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2 Seniors Gold Coast

In this edition

Feature: William McInnes ......................................Page 3 What’s On...............................................Pages 14-16 Travel................................................................Pages 17-24 Wellbeing ........................................................Pages 25-28 Feaure: Financial literacy .......................Pages 34-35 Puzzles ....................................................................Page 39

Contact us Editor Gail Forrer gail.forrer@seniorsnewspaper.com.au Media Sales Manager Kristie Waite kristie.waite@seniorsnewspaper.com.au Now 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 “Gold Coast Seniors Newspaper”.

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

The Seniors newspaper stable includes Toowoomba, Wide Bay, Sunshine Coast, Brisbane, Gold Coast, Northern NSW, Coffs and Clarence and Central Coast publications.

Published by News Corp Australia.

Printed by News Corp Australia, Yandina.

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.

seniorsnews.com.au Monday, June 12, 2017

Celebrating sixty and what’s ahead

WELCOME to our June edition. This month our front cover personality is William McInnes, he’s certainly one bloke who hasn’t fallen for any anti-aging propaganda – well not that he’s telling us anyway.

And why would he, he looks good to me.

I recently celebrated a milestone – I hit 60, and I started to reflect upon how different turning 60 is for me, compared to my parents.

For a start, my parents may have picked up several birthday cards from their letterbox while I received dozens of birthday greetings from my Facebook friends. I went out and listened to a band playing in a beachside café.

The time of alfresco dining and a choice of bands playing at venues was still to come to Brisbane when my parents turned 60. A good friend presented me with a wetsuit and challenged me to join a group of ocean swimmers. I feel

FROM THE EDITOR’S DESK GAIL FORRER

Group editor Seniors Newspapers network

confident in saying this sort of gift takes the active aging philosophy to a whole new level.

During the 1980s when my parents turned 60, life rolled on amidst clouds of tobacco smoke, news of Alan Bond, Robert Holmes

computer programs would shape our lives in so many ways. But, they had seen plenty changes and sensed more were on the way.

As unique individuals, we all age in our own way, but perhaps I share with you the same source of wonder and a certain nostalgia when I look back on youthful photos.

Certainly, my three sisters and I all experience similar feelings; we each marvel that we had no idea how youthful, fit,

❝

Years ago, I was travelling in Cambodia and people were wearing t-shirts that said "Same Same – on the front, and ‘Something Different’ on the back. a Court and Bob Hawke.

No one warned you that eating red meat more than three times a week could cause trouble, that electric cars were around the corner (let alone driverless cars) or that

stylish and pretty we were.

Now we share a sense of humour about the fading, the fattening, the lining and leaning (really, what else can you do), while boldly waging war with an overflowing fountain of

potions and lotions.

Years ago, I was travelling in Cambodia and people were wearing t-shirts that said "Same Same” – on the front, and “Something Different” on the back. I thought it was a rather apt summation of life.

Perhaps too, for this edition, we have kept a consistent record with another month’s reading of inspiring personality stories, and our “Something Different” is the Financial Literacy feature. We have endeavoured to share very practical advice here – I hope you agree.

This month highlights the problem of Elder Abuse, in our Talknthoughts section, I have written about a different aspect of Elder Abuse – Economic Abuse and how this often leads to homelessness.

I hope we have given you plenty to enjoy, think about and perhaps even surprise.

— Cheers Gail

Visit our N NEW website www.discreethearing.com.au

Gold Coast

Monday, June 12, 2017 seniorsnews.com.au

Seniors 3

William McInnes gives us a taste of Aussie humour

SeaChange star talks about life’s ups and downs Gail Forrer

The multi-talented William McInnes has a particularly Australian take on ageing – he’s sending it up and out to sea!

SERIOUSLY, Australian film and television actor and author William McInness makes and takes a very good joke.

After recently re-watching “Dangerous Remedy” which featured his brilliant portrayal of a very nasty, corrupt Victorian cop, you could think otherwise.

That particular show is about four years old, but I have to say that his more recent role as the selfish Matt Tivolli in The Time of Our Lives, kept up the mean theme.

Still, as a journalist I’m rather fond of like-minded people and I couldn’t resist him as the feckless, thoughtful, sort of sensitive journalist in SeaChange, the huge success of this series, which ended 17 years ago, meant I wasn’t alone.

Yes, William McInnes has been around a while. He’s 53 this year and with a self-effacing sense of humour accepts that his body has undergone certain changes.

“You can’t hide what you are,” he says with a tinge of bravado.

McInnes is a big fellow – 6ft 3” (190cm) and solid, he had the sort of build that has a propensity to grow larger with age...

“I’m not getting into a wetsuit these days, I’m as big as a zeppelin,” he laughs.

And no matter what anyone says, he’s not going the way of the facelift.

Even when he runs into a couple

of funsters at one his book-signing events.

“What happened to you?” one lady asked the author.

“You used to be so good looking.”

“Well, I’ve gone down the river of life,” he replies.

Then, the lady’s mum chimes in: “Well you’ve gone right out to sea,” she retorts.

He liked their straight- up sense of humour. Later on, he tells me, they all ended up sharing a cup of tea.

This small encounter speaks volumes for his humour and also his appreciation of the authentic self.

As one of Australia’s most successful actors, he hasn’t got any tickets on “hisself”.

And that’s the sort of Aussie vernacular he uses to explain the world.

He believes he gained sage advice from one of his lecturers at acting school.

“He said to remember that acting was important, you were not.”

McInnes has remembered that, anyway he reckons you wouldn’t last long if you weren’t the real deal.

“You can tell a pompous arse a mile away,” he says.

As a tail-end baby boomer, McInnes has chronicled growing up in Australia during the 60s and 70s.

His books paint the backyard, the classroom, the dad who ran as the local Labor candidate along with the Queensland family life that included his four siblings.

The books are popular, probably because of their honesty and down-to earth humour.

For many they mirror their own lives.

Besides, writing, acting and family life, McInnes says he takes an interest in civic life, because you get the politicians you deserve and sometimes that can end up being a load of “clowns running the show”.

However, he acknowledges that hard work and discipline are qualities behind a good politician, many of whom work long, hard hours.

Yet, he recognises the necessity for every person to have access to health and education and knows that Australia is not perfect.

In 2012, McInnes lost his film-maker wife, Sarah Watts, to breast cancer.

These days he says he and the kids, now young adults, stick to an annual holiday as the time to process their loss and make more memories, But basically, his approach on life is very simple. “Don’t take yourself too seriously.”

DOWN TO EARTH: Australian film and television actor and author William McInnes with one of his many books.

PHOTO: ALISTAIR BRIGHTMAN

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seniorsnews.com.au Monday, June 12, 2017

Baby Boomers going online to earn an income TECH-savvy Baby Boomers are rivalling their younger counterparts as the most ambitious entrepreneur demographic. Seniors are recording more than double the start-up rate of their Gen Y counterparts, with an estimated 14,000 starting up new businesses last year.

The nbn™ Silver Economy report reveals increased connectivity is helping redefine the ways seniors are spending their golden years, with two-thirds (67%) going online to

earn an income. More than half (58%) are using the internet to pursue passion projects from home and more than a third (37%) are going online to connect with their volunteering community.

La Trobe University entrepreneurship professor Dr Alex Maritz says that seniors achieve higher business success rates than their younger counterparts.

“One-in-three are serial entrepreneurs.

They are less volatile, their ventures are more profitable, they invest in their start-ups with

larger accumulated wealth and use their human capital to produce income for their own needs and benefit the overall economy,” he said.

“With a lifetime of experience behind them, seniors are more capable of starting a business than their younger peers – having more developed networks, better business experience, superior technical and managerial skills and almost double the industry experience.”

CARING CALLERS: Ian and Irene Manson are 100% committed to their new online business, CareCallingNow. PHOTO: YVONNE GARDINER

This couple care and earn at same time Yvonne Gardiner

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A DESIRE to better protect elderly men and women living alone drives Irene and Ian Manson in their new business.

Both aged in their 60s, the couple left a management rights business to set up CareCallingNow, a web-based enterprise that keeps in constant touch with those needing attention, nine months ago.

Irene said vulnerable people on the call list for the daily “welfare check” could be disabled, elderly or post-operative.

“All the info we need is their name, address and phone number,” she said.

“We do one call a day at a pre-determined time.

“It becomes part of the daily routine – basically a ‘hi’ and push a key, then the call is registered.

“Because it’s a third party, it’s not so invasive.”

If there is no response, CareCallingNow makes another two attempts to make contact before calling in someone who can go into the house and

check on the person.

“Whoever’s paying the bill will get a call or text, plus an email,” Irene said.

“Three or four days is common to be on the floor if they have nothing in place.

“Our service is primarily peace of mind.

“If you just save one person from dying alone and unnoticed, then we’ve done our job.”

The online service is international, covering America, Australia, Canada and New Zealand, and operates from the couple’s home at Varsity Lakes on the Gold Coast.

The Mansons are working with in-home care organisations to grow their business.

As that happens, they will employ more semi-retirees.

One of the motivations for starting the business was an experience with Ian’s mum, who was living alone.

“We bought her one of those medical alert necklaces, but she refused to wear it,” Irene said.

“She had a stroke and,

even if she’d been wearing it, she was paralysed and couldn’t use it.”

Irene says that running a business via the internet allows the flexibility to work when they need to and to prioritise personal commitments such as picking up the grandchildren from school.

Ian is the “tech” wizard in the business, and admits that side of it is challenging.

“I’ve always had an interest in online,” he said.

“Our service is working so far, and so we’re happy.”

CareCallingNow is offering a free seven-day trial – go to www.care callingnow.com for details.

■ Seniors in Queensland take the lead when it comes to being motivated to start new businesses to keep mentally stimulated, with about two-thirds (65%) agreeing this is a motivating factor, ahead of NSW (59%) and WA (52%).

Gold Coast

Monday, June 12, 2017 seniorsnews.com.au

Coast garden becomes cultural hub for group Yvonne Gardiner

GREEN THUMBS: Neighbours of all ages and backgrounds meet up at the Mermaid Waters Multicultural Garden.

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"We all teach each other, and we learn from one another."

About 20 regulars of all ages and backgrounds look after the garden.

They meet every Thursday morning to garden and for a cup of

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THE Palaszczuk Government has stepped up the fight against elder abuse, launching a new campaign to target the growing issue in Queensland.

Seniors Minister Coralee O’Rourke said the campaign, There’s no excuse for elder abuse, was being launched in the lead-up to World Elder Abuse Awareness Day on June 15, to create awareness.

“Sadly, older people can be vulnerable to abuse, with more than 1350 new elder abuse notifications in Qld in 2015 – up from around 1280 in the previous year.

“The increase in reported incidents of abuse shows that more people are coming forward, but we know many cases go unreported. That is why we have stepped up the fight against elder abuse and are encouraging family members, friends, neighbours and members of the community to come forward.”

Elder Abuse Helpline: 1300 651 192.

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JADE Li was a first-time mum when her own mother visited from China to help with the baby.

But a few weeks later, Jade’s mother Ms Huang said she wouldn’t be coming to visit again.

Ms Huang was lonely and felt isolated, even when she was out in the community or the park.

She didn’t know where she could meet people.

Jade realised that her mother was probably not the only one feeling this way and discovered that many migrant families and elderly people faced the same situation.

This is what inspired her to start the Mermaid Waters Multicultural Garden.

With Crocker Park located behind a multicultural shopping arcade, she thought it would be the ideal spot to start a community hub.

"Gardening is a very neutral thing. It doesn’t matter what your age, gender or cultural

Seniors 5

6 Seniors Gold Coast

seniorsnews.com.au Monday, June 12, 2017

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By Yvonne Gardiner

TUGUN author Beryl Ferrier is hoping to be at the unveiling of a bronze statue of her elder brother in October.

The township of Leongatha in Victoria has commissioned the memorial for its famous son, Lennie Gwyther, who was born in 1922. Lennie attracted national fame when in 1932 he rode his pony Ginger Mick from his home in Leongatha to witness the opening of the Sydney Harbour Bridge – a distance of 1000kms unaccompanied.

"He left when he was nine and he had his 10th birthday on the way home," Beryl said.

On the 75th anniversary of the opening of the bridge, author Mary Small saw a photo in the Bridging Sydney exhibition of Lennie, titled The Lone Rider.

Inspired by the image, Mary wrote a book, Lennie’s Ride, and asked Beryl to contribute a chapter about her family’s farming life.

"During his journey, newspaper reports of his progress made him so famous that he was invited to take part in the grand procession after the official opening," Mary wrote of Lennie’s amazing trip.

Beryl, aged 92, has expanded on Mary’s account with her own book, published last year, called Lennie Rides On and Reflections. She is not surprised by her brother’s endurance and toughness.

Lennie’s bond with his pony Ginger Mick was strong.

"The horse was foaled on the same day as my brother was born, and they grew up together," Beryl said.

Asked what he thought of his long ride, Lennie said simply, it was "no big deal".

He went on to serve in the RAAF and died in 1992.

Beryl Ferrier records the life of an extraordinary family in her book, Lennie Rides On and Reflections.

PHOTO: YVONNE GARDINER

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Monday, June 12, 2017 seniorsnews.com.au

Seniors 7

Surfers show history Yvonne Gardiner

REGULAR “pop-up” exhibitions and school talks on the Gold Coast spread the word about the enduring importance of surfing to the region’s popularity and growth.

Surf World museum chairman Mal Sutherland and Kirra Hill Heritage curator Sue Burnett have joined forces to stage a “pop-up” exhibition at Kirra Hill Community Centre this month (June).

Visitors are invited to enjoy a day on the picturesque “Hill” surrounded by surfing history and culture, food and music.

Surf World’s extensive collection of memorabilia includes surf boards and photographs.

Onsite will be a distinctive promotional kombi and other surf-inspired vehicles.

Mal views the “pop-up” displays as part of the museum’s contribution to the community.

“The Gold Coast beach culture goes way back to the early 1900s,” he said.

“If it wasn’t for surfing, the place wouldn’t have

grown. People were coming down by train in the early 1900s from Brisbane and Ipswich to come surfing.

“When they opened the train line up, the train stopped right in the main street of Coolangatta.

“At that point, there were three towns – Coolangatta, Burleigh and Southport.

“There weren’t many people on the Gold Coast then, but the town grew through the people that came here to surf.”

The Surf World Pop-up Display Board Collectors Swap Meet – Surfing through the 1950s and 1960s – will be open on June 18, from 10am–4pm, at the Kirra Hill Community and Cultural Centre, 1 Garrick St, Coolangatta.

Entry is free.

Enjoy the sounds of roving ukulele players and support the fundraising sausage sizzle. Email Sue Burnett at dsburn99@bigpond. com for further details.

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SURFS UP: Surf World volunteer Lawrie Pinniger and chairman Mal Sutherland present the history and highlights of surfing in a pop-up exhibition.

PHOTO: YVONNE GARDINER

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8 Seniors Gold Coast

seniorsnews.com.au Monday, June 12, 2017

Talk ‘n’ thoughts Hurdles, highjumps and solutions

Economic abusers HERE’S one woman’s story, which I’m sure will resonate with many other homeless woman. Janet (not her real name) was 45 years old in 2001 when she met her future partner. This is her story: He – let’s call him Jack – was charming with a ready smile. His politics leaned towards the left, always sticking up for the poor and less educated.

He was the son of a single mother who had sacrificed everything to pay for his convent school fees. In return, he had housed and practically clothed her since his first paycheck..

He had married young and after an early divorce stayed close to his now adult children.

He was into the third decade of his second relationship, but it had soured (because, he said, of the partner’s lazy ways)

FROM THE EDITOR’S DESK GAIL FORRER

Group editor Seniors Newspapers network

many years before and he basically led a single life.

The narrative held a tone of heartwarming angles and perfectly promoted his generous, caring profile.

All perfect – not for long. Janet was introduced to Jack through friends, a young couple who purchased a business from him.

Initially all was well, in fact nearly too good to be true, and they were happy to make the introduction.

But within 12 months, the relationship and business were showing major fault lines. On the

other hand, her relationship with him was, she thought, flourishing.

The couple told Janet their worries and asked her to take heed. But by that time, she was completely taken in by him and believed his versions of many stories.

Ultimately, she learned they were not the first couple whose business dealings with him had faltered.

Janet also watched as he parted with family members who didn’t see to eye with him. But she had met his mother and adult children and their families, who were decent enough to encourage her belief in his authenticity.

After four years they moved in together onto his property. He didn’t work but explained he was a ‘businessman’ who looked for his own projects to make work.

Of course, when the money ran out he noted that in many ways they were not ‘united’. She was a hard worker with her own weekly income and he struggled on alone.

She loved him, she told him she would sell her home and in the meantime allow him to put his name on the account her wages went into.

She said the money from the sale of her beachside unit could go straight to his considerable mortgage – the money would pay for about a quarter of the mortgage.

He promised to include her name on the family trust that held the property they lived on and not to worry, that if anything happened, the fact they lived together meant she was entitled to her share. Ultimately, her name wasn’t included on the trust document – he

blamed this on the unreasonable cost it would incur.

Four years later, the money from the sale of her house had gone and the bank wanted further payments. He had an affair and packed her belongings, paid for three months in a storage shed, walked into her office and put the storage receipt and keys to the shed on her desk. The same as many people he had done business with – he had gained their trust, taken money and dumped them.

She said even after that, she trusted him to give back her money and she didn’t have funds for solicitors anyway. In the early days, he kept her at bay with a few payments of $1000 and kept visiting her with promises. She was shattered.

Eight years later, he hasn’t given back the

Share your thoughts Email editor@seniors newspapers.com.au or go online to www.seniorsnews .com.au

money, she rents, he lives on his same property, and she sees him around the area with other women.

A related report published on “The Conversation” site stated that of the 15.7% of women and 7.1% of men who had experienced economic abuse, the risk peaked between the ages of 40 and 49. In this age group, 20.9% of women and 10.3% of men reported economic abuse.

It noted the ABS questionaire did ask respondents if tactics were used to “prevent or control your behaviour with the intent to cause you emotional harm or fear”. This caveat is important as economic abuse, like other forms of intimate partner violence, is a pattern of behaviour that often starts with seemingly innocuous or caring behaviours.

If you think Elder Abuse might be affecting you or someone you know visit www.qld.gov.au/noexcuse forelderabuse or call 1300 651 192 for help.

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Physical Address: Byron Aged Care, 1 Butler St, Byron Bay, NSW 2481 • Phone: 02 6685 6728 • Email: admin@byronagedcare.com.au Web: www.byronagedcare.com.au

Monday, June 12, 2017 seniorsnews.com.au

FALL

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Seniors 9

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10 Seniors Gold Coast

seniorsnews.com.au Monday, June 12, 2017

Community HOW TO SUBMIT NOTICES

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 please ensure it is at least 180dpi with faces in a nice and bright setting.

The deadline for the July issue is June 26. Email Nicky or Chris at communitynotes@ seniorsnewspaper.com.au

U3A ■ SOUTHPORT

JUST retired or want to learn something different? up until December 8 for a mere $45, you can participate in any one, (or more) of our 42 weekly classes and social functions. If you would like more information, phone 5591 6671 or visit our website: u3agoldcoast.

weebly.com.

■ TWIN TOWNS

WE HOLD laughter yoga classes on Monday at 11am, 4 Boyd St, Tugun.

Laughter puts anxiety on a back burner. When we laugh with others we get the ‘feel good factor’, it is like internal jogging.

Laughter puts anxiety on a back burner. We can’t laugh and worry at the same time. When we laugh with others, we ourselves are fun, and we provide good company laughing for no reason makes us more likeable and more confident.

Details: phone 07 5534 7333 or 0405 445 164.

RAAF ASSOCIATION – GOLD COAST BRANCH

THE RAAF Association is holding another gathering Monday, June 19 at 11am for all who would like join the re-activated branch which covers all the Gold

PURPLE POWER: Combined local VIEW Clubs recently held their annual ‘Walk with View’ around the Jack Evens Boat Harbour.

Coast. Welcome are serving members of the RAAF, ex-RAAF, WRAAF and AAFA (Air Training corps) Instructors over 18yrs, and anyone related (Grandparents, parents, etc.) Members with active service (Vietnam, Afghanistan, etc) are welcome including

persons with prior service in the Allied forces. Come and join us to offer your ideas and suggestions over some tea, coffee and sandwiches. Parking available at the club and nearby. Venue: First floor, RSL Sub Branch, Southport, 5552 4214.

Contact: Shirley Rhone on

0488 76 678.

GOLD COAST & HINTERLAND HISTORICAL MUSEUM

THERE’S a delightful place to while away a few hours on any Sunday between 10am–3pm. Bring along a

Halcyon Greens GAINSBOROUGH GREENS - PIMPAMA

picnic lunch to enjoy in the beautiful grounds and then soak up the history of the Gold Coast contained within the many Museum buildings. The Museum is situated at 8 Elliott St, Surfers Paradise, just off Bundall Rd near the Ashmore Rd roundabout and has much to offer. There is a reproduction early settlers cottage, the artist Vincent Sheldon's original studio, equipment from the Southport cable station, Aboriginal artefacts, an extensive photographic display, farm equipment and blacksmiths tools and plenty more of interest to everyone. Entry is by donation. The Museum is a popular spot for Community groups, such as Garden Clubs, Probus and VIEW Clubs etc. and can be open at any time by arrangement. For further information, phone Colleen on 5529 1962, email at histsocbun@ bigpond.com or find us on Facebook.

neighbourhood news

Monday, June 12, 2017 seniorsnews.com.au

LIONS SUPPORT NEVER ALONE

THE Lions Club of Burleigh have once again shown their commitment to supporting the local community with a $500 donation to the Never Alone Friendship Centre.

Centre Chairman, Neville Free is grateful for the support from the Lions Club. Neville said that the volunteers are conscious of the need to offer total care for the guests and to this end, have recently had 6 of them undertake first aid and CPR courses.The aim now is to purchase a defibrillator to ensure the complete safety and care of our guests. The Lions donation will take us a step closer to this goal.

The centre is located at the Burleigh Heads Masonic Hall, First Ave, Burleigh Heads and meet each Wednesday from 9am, starting with a morning tea followed by a variety of activities and fun. Everyone is welcome.

For more information phone Ailsa on 0424 440 446 or Neville on 5562 2993.

TACT

ON JULY 14 Tact is celebrating its 10th anniversary. We have come a long way in that time with a spectacular

computer room for students to gain their knowledge of the computer world. Lessons include Absolute Beginners, Android devices such as iPads mobile phones, Windows 10. a new class in putting your memories and favourites to videos or movies. course enrolment days are held on the last Friday each month from 10am–12pm for further information call 07 5524 9212 students can enrol at any time. The computer club is situated at South Tweed Sports Club, 4 Minjungbal Dr, Tweed Heads South.

END OF LIFE CHOICES

VOLUNTARY euthanasia options are discussed at meetings held quarterly on the Gold Coast. Next meeting is on Wednesday, August 16 which will be Dr Philip Nitschke’s public meeting and workshop starting at 11am. For more information phone Elaine on 5580 8215.

QCWA COOMERA BRANCH

BAKING and jam/preserve making is one of the most popular of QCWA activities, and contests are always sure of many entries. Our first cookery

Gold Coast on 5580 7034.

PALS BROADBEACH

GENEROUS DONATION: Lions Club of Burleigh President, Ross Bussell presents a cheque to the NAFC Chairman, Neville Free.

contest for the year recently attracted cooks who displayed their prowess with a range of baked and preserved goods. Judge Heather Kenrick was delighted with the standard, and members and guests enjoyed eating the delicious competition tarts at lunch. South Eastern Division Cookery Finals were held at Coomera on June 2 and the Knitting and Crochet Finals at Coomera on June 21. Check the details on our Facebook page. All welcome at 161 Maudsland Rd, Oxenford. Hall bookings: 0456 625 776.

VOLUNTEERS NEEDED

THE Simply Divine Café, located in the Paradise kids building, 88 Allied Dr,

Arundel urgently needs café assistant volunteers for four-hour shifts Monday to Friday, no experience required as training will be given. All profits from the café go back into the organisation to help assist families in need. A division of Hopewell Hospice Services Inc. Phone Julie Howe on 0422 191 146 for more information or email Liza Moore at volunteercoordinator@ hopewell.org.au or website: paradisekids. org.au.

SOLACE

WE ARE an organisation for people grieving the loss of a partner. We meet every second and fourth Wednesday at 10.30am at Broadbeach Senior Citizens Centre TE Peters Dr, Broadbeach. For more information phone Betty

NEW to the Gold Coast or a resident over 60 looking for social activities? Come along and join us for weekly barbecues, picnics, theatre, restaurants and outings at various locations around the Gold Coast. Our club is called PALS and we look forward to meeting you.

Call Vicky 0412 783 907.

COOLANGATTA SALSA DANCING

DANCING will give your body and brain a healthy boost so get involved in dancing at Salsagroove every Tuesday at 7pm at Coolangatta Uniting Church hall, cnr Lanham and McLean Sts. Instructor Peter will teach you basic steps in salsa, cha-cha, jive and foxtrot.

Call Peter today on 0413 125 640.

TWEED GOLD COAST FAMILY HISTORY & HERITAGE ASSOCIATION

INVITE members and visitors to attend their monthly get together at South Tweed Sports Club, Minjungbal Dr, South Tweed Heads on Tuesday, July 4 starting at 1.30pm.

Research Room is open between 10am–7pm

Seniors 11

Tuesday, 10am–4pm Wednesday to Friday and on Saturday 9.30am and 3pm . This month we have Dr Peter Miller speaking about his experiences with Adoption in Australia.

Enquiries: phone Trish 5524 2156.

VIEW CLUBS

(Voice, Interest, Education of Women). VIEW Clubs are a fun and friendship clubs that provides women with the opportunity to enjoy social activities, participate in leadership opportunities and experience the satisfaction of making a difference in their community. VIEW is the only national women’s organisation solely focused on supporting and advocating for the education of young disadvantaged Australians. Members raise money that goes directly to The Smith Family's learning and mentoring programs to enable these children to complete school.

■ TWIN TOWNS EVENING

OUR meetings are on the second Wednesday of each month 6.30pm.

Held at the Blue Room of the Tweed Heads Bowls CONTINUED ON PAGE 13

*Excludes already discounted items. Terms and conditions apply. See in store for details.

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12 Seniors Gold Coast

seniorsnews.com.au Monday, June 12, 2017

YOUR STYLISH ABODE AWAITS

Welcome to the place you’ll be proud to call home.

Imagine this: You retire to a beautiful dwelling surrounded by spectacular gardens. Your living space is the definition of style, with designer fittings, outdoor entertaining and a double garage.

The neighbours are warm and welcoming, resortstyle indulgences include a gym, spa, heated pool and bowling green, and the shops and transport are a short stroll away. Now, stop imagining – The View at The Gardens on Lindfield delivers all this and more.

With a limited number of brand new designer homes available, you’ll have to be quick.

Selling from $425,000* Call 1800 577 855 and tour today!

THE VIEW

The View w at The Gardenss on Lind dfield 101 Lindfield Road, Helensvale Qld 4212

The Gardens on Lindfield

gardensonlindfield.com.au *Pricing and availability advertised are correct at the time of printing but subject to change without notice. Information about the services and facilities provided in the village is correct at the time of printing but may change as the needs of residents change.

Photographs are for illustrative purposes. Some images may depict items not provided by Lendlease within the units such as furniture and other decorative items. April 2017. Published by Lendlease RL Realty (QLD) Pty Ltd ABN 25 138 535 814.

Monday, June 12, 2017 seniorsnews.com.au FROM PAGE 11

Club. A great meal and Guest makes for an interesting and friendly night. Ladies from visiting VIEW clubs and new members are most welcome. To book or any apologies, phone Trudy on 5524 1770 by 1pm on the Monday prior.

■ ROBINA

THE friendly ladies of the Robina VIEW Club meet on the first Wednesday of each month at 9.30am for 10am start at the Robina Bowls Club, Ron Penhaligon Way, Robina.

We have interesting guest speakers with morning tea, social days and outings. New members and guests are welcome.

For more information please contact Jennifer on 0408 005 458.

■ SURFERS PARADISE

THE Surfer’s Paradise VIEW Club holds their meetings and lunch on the second Tuesday of each month at the Southport Golf Club. Meeting at 11.30am for lunch at 12pm. Always with an interesting guest speaker.

New members and visitors are most welcome. For an opportunity to meet new friends and join in our social activities and really

neighbourhood news

enjoyable outings, phone Felicity on 5679 0226.

■ CURRUMBIN ELANORA

MEMBERS of Currumbin Elanora VIEW Club recently took part in a fashion parade ‘Models for a cause’ at their monthly meeting. If you would like to be part of this fun club or find out more information, phone Pam on 5576 7989.

PROBUS CLUBS

SEAFOOD WITH A VIEW: Robina VIEW Club members enjoya boat trip and meal on the Broadwater recently.

■ GOLD COAST MERMAID WATERS (COMBINED)

TAFE Gold Coast Southport, Hospitality Hub students certainly makes great things happen. Their students perfectly hosted a delightful three-course luncheon in their Southport restaurant recently for Sorrento Probus members.

Bodes well for the Gold Coast 2018 Commonwealth Games and tourism.

A PROBUS club is a group of active retired or semi retired couples or singles with a lively attitude, wanting to enlarge their social life. No religious, political, charity, or any other affiliations involved.

It is a social club for the enjoyment of its members.

WE MEET at the Turf Club, Bundall, every second Tuesday of the month at 10am. Parking is never a problem, and we have low annual fees for singles or couples. Enjoy our organised holiday trips, excursions, film nights, talks and collegiality.

Details: phone Martin on 5572 1074 or Ron on 5594 5205.

■ SORRENTO

■ HELENSVALE

CONGRATULATIONS to the new incoming president Judy Mensworth and her new committee of Bev Hanford as treasurer, with Lynne Williams continuing as secretary. The current month has been one of exciting activities, with a tour to Sydney, and a cruise on the Brisbane

Koala Blue Tours and

River, both of which were represented by members from both Probus and Helensvale Seniors.

From the very positive feedback, both excursions were highly successful, and enjoyed by all who participated. Thank you, Marie. All individual interests are well attended and enjoyed.

Hebe De Souza was the guest speaker on the day and it was very interesting relating to her story and life, taking us back into another era.

Thank you to our incoming catering team, much appreciated. For information regarding the next meeting, phone Lynne Williams on 0402 538 234.

■ KIRRA-TUGUN

AT PRESENT we have a

Gold Coast group travelling to Singapore for a five-day holiday, day coach tours to The House with no Steps and to Brisbane to see Kinky Boots, a cruise through the canals, a bistro lunch get together, a picnic in the park, a night at Tugun live theatre, a group playing golf and another for walkers, and our cards and mah jong and book groups are great, as you are under no obligation or commitment to always attend. So if you have an active alert mind, and are wanting a bit of fun in your life, and to meet new friends, Google us, check out our website, give us a call or just come along to our meeting at the Currumbin RSL on the fourth Thursday of every month at 10am. We have an interesting guest speaker every meeting.

Grab this opportunity to enjoy your retirement.

Visit us online at: probuskirratugun.org.au or phone Ken on 0403 524 964 or Rod on 0438 341 909.

■ BURLEIGH WATERS

GENERAL meetings are held on the third Monday of each month. In May our monthly outing was to have a round of Putt Putt golf and lunch at Emerald Lakes Golf Club. At our

Seniors 13

last meeting Catherine Suter from Tripaway Cruise Travel gave us many travel hints. Retired or semi-retired men are invited to join us at club meetings, 10am on the third Monday of each month at Burleigh Waters Community Centre, 131 Christine Avenue, Burleigh Waters.

Nominally a men's club but wives are very welcome to share the club’s fellowship, friendship and fun at all club meetings and outings. Contact: Brian on 5520 6332 or John on 5520 6661.

■ HASTINGS POINT TWEED COAST

OUR July meeting will be on Tuesday, July 18 at 10am at the Tri Care Retirement Community, 87/89 Tweed Coast Rd, Hastings Point. At this meeting our speaker will be international award winning children’s author Michelle Worthington, who released her first children’s picture book in November 2011. Michelle grew up in Brisbane and has always enjoyed writing stories and sharing them with others at bookstores and libraries as well as conducting publishing workshops for adults. Join CONTINUED ON PAGE 36

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14 Seniors Gold Coast

seniorsnews.com.au Monday, June 12, 2017

What’s on JUNE 17

JOURNALIST YVONNE GARDINER

yvonne.gardiner@apn.com.au

WOMEN Like Us comedians Mandy Nolan and Ellen Briggs are different from your usual comedians. For a start, they’re women. They’re mothers. They’re middle-aged and they are country girls.

Women Like Us is two hours of stand-up comedy – an hour a piece.

These are untold laugh-out-loud women’s stories, smack bang centre stage.

Women Like Us is a riot. Show starts at 8pm. Tickets $35.

Phone the club on 5532 1155 or www.southport sharks.com.au.

JUNE 18

TLC for Kids Gold Coast will hold a Walk-With-A-Smile

5km Walking Challenge.

Can you walk 5km with a smile on your face! This in turn will bring many smiles to sick local kids in our local hospitals.

Certificates and sausage sizzle for all participants.

Everyone welcome. Held at Runaway Bay Sports Centre, 1 Sports Ave, Runaway Bay, 8–10.30am.

Cost $12 adults, children $6 (children under five free), group and family bookings available.

Details email tlcgold coast@tlcforkids. org.au.

JUNE 18

SURF World Pop-up Display – Surfing through the 1950s and 1960s, 10am–4pm. Enjoy a day on the Hill with surfing history and culture, food and music. Check out part of Surf World’s extensive collection of memorabilia including surf boards and photographs. See our promotional kombi and other surf-inspired

vehicles. Grab a coffee and sausage sizzle. Enjoy the sounds of roving ukulele players. Kirra Hill Community & Cultural Centre, 1 Garrick St, Coolangatta. Details email: dsburn99@ bigpond.com.

JUNE 20

CORRIGAN Walk Art Tour (Bleach* Festival) Bond University and Bleach Festival will be offering Gold Coast art buffs a rare insight into Australia’s largest private collection of indigenous art when it runs its Corrigan Walk Art Tour. The Corrigan Walk was launched in August 2013 through the donations and efforts of one of Australia’s most prodigious art collectors and patrons, Dr Patrick Corrigan. The collection is named in honour of his work. Cost free. Bond University, 14 University Dr, Robina, 10–11am.

Details email

lharvey@bond.edu.au or phone 5595 1430.

JUNE 23-JULY 1

THE Arts Centre Gold Coast presents The Adventures of Peter Pan and TinkerBell in Return to Pantoland. Bonnie Lythgoe Productions, Australia’s biggest family musical panto producer, stages this magical story with glittering sets, spectacular effects, gorgeous fairytale costumes, fantastic song and dance numbers, infectious and riotous comedy magic and bags of audience participation.

This is a world premiere and the only Queensland performance for 2017.

Details at The Arts Theatre, 135 Bundall Rd, Surfers Paradise, on 5588 4000 or at www. theartscentregc.com.au.

JUNE 24

DAVE ‘Hughesy’ Hughes

LIVE COMEDY: Dave Hughes will perform at a A Bond University Rugby Pathway to Premier fundraiser on June 24.

hits the Gold Coast for one hilarious night only in Dave Hughes Live. Often referred to as “a typical Aussie bloke”, the comedian is an unusual success story. From working-class roots, the university drop-out and former abattoir worker has risen to become one of Australia’s most popular and successful stand-up comedians. In 2014, Hughesy returned to his first love – stand-up comedy – and this is the hottest comedy act touring nationally and internationally. A Bond University Rugby Pathway to Premier fundraiser.

7–10pm, The Basil Sellers Theatre, Bond University, 14 University Dr, Robina.

Details ticketebo.

JUNE 24 & 25

THE 2017 Mudgeeraba Show promises to be bigger and better than ever. Each year the show provides an enormous PHOTO: DEAN LEWINS

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Monday, June 12, 2017 seniorsnews.com.au

amount of entertainment, engaging activities for people of all ages, fine cuisines, endless ring events, poultry, cattle and animal attractions, arts and crafts,showbags and more. Held at the Mudgeeraba Showgrounds, Worongary, Saturday, 8am–9pm, Sunday 8am–4pm. Adults $15, family $40, pensioners /students $10, children under five free. Details email info@mudgeeraba show.org.au or phone 5530 2754.

JUNE 28 TO JULY 9

COME and see “the most prestigious art exhibition on the Gold Coast”. This is where the “gold meets the green” every year to honour and celebrate a true Australian iconic landscape artist, d’Arcy Doyle. Treat yourself to an unforgettable visual experience – you might just go home with that treasured piece you’ve been looking for to add to your collection at home. At the Mudgeeraba Memorial Hall, 62 Railway St, Mudgeeraba, from 10am–3pm.

Details email info@ darcydoyleartawards.com. au.

JULY 1 & 2

THE Gold Coast Airport

Marathon is held annually in one of the most popular holiday destinations in the world. It is Australia’s premier road race. The event attracts more than 27,000 participants of all ages and abilities across a number of races including the Gold Coast Airport Marathon, Wheelchair Marathon, ASICS Half Marathon, Wheelchair 15km, Southern Cross University 10km Run, Suncorp Bank 5.7km Challenge and Zespri Junior Dash 4km and 2km races. www. goldcoastmarathon.com. au.

CURRENT TO JULY 9

GOLD Coast-based artist Chris Bennie’s exhibition On Top, In Front at Gold Coast City Gallery explores the concept of how items and ideas are transformed through the process of literally placing objects on top or in front of others, obscuring the status of the original item and altering its meaning.

Often described as playful, romantic, intelligent and banal all at once, Bennie’s work has the ability to take unremarkable daily rituals and common objects and transform them into something unforeseen and new. Free entry. www. theartscentregc.com.au.

what’s on

Gold Coast

Seniors 15

WHAT’S HAPPENING AT GOLD COAST CITY LIBRARIES

★Writers’ Block: World-building with Trent Jamieson WORLD-building is extremely important in fiction, but there are many ways and means of achieving it. Join Trent Jamieson in this exciting workshop, as he unpacks his approach to world-building, as well as looking at some other works and how they create their worlds. Trent Jamieson is a multi-award winning short story writer and fiction novelist. He is the author of the Death Works series, The Nightbound Land Duology and Day Boy and has taught creative writing at Queensland University of Technology.

At Robina on Saturday, June 17 from 10–11.30am. For more information: www. goldcoast.qld.gov.au/ library/ ★Monica McInerney: The Trip of a Lifetime BESTSELLING Australian author Monica McInerney is returning to Australia from Dublin to launch her highly anticipated new novel,

ART ON SHOW: Explore watercolour with watercolourist, Lynne Mulder at the Palm Beach library.

Author, Trent Jamieson.

PHOTO: GRIFFITH THOMAS

other creatives and support one another to fine tune your watercolour skills. Learn the basics of painting in this beautiful medium and the different materials that can be used. Bookings essential. The watercolour room on Thursday, July 6 from 9–11am. www.goldcoast. qld.gov.au/library ★Robina Library: Temporary closure July 8–16 THE Robina Library will be closed from July 8–16 as we improve your library experience with the installation of new air-conditioning. We apologise for the disruption to our regular library services.

Extended loan limits will be available prior to the

closure. Item returns and collection of holds can be made, either after we reopen, or via any other City library.

Our nearest libraries include; Nerang, Burleigh Waters, Burleigh Heads and Broadbeach or try our online library. ★Calling artists: Artist showcase opportunity EXPRESSIONS of interest are sought from local artists in any medium, who would like the opportunity to showcase artwork, present an artist talk or become an Artist in Residence for a one-month period at one of city libraries' 13 locations. For enquiries email lcs@goldcoast. qld.gov.au or phone 5581 7258.

The Trip of a Lifetime.

Set in the Clare Valley of South Australia and the Irish countryside, it’s a big, bold and beautiful novel of family, love and secrets, that explores the true meaning of home. With her trademark warmth and humour, Monica explores themes of migration, ageing, travel, home, secrets, rifts, rivalries and reunions. Books will be available to buy at the event, or borrow a copy from the library. At Helensvale on Friday, July 7 from 7–8.30pm. www.goldcoast.qld.gov. au/library ★11th Avenue Creative: Explore the expressive medium of watercolour HOSTED by watercolourist Lynne Mulder, connect with

16 Seniors Gold Coast

what’s on

seniorsnews.com.au Monday, June 12, 2017

Australian art & atomic tests

JUNE

30

ART AND EDUCATION: Tjarutja Tragedy, Blak Douglas. Black Mist Burnt Country is on display at the Gold Coast City Gallery, Main Gallery until Sunday, July 9.

BLACK Mist Burnt Country is a national touring exhibition of artworks by more than 30 indigenous and non-indigenous artists commemorating the British atomic tests in Australia in the 1950s.

Selected from public and private collections, the exhibition features artworks from the past seven decades. Included are Albert Tucker, Arthur Boyd, Ian Howard, Pam Debenham, Toni Robertson, Rosemary Laing among Aboriginal artists such as Jonathan Kumintjarra Brown, Judy Watson, Hilda Moodoo, Yvonne Edwards and others. The exhibition presents works across the

mediums of painting, printmaking, sculpture, photography, new media and music, while exploring the varied perspectives and creative approaches of artists from post-WWII modernists to present-day artists. Black Mist Burnt Country exhibition revisits the history of the British atomic test program at Maralinga, Emu Field and Montebello Islands and examines the impact on people and land, as well as its on-going legacies.

A variety of interactive elements enable visitors to the exhibition to learn about the social, political and environmental dimensions, while placing the Australian atomic

tests in the context of the nuclear arms race and its present-day realities.

“It is surprising how few people are aware that atomic bombs were exploded in Australia, and how little they know about the dislocation of Aboriginal people, the exposure of Australian servicemen and the contamination of the land.

This exhibition offers some remarkable insights into a chapter of our history that has long lasting consequences, while it poses some important questions in relation to contemporary nuclear issues,” exhibition curator says JD Mittmann. theartscentregc.com.au.

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Monday, June 12, 2017 seniorsnews.com.au

Seniors 17

Travel

Skiing into winter THE SNOW has started to fall and that means winter holidays. Ann Rickard gives her top picks in Australia and then hops over the ditch for a couple more. ★ Mt. Hotham, Victoria In the Victorian Alps, this is one of the country’s most popular ski towns and has mid-week deals in the season making it senior friendly. Way to go.

★ Thredbo, NSW The name has been synonymous with Australian skiing for as long as an old Aussie snow-skier can remember. Fourteen chairlifts will get you to the top quickly and comfortably. ★ Mt. Buller, Victoria A three hour drive from Melbourne and a popular resort village.

Great downhill runs and good for cross-country

skiers. ★ Perisher, NSW In the Kosciuszko National Park, this is a big one. Seven mountains, slopes for all levels from beginners to professionals. An extensive range of properties in the Perisher Valley let you choose from budget to super-fancy. ★ Queenstown, New Zealand The spectacular

beauty of Queenstown is more than worth the three hour flight. With modern chairlifts, big runs, four ski resorts, heart-stopping views. ★ Falls Creek, Victoria Good cross country skiing and home to Australia’s National Cross Country Ski Team but there’s more than just skiing here: street parties, fireworks and plenty of entertainment.

★ Charlotte Pass, NSW The highest resort in the Snowy Mountains and with the highest annual snowfall of any ski resort, this is a reliable one. No big crowds adds to its appeal. ★ Mt. Hutt, New Zealand An hour and a half drive from Christchurch gets you there. Good children’s facilities if you

want to take the grandkids. ★ Mt Ruapehu, North Island New Zealand In the North Island, this is a pretty alpine destination in a World Heritage National Park.

More than 54 runs to explore. ★ Mt. Mawson, Tasmania Low cost, no crowds, the Mount Field National Park, an hour and a half drive from Hobart.

MILFORD SOUND, MACQUARIE ISLAND AND THE SUBANTARCTIC AN EPIC SOUTHERN WILDERNESS EXPEDITION

From $13,680 pp* twin share for a Prestige 5 Stateroom (with balcony) VOYAGE DEPARTS DUNEDIN 5 JANUARY 2018

Discover the wild isolation of Macquarie Island and the Subantarctic Islands on a 16 night luxury voyage with Ponant Expeditions. Teeming with wildlife, including fur seals, elephant seals, king and yelloweyed penguins, Gibson’s albatross and more, these remote islands will hold you spell-bound not just for their unique flora and fauna, but also for their primitive beauty.

Exclusive Solo Traveller Special: Share a cabin with another solo guest of the same gender and pay the twin share price. Or, for just 25% surcharge, enjoy sole use of the cabin.

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*Conditions apply. Subject to availability. Price quoted based on Twin share - in a Prestige 5 Stateroom aboard L’Austral. Luxury car transfers limited to 35 kilometres from SYD/MEL/BNE International Airport. Trading Mon to Fri 9:30am to 5:30pm.

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DISCOVER MORE AT ULTIMATECRUISING.COM.AU OR CALL 1300 485 846 FOR MORE INFORMATION OR TO MAKE A BOOKING!

18 Seniors Gold Coast

travel

seniorsnews.com.au Monday, June 12, 2017

Dreaming dolphins on an island

By SHIRLEY SINCLAIR

MOTHER and son arrived at the island resort in July 1993, booking a spot for three consecutive nights.

She stayed her distance quietly at the back of all the fuss, allowing her young offspring to investigate hesitantly.

The pair stayed away for the next three nights but on the fourth night the youngster returned on his own. He had been orphaned – he was alone at eight months of age.

In poor condition and no doubt in survival mode, he charged headlong into the pod of inshore bottlenose dolphins in the shallows off Moreton Island and began feeding greedily on the free baitfish on offer.

Blind Freddie could see Echo needed guidance.

So the group’s older,

DOLPHIN ATTRACTION ■ Humans and dolphins have been interacting on Moreton Island for much longer than the 20th century.

■ The Ngugi people – the traditional indigenous inhabitants of Moreton Island – would use their clubs to make a loud noise in the water to attract the baitfish and dolphins.

■ The dolphins would push the baitfish towards the shallows, as if herding them towards the men.

■ The Aborigines would then thank the dolphins by feeding them some of the fish. calmer ‘grandfather’, thought to be partially blind, took the youngster under his flipper.

He cared for the little nipper and they arrived at the jetty and left together each night.

Wise Fred taught Echo how to hunt and catch his own food, which he was seen to do for the first time at age two.

Staff slowly reduced Echo’s fish intake back to normal levels and he

eventually became one of the fastest and best fish catchers of the group.

Tangalooma Island Resort owner Brian Osborne outlines the story of young Echo in brochures for guests.

Brian, who began watching the Tangalooma dolphins as a regular holidaymaker in the late 1970s with wife Betty and their family, tells how staff broke dolphin care protocols to feed Echo

EXTENDED TOURS

CAPRICORN COAST GETAWAY ................................................................................. 24-29 Jun 17 SUNSHINE COAST ESCAPE .......................................................................................15-17 Aug 17 CARNIVAL OF FLOWERS............................................................................................ 21-23 Sep 17 FLORIADE & OUTBACK NSW............................................................................30 Sep - 14 Oct 17 MELB CUP @ PT MACQUARIE.......................................................................................6-9 Nov 17 XMAS IN THREDBO & NEW YEAR TOOWOOMBA..............................................22 Dec - 1 Jan 18 XMAS IN BUNDABERG .............................................................................................23 - 27 Dec 17 TOUCH OF COUNTRY .....................................................................................................5-7 Mar 18 FREE OFFER for Community groups. Our experienced tour planner is happy to work with your tour organiser or committee. Take advantage of our years of experience to make your group travel hassle free and more enjoyable.

Ph: 07 55 716 719 | Mob: 0448 084 505 | Fax: 07 56 096 019 PO Box 620, Biggera Waters, Qld • Email: info@sunrisetoursgc.com.au

Lic No TAG 1446

6576733ab

We offer 33, 53 or 63 coaches to cater for all size groups

Sunrise Tours

SEABOURN has announced new UNESCO Partner Tours at World Heritage Sites across Europe for the cruise season ahead as part of its exclusive partnership with the United Nations Educational, Scientific and Cultural Organisation.

The tours will offer guests privileged access, guide-led exploration and remarkable experiences Available on select scheduled Seabourn cruises starting this summer, each UNESCO Partner Tour focuses on

2017 ADVENTURES Exciting escorted Australian and international group tours

6 DAYS

From

5 DAYS

5 DAYS

after sunset daily to the island jetty, showing off their dolphin antics and allowing visitors to hand-feed them.

Beauty’s calves Bobo, Tinkerbell and Shadow, Tinkerbell’s children Tangles, Storm and Phoenix and Shadow’s children Silhouette and Zephyr have joined the

individual UNESCO World Heritage Sites selected – and protected – for their cultural, historical, scientific or other significance to humankind.

Seabourn’s ships circle the globe throughout the year and include more than 170 ports with access to UNESCO World Heritage Sites.

Through its multi-year partnership with UNESCO, Seabourn offers deeper insight and behind-thescenes information about current and future World

Heritage Sites and projects.

The line has created special World Heritage Discovery Tours with exclusive content developed in co-operation with UNESCO World Heritage Site managers and tour experts.

Fares for Seabourn optional excursions that include World Heritage Sites include a small donation to UNESCO’s World Heritage Fund.

See a licensed travel agent, Phone 13 24 02 or visit www.seabourn.com

(07) 4687 5555

From

$11,990 pp Dbl / Tw Share

www.stonestreets.com.au

5 DAYS

9 DAYS From

$1,595

$3,650

pp Dbl / Tw Share

2

pp Dbl / Tw Share

From

$1,199 pp Dbl / Tw Share

From

$1,200 pp Dbl / Tw Share

MAGICAL MID-NORTH COAST COLOURS OF SPRING BATHURST SUPERCARS

Heritage town tours, waterfall and rainforest visits, tas ng tomatoes, oysters, strawberries and wine, river and Chinese Junk cruises, these are just some of the experiences on this adventure packed 6 day coastal escape tour.

4 September 2017

Beauty came close enough to take the first fish from Betty’s hand in 1992. That affinity between the two set in motion today’s wild dolphin feeding program and care practices that are recognised as among the best in the world.

Various members of the Moreton Bay pod return

Visit heritage sites across Europe

THEATRE TOURS

THE BODY GUARD .............................................................................................................2 Aug 17 WIZARD OF OZ ......................................................................................................................Nov 17 MAMA MIA......................................................................................................................... 24 Jan 18

Gold Coast Pty Ltd • ABN: 34 162 097 118

until he was satisfied, in order to ensure his survival.

Since the Osbornes bought the resort in December 1980, a procession of dolphin regulars have won their hearts – right from the first friendly aquatic mammal they called Beauty.

Toowoomba bursts into Spring with magnificent and colourful floral displays.

Explore the prize winning gardens and fall in love with the Garden City and surrounding region on this 5 day short escape to the Garden City & Darling Downs.

16 September 2017

Join our fun loving group of motorsport fans for our annual pilgrimage to “The Mountain” for the famous Bathurst 1000 Supercars Race! Enjoy 3 ac on packed days with breakfast and dinner daily and accommoda on included.

5 October 2017

From

$1,695

1

2

23 DAYS

pp Dbl / Tw Share

SYDNEY SIGHTS AND PACIFIC NIGHTS

TASMANIA'S TEMPTATIONS

The perfect holiday for a first me cruise passenger, or a cruise lover in need of a short break. Enjoy a 3 night cruise from Brisbane to Sydneyfollowedby2fulldays touring the sights. This tour is extremely popular and has sold out twice already!

5 October 2017

Tasmania is so rich with natural wonders that it's almost unfair to the other States. Explore impressive scenic mountains, pris ne rivers, and tranquil gorges and experience the history, culture and charm of Australia's Island State.

13 October 2017

EASTERN EUROPE - THE REAL TRANSYLVANIA

Some of Europe's best kept secrets and most culturally enriching des na ons can be found within Eastern Europe. With ci es o en largely untouched by war, examples of architecture from the 13th century are plen ful, and unique local cultures offer diverse experiences and deligh ul culinary and ar san wonders. Explore this magical story book region in the company of an Australian tour escort and English speaking guides.

POLAND | CZECH REPUBLIC | SLOVAKIA HUNGARY | ROMANIA | BULGARIA

8 October 2017

travel

Monday, June 12, 2017 seniorsnews.com.au

Gold Coast

Enjoy the evening stars and a glass-bottom boat tour.

WILD IN THE WATER: Try dolphin feeding at dusk.

unique interaction in the past 25 years.

And after dusk on a cool autumn Saturday, we are among the throng of hundreds of other wildlife lovers lining terraced seating on the well-lit jetty, ready to meet the current generation.

The dorsal fins are

clearly visible, dashing around the shallows.

Eleven dolphins have decided to join us tonight.

The moment has arrived.

Orderly lines form behind each bucket spread out across the sandy beach. Only 10–15% of the dolphins’ daily intake is offered in

the feeding sessions, using a type of high-fat herring.

The amount of fish is strictly weighed and distributed in buckets according to the number of people registered for the feeding so as not to surpass daily intake limits for the dolphins.

We are at the front of the first line closest to the jetty as cormorants and pelicans keep watchful eyes on the buckets for any spilled morsel.

And we learn we will have the privilege of meeting 25-year-old Echo, now a gentle soul and favourite among visitors, including tennis champion Rodger Federer, whose photo with him hangs on the wall of the nearby Marine Education and Conservation Centre.

Echo’s dorsal fin makes

Follow the leader in quad bikes.

TANGALOOMA ISLAND RESORT Tangalooma is on Moreton Island, a 75-minute ferry ride from Brisbane. Alternatively, take advantage of the new Premium Dolphin Feeding Day Cruise. Start your day with a cruise across the Moreton Bay marine park, explore the island on your choice of either a desert safari or marine discovery tour, enjoy your choice of eco ranger experiences and then finish off by hand feeding wild dolphins.

Visit: www.tangalooma.com. him easily distinguishable among the pod because of the “battle scars” from a documented encounter with a shark in 1996.

The two women from the United Kingdom behind us can barely contain their excitement.

They tell us they have waited 12 months since booking to be standing here, across the other side of the world, taking in this once-in-a-lifetime opportunity.

Staff members move down to the buckets, take out a fish and show us how it’s done.

Having ensured we are wearing no sunscreen, insect repellent or moisturiser, we move to white buckets to wash our hands and lower arms in anti-bacterial wash. Each visitor is then brought down the beach to feed a fish to their particular dolphin – with resort photographers on standby

Seniors 19

PHOTO: SHIRLEY SINCLAIR

to capture the moment.

As we wade into the knee-deep water as clear as a swimming pool, the backlighting from the jetty makes Echo’s skin shine.

Our guide, Paul, shows us how to hold the fish: by the tail so the spiky scales won’t get caught in the dolphin’s throat. We are shown how to bend down with the fish in the water in front of the dolphin.

Echo slowly moves closer and ever-so-gently opens up, showing tiny teeth in his long U-shaped mouth, gladly accepting my offering. And in that moment, my “Little Sir Echo” speaks volumes for inter-species communication.

No other thank you is necessary.

The writer was a guest of Tangalooma Island Resort.

®

Enjoy your holiday knowing you have an expert with you every step of the way.

AIRFARES INCLUDED * PREMIUM AIRLINES

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VISAS, TIPPING & TRANSFERS INCLUDED*

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BEST OF MYANMAR (BURMA) 17 DAYS

AFRICAN ADVENTURE

Departs Brisbane: 4 Nov 2017

Highlights Enjoy a small group private tour to this ancient magical land. Explore temples and pagodas in Yangon and Bagan and enjoy the unspoilt scenery of this wonderful country. Relax on a 2 night upstream cruise on the Irrawaddy River from Bagan to Mandalay and explore the tranquil Inle Lake region.

Plus breakfast daily, 3 lunches and 5 dinners.

$6795* * solo traveller from $8295 from

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EAST AFRICAN SAFARI 21 DAYS

Departs Brisbane: 1 Sep 2017

Departs Brisbane: 28 Sep 2017

Highlights From stunning Cape Town, we head north to Fish River Canyon and the amazing sand dunes of Sossusvlei in Namibia. Enjoy game viewing in Etosha and Chobe National Parks and explore the Okavango Delta in traditional mokoro. Finish in Victoria Falls with the ‘Flight of the Angels’ helicopter ride. Plus breakfast daily, 2 lunches and 18 dinners.

Highlights Visit the Maasai Mara, cruise the calm waters of Lake Naivasha, view the spectacular Mount Kilimanjaro, spend a day on safari in the Ngorongoro Crater, explore the historic Stone Town and spice plantations of Zanzibar and relax on the beaches of Zanzibar’s south coast. Plus breakfast daily, 12 lunches and 14 dinners.

$12,450* * solo traveller from $14,050

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from

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escortedescapes.com.au *Travel restrictions & conditions apply. For further details refer to escortedescapes.com.au. Prices are correct as at 1 Jan 17 & are subject to change. Quoted prices on sale until 8 weeks prior to each departure date or until sold out prior. Prices are per person, twin share and subject to availability. Prices shown are for payments made by cash in store and are fully inclusive of taxes, levies, government charges and other applicable fees. Payments made by credit card incur a surcharge. All cruises are based on lead-in inside cabin twin share. ^Interest Free: Approved applicants only on a Lombard 180 Visa card. Terms, conditions, fees and charges apply including a $99 Annual Fee charged on the account open date and annually on the anniversary of the account open date. Minimum finance amount applies and is valid on holidays over $999. Interest, currently 22.99% p.a., is payable on any balance outstanding after the 12 month Interest Free period. Ask in store for details. Offer ends 31 Dec 17. Credit provided by Lombard Finance Pty Limited ABN 31 099 651 877, Australian Credit Licence number 247415. Lombard® is brought to you by FlexiGroup®. ~60+ DISCOUNT: Offer valid until 31 Dec 17. New bookings only, limited to one $100 discount per senior. Minimum booking value of $2500 per person consisting of air and land/cruise arrangements, or a land/cruise only booking over the value of $2500 per person. Valid State/ Territory accredited seniors card must be presented to consultant at time of quotation. Please ask us for further details or visit our website at http://www.escapetravel.com.au/terms-conditions. FROM BRISBANE. Flight Centre Travel Group Limited (ABN 25 003 377 188) trading as Escape Travel. ATAS Accreditation No. A10412. ATAS Accreditation No. A10412.

ETEEM76716

20 Seniors Gold Coast

seniorsnews.com.au Monday, June 12, 2017

APT & TRAVELMARVEL INFORMATION NIGHT Get EXCLUSIVE DEALS & learn firsthand from experts about new touring & cruising programs for Europe, Canada & Alaska at Tripaway Cruise & Travel Elanora on Tuesday 13 June 2017 at 5.15pm—Shop 32, The Pines Shopping Centre.

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Conditions apply. apply Prices correct as at 24 May but may fluctuate if surcharges, surcharges taxes or o currency change. h Offers Off are valid lid until til 23 June J 17, 17 are limited li it d on sett departures d t & subject to availability. #Economy flights are with Singapore Airlines or similar & include taxes of up to $300pp & must be booked by Travelmarvel. APT; one person will receive free economy airfare with Air Canada (or airline of APT’s choosing) based on 2 passengers travelling in economy class including air taxes up to $220, and must be booked by APT. Deposit & final payment details are available from Tripaway Cruise & Travel. All savings are included in the advertised prices. Offers may be withdrawn without notice.

Gold Coast

Monday, June 12, 2017 seniorsnews.com.au

Seniors 21

CRUISES, CRUISES, CRUISES PRINCESS BALCONY BONANZA

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You could head to New Zealand on a 14 night cruise on Sea Princess on January 4th next year in an ocean view cabin for $2,599 per person, or enjoy a balcony for just an extra $100 each twin share.

Or see the sights of PNG & the South Pacific on a 15 night cruise on Golden Princess leaving Sydney 6 September 2017 and get a Balcon Balcony nyy ccabin abin for tthe same price as ocean view w w-$3,399pp!

-fo for or Royal Caribbean voyages starting or

ending in Australia & departing from 1st July’17 July 17 onwards, and 3rd & 4th guests in the same stateroom can sav save e 25% 2 % off 25 the cruise fare portion! But wa ait— a it—there’s there s more….this offer can even be combined with SENIORS SENIORS’ RATES and for select sailings from Nov Nov‘17 17 to Mar Mar‘18 18 get an Exclusive ve ONBOARD CREDIT of US$100 0 by booking with us by 18 June’17

One of the greate greatest things about a cruise holiday is there there'ss something for everyevery one, regardless of age or taste. Spa day at sea while the kids play at the arcade?

Play a friendly game of basketball on the deck while your teens conquer an onboard scavenger hunt? Family night and then a nightcap? That That's s th the he e beauty of having it all in one place e - everyone can truly holiday their way. Experience an unforgettable Norwegian Cruise Line family holiday & take ad advantage va an nta age of these Norwegian Jewel Offers Offerrs— —for for a limited time with oceanview cabins and above.

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On selected Celebrity sailings in luxurious Princess ship ever to O Oceanview, Balcony, Concierge or Aqua be based in Australia, arriving O class, receive the choice of 2 of the c September Septe be 2018, 0 8, from o e experts. pe ts ffollowing offers; Free Beverage Package, Tripaway Cruise & Travel Tweed City City y is hosting a FREE INFO EVENING in n-store store at Shop 205, Tweed City Shopping Centre (opposite Telstra) on Tuesday 25th July 2017 at 6pm, with bonus offers, Cruise Sale deals and the opportunity to ask Peter from Princess all your cruise questions. RSVP 21 July

US$150 per person Onboard Credit, Complimentary Unlimited internet or C another US$150 per person Onboard a credit. c cre dit. You can also save up to $200 per perrson son on s n Celebrity C sailings of 4 nights or llo ongerr. 3rd and 4th Passengers in same onger. stateroom will receive a free soft drinks state package and 40 minute internet package.

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22 Seniors Gold Coast

travel

seniorsnews.com.au Monday, June 12, 2017

Happy camping at Kakadu KAKADU is predicting a rise in happy campers following the announcement that Flash Camp will return for a second season at the Cooinda Camping Ground from June 23 to September 21.

Set in beautifully shady grounds, Flash Camp @ Kakadu offers bespoke bell tent accommodation in the heart of Kakadu National

Park – ideal for those seeking an effortless camping experience while exploring the UNESCO World Heritage Listed wilderness.

Accommodation will include double and twin bell tents with spring-foam mattresses on pallet bases, quality bed linen, fresh towels, bamboo furniture, toiletries and Armadillo & Co rugs. Tents have power,

lighting and a fan, though nights are usually mild throughout the ‘winter’ season (18–20°C). Guests will also have access to the recently renovated communal toilet and shower facilities, barbecues, as well as a restaurant, bar and pools at the adjoining Cooinda Lodge.

Cooinda is one of the

most convenient bases for touring Kakadu, with Yellow Water Cruises and Spirit of Kakadu Adventure tours operating from Cooinda. Warradjan Cultural Centre – a showcase for Kakadu’s indigenous culture and heritage – is just five minutes’ drive from the camp ground, and major tourist sites like Nourlangie, Anbangbang,

Twin Falls, Jim Jim and Gunlom are all within an easy drive.

Cooinda Camping Ground is located next to Yellow Water Billabong, 30 minutes from Jabiru and just more than three hours’ drive from Darwin. Flash Camp @ Kakadu rates start at $140 per night. Visit: www.kakadutourism. com/accommodation or call (08) 8979 1500.

Terry’s Tours & Charters for our latest brochure Phone 07 55909380 Come along and enjoy one of our fantastic Day or Extended Tours Or look at our new website www.terrystours.com.au

Springtime GETAWAYS! Hunter Valley Gardens Spring Festival of Flowers 11th - 16th September 2017 Come along and immerse yourself in a visual and sensory experience you will never forget!

Visit the Hunter Valley Gardens Spring Festival!

With over 250,000 annuals planted throughout ten themed display gardens, with tours and talks.

CARNIVAL OF FLOWERS TOOWOOMBA 2017 3 Day Tour 19th - 21st September 2017 Come along and join Terry on this in depth 3 day getaway. We are accompanied by an experienced Tour Guide as we visit a number of Open Gardens and parks for this Annual Garden Festival!!

& Drop offs, minimum 4 Star Accommodation, Cooked Breakfasts, All Lunches and Dinners, Hunter Valley Gardens, Entry + Train ride plus Dolphin Watch Lunch Cruise

TOUR INCLUDES: Luxury Coach travel, Home Pick ups & Drop offs 4 Star Accommodation Cooked Breakfasts, All Lunches and Dinners Orchid Society Display and All Garden Entries

$1590.00 Per Person Twin Share

$760.00 Per Person Twin Share

TOUR INCLUDES: Luxury Coach travel, Home Pick ups

6589426ab

Monday, June 12, 2017 seniorsnews.com.au

Gold Coast

Seniors 23

24 Seniors Gold Coast

seniorsnews.com.au Monday, June 12, 2017

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Monday, June 12, 2017 seniorsnews.com.au

Seniors 25

Wellbeing

Keep men moving Better health tips for men 60 and over

ARE you still working, retired, volunteering in the community or planning to travel, busy at home with grandchildren in your life?

The 60s are a decade of change for many men, when the routines of the past can disappear and you may have a bit more time to do your own thing.

How you spend your time has as much to do with your health as any other influences. So, keep moving with an activity at least 30 minutes a day.

The Baker Heart and Diabetes Institute men’s health group Foundation 49 have put together a To Do list of health checks for men who are into their

60th year. First up is, if you don’t have a GP, find one that you feel comfortable with discussing openly your health issues. Set yourself a target of meeting with your GP at least once a year; maybe use your birthday as the date you make your annual appointment.

Do a 60s health check list with your GP: ■ Weight and waist measurement.

■ Blood pressure.

■ Cholesterol and glucose levels.

■ Eye checks, especially for glaucoma and cataracts.

■ Bowel cancer screening.

■ Flu and pneumonia shots.

■ Blood test for kidney and liver function.

■ Mental health – talk about any concerns with your GP or a counsellor.

■ Discuss prostate health with your GP. Foundation 49 DIY tips for over 60 and over: ■ Keep physically and mentally active – play golf, tennis, undertake brisk walking or try cycling.

■ Challenge yourself often and keep on learning new things.

■ Drink moderately; are you having at least three alcohol-free days each week?

■ Socialise as much as possible – Laugh lots and loud.

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26 Seniors Gold Coast Help lessen the burden of Alzheimer’s ALZHEIMER’S disease affects one in three people over the age of 85.

This debilitating disease has an effect on more than just the person diagnosed – it impacts their loved ones, their carers, their social environments and their health network. Living in an ageing population, the enormity of the impact of this disease has never been greater. Health professionals and centres are currently seeking ways to lessen the burden of Alzheimer’s disease.

Queensland University of Technology’s Genomics Clinical Trials Centre currently has four clinical research trials that aim to better understand and, hopefully, better treat Alzheimer’s disease. The centre aims to recruit 750 seniors to become part of their studies. Currently, their studies are recruiting generally healthy individuals between the ages of 60 and 85 years who may be at risk of developing Alzheimer’s disease or may have just been diagnosed with its early symptoms.

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wellbeing

seniorsnews.com.au Monday, June 12, 2017

Marathon weekend to attract 27,000 runners Yvonne Gardiner

CHRISTINE Gleria, from Surfers Paradise, is in training to build up her stamina in time for her first Gold Coast Marathon event.

She’s in good company – 27,000 entrants are expected to run in the marathon’s events.

Being active and a regular walker, Christine will attempt The Star Gold Coast 5.7km Challenge.

Her daughter, Lyn Baird, who’s

entered in the Southern Cross University 10km run, has been encouraging her mother to maintain her fitness so they have completed parkruns together.

The race precinct on marathon weekend will be located at the Broadwater Parklands, Marine Pde, Southport.

That’s where the start and finish lines are located and it’ll be the centre of all the action and atmosphere.

Christine, 71, says at least the 5.7km challenge course is "flat".

"I don’t jog – the knees give way. I walk very quickly," she said.

"I’m hoping there’s a lot more people my age going to be in it. If I do under an hour, I’ll be quite happy. I think it’s marvellous because it gives everyone a chance.

"It’s the people you meet. The organisers are always fantastic, friendly and encouraging."

Christine says running

in a Gold Coast Marathon event is on Lyn’s bucket list.

"She’ll be there at the end to encourage me in," she said.

Christine walks often around her Surfers neighbourhood.

"If you stay within four walls, I think you ‘retire’," she said.

"We need to get out at our age. It’s very rare that I take the car out. I take the tram."

The 39th annual Gold Coast Airport Marathon will be held on Saturday and Sunday, July 1 and 2.

This year’s race program will feature the Gold Coast Airport Marathon over 42.2km, Wheelchair Marathon, ASICS Half Marathon, Wheelchair 15km, Southern Cross University 10km Run, The Star Gold Coast 5.7km Challenge, Zespri 4km Junior Dash and Zespri 2km Junior Dash. The biggest names in Australian marathon running history will be on

hand to run alongside, back slap, high-five and cheer on participants to the finish line.

Brisbane 1982 Commonwealth Games gold medallist and former world record-holder Rob de Castella will lead the charge of running legends striding out with entrants along with 1994 Commonwealth Games gold medallist and Gold Coast 2018 chef de mission Steve Moneghetti.

Rob de Castella says he is looking forward to being a part of the event and supporting runners in reaching their goals.

"There is absolutely nothing better than running that last 100m down through the finish chute of the Gold Coast Airport Marathon and to be able to celebrate and share that with runners, to be able to give them a high-five or a hug, is going to be magnificent," he said.

ON HER MARKS: Christine Gleria puts on her training gear to prepare for the Gold Coast Marathon's 5.7km Challenge.

PHOTO: YVONNE GARDINER

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wellbeing

Monday, June 12, 2017 seniorsnews.com.au

THANK you to those readers who sent me great feedback about my latest column.

I would like to share with you an email from one of my readers, Brian McBain, a retired AMP financial planner.

He told me a while back that he got a lot of ideas about planning for the non-financial side of retirement from my life planning seminars, not only for his clients at the time but also for himself.

Brian is in Spain at the moment with his wife, doing the famous Camino Walk. Just amazing what people can do and they don’t let their age hold them back!

“Hi Eva, another great column. I can certainly vouch for points 6, 8 and 10 (and certainly agree

Seniors 27

Tips to find hidden costs in aged care

Be inspired to live a happier and longer life INSPIRING AND RETIRING EVA BENNETT

Gold Coast

Yvonne Gardiner

with all the others). As Sue and I are walking our third Camino (from Le Puy en Velay to Saint Jean Pied de Port, across the southern part of France …

750km), the number of ‘older’ people we meet doing the same walk …

We think they may be in their 60s, or perhaps nudging 70, but when we start talking with them it turns out they are in their late 70s and some in their early 80s!

“And you wouldn’t believe the pace they are walking at … day in, day out.

“Just met a lovely Dutch lady, early 70s, riding her bike from her home in Holland to Santiago, Spain, then will turn around and ride home again … 3000km … all on her own!!!

“Certainly invigorating and motivating meeting these types of people.

Keep well and keep walking!”

An inspiring story, I thought.

Cheers, Eva Bennett.

AS BABY Boomers age and become frail, care groups are being set up to help people stay in their own homes.

It’s recognised as cheaper for the government and better for the person to be in their own home environment, rather than in a nursing home.

Envigor Home Care executive manager Tracey Silvester says that goal is becoming increasingly achievable, particularly if the person has good family support.

"We’ve got a lady we’re looking after who’s 98 and living alone," she said.

That lady is one of more than 700 clients looked after by Envigor throughout Queensland, with 200 care staff employed. Tracey is an expert on the new government program Consumer Directed Care and urges people to beware of "hidden fees" within the system.

She says it can be confusing for people.

SUPPORT: An Envigor home carer with a client, one of 700 people looked after by the service throughout Queensland.

"At the moment, there’s two funding programs with home care," she said.

"At Envigor, CDC is working well. We did a lot of education and information sessions for consumers, who are a group not well informed.

"You’re talking about people who are vulnerable and frail and fear upsetting the applecart.

"Some have no idea where their money’s going.

"We think as much of

their money as possible should go to care.

"We keep our admin costs down to 10%."

The program requires providers to be a lot more transparent with consumers than in the past. "We’re trying to be honest and ethical in how we deal with people," Tracey said.

"Clients are meant to be getting a monthly statement from their provider.

"Now is a great time for

consumers and their families to be closely examining their statements and to fully understand how their package funds are being spent.

"If they aren’t sure what a description means or it seems they have received a service but can’t remember what that service was, then they should ask for clarification.

"Older people need to get a fair go." If clients are not happy with their current provider, they can either move their entire package to a new provider, or ask their current provider to contract their service provision to another provider.

Should clients still be unhappy with the outcome offered by their home care provider, a government-run aged care complaints service exists to help care recipients take control of where their money is going.

For enquires: phone 1800 550 552 or website www.agedcarecomplaints .gov.au.

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seniorsnews.com.au Monday, June 12, 2017

Staying warm with indoor exercises Tracey Johnstone

IT’S getting colder and the motivation to be active outside may be waning, but that’s no reason to be inactive. Heart Foundation’s Healthy Living manager Sheree Hughes reminds us that regular, moderate physical activity is great for your heart health. “It helps control risk factors like high blood pressure, high cholesterol, and being overweight,” Ms Hughes said.“It’s never too late to start and get the benefits.” Remember, do everything in moderation, check with your doctor before you start any new exercise program and be active every day for at least 30 minutes.

■ Indoor Walking.

At home stepping out indoors is easy to do. No gym clothing is required, just comfortable shoes.

■ Stairs Use the stairs around your home to walk up and down for 30 minutes. Use a climbing and descending pace that

WINTER ACTIVE: Stay warm and active this winter with some indoor exercises to do at home.

PHOTO: IAKOV FILIMONOV

suits your fitness and balance.

■ Dancing Find a clear, level space in your lounge or even in the garage, turn on your favourite dances tunes and then start dancing like no one is watching.

It’s fun and stress relieving.

■ Lunges You will never see your hallway in the same light again.

■ Cleaning I know, I know, it’s so much fun, but it has to be done, so why not make house cleaning benefit more than just the household.

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■ Sweeping Lose the leaf blower and get hold of the old broom and sweep your driveway, tiles and pathway as a way to gently work your back and arms.

For more active ideas: phone 1300 362 787 or heartfoundation.org.au/ active-living/get-active.

BDS (London), M Clin Dent (Queensland)

syrupy puddings? – try to eat well. Warm winter salads will bring some sunshine to the table. And watch portion control so you are not bogged down by a heavy stomach after a meal.

■ Viewing ageing as a positive rather than a negative and avoiding saying such as “my old bones hate the cold” will help.

Thinking positive and enjoying the wisdom age has brought you will also steer you more contentedly through the cold months.

■ One of the most important pitfalls to avoid in winter is tucking up inside the house and avoiding going out.

Keeping up social activities is essential.

Just because it’s cold outside it is no excuse for letting friendships go, or missing out on your regular social activities.

If you find you are suffering severe depression brought on by winter cold and darkness, seek help. Talking through your problems and sharing anxiety will automatically assist.

Your GP is the first step.

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THANK goodness we don’t suffer severe winters in Australia, but getting through the next three months can be tough for some seniors.

The early morning and afternoon darkness can be depressing and affect the wellbeing, so it is wise to take some simple steps to avoid sinking into depression.

■ Keep things light by opening curtains and blinds and having shrubs and branches near windows well pruned. Just by enjoying more light in the home, the mood can be lifted. Getting up in the darkness for months can lead to depression in some seniors. Investing in a device that slowly allows the bedroom lights to brighten might be worth looking at.

■ While walking has been proven to help lift the mood and relieve stress, preliminary studies have shown that walking under bright lights (a walking machine in a brightly lit room) can improve social function and vitality.

■ While comfort food will temporarily lift the mood, and who doesn’t love rich stews, slow braises and

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Monday, June 12, 2017 seniorsnews.com.au

Seniors 29

Living

Ever thought of your furry friend as dance partner?

UNFORTUNATELY for dog owners, winter can’t be a time for hibernation and extra couch time.

Even when you want to snuggle in and catch up on the new Netflix series, those beaming eyes and wet nose stop you in your tracks.

Dogs (and humans) need to keep mobile and fit year round to ensure a long and healthy life.

Dogs Queensland general manager Rob Harrison says there are several ways your dog can help you stay motivated

during the cooler months.

“Dogs have a unique way to get us moving in winter, they need to be outside and keeping fit,” he said.

“Fortunately, there are several ways you can keep exercise interesting with your furry friend.”

Whether you’re looking to join in, or find an activity exclusively for your dog, there are numerous ways you can try something new.

Here are the top five tips from Dogs Queensland to keep you motivated:

★Try new walking tracks – it’s easy to forget about the winter chill when you are in the midst of nature.

Search online for some dog-friendly walking trails or summits nearby, even make a day of it and head to the beach.

The crashing of the waves is beautiful year round. ★Move your walking times until later in the day – on weekends, try walking around lunch time to feel the sunshine a little more than in the mornings.

★Set social activities with your friends and their dogs – try catching up with friends at dog-friendly parks and beaches.

BYO lunch and both you and your pooch can socialise all afternoon. ★Get your pup into dog sports – winter is the perfect time to start a new activity with your pup.

Head to the Dogs Queensland website to find a local club and introduce yourself and your dog to new people and new sports such as

WALKIES: Keeping your dog mobile in winter helps you as well.

flyball, agility and endurance. ★Dance with you dog – if you’re looking for something out of the box, this is for you.

There are various clubs throughout Queensland that allow you to learn and perform choreographed tricks and moves to your favourite tune with your pooch.

Not only is this a lot of

fun, it will also teach your dog obedience and help you form an inseparable bond.

A list of affiliated Dogs Queensland clubs can be found at www.dogsqueensland.org. au/Club.

Information on upcoming shows and trials can be found at www.dogsqueensland. org.au/ShowAndTrial

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living

seniorsnews.com.au Monday, June 12, 2017

70s happiest time to work Alison Houston

NEW research reveals that people aged over 70 are the happiest at work.

The result will surprise many who see this as a well-earned time to put up their feet and relax, or just get off the treadmill and enjoy outside interests.

But the report Happy workers: How satisfied are Australians at work?, conducted by Curtin University with Making Work Absolutely Human (mwah) and comprising 17,000 participants, reveals that while pay, job security and hours of work count, the job itself is paramount.

“It’s what you do, how you are able to go about your work and who is alongside you that

matters the most when it comes to job satisfaction,” mwah CEO Rhonda Brighton-Hall told Seniors Newspaper Publications.

Just over 60% of workers in their 70s (a sample size of 99) reported feeling very satisfied with their job overall, compared with only 24% of Gen Y, 28% of Gen X and 33% of Baby Boomers.

Most workers in their 70s were working on a part-time basis – 70% part-time, 30% full-time.

“Workers who continue on beyond the age of 70 are likely doing so not out of necessity but because they love what they are doing,” Rhonda said.

Without the stresses of

raising a family, she said, many already had more free time and chose to continue working to “be productive and make a difference”.

“We see ‘work’ as … the opportunity to use our hands, our minds, our strength, our creativity and sometimes even our hearts, to contribute to the community in which we live,” she stated in the report.

In some cases, she told Seniors, older participants had totally dismissed the idea of retiring, asking “Why would I retire, when there’s so much more to do?”

“In short, they want to make a difference, and see their work as an important part of making

that difference,” Rhonda said.

The fact that most of the over-70s worked part-time aligns with another of the survey’s findings, that satisfaction with hours of work increases up to 25 hours each week before dipping and rising again until it reaches 38 hours, after which it falls markedly.

People who are able to do a little work from home each week tend to report higher levels of job satisfaction than those unable to do so. Baby Boomers (born 1946-64) report being happier working ‘for’ others in caring and community roles, or in the outdoors, such as agriculture. They prefer to work in small to medium businesses

rather than big ones, and the most important factors remain the type of work, who it is done with, and freedom around how it is done.

In her foreward to the report, Rhonda stated: “We will spend a large part of our adult lives working – over 100,000 hours in some cases.

So, if we will spend over 100,000 hours in some cases working, and almost one-third of Australians (29%) reported dissatisfaction with payment and working hours, what can businesses do to make workers happier?

“When people feel valued, and included, they thrive, and give their best,” Rhonda said.

LOVING IT: Making Work Absolutely Human CEO Rhonda Brighton-Hall says over-70s are happy at work because they love what they are doing.

How would you make the world a better place?

EVERYONE should have to write their own epitaph at about 50 years old to help them decide what they want to be remembered for. That’s just one of many ideas Xplore for Success founder and CEO Diana Ryall AM has to

make this a better world in which to live, and to leave for our children and grandchildren. It’s this ongoing interest in, and passion to make the world a better place, which Diana said drives her and makes her one of the

people over 70 who are Australia’s happiest workers. The managing director of Apple Australia from 1997-2001 and former head of Chief Executive Women’s Talent Development Program, said she was fortunate to

have always worked in areas she loved, from her earliest days as a computer science and maths teacher. She said she prized being part of the early days of the technological revolution and being at the forefront

of supporting women’s push towards equality in the workplace. “My work is my passion,” Diana said. “That’s a true gift if you can work in something you love.” However, she is realistic that many people have to work at a job they

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Monday, June 12, 2017 seniorsnews.com.au

living

Gold Coast

Seniors 31

Manning up with some big style tips Tracey Johnstone

SALLY Mackinnon, a Melbourne-based men’s stylist, knows what are men need to do to stay stylish during this winter.

She has a list of easy style tips that are very practical for men over 50 whether still working or retired and looking to dress for a more relaxed lifestyle.

Best colours ■ Navy and grey are always very popular throughout the year, and remain

welcome colours in winter.

■ Deep burgundy red compliments the navy and grey and adds a little bit of warm colour to the wardrobe.

Fabric and patterns ■ Keep the separates choices classic and tailored, such as trousers, jumpers and shirts.

■ You can have a lot of fun with outer garments like coats and blazers.

Jumpers

■ Knitwear is a great staple item in winter.

■ There are some shawl-collar jumper or button-up turtle neck ones around, that can be worn open with a collared shirt, and worn with a casual work outfits or with jeans.

Shoes ■ On-trend colours are chestnut to

chocolate brown, which go with just about everything from classic to informal wear.

Jeans ■ Men’s styles are a lot more tapered that used to they be,

including in jeans.

■ The most modern cut for any man of any age is a slim leg.

Accessories ■ Wear interesting cuff links, adding in a pocket square to their jackets or a tie pin.

■ Patterned socks are in fashion.

Grooming ■ A well-groomed man with a well man-scaped beard and moustache can look very sophisticated.

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living

All Things Legal

Explaining the changes to new aged care system

DEATH AND TAXES THE ONLY CERTAINTY IN LIFE!

Many people believe that after they die, their property will pass to whomever they have left it to in their Will and that there will not be any significant taxation issues involved. We no longer have death taxes in Australia, do we? Nothing could be further from the truth!

Whilst it is true that real property owned by a person who dies which was occupied as their principal place of residence will not attract any capital gains tax, there are certain preconditions and time limits which apply to the exemption of this tax. Sometimes these issues can get fairly murky when an elderly person is placed into a nursing home or into care which leaves their former principal place of residence vacant or alternatively, rented out to tenants. If there is a significant delay between the date a person dies and the finalisation of the estate, you could also run into problems with the Australian Tax Office (ATO) in relation to claiming an exemption from capital gains tax and other concessions which are available to a deceased estate and the beneficiaries.

While many people who pass away have relatively uncomplicated assets and family situations, in these modern times it is more likely that estates will include investment properties, trusts, companies, self-managed superannuation funds, superannuation policies with a lump sum death cover component and any number of different entities that own assets that are linked to or in the name of the deceased. The question as to whether these entities or the ultimate beneficiaries in the estate will be subject to paying tax is completely dependent upon how these assets are owned and whether any tax is payable in relation to the transactions involved in transferring these assets into the estate and to the beneficiaries.

A good example is a company owned or controlled by the deceased. Quite often a company will have a sole director with the shares owned by the deceased. Although the company owns assets by way of property, cash, shares and other plant and equipment, it is the ownership of these shares which is relevant to the administration of the estate. The company is a separate legal entity that continues to survive despite the death of the director and shareholder. It is then an issue of transferring the assets of the company via the shareholding to the estate. This can involve very complex taxation issues which relate to firstly transferring the shares into the estate and then converting the assets of the company and transferring these to the beneficiaries.

Without going into serious detail, if these assets are not correctly transferred and/or disposed of in a certain order, it could be that the estate and therefore the beneficiaries are subject to a significant taxation liability.

Another good example is a lump sum death benefit pursuant to a superannuation insurance policy or straight out life assurance cover. Unless the principal beneficiary under the policy is a financial dependent of the deceased, taxation of any lump sum benefit can range between 16% and 32% tax! The deceased and his or her advisors need to be careful when they draft binding death nominations for these policies so that the tax positions of the beneficiaries are taken into account before these documents are drafted. The same issue applies to self-managed superannuation funds and payment of lump sum death benefits within the fund to surviving nominated beneficiaries.

The issue as to whether the beneficiary is “financially dependent” or “financially interdependent” can be a very complicated issue with significant taxation consequences arising from the definition.

Whenever real property is involved as assets of an estate, no matter what entity owns this, it can always be a complicated situation regarding potential liability for capital gains tax. Although property obtained prior to the introduction of capital gains tax can be exempt, there are many investment properties and

other land that is owned by a deceased person that would be subject to the imposition of capital gains tax. This can be a significant amount of liability for the estate, especially if there has been a huge increase in the value of the property from when it was first purchased. If the proper taxation liability position is not carefully investigated by the executors, there could potentially be a huge tax bill which is missed before the assets are distributed to the beneficiaries. Unfortunately for the executors, they could face a personal liability for this tax bill if it is not properly investigated!

Suni Golightly

SOONER or later you will be exploring the government’s changes to aged care packages.

If your journey has just begun, you should become familiar with the system and its changes..

Previously, the Federal Government gave financial subsidies directly to nursing homes or service providers on behalf of patients.

Now there’s been a switch, with the government providing subsidies directly to the patient/client so that they can make the choice of homes and services.

This will empower the individual and make similar service providers more competitive for your dollar.

Another very common tax liability which is overlooked relates to share portfolios. Once again, unless the shares were purchased prior to the introduction of capital gains tax, any shares that are owned by the deceased or his or her related entities could be subject to the imposition of capital gains tax. Once again, if the value of the shares has risen dramatically since they were originally purchased, the executors of the estate could well find themselves personally liable for a tax bill in relation to capital gains tax for the shares. In many cases it can sometimes be difficult to trace the details of the original purchase of the shares so it is sometimes unclear as to what the position is in relation to whether tax is payable. It can also be extremely difficult to assess tax liability where the shares are kept by the beneficiaries and transferred “in specie”.

Once again, executors need to be extremely careful and obtain sound taxation advice in relation to these issues before the assets of the estate are distributed to the beneficiaries.

ACCESSING AN AGED CARE PACKAGE OR HOME CARE PACKAGE

These are just some examples of issues that often arise in estates that we assist executors with during the administration of an estate. What many people do not realise is that it is possible for many of these issues to be investigated and dealt with during your lifetime through obtaining proper estate planning advice. We are often involved in administering estates where the deceased has quite complicated business structures with difficult family situations and yet they decide to only have a “simple Will” or, worse, a “do it yourself Will”! Unfortunately, when these simple Wills or do it yourself Wills are used in these types of estates, in many cases it can cost the estate (and therefore the beneficiaries) hundreds of thousands of dollars in legal and accounting costs to correct the issues that arise in relation to distributing the assets of the estate. By making a small investment to obtain the correct advice now you can potentially save your estate hundreds of thousands of dollars in legal and accounting fees that may be required to fix issues at a later stage.

If a family member is ready to receive a Home Care Package (services received at home) or go into an Aged Care Facility (usually this decision is made when it is determined that 24-hour care is needed), there are steps you need to follow.

ORGANISE AN ASSESSMENT

■ When an older person begins to show signs of needing more help than the occasional assistance, an ACAT assessment can be arranged by the person’s GP. ■ The free assessment will determine the person’s care needs and eligible level of care.

■ It helps ascertain whether they require access to a HCP, transition care, respite care in an aged care home, or a permanent placement in an aged care facility.

To find your local ACAT or for more information about ACAT assessments, phone 1800 200 422 or visit the website www.myagedcare.gov.au.

We constantly come across situations where clients have the means and opportunity to obtain proper legal and accounting advice with respect to their estate planning but elect to cut corners or save money by doing cheap simple Wills or do it yourself Will kits. There are many instances of very experienced, intelligent people who opt to do this despite the fact that they have quite complex family situations and various entities and assets. We can only reiterate our advice to our clients to ensure that they obtain appropriate specialist advice with respect to their estate planning. This can make so much difference to your family members who are left behind to clean up the mess!

For further information please contact our Wills and Estates and Family Law Department Manager, Donna Tolley on direct line 07 5506 8241, email dtolley@attwoodmarshall.com.au or free call 1800 621 071 to book a free 30 minute appointment with one of our dedicated Estate Planning lawyers.

Freecall

1800 621 071 Visit our website attwoodmarshall.com.au Coolangatta | Kingscliff | Robina

6437446ai

This famous statement of Benjamin Franklin in 1789 is very much as relevant today as it was in the 18th century. Although there are no longer “death taxes” in Australia, that is not to say that assets in an estate are not taxed or will attract certain percentages of taxation in certain circumstances.

Estate administration lawyer Debbie Sage discusses some of these issues.

seniorsnews.com.au Monday, June 12, 2017

REVIEW A VARIETY OF CARE OPTIONS AND FACILITIES

Once you are approved for a HCP, you can choose any provider from the department’s list of approved service providers.

■ Your package is your

EMPOWER YOURSELF: Become familiar with the aged care system and its changes.

own and the government funding goes to the provider you choose.

■ Your package is portable, so you can choose to change providers and take your package with you.

■ Choosing the right providers for you or your family member, whether they are at home or in a facility, is essential.

■ Personal recommendations are always a good start.

■ Your ACAT assessment should list all care needs.

■ Use the letter of assessment from the ACAT as your guide and make it available to potential carers or facilities to let them know what care is needed based on the family member’s situation.

■ Talk to family members and carers to make sure you have thought of everything.

■ Once you have a list of places or caregivers, call each one and arrange a visit or interview.

ORGANISING PAYMENT

The new accommodation payment arrangements give residents and providers the flexibility to negotiate a price that is greater than a resident’s net assets.

Residents can choose to pay for their accommodation by a lump-sum refundable deposit, rental-style daily payments, or a combination of both.

Financial considerations and implications of entering an aged care facility are complex, so family members should consult an accountant or financial advisor.

You can enter an agreement with a provider by paying a Refundable Accommodation Deposit which is negotiated with the care provider and is dependent on your assets and income. The daily cost of aged care is made up of the Daily Accommodation Payment or the Daily Accommodation Contribution. The DAP is calculated as follows – the amount of your RAD multiplied by the maximum permissible interest rate (which is set by the government, currently 5.78%), divided by 365 (days).

The DAC is set by the Department of Human Services. For example, if Margaret moves into a facility with a RAD of $400,000, (made up from funds of the sale of her family home), her daily rate is $400,000 multiplied by 5.78% ($23,120) and divided by 365. This amounts to a DAP of $63.34.

With that DAP and a DAC of $35 (indicative only), Margaret’s charge per day would be $98.34, which can be deducted from her RAD or paid using outside income.

The balance of the RAD is refunded if they wish to change facilities, or if they die it is refunded to their beneficiaries. Generally speaking, the process is a little complicated if you have never done this kind of thing before, and when you factor in the emotional stress that many people are under while making these decisions, it pays to have sound financial advice and assistance in navigating the process and paperwork. The above are examples only.

Gold Coast

Monday, June 12, 2017 seniorsnews.com.au

Seniors 33

Reviews

Victim’s past holds buried secrets A HOT summer. A shocking murder. A town of secrets, waiting to explode.

A brooding, suspenseful and explosive debut that will grip you from the first page to the last.

A beautiful young teacher has been murdered, her body found in the lake, strewn with red roses.

Local policewoman

Detective Sergeant Gemma Woodstock pushes to be assigned to the case, concealing the fact that she knew the murdered woman in high school years before.

But that’s not all Gemma’s trying to hide.

As the investigation digs deeper into the victim’s past, other secrets threaten to come to light, secrets that were supposed to remain

buried.

Published by Allen & Unwin, The Dark Lake is available in June. RRP $32.99.

Looking for learnings and finding murderous intent HISTORY AND MYSTERY: Before We Were Yours by Lisa Wingate.

PHOTO: HARLEQUIN

Family betrayal rips them apart BEFORE We Were Yours is a compelling, harrowing and utterly redemptive novel that reveals a family torn apart by a shocking betrayal.

Based on real-life events of kidnap, illegal adoption and a corrupt orphanage, the fictional narrative brings alive deeply researched real-life events in the manner of Jodi Picoult and Caroline Overington.

Born into a world of wealth and privilege, Avery Stafford appears to have it all.

A loving daughter to her father, a US senator, with her own ambitious career as a lawyer and a handsome fiance waiting for her in Baltimore, she

has lived a charmed life.

But when Avery returns to Aiken to help her father weather a health crisis and a political attack, a chance encounter with May Bonher, an elderly woman she’s never met before, leaves Avery deeply shaken.

Avery’s decision to learn more about May’s life will take her on a journey through her family’s long-hidden history,

❝

Born into a world of wealth and privilege, Avery Stafford appears to have it all.

IN THE decadent world of Oxford University, c.1985, Pimms, punting and ball gowns are de rigeur.

Ursula Flowerbutton, a studious country girl, arrives for her first term, anticipating nothing more

sinister than days spent poring over history books and an invitation to a ball.

But when Ursula discovers a body, she’s caught up in a murder investigation.

Bloomsbury Publishing.

RRP $27.99.

illuminating the heart of Avery’s story.

About the author Selected among Booklist’s Top 10 lists for two consecutive years, where she was called “quite simply, a master storyteller”, Lisa Wingate is known for weaving lyrical writing and unforgettable settings with elements of traditional storytelling, history and mystery.

Lisa Wingate creates novels that Publisher’s Weekly calls “masterful” and Library Journal refers to as “a good option for fans of Nicholas Sparks”.

Published by Harlequin, Before We Were Yours is available in June. RRP $29.99.

Finally we get some answers for our gut YOUR guts have an astonishing degree of control over your mood, hunger and general health.

Dr Michael Mosley’s The Clever Guts Diet is a book that celebrates this hugely under-rated organ and shows you what you need to do to keep it in prime condition.

Best-selling author Dr Mosley reveals the latest research into the

workings of the microbiome – the kilogram of alien bacteria that live in your gut – and takes a look at exactly what happens inside your stomach and intestines as you go about your daily life.

He demonstrates how your gut communicates with your body and mind, and explains why your biome affects your weight, your health and

even your happiness.

Published by Simon and Schuster, The Clever Guts Diet is available in June. RRP $29.99.

BOOK NOW

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34 Seniors Gold Coast

seniorsnews.com.au Monday, June 12, 2017

FINANCIAL LITERACY FEATURE

Are tax returns needed?

Q: I HAVE been retired now for nearly 20 years and widowed. I receive the Age Pension and dividends from a small share portfolio. Do I have to lodge a tax return? I don’t generate sufficient income to pay tax. I have previously lodged tax returns via an accountant to get a refund on the franking credits on my share portfolio. Is there a simpler way?

A: Retirees who are eligible for the Seniors and Age Pensioners Tax offset and have rebatable income of less than $32,279 as a single (or $28,974 each if a member of a couple) are not obliged to lodge an annual tax return provided they meet these criteria

Andrew Heaven (WealthPartners) answers question on Age Pension tax offset

WEALTH SOLUTIONS: Andrew Heaven.

and do not have the following circumstances.

You would be obliged to continue to submit annual tax returns if any of the following circumstances apply:

Myths and reality of divorce

EVERYDAY MATTERS CAROLYN DEVRIES CEO of New Way Lawyers

THIS month we look at part three of our series which provides information to individuals who are facing a separation, divorce or property settlement. In this instalment we shed some light on the myth that the outcome of property settlement is influenced by who made the decision to end the relationship.

Myth number 3: My partner had an affair so they should get less of the property.

Australia has a no-fault family law system.

This means that moral

considerations such as who decided to end the relationship or infidelity are not relevant and will not impact the division of assets and liabilities.

The no fault system means your settlement will not resemble an episode of the Jerry Springer Show with both parties airing their dirty laundry, instead focus is placed on the contributions the parties have made to the relationship and future needs of the parties.

Although it can be difficult for an aggrieved spouse to learn the settlement process operates on a no-fault basis, accepting this will minimise the time, expense and stress of the process. New Way Lawyers Offices Corinda 3278 3992, Capalaba 3245 5033, Burleigh Waters 5568 0669.

You receive income as a Pay-as-You-go- employee where tax was withheld.

You received reportable Fringe Benefits in the financial year.

You carried on a business as a self-employed person.

You received a distribution from a trust.

You received income from foreign employment, investments or pensions.

You have not claimed your Private Health Insurance Rebate and wish to do so.

You wish to claim tax deductions for donations or eligible expenses.

You have made a capital gain in the current year or a loss in this year or

earlier years that you wish to claim.

You own foreign assets worth more than $50,000 Australian.

Other criteria requiring a tax return to be lodged would be if you made a personal contribution to superannuation and you are entitled to claim a tax deduction or receive the government co-contribution (for those under 71).

If you have received an Australian superannuation lump sum where there was an untaxed component or you received a lump sum death benefit paid to you as a non-dependent.

Assuming that you do

not fall into the above category and your income falls within the SAPTO limits, then you would not need to lodge a tax return.

Dividends paid to shareholders by Australian resident companies are taxed under a system known as imputation.

This is where the tax the company pays is imputed to the shareholders.

The tax paid by the company is allocated to shareholders as franking credits attached to the dividends they receive, typically the tax credit is 30%.

If you are not required to lodge a tax return, you

can claim a refund of the franking credits by lodging an ATO application for a refund of franking credits for individuals.

You can lodge the form online, complete a paper form and submit the records over the phone or via post direct to the ATO .

Applications forms will be available after June 30.

Processing of the refund typically takes two weeks for online or phone claims. Paper based applications will take up to 50 days to process.

For further information, go to www.ato.gov.au or call 132 865.

General advice in this story doesn’t account for personal situations.

Real deals for genuine debt reduction BEING excluded from mainstream financial services doesn’t mean there is no avenue for finding help to your financial stress other than to pay a high price through shop-front lenders.

Good Shepherd Microfinance (GSM) offers financial relief for low income earners through several programs that are underwritten by the National Australia Bank and state governments.

About 30% of its flagship program, No Interest Loan Scheme, clients are seniors.

Last year GSM helped 6900 senior clients deal with financial stress.

A car breaking down, an unexpected household or medical bill, can all push a person or family into financial stress.

Good Shepherd

Microfinance’s acting chief executive officer Renee Hancock said that in Australia now there are a staggering two million people who are experiencing severe financial stress and another 10 million who are experiencing low-level financial stress. Of those, she said about three million are experiencing financial exclusion.

“GSM provides affordable financial programs and services for people who are financially excluded.”

Ms Hancock used the example of Robert to explain how the GSM can make a real difference.

He found himself homeless with no money, just one bag of belongings and a second-hand car when his relationship broke down.

With the help of GMS’ No Interest Loan Scheme he was able to purchase a new fridge and washing machine.

NO INTEREST LOAN SCHEME NILS is a credit option.

It’s a loan up to $1200 which can be used to purchase essential household items or services, such as whitegoods, medical expenses, laptops and education.

The loan is not cash, instead it goes directly to the supplier.

Repayments work out to between $15 to $40 per fortnight over 12 to 18 months.

For more information and to find a local provider, go to www.nils.com.au.

Other services are: ★StepUp Loan Services which is a low-interest

loan of up to $3000 that can be used for essential household goods and services. ★Good Insurance or Essentials by AAI is offered as GSM found clients often struggled to qualify for car insurance. ★Good Money stores which offer many of the GSM products and services. ★Addsup Savings Plan which encourages NILS and StepUP clients to develop positive, long-lasting savings habits. ★Good2GoNow - Good Shepherd Microfinance uses it buying power to give clients access to the best prices on computers and household appliances.

For more details, go to www.goodshepherd microfinance.org.au.

AUSTRALIA’S FIRST NON PROFIT LAW FIRM

New Way Lawyers is a law firm with a difference. We are Australia’s First Non Profit Law Firm. As a non profit law firm we are not motivated by profit or financial gain because there are no shareholders or partners in our organisation. This means that our fees for services are more affordable because unlike other law firms, the purpose of our fees is to cover costs, not to generate profit. We practice exclusively in the emotional areas of estate law and family law.

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• Separation and Divorce • Wills • Parenting Matters • Powers of Attorney • Property Settlement • Will Disputes and Family • Child Support Provision Claims

Gold Coast

Monday, June 12, 2017 seniorsnews.com.au

Seniors 35

FINANCIAL LITERACY FEATURE

Take steps to protect SMSF MONEY MANAGEMENT: ANZ's Money Minded website has been created to help you build your skills, knowledge and confidence.

A money management tool that can help you

MOST of us struggle from time to time to manage our money, so when a free and easy-to-use tool comes our way, it’s well worth checking out.

ANZ’s Money Minded is a free, easy to use, online money management website.

“ANZ has invested in financial literacy for many years, working on programs in the community,” ANZ senior manager of financial inclusion Michelle Commandeur said.

“The programs are designed for people to build their money skills and confidence.

“We have worked with the Smith Family and Benevolent Society NSW, and others who deliver face-to-face Money Minded workshops.”

The basic face-to-face financial program has been adapted to suit online with the Money Minded website helping users to create a budget, work on reducing debt or

start saving, and develop good financial skills along the way.

“It’s not linked to any products or services that ANZ has.”

“The only thing we ask people to do is register with an email address so that we can keep in touch with who is using the program.”

The face-to-face program and online activities are available to anyone, not just to ANZ customers.

There are eight activities to be worked through. Users can save their progress if they want to stop at any time or come back and change some of the information they have used.

The activities are: ■ 1. Know yourself – discover your attitude to money ■ 2. Spend wisely – identify needs, wants and spending leaks ■ 3. Clarify your goal – set smart goals ■ 4. Plan your spending –

get started with budgeting ■ 5. Bank smart – get the right bank account ■ 6. Avoid dangerous debt – understand credit files and credit providers ■ 7. Watch out for credit cards – manage your credit card ■ 8. Plan for your future – get the most from your superannuation A user can choose any one or all of the activities they want to do and then complete them at their own pace.

If a person doesn’t own a computer they can access the Money Minded website through one at their local library or retirement village recreation room, or attend a Money Minded workshop, or even organise one for themselves and their friends at no cost by sending an email request to moneyminded@ anz.com.

For more, go to www.moneyminded. com.au.

All yo

For igur n Exche nee ange

FINANCIAL coach Andrew Heaven answers another of the many SMSF questions.

Q. I have a selfmanaged super fund with my wife. The assets of the fund are approximately $2.1 million. My wife’s super account balance is around $420,000 and my pension balance is $1.68 million. I am 64 and my wife is 61 and we continue to work. As I exceed the $1.6 million dollar transfer balance cap, what do I need to do before July 1 2017?

A. With just under six weeks remaining before the new rules come into effect, there are a range of important steps that you, as trustees of your SMSF, will need to take.

You will also need to have a clear understanding of what is in accumulation and pension phase for you and your wife for both income and capital gains purposes.

Within your fund pension and superannuation accounts, you will be obliged to apportion income on the fund using the “proportionate method” to calculate and differentiate exempt pension income from income earned on funds in the accumulation phase.

You need to consider and decide when and if

❝

I have a Self Managed Super Fund (SMSF)... what do I need to do before July 1 2017?

you wish to apply the new capital gains tax relief provisions.

Under the super changes, complying SMSF are able to reset the cost base of investment assets to their current market value where those assets are reallocated or re-apportioned from the retirement phase to the accumulation phase before July 1 to comply with the transfer balance cap or new transition to retirement income stream arrangements.

Where the assets of your SMSF are partially supporting interests in the accumulation phase, tax will be calculated on this proportion of the capital gain that is not in pension phase on June 30.

While the capital gain needs to be identified, any tax liability will be deferred until the asset is sold.

There are two methods of allocating assets in a member’s pension and superannuation accounts within an SMSF – segregation or proportionate method.

Segregation means that a specific investment asset is allocated to supporting specific pensions and/or superannuation accounts.

Proportionate method means that the asset is owned by the SMSF as a whole and the value is proportioned on a percentage basis between the pensions and/or superannuation accounts.

CGT relief on the assets of the fund applies differently and is subject to different rules depending on whether the super fund uses the segregation or proportionate method.

The relief conditions apply to both methods provided action is taken between November 9 last year and June 30 this year.

This applies to all assets in a complying SMSF held throughout that period.

If a super fund wishes to apply the relief, they must make this choice and notify the ATO on or before the day the trustee is required to lodge the fund’s 2016–17 tax return.

A choice to apply the relief cannot be revoked.

Q&A with The Coach story first appeared on the WealthPartners website.

Any general advice in this story doesn’t take account of your personal situations.

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36 Seniors Gold Coast FROM PAGE 13

us for an enjoyable morning. Visitors welcome phone Julie on 0418 966 256 or go to the website: hastingsptprobus.org.

■ RUNAWAY BAY

WE ARE a non-profit club operating to promote fun, friendship and fellowship in our community. If you are interested in making new friends and joining us to enjoy guest speakers, lunches and outings, the club will be holding its next meeting on Monday, June 19 at the Paradise Point Bowls Club cnr Thrush & Sunbird Aves.

neighbourhood news

The meeting will start at 10am. There will be an interesting guest speaker.

All members and new friends are welcome to attend. Our next bus trip on Tuesday, June 20 will be to Maleny and Montville, part of the Sunshine Coast Hinterland. Those interested can contact Noel 5564 2231 for more details. Enquiries to Warren on 5514 0234.

GOLD COAST FAMILY HISTORY SOCIETY INC. WE ARE a not-for-profit organisation and have a

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Who do you call...

Seniors Card 137 468 or 1800 175 500 (free call outside Brisbane) Centrelink: Retirement 132 300 Disability, Sickness & Carers 132 717 Employment Services 132 850 Seniors Enquiry Line 1300 135 500 Department of Veteran Affairs 133 254 or 1800 555 254 (Regional)

1800 200 422

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National Aged Care Information www.agedcareaustralia.gov.au

Family History Research Intro Class being held on Friday, June 16 from 9–11am. The class will be held in Room 3 in the Nerang Bicentennial Centre, Nerang-Southport Road, Nerang. If you have ever wondered how your family came to be living in Australia, come along and see how enjoyable family research can be.

Bookings essential.

Please book with Pam on 5594 0610.

HAPPY TO HELP: Gold Coast TAFE with some of their ESL volunteers celebrating volunteers week recently.

CREATIVE ARTS WORKSHOPS

WORKSHOPS build Creative Connections with seniors of the Logan community. Senior citizens and people with disabilities will have access to low-cost creative arts workshops in Logan this winter. Aiming to improve the emotional and social wellbeing for community members, the ‘Creative Connections Workshops’ will offer classes including drawing, collage-making and drumming over seven weeks in July and August.

Morning and afternoon workshops 9.30–11.30am and 12.30–2pm each Wednesday, Thursday, Friday from July 5 to August 18.

Wednesday’s workshops for people with disabilities are filled.

Thursday and Friday workshops for seniors are open for bookings.

Wednesday: Beenleigh Senior Citizen’s Centre.

Thursday/Friday: Brigalow Country Community Club, Eagleby. Cost: $10 per person, per workshop (includes all art supplies).

No experience is necessary. To book: phone Ali on 0415 272 150.

CASINO FUNDRAISER AND SHOW

National Information Centre on Retirement Investments (NICRI) 1800 020 110

seniorsnews.com.au Monday, June 12, 2017

SOUND Connection Men’s a cappella chorus and Vocalescence Women’s a cappella chorus present a Casino fundraiser and show ‘What happens in

Vegas’. It will be held at 7–9.30pm on Saturday, June 17 at the Helensvale Cultural Centre, 62 Sir John Overall Dr, Helensvale. Dress up in your best glad rags for a night out. Tickets: $40 and includes complimentary drink on arrival + $200 ‘fun money’ + snack food.

Drinks: Available to purchase from cash bar.

Chips: Additional fun money available to purchase. Book your tickets now. Raffle prize: four nights for four people at Samarinda Point Lookout, Stadbroke Island.* Tickets available from chorus members, or phone 0407 954 708 or on the night. *Conditions apply. Visit us online at: soundconnection.com.au.

MEDITATION ON SUNDAYS

JOIN us for an hour of meditation from 5.30–6.30pm to start your week in a peaceful way. These sessions are facilitated by an experienced meditation teacher. During the hour there will be guided commentaries, silence and gentle music.

Open to all at 27 Bordeaux Pde (near Le Mans Dr), Mermaid Waters. Please register your attendance on 5575 2126 or email: goldcoast@au.brahma kumaris.org.

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Available in Newsagents all over QLD, NSW, ACT. Enquiries: call 07 4690 9310 or ruth.subscribe@newsregionalmedia.com.au

PALM CREATIVE STITCHERS INC.

JOIN us for all types of hand worked needle crafts. Our sociable group meets every Monday, 11.45am–3.15pm at the Palm Beach Library. Phone Jenny on 5527 7197 or 0408 605 327 for more information.

50 & OVER SENIORS

COOLANGATTA Senior Citizens Centre Inc. welcomes all Gold Coast and Tweed area residents and visitors. The centre has a large range of activities including, bingo, new vogue dancing, computer lessons, cards, choir, indoor bowls, craft, light exercises, line dancing, mah jong, qigong, rock and roll, eight ball, table tennis, tai chi, yoga, guitar and ukulele, bus trips, hairdressing and beauty. Our next free monthly concert will be on Monday, June 26 at 1pm featuring Bernadette Fisher. For enquiries please phone 5536 4050 or visit the centre at 2 Gerrard St, Coolangatta.

LADIES BREAKFAST

COME along to St Cuthbert’s Anglican Church on the corner of Florence and Powell Sts Tweed Heads on Saturday, July 1 at 8.30am for a ladies breakfast. It’s always a very happy and enjoyable morning with great guest speakers.

Cost $10. To book: phone Desley on 5513 1475 or

the church office on 5536 1060.

TWEED HOSPITAL AUXILIARY

THE Tweed Hospital Auxiliary held a very successful fashion parade in May. The raffle was drawn at the function and the winners were; First prize E Tingconde ticket No 22198, second prize Helen Cordes ticket No 22366, third prize Judy Dungate ticket No 22365.

The next fundraising event will be the Mini Fete to be held in the Tweed Hospital front car park on Saturday, June 17 from 8am–1pm.

There will be many stalls including cakes, books, pre-loved clothing, remnants, jewellery, craft, plants and more. Come along to the Mini Fete for many bargains supporting the auxiliary. Proceeds go to purchasing equipment for the Tweed Hospital.

TWIN TOWN & DISTRICT GARDEN CLUB

NEXT meeting will be June 19 in the auditorium, at South Tweed Sports Club, 4 Minjungbal Dr, Tweed Heads South. Doors open at 8.30am for benching, plant sales, raffles and much more, meeting starts 10am. Visitors welcome. Phone Monika on 0412 638 373 or email: ttgclub@gmail.com.

Gold Coast

Monday, June 12, 2017 seniorsnews.com.au

Live and let’s save

Items for sale

Ten tips to save and stay warm UPCYCLE NICKY NORMAN NOW that we’ve entered Winter, how long before you surrender to your heater and have to turn it on? Let’s look at ways in which you can save some money on your electricity bill, not just during the cooler months but throughout the year with these simple tips.

1. Buy energy efficient devices and appliances.

Check if there is a label like Energy Star or an energy class label.

2. Avoid the clothes

dryer when you can. Dry your wet items on a clothesline or only dry smaller items and hang out the rest. If you are unable to do this because you don’t have access to a clothesline, try not to overfill the dryer.

3. Turn off the lights when you leave the room.

This is wasting power and your money.

4. Computers can be set up to use the power saving modes. Enable ‘Sleep’ for desktops and ‘Hibernation’ for notebook PCs running Windows. Note that screen savers are not energy savers. Using a screen saver may in fact use more energy than not using one.

5. Change your regular light bulbs to more efficient light bulbs. LED (light-emitting diode) or CFL (compact fluorescent light) bulbs use a lot less electricity and last a long time. They do cost more than regular bulbs so you probably don’t want to change them all at once.

6. Turn off all household appliances like TV’s and computers at the wall, when not being used. You can easily waste hundreds of dollars a year leaving these on.

7. Try to use cold water when using the washing machine. Top or front loader washing powders for cold water are available and clean your

Seniors 37

YOU can submit (one) item each month and write up to 20 words.

Items for sale must not exceed $500.

Post to Gold Coast Seniors Free 4 Sale, PO Box 56, Maroochydore, QLD, 4558 or email free4sale@seniors newspaper.com.au.

clothes efficiently without the hot water costs.

8. Check to see if you can get a better electricity contract with your provider or make payments based on an average monthly cost.

Direct Debit payments or paying online, can sometimes attract a small discount.

9. Grab a blanket, hot water bottle and some warm socks or sleepers in the evening. Only use an electric heater if needed or try a gas heater as an alternative.

10. Using a rug on tiled or timber floors helps to create warmth, also check that windows and doors are sealed.

MOBILE PHONE Dakota 3G Seniors ‘old style’ mobile with keyboard. New. PH: 5577 1815. $45 ono.

Coombabah.

WALKING STICK, alloy, black, height adjust. Has a base plate for four point grounding/stability.

PH: 0412 993 433. $25. Southport.

Make it low & slow SLOW COOK KOREAN SHORT RIBS

Korean Beef Ribs

You can program some of them to cook up to 24 hours in advance, and you can choose the cooking time in 30-minute increments, bear in mind that you will pay for the technology.

Many recipes suggest searing the meat first before braising or tossing it into a stew, which allows more complex flavours to develop. The latest in slow cooking is the ability to sear meat in the slow cooker's container, which

can save time and hassle.

If you're using the right recipes for a slow cooker, regardless of the model you use, your meals should come out piping hot and delicious.

Some of the most delicious meals you can cook are lamb shanks, pulled pork, and soups.

You will be glad you invested in a slow cooker, just make sure you check the different models and brands to purchase the most suitable one for you.

Linking seniors with community information across Queensland 9am to 5pm Monday to Friday www.seniorsenquiryline.com.au

Method Place beef short ribs into the crock and pour over all ingredients, turning to coat the ribs in the mixture. Cook on LOW for 8-10 hours.

Bringing Back Memories Easy Listening From the ‘50s to Today

Tune in to the station that rates number one with Gold Coast homeowners over 45*. Enjoy the hits of ‘50s, ‘60s, ‘70s and today – plus community updates, comprehensive news and talkback programs you won’t want to miss.

Tune in or listen online now!

4CRB | 89.3FM | 4crb.com *Roy Morgan Research, March 2016

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SLOW cookers have come a long way since the ’70s when the first slow cookers were put on the shelves. You can still find the simple slow cooker with a dial that allows you to choose low or high temperatures only, these are very cost effective starting from $20 at supermarkets and large stores but you're going to want to see what's new in these time-saving appliances.

The newer slow cookers now come with digital displays, timers and automatic shut-offs.

Ingredients 4 large beef short ribs 2 tbsp sesame oil 1 tbsp dried chilli flakes 3 cloves garlic, finely chopped 1 medium onion, sliced ½ pear, finely grated ¼ cup brown sugar ¼ cup light soy sauce 1 tbsp sesame seeds, 2 sliced red chillies, 2 green onions, finely sliced to garnish Serve with steamed rice

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CHEAP EATS, NO TRUFFLES CHRISTINE PERKINS

38 Seniors Gold Coast

seniorsnews.com.au Monday, June 12, 2017

To advertise, call 1300 136 181 or visit finda.com.au to view more ads online.

Buy & Sell

Trades & Services

For Sale

Home Services

Men’s Continence Pads

6442634aa

Tip

Molicare Super.

Size medium 8 x 14 - $160 Phone 07 5533 7213

CALL US ON

13 11 98

Motoring

Or 5502 2297 Honest, reliable service at very competitive rates

Caravans & Motor Homes

FOR ANY RESIDENTIAL OR COMMERCIAL SERVICE

CARAVANS WANTED

• Carpenters

• Tilers - Pavers

• Rubbish Removal • Gutter Cleaning • Pest Control • Electricians • Concretors • Cabinet Makers • Plumbers • Handymen • Tree Lopping

All caravans wanted We come to you All areas, Cash today!

• Carpet Cleaners

Phone 3812 3553

• Pergolas • Painters • Appliance Repair • Bricklayers • Plasterers

• Window Cleaners • Water Blasting

All these services plus more from our experienced over 45 service providers

BEWARE OF SCAMS

We would love to provide a worker for you.

Buyers should be cautious when dealing with car sellers that are overseas and should always arrange to view the vehicle prior to the transfer of any money.

We don’t just mow, we care!

Cannot perform building work valued at more than $3300.

Buyers and sellers should be cautious of possible scams when buying or selling a vehicle.

LAWN & GARDEN CARE

Don’t forget to be up front about your vehicle’s make, model and year of manufacture in your ad.

This Motoring tip brought to you by www.finda.com.au

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Be wary if the number in the ad is disconnected.

If the buyer/seller says the number is disconnected because they are overseas, ask for a landline phone number at their current location as well as a mobile phone number.

All contact details of the person buying or selling the car should be verified to ensure they are genuine.

More information is available at scamwatch.gov.au

Make No Bones About the Make.

FOR SICK KIDS While hospital is Ruby’s life, Starlight helps her laugh and play. Because a healthy dose of happiness helps sick kids just be kids. That’s the power of happy.

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Power the Happy for sick kids and see that money can buy happiness.

DONATE NOW starlight.org.au

Seniors News

If you like what you’re reading, why not advertise here?

We’d love to share your stories and promote your business to readers just like you. This is the perfect opportunity to share what your business has to offer to those who are most interested. Don’t miss your chance to reach our readers!

Embracing Ageing

To find out more about advertising in Seniors Gold Coast and online, call media sales consultant Tracy O’Connor on 1300 880 265 or get in touch at

BOOK THIS SPACE!

Like us on

+ Follow us on

News + LifestyLe + HeaLtH + traveL + fiNaNce + reaL estate + eNtertaiNmeNt

6409011ae

tracy.oconnor@seniorsnewspaper.com.au

puzzles

Monday, June 12, 2017 seniorsnews.com.au

JIGGERED

5/6

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 3x3 square fits in with that letter and write in the letters.

You can also shade the black squares if you find it helpful.

After completing the first 3x3 area, work out which square joins on to it, and continue until you have made a complete crossword.

P N R A O A R

T

L E A R D O

I E N T

I S A L

I

J E C

I

T

C O N

N C E R M I

R A T

R A S H U P R

G D U N I M T

E

C A T O

I

C N O E D

M I I S T T A

E M S C I S

T E E N R

D E D O I V I S

S

S S H C K

A T E L A R

B O O P S T A

E G L L O R

R C A C

I G E R I G A

E V E R T

T E D E I R G

B A B L R

V R E A S U

Gold Coast

QUICK CRoSSwoRD

Across 7. Shrewd (6) 8. Frowns (6) 10. Remark (7) 11. Expanse of water (5) 12. Otherwise (4) 13. Packs (5) 17. Fierce (5) 18. Goat cheese (4) 22. Amusement (5) 23. Haste (7) 24. Free of charge (6) 25. Depends (6)

Down 1. Thirsty (7) 2. List one by one (7) 3. Guide (5) 4. Miser (colloq) (7) 5. Possessor (5) 6. Employing (5) 9. Angry (colloq) (7,2) 14. Antiquated (7) 15. Restrains (5,2) 16. West Indian song (7) 19. Picture (5) 20. Die (colloq) (5) 21. Concur (5)

1

2

3

4

7

5

6

15

16

8 9

10

11

12

13 14 17

19

18

20

21

22

TRIO

Seniors 39

23

24

25

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

SUDOKU

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

A T T I E L A R E R C A N O C E N C R A M I S T H E E R I R S A

L N C O N C E D E

ACTED, BOUNCE, CABINET, DRUMBEAT, EAGERNESS.

Good 21 Very Good 29 Excellent 36+

ALPHAGRAMS

A PRIVATE CREMATION

FUNERAL SERVICE E

$1980 includes GST

Pre-Paid Plan Available - No Administration Fees Locally owned by Ben & Emma Little Servicing The Gold Coast to Ballina 24 hour essential service

Call - 1300 678 443

Price from $5,100 includes: • Transfer of deceased • Celebrant / Minister • Memorial book • Quality coffin • Cremation • Floral Tribute • Chapel service • Doctors certificate • Death Certificatee

For a loving farewell .... not an expensive one

Phone 1300 311 747

All areas Brisbane & GC | www.cremationsonly.com.au

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Why pay too mucch?

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✓ Loved one taken into our care 24 hours, 7 days ✓ All required mortuary attention and preservation ✓ Completion of all application and registration forms ✓ Doctor's cremation certificates ✓ Environmentally friendly cardboard coffin ✓ Private transport to crematorium and cremation fee ✓ Death registration and official BDM death certificate ✓ Return of ashes to loved one's family or friends

WORD GO ROUND

I G R I G S S C K E V E T

L N

E D I G I S T A G L L O R V E A S U D N I T

446

H A

CADET NO CUBE NICE BAT MAD BRUTE GREEN SEAS

A T E O R M T I T N E A R R A R T E G U O M

TODAY

T

SUDOKU

JIGGERED D E D I C O I V I S I T E M I S C I E N S S P R R O A J L E C O T L A A R D

F G

L I

How many words of four letters or more can you make? Each letter must be used only 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.

TRIO: MIC

R A H U P B A B R B O P S T

woRD Go RoUND

QUICK CROSSWORD

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

Across: 7. Astute 8. Scowls 10. Comment 11. Ocean 12. Else 13. Gangs 17. Cruel 18. Feta 22. Mirth 23. Urgency 24. Gratis 25. Relies.

Down: 1. Parched 2. Itemise 3. Steer 4. Scrooge 5. Owner 6.

Using 9. Steamed up 14. Archaic 15. Reins in 16. Calypso 19.

Image 20. Croak 21. Agree.

alpHaGRaMS

alight anthill anti faint faith fanlight fiat fight filth flat flight flint flit gait giant gift gilt glint gnat haft halt halting hating hilt hint lath lathing lift light lilt lint night NIGHTFALL tail tall tang than thin thing till ting

M

40 Seniors Gold Coast

seniorsnews.com.au Monday, June 12, 2017

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$280,000

3 Award-winning homes 3 Pets welcome 3 Gated community 3 Convenient location 3 Outstanding resort facilities 3 Country club, bowling green 3 Heated swimming pool and spa 3 No entry fees, no stamp duty 3 No deferred management fees 3 Professional management 3 Caravan & boat storage* (T&C)

Call 1800 785 594 | www.livinggems.com.au 42 QUINZEH CREEK ROAD, LOGAN VILLAGE QLD 4552