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September, 2018

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South Australian Governor Hieu Van Le and his wife Lan tell their Australian story

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SEPTEMBER, 2018// SENIORS

Spring into September Gail Forrer Seniors Group Editor

42 Money matters

46

Top gardening tips INDEX 3 Cover Story: Hieu Van Le AC 6 News: Speak My Language 8 Profile: Prostate cancer survivors 10 Community Group Guide 17 What’s on 20 Talk ‘n’ Thoughts 23 Wellbeing 31 Wanderlust 39 Living 42 Money 46 Spring gardening tips 47 Puzzles

HELLO readers, welcome to this month’s spring edition.

Spring is traditionally a time of renewal and I believe our cover story truly highlights this theme.

In many ways the extraordinary life of South Australian Governor Hieu Van Le runs like a movie – but this is no fantasy, it is real life and I think its authenticity gives us all hope for a better future and even renewal, no matter our age or circumstances.

I hope you enjoy Tracey Johnstone’s story as much as I did.

In celebration of spring, we speak to local gardeners who share their tips for a flourishing and fertile garden and, let’s face it, there is nothing like first-hand advice from people who love their gardens.

Speaking of blooming gardens, in terms of travel we take a look at some of the best gardens in the world, featuring vast fields of buds, blooms and breathtaking colours. The bucket list of great world destinations continues, with another list of magnificent places on Earth to explore.

But to participate in

gardening and travel we need to enjoy good health and, as always, our Wellbeing section shares an array of tips and hints to keep us good stead.

Our Living section also endeavours to reveal fresh ideas to enhance our lifestyles.

But here at Seniors News, we recognise the many aspects of life and this month in our Talk ‘n’ Thoughts section we highlight the HILDA report, a survey that has been tracking particular families since 2001, in order to gather social and economic data that may ultimately influence key government decision-makers.

It’s not all good news and we stand with National Seniors and The Benevolent Society campaign to improve the pension.

I trust you will enjoy our range of stories.

Gail

CONTACT US General Manager Geoff Crockett – 07 5430 1006 geoff.crockett@news.com.au Editor Gail Forrer – 07 5435 3203 gail.forrer@seniorsnewspaper.com.au Media Sales Executive Brett Mauger – 07 5435 3203 brett.mauger@seniorsnewspaper.com.au Online Get your news online at www.seniorsnews.com.au Advertising, editorial and distribution enquiries Phone: 1300 880 265 or (07) 5435 3200 Email: advertising@seniorsnewspaper.com.au or editor@seniorsnewspaper.com.au Location: 2 Newspaper Place, Maroochydore 4558 Website: www.seniorsnews.com.au Subscriptions Only $39.90 for one year (12 editions) including GST and postage anywhere in Australia. Please call our circulations services on 1300 361 604 and quote “Brisbane Seniors Newspaper”.

The Seniors Newspaper is published monthly and distributed free in southeast Queensland and northern New South Wales.

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Published by News Corp Australia.

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Opinions expressed by contributors to Seniors Newspapers are not necessarily those of the editor or the owner/publisher and publication of advertisements implies no endorsement by the owner/publisher.

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COVER STORY

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Refugee’s life of service

From a tiny boat to the top job Tracey Johnstone

“G’DAY mate! Welcome to Australia.”

The shouted greeting wasn’t anything like what Hieu Van Le AC and his wife Lan expected to hear when they fearfully arrived in Australia.

They arrived in 1977 as part of the early wave of Vietnamese refugees, huddled in a 15m wooden fishing boat with 40 other people. The trip was “horrendous”.

After weeks at sea and violent rejection by coast guards along the way, the refugees arrived in the pitch dark at Melville Island.

In heavy dawn fog of the following day and with grave doubts as to how Australian officialdom would receive them, their tattered boat chugged clumsily into Darwin Harbour, exhausted by the long journey.

“All of a sudden, coming towards us was the sound of an outboard motor,” Mr Le said.

In the distance was a fast approaching tinnie with two blokes resplendent in singlets and shorts, hats, white zinc noses, beer cans in hand and fishing rods perched on the stern.

“As they got close to our hull one of them raised his stubbie up, as if proposing a toast, and shouted out,‘g’day mate!

Welcome to Australia’.”

Every day for the last 41 years, the 64-year-old reminds himself of that greeting.

“It was the first experience I had with Australian people and it

MUCH APPRECIATED: South Australian Governor, His Excellency Hieu Van Le AC and Mrs Van Le in the grounds of Government House.

Photo: AAP / Dean Martin

Mr Le at Proclamation Day in Glenelg North, South Australia.

Photo: Calum Robertson

Queen Elizabeth II receives Mr Le and his wife at Buckingham Palace in 2016.

Photo: WPA Pool

made a deep impression.” he said.

“I knew instantly we had arrived in a welcoming country, one where a laconic, easy-going attitude was the promise of a ‘fair go’.

making the best of what was in front of him. His journey has been one of persistence and resilience.

His life, both then and now, has had many facets. After escaping the

“Back then the arrival of boat people like us was considered a significant event.”

Mr Le landed in Australia at age 23, armed only with a bright mind and a firm belief in

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ravages of the Vietnam War, he completed two Adelaide University degrees before working as a senior corporate regulator.

Prior to becoming South Australia’s Governor, Mr

Le also served for several years as member of the South Australian Multicultural and Ethnic Commission (SAMEAC).

His personal, long-term, mission through these roles has been to promote Australia’s cultural diversity and harmony.

Prior to 1977 Australia was populated largely by people of Anglo-Celtic and European backgrounds.

Then in the ’70s came the large waves of immigrants from South East Asia. These immigrants are now ageing into their senior years.

In his previous roles with SAMEAC, Mr Le noticed some important challenges ahead for ageing immigrants, particularly where English is not their first language.

“Over the years, migrants have come to our shores from all corners of the world,” he said.

“Each of these may have its own cultural beliefs, traditions, practices, traditional medicines and circumstances that need to be taken into account in our aged care and health system.

“Some people may revert to a place of comfort, returning to their mother tongue or preferring their traditional food and customs.

“For many cultures, the concept of nursing homes or intensive care, which is given to elders in our society, are quite different experiences to those found in their native countries.

“In many cultures, older people stay in their home, in the extended family until they pass away, surrounded by the children, grandchildren and even their CONTINUED ON PAGE 4

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Fighting for a fairer go FROM PAGE 3 great-grandchildren.

“The warmth of being surrounded by family members and the ambience of the bustle of daily activities plays an important part in their later lives.”

Mr Le points to the busy lifestyles that people lead today, leaving many time-poor due to pressures of work, or running a business, raising a young family, and the demands of constant and instant news and

communications.

“People may, in some circumstance, have very little time for themselves let alone for their family and elderly parents,” he said.

“This demand on their time, and many other pressures, means that trying to find a way to make it easier for everybody is to place a loved one’s care into someone else’s hands.

“The challenge is that their parents and grandparents may in some circumstances feel

‘‘

“I knew instantly we had arrived in a welcoming country,” Mr Le they are a visitor rather than an integral part of the family at the very time they should be enjoying the fruits of their working life and the happiness that brings.”

Mr Le and his wife have two adult sons of whom

they are very proud.

Having cared for his own mother who lived until her 90s, Mr Le is well aware of the demands that brings both emotionally and physically in wanting to provide the best support for them.

“Having experienced that, as parents we don’t want to impose a burden on our sons,” he said.

“We fully understand the pressures they would be under.”

He smiles and chuckles when he adds “Lan and I would, of course, one day, love to have some grandchildren; no pressure”.

Mr Le has enjoyed every phase of his life and appreciated the many experiences they have brought, even when confronted with adversity.

A FAIR GO FOR ALL: SA Governor Hieu Van Le AC with Tina Wang, Rui Love, Alice Li, Tian Love, Payel Rahman and Kylie Oyama.

“I believe there is a strength and resilience deep in everybody. It comes to the fore when challenges provide an opportunity for it to shine through,” Mr Le said.

He still has a journey ahead in which he hopes to “continue to do the best I can and enjoy a fulfilling life, at every stage of the journey”.

And he will follow his passion of helping to make Australia’s egalitarian society even better, fairer and more compassionate.

Photo: Calum Robertson

SENIORS \\SEPTEMBER, 2018

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SEPTEMBER, 2018// SENIORS

Radio for all languages New program provides aged care insights for all ethnicities

ageing barriers including isolation and difficulties to access the assistance they need, and come to understand better Australia’s aged care system and services.

Some of the topics to be discussed on air will be ageing well in Australia, My Aged Care, the Commonwealth Home Support Program, understanding assessments, carers, complains, dementia, elder abuse and future planning.

Speak My Language has been developed by the Ethnic Communities’ Council of NSW and funded by the Federal Government.

“By harnessing the power of ethnic radio, Speak My Language can beam live on air to reach thousands of isolated seniors and families who have yet to be reached or assisted with the aged care service system,” chair of the council Marta Terracciano said.

Research done by the council in 2016 and 2017

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SPEAK My Language is a new radio broadcast program aimed at informing seniors from culturally and linguistically diverse backgrounds (CALD) and their carers about aged care issues.

The program will use 80 ethnic community radio stations NSW, Queensland, Victoria, the ACT and Tasmania.

It will be available in Chinese, Greek, Italian, Spanish, Russian, Macedonian, Serbian, Turkish, Hindi, Punjabi, Urdu, Vietnamese, Khmer, Tagalog, Arabic, Polish, Samoan, Japanese, Korean, Malaysian, Bengali, Portuguese, Dari, Nepalese, Tongan and Thai.

Through Speak My Language, CALD seniors will be able to tell and listen to stories in their own language.

It is expected these in-language conversations will help CALD seniors to connect with members of their community, share strategies to overcome

SENIORS \\SEPTEMBER, 2018

NEWS

7

Artists catching nature’s jewels Quinn Jones

JEWELS IN THE LANDSCAPE: Artists take inspiration from the landscapes of southern Moreton Bay, for instance, Trish Miller’s Norfolk Track, which was inspired by her walks on Coochiemudlo Island.

Photo: Trish Miller

Millie and Janet busy beading on the island.

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painter. “(Millie) saw our work at one of the Coochiemudlo Hand-made markets,” Trish said.

“We’re not really crafters... it’s not just threading beads onto a bit of string, it’s really skilful work using a number of different techniques developed over many years.

“And as an artist, she recognised the difference between fine art and craft and, having in mind this exhibition, thought our work would fit in really well with her concept. So to be invited to exhibit at this level was quite exciting.”

Trish said the artists, who have self-funded the exhibition, hope to really impress with their skills, style and passion.

And if it results in sales and commissions – so much the better!

“I get pleasure from people, and I think the other women are the same, just walking around

and going ‘oh ah, oh ah, aren’t they beautiful!’”

Trish said.

“There’s been a real lot of satisfaction just from making the pieces, thinking about how they are going to be displayed and knowing people are going to come through and admire them.”

For those keen to see the work in person, the artists are honoured to present Jewels in the Landscape at the Percolator Gallery on 134 Latrobe Terrace, Paddington, Brisbane from Tuesday, October 2 to Sunday, October 7.

A ‘meet the artists’ night will be held on Friday, October 5 from 6pm, and there will be an informative and hands on beading and jewellery workshop held on Wednesday, October 3 from 10.30am.

For more information, phone Percolator Gallery on 3352 4560.

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Lifestyle and Peace of Mind!

IMAGINE walking along the sand, the water lapping at your feet while the rising sun shines across Stradbroke Island towards Coochiemudlo Island.

Now imagine taking those shapes, colours, and even spirit home with you as an eternal memento.

That’s what a group of mature-age artists have captured for their exhibition Jewels in the Landscape at Brisbane’s Percolator Gallery this October.

Millie Simic (painting), Janet Farley (painting) and sisters Elissa and Trish Miller (beading/jewellery) are all Southern Moreton Bay retirees who use the beauty of the natural landscape as inspiration for their artworks.

“It was just the other afternoon when I was walking that I saw these

lovely patterns in the sand and thought ‘how could you reproduce that in beading?’” Coochiemudlo Island artist Trish told Seniors News.

“What kind of beads would I use, what kind of stitch would I use, and how do I want it to finish up?

“Do I want it to be a piece of jewellery that someone could wear?

“Do I want it to be a statement piece? Or do I just want it to be a piece of art?

“So I’m inspired by the shapes, texture and colours.”

Millie, the brainchild behind the exhibition, scoured the area for artists whose work captured the essence of the exhibition.

And Trish said it was quite “flattering” when she and her sister, who along with Lennie Henniker make up Bay Island Beads, were approached by the

NEWS

BREAKING NEWS SENIOR Australians are one step closer to being fully recognised as an important part of the Australian community.

Under the newly appointed Morrison Government, MP Ken Wyatt (pictured) has been appointed to represent and champion seniors’ interests at the highest political level.

Mr Wyatt has had his list of portfolios extended to include, in addition to aged care and indigenous health, senior Australians.

Officially, Seniors News has been advised that Mr Wyatt’s focus will be “on taking a broader, whole-of-government approach to advancing the interests of senior Australians”.

What that actually means is yet to be defined by Mr Wyatt.

Mr Wyatt remains sitting in the outer ministry with six other ministers.

Inside the Cabinet room are 23 senior ministers.

Seniors News is seeking from Mr Wyatt details of his new portfolio responsibilities and its relationship to senior minister portfolios that impact on seniors.

Blokes go head-on Survivors urge others to get their prostate checked now

Tracey Johnstone THEY’RE everyday blokes with a confronting story to tell. Chris Warnes and Jon Sayer have survived prostate cancer and they want other men to hear their message – get checked now.

The two sailors have been friends for many years since they moved from New Zealand to set up their new lives in Queensland.

Life has been about hard work and downtime on the ocean for these blokes.

Chris has his own earthmoving business while Jon designs and builds offshore racing yachts and sleek powerboats.

What neither gave the slightest thought to was that they could end up a statistic – one in five men are diagnosed with prostate cancer before the age of 85.

But, for Chris and Jon, other than being over 50, there was no other risk factors for them – no family history of the disease, no high fat and low vegetables diet, no high testosterone levels, no obesity. So why them?

Chris, now 72, was diagnosed with prostate cancer at age 62.

“It was the funny thing with me,” Chris said.

“I had absolutely no symptoms whatsoever, nothing. It was just because I got checked every six months that they picked it up through blood checks.”

Those checks were being done because of his

SURVIVORS: Prostate cancer survivors Chris Warnes and Jon Sayer. age.

“Because I was aware of it, I kept doing it.”

Jon, 62, was diagnosed “one year, four months, seven days, three hours and two minutes ago”.

“I was the same as Chris,” Jon added.

He was aware that he was at the age where prostate cancer could be an issue for him.

“I even changed to a lady doctor as I thought, no way did I want a man playing with his fingers anywhere around my bottom because I thought that was the only way you could find out.”

The GP organised a full blood test. The result apparently showed some elevation of his PSA, but as nothing was said to him he assumed his health was still OK. It was only when three years later he went to another doctor for a check-up that the past blood test, plus the new

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nine times out of 10,” Jon said.

Jon is calling for more groups where men can openly discuss what they are going through.

When he first found out about his diagnosis he turned to Chris and another friend, David Adams, because he knew they had experienced the prostate cancer journey and could him understand about what, when and how it was all going to be dealt with.

“I just feel it’s a bit of under the table, taboo subject with men,” Jon said.

He then headed to Facebook and revealed his story.

“It’s a bit of a male stigma thing attached to it and lot of people don’t talk about it,” Jon said.

“I was surprised the number of my friends who had been through it and I didn’t know until I opened up about it. They

congratulated me and gave me words of wisdom.

“You need to talk about it more and go and get checked. Particularly, ask about family history of it and if that is the case you have got to start doing it at 40, not 60.

“The strange thing it wasn’t in any of my relatives and my dad was one of 11 boys, and none had it. I have warned by son already.”

Chris is keeping to a healthy eating regime, he keeps up his six-monthly checks and slowed down, a bit, on the beer consumption.

“The strongest message I can say to anyone is don’t be frightened to go to your doctor and get your blood tests. And, if there is any doubt, get a digital check.

It’s better than dying.”

Talk to your GP and go to ausprostatecancer. com.au or prostate.org. au.

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one, both showed an elevated PSA. Chris choose a full prostatectomy.

“I didn’t even consider radiation,” he said.

“At my age, it was the safest and I believe the best thing. I was very lucky as all my cancers were on the outside of my prostate. One had left my prostate and was heading towards my spine.

“I would be dead by now had I not been checked regularly.”

Jon made the same choice.

“A few things I have since learnt that I wish I had been warned about earlier because I went through a fitness regime and certain diets, foods and alkalines to take the sugars and acids out of my diet, and maybe I could have attempted to fight it a different way for a while before I had the full procedure because it is a very slow growing cancer,

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NEWS

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SEPTEMBER, 2018// SENIORS

Community notes

Community group guide TO ALLOW for readers’ requests for the publication of more neighbourhood news, please keep notices short and to the point (100 word maximum). If you would like to submit a photo ensure it is at least 180dpi or 500kb to 1mb in size and of faces, in a nice bright setting. Email editor@seniorsnewspaper.com.au.

WESTERN SUBURBS BRANCH AUSTRALIAN RED CROSS

OUR AGM in August saw a new president, Judith Weston and a new secretary, Helen Clarke installed. Treasurer, Lynne Cray and Correspondence Secretary, Annie Hall have been returned for another year. Guest speaker at the AGM was Colin Sivalingum from Red Cross Emergency Services, which is a partner in the Climate Adaptation Strategy. Join us on October 8 (October 1 is a public holiday) at Red Cross Milton if you wish to be a part of a team that helps build a better

society based on people helping people. We have morning tea for 30 minutes, then a guest speaker.

EASTERN DISTRICT ORCHID SOCIETY INC.

WE WILL be holding our 52nd Spring Orchid Show over the weekend of September 15-16 at the Brisbane International Shooting Complex, Old Cleveland Road, Belmont.

There will be thousands of orchid plants for sale.

Free cultural advise from club members. Craft and floral arrangements for sale. Refreshments and raffles. Entry: adults $4, under 14 years free.

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YOUNG at Heart tennis players wanted for Mt Gravatt Central on Tuesdays from 9am-noon.

It is not Wimbledon but a game, a laugh and a cuppa are all included.

Phone Margaret on 3398 8143 or Myrna 3397 8584.

PROBUS CLUBS

Chelmer and District WE MEET at the Croll Memorial Precinct, 2 Clewley Street, Corinda on the fourth Tuesday of the month at 9.45am. We have our monthly meeting with a friendly chat over morning tea, followed by a guest speaker covering a wide and interesting range of topics. Members also get together for regular outings, a garden group, a walking group, theatre visits, a book swap and other activities. We welcome retired men and women from Chelmer to Oxley and all surrounding suburbs who wish to join in the fun, friendship and fellowship of Probus and meet for club meetings and outings with other active, like-minded retirees. Phone Kathy on (07) 3379 7237.

NATIONAL SENIORS

Browns Plains WE ARE once again

COFFEE AND A CHAT: Members of the Centenary Evening VIEW club enjoyed a coffee morning at DFO Jindalee recently. coming to the aid of the Farmers suffering from this terrible drought. At our recent barbecue, $360 was raised from our ‘Mock-Auction’, with these funds forming part of a larger amount to be donated. Our AGM was held in August and we were pleased to have a response from the members to fill the vacant positions of secretary and committee person. Our long-term branch secretary Meric resigned recently after eight years of service. As usual, you are most welcome to join our happy Group at 10am on the second Tuesday of each month at Greenbank RSL for morning tea, with

the general meeting commencing at 10.30am.

Coach trips are held on the fourth Tuesday of each month. Phone Ron or Bev on 0402 094 887.

JINDALEE BOWLS CLUB

A NEW course called Learning to Play Lawn Bowls is being offered through the University of the Third Age Brisbane (U3A). You must be a member of U3A to enrol for the course, for details, go to u3abrisbane.org.au.

This course is free and will be held at Jindalee Bowls Club at the corner of Yallambe and Sinnamon Road, Jindalee.

It is designed for

participants in the surrounding suburbs who would like to learn a new skill involving balance and coordination as well as providing an opportunity for socialising while having fun. Bowls is a target sport offering the challenge of improvement with practice. Coloured bowls will be supplied but you will need to bring a hat, wear smooth flat soled shoes (or go barefoot) and comfortable clothing offering sun protection. It is a six-week course on Wednesdays beginning October 10 from 10-11.30am. Phone Sue on 0412 608 041.

CONTINUED ON PAGE 12

ADVERTISEMENT

Chaos in Canberra puts Energy on the backburner again WITH the Turnbull government in crisis again this week with yet another leadership spill in play, the country seems to be at a standstill, and it seems the countries energy crisis is once again on the back burner.

Just a week ago, Malcolm Turnbull’s National Energy Guarantee policy proposal was in full swing. At the start of the week Turnbull was claiming majority party support in favour of the NEG. Fast forward to Friday and the NEG is all but ashes and any certainty around a defined energy policy is dashed again, however the threat to abolish the Small Renewable Energy scheme nine years early remains a very real possibility.

If the government acts on the recommendations of the ACCC to abolish the smallscale renewable energy scheme, the cost of a 5kW residential system will increase by approximately $2,750. That’s a 45 per cent increase.

With all this uncertainty at play just how does that affect us right now? STC’s that how.

The small-scale technology certificates that are applied to solar PV systems as a rebate to encourage more home to make the switch to solar are in a state of flux with a rapid decrease over the last week for the first time this year. Until now the STC has remained stable all year.

With so much uncertainty swirling around the nation’s energy policy again, it is possible it may drop again, or even worse be abolished all together, driving up the cost of solar systems dramatically.

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The Fronius inverter is regarded as one of the best on the market, Austrian designed, the Fronius inverter is backed by a 5 year product warranty and delivers excellent monitoring capabilities should you wish to add this to your system. Complementing the Fronius inverter with Seraphim 275-watt panels, rounds out a high-quality system that is designed to withstand the harshest of Australian climates. Seraphim panels also come with a 10-year product warranty and 25-year performance warranty, one of the strongest warranties on the market at this price point.

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SENIORS \\SEPTEMBER, 2018

COMMUNITY

11

COMMUNITY

SEPTEMBER, 2018// SENIORS

MERRY MELODIES: Chapel Hill VIEW club choir sing Hits from the Musicals.

FROM PAGE 10

WYNNUM REGION ORGANISED COMPUTING CLUB FOR SENIORS INC

VOLUNTEERS provide help with computers, tablets and phones. We will be holding our next monthly meeting on Tuesday, September 11 upstairs at the Wynnum RSL at 10.30am. The club is for anyone who would like to know more about their computers, laptops, tablets and phones and is run by volunteers. You can join the club, on the day, for an annual membership fee of $10. We offer classes that can be up to four weeks of two hours per week or some of

lesser duration. Our classes can commence from a very basic level so don’t be afraid to make a start. Phone Lavina on 0411 806 154 or go to wroccs.org.au.

AIR

WE ARE the North Brisbane Branch of AIR, a national group of self minded retirees who are fully or partial self funded meeting ever third Friday at the OES Hall, 2 Boland Street, Kedron. This is our normal social meeting where we have regular guest speakers discussing matters of health and those affecting our finance and various social events. We start at 9.30am and normally

finishing around noon for our meetings, we break for morning tea and biccies. We also have a finance discussion group that meets on the second Friday at Chermside, visitors are welcome for a initial visit once its members only, we do not give financial advice.

Phone 3881 1820 or 3351 4126 prior to 5pm or email sitram@powerup. com.au.

VIEW CLUBS

Arana OUR nest meeting is on Wednesday, October 3 at the Arana Leagues Club, Dawson Pde, Keperra.

Doors open at 10.30am for the meeting to commence at 11am. Cost

Friends for Life

Western Suburbs branch of the Australian Red Cross 2018-19 Committee: president Judith Weston, minutes secretary Helen Clarke and treasurer Lynne Cray. is $27 and this includes a two course lunch as well as tea and coffee. Our guest speaker for October is Gina Storey from Travelling Places who is certain to have some great travel hints for us all. We will also have our usual raffles and lucky door prizes. New members and guests are always welcome. Phone Carol to book by noon Monday, October 1 on (07) 3355 5349.

Centenary Evening SEPTEMBER means spring and is usually a delightful time in Brisbane. All gardeners and garden-lovers will be familiar with Toowoomba’s famous festival, the Carnival of Flowers.

Accordingly, we are having a flower-themed dinner meeting on Monday, September 10. You are cordially invited to attend and enjoy some flower power. Our guest speaker will be Jeanette Lamont who is very knowledgeable on our chosen topic. Held at the McLeod Country Golf Club, 61 Gertrude McLeod Cres, Middle Park on September 10 at 6.30pm for 7pm and our October meeting is scheduled for October 8 at 6.30pm for 7pm. The cost is $35 and bookings are essential.

Phone Rita before noon September 7 on 0413 138 967 or email centenaryeveview @gmail.com or Facebook.

Chapel Hill A PIANO solo by Marguerite playing Can’t Help Lovin’ that Man delighted the guests at our 28th birthday. Next lunch is September 5 at Mt Ommaney Apartments and will feature Dr Dimity Dornan AO who is the Executive Director and Founder of Hear and Say. In October, guest speaker is Amanda Harvey from Q Rail. Phone Denise on 0409 261 488 if you would like to be part of our friendly Club or email chapelhillview@gmail. com.

Kenmore THE meeting this month is on Monday, September CONTINUED ON PAGE 14

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www.antonbrownfunerals.com.au Locally Sourced brings together some of Brisbane’s most virtuosic classical and jazz musicians for a diverse and colourful program of new compositions.

Ensemble Trivium members Monika Koerner (flute) and Glenn Prohasky (bassoon) will be joined by guest artists Nozomi Omote (percussion) and Nicholas Harmsen (clarinet) for this special concert.

Queensland’s Three Tenors

Friday 12 October, 7pm

Redland Performing Arts Centre, Auditorium

Tickets: $25-$30 Bookings: 3829 8131 or www.rpac.com.au (Booking fees: $4.30 by phone & $5 online per transaction)

Our finest composers.

Their freshest compositions.

This project is supported by the Queensland Government through Arts Queensland

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12

SENIORS \\SEPTEMBER, 2018

COMMUNITY

2 BEDROOM APARTMENTS AVAILABLE FROM

at Azure Blue Redcliffe

$318,000*

Azure Blue is Redcliffe’s most convenient retirement location.

Easy Choice Low maintenance. Safe and secure. Simply lock-up and leave. Spacious, modern apartments surrounded by resort facilities including a cafe, media room, games room, hair salon, treatment room, gym, pool and bbq area.

STROLL TO THE ESPLANADE SPACIOUS QUALITY APARTMENTS MODERN RESORT STYLE FACILITIES

Life’s Easy

BLUE CARE HELP AT HOME SERVICES

At Azure Blue, you have the time to pursue your hobbies and interests.

Our weekly program of social activities gives you the opportunity to meet new friends and be part of a friendly, welcoming community.

CO-LOCATED AGED CARE FACILITY

Within Easy Reach Located in the heart of Redcliffe Peninsula close to beaches, shopping centres, clubs, dining precincts, and health services including Redcliffe Hospital. You can also access a range of Blue Care Help at Home services as needed.

FOR SALES CALL ANGELA ON 0439 629 263

*Price valid for typical 2 bedroom apartment at time of print.

Visit 91 Anzac Avenue, Redcliffe • To book an inspection phone 07 3155 2101 Email info@AzureBlueRedcliffe.com.au • www.AzureBlueRedcliffe.com.au

13

14

COMMUNITY

SEPTEMBER, 2018// SENIORS

GREAT DAY OUT: Members from the North Brisbane branch of AIR recently enjoyed an outing. Pictured: Nev, Bev, driver Chris, Col and Ann.

Some of the Forest Lake Fifty Plus club members at Cleveland Point for a picnic recently.

FROM PAGE 12

Sunnybank Evening OUR next meeting will be held on Monday, September 3 at 6.30pm for 7pm at The Glen Hotel, Logan Road, Eight Mile Plains. Guest speaker will be Judith McWirther from Brisbane Greeters. If you would like to attend, phone Pam Smith on 3273 8419.

Stephenson. A retired clergyman who enjoys travelling the outback with friends. Morning tea is available for a gold coin donation and there is always a raffle. Phone the Kallangur Centre on 3880 6677 or call into 1480 Anzac Avenue, Kallangur between 9am-noon, Monday-Friday.

U3A

FOREST LAKE FIFTY PLUS CLUB

17 at Jindalee Golf Club at 11.15am. Cost $30 for two courses and tea/coffee. Bookings are essential. Our club welcomes guests and new members and we can assure you of a warm welcome. With a spring in our step our guest speaker for September will be Senior Constable Paul Bagnall, from Queensland Police who will be speaking on Cyber Crime and Fraud. Our next Coffee and Chat morning will be held on Saturday, September 22 at Perfect Blend Coffee Shop, Kirkdale Road, Chapel at 10am. Further ahead in October, the club will be

doing a tour of the Beelarong Community Farm and Cooking School at Morningside on October 29. Cost $5.

Phone Jean on 0409 268 646 or Nan on 0410 006 500.

Pine Rivers FOR our next meeting, our guest speaker is Jenny Woolsey, an author, and an advocate of inclusive education.

Jenny’s youngest daughter has Down Syndrome and she has fought to have her in mainstream schooling. Meeting on the third Wednesday of each month at 10.30am for 11am at Murrumba Downs Tavern. Phone Elizabeth on (07) 3886 4937 or Sandra (07) 3425 2738.

Pine Rivers WE WILL be holding our monthly morning on Friday, September 21 at Bray Hall, corner of Cooke and O’Loane Streets, Petrie, gathering at 9.30am for a 10am start, finishing at 11.30am. The guest speaker for this month will be Michael

OUR August day trip was to Cleveland Point for a picnic. A wonderful barbecue for lunch with fantastic views of southern end of Moreton Bay was enjoyed by all.

The Forest Lake Fifty Plus Club meet on the third Friday of the month at The

Lion, Pine Road, Richlands at 10.30am.

Meeting date claimers are September 21 and October 12. For details, phone Leonie (president) on 0427 846 057 or Les (activities officer) on 0466 377 618. To register, email fl50plusc@gmail.com.

SENIOR CITIZENS CLUB

MAKE new friends.

Come along any Tuesday between 9am-noon to the Community Centre, 19 Nerida Street, Rochedale.

Members of a Senior Citizens Club play indoor bowls or are entertained with a concert on alternate Tuesdays.

Tuition provided for new

players and new members are most welcome. Phone Shirley on 3209 1682.

MITCHELTON AND DISTRICTS GARDEN CLUB

OUR next meeting is on October 4 at the Enoggera Memorial Hall. Althea and Barry Connor will be the guest speakers, talking about African Violets.

Morning tea is served from 9.45am and the meeting commences immediately after that.

Visitors and new members welcome. The hall at the junction of Wardell and Trundle Streets, is close to public transport and wheelchair friendly. Phone president Pat on (07) 3356 1256.

SENIORS \\SEPTEMBER, 2018

COMMUNITY

2 BEDROOM APARTMENTS

at Azure Blue Carina

AVAILABLE

Resort style retirement living in a peaceful bushland setting.

Easy Choice

CLOSE TO SHOPS AND BUSES

Low maintenance. Safe and secure. Simply lock-up and leave. Spacious, modern apartments surrounded by resort facilities including cafe, media room, games room, hair salon, gym, pool, bbq area and community garden.

SPACIOUS QUALITY APARTMENTS

Life’s Easy

BLUE CARE HELP AT HOME SERVICES

At Azure Blue, you have the time to pursue your hobbies and interests.

Our weekly program of social activities gives you the opportunity to meet new friends and be part of a friendly, welcoming community.

Within Easy Reach Nestled within the inner Brisbane suburb of Carina, Azure Blue is close to family, friends, transport, shopping, clubs, parks and vital health services.

You can also access a range of Blue Care Help at Home services as needed.

MODERN RESORT STYLE FACILITIES CO-LOCATED AGED CARE FACILITY

FOR SALES CALL MARK ON 0447 727 939

Visit 455 Richmond Road, Carina • To book an inspection phone 07 3155 2126 Email info@AzureBlueCarina.com.au • www.AzureBlueCarina.com.au

15

16

ENTERTAINMENT

SEPTEMBER, 2018// SENIORS

Classical Corner WITH QUEENSLAND SYMPHONY ORCHESTRA

AN ORCHESTRA FOR EVERYONE WHETHER YOU COME...

To experience the big emotions of a symphony… To watch a great movie come to life…

To feel the room shake from that massive brass sound… To witness a world-class musician perform a breathtaking solo…

To experience the familiar… To try something new…

To relax… To be roused… To feel your spine tingle…

Whatever the reason, whoever you are Queensland Symphony Orchestra is an ORCHESTRA FOR EVERYONE

Music Director Alondra de la Parra

Our set series packages allow you to enjoy ticket savings and the same great seat for every concert in the beautiful QPAC Concert Hall. The bigger the package, the more you will save.

In 2019 we offer the following set-series packages: Maestro Package Enjoy orchestral favourites by the greatest composers who ever lived, performed by the world’s finest soloists and the musicians of Queensland Symphony Orchestra. Choose from 10 or 12 evening concerts.

Morning Masterworks Package Delight in five rousing 90 minute concerts in a convenient Friday morning timeslot. Join us before each concert for a complimentary morning tea.

Fridays at 11am.

Music on Sundays Package Five concerts featuring a mix of shorter classical works, hosted by the irrepressible Guy Noble.

If you like your orchestral music fun and entertaining, these are the concerts for you. Sundays at 11.30am.

Choral Package Two spectacular concerts featuring a world class lineup of soloists and Brisbane’s best choirs.

We also offer the following flexible packages: Chamber Players Package Get up close to the music-making in these intimate concerts, with music hand-picked by our musicians, held in our very own performance studio.

Sundays at 3pm.

Choose-Your-Own Package Do you have a favourite soloist? Or prefer music by certain composers?

Or just have a busy schedule? Whatever your reason, you’re flexible! With ChooseYour-Own packages, select three or more concerts from our 2019 season and enjoy discounted tickets and subscriber benefits.

Phone (07) 3833 5044 Mon-Fri, 9am-5pm to request a copy of our brochure, or visit qso.com.au to find out more. << Renée Jones

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In 2019 Queensland Symphony Orchestra will perform something for everyone. There will be mighty symphonies, intimate chamber music, captivating live movies, and much more. We will play music that spans the arc of history.

Whether you are new to orchestral music or have been part of our family for years, I am certain you will find much to look forward to.

SENIORS \\SEPTEMBER, 2018

17

ARMY MUSEUM SOUTH QUEENSLAND – ‘1918’ EXHIBITION

A DIORAMA of the Mephisto tank famously captured by the AIF at Villers- Bretonneux is featured in the 1918 exhibition at Victoria Barracks in Brisbane.

Meticulously researched history with original photographs and artefacts of the events and battles which led to the signing of the Armistace in 1918 are also on display.

Escorted tours of Victoria Barracks are on Wednesdays only. The price of $15 per person includes the professionally researched and curated exhibition, an escorted tour of historic Victoria Barracks, Devonshire Tea served in the original Officers’ Mess, souvenir booklet and digital photo. Groups and individuals must always make prior bookings, go to armymuseumsouth queensland.com.au or phone Bev Smith on 0429 954 663.

TOOWOOMBA CARNIVAL OF FLOWERS

AMONG a host of organised events, you can choose to indulge in local organic food and wine, experience local culture with live music, tour the exhibiting gardens or appreciating classic cars.

Each activity is set to enliven the event and add enjoyment for visitors time in the Garden City.

Arguably the highlight of the carnival is the Grand Central Floral Parade with the awe-inspiring floats and displays. But the carnival also includes an awesome program of family-friendly entertainment with everything from amazing parades to kids rides, live entertainment, kids activities, celebrity chef dinners and much more held in multiple sites in Toowoomba. On September 21-30.

What's on

RITZ AT THE RIDGES: The Quintessential High Tea is available every Tuesday to Sunday afternoon at Bacchus.

To find out more about the 2018 Toowoomba Carnival of Flowers, including the full program of events, go to the website tcof.com.au.

SPRING FAIR

COME along and join us on Saturday, September 22 from 8.30am-1pm.

There will be: vintage cars, face painting, white elephant stall, morning teas, craft, cakes etc, plants, hamburgers, raffles, jewellery, handbags, tia chi demonstration, choir, music and more. It’s the place to be for great fun and bargains. At Compton Gardens Retirement Village, 97 Albany Creek Road, Aspley.

JOIN THE DISCUSSION

YOU are invited to join us on Monday, October 29 from 9.45am for 10am start until noon. Morning tea included. The topic is Staffing Ratios and Funding in Aged Care.

Redland Performing Arts Centre presents

Mary Burgess is the Public Advocate for Queensland. She was appointed for four years by the Governor of Queensland in November 2016. Mary is a former lawyer with a career in government and public policy.

She was admitted as a solicitor in 1985 and in her early career, practised as a lawyer in generalist legal practices. TheTriCare Retirement Village, Concert Room, 1st Floor of East Wing, 1748 Logan Road, Upper Mt. Gravatt.

RSVP by October 26 via email to secretary@ opso.com.au, phone Irene on 1300 677 960 or Yvonne 0417 729 315.

MODERN SQUARE DANCE

A FAVORITE pastime revived. Meet new people, make new friends. It’s the new generation of square dancing. Easy to learn. It’s about people from all walks and all ages. It’s popular, it’s fun. It’s

An unmissable concert experience about the making of an Australian icon, John Farnham.

Journey with Australian vocal superstar Luke Kennedy and his world-class band on a musical odyssey about the making of a rock and roll icon who would become known as ‘The Voice’.

exercise to music. Don’t say no until you give it a go. Classes on Tuesdays from 7pm, at CT Williams Hall. Come and try it – first night free. Caboolture Showgrounds (enter gate 2 Beerburrum Road).

Inquiries on 0427 749 883 or you can email ezysecretary@ gmail.com.

LAVISH HIGH TEA

THERE was a time not so long ago you had to travel to London to the Ritz if you wanted the real deal. Bacchus at Ridges Hotel has upgraded its already renowned high tea to the Quintessential High Tea. While scones are on the menu, think key lime and chocolate meringue tartlet, and almond dacquoise with white glaze and blackberries.

Cucumber sandwiches?

Yes, but with rocket ribbon if you please. And how about black brioche with chicken and celery, or smoked salmon with dill crème fraiche on tomato

bread? The new menu is as inventive as it is unique, but it still pays homage to the traditional high tea, especially with a non-stop selection of Harney & Sons teas and William Edwards bone china. A glass of Moet, Chandon or Dom Perignon will complete the occasion.

The Quintessential High Tea is available every Tuesday to Sunday afternoon at Bacchus.

Vegans and those with specific dietary needs are not excluded, with Bacchus more than happy to accommodate dietary requirements at no additional cost.

Reservations and more information at info@ bacchussouthbank. com.au or phone (07) 3364 0837.

ROARING 20S

GET ready for some nostalgia when the monthly silent movie night returns to Metro Arts Cinema on September 14

Redland Performing Arts Centre presents a production by Christine Harris & HIT Productions

An award-winning play by Hannie Rayson Directed by Denny Lawrence – Always … Patsy Cline and Shirley Valentine

Featuring songs from Farnham’s sensational back catalogue including Playing to Win, One, Don’t You Know It’s Magic, Please Don’t Ask Me, Sadie and You’re The Voice.

“A VIVID, MOVING AND FUNNY PLAY ...”

GOODREADS.COM

SAT 13 OCTOBER, 7.30PM Starring Luke Kennedy (The Voice, The Ten Tenors, Swing On This) and his world-class band

REDLAND PERFORMING ARTS CENTRE – CONCERT HALL

Tickets: $38 - $50 Bookings: 3829 8131 or www.rpac.com.au Booking fees: $4.30 by phone and $5 online per transaction

and October 26 for Roaring 20s Cinema. The intimate, air-conditioned cinema – the Lumen Room (located on the ground level of Metro Arts) – transports you back to the 1920s with a two-hour immersive program including a short film followed by a rare ’20s feature form the golden age of silent cinema.

The silent film will be accompanied by music from Fin Taylor on piano.

The October event will be a special spooky double feature to coincide with Halloween. The night is hosted by Joel Archer, who has run classic/silent movie events around southeast Queensland for the last decade.

Metro Arts, 109 Edward Street, Brisbane CBD. Tickets $15-$18pp + booking fee | All ages event. Screenings from 7.30pm. Bookings and inquiries, phone Joel on 0409 620 670. Pre-book your tickets, go to ww. stickytickets.com.au.

Old wounds reopen as three sisters reunite after 10 years apart in this Australian classic.

SAT 22 SEPTEMBER, 7.30PM

Redland Performing Arts Centre – Concert Hall TICKETS: $20-$45 via 3829 8131 or www.rpac.com.au Booking fees: $4.30 by phone and $5 online per transaction

18

NEWS

SEPTEMBER, 2018// SENIORS

Enjoy the best years of your life

Retirement living made easy for you to relax, socialise and enjoy. within

easy reach

BRISBANE NORTH NEW HAVEN

BRISBANE SOUTH NANDEEBIE VILLAGE

LOGAN BETHANIA HAVEN

Redcliffe from $205,000

Alexandria Hill from $200,000

Bethania from $220,000

KALLMAR VILLAGE

INNER BRISBANE TANGARA VILLAGE

Kallangur from $150,000

West End from $190,000

YURANA VILLAGE Springwood from $195,000

BRISBANE SOUTH CARRAMAR VILLAGE

IONA VILLAGE

IPSWICH BRASSALL VILLAGE

Sunnybank Hills from $220,000

Kenmore from $170,000

Brassall from $95,000

For more information or to book an inspection, call 07 3054 4788 easylivingretirementvillages.com.au TM

SENIORS \\SEPTEMBER, 2018

NEWS

Enjoy the best years of your life

Tangara Village is an affordable inner city lifestyle.

PRICED FROM $190,000*

Easy Retirement

Easy Choice

Easy Care

Located in the heart of West End, Tangara Village is within easy reach of transport, shops, services and the Cultural Precinct at Southbank.

The Mater and Princess Alexandra Hospitals are also nearby.

Enjoy affordable living in an elevated position at West End with views of Brisbane City and surrounding suburbs. Each fully self-contained one bedroom unit is refurbished to a quality standard to give you a wonderful retirement lifestyle.

Access a range of Blue Care services, including assistance with housework, transport around town, allied health services, social support and personal care.

To book an inspection at Tangara Village call 07 3155 2120 *Price valid for typical 1 bedroom apartment at time of print.

Tangara Village 35 Sussex St, West End Email info@easylivingretirementvillages.com.au • www.easylivingretirementvillages.com.au

Enjoy the best years of your life

Brassall Village gives you a quiet convenient lifestyle.

PRICED FROM $95,000*

Indicative internal photo

Easy Retirement

Easy Choice

Easy Care

Experience the freedom of not having to take care of home maintenance and gardening. Your home is safe and secure.

With maintenance free community areas and organised social activities, you are free to enjoy the best years of your life.

Affordable living in a low set, fully selfcontained, one bedroom brick and tile unit. Or take advantage of our studio apartments where midday meals, basic cleaning and a linen service are provided.

Access a range of Blue Care services, including assistance with housework, transport around town, and allied health services. Blue Care also has a residential aged care home adjoining the village.

To book an inspection at Brassall Village call 07 3155 2121 *Price valid for typical 1 bedroom apartment at time of print.

Brassall Village 9 Charles St, Brassall • Email info@easylivingretirementvillages.com.au • www.easylivingretirementvillages.com.au

19

20

SEPTEMBER, 2018// SENIORS

Pension poverty is in the spotlight

Talk 'n' thoughts

Gail Forrer Group Editor

HARDSHIP: National Seniors and The Benevolent Society are calling on all Australians to support the Fix Pension Poverty campaign.

Photo: Thinkstock

‘‘

The average time a 60 to 64-year-old spends on Newstart is 187 weeks.

NATIONAL Seniors Association together with The Benevolent Society are conducting a joint Fix Pension Poverty campaign.

Last month, the importance of their campaign was further highlighted with the release of the 2018 HILDA Report.

Started in 2001, the Household, Income and Labour Dynamics in Australia Survey is a household-based panel study that collects valuable information about economic and personal well-being, labour market dynamics and family life.

The study surveys the same households and individuals each year.

This way it can show how

the lives of a cross-section of Australians are changing over time.

The survey, a record of how we live, shows researchers many things: for example, how economics affects our lives or how choices made in the past lead to particular life outcomes.

The content provides policy-makers with unique insights about Australia, enabling them to make informed decisions across a range of policy areas, including health, education and social services.

It is published by the Melbourne Institute and funded by the Australian Government through the Department of Social Services.

NATIONAL Seniors chief advocate Ian Henschke said the recently released HILDA report highlighted inequality and poverty among older Australians.

Mr Henschke said the report reflected some key

concerns voiced in last year’s National Seniors Advocacy Survey, including the rising cost of energy and housing stress as growing concerns.

The 2018 HILDA Report also highlighted the growing issue of inequality among older Australians.

It seems among seniors the gap between the “have a lot” and the “haven’t got much” is growing.

The over-65s age group is the only one where inequality has increased significantly over the past 15 years Older single women, older single men and older couples are the three family types most likely to be experiencing income poverty in Australia.

Older women have experienced the steepest increase in income poverty since 2015.

The latest Department of Social Services data reveals that more people aged 55-64 are on

Newstart than those aged 25-34 and they are on the payment for much longer.

They are also spending their retirement savings before they retire because they can’t live on Newstart without experiencing financial hardship.

The average time a 60 to 64-year-old spends on Newtstart is 187 weeks (3.6 years).

Conversely, the average time a 25 to 29-year-old spends on Newstart is 104 weeks (two years).

The number of people aged 55-64 on Newstart is 174,532, compared to 156,664 aged 25-34.

According to the OECD, 26 per cent of older Australians are experiencing poverty, compared to the OECD average of 13 per cent.

In the run-up to the federal election and beyond, National Seniors and The Benevolent Society are calling on all Australians to support the Fix Pension Poverty campaign.

Queensland filmmakers create age-friendly films 40 entries received from filmmakers across Queensland,” Mrs O’Rourke said.

“It’s particularly fitting for us to be making this announcement during Queensland Seniors Week.

“These eight winning short film ideas truly embody the aim of this competition, which is to show that older Queenslanders are capable of much more than society sometimes gives them credit for and celebrate their

brisbane seniors online

achievements and contributions to our communities.”

The winning films to be developed as part of the B.OLD short film competition include En Pointe – a film about a 72-year-old ballet dancer sharing her life journey and love of dance.

There is also The Mantra of Wise John – a film about 90-year-old John Rigby, who took up natural bodybuilding at age 85.

The winning B.OLD short film competition

entries will debut at a premiere event in November, before being screened at film festivals across Queensland in late 2018 and 2019.

Mrs O’Rourke said the B.OLD short film competition was another example of the Palaszczuk Government’s commitment to the Queensland: An Age-Friendly Community strategy.

For more information about the competition, visit communities.qld. gov.au/BOLD2018.

ACTION: Queensland filmmakers will turn their B.OLD ideas into age-friendly films.

Photo: Acitore

Mentors required

Thinking of Volunteering? Why not teach a senior how to use a computer.

We need new mentors to pass on their valuable skills to seniors in their local community. Brisbane Seniors Online (BSOL) currently needs Mentors for iPad and Android devices, as well as Windows and Apple Mac computers.

BSOL provides affordable computer tuition for over 50s in the Greater Brisbane area on a one-on-one basis. We use empathetic and patient volunteer mentors to teach learners in their home using their own computer. Volunteer Mentors join for free and can participate in regular advanced training on new technologies. Membership also entitles you to join our special interest groups such as digital and video photography, Apple devices and our Mentor Support Group.

To become a volunteer Mentor or to learn more about how we help seniors to get on line, contact BSOL on…

3393 2225 or visit www.bsol.asn.au

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EIGHT Queensland filmmakers will be given the chance to turn their bold ideas into age-friendly films thanks to the Palaszczuk Government’s B.OLD short film competition.

Minister for Seniors Coralee O’Rourke announced the B.OLD short film competition winners at Parliament House and praised the ideas they put forward.

“This inaugural competition has been an overwhelming success so far, with an outstanding

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Roll along with health record in tow Wellbeing

Take your files when you travel BRAND INSIGHTS

CARSELDINE retirees Peter Button and Cathy Zappala join a legion of grey nomads taking their health on the road with My Health Record.

Cathy suffers from chronic health issues and has been using My Health Record for many years to keep all her health information in one place and easily accessible for her treating doctors, specialists and hospitals.

“The benefits of My Heath Record at my age are undeniable,” husband Peter said.

“My wife and I are about to set off on a trip around Australia in our motorhome and we plan to rely solely on My Health Record to contain all our health information.

— Peter Button

“We don’t need to worry about remembering health records from years ago and feel confident that we will receive the same level of care with a new GP

ON RECORD: Brisbane North Primary Health Network’s Zanthea Chulio (far right) with Cathy Zappala, Peter Button and Paris the dog. compared to our usual one. I don’t understand why you wouldn’t have one.”

My Health Record is a secure online summary of your health information.

You can control what goes into it, and who is allowed to access it. You can choose to share your health information with your doctors, hospitals and other healthcare

WEdnEsday 17th OctObEr

providers.

In emergency situations, treating doctors have been able to use My Health Record to view information such as current medications and Advance Care Plans to provide the appropriate treatment quickly.

Other important things to note: ■ Your important healthcare information is

available in one place and easily accessible by your doctors, specialists or hospitals ■ Because healthcare providers have better access to clinical information, they have a more detailed picture to make decisions, diagnose and provide treatment ■ When moving interstate or travelling, the information can be

viewed securely online ■ You don’t need to remember the dates of tests or medicine names or dosages ■ For those that require assistance accessing your My Health Record, you can nominate someone to act on your behalf or ask healthcare providers involved in your care to add information to your record

■ My Health Record has multi-layered and strong safeguards in place to protect your information By the end of this year, every Australian will get a My Health Record unless they choose not to have one, and can opt out by November 15.

For more go to, MyHealthRecord.gov.au or phone 1800 723 471.

Win Tickets to A Special Screening Thanks to Event Cinemas, we’re giving away 10 double passes for readers to attend the Seniors Morning Tea and Screening of the new film ‘First Man’ from 10am on Wednesday 17th October.^

On the heels of their six-time Academy Award®-winning smash, La La Land, Oscar®-winning director Damien Chazelle and star Ryan Gosling reteam for Universal Pictures’ First Man, the riveting story of NASA’s mission to land a man on the moon, focusing on Neil Armstrong and the years 1961-1969. A visceral, first-person account, based on the book by James R. Hansen, the Tickets $10* for Cinebuzz for Seniors Members. movie will explore the sacrifices and the cost—on Armstrong and on the nation—of one of the most dangerous missions in history.

Sign up to be a member for free online at

eventcinemas.com.au Tickets for this screening on sale now!

Enter online at seniorsnews.com.au/competitions

*Online booking fees apply. ^Visit seniorsnews.com.au/competitionterms for full competition terms and conditions. Promoter is ARM Specialist Media Pty Ltd of 2 Newspaper Place, Maroochydore Qld 4558. Promotional period 03/09/18-28/09/18. Competition drawn 10am 01/10/18 at Cnr Mayne Rd and Campbell St, Bowen Hills, Qld 4006. Winners announced in Seniors November Editions 2018. Total prize value $200.00 (including GST). Entry is open to all permanent residents of Queensland, residing in the Gold Coast, Sunshine Coast, Brisbane and Toowoomba Seniors distribution areas and NSW in the Northern NSW, Central Coast and Coffs & Clarence Seniors distribution areas. NSW Permit Number LTPM/18/03133

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Dying elderly need comfort to avoid a ‘traumatic’ end WE ALL want a dignified end to life.

But a new study has revealed that senior Australians at the end of their lives are suffering “aggressive treatments” when a more comforting approach to their last days is required.

University of NSW researchers reviewed over 700 medical records of admitted patients who received calls for medical emergency teams during hospitalisation and found that a third of them were aged over 80.

And nearly 40 per cent of that 80-year-old age bracket had been subjected to aggressive procedures such as intubation, intensive monitoring, intravenous medications, transplants and painful resuscitation attempts as hospital staff tried to keep them alive.

UNSW Adjunct Associate Professor Magnolia Cardona, who led the study, which is published in the Joint commission Journal on

DIGNITY A PRIORITY: If hospital staff were trained for earlier recognition of when death is inevitable, patients could be spared such aggressive treatments.

Photo: Katarzyna Bialasiewicz Quality and Patient Safety, said this pattern of invasive treatment over a gentler approach showed a lack of awareness by the medical profession.

And it was time the practice was stopped.

“Some risk factors such as a history of presenting to the

emergency room or several hospital admissions in the past few months, as well as not-for-resuscitation orders are clearly linked with poor clinical prognosis and impending death,” Associate Professor Cardona said.

“Such high-risk flags

could be used as a guide to refrain from using the emergency team.

“If hospital staff were trained for earlier recognition of when death is inevitable, patients could be spared such aggressive treatments and allowed a less traumatic and more

dignified end.”

Associate Professor Cardona said treatments to prolong the lives of elderly patients were costly and gave little benefits to them, their families and the health system.

Half of the deaths in the study occurred within two

days of the medical emergency call, while all patients with a not-for-resuscitation order died within three months.

“Our findings strongly indicate that admission to the ICU and invasive procedures for elderly people dying of natural causes need reconsideration,” she said.

“When death is inevitable, other more appropriate pathways of care can be offered such as symptom control, pain relief and psychosocial support.”

Associate Professor Cardona said elderly patients should be on the front foot and talk to their families about possible scenarios should a disaster strike.

“If patients put these in writing in an Advance Care Directive explaining how they wish to be cared for towards the end, clinicians will be better equipped to guide shared treatment decisions,” she said.

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Don’t ignore the cough Top tips to relieve the barking Tracey Johnstone

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cough, it’s less likely that it will be associated with a serious infection.

But, if there are associated symptoms or it has been going on for several weeks or longer, seek medical advice.

Most coughs may only last a few weeks and aren’t too serious. There are some natural remedies to give you relief which can be useful: ■ Steam inhalation with a drop of eucalyptus oil –

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“With smokers, normally there is these little hairs that line your airways, called cilia.

“Those hairs move mucus up and swallow it automatically.

“But if you smoke, those cilia hairs, which are self-cleaning, get destroyed.

“So, your airways no longer self-clean, so you have to clean them out physically by coughing.”

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“The quality and type of mucus can give you an indication as well as the symptoms.

“Any cough that is associated with a fever or shivers or shakes, that is a very serious sign.

“It will usually indicate pneumonia and needs to be attended to very quickly.

“Whereas if you are coughing up a bit of mucus, that can be a chronic thing for smokers.

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FOOD Standards Australia have created a new website to share consumer information on food allergies.

There are health and cooking tips, as well as online and downloadable resources for people with allergies and for people living with with someone who suffers from food allergies.

To check out what’s on offer for yourself, log on to the website at www.foodstandards. gov.au website and search under the consumer tab for food allergies.

From here you will be able to access the foodallergenportal and a range of web pages dealing with different elements of the food allergy challenge.

Congratulations to our Winners

Congratulations to the winners of our July Book Club Giveaway.

Elva Bell

Jennifer Mangan

Kerry Fenton

Gail Sloan

Jerry Patterson

Sue Dade

Ian Newberry

Jo-Anne Chapman

Susan Cheung

Stay tuned to the paper and our website for the latest Seniors News Giveaways Visit seniorsnews.com.au/competitions 6865582aa

build-up of mucus or “infective agents”, or it could be simply smoke or dust.

Asthma is another cause of coughing.

“Some blood pressure medications can also cause a cough,” Prof Cohen said.

“A chesty cough is often caused by a cold or a mild illness, or they can indicate a more severe infection like an influenza or an infection.

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GAINING an understanding of why coughs happen and how you can manage them, can help you live a healthier, happier life.

Your cough is a reflex mechanism trying to clear the lungs of an irritant through a forced burst of air.

It’s not normal, says medical doctor and professor of health science at RMIT, Professor Marc Cohen.

“If you are healthy, you shouldn’t be coughing,” Prof Cohen said.

“If you have a cough as part of your everyday life, there’s something going on; that’s your body saying there is something going on with your body’s respiratory system.”

A cough can be a wet or dry cough depending on the irritant.

The irritant could be a

this helps open your airways and relieve mucus.

■ Ivy leaf extract – the most common is sold as Prostan and comes in liquid, lozenge or droplet.

■ Manuka honey – avoid putting it on boiling water as it could deactivate some of the living enzymes in the honey. It is better to use as medicinal honey.

■ Salt – a teaspoon mixed with a glass of warm water and gargle.

■ Zinc tablets which help with managing a cold.

■ Thyme, sage, marshmallow extract or liquorice root tea – gargle or drink. If making a tea out of the woody part of a plant, then you need to boil it to get the medicinal compounds into the water.

No matter what type of cough you have, cover your mouth to protect others around you.

“And, be aware of what else is going on in your body at the same time, like aches and pains or a rash,” Prof Cohen said.

“Just note them as they might say something more serious is going on.”

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Michelle Bridges’ seniors program

REACH OUT: Maureen Partridge - Exercise for Seniors.

Do you suffer from any of the following: • Diabetic ulcers • Non-healing wounds • Radiation injury (bleeding, urgency from the bladder or bowel and radiation tissue damage) • Dry mouth (xerostomia) after radiation to the head or neck • Bone infections (osteomyelitis) • Osteoradionecrosis (ORN)

Hyperbaric Oxygen Therapy could provide you a solution.

HELPING older Australians to move, mobilise and maintain fitness is at the heart of a new program developed by celebrity personal trainer Michelle Bridges and the Home Instead Senior Care group which specialises in the provision of in-home care for older Australians.

Exercise for Seniors: A guide to help seniors move, mobilise and maintain fitness was created as a response to research revealing 44.7 per cent of adults aged 65 years and over are not sufficiently active.

It’s no secret that regular exercise is essential for maintaining mobility, bone density, muscle mass and balance, but it also offers many more health benefits including lower risk of chronic diseases such as heart disease and high blood pressure, management of chronic conditions such as arthritis and diabetes, higher levels of functional health and well-being and

Medicare and private health fund rebates available Travel subsidies available Little to no out-of-pocket expense

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improved cognitive function.

The Exercise for Seniors guide provides seniors with straightforward exercises that mirror their everyday actions and can be completed in just five minutes. The top four are revealed below.

■ Sit to stand “Repetition of this basic movement is great for your whole body strength as it uses your legs and core and is beneficial for your heart and lungs.

Start by sitting in the chair feet flat on the floor, looking straight ahead.

Push down through your feet, squeeze your bottom and stand up.”

■ Push-ups against wall “Adjusting this popular exercise by doing it on the wall makes upper body strength training achievable for older people and also helps keep the range of movement through fingers too. Stand facing a wall, and put your hands on the wall about shoulder width

apart and elbows just below shoulder height.

Bend your elbows and lower your chest towards the wall, then push through your hands, squeeze with your chest and return to your start position.”

■ Single leg balance “Balance deteriorates as we age, so practising this exercise helps guard against common balance issues such as falling.

Holding the chair or using the wall, put your weight on your outside leg and lift your inside leg so you are just on its tippy toes. Look straight ahead, press into your outside foot and squeeze your bottom as you do this. Count to three, then put your foot down flat, turn around to do the same thing on the other side.”

■ Side steps with arms reaching overhead “This powerhouse movement targets strength, mobility, balance and co-ordination. Make sure you have enough clear space to take three

spaces side to side. Step out to the side as you raise your arms into the air over your head then step your feet together as you bring your arms back down. Take two more steps like this, then step back three steps so you are back at your starting position.”

“As we age, it becomes all too easy to let our exercise go,” Michelle said.

“We lose the physical prowess we had when we were younger so it becomes more challenging to move the way we used to – so many people end up moving less and less. I am excited to collaborate with Home Instead Senior Care and the five minute exercise routine we’ve developed can help you maintain your mobility, bone density, muscle mass and balance.”

Go to, homeinstead.com. au/resources/exercise forseniors.

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If you are over 50, get checked now

ALL men over 50 – or over 40 if they have a family history – should talk now with their GP about prostate health.

It’s the most commonly diagnosed cancer in Australian men, with 20,000 diagnosed and tragically 3500 lost to the cancer every year.

The Prostate Cancer Foundation of Australia encourages all men to get better informed about prostate cancer.

MYTH 1: If I talk to my GP about my prostate health, it will lead to a finger exam.

BUSTED: You can keep your trousers on. A digital rectal examination (DRE) is no longer the recommended first line test for prostate cancer.

Your GP will discuss whether testing is the right course of action for you.

If you decide to get tested, then it is likely to be a PSA test. This is a simple blood test.

MYTH 2: Prostate cancer isn’t a big deal – no need to bother my GP. BUSTED: Around one in seven Australian men will get prostate cancer so monitoring your prostate health is essential. Once

you are over 50 (or over 40 if you have a family history) you need to talk with your GP about your prostate health.

Men often resist going to the doctor, but in this case, having the conversation really could save your life.

Your GP is a professional and has heard it all before, there is no need to feel awkward.

MYTH 3: If I get a prostate cancer diagnosis, it automatically means I’ll need surgery.

BUSTED: Surgery is only one of the treatment options available for localised prostate cancer.

Your specialist will talk with you about your treatment options.

And remember, the more informed you are the better – it’s always OK to get a second opinion.

For more prostate cancer information, go to pcfa.org.au/getchecked.

Check the angle of the dangle

IT DOESN’T matter whether you are in your 60s, 70s or older, it’s a good time to check out the drive shaft – your penis.

You can use the following check list from Foundation 49 for some of the items you should consider talking to your GP about and to find out more information.

■ BPH/enlarged prostate (fuel line blockage) – prostate enlargement: andrologyaustralia.org.

■ Erectile dysfunction (broken drive shaft or misfires) – erectile dysfunction: andrologyaustralia.org.

■ Prostate cancer (fuel injectors) – prostate.org.au.

■ PSA test/prostate cancer (fuel pump malfunction) – PSA test: andrologyaustralia.org.

■ Prostatitis (fuel pump infection): andrologyaustralia.org.

■ Urinary continence (worn piston rings): continence.org.au/ pages/after-dribble.html

For more men’s health information, go to www.malehealth.org.au.

Disappearing Dave Are you doing more dribbling than piddling?

If you are disappearing off to the toilet with increasing frequency to urinate, or having difficulty urinating or having a weak stream, you may have benign prostatic hyperplasia or BPH. It’s a progressive, non-cancerous disease that tends to strike ageing men.

Fifty per cent of men aged in their 50s will experience BPH, increasing to 80 per cent of men aged in their 80s.

To find out more about this condition, go to www.disappearing dave.com.au.

Prostate Cancer Awareness Month Find out more at pcfa.org.au/getchecked.

MEN’S HEALTH: Time to get your drive shaft health check.

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Your journey spans eight regions ranging from lush forests to craggy deserts.

A MOUNTAIN HIGH: Make hiking the Kilimanjaro in Tanzania one of the holidays on your to do list, and be in awe of nature’s beauty.

Photo: SVaP

Hike your way through Some places can only be dreams while others can become a real experience with the help of these super destination tips.

THIS month we profile destinations and experiences 45 to 41 as we count down the 2018 list of the World’s Best Journeys which we hope will inspire you to live life to the full.

The top 50 bucket list has been selected by Flight Network and over 500 top travel journalists, agencies, bloggers and editors.

Tighten the seat belt and let’s get you moving by putting some spring back into your forward travel plans.

HIKE THE KILIMANJARO, TANZANIA

THE seven-day Machame route up majestic Mount Kilimanjaro, the tallest mountain in Africa at 20,000 feet, begins at the Mount Kilimanjaro National Park Gate, where you’ll walk through rainforest up a winding trail.

The rainforest eventually dissolves into a small valley where you traverse a rocky ridge before reaching the Shira Plateau, a land of deep

valleys and weather worn lava flows.

Pass the Lava Tower, nicknamed “Shark’s Tooth” because of its angular shape, before resting at Barranco Camp.

Your next stop to help acclimatise is at Karanga Camp. Continue on to Barafu Camp where you’ll prepare your mind, body and soul for the Kilimanjaro summit, which commences between midnight and 2am.

This epic trek will take you between the Rebmann and Ratzel glaciers, before you take a rest at Stella Point and get rewarded by a magnificent sunrise. After reaching the highest point at Uhuru Peak, you descend to Mweka Hut and finish the following day in Moshi.

Getting there: the trip begins and ends at the Kilimanjaro International Airport in Tanzania which serves Arusha and Moshi.

As you must be part of a guided tour for this adventure, your tour company will help advice you about travel arrangements from the airport.

HIKE THE JORDAN TRAIL, JORDAN

GAIN an education in Jordanian terrain, archaeology and religious relevance by embarking on this 650km hike that takes about 40 days.

Your journey spans eight regions, ranging from lush forests to craggy deserts.

Lace up your hiking shoes in Umm Qais then head south toward your final destination of Aqaba.

Along the way you’ll encounter 52 villages allowing you to peel back the layers of this culture by tasting local cuisine, interacting with villagers and even spending the night in homestays.

Highlights of the trail include jagged cliffs overlooking the Jordan Rift Valley, the rose-red city of Petra, and the towering sandstone mountains of Wadi Rum. Be sure to pack your bathing suit as you’ll be passing the Red Sea, whose crystal clear waters take on an orange-red hue when seasonal algae blooms.

This warm sea is home to the world’s fastest fish,

the solitary sailfish, and has a thriving biodiversity, thanks in large part to its coral reef ecosystem.

Significant historical sites, such as the ruins of the ancient church of Mar Elias and the Islamic castle of Ajloun will also be encountered on the route.

Getting there: You will to fly into Jodan’s main airport, Queen Alia International Airport. From that airport a taxi is the most direct mode of transport to Umm Qais, which is about 2.5 hours away.

The trailhead is located at the basalt ruins of the Decapolis of Um Qais.

Be sure to plan your hike ahead of time, or hire one of the many local guide companies who can help you make the most of this trail, or check out the volunteer run Jordan Trail Association which offers an annual through-hike.

HIKE THE FRANCIGENA WAY, EUROPE SPANNING centuries of history and endless kilometres of

mountainscapes, the Francigena Way hike covers over 2000km from Canterbury to Rome and takes anywhere from 100-200 days, depending on how quickly you travel.

This pilgrimage will carry you through England, France, Switzerland and Italy, with famous stop points such as Dover Castle, Notre Dame, Piazza del Campo Siena and Cathedral of Saints Peter and Francis.

You journey through soft grass, stone stairways carved into mountain sides and thriving vineyards interspersed with time in grand cities such as Reims (France), Lausanne (Switzerland) and Rome (Italy).

You can pause at any time to savour a special village or flower-covered field.

At the end you can celebrate completing this hike-of-a-lifetime by tossing a coin into Rome’s Trevi Fountain and enjoying a Pizza Bianca from one of the city’s many bakeries.

Getting there: You need to get to Canterbury by bus or train once arriving

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Hike the Jordan Trail, Jordan and experience bedouin camels as they rest near the treasury Al Khazneh carved into the rock at Petra, Jordan.

Photo: DeSid

The Ancient Franceta Gate in the medieval town of Sutri.

Photo: davidf

Photo: Crisfotolux

Bushwalk in the spectacular Australian Blue Mountains.

this healthy bucket list in London. The Francigena Way starts beside the south porch of Canterbury Cathedral, at the kilometre zero stone.

From the Cathedral, turn left onto Burgate and walk along Church Street and Longport, beside St Augustine’s Abbey. After passing North Holmes Road and St Martin’s Church, turn right onto Pilgrim’s Way and begin to follow the signs for the North Downs Way. Now, keep putting one foot in front of the other, allowing a trusty guidebook to support you the rest of the way.

BUSHWALK THE BLUE MOUNTAINS, AUSTRALIA A CAPTIVATING 3861 square miles of towering eucalyptus trees, sandstone cliffs and native bushland are waiting to be explored.

Because of its intricate beauty, the best way to journey through this land is on foot.

The seven day hike starts in Mount Victoria where you can spend the day in a historical pub or an art gallery.

Relax on board the Shinkansen Bullet Train, Japan.

A few highlights of the trek include the secret grotto and rhododendron gardens at Mount Piddington, the cascading Bridal Veil Falls and Pulpit Rock lookout at Popes Glen, and the curious rock formation of Ruined Castle in the Jamison Valley.

Aboriginal legend is mixed into your trip when you lay eyes on Three Sisters, a massive trilogy of rocky peaks that are said to have been three

sisters that were turned to stone.

To reach the Three Sisters you’ll need to ascend Giant Stairway.

Once your well-worked legs have descended the stairs you get to spend the night in the quaint village of Leura. Your last walk in the Blue Mountains will be National Pass walk, which leads into a mystical rainforest gorge.

Getting there: The closest major airport to

Photo: blanscape

Mount Victoria is Sydney.

From there you can reach Mount Victoria by taking a 2.5 hour train ride from Sydney’s Central Station, or rent a car and follow the M4 highway.

RELAX ON BOARD THE SHINKANSEN BULLET TRAIN, JAPAN

Reaching a maximum speed of 320km/h, the lightning-fast Shinkansen Bullet Train offers travelers a ride of a

lifetime.

With the ability to tilt on turns, the needle-nosed Shinkansen is a thrilling way to travel. Known for its aerodynamic design and sleek rails providing ultra-smooth rides, the bullet train’s innovative, wing-shaped form helps to reduce wind resistance at high speeds.

Boarding the train in Tokyo, after exploring everything from the modern glittering skyscrapers to its historic

temples, adventurers can take the Shinkansen to the popular city of Kyoto for a picturesque journey along towering mountains and flower-drenched valleys.

Departing from the train, visitors can explore Kyoto’s timeless, island culture and a region draped in Japanese tradition.

Peruse Kyoto’s Buddhist temples, imperial palaces and Shinto shrines before hopping on the Shinkansen and rambling on to your next destination.

Getting there: With countless airlines serving Asia it’s easy to get to Tokyo.

Once at Narita Airport the most cost effective way to get the city, which is 66km away, is to go by limousine bus which departs four times an hour and the fastest way is by boarding the Narita Express.

Make your way to the Shinkansen by taking the Keikyu Rail Line to Shinagawa when you’re ready for your trip on the Bullet Train.

34

SEPTEMBER, 2018// SENIORS

Floriade adopts pop theme RETRO inspired flowerbeds will part of the annual colourful spring Floriade festival to be held in Canberra from September 15 to October 14.

Marilyn Monroe and Michael Jackson will star alongside the likes of Grug and Where’s Wally, the Rubik’s Cube and even Ken Done, as visitors go on a trip down memory lane through the pop culture.

Floriade each year focuses on exciting, diverse and innovative programs.

This year will be no different with a line-up that is nothing short of blooming wonderful.

Visitors will be treated to an exciting array of flowerbeds showcasing some of the 20th Century’s most iconic figures in music, film, literature and social media.

Food, glorious food to tantalise the tastebuds with produce from Canberra and the surrounding region will have visitors coming back for more than one visit.

During school holidays, there will be lots of

SPRING TRAVEL: Canberra’s Floriade will burst to life this month. activities for the grandkids.

Imagine enjoying your visit on a Sunday afternoon, picnicking at Jazz in the Park with special guests including the uber-talented Emma Pask.

For the aspiring or avid green thumbs there are many workshops at The Greenhouse interactive venue.

The fun doesn’t stop when the sun goes down.

NightFest, Floriade’s ticketed after-dark

experience, returns for five nights from September 26 until September 30.

Commonwealth Park will come to life after dark with illuminated flowerbeds, a line-up of local and drink food stalls,

Is Africa Calling You? Join wildlife specialist & photographer – Clive Arnold – on his Specialised Small Group African Safaris

Photo: Floriade Australia

nightly entertainment and dazzling lighting installations making NightFest an absolute must in 2018.

On the Wednesday night, Stage 88 transforms into an open-air cinema, while

Thursday and Friday nights see musicians hit the stage as the music flows through the flowerbeds including Caiti Baker, Bowie Unzipped featuring Jeff Duff and Kate Miller-Heidke.

Saturday night will be time to don the dance shoes for Party NightFest.

The park switches to party mode with Cell Block 69.

Finishing off this weekend will be a night of laughs as MA15+ Comedy NightFest returns with Arj Barker, Akmal Saleh, The Stevenson Experience, Chris Ryan and Matt Okine.

Floriade wraps up on October 14 with Dogs’ Day Out, featuring a superhero dress up pop culture theme.

All pups, big and small, are invited to soak up the sunshine and explore Floriade with special pup-friendly activities and entertainment throughout the day.

Dress up with your best friend to go in the draw to win the Best Dressed Award.

For more, go to floriadeaustralia.com.

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SENIORS \\SEPTEMBER, 2018

THE GHAN EXPERIENCE 6 DAYS, 13th April 2019

$3490*

Experience the 3 Day GHAN Adelaide to Darwin. Regarded as one of the world’s greatest rail journeys, The Ghan delivers so much more than an extended train ride. It promises access to parts of Australia no other holiday can come close to - the perfect balance of comfort and adventure culminating in a once in a life time experience.

*PP Twin Share, Single, $200 *Seniors Group Discount Rate

TOTAL TASMANIA 11 DAYS, 20th March & 26th Oct 2019

This amazing tour covers all the highlights of Tasmania including Hobart, Port Arthur, Queenstown, Dove Lake, Cradle Mountain, Gordon River, Stanley, Davenport, Launceston, Tamar Valley, St Helens, Bicheno, Frycinet National Park, Richmond, plus much more !!!!

$3490 P/P-TS* Single Supp + $650 *Plus Airfares

$699*

*PP Twin Share, Single $225

Yamba & Byron Bay Short Break - 4 Days, Departs 3rd / 10th March 2019

Travel to Cabarita Beach through to Bangalow before arriving at Yamba.

Then visiting the seaside village of Iluka and then Cruising the Clarence River.

Traveling then down to picturesque village of Brooms Head, Maclean then onto Angourie. Then through Evans Head,Woodburn and finish at Bryon Bay before heading back to Brisbane

Uluru - Field of Light Olgas & Alice Springs $3790* 7 Days - 29 May & 14 Aug 2019 *PP Twin Share, Single $550 Visiting ULURU Cultural Including Flights ex BNE Centre, Ranger-Guided Mala Walk. Heading to Kata Tjuta National Park & The Olgas Field Of Light Experience is spectacular. Touring Alice Springs. Exploring MacDonnell Ranges & Simpsons Gap

WW2 Midget Subs & Sydney 5 Days - Departs 18th March

$1790*

*PP Twin Share, Single add $380

$1490*

*PP Twin Share, Single add $420 *Plus Applicable Discount Rail Fare

Garden Island RAN Center Japanese Mini Sub Display Sydney Harbour Cruise & Sub Attack Locations, Hyde Park Luna Park High Tea Lunch Star Casino Buffet Dinner 1 Way Flights to SYD included

$3495 P/P-TS*

Single Supp + $600 *Plus Airfares

Discover Cooktown 8 Days - Departure Dates 2019: 13th April, 11th June, 15th July, 9th & 21st Sep

Depart Brisbane, Cairns, Mossman Gorge, Daintree River Cruise, Port Douglas, Discover Cooktown, Famous Lions Den Hotel, Endeavour River Cruise, Jacques Coffee Plantation

$4990

*PP Twin Share, Single add $800 *Plus Airfares

Australian Open Tennis

4 Days - Departs 15th Jan 19

$1490*

*PP TS, Single add $320 *Plus Airfares

Artvo Gallery, Star Observation Wheel, Reserved Daytime Seating Margaret Court Arena & Top Seeded Players, Puffing Billy Steam Train & Emerald Village, Colonial Tramcar Dinner, Queen Vic Markets

$1390 *PP TS, Single add $255

Majestic River Murray, 10 Days, 23rd Apr 2019 A Wonderful 10 day Tour of the Murray River by Coach Albury to Adelaide including 5 Paddle Steamers & Cruises Yarrawonga, Echuca, Euston Swan Hill, Mildura, Renmark Loxton, Goolwa, Victor Harbour The Kimberly & Beyond 11 Days, 18th July 2019 Darwin Discovery Tour Dinner Cruise Katherine Gorge Cruise, Lake Argyle, Zebra Mine Tour, Bungle Bungles Hidden Valley, Ord River Cruise & Geikie Gorge Cruise, Halls Creek, Chamberlain Gorge, Fitzroy Crossing, Broome Discovery Tours Cable Beach Eccentric Lightining Ridge 5 days - 6 May & 16 Sept 2019 Fossick for your own treasure on lands that 100 million years ago were inhabited by dinosaurs and ancient forests, a stone’s throw from the discovery one of the world’s most large and valuable uncut black opals. This is, Lightning Ridge.

Cowboys, Caves & Castles 8 days 1st June, 8th July & 12 Aug 2019

$1390*

*PP Twin Share, Single add $320 *Plus Applicable Discount Rail Fare

Half Price SINGLE

$2490 P/P-TS* Single Supp + $300

$1540 P/P-TS* Single Supp + $400 *Plus Discount Rail

$1490 P/P-TS* Single Supp + $390

This unique tour visits lots of amazing places and attractions. Cowboys at Texas Longhorn Ranch, Historical Charters Towers, Caves at the incredible Undara Lava Tubes and Castle Ruins of Paronella Park.

Hunter Valley Rose Spectacular & Xmas Lights, 8 Days, 1st November.

Enjoy the Hunter Valley Rose Spectacular, the beautiful Jacaranda Festival & the famous HVG Christmas Lights.

Cairns Xmas Capers, 8 Days, 21st December.

Cairns, Kuranda, Port Douglas, Mossman Gorge, Daintree River Cruise, Sky Rail, Reef Casino Xmas Lunch, Dundess Restaurant, Harbour Cruise

A Golden Coast Xmas, 5 Days, 23rd December.

Gold Coast, Broadwater Cruise, Mermaid Beach, Tweed River Cruise, Xmas Day Lunch at The Star Casino, Coolangatta, Byron Bay, Mt Tambourine, Lunch at St Bernards with magical views over the Gold Coast.

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36

SEPTEMBER, 2018// SENIORS

Glorious garden tours Grand tours across Europe for those with green fingers THE ultimate green thumb’s overseas holiday would have to be travelling by ship, train and coach through European countries visiting iconic and private gardens, and famous garden shows.

The grandest tour has to be APT’s Botanica World Discoveries, Grand European.

The 43-day tour takes in eight countries.

Departing on April 25, 2019, the tour starts in Amsterdam in time to see the glorious spring bulbs.

You then sail the Rhine and Moselle rivers to Basel and onto Zurich accompanied by the London Festival Opera.

From Zurich you fly to Budapest where the group boards the luxurious Danube Express train over the European Alps viewing Alpine wildflowers before arriving into Venice.

Then travel from Venice to Bordeaux visiting iconic gardens and picturesque landscapes on a leisurely tour where you can enjoy unique art inclusions and watercolour tuition from our art guide.

Finally, enjoy a relaxing eight day river cruise through Bordeaux visiting gardens, chateaux, art and vineyards of the region.

The tour includes free business class fares with Lufthansa, with some conditions applying, if booked before October 15, 2018.

The price is $42,990 per person for twin share and $55,990 for solo travellers.

Other Botanica 2019 gardening tours are: ❚ Hampton Court Flower Show and Gardens of Sussex Tour, UK – this show is set on the grounds of Hampton Court Palace and is held

during the summer months.

Visit this show on the eight day tour which departs on June 17.

Tour price is from $5995 per person, twin share. ❚ BBC Gardeners World Live, Birmingham, UK – it’s the ‘garden party of the year’.

See British and world leading gardens and garden designers.

Visit this show on Botanica’s 12-day Historic Houses and Gardens of the United Kingdom Tour which departs on June 15.

Tour price is $8995 per person, twin share. ❚ Dublin in Bloom Festival, Dublin, Ireland – showcasing the best of Ireland’s gardens plants, design, construction, horticulture and gardening as a hobby.

You can combine a visit to this event with Chelsea Flower Show. Visit this show on Botanica’s 10-day tour which departs on May 21.

Tour price is from $9995 per person, twin share. ❚ Chaumont Garden Festival, Loire Valley, France – set in magnificent castle grounds, see superb displays created by teams of artists, landscape architects and designers.

Visit this show on Botanica’s 13-day Loire Valley, Dordogne and Bordeaux Chateaux gardens tour which departs on May 25.

Tour price is from $13,995 per person, twin share. ❚ Bohinj Wildflower Festival, Bohinj, Croatia – travel into the hills of Slovenia to see the majestic wildflowers of the region at the Bohinj Wildflower Festival.

BOTANICA BEAUTY: Keukenhof Garden, Amsterdam.

Libourne River and bridge.

Marqueyssac Garden, France.

Dublin Flower Show.

Keukenhof Garden and Lake, Amsterdam.

Chelsea Flower Show.

Visit this show on Botanica’s 14-day Spring Wildflowers of the Italian Lakes, Slovenia and Croatian Islands Cruise which departs May 25.

Tour price is from $11,995 per person, twin share. ❚ Art & Gardens in France – hosted by Brian Healey, you will travel from

where you will be accompanied by Brian and visit special art inclusions, including a tour of the famous Beaux Arts Gallery in Bordeaux, a visit to Le-Temple-sur-Lot garden where Monet painted his Les Nymphaea’s series, enjoy lectures aboard as well as opportunities for

Cannes to Bordeaux where you can participate in art classes along the way.

All materials will be provided as well as tuition from Brian which is suitable for beginners and experienced water colour artists.

Continue onto the Bordeaux river cruise

painting and tuition.

The 14-day tour departs on May 24.

Tour price is from $13,595 per person, twin share, and $16,995 for solo travellers.

For more information, go to botanica.travel, phone 1300 305 202 or talk to your local travel agent.

SENIOR COACH TOURS TOOWOOMBA CARNIVAL OF FLOWERS, WARRUMBUNGLES NATIONAL PARK, COONABARABRAN COWRA, CANOWINDRA, YOUNG, BOWRAL, HUNTER VALLEY. 9 Days Sunday 23rd September - Monday 1st October $2100 Canberra Coach Tour, Floriade, Tulip Top Garden, Lake Burley Griffin Cruise, Cockington Green, Plus more

PORT MACQUARIE, FORSTER, TUNCURRY GLOUCESTER. COFFS HARBOUR

6 Days 15th - 20th October $1399 Fare includes: Motels, Breakfasts and Dinners, All Admissions, Mystery Lunch, Dolphin Marine Magic, Port Macquarie Boat Cruise, Billabong Zoo Koala and Wildlife Park, Bellingen Morning Tea, Bangalow, Murwillumbah, and Tweed Regional Art Gallery.

All Tours Includes HOME PICKUP AND RETURN: Sunshine Coast, Caboolture, Redcliffe, Brisbane,Redlands, Gold Coast.

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37

SENIORS \\SEPTEMBER, 2018

Chasing cherry blossoms

Treat yourself to a Japanese adventure

NOWHERE on the planet do the modern and the ancient co-exist more harmoniously than in Japan.

Kimono-clad ladies chatter on futuristic phones while blurring by on the fastest trains in the world; thousandyear-old Zen temples are dwarfed by seas of skyscrapers; and neon signs are reflected in flooded rice paddies.

This fascinating country provides a sensory cultural overload, delivered in the most gracious and polite manner.

The arrival of cherry blossoms, locally known as Sakura, are an important part of Japanese culture.

Symbolising new beginnings and hope, their fleeting beauty is also a key characteristic representing human life, transience and nobleness. Adding to their magic and mystique, the Sakura are usually only in full bloom for a short time in spring.

According to text from the 8th century, the

BLOSSOMING ADVENTURE: Experiencing a sea of trees showing off bright pink flowers is well worth adding to the list.

tradition of Hanami, or flower viewing parties, have been held since at least the 3rd century, and is still an event of important cultural significance for Japanese

people today.

It is common to see people having picnics under the cherry blossom trees during the day or admiring the blossoms by lantern light at night,

which is a magical sight.

If Japan is on your bucket list, spring is a great time to visit.

HANDY HINT: Next year Go See Touring will host an 11-day escorted tour to

Japan for the Cherry Blossoms, departing Brisbane, Sydney and Melbourne March 31, 2019.

The tour price is $7650 per person share twin,

including return airfares.

For full tour details, go to goseetouring.com or contact one of their friendly staff on info@ goseetouring.com or phone 1300 551 997.

Spring into a flowerful adventure on your next overseas trip A FLOWER Dome, Supertrees, Dragonfly Lake and Cloud Forests... no, it’s not the set of Ridley Scott’s next film, but rather Singapore’s freshly minted Gardens by the Bay. Spanning 101 hectares, the gardens are a showcase for horticultural artistry.

Living plants aside, all 700,000 of them, the waterfront park features man-made trees

stretching 50m into the sky with steel trunks and illuminated wire rods for branches providing nightly sound and light shows with plenty of drama.

Today, Singapore is widely acclaimed as a global capital for culinary innovation, encompassing not only local street food and fine dining, but also new and innovative dining concepts at all price ranges.

From savoury carrot

cake to Hainan chicken rice and knock-your-socksoff curries, Singapore’s hawker centres are cheap, cheerful and unforgettable.

A melting pot of ethnic diversity, the many centres – Maxwell Road, Newton and Lau Pa Sat are reliably good – are always buzzing with locals swarming around stalls selling steaming bowls of noodles and ocean-fresh seafood. Fans chug

overhead, plastic plates clatter, Tiger beer bottles clink and fizz – now that’s fine dining.

For retail therapy, the GSS, Great Singapore Sale, happens yearly between June and August and offers plenty of shopping opportunities, from the upscale boutiques in Marina Bay Sands to the intimate shops of Haji Lane and the malls and markets that line Orchard Road.

One of the newest kids on the shopping block is ION Orchard, about 400 retail outlets sprawling over numerous levels and underground passages.

Go See Touring has two very special escorted tours to Singapore in 2019.

Join Australian musicians Rodney Vincent, Graeme Hugo and Fortunato Isgro on an eight day Singapore Showcase Tour departing March 2, 2019.

This tour features two fabulous concerts by these entertainers. Price $3999 per person share twin (Ex Bne, Syd, Mel).

For food lovers the eight day Singapore Food Festival Tour (departing Bne, Syd, Mel) on July 21, 2019 is sure impress.

For a full itinerary, go to goseetouring.com or contact one of the friendly staff via email info@ goseetouring.com or phone 1300 551 997.

ALL ABOARD FOR A RELAXING JOURNEY

SATURDAY 22nd & SUNDAY 23rd SEPTEMBER ANNUAL CARNIVAL OF FLOWERS Come aboard a steam train at Roma St & travel to Toowoomba to see the Carnival of Flowers & view some of the gardens.

Lunch Option Avail. Return Trip.

WEDNESDAY 26th SEPTEMBER CARNIVAL OF FLOWERS SILVER BULLET RAIL MOTOR Travel on the Silver Bullet 2000 Class Series Rail Motor from Roma St to Spring Bluff & onto Toowoomba.

Lunch Option Available. Return Trip.

NATURAL ART: Visit the stunning Gardens by the Bay in Singapore on your next trip.

Photo: Tilt Pte Ltd

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SEPTEMBER, 2018// SENIORS

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39

Living

Free app lends a hand in a crisis

LIVE A RELAXED LIFE: Good living at Redland by Gateway Lifestyle.

Photo: Alain Bouvier

Keeping active and connected in Redlands

MOST new residents at Redland by Gateway Lifestyle will meet Di Braddon fairly soon after moving in, especially if they get involved in any of the day trips or visit the bar in the community centre.

“I drive the community bus on day trips and out to local events,” she said.

“I really enjoy it and it’s a great chance to meet people and keep active.”

Driving the bus isn’t the only activity Ms Braddon

is involved with – when the new community centre opened earlier this year, she was keen to take up duties as one of the volunteer bar tenders.

“I am always busy doing something, I certainly don’t have time to get bored,” she said.

Living in a community like Redlands by Gateway Lifestyle, in the picturesque bayside surburb of Birkdale, is perfect for people who love to keep busy and get out and about.

Located 30 minutes from the vibrant Brisbane

CBD, residents at Redlands by Gateway Lifestyle enjoy the ideal combination of city conveniences together with bayside charm.

Birkdale is a popular choice among those who are on the cusp of retirement, as well as active retirees who want to take advantage of the wonderful amenities on offer.

Gateway Lifestyle chief executive Trent Ottawa said the homes at Redlands were designed with low-maintenance living in mind.

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homes remaining and Mr Ottawa said they didn’t expect them to be available for long.

“We have a limited number of new, purpose-built homes left, so get in quick if you’re thinking this is the time to downsize into a low-maintenance lifestyle,” he said.

Sales consultant Wendy would love to show you around one of the five remaining new homes available.

To book a time for a visit, phone Wendy on 0408 888 690.

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“One of the new home styles we have available is the two-bedroom, two-bathroom Walker, which is an elegant and spacious home with open-plan lounge and dining areas flowing out onto the entertaining courtyard,” he said.

“This home is perfect for summer entertaining, which, of course, means most of the year in southeast Queensland.”

The final stage of homes was released in June and sales quickly followed.

There are only five

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BRAND INSIGHTS

EMERGENCY+ is a free smartphone app which helps Australians to call the correct number for help in emergency and non-emergency situations so callers anywhere in Australia can make the right call at the right time under pressure.

The app also uses the GPS functionality of smartphones to enable callers to provide emergency call-takers with the caller’s location. The latitude and longitude details are relayed to an emergency operator as well as the address and suburb details.

More than 65 per cent of calls to Triple Zero (000) nationally are made from mobile phones. In many cases callers aren’t aware of their location, especially if they are in open space areas like beaches, parks, long stretches of roads or simply unfamiliar with their surroundings.

The Emergency+ app includes the option of calling State Emergency Services 132 500 or Police Assistance Line 131 444 numbers.

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LIVING

SEPTEMBER, 2018// SENIORS

Find your best energy deal BRAND INSIGHTS IT WAS highlighted in the Queensland budget that only 7 in 10 eligible people take advantage of the energy concessions available to them.

This means that 57,000 eligible people did not utilise any electricity concession, which equates to just over $19 million of unclaimed concessions.

These concessions are in place to support different groups of Queenslanders in dealing with rising cost of living pressures.

Seniors Card Holders A concession is available to those that have supported the state and are now retired.

Gold Card Holders Veterans are entitled to a concession through the Department of Veteransâ&#x20AC;&#x2122; Affairs.

Pension Concession Card Holders Those who currently qualify for a Pension Concession Card or a Commonwealth Healthcare Card are eligible for a concession.

Immicard Holders

A GOOD DEAL: Having a concession applied is simple. If you hold a Seniors card, Gold card, Pension concession card or Immicard, just contact your electricity supplier and let them know and they will confirm and apply it on the spot.

There is also an asylum seeker assistance for those eligible with an Immicard.

One of the main reasons eligible people do not have a concession applied to their electricity account is simply lack of knowledge. It is a shortfall of the system that these

concessions are not applied automatically and individuals must ask for them. Your retailer should have systems in place to make sure that all of their customers are aware of the concessions they are entitled to.

If you donâ&#x20AC;&#x2122;t remember being asked about

concessions by your retailer you should call them to make sure you are not missing out.

The second highest reason for not having a concession applied is that eligible Queenslanders donâ&#x20AC;&#x2122;t like getting assistance.

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pressure continues to face all Queenslanders and those eligible for concessions are representative of that group more than most.

It is important to remember that in claiming your concession you are not taking funds away from other people or

issues, these are entitlements that have been set aside by the government for this purpose.

The State Government also distributed earnings from state owned electricity assets to the value of $50 to each residential electricity account across the whole state regardless of eligibility for concessions.

Everyone should have seen this on their account for the April/May period and if you have not you should contact your electricity supplier.

Having a concession applied is simple, if you hold one of the above mentioned cards, just contact your electricity supplier and let them know and they will confirm and apply it on the spot.

Unfortunately, backdating the concession has limitations, but moving forward you could be saving around $340 each year on your electricity bills.

To learn more about your right to a concession, phone LPE on 1800 040 168.

SENIORS \\SEPTEMBER, 2018

LIVING

41

Support seniors Crowned is here to help

CROWNED is a company that reaches national and international clients, inspired by the ever increasing effects on seniors experiencing social isolation, causing increased abuse incidents and health issues both physically and mentally.

The Crowned slogan, You Are Not Alone, summarises the purpose and conviction in which the company’s intentional services were founded.

At Crowned, we recognise the impact on seniors who are living without personal supports and are disconnected from their community for various reasons.

We also understand that family and friends balance very busy lives, reside overseas, interstate or are geographically separated from people they are concerned about.

Crowned stands in the

SPREADING JOY: Maria Paterakis will host seminars this month.

Retire with joy, passion, purpose and vitality

Jill Abraham is the founder and managing director of Crowned. gap for you through our engagement services.

Having embarked on private transport services, social group day trips, international engagement bookings, corporate services and planned roll-outs occurring for future virtual services, there is much to be achieved in support of our seniors.

Feeling isolated, alone, vulnerable, depressed, forgotten or neglected doesn’t need to be how today ends and your future unfolds.

We are so excited to be part of the solution for a generation to whom we owe a great debt as

the pioneers of an incredibly rich heritage of opportunities in Australia.

I am very grateful to be reaching our international families.

As our mission, vision and values reflect, let’s work together to honour our senior generation and effect change with a thankful hand of friendship and a heart not conservative about giving back.

For more information, visit the website crowned.org.au or phone 0402 638 881.

— Jill Abraham, founder and managing director

WOMEN over 45 who are thinking about retirement or have already retired and are anxious about what their life will be like in the coming years can reach out and connect with others through Retiring with Joy TV. Some women have real concerns and are looking for answers about financial sustainability and freedom, accommodation options, health and well-being, the health of their partner and extended family, being alone and even being a burden on others as they

River Glen

age.

Retiring with Joy TV host and producer Maria Paterakis is a women’s counsellor based on the Gold Coast.

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Ms Paterakis is conducting her Retiring with Joy two-day program on September 12 and 19 from 10am-3pm at the Gartner Hemmingway Community Room,

Victoria Towers, White Street, Southport.

The cost is $388 and bookings can be made via email to Maria at maria@ retiringwithjoy.com, phone 0429 119 775 or go to facebook.com/Retiring WithJoyTV. Retiring with Joy TV is a place where you can meet women who are living with passion, purpose and vitality, discover tools, information and services to support you in your planning and, if you are retired, discover ways to reignite your life. Go to retiringwithjoy.com.

21 RUSTIC COURT PALM LAKE RESORT BETHANIA

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Priced for a SWIFT SALE at just $245, 000, 21 Rustic Court is offered for sale to the most discerning buyers. This beautifully appointed spacious property boasts a two for one homey and resort feel from the moment you set eyes on it. From its street appeal to its back yard, this home offers “something special” in the way it is designed and presented. Featuring 2 large bedrooms, separate indoor laundry, remote garage and separate garden shed, air-conditioned open planned living with raked ceilings, functional bathroom and well-appointed kitchen all with neutral tones to bend to your own flair for styling. The new owner of this home will be spoilt for choice with two separate outdoor living spaces as well as all the resort itself has to offer.

ROZ ABRAHAMS 0413 07 07 07 roz@atrealty.com.au www.atrealty.com.au

42

SEPTEMBER, 2018// SENIORS

Money

Tony Kaye MOVING from employment into retirement is one of the most stressful financial stages in life, but it may be surprising to learn that the older we get the more we tend to save.

That’s one of the findings from actuarial services provider Milliman in a new report, which suggests that retirees’ age is just as strong an indicator of behaviour as income levels.

It casts doubt on common benchmarks, such as using a percentage of one’s final salary as a retirement savings target, which makes little allowance for lifestyle changes.

Of course, some of us will spend more in retirement and others less. Some will run out of superannuation money and need to rely on the Age Pension.

Yet, the Milliman Retirement Expectations and Spending Profiles (ESP) report shows that the median retired couple’s expenditure falls by more than one-third (36.7 per cent) as they move from early retirement (age 65-69) and into older age (85 years and beyond).

Interestingly, this new analysis includes the

We are saving more as we age

latest census income data and shows that poor, middle-income and high-income retirees all show similar declines in expenditure throughout retirement.

The research tracks personal income (using census data) against expenditure (using the Milliman Retirement ESP) for low-income retirees (annual income below $33,800).

While expenditure briefly peaks above income just before retirement in their early 60s, it quickly tapers off into older age.

These low-income earners actually earn their highest lifetime incomes through retirement, earning more as they age.

This is largely due to the support of the government Age Pension.

Middle-income retirees (annual income between $33,800 and $91,000) also show similar declining expenditure (although their expenditure never exceeds income).

Their peak spending – as a proportion of their income – is reached in their late 60s.

At this point, average incomes are sitting at around $54,000, and spending is at a little over $30,000.

Similarly, high-income earners (annual income above $91,000) are also

RETIREMENT SAVING: The older we get, the more we tend to save. saving money into retirement.

Their spending drops from a peak figure of around $80,000 a year at about age 50, to around $65,000 in the late 60s, to around $38,000 once they hit age 85.

The Milliman research shows that while wealthier retirees spend more in absolute terms, all three groups are saving money in retirement to greater and lesser degrees.

The Milliman Retirement ESP provides the most accurate possible picture of retiree behaviour by tracking changes in the real-world expenditure of more than 300,000 older

Australians.

It shows that the average proportion of income spent on housing, food, energy, leisure, goods and services, travel and insurance either declines slightly, or remains the same, regardless of income levels, through retirement.

Only expenditure on healthcare increases.

Travel is the biggest loser as we age and lose mobility, falling from about eight per cent of spending to below four per cent.

Yet, while overall spending declines, there are still significant variations between the lowest and highest earners in terms of how

money is spent.

There are also important expenditure trends under way, with home ownership levels declining in Sydney and Melbourne while energy prices are escalating quickly.

Milliman consultant Jeff Gebler said although energy represents a small proportion of overall household expenditure, the amount spent is significantly correlated to income levels: higher income households have more expensive (and energy-consuming) lifestyles.

Energy expenditure increases until about age 65 and then stabilises

Photo: Wavebreakmedia

before rising from age 80 (this may be because elderly Australians spend more time at home and want to feel more comfortable rather than moving into aged care accommodation).

All this data is interesting, but it has some practical implications as well.

For one thing, superannuation funds and other financial product groups should be using it to design products to better meet the long-term income needs of retirees.

Tony Kaye is the Editor of Eureka Report, which is owned by InvestSMART. www.investsmart.com.au.

SmartMoney talk finance matters for women Paul Clitheroe THE #MeToo movement has highlighted issues of sexual harassment, but women face another challenge: the struggle for financial independence.

Money regulator ASIC recently released some disturbing findings. Two out of five women find money decisions stressful and overwhelming.

More than eight out of ten women aged under 35 don’t have a grasp of basic investment concepts, and women are still retiring with, on average, half the superannuation of men ($230,000 v $454,000).

The irony is that research continually shows women often make better investors than men, especially when it

comes to researching options and taking a conservative rather than overly optimistic approach.

However, women face serious challenges that can hold back their financial growth including the gender pay gap, and the greater likelihood of taking time out of the workforce to be carers either for children or ageing relatives.

On top of this, ASIC says women often focus on the everyday needs of their families and so tend to view money as a short term rather than longer term issue.

To help women focus on their financial well-being, the MoneySmart website has launched a series of Women Talk Money videos.

They feature Australian

WISE WOMEN: Women still face the struggle for financial independence.

Photo: Bojan89 women sharing personal stories about money – an initiative designed to kick-start conversations around money matters and encourage women to make better financial decisions.

That’s a good thing. The more we talk about our

financial experiences, the more money management becomes a normal part of everyday life. MoneySmart also offers links to a range of free money tools including a budget planner and parental leave calculator.

There’s no doubt that

reforms around the gender pay gap could help women enjoy a more level financial playing field.

Removing the $450 per month Superannuation Guarantee threshold, which sees many part-time and casual workers – both men and women, denied employer-paid super contributions, could also have a significant impact on women’s financial health.

However, these are things we can’t control in our everyday lives.

What we can take charge of is the way we approach money.

Something as simple as take an active interest in our financial well-being – and sharing ideas in open conversations can be the start of important change.

For the record,

encouraging women to achieve financial independence is something that should start from an early age.

US studies highlight the way that gender bias can kick in during childhood.

Parents are often more likely to discuss money matters with boys rather than girls, or reward sons more than daughters for being good with money.

Having relaxed discussions around money with our daughters can instil a sense of confidence that they can, and should, take control of their personal finances.

Paul Clitheroe is Chairman of InvestSMART, Chairman of the Australian Government Financial Literacy Board and chief commentator for Money Magazine.

SENIORS \\SEPTEMBER, 2018

MONEY

43

Who looks after super when I can’t?

Monica Rule THE two most common questions I am asked by my Self Managed Superannuation Fund clients is who can manage their SMSF when they are unable to, and what they can do to make sure their superannuation goes to the right people when they die.

Normally, these clients are members of a single-member SMSF or a husband and wife in a two-member SMSF. This means they are the main decision-makers.

Under the superannuation law, an SMSF is a private superannuation fund where all members are individual trustees or directors of the corporate trustee.

This means if a member

is unable to manage their SMSF, they can no longer act as a trustee or director of a corporate trustee – the SMSF will not comply with the legal structure under the law.

Although the law allows six months for an SMSF to restructure, someone still needs to make decisions during this period.

So what options are there for an SMSF member if they can no longer manage their fund because of mental incapacity or death?

One option is an Enduring Power of Attorney. An EPoA is a legal document that allows a member to give a trusted person authority to make decisions for their SMSF. In the event a member is unable to act as a trustee or a director, their attorney can act in

their place.

The attorney assumes the duties, responsibilities and obligations of an SMSF trustee in their personal capacity.

This means the attorney will be subject to civil and criminal penalties for any contravention of the superannuation law.

However if there is no EPoA in place prior to a member losing their mental capacity, then the only option is for someone to approach the Civil and Administrative Tribunal for either an administrator or a financial manager to be appointed.

This may be a time-consuming and stressful process for loved ones to have to go through.

SMSF members should also consider putting in

SUPER ADVICE: Act now to protect your SMSF. place a binding death benefit nomination. A BDBN is a legal document that requires the remaining SMSF trustee to pay the deceased member’s superannuation to the person nominated by the deceased.

Without a BDBN, a member cannot be certain their super will go to the people they intend.

The government proposal to increase the maximum number of SMSF members from four to six may assist with some of these issues. It

means there will be other members in the SMSF who can hold an EPoA for an incapacitated member.

However with more people making decisions for an SMSF, it may create greater risk.

There is also the potential for children to use their numbers to outvote their parents.

SMSFs with larger numbers of members will need to have a trust deed with solid dispute resolution mechanism to resolve conflict among members.

Photo: kerriekerr

If SMSF members no longer wish to manage their fund, they could consider converting their SMSF to a Small Australian Prudential Regulation Fund, where a professional licensed trustee is responsible for managing the fund.

There is also the option for members to roll their super into a retail or industry super fund prior to winding up their SMSF. For more SMSF information from Monica Rule, go to www. monicarule.com.au.

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GARDENING

SEPTEMBER, 2018// SENIORS

Super spring tips from our local gardeners

Thanks to our passionate local gardeners, this month we share just a few of their top spring planting tips...

GWEN BARNES, 66, TWEED HEADS

SPRINGTIME for roses means feeding, says Gwen.

She recommends before you start that you remove all the mulch you put on in winter to protect the plants.

Gwen says if you leave it on they could end up with root rot or with little nasties crawling around that you don’t want. Then create air flow around the base of the plants.

If you find your roses

have developed scale, spray them with eco oil.

This is the time when roses are on their way to fabulous blooming and need lots of nutritional

GRAHAM RUSHTON, 75, BUNDABERG

IT’S time to compost to boost the efficiency of the garden, before starting your spring planting. Graham’s compost has leaves from trees in his garden, dead headed flowers and any other plants around the garden that need to be recycled.

To make it Graham uses his lawnmower. He

spreads everything out on a small patch of grass and then uses the lawnmower to cut it up to make the compost.

Because he has chickens he also adds

KAY NESBITT, 71, GOLD COAST

KAY’S succulents are her passion.

They are easy to grow, fairly hardy and produce glorious colours.

At the start of spring, the first job for her is trim the plants.

She then has a very close look at all her plants, moving those that will benefit more from the summer sun and moving others than can sit happily in the shadier areas.

Some of her plants will be moved into a new pot and given a boost with a half succulent and half potting mix refresher, or

PAT ROSER, 87, COFFS HARBOUR

IT’S time to prepare the ground for spring annuals – primulas, marigolds and pansies, Pat says.

She digs quickly over the soil, digging in the mulch that has been sitting there during winter. Then Pat gets the fertiliser ready for when she starts planting.

Pat will pop in the fertiliser and the garden

compost she has been making before putting in the plants.

things to get them on their way.

A good general all-purpose feed will keep them happy. Gwen says give them some Epsom Salts and a little bone meal mixed up in about a quarter of a cup. Doing this may well boost them.

Gwen encourages seniors to enjoy the spring and look forward to awesome blooms.

Her’s will be on display at the Annual Flower & Garden Show on September 29. some of the soil from their yard.

Graham also adds good quality potting mix and Rooster Booster. He spreads this over the vegetable garden and around the flowers.

If you live in an apartment, he suggests you hand cut your dead headed flowers, add potting mix and very little Rooster Booster as it is quite strong – maybe 10-12 pellets. she uses that mix to top up her pots and garden plants.

Kay will cut a few pieces off some of her succulents, wash off the soil and put them in a vase that is about half full of water, where they can sit inside her house as a beautiful display for several months.

In later months, she will replant those cuttings in her garden.

She also swaps cuttings with like-minded friends.

Once that is done, Pat will put on a layer of lucerne just to protect the plants.

For the fertiliser Pat uses dynamic lifter, but during summer she uses Osmocote granules or Seasol.

Living in a retirement village, her gardens are on display for the residents and they have open days and a Coffs Harbour gardening competition.

ROBERT JANETZKI, 72, TOOWOOMBA

JUST in time for the Toowoomba Garden Festival which runs from September 21-30, Robert recommends for bromeliad enthusiasts the following spring tips.

Start with removing all dead leaves, particularly from the vase as the debris can rot the plant if it’s not flushed out.

Next is to fertilise with

a slow release product with no copper in it, an organic fertiliser or a seaweed like Seasol or Organic Extra.

CHRIS O’DEMPSEY, 73, SUNSHINE COAST

WHILE Chris’ various orchid plants will flower at most times of the year, spring is when they are at their most magnificent.

To prepare them for his annual open garden and to keep them in good health for the hot months ahead, Chris is busy nurturing his prized plants.

He targets the warmer part of the day to spray the all each plant with a

mild fertiliser diluted into about two or more litres water.

It is made up of 15ml of

JEAN TYLER, 77, CENTRAL COAST

JEAN says it’s time for her gloriously colourful selection of pansies, violas and impatients, with winter greens among them, in the hanging and ground-level pots, to be refreshed.

She firstly removes the plants as they end their winter blooming.

Then Jean takes out about a quarter of the soil and puts it in the

garden, replacing it with fresh potting mix and everlasting fertiliser.

Once planted up, she waters the pots with Seasol.

Jean is planting

BERENICE CORVI, 86, BRISBANE

EVEN after 54 years of sharing her gardening skills to her fellow Mitchelton and Districts Garden Club members, Berenice still looks for something special for each month’s meeting.

Berenice plans for spring to have ready some bulbous flowers.

She starts with testing the soil to ensure the acid in the garden reads no less than 6.5, and then she uses her old lawn

composted clippings to mulch around the plants to protect against evaporation.

Her trick to help fast track the growth of her spring seedlings is to hold them in a little hole and then water them in with

A good check for disease such as scale or mealybug is worthwhile doing. The pups, or new growth, can then be removed from the mother.

But, before they are planted in pots or in the garden, Robert recommends letting them sit somewhere dry for 24 hours to help avoid disease or rot getting into the root of the pup.

Carbaryl, a teaspoon of trace element, four or five teaspoons of orchid bloom booster and orchid fertiliser, when then needs stirring.

On Australia’s east coast, Chris said the easiest orchid to start growing in spring, indoor or outdoor, are the soft cane dendrobiums which have a beautiful perfume, and in protected areas of the garden, the phalaenopsis which can flower for up to three months. snapdragon and marigold seeds which she has stored during the winter in an envelope and kept in a kitchen draw, plus geranium cuttings, verbena and petunia plants. Jean tries to use small plants so she can get lots of them in a pot, leaving room to add in each pot a few summer edibles plants such as frilly lettuce and Chinese greens.

Seasol.

Berenice’s other clever spring tip is to put a clay pot on top of each planting and spread mulch around the pot’s edge. They are left like that for a few days. Then for about five days she takes the pots off each morning, so the plants get some sun, before replacing them at night.

Finally, if the sun is very strong, Berenice places garden cuttings around the edge of each planting to create some shade.

SENIORS \\SEPTEMBER, 2018

PUZZLES

JIGGERED

3/9

The challenge is to rearrange a crossword which has been broken into 25 sections. One letter has been given to get you started. Work out which s uare ts in with that letter and write in the letters.

You can also shade the black s uares i you nd it hel ul. ter co leting the rst area work out which s uare oins on to it and continue until you have ade a co lete crossword.

M P O L A T

A R O U M O N

S E E A Y A R

J E R O T

H A F Y L

N S E K E

E A F L A S U

W E B N O P O

N Y

M

B E

I T N D A

E T A O T A P

M E T A F E R

E T R

O O F

M A C A A H A R

O A G V A W A

T V A M A G

O O D N R E R

V E E R R I

A C R E D

E S E C T R E

H E L O A S U R

N I

I N I C T W N C V E T

Z E O

C D E K E

N

QUICK CROSSWORD Across 1. The last in a line (4,3) 5. Soak (5) 8. Comprehension (13) 9. Nonetheless (3) 10. Person used in an experiment (6,3) 12. Tunnel (6) 13. Ascending (6) 15. Not covered, nanciall (9) 16. Crone (3) 18. Inexplicable (13) 20. Link (3-2) 21. Cut apart (7)

1

Down 1. Honestl (5) 2. Unspeci ed (13) 3. Outrageous (9) 4. Dela (6) 5. Uproar (3) 6. Be ond doubt or reproach (13) 7. Occupied (7) 11. Speeds up, facilitates (9) 12. Flower arrangement (7) 14. Land (6) 17. Welcome (5) 19. Point against (3)

2

3

4

5

47

6

7

16

17

8

9

10

11

12

13 14

15

18

19

TRIO

Can ou complete these four words, using the same three-letter sequence in each

SUDOKU

20

21

Fill the grid so every column, every row and 3x3 box contains the digits 1 to 9.

Y

Across: 1. Tail end 5. Douse 8. Understanding 9. Yet 10.

Guinea pig 12. Burrow 13. Upward 15. Uninsured 16. Hag 18.

Unaccountable 20. Tie-in 21. Dissect.

Down: 1. Truly 2. Indeterminate 3. Egregious 4. Detain 5. Din 6. Unimpeachable 7. Engaged 11. Expedites 12. Bouquet 14.

Ground 17. Greet 19. Con.

QUICK CROSSWORD D E N S

S T E M

E N L A R G E D

A G U E

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

E Y E

QUIZ

S G E U R O N A L E S S M A M A I N C I D S T I N H O S S S C O T R O OM I T T I N A L O B L EW E E M N A D Y

C O OW M E A S

8 LETTERS COINCID MITTING NLA G D G ANULA GUNSMITH HOLOG AM INSC IB NAUS AT

1. Which mountain is Australia’s highest: Mount McKinley, Mount Kosciuszko or Mount Kurumda?

2. Which planet was the first in our Solar System to be discovered with a telescope?

3. Is an apse a poisonous snake, part of a church or a police officer’s telescopic truncheon?

4. What is the name of the professor in the game Cluedo?

5. Who was buried in 1901 wearing her wedding veil and with a plaster cast of her dead husband’s hand?

6. What was Dexy’s Midnight Runners’ 1982 hit song?

7. In which sport is the Stanley Cup awarded?

8. The Aswan High Dam is built on which river?

S T A R

6 LETTERS GAMBOL AM OD SOL MN ST SS

QUIZ

U N I T

5 LETTERS ADIOS

ASCOT SAT STINT TOTAL T USS

P O D S

4 LETTERS AGU ALO BID COMA D NS DIAL A N S G A L SS

L WD MAMA M SS MIL OD S ONTO OP N OW S PODS PUSS IP OOM SACS SAGA SLOT SOOT SOYA STA ST M TOGA UNIT U G

WORDFIT

3 LETTERS AY DY AT ND A Y G MAY NAB NOW OWN AY

1. Mount Kosciuszko, 2 Uranus, 3. Part of a church, 4. Professor Plum, 5. Queen ictoria, 6. Come On ileen , 7. Ice hocke , 8. Nile.

Solution opposite

JIGGERED

Fit the words into the grid to create a nished crossword

TRIO: SCo

WORDFIT

SUDOKU

Good 14 Very Good 18 Excellent 22+

ALPHAGRAMS

F N

BoLES, CLoUTS, DELIVER, ENTRAILS, FLASHIEST.

576

M E T A F E R T Z E O O O D N R E R E O T O R F E T A O T A P

TODAY

T

L I

LOB S LOCUST IL D LAT IN S FAITHL SS

N I H E L T W O A S U R I C H A T V F Y A M A L G E S E A F E C L T R E A S U N A S E C R E K E D V E N I C E N R R I V E

I S

N K

How man words of four letters or more can ou make ach letter must be used onl once and all words must contain the centre letter.

There is at least one nine-letter word.

No words starting with a capital are allowed, no plurals ending in s unless the word is also a verb, e.g. he burns with anger.

M A C A R O A A U H A R M O N O A C G V D E A W A K E N N M P O L Y B E A T W E B J E N O P O R O T S E M I T A N E Y A R D A

WORD GO ROUND

WORD GO ROUND

Solve the anagrams. ach solution is a one-word anagram of the letters beside it, and the ve solutions are sequential. For example, if the ve-letter solution starts with J, the six-letter solution starts with K, and so on.

fist fits flint flit flits instil kilt kilts kist kits knit knits lift lifts lint list sift silt SKINFLINT skint skit slit snit stink tiki tins

ALPHAGRAMS

48

BRISBANE

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