OurNarangba & Burpengary Magazine September 2015

Community Digs Deep To Give The Pawfect Gift Of Sight

Narangba’s Best Kept Secret

Cold Chisel Set To Rock Decades Festival 2015

Narangba’s Favourite Raceway September 2015 Edition

Y HL T N ITY O E M MUN NE E FR OM AZI C AG M

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Letter from the Editor Spring time already! Where has the year gone? We are now into our sixth edition, having grown from 200 printed copies in April 2015 to 5,000 printed copies this month. That equates to one in every residential letterbox, plus more than 500 throughout community distribution points.

I would like to take this opportunity to thank you for all your support and encourage you to continue sharing your story ideas with us. We love to hear what’s happening around Narangba.

This month’s edition is focused around the Narangba Industrial Estate which has recently been renamed to the Narangba Innovation Precinct. We will introduce you to some of the businesses in the estate and the great ways they support our community.

We also speak with John Tetley, CEO of Qld Raceways and Lakeside Park, bringing you some of the history of Lakeside, only a brief drive from Narangba.

Decades Festival is only a month away. This is set to be one of the biggest events we have seen in the Moreton Bay Region, with Cold Chisel, The Living End and Something for Kate making the line-up. Information about how you can get tickets to this event is also in this edition.

I am also pleased to announce that we have casual employment opportunities available for the community delivering our magazine to Narangba homes each month. I encourage those interested in knowing more to contact me at editor@ournarangba.com.au.

As always, I encourage those who are interested in getting involved in our Community Magazine to contact me directly.

There are many from the community who contribute in various ways in helping keep the OurNarangba Magazine available to Narangba Residents and Businesses. If you would like to join us we would welcome you to the team.

THIS EDITION NARANGBA’S BEST KEPT

(BUT NOT SO HIDDEN)

SECRET

Q L D O R G A N I C S : L O C A L B U S I N E S S E S I N

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THE INNOVATION PRECINCT RIDLEY GETS BEHIND NARANGBA YOUTH

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PAC K ER LEATHER: A STORY OF GENERATI ONS PAST ,

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PRESENT AND FUTURE COLD CHISEL SET TO ROCK DECADES FESTIVAL 2015

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THE FLIPSIDE WITH KIM & ALEX

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Winter Fashion C OMMUNI TY D I GS D EEP TO GI V E THE PAWFEC T

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GI FT OF SI GHT HOME AND GARD EN WI TH NARANGBA HEI GHTS

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Organise Your Closet with These Easy Steps TALK I NG FI NANC E WI TH LEE BOWD EN

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Don’t Work Till You Drop REAL ESTATE WRAP UP WITH DARREN GRIMWADE

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Should Your First Home be an Investment Property?

SPEAKING EDUCATION WITH KAREN CARTER

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Why Children Should Know Their Multiplication Tables LETS TALK WELLBEING WITH THERESE O’BRIEN

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The Importance of ‘Mindfullness’ L I V E W E L L W I T H M E L T O R A Y A

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I Fell off the Wagon I N R E V I E W W I T H J A D E M I T C H E L L Jurassic World

MICROVERSES: A WORLD WITHIN YOUR WORLD

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Making Lemonade O U T & A B O U T

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D A T E C L A I M E R S

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H O M E M A D E W I T H H A N N A H F O R S D I K E

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Homemade Lip Scrub TRADES & SERVICES

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N A R A N G B A ’ S F A V O U R I T E R A C E W A Y 31

I hope you have a great September and remind you that I am contactable via email at editor@ournarangba.com.au.

Regards, Darren More Editor

ADVERTISING For advertising rates, conditions and bookings please contact our team at ads@ournarangba.com.au or contact Darren More via phone on 0416 430 792.

BUSINESS HOURS Monday to Friday, 9am to 5pm DISTRIBUTION OurNarangba is available to residents and businesses within the Narangba area or online at www.ournarangba.com.au COPYRIGHT & DISCLAIMER No part of this magazine may be reproduced in whole or in part without written permission of the publisher. The information in this magazine is for information purposes only. OurNarangba and its editors, publishers and agents assume no liability or responsibility for any inaccurate, delayed or incomplete information, nor for any actions taken in reliance thereon.

The information contained about each individual, event or organisation has been provided by such individual, event organisers or organisation without verification by us. The opinion expressed in each article is the opinion of its author and does not necessarily reflect the opinion of OurNarangba. Therefore, OurNarangba carries no responsibility for the opinion expressed thereon.

INDEMNITY By advertising or submitting with OurNarangba you agree to indemnify all participating students or contributors and supporting businesses such as graphic designers and printers against any claims.

ABN 47 438 219 632

COVER PHOTO Tom Eckersley, David Callan, Robert Harvey, Will Smith, Mark Hourigan, Brad Smith, Anthony Dow, Michael Kennedy and Peter Fisher © Bass Photography

Get In Touch

covers the 4504 postcode

Editor: editor@ournarangba.com.au Advertising: ads@ournarangba.com.au Events: whatson@ournarangba.com.au Subscriptions: subscribe@ournarangba.com.au Story Ideas: katy@ournarangba.com.au

www.ournarangba.com.au Copyright ©2015 OurNarangba. All rights reserved.

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Narangba’s Best Kept (but not so hidden) Secret

by Yacine Khouzami

Here, you will find a thriving hub of innovation with world-class engineering facilities. But it’s not Silicon Valley. It is here that you will find sustainable businesses continually striving to reduce emissions and recycle waste. But it’s not in Melbourne. You will also find that it is connected to a gateway of major transport routes and export channels. But it’s not at the Port of Brisbane. As a matter of fact, there is an entire realm of innovation happening in your backyard.

If you guessed Narangba, you would be right! For those still scratching their heads, you might want to take a detour through Potassium Street the next time you’re driving down Boundary or Old Gympie Roads. You will probably be surprised to find over 200 businesses that manufacture everything from timber to aqua feed. But beware; do not go looking for signs that lead to Narangba Industrial Estate or you will be bound to get lost.

As of this month, the estate will be rebranded as the ‘Narangba Innovation Precinct’ to reflect the revolution of modern technology that has advanced the local industrial landscape. This initiative emerged after the formation of the Narangba Business Group late last year. Facilitator of the group, Anthony Dow, from Regional Development Australia (RDA) Moreton Bay said, ’It has taken only nine months to develop a group identity and program of activity that is already achieving business efficiencies and strengthened connections with the community and education groups.’

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Lead members of the group, including Michael Kennedy from Kennedy’s Timbers, want to showcase just how much the estate has evolved since the state government first developed the site over four decades ago. When the area was originally developed Northlake’s was a pine forest planation and there were few housing developments in the area. As the area changed and with consultation and proactive feedback from the local residential and business community a broader range of innovative general industry companies have established operations in the precinct. He likens innovation to the analogy of the motor car – If Henry Ford and the industry more generally weren’t innovative, we would never have seen the mass development and improvement of cars from polluting gas guzzlers to the green clean energy efficient models of today.

He also says in the past the precinct has received criticism as a result of toxic explosions and air pollution. As the site was originally designed for noxious businesses, including chemical and fertiliser plants, these events can be attributed to low levels of environmental compliance and poor operations from a small number of rogue operators. However, these rogue operators have left the precinct and there is now a high benchmark of world class innovation and sustainable environmental practices in place across this innovation precinct.

The existing signage for the area has also become infamous after severe weathering faded the signs over the years. By the end of this month, there will be fresh new signs unveiled which will reflect the essence of innovation in the precinct. The new colour scheme is also top notch and really captures the community spirit of Narangba.

Another key contributing factor to the success of the precinct is the growing abundance of local employment. According to RDA Moreton Bay, there is currently an equivalent of 1,800 full-time jobs directly in the precinct. In addition, over 7,000 indirect jobs have been generated through commerce to date. There are also over 100 apprentices and trainees who are employed by local businesses as a result of links with local high schools. By ‘powering the local economy,’ more opportunities will be created for residents to work close to home, without the need to travel all the way to Brisbane or the Sunshine Coast.

As economic growth in the wider area continues to expand, the Moreton Bay Regional Council, together with its partners, will acknowledge innovative individuals and businesses. The suitably titled ‘Moreton Bay Innovation Awards’ are expected to launch next month at the EDA National Economic Development Conference.

More details will be released following the official launch, and Mr Dow believes, ’The regional innovation awards will bring significant profile to the region and importantly, the talent and foresight of Moreton Bay business residents will be celebrated and shouted from the roof tops!’

One of the further steps of the rebranding for this precinct will be to change the local street names from chemical compounds to a theme which honours the great Australian innovators. If you fast forward a few years, the precinct is set to be more dynamic and community-centric than it currently is. Bob Harvey from Ridley AquaFeed put this best when he said, “These companies generate much of the wealth and employment in our local area, and hence are vitally important for the community to stay together and prosper and to provide the future opportunities for Narangba’s growing population, particularly that of our growing schoolchildren population.”

New signs to be installed in the Narangba Innovation Precinct >>

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Mark Ryan MP State Member for Morayfield

E

P 07 5343 5100 morayfield@parliament.qld.gov.au

PO Box 991 MORAYFIELD Q 4506

www.markryan.com.au Authorised by M. Ryan 3/67 Morayfield Road Caboolture South Qld 4510

Your independent councillor representing residents across 600km of Moreton Bay Region from Mt Nebo to Narangba.

Council Services: 3205 0555 Email: mbrc@moretonbay.qld.gov.au www.moretonbay.qld.gov.au Twitter.com/CrBobMillar | Facebook.com/bob.millar.92

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Qld Organics:

Local Businesses in the Innovation Precinct

by Hannah Forsdike

Get to know the individuals and local businesses operating from the Narangba Innovation Precinct, formerly known as the Narangba Industrial Estate. The precinct facilitates companies that provide jobs, contribute to local initiatives and engage in the community.

Qld Organics is a family company run by brothersin-law, Neil Petersen and Brad Smith. They are an Australian manufacturer and supplier of quality organic fertilisers, made from locally sourced ingredients.

Their manufacturing facility has been located in the Narangba Innovation Precinct for just over 20 years.

Qld Organics are proud to be a part of a community. They volunteer their time and expertise to be involved in local community initiatives and projects all over Brisbane. Recently, they supported Wyatt Roy’s Longman Youth Leadership forum, a leadership program for school students. This forum has inspired leadership in the students of local High Schools.

The Narangba Innovation Precinct provides a number of job opportunities for members of the community. ‘We have long-

term staff and we always source our employees from the local area,’ said Brad, Director/Owner of Queensland Organics.

The environmental impact and general safety of a concentrated industrial infrastructure so close to home could be a concern for any member of the community. Queensland Organics however prioritises production that is environmentally safe and friendly.

Not only does the company strive to produce an environmentally sustainable product, but through research and development, Brad is working towards finding more efficient and environmentally friendly methods of production.

‘Our goal is looking after the soil and environment. Our fertiliser is friendly to the environment so we want our production methods to be as well. We are currently working on a project to reduce our natural gas usage,’ said Brad.

The Narangba Innovation Precinct allows these companies to thrive and expand beyond Narangba, Brisbane and even Australia. Queensland Organics have broken down a market and recently started exporting to Vietnam. Brad said, ‘Hopefully exporting will become a bigger part of our business in the future.’

If you want to know more about Queensland Organics you can visit their website at www.qldorganics.com.au

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Ridley Gets Behind Narangba Youth

by Rebecca Fawcett-Smith

Ridley Aqua-Feed is a division of Ridley Corporation Ltd, Australia’s leading producer of premium quality and high performance animal nutrition solutions. Ridley’s Narangba based operation is the headquarters and primary manufacturing site for its aquaculture feed business and home to the Primo Aquaculture business unit.

Originally built by the Defiance group in 1987, the Narangba factory was acquired by Ridley Corporation in 1993 who have significantly upgraded and expanded the plant to what it is today. ‘It is very important for our business to be close to road, rail and shipping infrastructure, a readily available workforce, trade services providers, raw material and engineering spares supplies and finally, reliable power and utilities availability,’ said Bob Harvey, General Manager, Aqua-Feed. ‘Narangba is well situated to meet these requirements’.

Ridley is a major corporate sponsor of Aussie Helpers and the Garvan Institute of Medical Research. In addition to this, each Ridley manufacturing site is allocated a sum of money for local community initiatives. Over the past few years, the Narangba site has supported the local Deception Bay PCYC, The Longman Youth Foundation, animal rescue shelters - Fur Kids and Furry Friends - and a research project into the devastating Friedreich’s ataxia disease.

Most recently, Bob and fellow management team members, Justin Holgate and Lana Markovic, participated in a program run by Narangba Valley State High School, in which corporate volunteers engaged with students in mock job interview scenarios.

Approximately 25 mock interviews and feedback appraisals were performed. ‘It was actually quite a daunting experience for us …

Lana Markovic, Robert Harvey and Justin Holgate

with both verbal and written feedback for each student required in a very fast and tight timeframe,’ said Bob. ‘It was a bit like an interview version of speed dating’. The Ridley representatives thought it was a great initiative of the school and felt privileged to participate. ‘The students were really professional and took the exercise very seriously, so we wish them the best of success when it comes to the real thing,’ said Bob. Ridley Aqua-Feed also shares their resources with other business leaders in the Narangba Business Group, recently inviting them to a presentation on a new energy saving technology from an interstate supplier. ‘Some of these businesses do not have their own electrical engineers on staff … so they can benefit from listening to our technicians ask important questions to help them determine if it is suitable for their businesses also,’ said Bob.

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Packer Leather a Story of Generations Past, Present and Future

by Rebecca Fawcett-Smith

Packer Leather’s relocation to Narangba in 1972 was hard fought, with brothers Lindsay and Graham Packer battling in court for eight months for the Boundary Road site. Their determination paid off, as the company – once a small Brisbane tannery formed by their great-great-grandfather, Joseph, in 1891 – is now the most internationally recognised Australian performance leather producer and the name behind many of the world’s leading footwear and gloving brands.

A core value of Packer Leather is a commitment to the local community by putting back some of the monetary rewards from their business. ‘It’s something that is part of the DNA of the company,’ said Mark Hourigan, International Marketing & Sales Manager. ‘It’s not just a bolt on at the end’.

A partner of the Abbey Medieval Festival since its humble beginnings in a paddock in the late ‘80s, sponsors of the Caboolture Show Rodeo and supporters of a number of other local causes, Packer Leather’s community involvement is well-established and lowkey.

With fourth and fifth generation Packers currently sharing in the running of the business, it comes as no surprise that Packer Leather’s community involvement is strongly focused on the younger generation. As well as being long standing supporters of local school chaplaincy programs, Packer Leather is a corporate sponsor of the PCYC programs at Deception Bay. They are also a proud supporter of Red Frogs Australia, a support program for young people from the ages of 1525 that provides education at high school seminars along with assistance at events such as Schoolies, university orientation weeks and music festivals.

‘Red Frogs have a good story, they do a lot of good work and we’ve been there since year dot behind the scenes helping them out,’ said Mark.

The esteem in which Red Frogs appreciate the ongoing support from the Packers was expressed recently when Lindsay and Graham were presented with the “Steve Saunders” award by Andy Gourley, Founder and CEO of Red Frogs. This award goes to an individual or company who have

Andy Gourley, Founder/CEO of Red Frogs Australia, holding one of the Sherrin footballs commissioned

by Packer Leather

gone above and beyond in their support of Red Frogs and has only been presented on two occasions since Red Frogs’ inception in 1997.

For the Packers, community involvement has never been strategic. ‘It’s just how they are,’ said Mark.

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Cold Chisel Set to Rock Decades Festival 2015!

by Moreton Bay Regional Council

Legendary Australian rock outfit, Cold Chisel, will perform their classic Oz Rock anthems this October at the 2015 Decades Festival. With a history that spans forty years of live shows and much-loved songs/albums, Cold Chisel will be joined on this epic line-up by The Living End and Something for Kate, with general admission tickets selling fast at ninety-nine dollars.

The Living End have always forged their own path, irrespective of passing fads, haircuts, and any vogue for keytar-wielding debutantes. Their songs require of the listener a social conscience and mosh pit stamina, and give in return a visceral experience that’s flawlessly executed. It’s this attitude that’s earned the band four platinum and one gold album over a 10+ year career.

Similarly, over the past 2+ decades, Something for Kate have become one of Australia’s most successful and respected bands. They have released six top ten albums, are a household name, and yet still maintain an enigmatic presence on the Australian musical landscape.

The audience will be blown away inside the amphitheatre when these bands take the stage as the sun goes down, with Moreton Bay Regional Council Mayor, Allan Sutherland, saying that he couldn’t think of a better headline act for the Moreton Bay Region’s 2015 Decades Festival. ’It’s mind-blowing to think our region will host Aussie rock legends Cold Chisel and The Living End right here in Strathpine,’ Mayor Sutherland said.

Cold Chisel’s story is colourful, volatile and proud, and their music continues to be ingrained in the hearts of generations of Australians. Their One Night Stand tour will be no different, as they bring to the Decades Festival stage some of the classics like Cheap Wine, Choirgirl, When the War Is Over, Flame Trees, Bow River, Saturday Night and Khe Sanh. ’Strathpine’s intimate outdoor amphitheatre will deliver a unique Aussie rock experience that many die-hard Cold Chisel fans might never have experienced before,’ said Mayor Sutherland. ’Now in its second year, Decades Festival has cemented our region’s growing reputation as one of the best entertainment destinations in SouthEast Queensland.’

In addition to the concert, Decades Festival relives five decades of nostalgic music, food, fashions and vehicles from the ‘50s to the ‘90s, offering plenty of free entertainment for the whole family throughout the day. For more information on getting there or to purchase your tickets, visit decadesfestival.com.au.

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Winter Fashion She says: As a Queensland girl, I am accustomed to hot weather. So when the cold weather sets in, so does the confusion. I like to make sure I keep a variety of clothing each year to avoid the freeze of winter. First off, it is vital to have a long sleeve shirt! They are perfect for layering under outfits to keep you warm and maintain your stylish fashion choices. Next, a sweater.

By having a nice, warm sweater you don’t have to put any effort into your outfit. Simply wear it over some legging or jeans and it’s an instant hit! It can be worn at home, or when paired with some accessories, made classy enough to wear out. When it’s especially cold, it’s always good to have a thick jacket.

Whether denim or wool, they’re always a safe choice when trying to stay warm. Lastly, a scarf. Not only does it look lovely with most outfits, they are an excellent source of heat for both your neck and chest - very important when trying to maintain warmth. Oh, and don’t forget your Uggies and fluffy socks to keep you warm whilst you’re rugged up at home! All these items of clothing should be closet staples to help you fight the freeze of winter and maintain your style all-year-round!

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He Says: The season of summer dresses and sun-soaked hair has left us. To girls, it means a whole new wardrobe of scarves, jeans, stockings, jackets, sweaters and jumpsuits. To us, it’s a whole new exhibition to marvel at, and maybe the time to break out your jacket – for courting purposes only of course. Our number plates don’t lie; Queensland truly is the sunshine state. Thanks to the sun our skin is tanned, stubbies are everywhere, and winter is a completely optional social event. You could take part by eagerly suiting up in all your trendiest winter fashion, like the mod-mimics wrapping their pineapple-belfries in scarves, beanies, vests, and huge coats, or alternatively you can scoff at their sweaty pits and wear a jacket and pair of jeans. You won’t be lugging around layers of fabric and have a pool of sweat sloshing in your pits if you keep it practical. Your winter clothes – more specifically jacket or jumper – should have two functions; on when you’re cold, and off when she’s cold. You spent the first half of the year drooling over the centimetres of clothes girls seem to lose each summer.

Your drool has frozen, and their legs are shivering; it’s time to repay the favour gentlemen. You might not feel the warmth of your own jacket this winter, and you probably won’t need it, but her warmth is all that matters.

Community Digs Deep to Give the Pawfect Gift of Sight

By Petbarn

Thanks to the generosity of the local community who contributed $625 to Petbarn Foundation’s national Seeing Eye Dog Australia fundraising appeal, 12 special puppies will be able to receive training to help enhance the mobility and independence of Australians who are blind or vision impaired. Over a period of six weeks, $397,379 was raised across all Petbarn stores nationally.

Leigh Garwood, General Manager of Seeing Eye Dogs Australia (SEDA), says he is thrilled with the result of this year’s fundraising campaign and cannot wait to find the perfect home for these new dogs. ’I would like to thank the local community for showing their support in this year’s Petbarn Foundation national SEDA fundraising appeal. It is because of their kind donations that these gorgeous puppies will be able to undergo training to one day provide the gift of independence for 12 Australians who are blind or have very low vision,’ said Leigh. ’It will take close to two years of training for the 12 playful puppies to become official SEDA dogs.

For the first year the focus will be on developing their basic socialisation skills and obedience.

After this, each dog will receive up to six months of intensive advanced training with a specialised instructor,’ he continued.

Scott Charters, Director of the Petbarn Foundation, says he is blown away by the kindness of the community. ’We set out with the goal to raise enough money to help SEDA train six puppies and thanks to the compassion of our customers, we ended up more than doubling that figure. I am truly overwhelmed by the generosity of the community and would like to extend my gratitude to everyone who participated in the appeal. I would also like to give a special mention to Royal Canin who generously donated $35,000 to kick-start the donation drive,’ said Scott.

Recently, Petbarn invited customers to help name the 12 SEDA puppies through an online poll.

The chosen names include Missy, Tilly, Willow, Benson, Oscar, Toby, Belle, Macy, Molly, Benji, Milo and Yogi. Locals are invited to check Petbarn’s Facebook page to follow the journey of the adorable SEDA puppies.

To find out more information about the SEDA appeal, contact Petbarn North Lakes: 55 Flinders Parade, North Lakes, call 3181 3291 or visit www.petbarn.com.au or www.seda.visionaustralia.org

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with Oxmar Properties

Organise Your Closet with These Easy Steps There is no doubt that most of us struggle to find more wardrobe space and are afraid of what we could unleash when trying to deal with the monster in the wardrobe. Well, it is finally time to take back control and tame that clutter monster of yours with these helpful steps!

1.

Identify We do not need an introduction to these common complaints…

“I haven’t got anything to wear”, “I can’t find…” and “…is in the wash”! When it comes to your wardrobe, the key to success is pretty simple - identify the main reason for organising it. This will in turn give you the motivation to tackle the clutter monster head on.

4.

Clear Out It is important to sort the contents into sections to avoid getting overwhelmed. Categorise your clothing into ‘definitely keeping’, ‘questionable’ and ‘definitely getting rid of’. From there, create piles of the following: frequent use, infrequent use, seasons, charity items, giveaways, sell and rubbish. Remember BE RUTHLESS! Call in an honest friend for help if you have trouble letting go!

5.

Organise Begin with the items you are not keeping (charity items, giveaways, sell and rubbish). Make sure you bag up the items for each section and deal with these in the same week to avoid piles lingering in your house.

Ultimately, the goal is to ensure that everything using space is earning its place. In return, this will allow you to easily find what you need, when you need it, in a no-fuss approach.

2. Remove

Literally, take everything out of your wardrobe and drawers. This gives you a completely empty canvas for you to see exactly what you have in terms of clothes and space.

3.

Consider Consider all areas as vital space. It can help to draw a picture of the space you have to work with, marking where you would like certain items to go. Always remember, accessible vs. less accessible and frequent vs. infrequent.

The items you are keeping need to be put back in a way that makes sense to how often you intend to use them. Place frequently used items in the easiest to access areas and the infrequent and out of season clothes in a spot that you can access when needed. If you are really short on space, consider utilising a completely different location such as the guest bedroom or suitcases.

Congratulations! manageable!

wardrobe

has

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Don’t Work Till You Drop With Australians now looking forward to 20 years or more in retirement, your super alone may not be enough to fund a comfortable retirement lifestyle. Here are some tips to help you build a bigger nest egg sooner — so you can retire when you want to, not just when you can afford to.

When we’re retiring Some people will choose to keep working, at least parttime, beyond retirement age. But most hope to leave the workforce altogether. In the last five years, the retirement age was between 61 and 63, with women tending to retire just shy of their 60th birthday.¹ If you’re hoping to retire before 65, you need to plan ahead.

By 2023, the Government will gradually have increased the pension age to 67. And with 75% of Australians over 65 relying on a full or part pension to get by², that could affect your ability to retire as early as you’d like.

The great super shortfall Many Australians predict they won’t have enough for a comfortable retirement - estimated to be about $58,444 a year for a couple³. According to recent research by MLC, about one third of Australians think they’ll fall significantly short of this target, with another 25% expecting to fall at least somewhat short of it.4

This information has been prepared by GWM Adviser Services Limited ABN 96 002 071 749 AFSL 230692, a National Australia Group Company, 105-153 Miller Street, North Sydney NSW 2060 Australia.

Take control of your super There’s plenty you can do to boost your retirement savings.

Use a calculator to estimate the amount you’ll need to support your ideal retirement lifestyle. If you discover you’re not saving enough, you can consider implementing some of the following strategies (if you are eligible): • Salary sacrifice: contribute regularly to your super from your pre-tax salary.

• Personal contributions: put a bonus or tax refund to work by adding it to your super savings, or simply top up your super with a regular payment from your after-tax income.

• Transition to retirement: if you’re over 55 and planning to cut your working hours, a transition to retirement strategy could help you maintain your after-tax income and boost your super at the same time.

But remember, there are caps on the amounts you can put into super each year, so you need to do your homework before you invest. ¹ Australian Bureau of Statistics (2013) ‘One in five plan to retire at 70 or

older’ hwww.abs.gov.au/ausstats%5Cabs@.nsf/mediareleasesbyCatalogue FA701E410A126C43CA2573D700161420?Opendocument

² Rice Warner, Reforming the Age Pension, August 2012. ³ AFSA (2015) ‘AFSA Retirement Standard’ 4

www.superannuation.asn.au/resources/retirement-standard MLC Retirement Survey, February 2014.

Lee Bowden and MLC Advice North Lakes Pty Ltd are authorised representatives of GWM Adviser Services Limited trading as MLC Advice ABN 96 002 071 749, AFSL No 230692 (GWMAS), Registered Office at 105 - 153 Miller Street North Sydney NSW 2060. GWMAS is part of the National Australia Bank Group of companies. MLC Advice North Lakes Pty Ltd is not part of the National Australia Bank Group of Companies. National Australia Bank does not guarantee or otherwise accept any liability in respect of MLC Advice North Lakes or GWMAS. A116179-0515.

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Should Your First Home be an Investment Property?

If you’re buying your first property, the first thing you need to do is decide whether to buy it as a home or a rental property. This decision will impact on everything else you do down the line.

The upsides of buying your home first: 1. You may be able to access the First Home Owner Grant The First Home Owner Grant is still available to first home buyers and could help you in a big way if you qualify.

2. You don’t have to pay tax when you sell If you buy your first property as a home you won’t have to pay capital gains tax (CGT) when you sell, as long as you’ve lived in this property for the whole time and haven’t earned any income from it.

3. Potentially easier to get a mortgage The recent crackdown on investment lending will likely make it more difficult for investors to get a loan.

3. You can potentially borrow more You can potentially get more money from the banks, thanks to the rental income you’ll be getting from your investment property. While lenders will apply different criteria, generally they take about 60% of the rental income as a proportion and use this in their calculation of your borrowing capacity.

4. You can claim deductible expenses There are a range of expenses that you can claim as tax deductions in relation to your rental property. For example, in most cases you can claim interest payments, maintenance costs and rates, among others.

5. You can take advantage of negative gearing benefits Negative gearing means your investment property is earning less than the cost of holding it. You can then claim these losses as tax deductions against your taxable income.

Disadvantages of buying an investment property first: 1. You pay CGT on sale of the property You pay capital gains tax when you sell your rental property, although if you have held the property for longer than 12 months you will get a 50% concession.

2. You have no access to federal and state government grants Buying an investment property makes you ineligible for the assistance provided by the federal and state governments for first home buyers.

The upsides of buying an investment property first: 1. Cash flow You could earn regular income that will help you better manage your cash flow. Essentially, your tenants are paying your mortgage repayments.

2. You may pay lower repayments Lenders often allow you to pay just the interest on your mortgage for a number of years. This can make it easier to hold your property and will likely put less strain on your budget.

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Prior to rote memorisation children should understand the following:

Why Children Should Know Their Multiplication Tables Last week I bought half a kilogram of ham from my local delicatessen.

The electronic pricing feature on the scales was not working so the young lady had to work out the cost in her head. To her great embarrassment, she was unable to mentally calculate what half of $14.00 would be. I had to tell her the cost. To me this said a lot about today’s reliance by students on calculators.

Knowing multiplication tables is an essential skill for children to master, providing a solid foundation in mathematics which will benefit them throughout school and beyond. Multiplication is vital to learning different concepts in mathematics including multiples, factors, division, algebra, ratio and fractions.

Children must know the language and patterns involved in tables to assist full understanding of multiplication concepts.

Memorisation without understanding can make it difficult for children to apply their knowledge when solving mathematical problems.

• The Commutative Rule: Numbers being multiplied can be reversed without affecting the result (e.g. 8x3 = 24 so; 3x8 =24) • Multiplication is repeated addition: (e.g. 3x8 is another way of saying 8+8+8) • The Distributive Rule: (e.g. 3x15 is the same as 3x10 + 3x5) • The relationship between multiplication and division: (e.g. If 3 groups of 8 make 24, then 24 objects can be separated into 8 groups of 3, or 3 groups of 8) Initially, young children should explore and model multiplication concepts and language using hands on materials to make ‘groups of’. They then move on to counting in ones, twos, fives and tens in rhythmic patterns.

From here, children progress to learning tables formally and understanding that a number sentence can be used to represent multiplication. They are counting by threes, fours, sixes, sevens, eights or nines and should learn their tables at least to 10x10.

By High School, children are expected to multiply using three and four digit numbers. Accuracy with tables is assumed at this age as students should have a level of automaticity and understanding which assists them to solve mathematical problems.

Therefore, knowing multiplication tables is a vital mathematical skill. Is your child understanding and using their tables appropriately for their developmental level? If not, you can assist them by finding out what they already know and by making sure they understand the concepts and rules needed. Be interested and supportive of their efforts. Once learnt, tables are automatic and are applied regularly in day-to-day life. So, have fun and celebrate each success with your child on their journey to mastering their tables.

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The Importance of ‘Mindfullness’

by Amy Wong Clinical Psychologist at Morayfield Psychology Centre

A lot of people have probably heard of the word ‘mindfulness’ in recent times. It is a practice that has been around for centuries, but has only become more commonly known and spoken about in recent years. The frequency of it being mentioned these days has made it almost like a trendy skill or a ‘must have tool’ in promoting emotional health. So what is mindfulness and how do we equip ourselves with this ‘tool’?

Mindfulness is a form of meditation originating from a Buddhism concept. It is a ‘state of mind’ or a ‘state of being’ when our mind is made aware of what is happening in the moment with our external and internal environment. Whilst being aware of the different sources of stimulus, our mind is cultivated and channelled to only pay attention to those stimulus without elaboration or judgement.

Quite often, people tend to analyse thought or feeling, or label it as good or bad, like or dislike. When the thought or feeling is interpreted as bad, wrong, or dislike, the automatic reaction for most human beings is to push it away as we are habitual in steering away from suffering. Mindfulness is about not pushing things away; instead staying in the moment with full awareness and being neither reactive nor judgemental in response.

When our mind reaches that stage, it is called ‘unconditional acceptance’ of our thoughts, feelings and sensations.

Different from many other conventional meditation methods which require the meditator to sit still while focusing on breathing, mindfulness can be achieved in everyday living. Have you ever enjoyed a movie so much that you forgot about who was sitting next to you? Have you ever been so absorbed in a storybook that you felt as if you were with the story characters? If it has happened to you, it means that you have reached some mindfulness moments in the past.

Mindfulness practice has been adapted for the treatment of many mental health conditions such as depression, anxiety and borderline personality disorder. However, due to its effectiveness in relaxation and enhancement of control of our own mind, it is useful for anyone to practise, regardless of your physical or mental health status.

At Morayfield Psychology Centre, mindfulness training sessions are provided free for clients, existing and new. If you would like to find out more information on what mindfulness is or the training they provide, contact the clinic on 5495 6668.

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reaching into the cupboard for more snacks and sitting my butt down again at my desk.

I Fell Off the Wagon Just to let you know, yes, I am human and very normal. Why? I recently fell off the wagon. And I, like many, pulled out all the arsenal of excuses, reasons and defences I could find.

Let me tell you, I have a bucketload of them!

Day by day went by and I’d tell myself, I’ll start again tomorrow. Tomorrow is a new day, I have a plan of attack, I’m ready to go. But that day happened and went, and there I was, back at square one again. How the heck could that happen AGAIN? Kids, family, work, colds, busy being busy and just plain lazy that’s how! Now it feels like it has been ages - although probably only really about two weeks - which I know isn’t that long, but it’s long enough. My mental state has lost its sharpness and alertness, and my physical state...well that’s just killing me I just feel so out of whack with everything. I can’t seem to focus or get on top of simple things, I see my clients coming in making great progress and I keep kicking myself up the butt to get moving. Those nice little voices in my head are having a great time knocking me about, only resulting in my

No, this is not normally me, but sometimes a little knock has a bit of a knock-on effect, and like dominoes we’re suddenly on a bit of a downhill run. So now I’m getting into my books, food, nutrition, psychology (yes, we’re all a bit nuts!) and getting my journal back out to write down what the heck is going on.

I’ve called on my support group to keep me accountable to training, work commitments and life. It’s amazing - when you actually reach out and ask for help, there is always someone there. It’s about breaking it down into little, bite-sized chunks.

Just set yourself one small task and get it done.

Put aside 10 minutes to jump up and down, run around, do push-ups, sit-ups, squats anything, anywhere - but just get it done!

Start off small and the rest will follow.

Once those little things get ticked off the list, you’ll find yourself powering through the next task. Put the timer on and say to yourself, “Only 10 minutes”, and then see how you feel. I promise you can do it and you’ll feel better for it. Now go!

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Jurassic World Making Lemonade I’m sure most of you have seen Jurassic Park at some point. If so, you’d remember the wonder of seeing dinosaurs brought to life and wishing for the chance to go to such an awe inspiring place… until of course, the power went out.

Now, as far as sequels go, The Lost World; Jurassic Park wasn’t high up on my favourites. Jurassic Park III did only marginally better with the return of Dr. Alan Grant.

Jurassic Park though? Let me just say this: If you haven’t seen it yet, DO. IT. NOW. Don’t get me wrong. If you’re looking for something new and original, Jurassic Park is not that movie.

It also isn’t a remake, for any of you who are still unsure. It is however incredibly nostalgic.

With the added brilliance of today’s CGI effects, Jurassic Park takes a classic and creates a sequel with very strong symbolic overtones.

We’re talking about the same park, years in the future. The same cockiness that comes from having too much power and, of course, too much money. The same eagerness to play God. The same mistakes. Almost the same plot points.

For Linda Morse.

Forgetting her cateye reading glasses are hanging from her collar, Belinda squints at the writing prompt to jog her memory.

Three prompt challenge: 1. Lemons.

2. Keys.

3. Hair Ties.

Re-tucking loose strands from her prematurely grey beehive behind her ears, she unearths a brand-new, forgotten notebook from her just-as-patchy bag. Gilded butterflies are entrapped in covers of the foggiest grey. Under the cover of fiction, she writes in fibre-tip pen: ‘When life hands you lemons, make lemonade,’ my Gran always said.

Those days she said some crazy things, though. One time she told me that the car wouldn’t start without hair ties, but what she meant was the car wouldn’t start without the keys. She did crazy things too, like putting her car keys in the freezer - why did she do that?

My Gran had lovely hair, until Mum took her to get it cut because Gran wasn’t well enough to look after it herself. As the hair fell to the floor, I remembered how Gran used to wear it in a plait, which pointed at her tie-dyed pants and leather sandals. Mum said this, coupled with the oceanic shirts, made Gran a hippie.

‘The only free love humankind should practice is that of surviving the ’60s,’ Mum would always declare.

But with Chris Pratt and his awesome raptors thrown in, there are plenty of Easter egg moments too. And I think (rather than attempting to take over or to just renew the Jurassic Park franchise) they’ve made this movie into a tribute to the original and it just works! They’ve done it so fabu-lously well that anyone who watched Jurassic Park and loved it the first time round, cannot help but enjoy this new addition to the franchise simply because of the nostalgia felt. And Chris Pratt and his raptors.

Did I mention them already?

Though the movie does try to up the ante with the addition of their newest monster, they’ve done so in a way that the movie itself almost appears to be rolling its eyes at the cliché, and this makes the plot device fun rather than tiring. Yes, the movie can be predictable, but that’s not why we go to see movies about dinosaurs is it? We go for the fun of running and screaming and dinosaurs and trust me…this movie does fun well.

Out of ten, I rate JURASSIC world: Plot - 7/10

Characterisation - 7/10

Sequel Symbolism - 8/10

CGI - 9.5/10

Dinosaurs - 8.2/10

Overall rating - 8.2/10

My recommended dinosaur movie list:

• Jurassic Park • Dinosaur • Walking with Dinosaurs • The Land Before Time

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My Mum also got angry when her mum told the same stories over and over again, but I didn’t. I loved how Gran loved to tell me stories of her timeless youth. Marching down the streets of Melbourne to protest against the Vietnam War. Lunching at a coffee shop in Carlton called The Bread Stick during her breaks from working at the local university. Lay-bying treasures for her glory box from a pottery shop next door. How her explanation of all this old stuff became another story altogether.

Obviously, my Gran was super smart and funny, but she also cried a lot. These tears weren’t of laughter, but of loss.

The last time I saw Gran in her new house I asked if she still felt lost.

She smiled as though she had even forgotten how to smile, and said, ’When life hands you lemons, make lemonade.’ Writing this, I finally understand what Gran meant, and I also know she wasn’t crazy, just sick - she had dementia.

Belinda is breaking the lemony rules of writing to make her own lemonade, but this doesn’t matter. What matters is the actuality behind her artifice: a literary game of hide-and-go-seek in which the hider touches her nose to the dusty, dandelion curtain, unaware her shadow betrays her whereabouts.

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Australia’s Biggest Bush Dance - 5:30pm to 8pm Beaconsfield Terrace, Margate. This family-friendly community event will include bush dancing, prizes and food stalls all under the stars in Margate. The entry fee is $15 for families or $5 for individuals, with all proceeds going towards school chaplains. www.redcliffefestival.com.au/australias-biggest-bush-dance

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BROWN SUGAR SCRUB

Homemade Lip Scrub

• 3 heaped tsp brown sugar • 1 tsp coconut oil • 1 tsp honey

The cooler months of the year can leave you with sore, cracked lips. It’s so important to look after your lips and keep them protected from the weather, but sometimes lip balm just isn’t enough. This month I’ll be showing you how to make a lip exfoliating scrub with ingredients you will likely already have in the pantry.

STRAWBERRY FAIRY SCRUB

I have two recipes for you today. One is simple but effective and the other is a bit more fun. The key ingredient in both of these is coconut oil. I personally think coconut oil is an essential in every pantry. Aside from being great for cooking in general, it can also be used as a natural moisturiser, deodorant and more! However, olive oil works as an alternative in these recipes.

• • • • •

3 heaped tsp caster sugar 1 tsp coconut oil 1 drop strawberry flavouring essence 1 drop pink food dye 1 pinch hundreds and thousands

Mix all the ingredients together in a dish and store in an airtight jar. I found the pictured little plastic containers at a craft store. You may want to experiment with quantities judging by the size of your container.

Coconut oil can come in a solid or liquid form depending on the temperature. If your coconut oil is solid, put it in a dish and microwave for 10 seconds to liquefy it. Because of this, your lip scrub may be wet some days and solid on others. But not to worry, it works just as well both ways.

To use, rub the scrub between your lips or use the tip of your finger to apply in circular motions. This will exfoliate your lips, removing any dead skin. You can either rinse the residue off or it’s safe to eat – and the strawberry flavour is pretty delicious! Follow up by applying ChapStick and you’ve got an easy addition to your daily skin care routine.

Note: If you are allergic to any of the ingredients I’ve used, a quick Google search will give you a thousand alternate recipes.

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Photo supplied by Valeco Racing Anita Blaker Photography©

The Lakeside circuit cuts through grassland along the shores of Lake Kurwongbah, and is situated only a short 10 minute drive from Narangba.

Narangba’s Favourite Raceway

by Katy More

One of Australia’s most favourite and classic circuits – Lakeside Park – is right next door to Narangba. A world where male drivers have no physical advantages over female drivers and where teamwork is of the highest importance, with the driver only as fast as the car he/ she is in.

John Tetley, CEO of QLD Raceways and tenant at Lakeside until 2037, took a moment to speak with us about Lakeside’s past, present and future.

Why do you think Lakeside is such a favourite?

If you go back to the late 20th century, and we are talking late 1980s/1990s, and asked someone in England if they could name sporting venues in Queensland, this would have been one that they mentioned. It was the second most recognised venue after Woolloongabba. They had their first race meeting in 1961 when they finally finished the bitumen. In 2011 we had a 50th Anniversary and 24 of the people from the original race meeting were in attendance.

I am pretty confident that there are only two tracks left in Australia from the 1964 to 1975 Tasman Series. Formula One drivers such as Jim Clark, Jackie Stewart, Stirling Moss and Jack Brabhamall raced here in those days. That quality of vehicle and driver gets international press.

How has the industry changed since the Tasman Series days to now?

It is more a society change than industry change. We can no longer accept that someone can die in a car doing something that they want to do, so the ”nanny state” is much more concerned with Workplace Health and Safety then we ever would have been before. That, to some extent, has caused what was already a pretty conservative industry to become more conservative. Personally, I am more interested in the recreation side of racing, not so much V8 Supercars. Although they do run on the other track, I decided not to do that anymore at Lakeside. The focus is now more about making it a day that is enjoyable for all the family as opposed to having people competing at the highest level.

Who has been the most famous driver, in your mind, that has been here at Lakeside?

For me it always goes back to Kevin Bartlett – a multiple gold star winner who couldn’t really mix it with the internationals because he just didn’t have the money or the cars to do it, and yet for all of that, he was always right up there with them and on a good day could take them out. Yet Kevin is still, to this day, just a regular bloke.

Now if you asked who was the best driver that was ever here?

Jim Clark. He was the first man to go through the kink flat-chat, and then once he did it, everyone else had to do it. I speak from the point of view of being a racing driver myself, so the attributes I admire in drivers may not be the same as others do. Peter Brock has been here for example.

How would you best describe the racing world?

I would describe the racing car as a company, the driver the salesman, the track the market and the CEO as the guy who has to work out how much money can be spent on the design, tyres, do you go after that particular track or what do we do? There is a lot of decisions that need to be made. You don’t have to be a good driver to be in the racing world. Freddy Gibson wasn’t all that good but he sure knew how to put a race team together.

With the next generation moving more towards gaming as recreation, do you think there will still be a need for places like Lakeside in the future?

There have always been bookworms that would rather stick with the paper books. The type of young people we have, a lot of them come out to do the drifting and they have a great time doing it. It is what they like to do. If I had to give my own opinion, it would be that we appear to have bred out the competitive factor in people from their early years where ‘everyone gets a prize’ and there are no losers, so no-one learns how to handle failure. This is a potential issue for competitive motorsport in the future. Having said that, the average age group for Drifters is 24 to 30+. The guys and gals, yes girls do it too, are more into the “let’s make noise and smoke” side of things. Some of them then move into sprinting and then move into racing. Friday Night Drift Practice is a great “boy meets girl” environment, in fact that is true for all the drifting at Qld Raceway where you’ll find 700 or so young people on any given night and about 100 cars on the track.

The circuit, formerly known as Lakeside International Raceway, is about much more than just racing as it hosts programs such as Driving for the Blind, Fishing for the Disabled and GoKarting to name just a few of its community activities.

The Corporate Facilities at Lakeside Park, have hosted launch events for some of the world’s best known and most prestigious brands including Bentley, Audi, Porsche, Volvo and VW, meaning their events team have an excellent understanding of how to create the perfect wedding or launch event.

For more information about Lakeside Park, or its sister track, Queensland Raceway, visit www.qldraceways.com.au.

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