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2 Seniors Northern NSW

In this edition

Feature: William McInnes ......................................Page 3 Feature: Financial Literacy ......................Pages 18-19 Travel ................................................................Pages 11-14 Wellbeing .........................................................Pages 16-17 What’s On.................................................... Page 21 Puzzles ....................................................................Page 23

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 “Northern NSW 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 19, 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

seniors

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

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Monday, June 19, 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

INSET: Stars of the telemovie Dangerous Remedy (from left) Maeve Dermody, Jeremy Sims, Susie Porter and William McInnes.

PHOTO: SUPPLIED BY ABC TV PUBLICITY WEBSITE.

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.”

4 Seniors Northern NSW

seniorsnews.com.au Monday, June 19, 2017

Hooray, good news the koala will stay

JOURNALIST YVONNE GARDINER

yvonne.gardiner@apn.com.au

AFTER 15 years as president of Friends of the Koala, Lorraine Vass believes the Aussie icon will survive in the wild, despite the many challenges it faces due to human activities.

Its distribution in the future may be more limited than now but, with an evolutionary history that dates back at least 30 million years, she said the koala is a survivor.

“Galvanising sufficient political will to properly protect and recover our koala populations is problematic but not impossible,” Lorraine

said.

“After all, it was the US Government’s ban on the importation of koala skins in 1930 and the Australian Government’s prohibition on the export of koalas and koala products three years later that helped to ensure koala survival from the horrendous ‘open seasons’ of the previous decade.

“Perhaps even more worrying is the impact of climate change.

“Koalas have very limited capability to adapt to rapid, human-induced climate change.

“They are particularly vulnerable to the effects of elevated CO2 levels on plant nutritional quality and will need to cope with increasingly nutrient-poor and tannin-rich eucalyptus leaves.

“Extreme weather events, higher temperatures, droughts

FURRY FRIENDS: Lorraine Vass is stepping down from the leadership of Friends of the Koala after 15 years. PHOTO: CATHY ADAMS

and bushfires will also take their toll.”

Overall, the koala’s situation in the Northern Rivers remains “fragile”, according to Lorraine.

“The impacts of urbanisation and economically driven activities are increasing so habitat is continually degraded, fragmented and destroyed,” she said.

“On the other hand, people’s awareness has grown.

“Local councils across our region are more involved in koala recovery and there’s more government money, by way of competitive grants, available for on-ground habitat enhancement, community-engagement

and research.”

Lorraine will step down from the leadership of Lismore-based Friends of the Koala on June 30.

“I will continue to mentor for as long as it takes,” she said.

“I’ll also contribute to our advocacy and policy reform work, and continue with a few regional projects in which I’ve been involved.”

Lorraine said habitat destruction must be stopped to give the koala a fighting chance.

“We also need to improve our management of disease in koalas, our driving behaviour and our dogs, not to mention ensuring that logging operations on private and

public land are kept out of high koala use areas,” she said.

“When I started in 2000 we brought into care around 80-100 koalas annually.

“In recent years it’s been over 300 and in the present reporting year the number is nearer to an extraordinary 400 koalas.”

Friends of the Koala operates a 24/7 rescue hotline, responds to rescues, cares for koalas and collects leaf to feed them.

“We also need people to respond quickly to situations where koalas are clearly at risk or if they are unsure whether a koala is okay by ringing

the hotline – (02) 6622 1233 – and lodging koala sightings on our new online sighting tool at www.friendsofthe koala.org,” Lorraine said.

“People don’t have to get involved in animal care – they can plant koala food trees to enhance existing corridors or to provide plantations for harvesting to feed koalas in care.

“There are also opportunities to participate in nursery work, outreach and community education, political advocacy, submission writing, promotion, preparing funding applications, the group’s governance and in many other areas.”

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Monday, June 19, 2017 seniorsnews.com.au

Hearts to light up sky Celebrating a big community heart & spirit Yvonne Gardiner

HUNDREDS of heart-shaped lanterns will light up the night sky in the mesmerisingly beautiful Lismore Lantern Parade on June 24.

The theme for the parade this year is “Our Resilient Heart”, a reference to the community’s recovery from devastating floods in April.

Director Jyllie Jackson said the event would be spectacular and “the first opportunity the community has to come together and celebrate”.

“It’s going to be an interesting year because of floods,” she said.

“There’s a lot of emotion around still. We had three metres of water through our building.

“Most of our lanterns were damaged. We’ve been working our bums off to get things ready.”

Jyllie started the parade 23 years ago, in a small way attracting a few

SURE TO BE A HOOT: One of the enchanting lanterns at the Lismore Lantern Parade, due to brighten up the evening.

hundred people.

The amazing spectacle now draws about 30,000 people.

“We go to the oval, which is a ticketed event, and we do this amazing outdoor spectacular with dancers and the bonfire,” Jyllie said.

“We’re aiming for an 8m

high bonfire. Every year is a bit different.

“Every child who decorates a lantern, it’s different.

“There’ll be something like 300 heart lanterns walking down the street.”

Lismore Lantern Parade is an annual community arts festival held on or

around the longest night of the year, being the Winter Solstice.

It runs from the corner of Market and Molesworth Sts to Oakes Oval, from 5.30-6.30pm.

Many other events during the festival incorporate art, crafts, workshops, regional

cuisine, bands, street theatre, music, carnival dancers, illuminated puppets, fire art and pyrotechnics. An Italian festival is held on the Sunday.

For details, phone 0412 732 102 or email festival@lanternparade. com.

Seniors 5

Winter season of racing now under way TWEED River Jockey Club’s winter program has begun, and will culminate with the running of the 2017 Murwillumbah Cup on Tuesday, August 25.

The club’s chairman Bernie Quinn, in the industry for 46 years and part-owner of three racehorses, has seen many changes in his time.

Prizemoney for a race used to be $1000 in his younger days – now it’s $20,000.

Ownership of a racehorse is accessible to many more race fans, with syndicates of sometimes 20 people, each having a share.

Melbourne Cup Day attracts the biggest annual crowd of about 4500. Three other Northern Rivers jockey clubs operate at Ballina, Casino and Lismore.

“We meet once every three months to work out what’s happening,” Bernie said.

For full story: www.seniorsnews.com.au

6 Seniors Northern NSW

seniorsnews.com.au Monday, June 19, 2017

Great work recognised From little things big things grow

TWO Tweed service groups with humble local beginnings have gone on to become national and even international success stories.

Story Dogs and the Tweed/Byron Life Education Action Group, both launched in the Tweed, were among 13 community organisations presented with funds amounting to $36,908 during Tweed Shire Council’s community sponsorship policy morning tea.

❝

The program

is now worldwide, teaching children to make healthy and safe decisions about their lives.

FRIENDLY FUNDS: Community group representatives and Tweed Shire Council officers celebrate the handing over of more than $36,000.

Tweed/Byron Life Education Action Group spokesman Greg Pile said the service began with a small van, travelling from school to school to educate kids about nutrition and drugs.

“The program is now

worldwide, teaching children to make healthy and safe decisions about their lives,” Greg said.

Similarly, Story Dogs was launched in Murwillumbah in 2009 to help children with reading difficulties, with dog owners volunteering their

— Greg Pile

time and their pets to provide a non-judgemental audience for children to read aloud.

Sponsor manager Agnes Nesci said the program now assisted more than 1000 children in every state of Australia.

She said demand for

Story Dogs also continued to grow in the Tweed and the grant would help buy more picture books for volunteer teams.

The recipients also included the Pottsville-based Beachside Communicare, a small church-based

group which offers poverty relief by providing a food pantry to about 60 low-income families.

Funds also went to: ★ TUA Spinners and Weavers Group ★ Murwillumbah Community Men’s Shed ★ Twin Towns Stamp Club

★ Tweed Patchworkers ★ Uki and South Arm Historical Society ★ Creative Caldera ★ Tweed/Byron Trail Horse Riders Club ★ Tweed Landcare ★ Safer Communities Alliance ★ Murwillumbah Rotary

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seniorsnews.com.au Monday, June 19, 2017

Full steam ahead Yvonne Gardiner

Rob Stanford fires up his steam train ahead of the Tweed Valley Miniature Railway Club’s exhibition day. PHOTO: SCOTT DAVIS

MEMBERS of the Tweed Valley Miniature Railway Club are gearing up for their annual exhibition day.

The club, which was founded in 1994, works with tourist attraction Tropical Fruit World in maintaining its seven-anda-quarter-inch tourist railway as part of the farm experience.

John Drew has been club secretary since

2013.

“Trains have been an interest since childhood, especially steam locomotives, a thing of the past now,” Mr Drew said.

“But one can still enjoy the smell and sound of a real steam locomotive even in a miniature form by being a member of the club, a place where the membership share a common interest in steam and engineering.”

The exhibition day, an annual event since 2014,

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is held at the club site in Tropical Fruit World.

It’s a means of raising funds for the not-for-profit club.

“The exhibition day includes five miniature steam locomotives, plus diesel and petrol-powered locomotives hauling riding cars,” John said.

“Other activities include the use of Tropical Fruit World’s mini golf, sand pit, basketball, flying fox, quoits and playground area plus visits to their fauna park.

“The club will be providing a sausage sizzle, cold drinks, bottled water and fruit juices.”

John says the current membership stands at 25 and the club is always willing to welcome others.

❝

One can still enjoy the smell and sound of a real steam locomotive even in a miniature form...

— John Drew

Exhibition day is Sunday, June 25, from 9am–3pm, at Tropical Fruit World, Duranbah Rd, Duranbah (Cudgen).

Entry is $15, kids under 14 free.

Up-to-date information can be found on the website: www.tvmsr@weebly.com and on Facebook.

CHEERS: Ballina Food and Wine Festival chairman Col Lee looks forward to an exciting event. PHOTO: CATHY ADAMS

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TOURS around local producers, a charity auction, entertainment, cooking demonstrations and wine appreciation talks, all add up to an action-packed weekend when the eighth annual Ballina Food and Wine Festival gets under way.

Committee chairman Col Lee, a past-president of the Rotary Club of Ballina-on-Richmond, is in his fifth year as festival chairman.

He says about 3500 festival-goers will attend the event. “The highlight of the festival would be the diversity and quality of exhibitors,” he said.

Gourmet bus tours are on offer Friday and Saturday, with a gala dinner on the first night at Ballina RSL featuring live entertainment, a charity auction and great local food.

The Sunday Festival at Ballina Jockey Club incorporates cooking demonstrations, wine

appreciation talks and live music, as well as more than 80 exhibitors showcasing local produce and a variety of wine, beer and alcoholic drinks.

Entry to the Sunday Festival is $25 with profits being donated to community groups. It runs from 11am-5pm and is open to those aged 18+ only. Tickets and further details available online.

“The aim is to fund a major local charity that needs assistance,” Col said. This year, funds will go to the community radio station 101.9 Paradise FM. “They’re going to set up a second studio as a training studio,” Col said.

Friday, June 30: Ballina RSL Club.

Friday and Saturday, June 30 – July 1: Taste the Region tours.

Sunday, July 2: Ballina Jockey Club.

For full story: seniorsnews.com.au.

Northern NSW

Monday, June 19, 2017 seniorsnews.com.au

Live and let’s save Make it low & slow CHEAP EATS, NO TRUFFLES CHRISTINE PERKIN 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.

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

Korean Beef Ribs

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.

SLOW COOK KOREAN SHORT RIBS 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 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.

Seniors 9

Tips to stay warm BE THRIFTY AND THRIVE 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 money on your electricity bill, not just during 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 wet items on a clothesline or only dry smaller items and hang out the rest. If you don’t have access to a clothesline, try not to overfill the dryer.

3. Turn off lights when you leave the room. This wastes power and money.

4. Computers can be set up to use the power saving modes. Enable ‘Sleep’ for desktops and ‘Hibernation’ for notebook PCs running Windows.

Screen savers are not energy savers. Using a screen saver may use more energy than not

using one.

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

6. Turn off household appliances like TVs and computers at the wall, when not in use. You can waste hundreds of dollars a year leaving these on.

7. Try to use cold water in the washing machine.

Top or front loader washing powders for cold water are available and clean clothes efficiently without hot water costs.

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

Direct Debit payments or paying online, can 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.

10 Seniors Northern NSW

seniorsnews.com.au Monday, June 19, 2017

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.

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.

Northern NSW

Monday, June 19, 2017 seniorsnews.com.au

Seniors 11

Travel

Top 10 ski resorts THE SNOW will be falling on some of our mountains and that means winter holidays.

Whether you are a top skier or a beginner or you just love to sit back and enjoy the apres ski fun, there is something here for you.

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. Clinics and programs, great slopes and 18 bars and

restaurants. Way to go. ★ Thredbo, NSW The name has been synonymous with Australian skiing for as long as an old Aussie snow-skier can remember. In NSW’s Snowy Mountains, this pretty place has all the hallmarks of an alpine village. Fourteen chairlifts will get you to the top quickly and comfortably. Good retail outlets and plenty of restaurants to keep you content once off the slopes. ★ Mt Buller, Victoria A three hour drive from Melbourne and a popular resort village.

Great downhill runs and good for cross-country skiers. There is also

hiking and mountain bike riding. The Village Square Plaza has free wi-fi and is open from early morning until late. ★ 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 lets you choose from budget to super-fancy. ★ Queenstown, New Zealand Yes, we know it is not in Australia but what would a Top Ten Ski feature be without mentioning this iconic destination across the ditch? The spectacular

beauty of Queenstown is more than worth the three hour flight. With modern chairlifts, big runs, four ski resorts, heart-stopping views and a place known for its cafe society and night-life you have it all – even if you never put on the ski boots. ★ 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.

A massage at the day spa will soothe that thigh-burn and have you ready for the slopes again.

★ 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. The Kosciusko Chalet Hotel or one the 12 lodges? Package deals include lift tickets, hire and group lessons. ★ Mt. Hutt, New Zealand Back over the ditch again, but it’s an easy flight into Christchurch where the mountain range offers magnificent slopes. An hour and a half drive from Christchurch gets you there. Good children’s facilities if you want to

take the grandkids. The nearby town of Methven offers plenty of accommodation in a charming country town environment. ★ Mt Ruapehu, North Island New Zealand Staying over the ditch but 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, four kilometres of slopes, beginners well looked after... that’s a lot to love about a ski resort in the Apple Isle.

12 Seniors Northern NSW

travel

seniorsnews.com.au Monday, June 19, 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.

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

The tours include:

Please callDetails for full of details PTO for all of all upcoming tours upcoming tours.

Travel in style aboard Simes Bros Luxury Coaches.

P: (02) 6621 5416 F: (02) 6622 2225 E: admin@sbcoaches.com.au

www.simesbros.com.au

6482583aa

PORTLAND, ENGLAND: STONEHENGE

ENJOY the rare privilege of slipping past ropes that keep tourists at bay and walking among the towering stones of Stonehenge on the Salisbury Plain of England. Guests will have a full hour to explore, snap photos and take in the majesty of the standing stones.

Available on the port

call at Portland for Seabourn Quest on August 20.

AMALFI, ITALY: EXTRAORDINARY AMALFI COOKING CLASS

CELEBRATE Amalfi traditions and heritage with a hands-on visit to the 13th Century Paper mill that enabled the spread of ancient Amalfi Law. Join Salvatore Aceto, the last in the line of a multi-generational Amalfi lemon farming family, as he retraces his family history. In a family-style outdoor kitchen with spectacular views learn traditional recipes and techniques in a cooking class concluding with a traditional Amalfi lunch and of course the family limoncello. Available on all 2017 port calls to Amalfi for Seabourn Encore (July 7 & 27, August 26, September 25) and Odyssey (June 27, July 25).

VALENCIA, SPAIN: THE SILK EXCHANGE VALENCIA was the final stop on the Silk Road, a stop giving riches to the city in the 15th century.

Today the skilled weavers have vanished and only

one man alive is able to work the 5000-thread loom and produce the last pure velvet of this tradition. A complex process extravagant to witness, this skill will be lost upon his retirement.

Available for the port call to Valencia on Seabourn Encore on September 5.

BARCELONA, SPAIN: THE WORLD OF GAUDI

DISCOVER the famed and brilliant modern architect Antoni Gaudí, who created his most unusual and controversial works in Barcelona.

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

For information: see a licensed travel agent, phone 13 24 02 or www.seabourn.com.

Monday, June 19, 2017 seniorsnews.com.au

travel

Northern NSW

Seniors 13

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14 Seniors Northern NSW

travel

seniorsnews.com.au Monday, June 19, 2017

Dreaming of dolphins Paradise for visitors and locals 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, 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

WILD IN THE WATER: Try dolphin feeding at dusk.

broke dolphin care protocols to feed Echo 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.

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 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

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

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.

Phoenix and Shadow’s children Silhouette and Zephyr have joined the 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 dorsalfins 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 Roger Federer, whose photo with him hangs on the wall of the nearby Marine Education and Conservation Centre.

Echo’s dorsal fin makes 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

Follow the leader riding a quad bike.

visitor is then brought down the beach to feed a fish to their particular dolphin – with resort photographers on standby 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.

PHOTOS: SHIRLEY SINCLAIR

Northern NSW

Monday, June 19, 2017 seniorsnews.com.au

Seniors 15

Living

70s are the happiest time to work

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.

The survey also found those of us in regional and

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

remote areas are happier than our city counterparts.

“People are happier in smaller businesses and working less hours,” Rhonda said, pointing also to the commuting time often involved in city life.

“There could also be something in the hustle and bustle of city life and potentially the greater intensity and competitive nature of big businesses

that means people find work less satisfying in the cities than they do in regional areas.”

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.

“Work is a core component of our existence, our identity, our financial independence, and ultimately, our overall

well-being.”

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.

Diana is working towards a legacy for the future Alison Houston

EVERYONE should have to write their own epitaph at 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 may never enjoy simply because they need the

EMBRACING LIFE: Diana Ryall AM has spent her working life doing jobs she loves.

PHOTO: TIM LUMSDAINE

money.

Others are forced unwillingly out of their jobs due to age or workplace modifications, often due to technological change and redundancy.

She said regardless of your job, it should not define your self-worth and you must have outside interests, whether family,

environmental, sporting or cultural.

“For me, every day is stimulating and inspiring. I love what I do, I just do it a little more slowly now,” Diana laughed.

“One of the things that keeps me young and up-to-date is continuing to work and have that connection with people of

different ages.”

Her interest in gender equality has led her to look at other areas of equality, including the influence of race, disability, age and sexual identification in the workplace.

While Australia has come a long way since she grew up under the White Australia Policy, she said there was no doubt a privilege bias remained towards the young Caucasian male.

“We need to truly embrace flexibility in our workplaces – whether it’s for young mums, dads, people with disabilities or health problems or older people,” Diana said.

She believes “an inclusive workplace

culture would make gender diversity an issue of the past” and lead the way to a happier Australia.

“If I can look at what I’ve achieved and say, I have paved the way and given a hand up to other women to be successful in the future, then that’s my legacy,” Diana said.

Everyone’s legacy to future generations will be different, but whether it’s working for a cause, parents minding grandchildren so their children can go to work, or volunteering at charities and investing time in helping others, Diana said everyone – working or retired – should think about what they are doing to leave Australia, and the world a better place.

16 Seniors Northern NSW

seniorsnews.com.au Monday, June 19, 2017

Wellbeing

Staying warm with indoor exercises Tracey Johnstone

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

PHOTO: IAKOV FILIMONOV

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 suits your fitness and balance.

■ Dancing Find a clear, level space in your lounge or even in the garage, turn on your

SPECIAL OFFER FOR PENSIONERS With home services for as little as $10* a week, you’d be laughing too!

For example, you could enjoy 1 hour of house cleaning each week, half hour of lawn mowing a fortnight, and a 2 hour spring clean every 3 months.

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

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.

No Gap Eye Surgery At The Eye Care Clinic, our eye surgeons and specialists care enough to see you as people, not just as someone with a problem. Dr. Svoboda and Dr. Lamont personally see you all the way through your procedure - right from the first visit till they are totally satisfied all is well.

Nor does this high level of care mean that you are charged an arm and a leg. We actively work to keep the costs as low as possible, and provide services including age related macular degeneration, cataract surgery, glaucoma, lid tumours, diabetic eye disease, iritis, laser surgery, dry eyes and lid malpositions. Those who are insured also enjoy the cost saving benefit of our No Gap Policy.

What’s more, there’s no need to travel out of the local area for the actual surgery as our surgeons operate in Tweed Heads.

When you want someone that takes a sight better care of both you and your health, ask for The Eye Care Clinic. You’ll see we really do care.

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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.

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.

■ 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.

Tips to help fight the winter blues

Dr Meon Lamont

hyperbaric oxygen therapy treats • Diabetic ulcers (prevention of amputation)

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wellbeing

Monday, June 19, 2017 seniorsnews.com.au

Northern NSW

Seniors 17

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

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

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■ 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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18 Seniors Northern NSW

seniorsnews.com.au Monday, June 19, 2017

FINANCIAL LITERACY FEATURE

Are tax returns really 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? Andrew Heaven, an AMP financial planner at WealthPartners Financial Solutions, answers a question on Age Pension tax offset.

A: Retirees who are eligible for the Seniors and Age Pensioners Tax offset (SAPTO) 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 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: ★ 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

❝

Processing of the refund typically takes two weeks for online or phone claims.

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 in Australian dollars ★ 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 in Australian dollars.

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, via www.my.gov.au, complete a paper form and submit the records over the phone or via post direct to the ATO in your capital city.

Applications forms for the 2017 tax year will be available after June 30.

Processing of the refund typically takes two weeks for online or phone claims. Paper based

WEALTH SOLUTIONS: AMP Financial Planner Andrew Heaven, can help answer your questions.

applications will take up to 50 days to process.

Visit www.ato.gov.au for further information or phone the ATO on 132 865.

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

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

objectives, financial situation and needs.

For information from Wealth Partners visit the website www.wealth partners.net.au.

A money management tool to help you navigate your way 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.

ONLINE HELP: ANZ’s Money Minded website has been created to help you build your skills, knowledge and confidence.

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 types of 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.

Ms Commandeur said all the information entered into an activity remains confidential and contained within Money Minded.

Once a person has completed the Money Minded activities, and depending on each person’s situation, the next step may be for them to talk to a financial advisor at their own bank.

For more information, visit the website www.moneyminded. com.au.

Northern NSW

Monday, June 19, 2017 seniorsnews.com.au

Seniors 19

FINANCIAL LITERACY FEATURE

Steps to protect SMSF 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 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.

Seek advice from your Accountant and your financial planner now.

Ensure you comply with the changes and ensure you have all your valuations, reporting and documentation up to date.

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, objectives, financial situation and needs.

For more information from Wealth Partners, visit www.wealthpartners. net.au.

THINK MONEY PAUL CLITHEROE IF YOU own shares you probably enjoy receiving regular dividend income.

However, if you don’t rely on those dividends for cash to live on, one way to get more value from the money is through a dividend reinvestment plan.

Dividends represent the slice of a company’s annual profit that’s paid out to shareholders, and in the case of some of our best known listed companies, dividend yields can be impressive.

This year for instance, Commonwealth Bank shares delivered a dividend yield of 4.85%, Telstra 7.28% and Wesfarmers 4.57%. That’s considerably higher than the return you could earn on cash savings.

Strong yields are only part of the picture.

Dividends are also lightly taxed.

Shareholders are

credited for company tax paid on the profits that dividends are paid out of.

Even low income earners can benefit with the potential to receive a tax refund for unused franking credits.

If dividends don’t play an essential role in your household income, it’s possible to reinvest the money through a dividend reinvestment plan (DRP).

Instead of receiving a cash payment, the dividend is exchanged for additional shares, typically at the market value applying on the date the dividend is paid.

A number of Australia’s largest companies offer DRPs including Telstra, NAB, IAG, Suncorp, AMP, Origin Energy and Rio Tinto, and there can be advantages to using dividends this way. There can be downsides as well.

To read the full story, visit seniorsnews.com.au.

Paul Clitheroe is a founding director of ipac, chair of the Australian Government Financial Literacy Board and chief commentator for Money Magazine.

THE KING OF TALKBACK RADIO JOHN LAWS ON 2HC AND 2GF With over sixty years of commercial broadcast experience, John Laws asks the hard questions – and cuts through the political spin. For unmissable news, information, entertainment and talkback, Australia relies on John Laws.

Don’t miss the host who calls it like he sees it.

Listen every weekday from 9am – midday.

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

Q. I have a selfmanaged super fund (SMSF) 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 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

Shares and dividends

20 Seniors Northern NSW

seniorsnews.com.au Monday, June 19, 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 July 5. Email Nicky or Chris at communitynotes@ seniorsnewspaper.com.au

TWIN TOWNS MASTERS SWIMMING CLUB

WE ARE recruiting for more members and, believe it or not, the water temperature is wonderful.

We swim at the beautiful Club Banora Oasis heated 50-metre pool.

Tuesdays, Thursdays and Saturdays we meet for training sessions 9.30–11am, in this heated outdoor complex, followed by the good old cuppa and biscuit, Our training is supervised by an accredited coach who is conversant with all strokes. If you can swim at least 50m unaided and would like to improve your fitness, our Masters Swim Club could be your salvation to a long and healthy life.

The age groups are from 18 years to seniors.

Social activities are well catered for. Phone Freda on 5524 1357.

GIVE WASTE A SECOND CHANCE

ABC DECLARED a War on Waste with their recent television series, and Ballina Shire Council has been doing its bit to make a difference. To reduce waste going to landfill, the council is delivering free resource recovery satchels to homes across the shire. The satchels can be used to recycle a range of household items that require specialist recycling, such as batteries, printer cartridges, mobile phones and X-rays.

The best thing about these satchels is how simple they are to use.

You just fill it up, seal it and place it in your recycling bin. Details call Council on 6686 4444 or visit: www.ballina.nsw. gov.au (search waste recovery satchel).

CHIP ‘N’ CHECK YOUR PET THIS MONTH

LOSING your furry friend is tough but Ballina Shire Council’s Chip ‘n’ Check initiative will help lost pets get home safe. The council program offers free cat and dog microchipping at the Ballina Animal Shelter, 59 Piper Dr, North Ballina, on Saturday, June 24, 9am–1pm, along with $50 desexing vouchers that can be redeemed at participating veterinaries.

To take advantage of Council’s Chip ‘n’ Check program, book your pet’s microchip appointment by calling the council on 6686 1210. spaces are limited and bookings are essential (one pet per household). The first 100 people who come along to the Chip ‘n’ Check days will receive a $50 desexing voucher.

RICHMOND LODGE FETE

COME one, come all to Richmond Lodge, Casino.

See the chocolate wheel spin, grab a snag from the barbecue for breakfast, tap your feet to the tunes, that will be playing until noon but be early for some home-made cake and slice, because they’re scrumptious. Plus lots and lots of other things, all made specially for this fete. Remember the address and circle the date, July 29,for the Richmond Lodge fete.

Location: Richmond Lodge Aged Care, 67 Barker St, Casino, from 8am–noon or when the fun stops.

LADIES’ BREAKFAST

WILL BE held at St Cuthbert’s Anglican Church on the corner of Florence and Powell sts, Tweed Heads, on Saturday, July 1, from 8.30am. Always a happy and enjoyable morning with great guest speakers.

Cost $10. Book your spot by calling Desley on 07 5513 1475 or church office 07 5536 1060.

LISMORE GRUMPY OLD SENIORS

WE MEET Fridays at 10.30am at Lismore Workers Club. Great morning coffee ‘n chat, tri-onimoes and scrabble.

Phone Leah on 6624 3216.

U3A TWIN TOWNS

WE HOLD laughter yoga

others at bookstores and libraries as well as conducting publishing workshops for adults.

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

VIEW CLUBS DAY OF MYSTERY CELEBRATIONS: (from left) Kathie Diskin (national councillor), Inspector Poirot (aka Rosie McDermott, zone councillor) Justine Elliott (MP for Richmond) and Patricia Rogers (Twin Towns Day VIEW president).

■ CURRUMBINELANORA

MEMBERS of Currumbin Elanora View Club taking part in a fashion parade held at their monthly meeting. The club supports the Smith Family Learning for Life Program.

Like to be part of this fun Club? Phone Pam on 07 5576 7989.

■ CASINO

Some of the happy members of the Twin Towns Masters Swimming Club, following a training session.

classes on Mondays at 11am, at 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.

PALM CREATIVE STITCHERS

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 07 5527 7197 or 0408 605 327 for more information.

50 AND OVER SENIORS

COOLANGATTA Senior Citizens Centre 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 07 5536 4050 or visit the centre at 2 Gerrard St, Coolangatta.

PROBUS CLUBS ■ KINGSCLIFF MIXED

WE HOLD meetings at the Kingscliff Beach and Bowls Club on the first Wednesday of each month at 10am and outings on the third Wednesday of the month. Visitors are very welcome. Phone Norma on 6676 3360.

■ 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

OUR monthly lunch meetings are held on the second Thursday of each month at 11am at the Casino RSM Club.

Following lunch we have a variety of guest speakers who cover many topics. New members and guests are always welcome to join in fun and fellowship.

We have a wonderful group of ladies who donate items such as clothing, reading mats and toiletries that are directed to local Foster Care Groups, making life a little more pleasant for the children at that difficult time in their lives.

Last month more than $1200 worth of goods was donated to this cause. The elderly are not forgotten. Numerous blankets and knee rugs are made annually for the local aged care facilities.

The local oncology unit over the years has been grateful for the many turbans and beanies made by our girls.

Anyone interested in our work are urged to phone Jean on 6662 1298 or Barbara on 6661 2530 for more information.

■ TWIN TOWNS DAY

RECENTLYy members of our club celebrated the club’s 49th birthday with the theme A Day of Mystery. Special guests included the Federal Member for Richmond Justine Elliott, local Tweed Shire councillor Reece Byrnes, VIEW national councillor Kathie Diskin and VIEW zone councillor Rosie McDermott. The ladies of VIEW enjoyed a delicious lunch and were

well entertained by the talented Romain.

VIEW is about women; women’s voices, interests and education. It is also about meeting up with old friends and welcoming and making new ones.

Club meets at the South Tweed Sports Club on the first Thursday of each month. Each month we have something interesting and entertaining while we enjoy lunch; perhaps a guest speaker or an entertainer or even a fashion parade. Phone Freda on 07 5524 1357.

WHAT’S ON IN TWEED LIBRARIES

TECH Savvy Seniors – Introduction to Smart Phones. These free two-hour sessions introduce seniors to the smart phone and its many uses. Aimed at beginners.

Learn with a friend. Places limited and bookings essential.

Tuesday, June 20 – Murwillumbah library on 6670 2427; Friday, June 23 – Kingscliff library on 6674 1607; Thursday, June 29 – Tweed Heads on 07 5569 3150; Friday, June 30 – Kingscliff library on 6674 1607.

Tech Savvy Seniors – Cybersafety – keep yourself safe online.

Tuesday, July 18 – Murwillumbah library on 6670 2427; Friday, July 21 – Kingscliff Library on 6674 1607.

Celebrate Refugee Week Thursday, June 22, at Murwillumbah library.

Free Henna painting and hair braiding for attendees with guest speakers from Sudan and Eritrea Gilles Forget presenting Refugee Fathers.

Coffee ceremony and injera bread from Eritrea 5–5.30pm, 5.30–6.30pm.

Open session, phone Murwillumbah library on 6670 2427 to secure your place for this fun evening.

TWIN TOWN AND 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 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.

Northern NSW

Monday, June 19, 2017 seniorsnews.com.au

What’s on yvonne.gardiner@apn.com.au

JUNE 30–JULY 2

THE 8th annual Ballina Food and Wine Festival will be held at the Ballina Jockey Club on Sunday, July 2. The weekend event starts on Friday, June 30, with bus tours of local producers running on both Friday and Saturday. A gala dinner will be held at Ballina RSL Friday night with live entertainers, a charity auction and great local food. The Sunday festival itself incorporates cooking demonstrations, wine appreciation talks and live music as well as 80 exhibitors showcasing local produce and a variety of wine, beer and alcoholic beverages. Entry to the Sunday festival is $25 with profits being donated to local community organisations.

It runs from 11am–5pm and is an 18+ event only.

Tickets and further details: www.ballinafoodand wine.com.au.

JUNE 30–JULY 1

NORPA presents an Ilbijerri Theatre Company and Belvoir production, a definitive story about indigenous history from 7.30pm at Lismore City Hall theatre, 1 Bounty St. Coranderrk is about what might have been. At a Victorian Parliamentary Inquiry in 1881, the men and women of the Coranderrk Aboriginal Reserve went head-to-head with the Aboriginal Protection Board. Their goal was both

JULY 1

THE Elton John Experience takes you on a musical journey of more than 40 years of one of the world’s greatest song-writing partnerships of all time, between Elton John and Bernie Taupin. Covering iconic hits from The Goodbye Yellow Brick Road Album, and all major hits from the 1970s, 1980s, 1990s and through to today. With impressive costumes, production and video backdrops, this production replicates as closely as possible the experience of an Elton John concert today, highlighting the showmanship, virtuosic piano playing and crowd engagement that you would expect from this iconic performer. Ballina RSL Club, 240 River St, Ballina, 6.30–10.30pm, Cost $54.90. Details email vicki.veitch@ballinarsl. com.au.

JULY 7–26

EXPERIENCED Landscapes is the result of a painting-led inquiry that investigates the diversity of environments around regional NSW, and involved journeying to Tenterfield, Tamworth, Hill End, Bathurst, and Nymboida. Emily Imeson

STILL STANDING: The Elton John Experience will take you on a journey of over 40 years of music at the Ballina RSL on July 1.

is the recipient of an Arts NSW Young Regional Artist Scholarship, enabling her to explore regional NSW landscapes and connect with established artists and art foundations. Open 10am–4pm at the Lone Goat Gallery, 28 Lawson St, Byron Bay. Cost free.

Details www.lonegoatgallery.com.

JULY 8

OUR travelling band of intrepid funny-makers is taking over Australia, one town at a time, with the Melbourne International Comedy Festival Roadshow. Join a rotating cast of the finest local and international comedy talents for an evening of comedy like no other, hand-picked to bring the biggest and best belly laughs to audiences from Mildura to Mackay, Devonport to Dubbo. It’s silly, it’s satirical, it’s side-splitting. It’s Australia’s ultimate comedy road trip. Runs 7.30–10.20pm at Ballina

RSL bowling club, 240 River St, Ballina. Adults $35. Details email vicki.veitch@ballinarsl. com.au.

JULY 7–9

THE 10TH annual Airing of the Quilts will be held at Crawford House Museum, 10 Wardell Rd, Alstonville.

The exhibition will feature quilts from the Plateau and surrounding area.

Shiralee Stitches and the Richmond Valley Woodcrafters will be in attendance. Heritagelisted Crawford House was built in 1911 for William Ambrose Crawford and his wife Olive and is managed

by Alstonville Plateau Historical Society who have lovingly restored the interior. Open Friday, Saturday 10am–4pm, and Sunday 10am–3pm. Entry cost $7 includes light refreshment. Under 12 free. Details Jan 0423 322 064.

JULY 15

USE recycled office waste, raw cotton from Wee Waa

cotton industry, flowers and colour to make beautiful stationery.

In this class you will learn how to prepare your pulp, pull sheets of paper, press and dry them. You will also learn how to add seeds for gift tags or try embossing your wet paper and find out about natural sizing ingredients to enhance the paper’s quality.

The ideas for using the paper you make is endless.

Practical and fun, this class is a chance to get creative and best of all, keep it green by recycling.

At Work-Shop Northern Rivers, Lismore Art Space, 1 Norris St, Lismore, 10am–1pm.

Cost $75. Details Joanna on 0424 929 393.

JULY 16

NRSO proudly presents From The New World charity concert, conducted

by Dr. Warwick Potter. In this concert, the NRSO is delighted to assist the Tweed Palliative Support, an inclusive cancer support and palliative care charity that has recently opened NSW’s only adults’ community hospice, Wedgetail Retreat. Under the expert baton of conductor Warwick Potter, audience will be entertained with a delightful program.

On Sunday, July 16, at 2.30pm, Tweed Heads Civic Centre, Brett St, Tweed Heads.

To purchase tickets: Visa or Mastercard, phone 0466 819 154 or contact Murwillumbah Music: 6672 5404. Tickets (cash-only) available at the Tweed Heads Civic Centre Box Office from July 10-14, 10am–3pm.

JULY 21-23

SPLENDOUR In the Grass is an annual music and arts festival. As well as the latest and best in music from Australia and overseas, the festival also features local arts and crafts and cuisine. The 17th annual Splendour in the Grass Music and Arts Festival will once again bring the bands to the Bay as more than 100 of the most exciting acts touring the planet right now grace The Amphitheatre, Mix Up, GW McLennan and Tiny Dancer stages. North Byron Parklands, 126 Tweed Valley Way, Wooyung 9am–midnight.

Three-day event ticket – $385 plus $7 booking fee per ticket. Single day event ticket (Friday or Saturday or Sunday) $169 plus $6 booking fee per ticket. www.splendourin thegrass.com.au.

JULY 22

THE Combined Rotary Clubs of Lismore committee has collaborated with the Lismore Symphony Concert Orchestra to present an opera concert with a difference, A Symphony of Opera. The concert will feature four opera singers accompanied by the orchestra conducted by world-renowned composer, conductor and pianist Nicholas Routley.

Don’t delay in securing your tickets for this fabulous concert as seats are limited. At Southern Cross University, 1 Military Rd East, Lismore, 4.30–7pm. Cost $65 including drinks and canapes before the concert. Details: phone Gae Ferris on 0412 742 095 or email: gaef1@optusnet.com.au.

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JOURNALIST YVONNE GARDINER

simple and revolutionary to be allowed to continue the brilliant experiment in self-determination they had pioneered for themselves on the scrap of country left to them.

The show recreates the inquiry. NORPA is a leading regional theatre company. Cost $20–55.

Details call 1300 066 772 or email info@norpa.org.au.

Seniors 21

22 Seniors Northern NSW

seniorsnews.com.au Monday, June 19, 2017

Talk ‘n’ thoughts Hurdles, highjumps and solutions

HAVE YOUR SAY: Email editor@seniorsnewspaper.com.au or go online to www.seniorsnews.com.au.

Economic abusers

Share your thoughts

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

Gail Forrer

HERE’S one woman’s story, which I’m sure will resonate with many other homeless woman. Janet (not her real name) was separated in 2001 when she met her future partner. She is now early 60s. 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 school fees and elocution lessons.

In return, he had housed and practically clothed her since first receiving pay from his first job.

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) many years before and he basically led a single life.

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

All was 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

IT COULD HAPPEN TO ANYONE - One womans’s story of economic abuse.

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 mortgage – the money would pay for about a quarter of the mortgage.

He promised to include

WHAT IS ECONOMIC ABUSE?

Economic abuse is a hidden form of intimate partner abuse.

Victims are often unaware it is happening – until they are in the process of separation and divorce, or are experiencing severe financial stress.

Emotional abuse occurs between intimate

partners when one controls or manipulates the other person’s access to finances, assets and decision-making to create dependence and control.

It is a powerful abuse tactic, which leaves victims financially incapacitated – a major reason why people don’t

leave abusive or violent relationships.

Economic abuse is recognised as a form of family violence in law in Victoria, South Australia, Tasmania and the Northern Territory.

(This definition has been sourced from: http://theconversation. com/revealed-the-hidden-

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 problem-of-economicabuse-in-australia73764)

THE DATA

The Australian Bureau of Statistics interviewed 17,050 women and men in Australia in 2012 about their experiences of violence in the community and in their homes.

For the first time, data

PHOTO: PAUL VASARHELYI

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

The report on The Conversation noted the ABS did ask respondents if tactics were used to “prevent or control your behaviour with the intent to cause you emotional included items that measured economic abuse, but these were hidden in the emotional abuse statistics.

The ABS defined economic abuse when a partner: ■ Stopped or tried to stop you knowing about or having access to household money ■ Stopped or tried to stop you from earning

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.

The report said 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.

If you think elder abuse might be affecting you or someone you know visit www.qld.gov.au/noexcuse forelderabuse or phone 1300 651 192 for help. money, or studying ■ Deprived you of necessities (like food, shelter, sleep, assistive aids) ■ Damaged, destroyed or stolen any of your property (Source: http://the conversation.com/ revealed-the-hiddenproblem-of-economicabuse-in-australia73764)

puzzles

Monday, June 19, 2017 seniorsnews.com.au

JIGGERED

19/6

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.

V E C A T R

T A L R

I L

U R O V A U

A S H K G I S

T I F

T S P O U F

Y H O G N

T C H R A I O N

O T A A

N E D O N E

E A T E L V

H J O U E N

A L N

A B S N S Y C

M A U P T H E

S A O T E L

E N T C O H E

S C A R B A R

S M K E L E

M A L T B E A

T A

B A R L A T

E S R O T I E

U A T H P A

I R N A L

I

O P

D Y

I

I

N E D

Northern NSW

QUICK CRoSSwoRD

Across 6. Fasten (6) 7. Senility (6) 10. Unceasing (7) 11. Part (5) 12. Coloured (4) 13. Expertise (5) 16. People used by others (5) 17. Modify (4) 20. Large area of land (5) 21. Beyond (Scot) (7) 22. Leave (6) 23. Cake (6)

Down 1. Timid (5-7) 2. Scrawny (7) 3. Severe (5) 4. Put together (7) 5. Strides (5) 8. Last possible moment (8,4) 9. Already claimed (6,3) 14. Portable light (7) 15. Suitor (7) 18. Glad (5) 19. Wander off (5)

1

2

3

4

6

5

7

8

9 10

11

12

13 14

15

16

17

18

19

20

TRIO

Seniors 23

21

22

23

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.

H A N D Y

HINGE, ITCHES, JOSTLED, KINDNESS, LACERATE.

Good 12 Very Good 16 Excellent 20+

R U D E E R R S P E A L

I N G R O E E R N

A L V E OW WD R A R E

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

L O E R A B

7 lEttERS BEATING FLANNEL LOBSTER WESTERN

QUIZ

P F E L A S A R A L E N M A N B S T E R L A A W A T E S E A W E L L O B R T N U E S E G N E

6 lEttERS OSPREY PSALMS SHREWD STOLEN TAMPER TEMPLE TSETSE UNWELL

1. Before Canberra, which city was the capital of Australia until 1927?

2. Pâté de foie gras is made from the liver of which creature?

3. What does a herpetologist study – reptiles and amphibians, sexually transmitted diseases, or the seeds of plants?

4. Who duetted with Peter Gabriel on “Don’t Give Up”?

5. Which popular board game gets its name from the Latin for ‘I play’?

6. Don Adams played Agent 86 in which TV comedy series?

7. Until its division in the 1990s, what was the capital of Yugoslavia?

8. What nationality was Georges Remi, who wrote the Tintin stories under the name Herge?

A L T O

5 lEttERS ABATE ALONE DYING EGEST

QUIZ

R I O T

4 lEttERS AILS ALTO AVOW DANE ELSE ERRS EVES LARD LEWD NOVA ORAL PEAL PERU PROW RARE RIOT ROTA RUDE SAVE SORT USED

WARS WRAP WREN

W A R S

SPA TIE

WORDFIT

Solution opposite

3 lEttERS APE ARE BAA BUG EAR EAT EEL EGG ERA FEE GEN HID IRE LAB LAG LEA MAN NOR NUN OBI ORB RAW ROE SEA

1 Melbourne, 2 Goose, 3 Reptiles and amphibians, 4 Kate Bush, 5 Ludo, 6 Get Smart, 7 Belgrade, 8 Belgian.

Fit the words into the grid to create a finished crossword

ALPHAGRAMS

woRDFIt

WORD GO ROUND

TRIO: GLO

V S

H A S T E N E D

450

I C

NEIGH ETHICS SOLD JET SENDS INK CLEAR TEA

B A T C R R L A T I O I A R N A L L N E N T U C O A T H E P O E T A R O I A I S A T I O T I E L F

TODAY

I

SUDOKU

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

I M

T E

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.

JIGGERED

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

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: 6. Attach 7. Dotage 10. Nonstop 11. Piece 12. Hued 13.

Skill 16. Pawns 17. Edit 20. Tract 21. Outwith 22. Depart 23.

Gateau.

Down: 1. Faint-hearted 2. Stunted 3. Acute 4. Compile 5. Paces 8. Eleventh hour 9. Spoken for 14. Lantern 15. Admirer 18.

Happy 19. Stray.

alpHaGRaMS

cite cites civet emit emits evict evicts ices iciest item mice mist mite semi site smite ties time times vice victim VICTIMISE vies visit

V

24 Seniors Northern NSW

seniorsnews.com.au Monday, June 19, 2017

WHAT’S ON AT

SEAGULLS

JUN JUL 2017

NOW AVAILABLE @ STAR BUFFET A NEW and HEALTHY addition to our fantastic buffet.

OPEN 7 DAYS FOR LUNCH & DINNER.

PART Y On

FridayS FIREWORKS EXTRAVAGANZA!

SAVE THE DATE SATURDAY 5TH AUGUST Join us for a fun-filled event for the whole family!

$2,000

each night! n o w e b o t in cash

10 lucky members

will battle it out playing our party video challenge.

Friday nights from 7pm.

COMEDY STUNT SHOW | GLADIATOR DUEL | MAGICAL PONIES PIGGABEEN MARKET STALLS | JUMPING CASTLE | FACE PAINTING | LIVE MUSIC

WWW.SEAGULLSCLUB.COM.AU

Promotion commences Monday 5th June and ends Friday 28th July 2017.

Terms and conditions available from reception. Authorised under NSW permit number LTPS/17/13668