50 Something Magazine - Mar / Apr / May 2019 by National Seniors Australia

MAR | APR | MAY 2019

Election Special Your guide to 2019

Feeding the masses OzHarvest founder wages war on food waste

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Royal Commission We put your views

Respect for age Going, going or gone?

Age no barrier Masters Games partnership opens new opportunities

Going all out at 60 Milestone birthday triggers adrenaline rush

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March | April | May

UP FRONT CONTENTS

UP FRONT 5

Editor’s message

Letters

10 CEO's Royal Commission Update

NEWS 12 Election Special: Chief Advocate Ian Henschke provides a guide to the expected May poll and what National Seniors is seeking on behalf of members. 18 Aged Care Royal Commission: Ian Henshcke writes about the issues in the spotlight. 20 Feature – Respect for age: National Seniors research indicates that if it hasn’t already gone,

it’s certainly going. 22 Age no barrier: Masters Games partnership opens new opportunities for healthy ageing.

LIFE 24 Feature – Feeding the masses: Ronni Kahn,

founder of Australia’s leading food rescue organisation, is waging a new war on waste. 26 Legal – Beware who you believe. 28 Logging on to your NSA account 29 Technology – Making a connection. 30 On the road – Rural driving takes heavy toll.

TRAVEL 32 Croatia’s day in the sun: As one of Europe’s sunniest destinations and with a history dating from Roman times, Croatia is proving a crowd-puller. 36 Venture outback: The journey from Longreach to Mt Isa is one of history, harsh yet beautiful landscapes and friendly locals.

TIME OUT 40 Feature – Going all out at 60: Semi-retired teacher Chris Chapman has planned a series of adrenalin-rush activities to mark a milestone birthday. 42 Members Save & Win: Special offers and competitions. 46 Movies 47 Books 48 Members satisfaction survey 49 What’s on 50 Puzzles

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The big changes coming from April 1 Thanks to the upcoming private health insurance reforms, there are a lot of positive changes about to be rolled out from 1 April 2019. So, what are the key changes that will impact you?

Standardised clinical categories A series of standardised clinical categories will make it easier for you to know what different insurance products do and don’t cover. For example, if you’re covered for ‘Ear, nose and throat’ under one health fund’s product, you’ll also be covered for the same Medicare Benefits Schedule item numbers if you select ‘Ear, nose and throat’ with another health fund.

Easier to understand product tiers All private health insurers will categorise their hospital cover products into easy to understand Gold, Silver, Bronze and Basic tiers that reflect the level of cover they provide. This means that all policies within a certain tier have to meet a minimum standard in terms of the benefits they provide. So you’ll be able to review products more easily.

Health insurance that’s easier We believe the reforms will make health insurance even better and easier to understand for our members. Which means you can focus on finding the health cover that suits your needs. Plus, as a National Seniors member you can take advantage of a special offer when you join any combined nib Hospital and Extras cover! 6% ongoing discount on your premiums when you pay by direct debit from a cheque or savings account^. Receive 30 days of health cover on nib after making the first payment on your new policy*.

Call now on 1300 50 50 96 or visit nationalseniors.com.au/nib nib health insurance is promoted by National Seniors Australia Ltd ABN 89 050 523 003 as an authorised representative of nib health funds limited ABN 83 000 124 381. Offer applies to National Seniors Australia members only. ^The 6% discount on your premium excludes any Lifetime Health Cover loading and only applies to direct debit payment from a cheque or savings account, excludes direct debit from a credit card account. *You must have made a payment and served your 30 day cooling off period and nib will pay for the next 30 days of your premium. 30 days on nib offer excludes existing nib members. Not available in conjunction with any other offer. ~Any benefit limits already used with current fund will apply to your new nib policy. Waiting periods apply for services not currently covered. Conditions apply, please call 1300 50 50 96 or visit nationalseniors.com.au. Offer nib389201_0219 may be changed or terminated at any time.

March | April | May

EDITOR

Editor’s message This edition of 50No. Something Release 5496 is designed to keep you informed about issues of critical importance to mature-age Australians. 5 6 7 8 9

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UP FRONT

12 15 17 20

26 28

32 Lynda Schekoske Editor 36 37

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We continue our coverage of this landmark inquiry on page 20, with a report from our Chief Advocate Ian Henschke, who has attended the Commission hearings several times since they started to hear firsthand what’s being said.

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onDAI029 page 10, along with how you can voice your concerns to the Royal Commission.

first is the federal election, which Prime Minister Scott Morrison has said will follow the budget on 13 14 2 April. He pulled the budget forward a month (it’s 16 usually held early May) “ahead of going to the polls”. For a variety of constitutional reasons, the election 22 23 11 or 24 18 May, although a date is yet is expected on to 27 be announced.

Ian discusses one of the key issues raised very early and consistently - staffing of aged and home care, particularly staffing ratios that professional groups representing nurses, doctors, and specialist geriatricians have argued are essential to ensure older Australians receive safe and best practice care.

We’ve put a six-page Election Special, 30 together 31 which begins34on page 35 12. Seniors’ issues are already front and centre of this poll, and you can 38 make a difference in a variety of ways. We urge you 40 41 to become involved, and stay in touch with what’s 44 happening through our dedicated web pages at www.nationalseniors.com.au/FederalElection2019.

We’re offering you the opportunity to voice your views about this issue through on online poll at www.nationalseniors.com.au/StaffRatios-Poll. In this bumper election special issue, we’re also launching a new partnership with this year’s Australian Masters Games, and more broadly, the Confederation of Sport (CAS).

48 most, if not all, of our readers will have I’m sure some personal experience of aged care, either for themselves or through their parents or other family members. Just two weeks in, the Royal 50 Trembling poplar Commission into Aged Care Quality and Safety DOWN is already throwing light on key issues that need 1 Large dish addressing. 2 Flood

ACROSS On page 22, you can read about the great Glossy fabric opportunities this partnership will offer members as a Money bag participant, coach or volunteer at this year’s masters Opened surgically games in Adelaide in October. King with Golden 3 Calm Our CEO and Research Director, Professor John Touch 4 Worship National Seniors will also be working with CAS McCallum, was among witnesses on the first day 12 Kingly 5 Likeness on joint research and advocacy that will benefit of the hearings and put the case for mandatory 13 Colour 6 No score you, along with the activities that you enjoy at the training for home and residential care 15 Dry inflammable mat- dementia 7 Hanger-on ter 8 Consumer community level. workers. He also argued for a change in the way 16 Conditional release Make more loved the9 government ‘drip-feeds’ funding for the aged Finally, National Seniors has launched its own credit 17 Retributive justice 14 Soft feathers care the urgent need to address card that offers members and their families low 19 Efface 16 sector, Locationstressing of Leaning the 126,000 22 Wrongdoer Tower strong waiting list for home care. fees, low interest and security. Call our team on 25 Mechanical repetition You 18 can Worth read John’s report in the CEO’s Update 1300 76 50 50 if you’d like to know more .■ 26 Official copy of will 20 Bird 28 Curve 21 Inward feeling 30 Celtic tongue 23 Courage 32 Family members 24 Happening 34 Outlet 27 Headwear Publisher Advertising 36 Lay out for profit 29 Administer Editor National Seniors Australia 38 Insignificant 31 EnvironmentsLynda Schekoske 3989Artist’s mixing 33 Heavenly body l.schekoske@nationalseniors.com.au advertising@nationalseniors.com.au ABN 050 523 003 board ISSN 1835–5404 42 Arachnid 35 Oppressors National Office 44 Quinsy 36 Maintain persistently 4518, Sister 37 Conceited Level 215 Adelaide Street, Brisbane Q 4000 Phone: 07 3233 9191 Fax: 07 3211 9339 Web: nationalseniors.com.au 46 Acquire knowledge 38 Long narrow flag National Seniors Australia [NSA] accepts no responsibility for the accuracy or completeness of any material herein and recommends readers exercise their own skill and care with respect to the 47 Grey 40 Makes level contents of the magazine. The magazine contains views and or recommendations which do not necessarily reflect the views of NSA or its commitment to a particular course of action. A reference 48 Piece of armour for 41 Lightinshield to a particular person, product, organisation or service an advertisement or elsewhere in the magazine in no way implies any form of endorsement by NSA of that person, organisation, product or service. NSA law all liability for claims, losses, expenses, damages and costs the reader may incur as a result of, or associated with, the use of the information thedisclaims throat to the extent permitted 43byTwo-fold contained herein for any whatsoever.46 The Meadow publisher reserves the right to accept or reject any advertising or editorial matter. No part of this magazine may be reproduced, reprinted or 49 Delicate silkreason network otherwise duplicated without written permission of the publisher. fabric 3 7 10 11

Puzzle solutions Crossword

P L A T T E R

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Solution to No. 5496 I N U N D A T E

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A T I N P D M I D A O Y A L R R G P A E M E S I S E S I P R O B A T I E E S T E R S T E P A L E T T E R V A N L E A R N H E N G O A S P E N

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UP FRONT

50 Something

LETTERS

Letters A sign of the times …

Tracing family history

Towards the end of last year, I moved four hours north to be nearer family. After almost 50 years in my home this was an enormous task and all the exterior signs of the big move were evident. Estate agents coming and going, rubbish on the footpath for a council pick-up, and friends and family members taking items away. Our street used to have its own community with a mixture of nationalities, and it was nothing unusual to see family members walking up and down in their pyjamas or perhaps clutching a basket of washing (“Mum, my machine is on the blink”) or casseroles of some description. The street matriarch was ‘Nonna’, who lived opposite me and made the best pizzas, and when kids were invited to partake she always had words of wisdom to impart. Gates in fences connected houses and everyone took in each other’s bins if someone wasn’t home come nightfall. As the years rolled on, children grew up and moved elsewhere, oldies went into care and some passed away. Old comfy houses were demolished to make way for boring ‘McMansions’, in some cases two to a block. So, finally my big day arrived when the enormous removalist truck rolled up my driveway. And when it was all done and time to depart, I drove my car down my driveway for the last time feeling rather sad that not one single person in the street had come to say goodbye. As I turned the corner in my car I didn’t look back… but instead I thought of all the love that awaited me. M. Stransky Nelson Bay, NSW

I enjoyed your story about Charlotte Plains (50 Something Dec/Jan/Feb 19). My grandfather John Murdoch McDonald was born there on 16 June 1885, his father being Angus McDonald. I have been trying to find information on Peter and Archibald McDonald who are buried there, but (I’m) not sure if they are related. My mother May Elizabeth Erin McDonald was born in Cunnamulla. Thanks for the wonderful article which will now stay with our family history. D. Jesser Stafford, QLD

Clean up labels I’m sure I’m not the only person who doesn’t wear my glasses in the shower! So, why is it that manufacturers of body wash, shampoo and hair conditioner persist in putting the most important consumer information on their product labels in print that is too small and/or too pale for their glasses-wearing customers to read when using them... in the shower? This issue doesn’t just affect those of us whose eyesight is declining with age, but every vision-impaired person, including the legally blind, who need labels in braille. It also extends to the miniscule font typically used for ingredients on the labels on all household and food products that are often difficult to read, even when using glasses, to check for potential allergens or ingredients. Lynne Johnstone Shell Cove, NSW

Don’t forget to remember Ken Wright’s words (50 Something Dec/Jan/Feb 19) resonated with my experience: “It’s important to pass your

experiences on to future generations...” Recently I attended a memorial service for 95-year-old Enid. The eulogy given by her son was moving and illuminating. Enid was a woman ahead of her time. Born in Lismore, she attended university, set up libraries, worked in several capital cities and in America. She divorced her husband in an era when such was extremely difficult, almost unheard of, for a woman. Sadly, we often only learn of our friends’ full life during the eulogy. A life can only be understood within the context of that era’s society. And we know how much society has changed. So, I am now writing my own eulogy. Y. Hurst MacGregor, QLD

Technology not easy for all Good on you, Micky Mullins, for refusing to accept that age is a barrier to participation in the digital revolution (50 Something Dec/Jan/Feb 19). At the age of 97 he has surrounded himself with tech products that he clearly understands and enjoys. But not all of us are so fortunate to have his keen interest in the tech world. We read enough about viruses, malware, phishing, and the like, not to mention the costs of a computer, a printer, printer ink, an internet connection, software, and so on, to make some of us think twice about embarking on the digital journey. And to begin that journey, the article tells us all we must do is to log on, type in a link and click on it. But is that really the first step? It may be for some people who already have a connected computer, but definitely not for all. Hans Broweleit Glenelg, SA

Write to us Write one of next issue’s best letters to win a JBL Link 20 voice-activated portable speaker with Wi-Fi and Bluetooth® that delivers rich stereo sound. It has a built-in Google Assistant always ready to help. You can ask it questions and tell it to do things. The more you use it, the more useful it becomes. Just start with

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UP FRONT

50 Something

CEO UPDATE

CEO’s Update As this edition of 50 Something goes to print, the Royal Commission into Aged Care Quality and Safety is in its second week of hearings in Adelaide. Already, the Commission has heard from representatives of advocacy groups; aged care providers; government departments and regulators; professional groups and unions; and family members of aged care residents. It opened, appropriately, with evidence from the woman who blew the whistle on abuse of dementia patients at Adelaide’s infamous Oakden nursing home. Prof. John McCallum National Seniors CEO

Did you know?  Dementia is the second leading cause of death among Australians, with more than 430,000 living with the various forms of the illness. That figure is expected to rise to close to 600,000 by 2028 and 1.1 million by 2058.  126,000 people are waiting for home care packages. National Seniors is calling for an immediate injection of government funding to eliminate this waiting list.

Barbara Spriggs’ husband Bob died in 2016 after being mistreated and overmedicated at Oakden. She questioned why her concerns were downplayed or ignored for so long.

shockingly – aged care workers in Australia are not required to be trained in the disease or in caring for people with it. Based on your statements in our research last year, National Seniors called for mandatory dementia training for all aged care workers. This abuse will continue if there isn’t better understanding of dementia. We have the means to prevent this happening, and to make life much better for care recipients – and caregivers. So, it’s high time to make this training compulsory. Training will lift the professionalism of the aged care workforce by delivering the skills and understanding necessary to provide quality care and improve the experiences of people in care and their carers.

Dementia is the second leading cause of death among Australians

National Seniors wasn’t alone in its calls for mandatory dementia education for aged care workers, with Dementia Australia CEO Maree McCabe also telling the commission it was a necessity.

Mr Spriggs was reportedly given 10 times the amount of his prescribed medication and left with unexplained bruises while staying at the Oakden nursing home.

“Aged care is complex, and this Royal Commission is a once-in-a-generation opportunity to transform the industry to make a profound and lasting difference to the lives of all people impacted by dementia, she said.

“

”

I was a witness on day one of the hearings and informed the Commission about the cases you had reported to us. We’ve been told about some dreadful examples of older and frail aged care residents with dementia being physically abused by care workers who clearly have no idea how to respond to what they believe is ‘bad behaviour’. I stressed that dementia is the second leading cause of death among Australians and requires specialist care. But surprisingly – or perhaps

Again, based on what you told us in our surveys, I also stressed the urgent need to remove the 126,000 people waiting for home care packages. Finally, I raised the issue of respect for older Australians, which is a feature later in this issue. You can follow the Commission through our comments in the media and on our website nationalseniors.com.au/RoyalCommission. Our full submission to the Commission can be found at the same address. ■

Have your say The Royal Commission comes on the back of multiple enquiries, reviews and reports into aged care over the past 20 years that have failed to ensure the care older Australians deserve. It will deliver an interim report by 31 October this year, and a final report by 30 April 2020.

It has announced 15 scheduled hearing weeks between now and mid-December, in all capital cities and a number of regional locations. The location of each hearing will be announced progressively on the Royal Commission website during the year as arrangements are finalised. Community forums will be another way that members of the public can engage

with the commission. The first two forums have been announced for 1 March 2019 at Bankstown Sports Club and 5 March at Bendigo Town Hall. Full details about the commission hearings and forums, and how to make a submission, are available at https:// agedcare.royalcommission.gov.au.

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NEWS

50 Something

ELECTION 2019

Election Special We have worked hard and saved for our self-funded retirement, only to see the goal Seniors’ issues are front and centre in this federal election and older Australians will be posts moved decisive in who wins government. As a senior, what can you do tocontinually. make a difference?

Your guide to 2019

And how is your National Seniors putting you first? Here’s Chief Advocate Ian Henschke. For older Australians this is an election like few before it.

840,000

If you believe the government, the usual frenzy of speculation about when we will head to the polls no longer applies. Don’t you worry about that! Well, not until mid to late May, which is when the Prime Minister has promised we can exercise our democratic duties, after he brings down the budget. Labor is pretty much saying “bring it on” as Bill Shorten and Scott Morrison have been engaging in a not-too-phoney election campaign since Christmas. The leaders continue to bump into each other in marginal seats around the country while announcing policies. The joke goes, “Do you ever get the feeling the only reason we have elections is to find out if the polls were right?” At the time of writing, Labor is ahead in the polls and has been for many months. But the Coalition is narrowing the gap. Whether over-confidence or a demonstration of policy transparency, Labor has been releasing policies well ahead of the election campaign. In few other recent elections have policy issues affecting seniors been announced so early and continued to fuel news headlines and public debate. The Coalition has joined in, if only to stand opposed to what Labor wants. For starters there is aged care, retirement planning and financial services, including superannuation, negative gearing, capital gains, franking credit refunds, the Age Pension, health and energy policy.

Taxing matters Labor appears to be unafraid of scrutiny and has been promoting a radical taxraising policy platform that will significantly impact retirement income and financial planning. Policy initiatives include ending cash refunds on share dividends for investors who don’t pay tax; reforms to

Estimated number of self-funded retirees who would be affected by scrapping franking credit refunds

negative gearing, the capital gains tax discount, superannuation concessions, and discretionary trusts; and capping deductions for managing tax affairs. Your opposition to the proposed franking credits reform has been fiery and so,

“

Your opposition to franking credits reform has been fiery and so, too, your frustration about meddling with retirement planning.

”

parties and, importantly, independents to drop the policy. Unsurprisingly, the Coalition has ramped up its campaigning against Labor’s tax reforms, so far preferring to oppose, raise alarms and stand on its economic record than put its own initiatives out there.

Marginals rule OK Many federal electorates are extremely marginal, requiring only a small swing in votes to change hands. This puts significant opportunity, and potentially power, in the hands of senior Australians fighting for what they believe. You can make a real difference.

too, your justifiable frustration directed at all parties for constantly meddling with retirement planning: cutting income from superannuation; the Age Pension; and other investments.

All candidates would be wise to know that older Australians cannot be ignored and may well determine their future, given almost half the voting population is aged over 50.

National Seniors, in partnership with other advocacy groups, has told Labor to back off and to keep franking credit cash refunds if they win the election. The pressure we applied when the policy was first announced helped convince Labor to exempt pensioners. There is a long way to go before any Labor government will legislate the reform, and National Seniors will continue to press all

The rise of independents is a feature of contemporary Australian politics and this federal election even more candidates will not be members of the major parties. How successful they will be is yet to be seen but polls, including the Wentworth byelection win by independent Dr Kerryn Phelps, points to independents having an even greater influence in federal parliament.

National Seniors Australia

March | April | May

NEWS ELECTION 2019

National Seniors is targeting candidates in marginal seats, including independents. For some time, we have been proactively campaigning to influence the parties as they develop and refine their policies. Later in this feature you can read about each of our election policies and how you and your National Seniors branch can join the campaigning at a local level.

The election and that royal commission Aged care is a ground zero electoral issue for all candidates: electors will judge the parties and candidates on what they are going to do to fix the mess. Across the country we all have lived aged care system experiences – as residents, consumers or friends and families. Even before the Royal Commission into Aged Care Quality and Safety began, the failings and horrors, especially in residential care, highlighted the infringement of basic human rights and responsibilities, putting profits before the standard of care we expect for vulnerable people, including

nationalseniors.com.au

ourselves as we age closer to that phase of our lives.

The good fight Better aged care is one of the priorities you have told us you want us to fight for at this election. That and a suite of seniors’ priorities is outlined in this special feature. These initiatives form the basis of our communications to candidates encouraging them to support us in parliament and get the job done to better support older Australians. They also reflect the priorities in our Budget Submission to the federal government. You have told us that pension poverty needs fixing by taking the politics out of the Age Pension, ensuring better dental health care and helping older renters. Better age care means increasing the number of home care packages and staffing in residential homes, and ensuring mandatory dementia care training for staff. Retirement income means retaining franking credit refunds and reducing the

Age Pension means test. Low-income seniors need cost of living support especially with energy affordability. Better housing comes by exempting up to $250,000 of home sale proceeds from the Age Pension means test. Let’s have better government services and cut those long Centrelink waiting times. Health costs can be cut with lower specialists’ fees and linking private insurance premium rises to CPI. National Seniors acknowledges Labor’s pledge to freeze premiums to 2%. We are not just saying to candidates ‘here’s a bunch of problems, fix them’. Read about the solutions on pages 14 and 15. National Seniors is your election voice. So, please connect with us as we fight for what you have told us you want. As American critic and commentator Alexander Woollcott observed: “I'm tired of hearing it said that democracy doesn't work. Of course, it doesn't work. We are supposed to work it.” ■

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Our election priorities We are fighting for policies that create a fairer and stronger retirement system for all. These policy priorities have been sent to candidates around the nation. They now know what we want of them and we will hold them to account.

Fix pension poverty Letâ&#x20AC;&#x2122;s take the politics out of setting the Age Pension so the more than half a million people who rely on it as their sole source of income get a fair go.

Pension spending as a proportion AUSTRALIA of GPD:

4.3%

The solution: Establish an Independent Age Pension Tribunal

Many older people have not been able to buy their home and must seek shelter through the private rental market. The solution: Increase the maximum rate of Commonwealth Rent Assistance (CRA) The CRA maximum rate should be lifted to a proportion of average housing costs in specific localities and be set by the Independent Age Pension Tribunal. 2. Internet for disadvantaged senior.s The increased cost of the NBN and lack of digital literacy stop many older Australians accessing services. The solution: Provide a subsidy to connect to the NBN Subsidised access to the NBN will ensure older people are connected to essential services and information, family, friends and the community. 3. Improve dental care. The cost of dental care has been privatised, leaving behind older people on low incomes. The solution: Expand the provision of basic dental care for age pensioners A universal dental health care scheme, based on the Child Dental Benefits Scheme (CDBS), would provide pensioners without private health cover.

Aged care The failings of the aged care system are top of mind for older Australians. The number of people requiring home care packages is outstripping supply, resulting in unacceptable waiting times. Feedback

8.2%

Pension vs Rental Costs

The tribunal would work out the pension rate and any supplements based on need and circumstance. Its decisions would be accepted by the government without debate in the same way monetary policy is set by the Reserve Bank. 1. Rental assistance for seniors.

OECD AVERAGE

Single

Couple

Pension

$453.15

$690.70

Max CRA*

$67.90

$128.00

Pension + CRA*

$521.05

$818.70

Weekly rent (median)

$373

$440

Housing as % of income

71.6%

53.7%

* Commonwealth Rent Assistance

from National Seniors members highlights concerns about residential care and the number, skills, dementia training and qualifications of care staff. The solutions 1. Double the number of Level 3 and 4 home care packages. Australians want to age in their homes. Doubling the number of Level 3 and 4 home care packages would keep more seniors from being forced into residential care, which is far more costly. 2. Require aged care providers to publish staff-to-resident ratios. Providers should know the number of staff, their skills and qualifications, relative to the number of residents in their facility. This information should be published and regularly updated so consumers are better informed when choosing a home.

3. Ensure all aged care staff in directcare roles have basic dementia training. Trained and qualified staff would better manage dementia symptoms and help ease the high incidence of conflict in residential facilities.

Improve retirement incomes Australians want a retirement system that encourages self-reliance and doesnâ&#x20AC;&#x2122;t punish them by changing rules or for saving for their retirement. Self-funded retirees, many of whom do not have significant incomes, are tired of being targeted as a source of revenue by government. They face potential loss of income at the stroke of pen if franking credit refunds are withdrawn. Some will fall back on the pension.

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Retirees should not be unfairly penalised for saving for their retirement. In 2017, around 90,000 older Australians lost access to the pension through changes to the asset test and taper rate. The change in the taper rate from $1.50 to $3.00 per $1,000 of assets has undermined the value of saving for retirement. Retirees close to the cut-off for the pension are now paying a wealth tax because their assets are not able to earn as much as what they lose in pension. This creates a disincentive to save enough to be self-funded and encourages people to spend to achieve the pension.

Downsizing

who don’t want to downsize would consider doing so if the extra money did not affect their pension.

Pensioners should be able to boost their income by downsizing without jeopardising their pension. Our research shows that many older people want to downsize their home, but the impact on their pension, combined with the cost of stamp duty and moving, is a major barrier. Many would benefit from downsizing because they live in housing that is inappropriate for their needs and difficult and expensive to maintain. The solutions 1. Retain access to franking credits for self-funded retirees. All self-funded retirees want is to be treated fairly. We call on all political parties and independent candidates to reject the proposal to strip self-funded retirees of franking credit refunds. 2. Reduce the asset test taper rate from $3.00 to $2.00. Reducing the taper rate to $2.00 will make it more attractive for people to save for retirement. It also will remove the strong incentive to spend money just to get the Age Pension and its benefits, reducing government spending in the long term. 3. Exempt up to $250,000 of home sale proceeds from the Age Pension means test. Encouraging downsizing will have multiple economic and social benefits. It will unlock large sums of wealth tied up in family homes, increase retirement incomes, boost the construction of new housing, free up older stock, and improve health and wellbeing outcomes for older people.

Health costs Spiralling out-of-pocket health care costs are the biggest concern of older Australians. Costs are rising far above inflation, fuelled by rising health insurance, private specialist services and a lack of transparency in the market. People on low

1in5

older Australians

2015 – 16

50% less than

of men aged 60–64 at retirement had

$110,000

in superannuation

85%

50% less than

of women aged 60–64 at retirement had

$36,000

in superannuation

GP bulk billing rate

$79.95

30%

Specialist bulk billing rate

Average patient contribution for a specialist attendance (2017-18)

66%

Rise in health premiums in the past 10 years

$315 VS

22%

AMA listed fee

Rise in CPI

$150

Medicare Benefits Schedule Fee

*Initial consultation with a specialist (2015)

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and fixed incomes are particularly hard hit.

2016â&#x20AC;&#x201C;17

Average household energy bill

The solutions

$1,636

22.3%

Supplement

$365

Supplement as portion of bill

2025â&#x20AC;&#x201C;26

Average household energy bill

$3,090

11.8% Supplement as portion of bill

Supplement nt

$365

1. Require all specialists to publish fees on a public register, and all GPs to make patients aware of choice when referring to a specialist. Comparing and understanding medical specialist fees for hospital and other services is difficult for most consumers. Greater choice in accessing specialists would enable consumers to shop around for the most suitable service and help drive costs down. This can be done by publishing all specialists' fees and requiring GPs to inform patients they have a choice of specialists' rather than just their recommendation. 2. Restrict health insurance premium increases to no more than CPI. This would put downward pressure on the major driver of escalating out-ofpocket health costs, stem the departure of policy holders, and encourage insurers to develop products that offer better value for money and attract people back to the private insurance market.

Energy costs

36.3 23

million unanswered calls to

minutes

average waiting time for the Older Australians line

Centrelink 2017â&#x20AC;&#x201C;2018 16

42.5% People dissatisfied with the Centrelink experience

Energy prices have been increasing at rates far above inflation over the past 10 years, hitting all consumers hard, but especially those on low incomes. Pensioners should be able to keep warm in winter and cool in summer, without having to sacrifice other essentials, such as food, clothing and shelter. The government has not done enough to put downward pressure on prices or upgrade existing compensation for pensioners in the form of the Energy Supplement. The solution 1. Reinstate indexation of the Energy Supplement. Without indexation, the value of the supplement will continue to diminish over time. The federal government should assist pensioners by indexing the Energy Supplement in line with the energy component of CPI. This will help lowincome households meet rising energy cost and encourage governments to keep energy prices stable.

Centrelink waiting times Excessive wait times for essential services such as Centrelink are unacceptable and cause significant problems for older Australians, who need access to government services other than going online.

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2% 14%

The solution

1. Cut Centrelink telephone waiting times and reduce Age Pension processing times. Adequate funding is required to ensure that Centrelink can service customers’ needs in a timely manner. The government must ensure call waiting and processing times for Centrelink meet community expectations.

Elder abuse The most common form of abuse experienced by older Autralians relates to their finances. It is often implicated in other forms of abuse, such as physical and emotional abuse and neglect.

Proportion of older people estimated to have experienced financial elder abuse in a given year

(the incidence of neglect is potentially higher) Financial abuse can occur because older people do not have access to the tools to protect themselves. The solution 1. Expedite efforts to create nationally consistent Powers of Attorney legislation and a single national POA register. A lack of consistency between states and territories is undermining legal protections for older Australians. Powers of Attorney documents can be used to appoint a trusted person to manage the financial affairs of someone not able to do so on their own. Creating nationally consistent legislation with stronger protections against misuse and a national register will increase safeguards for seniors. ■

Branches stepping up National Seniors branches can play a big part in making sure the political parties know what older Australians want. Here’s how. National Seniors has developed a special information pack that makes it easy for our national network of branches to directly lobby the parties and candidates. The 2019 Branch Federal Election Kit contains practical information and advocacy materials. These resources, some of which are designed for branches to tailor and distribute directly to candidates, will be on our website www. nationalseniors.com.au/election2019. We will be in touch soon to see if you want a hard copy. What’s in the kit? • National Seniors election policies (also summarised in this feature and the full version will be posted on our website). • Election ‘postcards’ for mailing to key influential people and organisations in

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local electorates. There is a postcard for each National Seniors policy initiative, so you can send out the ones that are most important to you. • A guide to holding an election forum. Branches who have held local electorate public meetings or forums at previous elections say it is a powerful way to help members and the community hear directly from, and question, local candidates. This simple ‘how to’ guide provides practical information, including an event checklist, when and where to hold the forum, program of events and speakers, how to moderate the event, and a draft statement for local media. For more information, visit www.nationalseniors.com.au/ FederalElection2019.

Member election matters Be the change you want to see. It is an inspirational saying that may be an oldie but nevertheless remains a goldie. National Seniors is resourcing members to play an active part in pushing for the changes we want in this election. Our plan is to make sure candidates are left in no doubt about the importance older Australians are playing in the election, in making a better Australia, and in the success or otherwise of their own run for political office. To keep you informed, we are building a special Federal Election webpage on our website (www.nationalseniors. com.au/FederalElection2019) where you will find our policies, resources and news and information about the election. In the lead-up to the election we are distributing copies of our 2019 election policies to MPs, candidates and the political parties. They will be available on our election webpage, which will be published in early March, and a summary is included in this feature. In addition, we encourage you to mail candidates personal letters explaining our policy initiatives. Those letters will soon be available online. National Seniors branches have a big role to play. We are supporting them to hold public meetings where local candidates can be questioned. More information about this can be found in a separate article in this feature. Of course, we will keep you and other Australians informed by talking to news media, through social media, and advertising. As always, Chief Advocate Ian Henschke will be dynamic in promoting our cause in a variety of forums, including the media and branch-run public meetings. Ian will visit key marginal electorates and engage with our advocacy partners such as the Benevolent Society and the Alliance for a Fairer Retirement. ■

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Aged care staffing issue By Chief Advocate Ian Henschke They say a week is a long time in politics. It seems a week and a half is a very long time in a Royal Commission. National Seniors was at the Royal Commission into Aged Care Quality and Safety to give witness on day one, 18 February. Our CEO and Research Director Professor John McCallum put the case for better training for both home-care and residential care workers. We called for mandatory dementia training. We also wanted the long waiting list for home care fixed (see page 10).

Emotive language, I thought, sitting in the gallery watching on after I’d seen Annie Butler give her impassioned plea for ratios a week earlier. In fact, the lawyer questioning Ms Butler asked her what was wrong with the system and she replied: “There’s a gaping hole in the Aged Care Act and that is how you staff aged care.” She said it was clear current levels of staffing were “not sufficient to ensure safe, quality aged care”.

As I write, we are a week and a half into the Commission and the issue of staffing of aged care and home care is front and centre.

You must agree, otherwise why were we spending tens of millions of dollars holding this inquiry. The QC then turned out a Shakespearean-style phrase I’ll remember to my final days.

During the first week, the Australian Nursing and Midwifery Federation (ANMF) National Secretary Annie Butler prosecuted a powerful case for staffing ratios in aged care. She said the primary reason for the lack of care was lack of staff.

He asked if it were possible to come up with a staffing formula and was told such a formula exists in the public hospital system. “So,” he said, pointedly looking around the court room, “then it is not beyond the wit of man to do this.”

At present the Aged Care Act (1997) only requires “appropriately skilled and qualified staff sufficient to ensure that services are delivered in accordance with these standards and the residential care philosophies and standards”.

Annie Butler produced a dazzling array of data that included financial costings showing that to increase staffing and skills levels to what she said was “proper care” would cost $5.3 billion a year.

Last December, the ANMF, Australian Medical Association, Royal Australian College of General Practitioners, and Australian and New Zealand Society of Geriatric Medicine all wrote a letter calling on the Prime Minister to legislate “minimum staffing ratios that will enable the delivery of the holistic care plans needed to ensure safe and best practice care for all elderly Australians”. So, we must ask, if the nurses, GPs, specialist doctors, and the geriatricians, who all follow a philosophy of do no harm, want ratios, why is the ‘industry’ and the bureaucracy consistently resisting that call. It’s an intriguing puzzle, isn’t it? When the Secretary of the Department of Health, Glenys Beauchamp, was giving evidence she called staffing ratios “a blunt instrument”. Then surprisingly – or perhaps not – Pat Sparrow, the head of Aged and Community Services Australia, a body representing a large number of providers, echoed the same words: “Ratios are a blunt instrument”.

And according to a study done by the Australian Industrial Transformation Unit, this would be offset by savings created, in large part, by hospital avoidance, and having a more stable and better trained workforce. The new Aged Care Quality and Safety Commissioner, Janet Anderson, gave evidence on Monday that revealed some of her auditors and inspectors who assess nursing homes work parttime for the Commonwealth and part-time for providers. She was questioned on this by Commissioner Richard Tracey who sounded surprised at such an arrangement from a governance perspective. Janet Anderson attempted to reassure him by saying: “We look very closely at management of conflict of interest.” She added the auditors and inspectors were “obliged to adhere to a code of conduct”. We also discovered most of the people doing the regulatory work are not nurses or doctors. Perhaps one of the most worrying statistics was provided by Pat Sparrow from ACSA. She said the number of people with “more complex, high-care needs” in care had more than quadrupled in the past 10 years from 12.7% in 2008/9 to 53% last year. At the same time there has not been a corresponding increase in hours of care provided.

What do you think? Are staff ratios in residential aged care essential to provide the quality and safety needed? Or are they a blunt instrument? Please take part in our online poll, which can be found here: www.nationalseniors.com.au/ StaffRatios-Poll. The poll closes on 29 March. ■

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HOLIDAY DEALS FOR YOU National Seniors Travel

Book now, pay later with interest free on your next holiday*. Ask us how!

10 Day Discover Croatia

Members from: Date: 4

October 2019

■ The services of an Emerald Waterways Tour Director

IRECTO

TOUR D

EWDM

■ Airport transfers

ALDS EMEERRW AY WAT

$2,685pp^

■ All tipping and gratuities ■ Guided Tour of Rovinj & Pula ■ Guided Tour of Karst Caves in Postojna ■ Guided Tour of Zagreb ■ 10 superb meals including 7 Breakfasts (B), 1 Lunches (L), 2 Dinners (D) ■ Complimentary Water with every included excursion

RDOINYBUARGLH

INCLUD

RETUCLRAN SS

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Members from:

8 Day Legendary Longreach and Winton

KETS

TIC TATTOO

OVER

Date: Multiple

$3,025pp^

EXPRESSION OF INTEREST

AOLW

departures available

■ Strathmore Station Tour and Lunch ■ Australian Stockman’s Hall of Fame & Outback Stockman’s Show ■ Camden Park Station Sunset Tour and Exclusive Qantas Founders Museum Dinner ■ Qantas Founders Museum and Jets Tour ■ Rosebank Station Lunch ■ Drover’s Sunset Cruise including Smithy’s Outback Dinner & Live Show ■ Winton Town Tour

The Royal Edinburgh Military Tattoo

Date: Multiple

departures available

Join National Seniors Travel as one of the greatest shows on earth, the Royal Edinburgh tattoo returns to Sydney this October. ■ Return Flights (from Brisbane other cities on application) ■ Edinburgh military Tattoo show in the Gold Class ■ Dinner Cruise around Sydney Harbour ■ 4 nights’ accommodation ■ Plus, so much more!

Call 1300 88 37 50 or visit our website nationalseniorstravel.com.au ^All prices are per person, twin share in AUD. Please enquire for singles pricing. Itinerary, hotels and inclusions are subject to change. For full terms, conditions and travel dates, visit nationalseniorstravel.com.au or ask your National Seniors Travel consultant. Interest free finance is applied only to promotional transactions for the specified period. Balances outstanding at the end of the promotional period will form part of the normal account balances and will accrue interest at the cash advance rate current at the time. Monthly repayments are required and calculated at 3% of the outstanding balance or $20, whichever is higher. Lending criteria, terms and conditions, fees, and charges apply and are available on application. Offer available every day. *Credit provided by HSBC Bank Australia Limited ABN 48 006 434 162. Australian Credit Licence 232595

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Respect for Age: Going, going or gone? The aged care royal commission testimony raises questions beyond quality of care. Does the age-old value of respect still underwrite public policy and service delivery, let alone our personal relations? National Seniors research throws some interesting light on the topic, as John Austin reports.

We were raised with the values and manners of our parents who in turn lived those of their parents and ancestors, the church, the austere woes of the Great Depression and World Wars I and II. There was no greater life principle than giving ‘respect’. Rattle forward 60 years and respect for others remains elusive, perhaps even on life-support. There is the perception that retirees, along with what they value, are being run down by those intent on themselves: government; policy makers; bureaucrats; banks; aged care services; and yes, those pesky young people. The age care royal commission has exposed many years of hypocrisy. How can a society that values the concept of respecting the aged allow such things to happen, not just in isolation, but an entire system found to be unintentionally negligent and hurtful to those who least deserve it? In the context of challenges to traditional patterns and expectations of ageing, including being respected, National Seniors sought the views of members. Nearly six thousand responded to an online survey. Stand-out experiences of disrespect included: • Increasing publicity about the poor quality of care in residential facilities and, to some extent, home care; • Increasing waiting lists for care for which seniors have been approved; • Constant changes to the retirement income system without protection for affected older people who are then unable to rebuild their financial plans but are not provided with compensating income support; • Increasing barriers to applying for the age pension; • A provocative ‘intergenerational’ debate about whether younger people are suffering while older generations are doing better than ever; and

“

Seniors have also experienced a decade of turbulence around national retirement income policy.

”

• Progressive cultural analysis arguing that middle age now extends into the 70s, with the implication that Australians are healthier, wealthier and will work longer, living active midcareer lives to later ages without being dependent. Show me the money So, it seems the views of older Australians are not being heard or respected when major changes are made, particularly those directly affecting their finances. They feel they are targeted, for example, on tax concessions, whereas others who also benefit from tax concessions are unaffected.

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Seniors have also experienced a decade of turbulence around national retirement income policy, which started with the Henry Report into the tax system in 2008. Most recently, significant changes to the Age Pension came into force on 1 January 2017, causing more than 300,000 people to have their pension entitlements cut.

The research question “Do older Australians receive privileged treatment by government?” met with a resounding NO. One respondent commented, “Some people would resent the ‘privileged’ treatment because they have no experience or understanding of the contributions made by seniors, or maybe can’t imagine growing old themselves.”

“Why bother saving?”

The prickly subject of intergenerational contest surfaced. One senior asserted it was young people who were privileged. “Younger people these days start their working life on huge salaries and live life to the max – frequently spending before they earn it.”

Federal Labor proposes policy changes to dividend imputation credits. Media coverage of the issues associated with this policy included pension and superannuation changes. The Australian suggested that “ … [the policy] has potentially left up to one million self-funded retirees out of pocket” and, thus, many self-funded retirees are beginning to wonder why they’ve bothered saving.” Holus-bolus changes to retirement income streams that disrupted lifestyles and planning, and which didn’t include consultation, were evidence of government no longer respecting seniors, according to National Seniors’ survey. Significant comment was made on the failure to ‘grandfather’ changes to retirement income i.e. protect those who already had made plans in good faith that they were now unable to correct to maintain their planned income.

“

It’s a fake generational war that doesn’t exist in the eyes of older people, who generally give more help to their children than they receive.

”

Feeling entitled? The ‘special’ status that society has traditionally afforded older and retired Australians is being challenged. Terms such as ‘privileged status’ and ‘entitled’ have crept into the discussion about tax policy, retirement income generation, and even housing and general age-based concessions. Seniors, it appears, must pay their way, rather than rest on the assumption they deserve special status by bent of longevity. This questioning was most obvious in the Grattan Institute’s Age of entitlement: age-based tax breaks report, November 2016, which argued that certain specific senior tax breaks were no longer affordable. It commented, provocatively, that “ending the age of entitlement is a reform priority” and followed with a series of reports suggesting that “older Australians are putting increasing pressure on Australian budgets”. Our research found significant fault-lines arising from the possibly disturbing world into which seniors now retire, the most emotionally charged being accusations of ‘entitlement’.

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While rejecting the notion they were receiving privileged treatment, 82% of respondents agreed they should be rewarded in retirement because they had spent all their lives paying taxes, raising children and contributing to the community. Most responded that people of age who don’t wish to work should not be compelled to do so, and 50% agreed that the Age Pension was a right and not a ‘last resort’. National Seniors CEO and Research Director, Professor John McCallum describes the sneering ‘age of entitlement’ accusations being levelled at older Australians as politically dangerous. “It’s a fake generational war that doesn’t exist in the eyes of older people, who generally give more help to their children than they receive,” Professor McCallum said. Our research strongly indicated that the economics strongly feed into the framing of the issue and broader discussion about respect. At a personal and social level, as author and speaker Steve Maraboli reminds us, respect is an essential value and it continues to be … well … valuable: “How would your life be different if… you stopped making negative judgmental assumptions about people you encounter? Let today be the day… you look for the good in everyone you meet and respect their journey.” The full report Respect for Age: Going, Going or Gone? Views of Older Australians can be found at www.nationalseniors.com.au/RespectForAge.

What is respect? Respect is a way of treating or thinking about something or someone. If you respect your teacher, you admire her and treat her well. People respect others who are impressive for any reason, such as being in authority — like a teacher or doctor — or being older — like a grandparent. Dictionary Definition : Vocabulary.com, www.vocabulary.com/dictionary/respect.

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Better with age, together

As National Seniors unveils a new partnership with this year’s Australian Masters Games and, more broadly, the Confederation of Australian Sport, both partners have expressed enthusiasm for and commitment to better, healthier ageing for all Australians. National Seniors CEO and Research Director Professor John McCallum said preventing and managing disease and disability were key priorities in the quest for healthy ageing. “While we know that health outcomes are determined by many factors – some of which cannot be changed – research shows a large number of chronic diseases share modifiable risk factors related to lifestyle, including diet, and physical exercise,” Prof. McCallum said “With that in mind, partnering with the Australian Masters Games offers an exceptional opportunity to showcase a healthier, more connected future for older Australians.”

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Exclusively for over 30s More than 8,000 participants and thousands of spectators are expected to descend on Adelaide for the week-long festival in October. Confederation of Australian Sport (CAS) President and CEO Rob Bradley said the event offered a broad range of sports (everything from archery to figure skating, athletics to softball, and even dragon boat racing) and the only criteria to compete was the minimum age of 30 or 35 for most sports. “The games are open to people from around the world and from any walk of life, and the largest participating age groups are 45-55 and 55-65,” Mr Bradley said. “This year, for the first time, the average age is over 50.”

A wonderful occasion “We want to reach as many Australians as possible to let them know the event is on and the enjoyment they can experience by being part of it. It really is wonderful when you see 8,000 athletes, from all the different sports, at the opening ceremony. It’s a colourful, wonderful occasion.”

“

Sport for all, with an emphasis on grassroots community sports participation

”

One of the largest participation events in Australian sport, the games will this year be hosted in Adelaide from October 5-12. Between 4-5,000 people are expected to attend the opening and closing ceremonies, and for many the sporting fixtures are only part of the event’s appeal.

With the Confederation’s motto being Sport for all, with an emphasis on grassroots community sports participation throughout all life-stages, the Australian Masters Games is a key part of their strategy. And now of ours. To find out more about the 2019 games, or to register for an event, visit www.australianmastersgames.com. National Seniors members can access our research report, Healthy Ageing: The state of the evidence and available resources from the research section of our website at www.nationalseniors.com.au. ■

According to Mr Bradley, the packed social calendar is proving an increasingly popular drawcard, in tandem with an exciting and evolving menu of sports.

Spectacular sight “Dragon boat racing is a relatively recent addition to the program,” Mr Bradley said. “But now it’s one of the strongest participant sports. We’re expecting 600 dragon boaters to take to the Torrens River – it’ll be a spectacular sight. Wall-to-wall dragon boats, awash with colour and set against a background of drumming.”

Are you an Australian Masters Games veteran, either as a participant, coach or volunteer? Share your story by emailing partners@nationalseniors. com.au or connecting with us on Facebook@ NationalSeniorsAustralia.

National Seniors and Australian Masters Games Partners in healthy ageing

National Seniors is proud to announce our partnership with the XVII Australian Masters Games in Adelaide this October. This exciting partnership brings together two organisations that each share a commitment to helping older Australians enjoy a healthy, socially connected later life. For National Seniors, partnering with this festival of sport is a way for us to acknowledge the physical and mental health benefits that active ageing brings. It provides us with an opportunity to engage with older Australians who may not be aware of our work as a strong voice for them and the benefits and discounts they could receive by joining National Seniors.

nationalseniors.com.au 0120193238STP_AMG

Longer term, the organisers of the Australian Masters Games, the Confederation of Australian Sport (CAS), will be partnering with National Seniors on joint research and advocacy that will benefit older Australians and the activities we know

they enjoy participating in at the grassroots, community level. Throughout the year, you’ll be hearing more about our partnership with CAS and the Australian Masters Games. To learn more, go to our website at nationalseniors.com.au. To enter or learn more about the games, go to australianmastersgames.com.

Partners in Healthy Ageing

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Childhood set the scene Ronni Kahn attributes two key events during her childhood in South Africa for her drive to eliminate food waste and end hunger. The first was being born into apartheid and the other was her father being involved in a serious car crash when she was six years old. “Seeing discrimination and inequality around me all the time made me understand it wasn’t right,” Ms Kahn said. “My father’s accident changed our family’s life forever. He was the breadwinner and he was in hospital for two years – even when he came home and had gone from being a healthy athletic man to having one stiff leg and the other in a calliper, he never thought of himself as disabled.

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FEATURE

Feeding the masses Food-rescue charity OzHarvest founder Ronni Kahn is waging a war on food waste, and she aims to enlist National Seniors members in her army, writes Lynda Schekoske. Ronni Kahn says Australia can eliminate the 5.3 million tonnes of edible food that is wasted from households and the commercial sector – and costs our economy $20 billion – every year.

“All this perfectly good food was going to waste and I needed a solution to that – so I started OzHarvest. But I had no idea of the scope of the waste and the scale of need.”

In human terms, it will ensure the 3.6 million Australians who experienced food insecurity last year have enough to eat.

That was back in 2004, when Ms Kahn kicked off OzHarvest with one van delivering 4,000 meals in the first month.

Ms Kahn is confident National Seniors members will be scratching their heads and wondering “how did we get to be like this” when they read these statistics. “Our parents and our generation understood how to manage food,” she said. “Our parents went through the Depression; they went through war; and they taught us ‘eat your food, because there is someone starving somewhere’. “Somehow the next generation has become consumers and want instant gratification. “When we were kids, our mums would take a loaf of bread, slice it, and the children all fought over the thick, chunky crusts. “Now, imagine every loaf of bread that’s sold in Australia in a plastic bag and every household is throwing away the ends. We have a country-size mountain of bread crusts that aren’t being eaten. That is food waste, and everyone can do something about it.” Ms Kahn is speaking from personal experience. A former corporate events and hospitality manager, she was at the peak of her success when she realised much of the abundant catering that went with the territory was ending up in dumpsters. “I was putting on wonderful events and making sure there was always food left over, because that was part of showing the success of my clients.

“My mother took on the breadwinner’s role and still looked after three young children while never complaining, never showing any stress or strain. These experiences showed me that nothing was insurmountable.” Last month, Ms Kahn spoke at the United Nations One Planet Conference in Costa Rica about the Fight Food Waste movement and this month she will be an International Women’s Day ambassador for the #metoo movement in Australia. “I am very privileged and blessed because I’ve never felt discriminated against as a woman, but I know that happens,” Ms Kahn said. “I have never set out to be a role model, but I know I’m considered one. All I can do is be the best I can be; be as mindful of people and the planet as I can. If people find that inspirational, I’m humbled and incredibly honoured.”

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Now it’s Australia’s leading food rescue organisation, collecting quality excess food from commercial outlets and delivering it directly to more than 1,300 charities supporting people in need across the country. OzHarvest rescues over 180 tonnes of food each week from more than 3,500 food donors, including supermarkets, hotels, airports, wholesalers, farmers, corporate events, catering companies, delis, cafes, restaurants, and boardrooms. “The amount of food that is available is obscene,” Ms Kahn said. “While OzHarvest will always be about rescuing food and feeding people who need it, we are also committed to educating Australians about their role in managing their food.” Just as the Cancer Foundation used the ‘slip, slop, slap’ slogan to convince Australians to use blockout and prevent sun cancer, Ms Kahn wants people to become Food Fighters – rather than Food Wasters – and adopt the mantra Look. Buy. Store. Cook. “Look at what you already have in the fridge, pantry and freezer before shopping. Buy what you need – making a shopping list and not being tempted by offers and deals will help with this,” Ms Kahn said. “Store it properly – simple things like stacking your fridge correctly, using your freezer and airtight containers will help you reduce waste. “Finally, cook what you buy and eat it.” Ms Kahn said about 50,000 people had signed up to the Fight Food Waste campaign, but she was hoping to lift that figure to 500,000. She urged National Seniors members to be among the ranks. “Your members have a wealth of experience, skills, expertise and wisdom and they could play a valuable role as volunteers and mentors. “Just because you may no longer be in the paid workforce doesn’t mean you can’t contribute – that’s another part of the weirdness of our society. We need to value the life skills and experience of older people.” If you’re interested in fighting food waste, learn more at https://www.ozharvest.org/fightfoodwaste/join-us/.

LIFE

50 Something

LEGAL

Beware who you believe … Resorting to calumny can have calamitous outcomes when it comes to how estates are divided, writes succession law specialist Margaret Arthur, of CRH Law. We’ve all heard poignant stories of elderly parents being the victims of financial abuse by their adult children: of children stealing their money. However, we rarely hear of children engaged in another more insidious form of abuse – stealing their parents’ feelings. The law – ever able to find obscure and Dickensian terms to describe human misconduct – describes it as ‘fraudulent calumny’. Not many people have heard of this strange legal concept and yet, I suspect, it goes on frequently in Australian society. So, what is this abhorrent conduct? Put simply, it is where one person makes deliberate misrepresentations or tells lies about someone to cause another person to change their Will. The classic example is where the conduct is designed to, and does, cause a parent to cut one child out of their Will in favour of the child who has been the source of the misinformation. In a recent court case, two sisters spent eight days in court battling over the significant estate of their late mother. Andre alleged her sister Niki had told their elderly mother she had stolen large sums of money from her, knowing it was untrue.

“

elderly people often become the prize in a tugof-war between offspring or other family members

”

The result was the mother made a Will in which she left her entire estate to Niki. At the crux of the case was the court’s finding that the mother’s affections for Andre had been ‘poisoned’ by the falsehoods and that Niki’s lies had induced the mother to make a Will entirely in her favour. The Court described Niki as “a thoroughly dishonest and manipulative individual to whom integrity and truth are less important than achieving what she wants, even when she knows she is not entitled to it”. The outcome was that the last Will was set aside and, in the absence of any other Will, the estate passed to the two daughters under the intestacy laws. It is surprising that fraudulent calumny doesn’t feature more often in Australian law. It is an unfortunate reality of our modern society that elderly people often become the prize in a tug-of-war between offspring or other family members.

Unfortunately, we see many cases where a particularly ruthless family member will seek to isolate a vulnerable person from the broader family purely with the object of brainwashing them against competing beneficiaries. In situations where the elderly person suffers from some form of dementiarelated paranoia, it can be easy to plant suspicions in their minds regarding the motives and actions of those around them. Often it is those who genuinely have their interest at heart and who are trying to do the right thing by them who become the brunt of the fabrications. Litigation of any sort has its challenges and in cases of this type, the court will require a large amount of compelling evidence to be convinced fraud has been perpetrated. Even so, for those who are wrongly maligned, fraudulent calumny might provide some hope of addressing what may otherwise be a gross injustice. Alternatively, when making your Will, beware of the apparently well-intentioned child who gossips or criticises others, especially other children (and their partners). They may just be trying to steal your feelings. ■

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LIFE TECHNOLOGY

Making a connection With toddlers using tablets and smart phones as toys these days, sometimes it can be hard to remember that the entire adult population isn’t online, or ‘connected’. But the reality is many older people aren’t, not because they don’t want to be but because they don’t know where to start or can’t afford the set-up costs. The latter is particularly true for aged pensioners and low-income seniors. That’s why as part of our budget submission National Seniors is asking the federal government to provide a subsidy for pensioners to connect to the NBN or another appropriate internet service. Lack of digital literacy stops many older Australians accessing essential services and information, family and friends. National Seniors has long argued this is unfair and contributes to loneliness among seniors, which is bad for your health. After writing about Micky Mullins in the last edition of 50 Something, who at 97 is something of a nonagenarian ‘nerd’, another National Seniors member pointed out that signing up for an online course was not the first step on the tech journey for many seniors because they didn’t own a computer.

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While the latest stats from Australian Communications and Media Authority (ACMA) show 71% of Australians aged 65 and over are online, knowing where to start is obviously still a big hurdle for many older people. But buying a computer doesn’t have to be the first step.

organisation, such as Rotary, St Vincent de Paul and Mission Australia.

One way to begin is a visit to your local library. Most offer free internet and computer training courses for all library members, using the library’s equipment – also free of charge.

The ongoing costs of staying connected sometimes deter people on limited incomes, but if you shop around it is possible to find monthly plans that cover a landline telephone and internet for $40. ■

If you don’t visit your library regularly to borrow books or use other services, a good idea would be to ring ahead to find out more information as bookings are often required for free internet and computer courses. I know of several National Seniors members who don’t have their own desktop or mobile device, but visit their local library weekly to email friends and family. If you would benefit from having your own computer, you might be eligible to access one through a charity or service

To find more information about what is available in the way of training or low-cost computer equipment in your area, again, the best place to start is your local library and/or council.

Lynda Schekoske, 50 Something Editor

National Seniors is helping older Australians build their digital skills through the Be Connected program – a FREE learning program put together by the Office of the eSafety Commissioner and Good Things Foundation. For more information, go to nationalseniors.com.au/Be-Connected.

LIFE

50 Something

ON THE ROAD

Rural driving takes a heavy toll

Road trauma stands out as a major cause of death in rural and remote areas, writes Russell White of Driver Safety Australia.

 Rural road crashes account for 65% of all fatalitities in Australia. The road crash fatality rate per  population is over three times higher in rural areas than major cities.  Two in five drivers believe a change in driver attitudes and behaviours would have the biggest impact on the regional road toll.  A third of Australian drivers admit they are more likely to break a road rule on regional roads.  Almost half (48%) of drivers who admit they are more likely to break road rules on regional roads do so because they are less likely to be caught by police.  Drivers are 1.8 times more likely to speed on regional roads than they are city or suburban streets.  Australians are twice as likely to overtake on a double line if driving on a regional road, compared to city or suburban streets. Source: Rural & Remote Road Safety, CARRS-Q, www.research.qut.edu. au/carrsq.

The risk of sustaining a road crash injury increases with the degree of remoteness from metropolitan centres. Several factors contribute to this. Driving on rural roads involves higher speeds, longer distances and different road environments, including unsealed roads. Also, emergency services are not as close as they are in metro areas, so help can take much longer to arrive. One of the biggest challenges we must deal with as drivers is the diverse range of driving environments. So, let’s look at a couple of important aspects to consider the next time you head out of town. While traffic volumes might be less on rural roads than in the city, they present their own unique challenges. Boredom and fatigue are two prime examples. On a long country drive it’s easy to find yourself slouching in your seat. It’s important you sit up, look as far ahead as you can, and be prepared for the unexpected.

Fatigue Fatigue is common during long driving stints and can cause concentration to wane, resulting in you becoming distracted and possibly falling asleep. To avoid this potentially fatal situation, make sure you have adequate rest before a long trip and plan to drive at a time when you would normally be awake. Share the driving where possible and ensure that you take frequent breaks – usually every two hours or more often if necessary.

Never forget that travelling at twice the speed of city driving can make it at least four times harder to stop, so make sure you keep a distance of at least three seconds between you and the vehicle ahead.

Road surfaces One thing you can almost guarantee on a country drive is you will encounter a range of road surfaces. You could be on firm bitumen one minute and loose gravel the next. If the surface changes, you need to adapt your driving to suit the new conditions. A gravel road will have much less grip than a bitumen surface and you might find your car starts to move around because of this. If you know you are about to leave the bitumen surface for loose gravel, drop speed well before the surface changes. The shoulders of some country roads can also be a trap. They often aren’t well maintained, the edges can be sharp and damage your tyres, and soft shoulders could pull on your steering. These can lead to a sudden deflation or cause some handling issues with the vehicle. Narrow roads are common and are another hazard. Sometimes you may need to move off the road slightly for two oncoming cars to pass each other. If you must move over, be sure to pick your spot and do it in a smooth and gentle fashion, then progressively ease back onto the road. Drive safely.

National Seniors Australia

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15 Day Magnificent Europe River Cruise Window Suite: From $6,995* pp & Fly Free* Window Suite Members: From $6,875* pp & Fly Free* Balcony Suite: From $9,895* pp & Fly Free or Fly Business Class for $1,995* Balcony Suite Members: From $9,715* pp & Fly Free or Fly Business Class for $1,995* All-inclusive. All taken care of. So you can Live Fully.

*Conditions apply. Offers are valid until 15 March 2019, unless sold out prior. SEE: aptouring.com.au/SpecialDeals for full conditions. Prices are per person (pp), AUD, twin share and includes port charges. Prices are correct as at 07 February 2019. Window Suite price based on EUMCR15: 1 April 2020 (Cat. E) and Balcony Suite price based on 1 April 2020 (Cat. T). ALL OFFERS: Limited suites on set departures are available and are subject to availability. DEPOSITS: A non-refundable deposit of $1,000 pp is due within 7 days of booking. Australian Pacific Touring Pty Ltd. ABN 44 004 684 619. ATAS accreditation #A10825. APT7531AS accreditation #A10825. APT7634

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FEATURE

Croatia’s day in the sun An independent country for just 27 years, Croatia is one of Europe’s sunniest destinations and has a history dating from Roman times. It’s proving a crowd-pleasing combination, writes Chris Dwyer. Not so long ago, Croatia barely registered as a travel destination, but today the country finds itself high on the list of favourite European getaways. Mediterranean weather? Check. Atmospheric heritage sites and pristine beaches? Check. A vibrant cultural scene with a low-key vibe? Check. This little-country-that-could now promises both hidden gems and hotspot getaways, meaning the only challenge these days is choosing where to head. This country of just four million people and less than one fifth the size of the United Kingdom offers a remarkable diversity of landscapes. But a combination of Dubrovnik, the Dalmatian Coast and the capital Zagreb should ensure you taste the real flavour of this beguiling Balkan jewel.

Downtime in Dubrovnik Dubrovnik is a true show-stopper. A UNESCO World Heritage Site, its imposing battlements, towers and gates give the ancient walled city an epic quality that made it the perfect setting for King’s Landing in Game of Thrones, sans special effects.

A walk along its imposing Roman walls that were never breached is a must. Linking the stronghold’s gates is Stradun, the limestone-paved street that is home to some of Dubrovnik’s foremost historical and cultural landmarks. Must-sees include the Venetian Baroque Church of St Blaise as well as Dubrovnik Cathedral that boasts a substantial work by Titian. The 14th-century Rector’s Palace is an immersive experience from the time when Dubrovnik was capital of the Republic of Ragusa, while the Gothic-style Dominican Monastery has a rich collection of illuminated manuscripts and jewellery. Incredibly, the 700-year-old Friars Minor Pharmacy is still functioning. Such treasures, understandably, also assure Dubrovnik of considerable crowds. One option is to take the cable car up to Mount Srđ as respite – the sweep of Dubrovnik’s terracotta roofs against the Adriatic’s shimmering blue below is breathtakingly restorative. Don’t miss the chance to stroll the maze of the old town’s lanes, filled with boutiques, restaurants and cafes where you can experience fjaka. It’s the Dalmatian philosophy of easy living, maybe by sitting on a café terrace nursing a glass of rakia, a local (and pretty potent) fruit brandy, people watching as musicians play and the ancient citadel truly comes alive.

View of Old Split. Photo by Nikolaj Potanin.

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March | April | May

TRAVEL FEATURE

Sun-kissed on the Dalmatian coast Even the Roman emperor Diocletian knew that living well comes easy in Split, Croatia’s second biggest city, as he built his retirement palace there in 305 AD. Its ruins, another World Heritage Site, are rightly famous and the perfect spot to while away an afternoon. Split also serves as the perfect jumping off point to lazy stretches of the pebbled Dalmatian coastline or sailing to nearby islands – of which Croatia boasts 1,244. Most popular among them is sun-kissed and glamorous Hvar, frequented by serious A-listers. Yachts dot Hvar’s harbour and wide promenades offer fashionable restaurants and hypnotic views of the breathtaking azure water. Navigating between the islands is easy enough on local ferries or traditional boats known as gulets.

Split is a World Heritage Site, thanks to its many Roman landmarks. Photo by Marco Verch. Steep lanes of Old Dubrovnik. Photo by Chris Dwyer.

The limestone-paved street of Stradun, Dubrovnik’s foremost historical landmark. Photo by Dalibor Tomic.

Hvar’s harbour is the haunt of serious A-listers. Photo by Antonio Castagna.

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TRAVEL

50 Something Hvar’s harbour is known for its breathtaking azure water. Photo by Rosa Amato.

FEATURE

Opposite Hvar sits the sleepier Brac, home of Croatia’s most photographed beach called Zlatni Rat, better known as the Golden Horn, a stunning spit of white sand that has to be seen to be believed. Brac is also famous for its glorious white stone, which was used in the construction of Diocletian’s Palace and, far more recently, the White House in Washington DC. The island of Vis is also relatively unspoilt, having only opened to visitors in 1989 after four decades as a military base. Today, with wine production a major draw, it offers visitors a Bacchanalian romp among its Greek and Roman ruins. Foodies will love Šolta, where wine is made from ancient grape varietals and peppery extra-virgin olive oil is a must-try.

Zagreb, a city on the rise Croatia’s capital wears its age well. With parts dating back a thousand years, it nevertheless retains a young and energetic feel, thanks to its universities and a thriving arts and culture scene. Leading the pack is the Museum of Contemporary Art, already an icon for the city, but the smallest – and quirkiest – is the Museum of Broken Relationships … seriously. The award-winning museum is dedicated to failed love relationships, exhibiting seemingly mundane and insignificant objects accompanied by captions explaining their relevance to former lovers. Named one of the most relaxing city breaks in Europe, Zagreb is a walker’s paradise, with forested parks, lush gardens and a charming café culture. Stunning street

murals abound, rewarding curious explorers who wander down back alleys. A great way to find your bearings is to start early and check out Dolac, a bustling open-air market that’s a favourite among the locals for its fresh seasonal produce. Lunch could celebrate some of them in dishes such as cuspaiz, a meat and vegetable stew, followed by strukli, a doughy pancake filled with cottage cheese and sour cream. From there it’s a five-minute walk to the gas-lit cobbled streets of the Upper Town that date from the 11th century and are home to St Mark’s Church, with its iconic tiled rooftop representing coats of arms, and also Sabor, the Parliament building. The Lower Town is home to boutiques, department stores and cafes at prices that are gentle on the wallet. As with Croatia as a whole, Zagreb is enjoying its day in the sun. Straddling old-world grandeur and big-city vibrancy, it’s poised to join the ranks of leading capitals and build on Croatia’s reputation as a popular choice for those seeking to discover a different side to Europe. ■ Discover Croatia over 10 magical days with the expert guidance of an Emerald Waterways tour director. National Seniors members can access a special price for this holiday that starts in Split and finishes in Budapest. Start planning by visiting nationalseniorstravel.com.au or calling the team on 1300 88 37 50.

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TRAVEL

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FEATURE

Venture outback Whether you’re self-driving or taking a tour, the 850km journey from Longreach through Winton’s dinosaur country and the undulating Channel Country to Mt Isa is one of history, harsh yet beautiful landscapes and friendly locals, writes Jane Hodges. We’re sneaking up on a mob of emus. They’re almost perfectly camouflaged – blending seamlessly into the grey browns of the gidgee scrub beyond – only given away as they strut and scratch the ground in search of food. “They haven’t seen us yet, but they will,” Smithy our guide speaks quietly, and the biggest bird looks up and around, and spotting us, slowly leads the others away.

“He’s taking steps of about a metre now and he can’t fly, but when he decides he’s out of here, he can step it up to almost three metres and reach a top speed of about 50 clicks,” Smithy says. It’s an unscheduled stop on the last day of a five-day Outback Aussie Tours Legendary Longreach and Winton Tour with Savannah Guide Alan ‘Smithy’ Smith, an expert on local natural and cultural heritage who’s been showing people around Queensland’s outback for the past 30 years.

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March | April | May

FEATURE

“Most people belt along outback highways intent on conquering the big distances from town to town. But they’re missing the point – which is to get out of the car and appreciate the uniqueness of the wide-open spaces, the quiet, the stars at night and the rugged beauty of this ancient land,” Smithy explains. In five days, we’ve met warm outback characters – at pubs and around campfires; driven under big skies to stark and stunning landscapes in every shade of red; and learned of the rich pioneering, Indigenous and natural history via authentic museums and attractions. Smithy says each person takes something different away that is their own memory of one of Australia’s most special places.

Whether you go solo or with a tour, don’t miss these outback gems:

Longreach: • Australian Stockman’s Hall of Fame – horse and sheep shows and the story of the outback’s pioneering men and women. • QANTAS Founders Museum and the Jets Tour – inside an original DC-3, a Boeing 707 and a 747 – add on a 747 ‘wing-walk’. • Camden Park Station – Outback Dan’s tour of his 7,300-hectare sheep and cattle property, see the homestead once visited by the Queen and enjoy a sunset barbecue around an artesian spring dam. • Thomson River Drovers Sunset Cruise – followed by Smithy’s Outback Dinner and Show on the river bank. Turn to page 38.

Main: Stunning outback vista. Inset left: Sheep show at the Australian Stockman’s Hall of Fame in Longreach.

Camel racin

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TRAVEL

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FEATURE

Winton: • Waltzing Matilda Centre - dedicated to the famous outback ballad and newly rebuilt as a state-of-the-art museum after fire destroyed the historic collection in 2015. • Australian Age of Dinosaurs – walk through Dinosaur Canyon and book into the Fossil Preparation Lab to help paleoentologists clean and piece together 95-million-year-old dinosaur bones found in the area. • Tour of the lunar landscape of Rangelands jump up at sunset. • Lark Quarry Dinosaur Stampede – see a 95-million-year-old fossilised record of more than 3,300 footprints left by 150 dinosaurs. • Carisbrook Station – this vivid red mesa country features The Three Sisters rock formation and fossicking for opals at an old mine.

l Preparation Lab.

Dinosaur Canyon, Fossi

Winton to Mt Isa:

2019 Events to plan for: Vision Splendid Outback Film Festival 27 June - 6 July; Boulia Camel Races 19-21 July; Winton Outback Festival 24-28 September.

• Middleton Pub – population two, for a cold beer and a chat to publican Lester. • Spectacular scenery at Cawnpore Lookout on the drive between Middleton and Boulia.

The journey: Longreach to Mt Isa along the Channel Country Drive.

• Boulia’s Min Min Encounter – to hear the legend of the unexplained and mysterious Min Min Lights, which are said to hover over the horizon and follow travellers! If you’re there for the camel races, sample camel bangers and mash at the Australian Hotel.

Information: www.outbackqueensland.com.au

When to go: in cooler weather June to September.

Head west on an Outback Aussie Tours Legendary Longreach and Winton 8-day tour that includes return first class overnight rail travel. Available to National Seniors members at a special price, the tour includes the highlights mentioned in our article above, plus more. Visit nationalseniorstravel.com.au or call the team on 1300 88 37 50.

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Springs and Katherine

ADELAIDE TO DARWIN

o Off Train Experience in Marla TERMS AND CONDITIONS: ADVERTISED PRICES ARE PER PERSON BASED ON AN ADVANCE PURCHASE RAIL ONLY FARE, IN A GOLD SERVICE TWIN CABIN BASED ON TRAVEL IN FEBRUARY 2020. VALID FOR NEW BOOKINGS BETWEEN 01 APRIL 2019 TO 30 JUNE 2019. ALL DISCOUNTS AND SAVINGS HAVE BEEN APPLIED TO THE PRICE. NOT AVAILABLE WITH ANY OTHER OFFER. BLACK-OUT DATES APPLY. FULL PAYMENT REQUIRED WITHIN 14 DAYS OF BOOKING. BOOKING AND CREDIT CARD FEES MAY APPLY. CANCELLATION FEES APPLY. THE FARE IS NON-TRANSFERABLE AND NON-REFUNDABLE. FOR FULL TERMS & CONDITIONS PLEASE CONTACT NATIONAL SENIORS TRAVEL.

National Seniors Australia

Boutique Cruising At Its Best TRADITIONAL VOYAGES & BREATHTAKING VALUE

FROM

$135pp PER NIGHT

Hidden Baltic Treasures

Icelandic Northern Lights

British Isles Discovery

London (Tilbury) Roundtrip

1 Oct 2019 | 11 Nights | Marco Polo

12 Oct 2019 | 12 Nights | Marco Polo

6 Oct 2019 | 10 Nights | Columbus

Member Price From

$1,629pp

Member Price From

$1,609pp

Member Price From

$1,479pp

OVERNIGHT IN

Visby

Riga Klaipeda Gdansk Wismar Ronne (Bornholm)

Transit Kiel Canal London (Tilbury)

Akureyri Reykjavik

REYKJAVIK Faroe Islands (Kollafjørður)

Orkney Islands (Kirkwall)

Kirkwall Tobermory Belfast Dublin St. Mary's Plymouth Honfleur

stay on board and extend your journey

Rotterdam London

London (Tilbury)

Return Transfers Included Exclusively For National Seniors Members*

ALL CRUISE & MARITIME VOYAGES INCLUDE

Award-Winning Boutique Ships • Intimate, Country-Club Ambiance • Friendly, Personalised Service All Main Meals & Afternoon Tea • Spectacular Entertainment • Tea & Coffee Facilities…and much more

Terms & Conditions: *Return Transfers via coach from London Victoria Coach Station to Tilbury Port. Fares shown are per person, twin-share in AUD, and include port taxes, government charges (including GST when applicable) and promotional discounts. Prices differ for triple or quad-share. Prices and cabin availability correct as at 8/2/19. Offers valid for new bookings only and are not combinable with any other offers or promotions. Prices are governed by the CMV terms and conditions. Offers may be withdrawn or changed at any time without notice. Gratuities not included. Non-refundable deposit required within 5 days of confirmation, balance due 90 days prior to sailing. Amendment/cancellation fees and booking conditions apply. E&OE. For full terms and conditions that apply, visit CMVAustralia.com. CO190304_50Something_FP

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50 Something

FEATURE

Going all out at 60 From the ruins of the Inca city of Machu Picchu nestled high in the Andes to snorkelling with seals in the waters off the Galápagos Islands, Chris Chapman is determined to make her 60th year a special one, writes Natascha Mirosch. Chris Chapman has learnt how to eat fire, paddled a dragon boat, snorkelled with turtles, explored Machu Picchu in Brazil, and flown in a glider.

“

It made me take stock and realise you should do what you can while you can.

”

The semi-retired teacher from Hay Point near Mackay admits she’s become hooked on a heady high of adrenaline and endorphins thanks to her new-found love of thrill-seeking. “My younger neighbour says I’m out of control, but the more you do it the more you want to do,” she laughed. It started when Chris decided to set herself a challenge – to try 60 new experiences before her 60th birthday. Several months in, she’s already ticked off 32 and has a social diary that would exhaust a teenager. So, what was the inspiration for this adventurous new lifestyle? According to Chris, it was simply the growing awareness of her own mortality. “A lot of my friends were starting to get treatment for cancer and other ailments and seeing them was a wake-up call,” Chris said. “It made me take stock and

realise you should do what you can while you can.” When she set herself the challenge Chris, who said she was not particularly active or fit, sat down and made a list of things she wanted to do but also started to look around at what was out there. Her first new experience was kite surfing. “Mackay Council was running a five-week program where you could try different activities for free and a friend put her name down to do it, so I signed up as well. We had zero ability but it was great fun.” Chris and her friend went on to take advantage of the program of free activities the council offered, including dragon boating and bush walking (both of which she now does regularly) and it was game on. “I decided that I would embrace anything that came along, and it opened up such a world of opportunity,” Chris said. “My motto has become ‘don’t die wondering’. It’s been amazing meeting all these new people from different walks of life and of different ages.”

National Seniors Australia

March | April | May

TIME OUT FEATURE

Main: Chris Chapman atop Rainbow Mountain, altitude 5100m, in Peru. Above clockwise: Chris Chapman and husband Matt during their visit to Machu Picchu, the Inca city nestled high in the Andes; Deep sea fishing on the Barrier Reel; On the Puffing Billy Railway, in Victoria’s Dandenong Ranges.

Her ‘60 by 60’ challenge has meant doing something new almost every week, from scuba diving in the river to photographing platypus to deep sea fishing; wakeboarding to week-long hikes. “Just as I finish one thing, something else comes along that I want to try,” she said.“I post some of my challenges on Facebook and people will often tag me in on things they come across, too. “I just don’t understand when people say there isn’t anything to do when you get older. I’ve actually been trying to do some courses at the University of the Third Age, but I’ve been too busy!” As well as the positive mental impact all this activity has had on her life, Chris said her fitness and general health had dramatically improved, including the grade 4 arthritis in her knees. “When I started to get a bit more active I found that the muscles around my knees began to strengthen and the pain lessened and the more I did, the more flexibility I gained in my joints,” Chris said.

nationalseniors.com.au

“At a recent visit to the surgeon who said I’d need knee replacements, he was absolutely amazed at some of the things I was able to do.” Her favourite experience so far was gliding in Victoria. And the only thing this adventure seeker can’t see herself trying? “Bungee jumping! I just can’t imagine throwing myself off a bridge!” Before Christmas Chris ticked off a couple of big-ticket experiences – exploring Machu Picchu in Peru, followed by a trip to the Galapagos Islands to swim with turtles and seals.

walking the Kokoda Trail this year ahead of her 60th birthday in August. “What I’ve learned is that you shouldn’t let age or ability stop you from doing anything,” Chris said. “It’s a shame it's taken me almost 60 years to really get out of my comfort zone and challenge myself, but hopefully I'll have another 20-plus years to make the most of life. This is just the beginning of things to come.” ■ Many local councils provide cheap or free activity programs for older Australians. Contact yours to see what they offer.

An unexpected hiccup to her schedule came when she broke her wrist in three places not long before Christmas – not during one of her many adventures but heading to a local beach with a friend. “It was one of those silly things – I was walking down a grassy bank, I slipped, my feet went from under me and I obviously put my arm out to save myself,” Chris said. But despite the setback, she’s determined the culmination of her ‘60 by 60’ will be

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50 Something

SAVE AND WIN

51% OFF

Cellarmasters Grant Burge Cabernet Sauvignon and Chardonnay Pair RRP: $205 Members Price: $99 + Delivery* This is an exclusive offer for National Seniors members, offering 51% OFF this superb cabernet sauvignon and chardonnay dozen from the iconic Grant Burge label. You can enjoy a dozen of this rich, intense cabernet sauvignon as well as a tropical, delicate chardonnay, or you can you choose a straight case of either. As a National Seniors member your exclusive price is just $99 + delivery*. Don’t miss out, stock up now!

Visit nationalseniors.com.au/ benefits or call Cellarmasters on 1800 505 250 and quote code AQ125M-AY.

Have you visited our new online store? Check out our range of quality National Seniors giftware and apparel.

National Seniors Credit Card We want to provide our members with the best value for everyday items. That’s why we’ve launched the National Seniors Credit Card, which provides members with low annual fees, low interest rates and a safe way to access your money. When you switch to the National Seniors Visa card, you’ll enjoy these features safe in the knowledge that you’re helping to create a better future for all older Australians. This credit card is open to National Seniors members and their families. Credit eligibility criteria, terms and conditions, fees and charges apply.

Mem receivbeers a

1 5% discou nt

The range includes stylish drinkware, a unique inverted umbrella, glass water bottle, jar opener, picnic rug, and a pig money box perfect for saving those coins for little grandchildren. Slogan t-shirts will allow you to demonstrate your support for our nationchanging campaigns. With a great range of products suitable for all life stages, treat yourself or give as great gifts for friends and family. When supporting our online store, you can be confident every dollar spent helps fund our advocacy campaigns. That means improving the quality of life of all older Australians by tackling energy affordability, fixing pension poverty, better housing, aged care quality and safety, and protecting franking credits.

Plus, members receive a 15% discount. Use promo code: MEM15 to redeem. Shop online today from nationalseniors.com.au/shop. These offers are valid while stocks last or until 31 May 2019, unless stated otherwise. Prices are valid as at 1 March 2019. For competitions, one entry is permitted per member and one prize will be awarded to each winner. The National Seniors Credit Card is issued on behalf of NSA by Community First Credit Union Limited ABN 80 087 649 938. Community First is the credit provider and issuer of the card. For full terms and conditions, visit the website.

All competitions can be entered online at nationalseniors.com.au/competitions.

National Seniors Australia

March | April | May

TIME OUT SAVE AND WIN

ttles Two bo

$27e.l9ive5ry plus d

High absorption magnesium Member price: Two for $27.95

Recommended retail price: $34.95 per bottle

Magnesium plays an essential role in over 300 biological reactions within the body. Chelated magnesium is one of the most easily absorbed forms of magnesium. Chelated means that the magnesium molecule is attached to an amino acid, so it can travel more easily along the digestive tract without being trapped by other compounds. The benefits:  Highly absorbable and bioavailable form of magnesium  Gentle on the stomach  Helps relieve muscle cramps and spasms  Helps maintain and support cardiovascular health  Helps support strong healthy bones  Helps in the metabolism of carbohydrates, protein and fats  May help decrease the frequency and severity of migraine headaches  Each tablet contains 200mg of elemental magnesium. As a National Seniors member, you can buy two bottles of magnesium chelate 1000mg for the member price of just $27.95 plus free delivery.

To order, visit nationalseniors.com.au/benefits or call 1300 76 50 50 and quote code 347U to make sure you access your special offer. Recommended adult dosage: Take one tablet one to three times daily with food or as advised by your healthcare professional. Each tablet contains magnesium amino acid chelate 1g (1000mg) equivalent to 200mg elemental magnesium. Always read the label and health warnings, follow the directions for use and if symptoms persist, talk to your health professional. Vitamin and mineral supplements can only be of assistance if dietary intake is inadequate. Keep out of reach of children.

Update your details for a chance to WIN

WIN *

WIN a 3-night stay at any TFE Hotels property in Australia or New Zealand. Log into your National Seniors online account or call our Membership Experience Team to update contact details including your email address. All members with a valid email address on their account will be automatically entered into the draw. Draw closes 30 April 2019.

See page 20 of this edition of 50 Something for help logging into your online account. *Terms and conditions apply. All members with a valid email address will be in the draw. 3-night stay in a double/twin share room at any TFE Hotels property in Australia or New Zealand. Valid for a stay between 1 May 2019 and 28 February 2020 inclusive. Conditions apply: Valid for one consecutive 3-night stay at one hotel only. Standard lead in room type, does not include breakfast. Subject to availability at the hotel. Not available for school holiday or peak periods, special event or other blackout periods determined by the hotel.

These offers are valid while stocks last or until 31 May 2019, unless stated otherwise. Prices are valid as at 1 March 2019. For competitions, one entry is permitted per member and one prize will be awarded to each winner. For full terms and conditions, visit the website.

All competitions can be entered online at nationalseniors.com.au/competitions. nationalseniors.com.au

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50 Something

SAVE AND WIN

L SPECIA R MEMBE G PRICIN

Special member prices for Saturday Night Fever Sydney struts to Saturday Night Fever in a blazing stage show that propels the cult classic to phenomenal new heights. Based on the 1977 movie starring John Travolta, this is the story of Tony Manero and his quest to break free from conformity and become king of the club. The movie is credited with defining the 1970s, while the soundtrack remains at the top of the best-selling list. Starring the Queen of Disco Marcia Hines, with Paulini and Timomatic along with some of the hottest dancers in Australia, and packed with disco classics including the Bee Gees greatest hits, it’s one big party you don’t want to miss. Playing at the Sydney Lyric from March.

To book, visit https://saturdaynightfever.com.au/.

SPECIAL SENIORS’ PRICE Tuesday 7pm, Wednesday 1pm and 7.30pm, Thursday 7:30pm, Friday 8pm, Sunday 6pm A Reserve Concession $89.90 – SAVE $20 B Reserve Concession $69.90 – SAVE $20 Saturday 2pm and 8pm and Sunday 1pm A Reserve Concession $119.90 – SAVE $10 B Reserve Concession $99.90 – SAVE $10

Share your best travel photo for a chance to win a $1,000 Ted’s Cameras voucher*.

#nationalseniorstravel

Or enter online at nationalseniorstravel.com.au/photocomp

*Terms and Conditions: Competition ends 03/05/2019. Prize is not transferable for cash or exchange. For full competition terms and conditions, please visit nationalseniorstravel.com.au/photocomp-terms.

All competitions can be entered online at nationalseniors.com.au/competitions.

National Seniors Australia

TIME OUT

50 Something

Movies

Rocket Man

Top End Wedding

Berlin State Opera’s Macbeth

Rocketman tells the uncensored human story of Sir Elton John’s breakthrough years. It stars Taron Egerton, (Kingsman films and Eddie the Eagle) as Elton John; Jamie Bell, Richard Madden and Bryce Dallas Howard. The film follows the Grammy-Award winning performer’s early days as a prodigy at the Royal Academy of Music up to his eventual musical partnership with Bernie Taupin. Opens 30 May 2019.

From the makers of The Sapphires, Top End Wedding is a celebration of love, family and belonging, set against the spectacular natural beauty of the Northern Territory. This heart-warming romantic comedy revolves around successful Sydney lawyer Lauren and her fiancé Ned. Engaged and in love, they have just 10 days to pull off their dream wedding. Opens 2 May 2019.

For the first time in Australian cinemas, experience the Berlin State Opera’s smash-hit staging of Macbeth, Giuseppe Verdi’s vivid take on Shakespeare’s classic. This performance, conducted by maestro Daniel Barenboim, was captured live on stage at the Staatsoper Unter den Linden, Berlin. Placido Domingo stars in the title role and Anna Netrebko as Lady M. In cinemas 27 April 2019.

To win 1 of 20 double passes, post your details including your membership number, on an envelope to: Rocketman competition, GPO Box 1450, Brisbane 4001. Entries close 30 April 2019.

To win 1 of 20 double passes, post your details including your membership number, on an envelope to: 50 Something Top End Wedding competition, GPO Box 1450, Brisbane 4001. Entries close 24 April 2019.

To win 1 of 20 double passes, post your details including your membership number, on an envelope to: 50 something Macbeth competition, GPO Box 1450, Brisbane 4001. Entries close 15 April 2019.

Fighting with my Family

The Chaperone

Based on a true story, Fighting with My Family follows reformed gangster Ricky, wife Julia, daughter Paige and son Zak as they make a living wrestling in tiny venues. When Paige and Zak try out for WWE, the family grabs a once-in-a-lifetime chance to turn their wildest dreams into a dazzling future. Starring Dwayne Johnson and Vince Vaughn, the film opens 21 March 2019.

This fascinating slice of pre-Hollywood history is a coming-of-age story centred on the relationship between the young and soon-to-be international screen starlet Louise Brooks (Haley Lu Richardson) and her teetotal chaperone (Elizabeth McGovern). On their journey from conservative, Kansas to New York City, both women are driven by a desire for self-discovery. In cinemas 2 May 2019.

The Extraordinary Journey of the Fakir

To win 1 of 20 double passes, post your details including your membership number, on an envelope to: 50 Something Fighting with my Family competition, GPO Box 1450, Brisbane 4001. Entries close 18 March 2019.

To win 1 of 20 double passes, post your details including your membership number, on an envelope to: 50 Something The Chaperone competition, GPO Box 1450, Brisbane 4001. Entries close 15 April 2019.

Aja, a young fakir (magician) from the streets of India, arrives in Paris where he falls for Marie, whom he meets among the cabinets and couches in an IKEA store. When he becomes stuck in a wardrobe that is shipped to the UK, Aja finds himself on the run from border police and bandits. In cinemas 2 May 2019. To win 1 of 20 double passes, post your details including your membership number, on an envelope to: 50 Something The Extraordinary Journey of the Fakir competition, GPO Box 1450, Brisbane 4001. Entries close 15 April 2019.

Online entries can be lodged at nationalseniors.com.au/competitions 46

National Seniors Australia

March | April | May

TIME OUT

Books

A Prescribed Life

The Seventies

Paper Emperors

Tony Atkinson with Lynn Smailes

Michelle Arrow

Sally Young

Tony Atkinson spent his early days suspended in a cage outside the sixthstorey window of his family home in 1920s London. So, perhaps he was always destined to see the world differently and to land in ridiculous, hilarious situations. There was the time he came between Winston Churchill and his bowel movements (an accident that required a parliamentary explanation) or the high-society shenanigans he witnessed after accidentally becoming footman to Queen Elizabeth – all just tasters from this wickedly funny, deeply touching and irresistibly charming memoir. (Affirm Press) RRP: $29.99.

In 1970 male homosexuality was illegal, God Save the Queen was our national anthem and women pretended to be married to access the pill. The Seventies was the decade that shaped modern Australia. In a lively and engaging style, Michelle Arrow has written a new history of this transformative decade – one that is more urgent, and more resonant, than ever. (NewSouth Publishing) RRP: $27.95.

A corporate and political history of Australian newspapers spanning 140 years, this book explains how the country’s media came to be dominated by a handful of empires and powerful family dynasties. Many – Murdoch, Fairfax, Symes, Packer – are household names even now. Written with verve and insight and showing unparalleled command of a vast range of sources, Sally Young shows how newspaper owners influenced policymaking, lobbied and bullied politicians, and shaped internal party politics. (NewSouth Publishing) RRP: $39.99.

Food on the Move: Dining on the Legendary Railway Journeys of the World Sharon Hudgins All aboard for a delicious ride on nine legendary railway journeys. Meals associated with train travel have been an important ingredient of railway history for more than a century — from dinners in dining cars to lunches at station buffets and food purchased from platform vendors. For many travellers, the experience of eating on a railway journey is often a highlight of the trip, a major part of the romance of the rails. (Reaktion Books) RRP: $37.75.

WIN

To win the two books featured above, write your name and address on the back of an envelope and send to: 50 Something Book Pack One competition, GPO Box 1450, Brisbane 4001. Entries close 30 April 2019.

The Thinking Woman Julienne van Loon One of the age-old questions of philosophy is what does it mean to live a good life? In this extraordinary book, scholar and writer Julienne van Loon applies a range of philosophical ideas to her own experience. Van Loon engages with the work of six leading contemporary thinkers and writers – Rosi Braidotti, Nancy Holmstrom, Siri Hustvedt, Laura Kipnis, Julia Kristeva and Marina Warner – through interrogating and enlivening their ideas on love, play, fear, work, wonder and friendship. Her journey is intellectual and deeply personal, political and intimate at once. It introduces readers to six extraordinary women whose own deeply thoughtful work has much to offer all of us. (NewSouth Publishing) RRP:$34.99.

To win the two books featured above, write your name and address on the back of an envelope and send to: 50 Something Book Pack Two competition, GPO Box 1450, Brisbane 4001. Entries close 30 April 2019.

Off the Beatty Track Michael Beatty This book is an amusing and incisive snapshot of the rock and movie stars who shaped the baby boomer generation. Michael Beatty spent 40 years as a television, radio and print journalist. In his early days with the CBC and BBC, he interviewed the cream of rock and cinema. After coming to Australia on the Elton John tour in 1974, he worked in TV current affairs. Michael writes in a wonderful selfdepreciating style that makes this book a real joy! (Atlas Productions). RRP: $29.95.

To win the two books featured above, write your name and address on the back of an envelope and send to: 50 Something Book Pack Three competition, GPO Box 1450, Brisbane 4001. Entries close 30 April 2019.

Online entries can be lodged at nationalseniors.com.au/competitions nationalseniors.com.au

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50 Something

SATISFACTION

Highlights from annual member satisfaction survey

Many of our members participated in our recent member survey – and we wanted to share some of the results. The word map above shows key words members used to define our services and their areas of interest. The size of the word as it appears is equivalent to the level of importance assigned to it by members.

74%

Very satisfied/ satisfied with their membership

"The research is very important and the advocacy critical to improve the status and contribution of seniors."

68%

members attribute a high value to being a member

"Someone has to tell us what the fine print means – GREAT!"

Other statistics shared here cover:  Satisfaction with membership;  Importance of services offered;  Views around communication tools and channels.

75%

likely to recommend joining to a friend, relative or colleague

"Member discounts are great, as times get tougher – we get more help using these programs."

81%

say they are likely to renew their membership

"Information and education provided are great! It’s a one-stop shop for news."

National Seniors Australia

March | April | May

TIME OUT WHAT’S ON

Military tattoo in the bag(pipes) for Sydney

The acclaimed international spectacular, the Royal Edinburgh Military Tattoo, will return to Sydney at ANZ Stadium, Sydney Olympic Park in October 2019. Set against the amazing backdrop of a fullsize replica of Edinburgh Castle, its 1,200 international performers, including members of the Australian Defence Force, bring together a thrilling mix of music, ceremony, military tradition, theatre and dance from the world’s best massed pipes and drums. It also features traditional Scottish

favourites, including pipers, fiddlers, highland dancers and precision drill teams. The tattoo heads to Sydney direct from its annual season on the esplanade of Edinburgh Castle, Scotland, where it continues to boast sell-out performances entertaining more than 220,000 people each summer. In Sydney, there will be nightly shows from 17 to 19 October, with a daytime show also on the 19th.

Are you interested in attending the Edinburgh Tattoo in Sydney this October? National Seniors Travel is looking to book a group to this special event. The package will have the option to include travel and accommodation. Register your interest to attend this exciting event: www.nationalseniorstravel.com. au/EdinburghTattoo2019

Tasting Australia

Follow the light Take a final opportunity to see The Field of Light: Avenue of Honour in Albany, WA, an immersive art installation of 16,000 illuminated spheres created by internationally acclaimed artist Bruce Munro. The installation pays homage to the 41,000 Anzacs who departed from Albany for World War I, and symbolises wild beauty, sacrifice, courage, hope and honour.

nationalseniors.com.au

The glass spheres were ‘planted’ along the avenue at Albany Heritage Park by local volunteers and they gently illuminate the tree-lined path at night like wildflowers after rain. See the spectacle daily between sunset and 10pm until Anzac Day on 26 April. For more information, go to www.nationalseniorstravel. com.au/fieldoflight.

Follow the journey of South Australia’s produce from paddock to plate at Tasting Australia, where foodies come to discover what’s new on the menu. Be it a collaboration among world-class chefs; an inimitable tasting of beer, wine or spirits; or an evening soaking up the charred flavours and aromas of Town Square, the 10-day festival is your passport to the premium eating and drinking experiences that only South Australia can offer. As one of the country’s longest-running food and wine festivals, Tasting Australia has evolved with the industry and continues to offer innovative events and indulgent adventures. Long lunches, exclusive dinners, farm tours, tastings, masterclasses, sharing and conversation; they’re all there. The festival runs from 5 to 14 April and more information is available at www. tastingaustralia.com.au/

Head further south to Tasmania for the Taste of the Huon celebration of fine food, wine, entertainment, arts and crafts on 10-11 March. Just a scenic 30-minute drive south of Hobart and set amid one of Tasmania’s most popular tourist destinations, the Huon Valley and Channel region produce an abundance of apples, cherries, mushrooms, salmon, berries, truffles and wine and offer fantastic scenery. For more information, head to www.atasteofthehuon. com.au/.

TIME OUT

50 Something

PUZZLES

ROSSWORD 15 X 15

CROSSWORD 1

Release No. 5496ACROSS

16 17 20

26 28

30 33

31 34

38 39

29 32

11 12

41 44

46 47

3 Glossy fabric 7 Money bag 10 Opened surgically 11 King with Golden Touch 12 Kingly 13 Colour 15 Dry inflammable matter 16 Conditional release 17 Retributive justice 19 Efface 22 Wrongdoer 25 Mechanical repetition 26 Official copy of will 28 Curve 30 Celtic tongue 32 Family members 34 Outlet 36 Lay out for profit 38 Insignificant 39 Artist’s mixing board 42 Arachnid 44 Quinsy 45 Sister 46 Acquire knowledge 47 Grey 48 Piece of armour for the throat 49 Delicate silk network fabric 50 Trembling poplar

DAI029

DOWN 1 Large dish 2 Flood 3 Calm 4 Worship 5 Likeness 6 No score 7 Hanger-on 8 Consumer 9 Make more loved 14 Soft feathers 16 Location of Leaning Tower 18 Worth 20 Bird 21 Inward feeling 23 Courage 24 Happening 27 Headwear 29 Administer 31 Environments 33 Heavenly body 35 Oppressors 36 Maintain persistently 37 Conceited 38 Long narrow flag 40 Makes level 41 Light shield 43 Twofold 46 Meadow

ACROSS PUZZLES 3 Glossy fabric

50 Trembling poplar DOWN 7 Money bag 1 Large dish Jumble Sudoku 10 Opened surgically 2 Flood 11 King with Golden 3 Calm Touch 4 Worship 12 Kingly 5 Likeness 13 Colour 6 No score 15 Dry inflammable mat7 Hanger-on ter 8 Consumer 16 Conditional release 9 Make more loved 17 Retributive justice 14 Soft feathers 19 Efface 16 Location of Leaning 22 Wrongdoer Tower 25 Mechanical repetition 18 Worth 26 Official copy of will 20 Bird 28 Curve 21 Inward feeling 30 Celtic tongue 23 Courage 32 Family members 24 Happening 34 Outlet 27 Headwear 36 Lay out for profit 29 Administer 38 Insignificant 31 Environments 39 Artist’s mixing board 33 Heavenly body TODAY’S TARGET: Instructions: Fill in the grid so that each column, and 42 Arachnid 35row, Oppressors GOOD 12; VERY GOOD 15; EXCELLENT 18; GENIUS 21 3×3 contains every number from Each number 44 frame Quinsy 361-9. Maintain persistently How many words of four letters or more can you make from can appear only once in each row, column and frame. 45 Sister 37 Conceited these nine letters? Each letter may be used only once. The centre 46 Acquire knowledge 38 Long narrow flag letter must be included. No slang, foreign or capitalised words, 47 Grey 40 Makes level hyphens, apostrophes, or plurals ending in ‘s’. Only one form of a verb can be used, e.g. ‘ring’, but not ‘rings’ or ‘ringing’. 48 Piece of 5. armour for 41 Light shield Solutions page the throat 43 Two-fold 49 Delicate network 46 Meadow Notice of pricesilk change – New membership pricing from 1 March 2019. fabric Over the past three years, we have done our best to absorb production and postage costs. We can no longer sustain this so we now need to pass on

8 7

6 1 4

9 3

3 1 2 6

4 8 3 4 6 2

3 9 5

a percentage of these increases via our membership subscriptions. Please remember, your contribution via your membership subscription funds our Solution to No. 5496 advocacy programs, Royal Commission representations and our highly valued research.

P I S A T I N P U R S E L A N C E D N M I D A S A D U R O Y A L R E D

National Seniors Australia

Puzzled by your PC? Wondering about Wi-Fi? Fuzzy on Facebook? Brush up on your digital skills with Be Connected. Free, easy-to-follow modules on a range of topics:  Researching family history,  Using Skype,  Identifying scams,  Understanding data, and lots more. It’s easier than ever to get connected. Visit www.beconnected.esafety.gov.au/login/ Select National Seniors Australia as the support centre when you register.

0220193266MMB

Starting from scratch? Phone the Be Connected helpline on 1300 79 58 97.

Refer a friend, recieve a gift

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21/2/19 3:12 pm

Refer a friend to National Seniors and recieve a $10 WISH gift card. *Limit of one gift card per single or joint membership referral.

Introductory offer for National Seniors Australia members. 50% off National Trust senior memberships. Go to nattrust.org.au/membership-vic and enter the code NS50PROMO to redeem this offer, or call (03) 9656 9830.

del Balbianello Visit nationalseniors.com.au orVilla call us on 1300 76 50 50

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Unlock over 800 timeless experiences across the world, with a National Trust Membership

SAVE

15%

Travel with confidence

Travel Insurance designed with you in mind. Travel with confidence knowing you are covered for things like: Cancellation costs

Pre-existing conditions

Overseas medical expenses

Luggage and personal effects

All returns made by National Seniors Insurance support the advocacy work weâ&#x20AC;&#x2122;re doing for older Australians.

Get a quote today at nationalseniorsinsurance.com.au or call us on 1300 50 50 99 15% discount is available to National Seniors Australia members only, applies to the base premium only and is not available in conjunction with any other offer. The discount offer is correct at time of publication and is valid until 30 June 2019. *Coverage is subject to the terms and conditions, limitations and exclusions for each policy as contained in the Product Disclosure Statement. This is general advice and you should consider if this product suits your needs. National Seniors Australia Ltd ABN 89 050 523 003 AR 282736, is an authorised representative of Cerberus Special Risks Pty Limited ABN 81 115 932 173, AFS License No. 308461. This insurance is underwritten by certain underwriters at Lloydâ&#x20AC;&#x2122;s. 0120193248INS

50 Something Magazine - Mar / Apr / May 2019

Articles inside

Respect for Age: Going, going or gone?

CEO's Update

Election Special - Your guide to 2019