare James Ommaney Retirement Community and St Luke’s Green Retirement Community came together to knit several items late last year for those in need.
TriCare James Ommaney Retirement facility manager Robyn Bryant says the partnership was a great opportunity for residents to connect with like-minded individuals from other facilities and give back to the community in a positive way.
“We are grateful to have such wonderful residents at our facility that love giving back to the community and making a difference,” Ms Bryant says.
“It’s not every day we get to connect with other retirement communities in the area, so the residents are really
looking forward to the day trip and fun activities planned.
“Volunteering is very important to the residents at TriCare and something we encourage.
“There’s nothing better than putting a smile on someone’s face or making their day from an act of kindness.”
Resident Christine Dale, 81, has a special reason for wanting to help parents of premature babies, with her granddaughter being a midwife at Gold Coast University Hospital.
“I’m extremely proud of my granddaughter and everything she does for the hospital,” Ms Dale says.
“I’m very blessed to be surrounded by other residents who enjoy giving back just as much as I do. It means a lot to me that I can help those in need and make my granddaughter proud.
“It was a great day spent connecting with the residents from St Luke’s Green and working together to create some beautiful donations.”
The D’Altons on their 60th anniversary in 2020 (left) and their wedding day in 1960
Betty English (left) and Thea Carter
The economic pros and cons of seeking green home loans
DAVID KOCH outlines how people can save money on energy bills and increase their property’s value.
Did you know you could get a lower interest rate and improve the value of your property while making your home more energy efficient?
A Compare the Market analysis found that borrowers with a $750,000 loan could reduce their monthly repayments by $170 when they refinance from an average variable rate of 6.3 per cent to a green home loan rate of 5.95 per cent.
Compare the Market economic director David Koch says green home loans aim to reward borrowers who invest in sustainable properties.
“Aside from reduced interest rates, these types of loans may come with added benefits such as reduced fees, cashback rebates, and the option to borrow additional funding for energy-efficient upgrades,” Mr Koch says.
“As long as the property you’ve either purchased, built or recently renovated to be more energy efficient passes the lender’s green home eligibility criteria and you meet any other loan eligibility requirements, you could be eligible for a green home loan rate.”
Residential buildings are responsible for about 24 per cent of overall electricity use and more than 10 per cent of total carbon emissions in Australia. The average
Australian household emits about 18 tonnes of greenhouse gases annually, with significant contributions from heating, air-conditioning, ventilation, appliances and hot water systems.
“Reducing these emissions can be costly, but green home loans help bridge this gap by providing financial incentives for eco-friendly upgrades like solar panels, improved insulation and energy-efficient appliances,” Mr Koch says. “By making these investments, homeowners not only reduce their environmental impact but also potentially reduce their energy bills and possibly increase their property’s value. That’s a win-win situation.”
PRD data from 2018 shows that sustainable properties sell faster and at prices at least 10 per cent higher than non-sustainable ones.
Green home loans are relatively new and while various lenders will have different qualifying criteria, such criteria is often underpinned by those set by the Nationwide House Energy Rating Scheme (NatHERS) and the Clean Energy Finance Corporation.
To qualify, homes usually need a minimum seven-star rating under NatHERS, which evaluates energy efficiency based on the home’s design. This rating goes up to 10, and a rating of seven is above the average efficiency in most homes today.
Homes may also qualify if renovations improve the energy efficiency rating by at least one star or if the property incorporates features including:
• solar panels and energy storage systems
• battery power and wind power
• improved insulation and double glazing
• solar hot water systems
• water-saving technologies.
In addition to home loans, there are green personal loans and green car loans available for smaller, eco-friendly purchases such as solar panels and energy-efficient vehicles.
Commonwealth Bank, RACQ, Westpac and Suncorp offer green personal loans to fund energy-efficient home improvements,
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with rates starting from as low as 2.79 per cent.
The criteria for qualifying can be strict, and the loans’ restrictive nature may make switching to a better deal challenging.
Additionally, upfront rates and fees can be deceptive. So, it’s essential to review the comparison rate and the product disclosure statement to understand the loan’s true cost.
Overall, green home loans are a valuable tool for Australians looking to reduce their environmental impact while saving money.
With energy efficiency becoming an increasingly important factor in home buying, and a growing number of lenders offering green loans, the market is expected to become more competitive, making it easier for homeowners to access affordable financing for sustainable upgrades.
Your retirement should be all about you and your preferences
By LESA MACPHERSON
What are your dreams for your retirement years? We all have our own individual stories and precious memories.
It is essential to always remember who we are and allow our dreams for our future years to reflect our essence.
One of the very pleasant aspects of practising in elder law is getting to know some very interesting people who have lived full and rich lives.
It is truly a privilege to engage with our clients, to help them with their needs and assist them along the pathway of their journey through life.
They have ‘old-school values’ –honesty, courtesy and wisdom – and they are entitled to receive the same
from their lawyers.
When making the decisions about your retirement living, it is important those decisions are informed by the person you are.
For example:
• are you a people person who loves the company of others and would thrive in a bright and engaging community with lots to offer?
• do you want to continue to travel and have your home easily secured and maintained while you’re away?
• do you have beloved grandchildren? What facilities are available to share with them in the retirement living option you choose?
• are you a person who has wonderful
HOW TO DOWNSIZE YOUR HOME WITH LITTLE STRESS
DOWNSIZING your home is new chapter, but navigating side can be stressful.
For many over-50s, bridging provides a practical solution, freedom to buy your next home selling your current one.
John Bryant (pictured), a manager at alternative lender recently downsized his own With four decades of experience finance, he understands the older homeowners face.
“Traditional lenders often criteria around age and income, many feel stuck,” John says.
“At Funding, we take a different approach by looking at your picture, including home equity clear repayment plan.
“This lets you buy your next without the pressure to sell
This approach avoids common downsizing pitfalls, such as lower offers and the expense temporary accommodation.
“Our goal is to take the stress out of downsizing,” John says.
“With transparent costs and support from our Australian-based team, we help clients feel confident every step of the way.
memories of beach holidays, who loved surfing and beach walks? So, would you consider a move to a beachside area an exciting option?
• if you love nature, how will you reflect that within the community in which you live?
On a practical level, remember to think ahead about the availability of higher-level aged care facilities nearby.
These are the qualities we all want to look forward to in our retirement years:
• quality individualised care
• a desire to know who we are
• respect and kindness
• time to listen to our stories and precious memories
Funding simplifies the process with fast approvals, minimal paperwork and funds available within days.
“Don’t let finance hold you back from your dream retirement. Bridging finance is simpler than you think and gives you the flexibility to downsize on your terms.”
To learn more about bridging finance, visit funding.com.au or call 1300 44 33 19.
INVESTING IN REAL CREDIT FUNDS KNOWLEDGE
investing in real estate credit understanding the differences form and non-built form is important. Both play a role in property development distinct risks and opportunities. construction – refers to physical structures, such apartments or commercial real estate credit funds, built form construction can potential returns, as structures tend to have greater demand in the market. carries higher risks. Projects are challenges such as construction blowouts due to fluctuating prices, labour shortages and design changes. These factors timelines, profitability and schedules. For investors, built construction often requires greater patience and a higher risk tolerance.
Non-built form construction –focuses on land subdivision, including tasks such as land clearing, roadworks
• having the time to do things we love.
Brisbane Elder Law can help you during your retirement years and beyond. We are baby boomers and match and identify with the demographic of our clients.
We have found our clients really value this perspective.
Our motto of: ‘Expertise with empathy’ is not just a marketing catchphrase – it’s what we do and what we give.
Our website at brisbaneelderlaw.com.au sets out many matters you should consider when making the decision to choose a retirement option. Call 1800 961 622 or visit the website.
and installing infrastructure, including sewer lines and utilities (power and water, for example). This approach prepares land for future development but stops short of building structures. For real estate credit funds, non-built form construction offers a more stable and predictable investment. It avoids risks associated with building while still creating value by making land ready for sale or further development. Non-built form projects often experience less impact from product and services inflation, as they involve fewer materials and simpler processes.
Which is better for investors? Nonbuilt form construction is typically better suited to those seeking lower risk and shorter time frames. Built form projects appeal to those comfortable with higher risks for potentially greater rewards.
In Australia, real estate credit funds offer both opportunities. Choosing the right one depends on your investment goals, risk appetite and the expertise of the fund manager overseeing the project.
WORDS: Justine Christie, head of marketing, Capital Property Funds.
See capitalpropertyfunds.com.au
SIMPLE, SAFE, EFFECTIVE PATHWAY TO RESCUE
SCAN, see and rescue me: that’s the main message of the unique, personally QR-coded medical wristband known as SafeMate.
The wristband is lightweight, discreet and easily identifiable by Queensland Ambulance Service (QAS) officers. So, there is no need to worry about expensive equipment to install and maintain, or availability of WiFi or mobile networks.
If someone finds you in need, and they have a mobile phone, they can scan the personal QR code, and see and know how to take the next step to help you.
You choose what is viewed when you upload your profile, through multilayered security.
Anyone scanning the QR code will access public data: your name, ID photo and who to contact in an emergency. You decide what can be shared.
If a 000 call is needed, private data is only accessible to registered QAS paramedics with a certified QAS email address.
SafeMate stores vital medical details and emergency contacts through a secure network. It allows the sharing of medical information with those you trust – registered QAS paramedics –with quick scanning of your wristband personal QR code.
QAS paramedics access important medical history, medications, allergies and emergency contacts, saving time and bringing accuracy for better treatment.
SafeMate has been working with the QAS since 2017.
The wristband is ideal for peace of mind for families and caregivers and can tell of sensory impairment, disability, diabetes, allergies, complex health conditions or a long list of medications.
It helps the individual be treated the right way, right away, reducing patient, family and paramedic stress or confusion at the time of an emergency.
Visit getsafemate.com
HOW TO BREATHE EASIER AND SLEEP BETTER
IF YOU are feeling constantly tired, foggy or drained, you might be one of the many adults unknowingly living with sleep apnea.
Sleep apnea is a condition where breathing repeatedly stops and starts during sleep.
Beyond leaving you exhausted, untreated sleep apnea increases the risk of high blood pressure, heart disease and other serious health issues.
CPAP (continuous positive airway pressure) therapy offers a simple, effective solution to help you reclaim restful sleep and improve your overall health. It works by delivering a consistent flow of pressurised air through a mask, keeping your airway open throughout the night.
This steady airflow prevents the pauses in breathing that disrupt sleep, allowing for deeper, uninterrupted rest.
Think of it as a personal sleep bodyguard that ensures you stay on track for quality sleep.
The benefits are clear: fewer midnight wake-ups, better energy during the day and a noticeable improvement in your quality of life.
CPAP Direct can make the process as smooth as possible, with a wide range of machines, masks and accessories from trusted brands such as ResMed, Fisher & Paykel and SmartMed.
Comfort is the key to CPAP success.
CPAP Direct understands that everyone’s needs are unique. It offers a variety of mask styles to cater to preferences:
• full-face masks are ideal for mouth breathers or those dealing with congestion
• nasal masks and pillows provide a lighter, more minimalist design for those seeking comfort without compromise.
CPAP Direct’s knowledgeable team is ready to guide you every step of the way, ensuring a custom fit that maximises comfort and effectiveness.
CPAP therapy doesn’t just help you sleep better. It can transform your overall health and wellbeing by:
• sharpening focus and mental clarity: deep sleep helps clear brain fog, enhancing productivity and mood
• improving heart health: consistent oxygen flow reduces the risk of cardiovascular problems, including high blood pressure and heart disease
• elevating energy levels: say goodbye to mid-day ‘crashes’ and hello to more productive, energetic days
• enhancing wellbeing: from stabilised blood pressure to reduced fatigue, the holistic benefits of CPAP therapy are life changing.
THE number of people living with arthritis in Australia is projected to increase by a third by 2040, a modelling study, published in The Lancet Rheumatology, suggests.
The model projects about 5.4 million Australians will have arthritis in 2040, 1.3 million (31 per cent) more than the estimated number of cases for 2025.
Annual health system spending on osteoarthritis – the most common type of arthritis, and rheumatoid arthritis – the most common type of inflammatory arthritis, is forecast to exceed $11.9 billion by 2040, if current spending levels continue (estimated at $2100 per person with osteoarthritis and $1918 per person with rheumatoid arthritis and per year).
Monash University Musculoskeletal Health Unit deputy director Professor Ilana Ackerman says arthritis is a common condition that affects the joints, causing pain and impacting function in all areas of life. By 2040, nearly 5.4 million Australians are anticipated to be living with arthritis, based on expected population growth and ageing.
“Arthritis doesn’t just affect older people – it affects babies, children, adolescents, as well as adults of all ages,” Prof Ackerman says.
“Arthritis can affect people’s ability to undertake their work tasks and their ability to participate in the workforce. As our population grows, there will be more
people of working age who are living with arthritis, and this has the potential to significantly impact productivity at a national level.
“We need to invest in effective prevention and high-value care that can improve outcomes for people living with arthritis.”
Prof Ackerman says that for osteoarthritis, the best advice is to prevent joint injuries, maintain a healthy weight where possible, and keep strong and physically active.
She says people living outside of metropolitan areas face greater challenges in accessing arthritis care, particularly specialist care, including paediatric rheumatology for children living with juvenile arthritis.
“It’s critical that people living in regional and rural areas can receive a diagnosis and the treatment they need in a timely manner,” Prof Ackerman warns.
WHY IS MEDITERRANEAN DIET SO POPULAR?
FOOD trends come and go. The trick is to find those that are backed by science, rather than hype.
One stand-out is the Mediterranean diet. Why all the fuss?
Research has linked this diet to many health benefits.
One study in 2022 found that people who ate more olive oil reduced the risk of dying due to dementia by 29 per cent, heart disease by 19 per cent and cancer by 17 per cent.
Another study from 2020 found that eating the Mediterranean diet in mid-life was linked to a 24-46 per cent improved likelihood of better memory, thinking skills, mood and decreased dementia risk.
Other key findings for the Mediterranean diet are that it:
• reduces inflammation in the brain, which protects brain cells (lowering dementia risk)
• improves mood and decreases risk of depression
• supports good gut health.
Here’s a quick rundown of the diet:
• six vegetable and three fruit servings daily
• three tablespoons of extra-virgin olive oil daily
• lentils and other legumes three to four-times weekly
• wholegrains including nuts and seeds daily
• protein from seafood and poultry
• moderate dairy intake
• low red meat consumption
• eating mindfully and socially.
Eating this way 80 per cent of the time brings these health benefits.
So, you can still occasionally enjoy pizza, chips and chocolate.
WORDS: Dr Sophie Andrews, Senior Research Fellow and Healthy Brain Ageing Research Program lead researcher, and Louise Pemble, engagement officer, at the University of the Sunshine Coast’s Thompson Institute.
CABOOLTURE WARPLANE MUSEUM EXHIBITS
THE Caboolture Warplane Museum is a must-visit destination for aviation enthusiasts and history buffs alike.
Established in 1995, the museum stands as Queensland’s sole operational warplane museum. It offers visitors a unique opportunity to fly in a warplane.
The primary objective of the museum is to showcase the rich history of military and civil aviation, with a specific focus on artefacts from Australian Aviation History, notably from World War II and Vietnam. By preserving and exhibiting these relics, the museum pays homage to the pioneering and heroic aviators who have shaped the aviation industry.
For children and adults alike, the museum provides experiences such as ‘flying’ the ‘Huey’ helicopter: a full-sized Iroquois when it served in UN Peacekeeping. One of the notable attractions is the D-C47 Dakota, known as the ‘Skytrain of the Skies’, which holds significant historical value from its service with the RAF, flying dignitaries Sir Winston Churchill and King George VI.
The museum also highlights remarkable individuals such as Leonard Waters, Queensland’s first Aboriginal fighter pilot, and a newly acquired P40 Kittyhawk is now on display. Mr Waters flew Kittyhawks in World War II.
Visitors can delve into the stories behind admirable icons, such as the Gipsy Moth, which has been meticulously restored to its original condition.
With a diverse collection of exhibits ranging from an F-111 crew module to World War I and II memorabilia, visitors can immerse themselves in more than an hour of captivating learning. The museum offers personalised tours from knowledgeable and experienced tour guides.
WHERE: Hangar 101, 157 McNaught Road, Caboolture.
WHEN: The museum is open seven days from 9am to 3pm, except on select holidays.
TICKETS: $15 for adults, $10 for seniors, carers and students. Children aged 5 and under are free. Visit cwpmuseum.com. au/visitor-information
EMERGING ARTISTS’ WORK ON SHOW
BRIBIE Island Community Arts Society
Inc. is once again featuring artwork by some of our young emerging artists in the Hell Yeah! exhibition.
The works exhibited are from four artists: Charlotte Ellis, Maddy d’Rozario, Esther Wright and Kya Dulhunty. These artists were outstanding exhibitors in the Next Generation Art Prize event and represent the impressive upcoming art talent in the Moreton Bay region.
Ellis works in raffia, d’Rozario and
Dulhunty in mixed media, and Wright in watercolour.
Meet the artists over a free morning tea on Friday, January 10, at 10.30am.
WHERE: Bribie Island Community Arts Centre, 191 Sunderland Drive, Banksia Beach.
WHEN: The arts centre is open 9am-4pm, Tuesday to Saturday; and 9am-1pm Sundays (closed Mondays). The centre reopens on January 7.
TICKETS: Free entry. Visit bribieartscentre.com.au or call 3408 9288.
THE APPLETON LADIES’ POTATO RACE
MATES Theatre Genesis is set to bring Melanie Tait’s The Appleton Ladies’ Potato Race to life on the stage.
Inspired by a true story, the warm-hearted play follows Dr Penny Anderson, who returns to her childhood country town of Appleton and is outraged to discover the huge disparity in prizemoney for the annual Potato Race: $1000 for men but only $200 for women.
Incensed by the injustice, Penny launches a campaign to bring equality to the Appleton Show.
A comedic delight about community, family and standing up for what’s right, The Appleton Ladies’ Potato Race portrays a colourful cast of Aussie characters.
Directed by Adelle O’Connell and assistant director Traci Sumpter, the production features: Amanda Lay as Penny, a self-confessed misfit; Peta Townend as her cousin Nikki, the Potato Race champion; Diana Gogulski as the old-fashioned Appleton Show president Bev; Claire Marchesi as Barb, the town’s social lubricant with a secret; Rhea Basha as Rania, a newly arrived Syrian immigrant; and Paul Hynes as the radio announcer and commentator who aptly describes the annual event as “the race that makes heroes out of men; gods out of potato farmers”.
WHERE: Donald Simpson Community Centre, 172 Bloomfield Street, Cleveland. WHEN: Various times from January 24- February 1.
TICKETS: Adults $25; concession $20; children and students $15, via matestg.org.au
BLUEY PART OF NORTHSHORE BRISBANE FUN ATTRACTIONS
SEE what all the fuss is about and dive into Bluey’s World with the grandkids at Northshore Brisbane.
Bluey’s World is wowing visitors of all ages with its one-of-a-kind immersive experience. Step into the Queenslander home and backyard of the beloved, animated TV character Bluey and the Heeler family – for real.
The expansive, multi-sensory experience features real-life sets, recognisable scenes and characters from the hit show.
Explore multiple rooms and play games from Bluey, as the whole family embarks on an interactive adventure with your guide through this vibrant and playful world.
TICKETS: Admit tickets are $64.90, via bluey.tv/blueys-world/. All event attendees aged two years and over at the time of attendance must purchase an Admit ticket. All ticketholders under 18 years must be accompanied by a ticketholding adult at all times.
AUSTRALIAN YOUTH
ORCHESTRA SET TO DAZZLE
THE Australian Youth Orchestra (AYO) has unveiled plans to bring its Striking and Beautiful: Summer Season Concert to Southeast Queensland.
These performances are part of AYO’s ambitious 2025 season, which marks the orchestra’s triumphant return to the international stage after a six-year hiatus.
The concerts offer local audiences a rare opportunity to witness Australia’s finest young musical talent in action.
With 550 participants – some as young as 13, the AYO represents the cream of the crop in Australia’s next generation of classical musicians.
Lachlan Bramble, chair of the AYO artistic advisory committee, emphasises the transformative nature of these performances: “An AYO concert is more than just a concert.
“It is a collective coming of age through music – a twinkling of wonder, growth, and discovery.”
The 2025 season boasts an impressive line-up of collaborations and debuts.
While specific details are yet to be announced, the season features UK conductor Kerem Hasan making his Australian debut, a collaboration with Australian Chamber Orchestra’s renowned cellist Timo-Veikko ‘Tipi’ Valve, and performances by virtuoso Christian Li and didgeridoo master
William Barton. Audiences can also look forward to new works and arrangements by Australian composers Jessica Wells, Miriam Hyde, and Anne Carr-Boyd.
In a nod to Australia’s rich cultural heritage, AYO is partnering with Ikuntji Artists, an Aboriginal art centre in Haasts Bluff, to incorporate First Nations designs into performance attire.
This initiative underscores AYO’s commitment to celebrating Australia’s diverse cultural tapestry and promises a visually stunning element to the concert.
The performances serve as a prelude to AYO’s highly anticipated European tour later in the year, led by maestro David Robertson, formerly of the New York Philharmonic.
WHERE andWHEN: The Events Centre, 20 Minchinton Street, Caloundra, on Saturday, February 15, at 3pm; and Brisbane City Hall, 64 Adelaide Street, Brisbane, on Sunday, February 16, at 3pm. TICKETS: $45 adults, $40 concessions, and $25 under-26s, via ayo.com.au/ events/australian-youth-orchestra/
FOR THE DIARY: January
HERE are some dates to keep in mind this month.
• January 1 New Year’s Day; World Day of Peace (Catholic Church celebration)
• January 20 National Penguin Day
• January 21 National Hugging Day
• January 26 Australia Day
• January 29 Chinese New Year.
AVOCADO, MANGO & BACON SALAD
Ingredients:
• 8 slices shortcut GF bacon
• 2 large mangoes
• 2 medium avocados
• 2 red round radishes, thinly sliced.
Method:
1. In a non-stick pan, cook the bacon until nice and crispy.
2. Thinly slice the mango and avocado.
3. Arrange the bacon, mango and avocado on a platter.
4. This salad requires no dressing as the combination of flavours are simply amazing.
This recipe comes from the 4 Ingredients More Gluten Free Lactose Free cookbook. Buy it at 4ingredients.com.au/products/4ingredients-more-gluten-free-lactose-free for $24.99 (free postage Australia-wide).
MUSIC, SONG, FUN DANCE &
JAZZ WITH PIZZAZ
Learn fun dance routines from Fosse jazz, to modified hip hop, to musical theatre – whatever your taste, we’re sure to cover it.
MAGICAL TAP
Get your toes tapping in no time. Great for circulation and leg strength.
BEGINNERS CLASSICAL BALLET
While traditionally associated with grace, poise, and the boundless energy of youth, classical ballet has found a new audience among older individuals, proving that age is no barrier to the enchantment of this exquisite form of expression.
DRUM FOR LIFE
Find your rhythm the African Djembe Easy to learn and super-fun.
BUFF BONES®
Optimise bone density, balance & strength with this medically endorsed program. Safe for people with osteoporosis.
SING FOR LIFE
Give rein to your voice and feel the joy of singing with this inclusive group. PROGRAMS FOR THOSE LIVING WITH A DISABILITY
Art Therapy/Art/Craft • Drumming/ Percussion • Dancercise
No one is considered unable to take part, and all participants are actively assisted and encouraged to grow their abilities. And the exciting part is that they do.
A cool taste of summer. Serves 4.
HOW MUCH DO YOU NEED TO RETIRE? IT’S PROBABLY A LOT LESS THAN YOU THINK
Authors: Brendan Coates, program director, Economic Policy, Grattan Institute; and Joey Moloney, deputy program director, Housing
and Economic Security, Grattan Institute.
How much do you need to save for a comfortable retirement? It’s a big question, and you’ll often hear dire warnings you don’t have enough.
But for most Australians, it’s a lot less than you might think. You spend less in retirement Australians tend to overestimate how much they need in retirement.
Retirees don’t have work-related expenses and have more time to do things for themselves. And retirees, especially pensioners, benefit from discounts on council rates, electricity, medicines and other benefits worth thousands of dollars a year.
While housing is becoming less affordable, most retirees own their own home and have paid it off by the time they retire.
Australians who own their home spend an average of 20–25% of their income on housing while working, largely to pay the mortgage.
But that falls to just 5% among retiree homeowners, because they are just left with smaller things such as rates and insurance.
And whatever the income you need at the start of your retirement, it typically falls as you age.
Retirees tend to spend 15–20% less at age 90 than they do at age 70, after adjusting for inflation, as their health deteriorates and their discretionary spending falls.
Most of their health and aged-care costs are covered by government. So how much superannuation do you need?
Consumer group Super Consumers Australia has crunched the numbers on retiree spending and presents three robust ‘budget standards’:
• a ‘low’ standard (that is, enough for a person who wants to spend more than what 30% of retirees do)
• a ‘medium’ standard (spending more than 50% of retirees do), and
• a ‘high’ standard (more than 70%).
Crucially, these estimates account for
the significant role of the age pension in the retirement income of many Australians. The maximum age pension is now $30,000 a year for singles, and $45,000 a year for couples.
To meet Super Consumers Australia’s ‘medium’ retirement standard, a single homeowner needs to have saved only $279,000 in super by age 65 to be able to spend $41,000 a year. A couple needs only $371,000 in super between them to spend $60,000 a year.
To meet their ‘low’ standard – which still enables you to spend more than 30% of retirees – single Australians need $76,000 in super at retirement, and couples $95,000 (while also qualifying for a full age pension of $30,000 a year).
That’s provided that you own your own home (more on that later).
Ignore the super lobby’s estimates Australians should ignore the retirement standards produced by super lobby group the Association of Superannuation Funds of Australia.
Their ‘comfortable’ standard assumes retirees need an annual income of $52,085 as a single, and $73,337 as a couple.
This would require a super balance of $595,000 for a single person, and $690,000 for a couple.
But this is a standard of living most Australians don’t have before retirement.
It is higher than what 80% of single working Australians, and 70% of couples,
spend today. For most Australians, saving enough to meet the super lobby’s ‘comfortable’ standard in retirement can only come by being uncomfortable during their working life.
Most Australians are on track for a comfortable retirement
The good news is, most Australians are on track.
The federal government’s 2020 Retirement Income Review concludes most future Australian retirees can expect an adequate retirement, replacing a more-than-reasonable share of their pre-retirement earnings – more than the 65–75% benchmark nominated by the review.
Even most Australians who work part-time or have broken work histories will hit this benchmark.
Most retirees today feel more comfortable financially than younger Australians. And typically, they have enough money to sustain the same, or a higher, living standard in retirement than they had when working.
Rising mortgage debt doesn’t change this story
More Australians are retiring with mortgage debt – about 13% of over-65s had a mortgage in 2019–20, up from 4% in 2002–03.
But the government’s retirement income review found most retirees who used $100,000 of their super to pay off the
mortgage when they retire would still have an adequate retirement income.
This is, in part, because many would qualify for more age pension after using a big chunk of super to pay off the mortgage.
And retirees can get a loan via the government’s Home Equity Access Scheme to draw equity out of their home up to a maximum value of 150% of the age pension, or $45,000 a year, irrespective of how much age pension you are eligible for.
The outstanding debt accrues with interest, which the government recovers when the property is sold, or from the borrower’s estate when they die, reducing the size of the inheritance that goes to the kids.
But what about renters?
One group of Australians is not on track for a comfortable retirement: those who don’t own a home and must keep paying rent in retirement.
Nearly half of retired renters live in poverty today.
Most Australians approaching retirement own their own homes today, but fewer will do so in the future.
Among the poorest 40% of 45–54-yearolds, just 53% own their home today, down from 71% four decades ago.
But a single retiree renting a unit for $330 a week – cheaper than 80% of the one-bedroom units across all capital cities – would need an extra $200,000 in super, in addition to Commonwealth Rent Assistance (according to the government’s Money Smart Retirement Planner).
This is why raising Commonwealth Rent Assistance to help renting retirees keep a roof over their heads should be an urgent priority for the federal government.
Australians have been told for decades that they’re not saving enough for retirement.
But the vast majority of retirees today and in future are likely to be financially comfortable.
*This article first appeared in The Conversation. To read the article in full, go to theconversation.com and search for ‘how much do you need to retire’.
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A foodie
Getaway NSW HUNTER VALLEY
getaway to the Hunter Valley: Australia’s oldest wine-growing region and a staunch paddock-toplate produce champion.
Hunter Valley Wine Country – part of the Lower Hunter Region – has more than 2600ha under vine and in excess of 150 cellar doors. It takes in the areas of Pokolbin, Lovedale, Mount View, Broke, Wollombi and Cessnock and can be reached in about a two-hour drive north-west of Sydney’s CBD or an hour’s drive west of Newcastle-Port Stephens Airport.
retreat, staying amid the vines, is just so palatable
SHIRLEY SINCLAIR drinks in the atmosphere and savours the fresh produce and new flavours of Australia’s oldest wine-growing region.
My friend and I are the first customers in the world to try an effervescent new drop at this cellar door and the sheer delight goes to our heads before a drop has passed our lips.
Our Bimbadgen tasting guide, Jesse, tells us that the Sparkling Blanc De Blancs 2023 has only been brought up from the warehouse this morning.
As I raise the glass to the light, carefully swirl the precious 100 per cent chardonnay liquid on its side and inhale the fresh citrus aromas, I have a rush of memories of New Year’s Eves past and every ‘champagne’ celebration involving bubbles.
I’m not a frequent sparkling imbiber, so this Blanc De Blancs – made in the methode champenoise style – certainly wakes up the palate.
Yet it also delivers the ‘elegant finish’ promised in the tasting notes on the back of the bottle. It could just be me, but it seems to get better with every sip.
The Signature Experience at the Pokolbin winery (bimbadgen.com.au) not only offers insight into single-vineyard heroes of the Bimbadgen label but also showcases the grapes that are the hallmark of Hunter Valley winemaking.
We are part-way through the curated journey – covering nine semillon, chardonnay and shiraz vintages – when the wine tasting takes this unexpected but delightful turn toward the new Blanc De Blancs (‘white of whites’).
The celebrated shiraz (not to mention the wood-fired Mortadella pizza I want to order in the nearby Tuscan-inspired courtyard) will just have to wait.
Bimbadgen is custodian of two 50-yearold vineyards – Palmers Lane and McDonalds Road in Pokolbin – that epitomise the region’s wine and the unique terroir the grapes are grown in.
We become very familiar with Bimbadgen – its charming hospitality and relaxing facilities – during a five-day
We arrive after a 75-minute, earlymorning flight from Brisbane, with a mission to sample some of the most drinkable wines on offer, to stay within view of the vines, and to indulge in local artisan products and lip-smacking menus.
The Deck Café Lovedale’s (deckcafelovedale.com.au) Sunday brunch of eggs benedict with smoked salmon served on sourdough with a side of avocado smash, in a setting embracing its bushland location, certainly fits that bill.
So does Hunter Valley Chocolate’s (hvchocolate.com.au) scones and hot chocolate, chocolate-coated pretzels, fudge and gelato at the Broke Road factory café and showroom.
And if you dare, nearby Sabor in the
Hunter Dessert Bar (sabordessertbar.com. au) has more than 50 treats, including traditional cheesecakes, flavoured macarons and multi award-winning Portuguese Chocolate Mousse.
But it’s hard to beat the elevated dining experience offered by Esca Bimbadgen, where every table, inside and out, has a jaw-dropping view as far as the Barrington Ranges. Executive chef Rafael Martinez has created The Signature Experience: a five-course degustation menu of simple and elegant dishes, paired with six wines of distinction from Bimbadgen’s famed Hunter Valley sites.
The attention to detail is noteworthy –from the housemade butter and Bimbadgen shiraz salt to the crisp basil on the lightly fried potato gnocchi with creamy cheese, pea puree and pecorino. Roast beetroots (hummus, goats feta, candied pecan and balsamic), whiting (fennel escabeche, shishito peppers and shiso), duck breast (chicken and thyme saucisson, sweet potato and bordelaise sauce) and dark chocolate cremeux (caramel, peanut praline and nougat gelato) combine for the most memorable of lunches.
We visit several other cellar doors during our stay, with Audrey Wilkinson, Harkham and De Bortoli among our favourites, and only short drives away. But it is our visit to Emma’s Cottage on Wilderness Road at Lovedale that proves that while we are in the birthplace of Australian wine, the region does not stand still in its vinification.
Emma’s Cottage Vineyard was established in 1985, producing its first vintage just four years later.
Caloundra
IMAGES: SHIRLEY SINCLAIR
Jesse conducts The Signature Experience continued over >
The duck breast at Esca Bimbadgen
Mulpha Group, owners of Bimbadgen winery, bought the property in 2021 and added the cellar door the next year.
The Alter Wines label – the ‘alter-ego’ and sister to Bimbadgen – began in 2022, allowing a new generation of daring winemakers, under the mentorship of head winemaker Richard Done, to create modern takes on classic varietals.
One of the smallest vineyards in the region, the premium boutique wines are made from the seven different varieties of grapes grown and handpicked onsite.
Across eight offerings from the Alter Wines label in our cellar door tasting, we are introduced to a parade of quaffable, affordable drops – through NV Sparkling Blanc and Blanc De Blanc 2022 to the corked Semillon 2019 and Chardonnay 2021, into the Rarebirds Rose 2022, Shiraz Pinot Noir 2021 and corked Shiraz 2019, and the new-release Late Harvest Semillon 2023 (citrus-driven, with its honeyed character at the finish) for dessert.
The unrushed tasting ends with the fragrant Makers Gin, made in the still of the night (literally!), from the new Night Merchant Distillery (built on site at the McDonalds Road complex).
It’s smooth enough to be enjoyed neat or over ice, but I can highly recommend the Bimbadgen Signature Cocktail using the Makers Gin, soda water and grapefruit juice – complementing the juniper and 12
native botanicals, including blood orange, mountain pepperberry and fingerlime.
The tasting soon turns into a long lunch with the help of a grazing platter (the Binnorie Dairy’s Duetto creamy blend of mascarpone and gorgonzola is a stand-out), followed by a glass of the 2021 Chardonnay on the patio, sitting at a wine barrel table overlooking the lawns and bushland, spotting ’roos.
Holiday mission accomplished.
CONNECTING WITH NATURE
FROM pale cornflour blue and lilacs to searing burnt orange and fairyfloss pinks, the twilight sky above the mountains reflects into the still waters and demands a flurry of camera snaps.
The cloudy afternoon threatened a downpour that didn’t eventuate.
But you couldn’t fool the wildlife. The white-faced heron, great egret, black swan and coots knew it would be a ‘perfect’
afternoon. So did the mobs of kangaroos jumping past us towards the long grass and grapevines.
We easily lose hours, sitting on the patio of The Lane Retreat Villa 23 by the dam.
If you need a little warm hospitality and easy-going serenity, this is one of the best ways to immerse yourself in Hunter Valley Wine Country and connect with nature.
A total of 60 premium studio retreats, each designed in harmony with the natural surroundings, make up the resort that is located on one of Bimbadgen’s award-winning vineyards on Palmers Lane in Pokolbin.
The property – the Hunter Valley’s newest accommodation destination –boasts 15 hectares of secluded vineyard and natural bushland, as well as a relaxing swimming pool and outdoor deck area.
Breakfast provisions are supplied for your stay. The Lane Pantry (open 8am6pm) is a short stroll past the vines for a tea or coffee break, with a selection of local wines, gourmet treats and gifts including homewares and décor found in the villas.
Guests staying at The Lane Retreat can book free return transfers to Bimbadgen Cellar Door, Esca Restaurant, the Pizzeria or Emma’s Cottage so they can enjoy that extra glass of wine, guilt-free.
* The writer was a guest of Bimbadgen.
Visit thelaneretreat.com.au
GETTING THERE:
Jetstar, Virgin Australia and Qantas fly between Brisbane and NewcastlePort Stephens Airport daily. The flying time is about an hour and 15 minutes.
PLAY:
Harrigan’s Hunter Valley (Irish pub): 2090 Broke Road, Pokolbin, harriganshuntervalley.com.au
Hunter Valley Gardens: 2090 Broke Road, Pokolbin, huntervalleygardens.com.au
FEBRUARY 2025
Border Ranges / Lions Road / Scenic Rim (3 Days)
Brisbane Sights at the Star Casino (3 Days)
MARCH 2025
O’Reillys (4 Days)
Carnarvon & Wallaroo #1 (8 Days)
South Burnett - Darling Downs (4 Days)
APRIL 2025
Norfolk Island (8 Days)
Alpine High Country to Murray Delta (12 Days)
Easter on the Gold Coast (5 Days)
MAY 2025
Red Centre to Top End (18 Days)
JUNE 2025
South-West Queensland Outback Loop (12 Days)
Lightning Ridge (7 Days)
JULY 2025
Broome to Darwin (11 Days)
Carnarvon & Wallaroo #2 (8 Days)
Christmas in July - Mystery location (3 Days)
AUGUST 2025
North Queensland Savannah (12 Days)
SEPTEMBER 2025
Fraser Island Whale Watch (4 Days)
Toowoomba Carnival of Flowers (4 Days)
Flinders Ranges (11 Days)
OCTOBER 2025
Murray Princess & Kangaroo Island (11 Days)
NOVEMBER 2025
Tasmania (15 Days)
O’Reillys (4 Days)
The Lane Retreat
SIGNATURE DAY TOURS
Thursday 20th February
SUNSHINE COAST HINTERLAND
Morning tea & free time in Monteville – Kenilworth Cheese Factory then lunch at the Kenilworth Hotel. Lunch is included but Morning Tea at own expense
Tuesday 18th March
CLASSIC CALOUNDRA CRUISE
Depart from Pelican Beach Marina – 1 hour 20 minute cruise. Arriving back for lunch at the tavern. Scenic drive around Caloundra before returning to Brisbane. Morning Tea, Lunch & Cruise included.
Thursday 24th April
WOONGAROO WINERY
Travelling via Caboolture we visit Woongaroo Winery before stopping at the Tarampa Hotel for Lunch. Return to Brisbane via the Centenary Highway. Morning Tea, Wine Tasting & Lunch included.
Tuesday 20th May
SUMMERLAND CAMEL FARM
Travelling through the Scenic Rim to see all the products from a camel farm before lunch at the Dugandan Hotel near Boonah. Morning Tea, Farm admission & Lunch included.
Tuesday 24th June
IPSWICH MULGOWIE & LOCKYER VALLEY
Morning tea in Ipswich then heading west via Grandchester to the quaint little pub at Mulgowie. Returning via Laidley on Darren Lockyer Way to Brisbane. Morning Tea & Lunch included.
Tuesday 22nd & Thursday 24th July
CHRISTMAS IN JULY
We return to St Bernard’s Hotel in Tamborine for that special annual lunch function in winter time. Morning tea and Lunch included.
Tuesday 19th August
COASTAL TOURING & LUNCH AT HARRIGAN’S
Today we tour the coastline from Wynnum to Jacob’s Well with views of Moreton Bay to our lunch stop at Harrigan’s Irish Hotel. Morning Tea and Lunch included.
Mon. 22nd, Wed. 24th, Fri. 26th September
TOOWOOMBA CARNIVAL OF FLOWERS
Join us for the 76th year of the celebration of Spring and enjoy all the colours of the parks & gardens in The Garden City. Highlights are Picnic Point, Laurel Bank Gardens and Queens Park. Morning Tea & lunch included.
Thursday 23rd October
HINZE DAM & MURWILLUMBAH
A country drive via Hinze Dam to Northern NSW where we enjoy lunch at the Murwillimbah RSL. A stop at Yatala Pies on the way home. Morning Tea and Lunch included.
Tuesday 18th November
EUMUNDI MARKETS
Tuesday 9th December
LADY BRISBANE CRUISE
Time to think about Christmas gifts again and Eumundi is the best place to look. We travel straight up to Eumundi and back with maximum time to browse. Morning Tea provided but Lunch at own expense $95
Join us for an end of year 3 hour luncheon cruise along the Brisbane River aboard the historic MV Lady Brisbane. See all the changes along the shoreline and how our city has grown in recent years. Special pickup times apply today. Buffet BBQ Lunch and Cruise included.
For convenience, we offer a variety of pick-up locations primarily on the northside of Brisbane, specifically the Redcliffe and Sandgate areas. We also serve Taigum and Aspley Hypermarket Shopping Centres, making it easier for our passengers to access our services. Additionally, we provide pick-ups at the Eternal Flame in Ann Street, City, and, on tours heading south, we include Palmdale Shopping Centre for added convenience.
Dates and itineraries are subject to change due to unforeseen circumstances that are out of our control.
REV UP YOUR ROAD TRIP PLANS IN THE TERRITORY
THE Northern Territory offers a wide range of unique drive experiences off-the-beaten path. Discover everything from World Heritage sites, native wildlife and sacred wonders to pristine landscapes, diverse Aboriginal cultures, world-class fishing and state-of-the-art light shows.
From quick getaways lasting two to five days to extended 4WD and campervan adventures of 10 days or more, you’ll find sealed and off-road routes through destinations such as Uluru, Kings Canyon, Alice Springs, Darwin, Katherine, Kakadu, Arnhem Land and Tennant Creek.
SHORT
DRIVES (2-4 DAYS)
Greater Litchfield loop (3-4 days): Buckle up for an unforgettable Top End adventure with the Greater Litchfield Loop: a road trip rich with stunning landscapes and quintessential Aussie culture. Start in Darwin, then visit the historic town of
Batchelor, Litchfield National Park, and fishing hotspot Dundee Beach. Swim at Litchfield’s crystal-clear Florence Falls, Buley Rockhole and Wangi Falls; marvel at magnetic termite mounds; and try your luck catching a Million Dollar Fish. Along the way, check out quirky Aussie pubs such as Adelaide River Inn, Berry Springs Tavern and Humpy Doo Hotel.
Kakadu (4 days): From Darwin, drive to Jabiru and visit the Marrawuddi Arts & Culture Centre before croc-spotting at Cahill’s Crossing and catching sunset at ancient Aboriginal rock art site Ubirr. Start Day 2 with a magical sunrise at Nawurlandja Lookout, followed by a guided Aboriginal cultural tour and wildlife-rich Yellow Water Cruise. On Day 3, hit the trails to Maguk or Jim Jim Falls (seasonal) and relax at Cooinda’s luxe Yellow Water Villas or laid-back campground. Finish up with a scenic drive back to Darwin via Pine Creek, Adelaide River and Berry Springs.
Katherine and Nitmiluk (4 days): Drive from Darwin to Katherine, stopping by the Lazy Lizard Tavern before taking a soothing dip at Katherine Hot Springs. Camp under the stars at Gorge View Bush Retreat, then spend the day at Nitmiluk National Park kayaking gorges, experiencing Aboriginal culture and dining aboard a sunset cruise. Begin Day 3
“The Five Golden Stans”
On Tour
with sunrise at Baruwei Lookout, then head to Elsey National Park to bathe in the turquoise waters of Bitter Springs and Mataranka thermal pools. Finish your adventure with a cosy stay at Mataranka Homestead and a refreshing swim at Leliyn (Edith Falls) en route to Darwin.
Alice Springs (4 days): Begin your trip with a short drive to Simpsons Gap, where sunset transforms cliffs into glowing masterpieces. Afterwards, dine at the iconic Hanuman and unwind at Crowne Plaza Alice Springs Lasseters, featured in The Adventures of Priscilla, Queen of the Desert. Start your next day with a sunrise hot air balloon ride, then explore the awe-inspiring Tjoritja/West MacDonnell Ranges, cooling off at Ormiston Gorge, Ellery Creek Big Hole and Glen Helen. After dark, enjoy a nocturnal wildlife tour at Alice Springs Desert Park or stargaze at Earth Sanctuary. On days 3 and 4, discover Alice’s quirky cafés, vibrant Aboriginal art centres, and lesser-known treasures such as the East MacDonnell Ranges, Rainbow Valley and Standley Chasm –Angkerle Atwatye.
EPIC
DRIVES
(5-14 DAYS)
Red Centre Way (5-6 days): Starting in Alice Springs (Mparntwe), journey through the stunning Tjoritja/West MacDonnell Ranges to Kings Canyon in the newly National Heritage-Listed Watarrka
National Park. Hike the Rim Walk or view the canyon’s grandeur by scenic helicopter. Continue to Uluru-Kata Tjuta National Park and watch Uluru’s incredible colours transform from dawn to dusk. Join an immersive Aboriginal cultural tour, dine under starry skies, or enjoy dazzling light shows: Winjiri Wiru and the new Sunrise Journeys. On the way back to Alice, visit Mount Connor and the shimmering Lake Amadeus, the NT’s largest salt lake.
Explorers Way (14 days): The Explorers Way is one of Australia’s great road trips, spanning 3000 kilometres from Adelaide to Darwin (or vice versa) through the heart of the country. Along the way, discover iconic natural wonders including Uluru,
Wangi Falls, Litchfield National Park
Kata Tjuta, Kings Canyon, the MacDonnell Ranges, Karlu Karlu/Devils Marbles, Nitmiluk and Litchfield national parks. Immerse yourself in breathtaking landscapes, from off-the-beaten track trails and dramatic rock formations to pristine water holes and kaleidoscopic sunsets. Beyond the scenery: dive into rich arts and culture; join an immersive Aboriginal cultural tour; dine under the stars; explore a diversity of art centres; enjoy cuttingedge light shows; or share a yarn at a quirky outback pub.
HIDDEN 4WD GEMS
Finke Gorge 4WD Track (1 day): Finke Gorge National Park, a hidden gem for 4WD enthusiasts, is just a handy day trip from Alice Springs. This remote park is home to the ancient Finke River (believed to be the world’s oldest), carving through dramatic gorges and rocky landscapes. The Finke Gorge 4WD Track promises adventure with rugged trails, secluded camping spots and unique Red Centre landscapes. Its star attraction, Palm Valley, dazzles with thousands of rare Red Cabbage Palms – a relic of a time when Central Australia was lush with tropical rainforests millions of years ago. The valley’s towering red cliffs, sandy riverbeds and tropical palms create an otherworldly outback oasis unlike anywhere else in Australia.
Visit northernterritory.com/drive
WHERE IN THE WORLD IS THAT?
THE Giant’s Causeway at Bushmills, in Northern Ireland’s County Antrim, is a geological phenomena of 40,000 hexagonal columns that some call the eighth wonder of the world. The geometric pavement of basalt rock, geologists say, was formed by the cooling and contracting of magma – the result of volcanic action 60 million years ago on the Eurasian Plate. The breathtaking UNESCO World Heritage Site with its velvet-green hills, tall and jagged cliffs, clear azure bays and quirky rock formations is stunningly beautiful.
•
•
•
MCG TOUR, APOLLO BAY, BALLARAT BERGONIA DISPLAY, TRAM MUSEUM, ECHUCA PADDLESTEAMER CRUISE, WARRUMBUNGLES, PARKES.
INCLUDES: Motel Accommodation, All Breakfasts and Dinners, All Admissions and Touring, Great Ocean Road, Apollo Bay, International Flower and Garden Show, MCG tour, Ballarat Botanical Garden - Bergonia Display at the Conservatory, Marble statues, Tram Museum and train ride, Echuca Murray River Paddlesteamer morning tea cruise.
HOME PICKUP AND RETURN: Brisbane, Redcliffe, Redlands, Ipswich, Gold Coast, Tweed Heads, Sunshine Coast, Caboolture.
GOOD MOBILITY REQUIRED FOR THIS TOUR.
KANGAROO ISLAND, GREAT OCEAN ROAD, ADELAIDE CITY, ADELAIDE ZOO, VICTOR HARBOUR, BAROSSA VALLEY, BROKEN HILL.
HOME PICKUP AND RETURN: Brisbane, Redcliffe, Redlands, Ipswich, Gold Coast, Tweed Heads, Sunshine Coast, Caboolture.
THE ROSE CODE
By Kate Quinn
Historical
fiction
Reviewed by Jan Kent
THOUGH not an unfamiliar subject or a newlyreleased novel, this gem is well worth reading.
This book is outstanding as an example of historical fiction, with the three main characters emerging and developing with an admirable deftness.
The place held in the history of World War II by the code breakers of Bletchley Park has been well expressed through films such as The Imitation Game and Codebreaker But what a story it is!
In 1940, three young women join the call to ‘do their bit’ for their country, which is the only commonality in their diverse and conflicting backgrounds.
Joining the maelstrom of quirky, yet brilliant minds cracking the codes which enmeshed German intelligence communication, they meet the challenges of days on end without sleep, burgeoning relationships turned on their heads and the difficulties of finding their places in male-dominated workplaces.
Moving forward to 1947 and caught up in Britain’s excitement over the Royal wedding, the women, having parted in great animosity, are drawn together to hunt down a spy. Without proof, suspecting each of their co-workers, the tension for the protagonists mounts to lead this book to be completely un-put-downable.
REVERSIBLE ERRORS
By Scott Turow Mystery/thriller
Reviewed by John Kleinschmidt
THIS book is a story of a death penalty appeal to overturn the conviction of Rommy Gandolph who has been convicted of a vicious triple murder after new evidence comes to light.
I have read many books of this genre but never one that examines the law, police investigation, prosecution and defence lawyers and the trial judge so extensively.
The novel focuses on four main characters. Arthur is the lawyer assigned the final appeal. Murial is the original and appeal prosecutor, now running for higher office. Larry is the detective who arrested Gandolph and Gillian is the disgraced state judge who originally gave the death sentence.
The great strength of this book is the moral complexity of the characters.
Scott Turow finds some good in all characters, showing that one need not be perfect to be likeable.
A WOMAN IN THE POLAR NIGHT
By Christiane Ritter Memoir
Reviewed by Annie Grossman
THE Arctic is becoming a popular tourist destination. In fact, I have recently returned from the Arctic myself. It is a part of the world which has a fascinating history, with many intrepid explorers, hunters and scientists recording their experiences through the years.
Originally released in 1938 as Eine Frau erlebt die Polarnacht, this is the true and inspiring story of Christiane Ritter who chose to join her scientist husband for a year on the island of Spitsbergen in the Arctic Circle. On arrival, she was shocked at the
small, inhospitable hut that was to be her home, as remote as any hut could possibly be.
But there were many more discomforts to come, as well as very real and terrifying dangers, as Ritter encountered polar bears, seals and long, arduous treks – often alone. Despite the harshness and perils of Spitsbergen, Ritter fell completely in love with the Arctic and its almost otherworldly beauty.
She writes: “A year in the Arctic should be compulsory for everyone. Then you will come to know what’s important in life, and what isn’t.”
SECONDS OF TERROR
By Darryl ‘Dazzler’ Lanyon, non-fiction
Reviewed by Gary Benson, Australian Poker Hall of Fame.
The Brisbane author, semi-retired Darryl Lanyon, turns 70 this month and has self-published his book. Seconds Of Terror is available from Amazon.com.au-book store and lanyondesign@bigpond.com
THIS is reputedly Australia’s first poker book focusing on tips and strategy.
With more than 300,000 Australians enjoying the game, this book is sure to be popular.
It is based upon thousands of ‘handwritten notes’ from the author playing over 35 years of winning Texas Hold’em Poker.
Unlike many other poker books, this one keeps away from long-winded hand examples and complicated charts/graphs.
The 500 pages encompass 26 easy-to-read chapters, covering more than 130,000 words. Set out in a ‘bullet point’ format, the pages share tips, strategies, poker psychology and opponent hand-reading skills.
Chapters cover tournaments and cash games, with sections focusing on bluffing, poker tells, starting hands and heads-up play.
The semi-professional poker player and author started playing in 1985 and his longevity at the tables is qualification enough to write this book.
Whether beginners or advanced, this book will give all players the knowledge, confidence and skills to be a consistent winner.
With Quizmaster Allan Blackburn
1. The word ‘cochleate’ means shaped like a: fish, snail shell or crown.
2. What unit of measurement is used for the diameter of knitting needles in Australia?
3. Which African animal is depicted on the flags of two Australian states?
4. True or false: Tasmania has no passenger train service?
5. Who was Britain’s first prime minister of Hindu faith?
6. In the advertising jingle, what “puts a rose in every cheek”?
7. What force is primarily responsible for causing tides?
8. What is the middle name of actor John Cleese?
9. Which celestial body is closest to the International Space Station?
10. How many grams are in a kilogram?
11. The name of which bat-and-ball sport is also an insect?
12. What is the 12th letter of our alphabet?
13. Red, white and black are the colours of which AFL team?
14. Who was the sporting father of Australian actor Lincoln Lewis?
15. What does the abbreviation ‘eg’ mean in English?
16. Who was the girl who soared over the Opening Ceremony of the 2000 Sydney Olympics?
17. Colloquially, what does ‘tying the knot’ mean?
18. In Australia, what is the minimum voting age?
19. What is the approximate percentage of carbon dioxide in our atmosphere: 0.04, 2.2 or 5.8?
1 Expanded detail roughly written by head of department(7)
2 Selects tools for breaking ground(5)
3 A crooked man is after time together with harmful, ferocious marsupial(9,5)
4 Flair shown in part by supermodel, a natural(4)
5 Crook accepting support by a criminal(7)
7 Shot played against Murali’s spin?(4,5)
8 Top of rivet on broken
9 Adult insider is out of tune with developed manufacturing sector(14)
15 Ring, taken from one burglar, disabled part of a weapon(3,6)
16 Signal a ball striker(3)
17 off a source of starch(7)
1 Depression hit her badly before a throat infection(10)
6 Main attraction is to begin shortly(4)
10 They are needed to tie up shoes – long ones(5)
11 A large advance endorsed by superior totally(3,4,2) 12 Italian workers’ group captured image(6)
13 Corrected a genius about God’(5,3)
a child’s pet(6)
Bunch touring in China not keeping a grand costume(8)
17 Can individual, hanging around island, name a saint?(8)
team leader(6)
21 Deplorable impostor distributed fuel(8)
22 A number of hopefuls terrorised part of Northern Island(6)
25 by one shooter(3,6)
26 scene, changed gear(5)
27 Count beheaded an associate(4)
28 Scattered debris entombing engineer and a service’s
18 Stumped by extreme speech problem(7)
20 Fools pass round shortened spanners(7)
23 Beaten attorney not given any cake(5)
24 Block line needed in projection(4)
QUICK CROSSWORD
WORD
Today’s Aim:
E I C N R R G
U R
Using the nine letters in the grid, how many words of four letters or more can you list? The centre letter must be included and each letter may only be used once. No colloquial or foreign words. No capitalised nouns, apostrophes or plural words ending in “s”.
ACROSS
1 Punches (coll)(5)
4 Star symbols used in text(9)
9 Free from faults(7)
10 Tsar’s wife(7)
11 Harvesting(7)
12 Repositories of valuable artifacts(7)
13 Stuff associated with the US(9)
15 Require(4)
17 Egyptian goddess(4)
19 Exaggerated statements(9)
22 Island in the North Atlantic(7)
25
26 Absurd(7)
27 US state(7)
28 Provider of information(9)
29 Canadian R&B singer-songwriter, – Furtado(5)
DOWN
1 Heavenly(8)
2 Bloodshed(7)
3 Precise details(9)
4 Signature(9)
5 Tribal symbol(5)
6 Highways(5)
7 paroxysm(7)
8 Scanty(6)
14 Fruit dessert(5,4)
15 Oslo resident(9)
16 Post-secondary(8)
18 Local law enforcer(7)
20 Hot(2,1,4)
21 Brief swimming costume(6)
23 Succeeding(5)
24 Russian country cottage(5)
15 words: Good
21 words: Very good
27+ words: Excellent
Every row, column and 3x3 outlined square must contain the numbers 1 to 9 once each.
Easy
WORD STEP
Complete the list by changing one letter at a time to create a new word at each step. One possible answer shown below.
