Northern NSW, October-November 2016

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Australia’s beloved soul diva rocks on in her latest stage shows.

HIGH-energy shows Velvet and Disco Inferno both hark back to the decade that benchmarked the Marcia Hines story.

The shows feature Marcia at her timeless, dynamic best, belting out It’s Raining Men with the same magnetism that mesmerised thousands of people in her awe-inspiring role as a black Mary Magdalene in Jesus Christ Superstar.

“The ’70s shows are great,” Marcia said.

“It’s the disco era – there’s plenty of bad clothes, bad hairstyles and it makes everyone happy.”

Marcia Hines, the magnificent voice, the bold personality, is good humoured and gracious. \ STORY PAGE 4

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2 Seniors Northern NSW

seniorsnews.com.au Monday, October 17, 2016

In this edition

All things grand

Rainbow Dragons..........................................Page 3 Live & Let’s Save...................................Pages 8 & 9 Finance......................................................Page 18 Travel............................... ...................Pages 20-22 Book Reviews..................................... ........Page 27

Contact us Editor Gail Forrer gail.forrer@seniorsnewspaper.com.au Advertising Manager Kristie Waite Kristie.waite@seniorsnewspaper.com.au

FROM THE EDITOR’S DESK GAIL FORRER Group editor Seniors Newspapers network

A COUPLE of things this month, Grandparent’s day and the Brangelina split, inspired me to think about grandparents, my own experience and others.

In the wake of the announcement of the Pitt/Jolie split which includes news of Angelina having sole physical rights and Brad settling for visitation rights, one wonders how the grandparents will fare.

Perhaps, the grandparent role has been sorted, perhaps not.

We’ve seen pictures of his parents, who appear to look like any other loving parents/grandparents. No doubt, they have their own thoughts on the split.

But that’s the point, their son has made the split. Grandparents don’t make the split, they live with it the best they can.

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 $36.30 for one year (11 editions) including GST and postage anywhere in Australia. Please call our circulations services on 1300 361 604 and quote “Northern NSW Seniors Newspaper”.

Published monthly and distributed FREE across the Sunshine Coast. Also publishers of Gold Coast Seniors Newspaper, Brisbane Seniors Newspaper, Toowoomba and Darling Downs Seniors Newspaper, Wide Bay Seniors, and Northern Rivers Seniors Newspaper.

Published by ARM Specialist Media Pty Ltd (ABN 73 064 061 794). Printed by APN Print, Yandina.

Opinions expressed by contributors to Seniors Newspapers are no necessarily those of the editor or the owner/publisher and publication of advertisements implies no endoresement by the owner/publisher.

Angelina’s father Jon Voight, who has been quoted as saying that he loves the kids, is also part of the extended family equation.

In the best scenario, life goes on and grandchildren and grandparents continue to establish their own unique relationship.

There is something so special about being a grandparent. I watched as my mother fell love with her first grandchild. She was a mother of five, and her youngest child was just 12 when I became pregnant, so unsurprisingly she received the news with the profound sigh of someone who had really enough of children. Nevertheless, she was unfailingly loving and supportive during my pregnancy, but her natural cheekiness spurted the truth when she purchased a pair of baby’s pilchers which bore the message: “"If lost don’t come to grandmother.”

I got the message and understood. She stayed cleared of me for three weeks after the birth of my daughter. That is, until I

made a tired and desperate call for her to come and help me. Of course, she came immediately, picked up the tiny baby and for the next 30 years, metaphorically never put her down. They developed an extraordinarily close bond, and the precedent held for her next 11 grandchildren.

History repeated itself with my own grandchild.

While I was delighted to hear of a new family member, I was seriously involved in my job and my own life and wondered how much time I had to spare.

I wondered if I could be as good a grandmother as my own mother – who had been a stay at home mum.

Despite these worries, the magic happened all over again. An interstate phone call around 6.30pm from my son-in-law delivered the news of one healthy little girl born in the city of Melbourne, country of Australia. I woke about 3am the next morning and wrote a poem devoted to her. I

was amazed at this soul that had entered through my own maternal line.

Three years later, the family moved closer to me and I see my granddaughter on a daily basis. I constantly share with other grandparents the unparalleled joy of our offspring.

So it is with sadness, that I think of any grandparent or grandchild denied the privilege of this relationship because of adult children’s marriage split-up. The link is so vital The Family Law Act acknowledges the importance of this relationship.

The Act does not give an automatic right as a grandparent to see a grandchild, but grandchildren do have a right to see you, if that is in their best interests. And you do a have a right to have your relationship and role in the child’s life considered by a court that is making decisions about what future care and living arrangements would be best for the child Info:www.community law.org.au

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The award first presented in 1957, helps to support authors and to foster uniquely Australian literature. Miles Franklin believed that: “Without an indigenous literature, people can remain alien in their own soil.” She also had first-hand experience of struggling to make a living as a writer and was the beneficiary of two literary prizes herself.

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Northern NSW

Monday, October 17, 2016 seniorsnews.com.au

Seniors 3

Age is definitely no barrier to these brave ladies in their 60s and 70s

Paddling for health and happiness

By Jan Richards

THE message was loud and clear, breast cancer survivors 68-year-old Angela Smith and 73-year-old Chris Smith give dragon boating the thumbs-up for a happy healthy life post-cancer.

Both are members of Rainbow Dragons Abreast Byron Bay/Lennox Head, and both are out there on the water every week paddling for their health, and loving it.

But they’re not just building muscle and heart strength, they’re also building personal bonds and adding stamps to their Visas.

Chris has been dragon boating for four years, following breast cancer treatment, and trains three or four times a week.

She says it’s good for her upper body strength and has “given me a new lease on life”.

“I feel a lot younger than I am.”

❝

For someone who had not been involved in sport in any way it has been quite remarkable.

— Breast cancer survivor Angela Smith She’s training for the Pan Pacs in November on the Gold Coast, putting in hours in the gym as well as in the boat.

Chris said, “especially at our age, you think you can’t do it, but once you do it does get you in.

When I first started I had to stop all the time, now I do it no trouble at all.”

Angela has a similar story.

“For someone who had not been involved in sport in any way it has been quite remarkable.”

Both talk about the benefits of being part of a group of people who have

been through the same things.

Angela says “everyone is very supportive, very happy, we don’t take things too seriously”.

“But if some are wanting to go to a particular regatta they can get as serious as they want, or you can just come along every Sunday and have a paddle.”

They travel to competitions throughout Australia, and two years ago the team went to Florida where they won a gold medal.

They are already registered for the four yearly International Dragon Boat Regatta in Florence.

Back at home, there’s always the reality of the reason they’re on the water.

“If we lose someone we put flowers on water and all get together,” Chris said.

For more information, go to www.rainbowdragons.com

PADDLING FOR HEALTH: Rainbow Dragon Angela Smith and supporter Mollie Strong.

PHOTO: CONTRIBUTED

The healthy effects of safe, vigorous exercise RAINBOW Dragons Abreast (RDA) are breast cancer survivors who have chosen to take responsibility for their health, well-being and fitness through participation in the sport of dragon boating.

Members find paddling enhances their physical

and emotional well-being within a context of caring companionship.

Members enjoy the challenge, friendship and exercise component of paddling regardless of age, fitness level, cultural background and interests.

Breast cancer survivors (male or female) are

encouraged to live an active and adventurous life.

Long-term survivors may be able to provide guidance and support for new members who are on the breast cancer journey, allowing the survivor to have more confidence in dealing with issues that

may arise in getting back to good health.

Since the clubs’ inception members have won trophies in local, state, interstate, national and international regattas. For more information, visit: www.rainbow dragons. com.au

❝

Breast cancer survivors (male or female) are encouraged to live an active and adventurous life despite the physical limitation imposed by breast cancer surgery and treatment.

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seniorsnews.com.au Monday, October 17, 2016

MARCIA HINES

Still our disco diva Gail Forrer

SUPER, 60 and back to the ’70s. Australia’s beloved soul diva rocks on in her latest stage shows.

High-energy shows Disco Inferno and the Retro Music Cruise both hark back to the decade that benchmarked the Marcia Hines story.

The shows feature

Marcia at her timeless, dynamic best, belting out It’s Raining Men with the same emotion that mesmerised thousands of people in her awe-inspiring role as a black Mary Magdalene in Jesus Christ Superstar.

“The ’70s shows are great,” Marcia said.

“It’s the disco era – there’s plenty of bad

MAGIC MUSIC: CD cover of Marcia Hines' 2014 album Amazing.

Indulge your reading passion….

clothes, bad hairstyles and it makes everyone happy.”

Marcia Hines, the magnificent voice, the bold personality, is good humoured and gracious.

And at 63 years old, she seems to be running at the same speed that drove the 16-year-old Afro-American to audition and win a role in the

PHOTO: CONTRIBUTED

Australian stage production of rock musical Hair.

During the production, she found out she was pregnant with her first child. Marcia gave birth to baby (Deni Hines) and stayed on to become an Australian citizen. Marcia fell in love with Australia and Australia fell in love with Marcia.

By 1973, she had signed up for the major role of Mary Magdalene in Jesus Christ Superstar.

The show’s success made her a serious star. From 1976 she was named Queen of Pop for three consecutive years Marcia has also kept her friends from that era, including former Countdown host and rock journalist Molly Meldrum.

She said they didn’t see each other that often, but when they did, there was still plenty to talk about.

“We start talking and I look at the time and it could be 3am,” she laughed.

Great friends, family, her daughter and godchildren ranging from four to 43 years old hold a special place in the big heart of Marcia Hines.

In 2003, the next generation of youth had their own turn at discovering Marcia when she completed five series as a judge on television show Australian Idol, returning for the seventh series.

In 2007, Marcia was inducted into the ARIA Hall of Fame. In 2009, Marcia received a Member of the Order of Australia in the Australia Day Honours for services to the entertainment industry as a performer, judge and mentor, and to the community through a range of charitable

organisations.

This year is no different to any others in the career of the indomitable Marcia Hines.

“I didn’t plan anything for this age or after this age,” she said.

“Life just happens.”

Her fitness regime is just as simple.

“I do a bit of walking, a bit of running – I like to get my heart rate up.”

She believes in the adage that all work and no play makes one very boring and enjoys doing art production and

spending time with her godchildren.

“I like to go into the art studio, walk in, close the door and do some mosaics,” she said.

“But I also have quiet times when I shut down.”

She said a special rest day would mean not having to catch a plane, sleeping in, a leisurely breakfast, a couple of hours walking and hanging with a few girlfriends.

“And finding somewhere to dance in the evening,” added the indefatigable performer.

HEART AND SOUL ❚ Marcia moved from Boston to Sydney at just 16 to star in the Australian production of Hair. ❚ Marcia’s debut album Marcia Shines became the biggest selling album by an Australian female artist in 1975. ❚ Marcia was the first Australian female artist to have seven consecutive top-20 album releases. ❚ Cruise ’n’ Groove, hosted on the luxurious cruise liner Radiance of the Seas, this month begins its retro music journey from Sydney with Marcia, pop heavyweights KC and the Sunshine Band and a host of other artists. The cruise sets sail to the tropical beauty of prominent South Pacific island holiday destinations including Isle of Pines (New Caledonia), Mystery Island (Vanuatu) and Noumea (New Caledonia). Cruise ’n’ Groove sets sail from Sydney for eight nights from October 23–31. For more information, including how to book your cabin, go to www.chooseyourcruise.com.au or phone 1300 247 371.

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Northern NSW

Monday, October 17, 2016 seniorsnews.com.au

Surf’s still up for John at 71

HE STARTED on a surf plane when he was eight, graduated to a belly board, then got his first Malibu in 1960 at age 14.

But following his return to surfing in 2007, after a 40-year break, Colin Harper said “it’s not like riding a bike”.

He was born and bred in Manly, NSW, but then headed west to Cowra where he ran a sports store, and had a small farm. Surfing was a holiday activity only and, "I got more and more out of practice".

"I was 61 when I got back into it. If my sons hadn’t bought me a brand new Mal I would have given up."

Eventually “it all came back”, and his home break these days is Flat Rock, just south of Lennox Head, where Colin loves that “you can paddle out back and you know someone”.

He’s a member of the Ballina Malibu Club and

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I love having the three generations out in the water together.

— Colin Harper

enters their monthly competitions, although he says he’s “one of the worst doing it”. But he does do it, and loves the fun and social side. “It’s a great bunch of people in the Malibu club."

The greatest enjoyment he gets from his surfing is being able to surf with his sons and grandsons. “I love having the three generations out in the water together”.

Colin said coming from Sydney he saw surfing more as a summer sport, but he’s got a wetsuit and “I’ll go out in winter if it’s good, but it’s been flat and cold. I’m a little bit of

SILVER SURFER: Colin Harper loves getting out on his surfboard.

a wousse”.

He said when he started back surfing it was tough. “I’d got very unfit, I’d need 20 minutes to get my breath back when I got out.”

Now he exercises every day so he can surf. “I do push-ups, sit-ups, light weights for 20 minutes every morning.

“I put myself through torture so I can do what I do. If I stop exercising it’ll only be a year or two and won’t be able to do it.

“God blessed me with a healthy body, and he blesses us with good waves. It’s a good combination. We have to use the gifts God gave us.”

Ballina Malibu surfer Colin Harper.

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seniorsnews.com.au Monday, October 17, 2016

Power of recorded history

BREASTPLATES given to Aboriginal people associated with the Northern Rivers in the late 1800s and early 1900s form part of a new Tweed Regional Museum Murwillumbah exhibition.

Two years in the making, the exhibition, which runs until January, is an exploration of personal stories.

“The focus of this exhibition is very much on the individuals to whom these plates were given, and the information that can be found in the historic record about them - where they lived, why they were given the plates, and their interaction with settlers,” Museum director Judy Kean said: “We understand that the history of these breastplates is a difficult one. It tells a story of attempts at European domination and subjugation of Aboriginal people. Nonetheless, those named on the breastplates did exist and although the plates themselves can be contentious, the individuals are not, and it’s their stories that are the heart of this

exhibition.” Featured in the exhibition: Bobby, King of Grafton; Tommy, King of Carrs Creek; Rowley, King of Tomki; Bobby, Chief of Yulgibar; Billy Kelly, King of Broadwater; Jemmy, King of Big River; King Billy Morgan of Dyrabba; Margaret, Queen of Gundurimba; Peter Belmy, King of Yerally, Gindinbar and Gundirimba; Billy Barloo, King of Coldstream; Prince Newman of Tunstall; Wilson, King of Coraki; Drumble Charlie and Billy Moore.

“People may not be aware that breastplates have a military origin.

They’re a remnant of metal body armour, the gorget, worn in medieval times and in continued use well into the 19th century,” Ms Kean said.

“Governor Macquarie introduced them to Australia in 1815 and intended them as a way of conferring status on the people to whom they were given.”

As part of the museum’s work to assemble the exhibition, a publication has been produced and includes extensive original research. It includes a

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BADGE OF HONOUR: One of the Tweed Museum Aboriginal breastplates on display

HISTORY LESSONS: Dominic visits the Tweed Museum Aboriginal breastplates display.

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for whom no breastplate is known to exist.

“We hope this extensive documentation will encourage further

research into the lives of these individuals,” she said. The opening of the exhibition coincided with the New South Wales Local Government Aboriginal Network (LGAN) conference with some delegates sharing their own memories triggered by the display.

LGAN’s John Murray said the exhibition was a good way to educate the broader community about the past. “It was sad for me to see some of the items on display but this

PHOTO: CONTRIBUTED

is about recognising how far we have come as a culture and as a country.

It’s good to see these things are only on display now for educational purposes,” Mr Murray said.

The National Museum, the Australian Museum, the National Library of Australia, the Museum of Applied Arts and Sciences and the Richmond River and Casino Historical Societies have loaned breastplates for inclusion in the exhibition.

Beauty on the wing SOME of the most beautiful butterflies from Australia, Asia and South America will be featured at Tweed Regional Museum Murwillumbah as Greg Newland’s collection is showcased in the Museum’s Collector’s Cabinet display.

Today Greg’s interest in collecting is sustained by the environmental messages his collection represents. Butterfly numbers have declined

FLUTTER BYS: Greg Newland’s collection is showcased.

PHOTO: CONTRIBUTED

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Seniors 7

River fest sparkles

THIS year’s Tweed River Festival promises to be something special as the Tumbulgum community hosts the main event on Saturday, November 12, and celebrates 150 years of the village at the junction of the Tweed and Rous Rivers.

The entertainment program is packed full of great local artists performing on the main stage, in the Tumbulgum Hall, at Living Waters Church and along the river bank, all free to the community.

There’ll be street performers Hoopla Circus and Roving Butterflies, face painting, balloon artists, weaving workshops by Helle Jorgensen, primitive skills demonstrations by Owen Builds the Fire, a guided Heritage Trail through Tumbulgum Village, historical display and more in the 1913 heritage-listed Tumbulgum Hall, river cruises with Mt Warning Tours and Endeavour Cruises, lantern workshop, and much more.

Performers include Seven Deadly Swings, Lissy Stanton Band, Cadillac Rockers, Mohini Cox, Kazah Duo, Voice Weavers, Arte Gitana, and more.

The much-loved Tweed River Festival lantern parade starts at sunset.

An owl lantern lights up the festival night sky.

The settlement of Tweed Junction was established in 1866 when land selections were made along the Tweed River. This year’s festival theme, Join Us at The Junction, reflects the growth of the Tweed Valley and Tumbulgum community in the past 150 years.

Situated at the “meeting place of waters”, the confluence of the Rous (north arm) and Tweed Rivers, the picturesque village of Tumbulgum makes an ideal setting for the Tweed River Festival, with Wollumbin Mt Warning a fitting backdrop.

Tumbulgum Community Association president Jenny Kidd said event theme Join Us at The Junction was an invitation to a party and also symbolised what she

A sun lantern shines at the river festival.

called “building a 21st century community in an historic village”.

“Our community is fortunate to have the enthusiasm, talents, skills and support necessary to deliver a celebration we will all be proud of,” Ms Kidd said This event is supported

by Tweed Shire Council.

FAMILY FUN: Next month’s Tweed River Festival will be pretty special. PHOTOS: CONTRIBUTED

Tumblegum’s not thinking small for celebrations ONLY 350 people live in Tumblegum, and what the town is endeavouring to pull off with the 150th anniversary celebrations is “nothing short of amazing”, according to project manager Robert Budd.

He’s pleased with the way things have panned out.

“Our original plans were extremely modest. A small

celebration. There was a strong sense that we are only a small community, don’t expect much from us!”

Robert, a retiree who returned to Tumblegum after working overseas for many years, said: “I found it a bit difficult to cope with, and I think others do too. There are some remarkably skilled people in the community. People

are getting up and putting in the effort.”

They started organising the celebrations in December “with no plan, no one managing it, and no money”.

“Now we’re spending $60,000 on an afternoon.”

They are expecting 1500 people for the event, and will use it to showcase what

Tumblegum has to offer.

Among the Tumblegum specialties is local business Husk Distillers, which manufactures Ink Gin and will be serving gin and oysters at the tavern.

While there will be celebrations of the 150-year history of Tumblegum with the unveiling of a monument at Bluey Hill Park, on the original site of Tumblegum

village on the northern bank of the river, there will be an emphasis on celebrating the present through local talent and looking to the future.

Robert and his team are now working on the logistics.

“It’s a big influx for small town, it has to be handled carefully, we don’t want to inconvenience locals.”

And a few more volunteers to help out on the day would be appreciated.

The highlight will be the show on the river with the lantern parade, lanterns on traffic on the river, firewalkers and a laser show.

Contact:tumbulgum communityassociation @hotmail.com

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8 Seniors Northern NSW

How to host a high tea on a budget

IF THE idea of paying $40 a head deters you from going to a High Tea why not organise one with your girlfriends one afternoon, they’re a great treat for a birthday or celebrating events.

You can do it on a budget quite easily.

One way is to ask people to bring a plate.

You can send out the menu and friends choose what they would like to make or if you plan to do the high tea it doesn’t have to cost a fortune.

See Nicky’s tips for tea cups and pots.

Bubbly with a marinated strawberry can make the difference between a nice drink and a beautiful drink. Just sprinkle your halved strawberries with a bit of sugar and add a small amount of Cointreau or brandy marinate for one hour then add to the champagne glass top with bubbly.

If you have access to Rosellas in syrup sometimes called Native Hibiscus, they are also beautiful in champagne.

Cucumber sandwiches are so simple and delicious as well as cheap to make.

Salmon croutons are also simple and look so impressive.

Mini cupcakes look great and if you have a flair ice them or dust with icing sugar.

The secret is to do as much preparation in the morning or the day before.

Having a plan helps write your menu, list the ingredients you need and when you need to do it.

Simplicity is the way to enjoy your High Tea. Ask a friend or 2 to come help with the set up and final touches an hour or two before everyone arrives.

Menu ideas ■ Bubbly with Strawberries ■ Salmon canapés ■ Cucumber sandwiches

■ Gorgonzola tarts ■ Baby scones jam and cream ■ Little Toblerone/choc mousse –in a shot /sherry/port glass ■ Lemon curd tarts ■ Mini cupcakes- dust with icing sugar (packet mix is easy) ■ Lemon curd tarts ■ Tea Plan your day On the day before make mini-Toblerone or chocolate mousse. Dress the table.

Make pastry cases for quiches and tartlets and store in an airtight container at room temperature. Make curd and refrigerate lemon curd in an airtight container mix quiche mix and place in refrigerator.

Up to four hours before guests arrive Cook mini-quiches and keep covered in pans.

Make salmon on cheese and poppy seed biscuits topping and make and bake biscuits Up to two hours before guests arrive Make cucumber sandwiches. Place on platter and cover with plastic wrap. Refrigerate.

Make baby scones cover on tray.

Garnish mousse shots with flaked chocolate Up to one hour before guests arrive Complete mini quiches.

Cut and dress scones Top Salmon canapés.

Complete tartlets.

Place a selection of savoury and sweet items on separate plates a tiered plate would be great if you have them or you can place plates on top of pretty paper covered boxes so there are different heights on the table and accessible.

When guests arrive have champagne glasses chilled with a strawberry in each one and pour the bubbly as people arrive.

Take a big breath and relax!

seniorsnews.com.au Monday, October 17, 2016

Live and

Great finds at local op shops BE THRIFTY AND THRIVE NICKY NORMAN TAKE advantage of the great opportunity to explore your local op shops and vintage stores.

You can support your local community, save money and have fun, all while bagging a bargain.

Here’s why: ■ Giving to charity – the money spent on items supports people in need and provides local jobs and volunteering opportunities.

■ Abundance of variety – whether you’re after clothes, shoes, accessories, toys, bikes, homewares, linen or furniture, there are always hidden gems to be found.

■ Spend less with bargain shopping – vintage items and designer brands are like finding treasure.

■ Environmental factor –

by recycling your things, you are reducing landfill and giving your unwanted item a new home.

■ Declutter your space – it’s an opportunity to clean out your wardrobe and go through your kitchen cupboards and linen closet and pass on your items to a new home.

Op shops to visit: Mission Australia, St Vinnie’s, RSPCA, Lifeline, Australian Red Cross and Salvos. Online op shopping: eBay, etsy, gumtree and tushare.

BUDGET HIGH TEA

Some items you will need to find from your local op shops to help with your budget high tea include linen – a tablecloth, napkins and a blanket and cushions if it’s picnic style; crockery – plates, teacups and saucers and serving dishes; cutlery – silver service at minimal cost, put them in an old tin or milk jug.

Add flowers to small glasses or jars for decoration.

UPPER CRUST: Why not do a fun high tea op-shop style?

PHOTO: CONTRIBUTED

A simple

ONE way to keep to budget is to ask people to bring a plate of food. You can send out the menu and let your friends choose what they would like to make. See Nicky’s tips for teacups and pots.

Bubbly with a marinated strawberry can make all the difference. Sprinkle halved strawberries with a bit of sugar and add a small amount of Cointreau or brandy, marinate for one hour and slide onto the top of the glass.

Cucumber sandwiches are simple, delicious and cheap, together with salmon croutons. Mini cupcakes look great and taste great, too.

The secret is to do as

CHEAP EATS, NO TRUFFLES CHRISTINE PERKINS much preparation in the morning or the day before.

Menu ideas ■ Bubbly with strawberries ■ Salmon canapes ■ Cucumber sandwiches ■ Gorgonzola tarts ■ Baby scones, jam and cream ■ Mini Toblerone/choc mousse in a shot/sherry/ port glass ■ Lemon curd tarts

Win a set of Miles Franklin finalist Books!

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Here is your chance to win the books from this years finalists!

To be in the running, simply email communitynotes@seniorsnewspaper.com.au.

Make sure you tell us your name, contact number, email, postal address and Seniors Newspapers region, then answer this question in 25 words or less: “Which Miles Franklin finalist is your favourite and why?”

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Northern NSW

Monday, October 17, 2016 seniorsnews.com.au

let’s save High tea at low price

PEOPLE PLACES & PERKS EMILY BLACK

high tea

■ Mini cupcakes – dust with icing sugar (packet mix is easy) ■ Tea Plan your day Day before ■ Make mini Toblerone or chocolate mousse.

■ Dress the table.

■ Make pastry cases for quiches and tartlets, store in airtight container at room temperature.

■ Make curd and refrigerate in airtight container.

■ Combine quiche mix and place in refrigerator.

Up to four hours before guests arrive ■ Cook mini quiches and keep covered in pans.

■ Make and bake cheese and poppy seed

biscuits and salmon topping.

Up to 2 hours before guests arrive ■ Make cucumber sandwiches. Place on platter and cover with plastic wrap. Refrigerate.

■ Make baby scones, cover on tray.

■ Garnish mousse with flaked chocolate.

Up to one hour before guests arrive ■ Complete mini quiches.

■ Cut and dress scones.

■ Top salmon canapes.

■ Complete tartlets.

■ Place savoury and sweet items on separate plates or tiered plates.

Take a big breath, relax!

ATTENTION high tea enthusiasts. If you’re in the mood for something fancy, without the associated price tag, you can pick up some great bargains via online deals through sites like redballoon.com.au or groupon.com.au, which can find you up to 90 per cent off, not only high tea, but a range of activities and dining experiences.

For example, a recent deal on groupon.com.au was for a sparkling high tea for one for $29 at Four Winds Revolving Restaurant, Surfers Paradise, which normally costs $49.

Log on today to check out the constantly changing deals available across Australia.

Alternatively, the web is home to pages like

highteaclub.com.au, which is a place where you can browse and explore though a growling list of venues offering high tea throughout Australia.

High Tea Club, Australia is all about high tea; from venues and restaurants to catering, parties and more.

They provide a platform for all high tea enthusiasts and attenders to find and discover existing and new venues, where anyone can come to find their next experience.

Constantly adding and growing our list of venues and restaurants that offer high tea. Using our search form you can find high teas to specifically fit your criteria, from type, to price per person, location and more.

The site has a search engine, where you can choose your state, region (CBD, country, coast); whether you want a tier plate or buffet; price per person and your availability.

Seniors 9

High tea: a recipe for success Salmon on Cheese & Poppy Seed Biscuits Ingredients ■ 1¼ cups plain flour, plus extra to dust ■ 100g butter, chopped ■ 125g parmesan cheese finely grated ■ 3 tsp Dijon mustard ■ 2 tbs poppy seeds Method Process flour, butter, cheese, mustard and 1 tablespoon of water in a food processor until a fine sand forms. Turn out onto a lightly floured surface and knead briefly until a smooth dough forms. Roll into a 3.5cm diameter x 30cm-long log.

Spread poppy seeds on a large sheet of baking paper. Roll log in poppy seeds to coat.

Wrap in baking paper and chill for 20 minutes.

Preheat oven to 180°C. Line a baking tray with baking paper. Cut the log into 1cm-thick slices and arrange in a single layer on tray. Bake for 12-15 minutes or until golden.

Cool.

Salmon mix Ingredients ■ Small tub of mascarpone cream cheese ■ 100g smoked salmon, chopped ■ 2 tablespoons lemon juice ■ 2 tablespoons dill sprigs and save a few for garnishing Method Preheat oven to 200°C. Line a baking tray with baking paper. Cut bread into 2cm-thick slices.

Place onto prepared tray.

Brush both sides with oil.

Bake for 10 to 15 minutes or until bread is golden and crisp. Cool.

Place cheese, smoked salmon, lemon juice and dill into a food processor.

Pulse until ingredients are well combined. Spread thickly over Cheese & Poppy seed biscuits or large croutons toasted bread. Season with salt and pepper. Garnish with a dill sprig.

Cucumber sandwiches ■ 1 loaf very fresh white

sandwich bread ■ Butter ■ 1 Lebanese cucumber peeled and finely sliced ■ Salt and pepper.

Method Butter your loaf of bread, lay out on bench in twos, add cucumber slices to cover bread, salt and pepper then top with second slice of bread push gently down and cut off crusts then cut into fingers or triangles.

Lemon curd tarts Ingredients ■ 1 1/2 sheets frozen ready-rolled shortcrust pastry, partially thawed ■ Lemon curd ■ 1 egg ■ 1 egg yolk ■ 1/3 cup caster sugar ■ 1 teaspoon finely grated lemon rind ■ 2 tablespoons lemon juice ■ 50g butter, chopped ■ Finely grated lemon rind, to serve Method Preheat oven to 180°C/160°C fan-forced.

Bake pastry cases for 15 to 16 minutes or until light golden. Cool in pan for 10 minutes. Transfer to a wire rack to cool. Lightly grease a 12-hole, 1 1/2 tablespoon-capacity mini muffin pan. Using a 6.5cm cutter, cut 12 rounds from pastry. Press pastry rounds into prepared pan.

Pierce bases with a fork.

Freeze for 10 to 15 minutes or until firm.

Place egg, egg yolk, sugar, lemon rind and juice in a heavy-based saucepan. Whisk to combine.

Add butter. Place over medium heat. Cook, whisking, for 7 to 8 minutes or until mixture coats the back of a spoon.

Remove from heat for 5 minutes.

Pour into small bowl make sure cling wrap is on the surface of the curd to stop a skin developing.

Set aside to cool.

Spoon 2 1/2 teaspoons lemon curd in each pastry case. Top with a slice of strawberry. Serve.

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10 Seniors Northern NSW

seniorsnews.com.au Monday, October 17, 2016

talk ‘n’ thoughts Hurdles, highjumps and solutions

Why have older women become our invisible homeless?

FROM THE EDITOR’S DESK GAIL FORRER

Group editor Seniors Newspapers network

YOU probably won’t recognise her. She’s usually clean, tidy and you can identify her social status as lying somewhere in the circle of middle class.

You might feel you have some connection, perhaps you recall your kids went to school with her kids, or at one stage

you were on the same committee.

But you rarely see her around these days and, come to think of it, when you do see her, well, she’s a little bit shabby, a little bit sad.

Anyway, she doesn’t make a show of herself.

In fact, she’s generally invisible.

This woman is a statistic, one that makes up the fastest growing group of homeless Australians – the older woman.

Shocking statistics reveal one-in-four women

aged more than 55 years make up this category.

Yet, it can be hard to pick these women.

They’re not obvious, except their accommodation consists of sharing flats, couch surfing, uncomfortably living with family or, worst-case scenario, living quietly from a car.

It’s an extraordinary situation brought on by everyday factors these women have lived with – limited education, free care-giving, glass ceiling, pay inequality, divorce, part-time work and

career breaks that have finally resulted in a lack of superannuation funds and assets.

Media commentator, author and businesswoman Jane Caro says this lack of financial security in later life is the “reward for a lifetime of self-sacrifice”.

For these women, superannuation contributions have stagnated when they have taken time out from the paid workforce to look after others – children, parents, partners. They have taken a dip when casual/part-time work is chosen to leave time for domestic life.

Ms Caro said statistics showed women may never recover from a divorce, while for men it is a one-off financial hit.

The disparity is often due to women taking on the children, while men are more able to actively sustain a career.

This is the social background behind the new poor – and about to become poorer –

generation of women.

These women matured in an era when it was unusual to encourage female education beyond high school.

Well-meaning men were more interested in the education of sons rather than daughters and mothers gently advised their daughters to marry well and support their man. And find their place within the home Ms Caro said: “The plan was to marry and the man would support the family for the rest of their lives.”

Even if a women rebelled against the stereotype, there were hurdles to overcome in the workplace. For instance, it was 1968 when women were finally allowed to keep bank jobs after they were married. Today, even in jobs of equal value there is a gender pay disparity.

At 59-years-old, Jane Caro, refers to “my generation”’ of women. A generation of women who found thoughts of romance as far more

interesting than finances.

She said men were brought up to be, hard-headed and pragmatic. On the other hand, “women have been trained from birth not to ask things for themselves.”

Ms Caro is speaking up on behalf on these women and she says unless we wish to see a lot more senior women out on the street, then we must act.

Her suggestions envelop changes to housing, education and welfare policies, including: ■ For every unit development of 70 or more, two should be put aside for social housing.

Among other things, this would stop the development of ghetto-like areas of social housing.

■ Provide significant incentives to employ older workers and proper recognition of skill base.

■ Increase the pension to a living wage.

■ Community education and financial advice freely available.

“Better late, than never,” Ms Caro explained.

FACTS AND FIGURES: ❚ Federal Government’s Australian Institute of Health and Welfare statistics, from 2011-12 to 2013-14 show the number of women aged 55 years and over accessing specialist homelessness services increased by 26 per cent These figures are for the women who actually sought help from a homeless support service.

Source: www.humanrights.gov.au/face-facts. ❚ In 2009-2010, Australian women reached retirement age with an average of 36 per cent – or $87,532 – less superannuation than men.14 As a result, women are more likely to experience poverty in their retirement years and be far more reliant on the Age Pension. ❚ 2009-2010, average superannuation payouts for women were just over half (57%) those of men.

Average retirement payouts in 2009-10 were of the order of $198,000 for men and only $112,600 for women.[15] ❚ One in five Australians aged 55 years or over claim that age is a major barrier to finding a job or getting more hours of paid work. They say that employers consider them “too old”.[9] ❚ Approximately 80 per cent of all Australians aged 65 years and over rely, at least in part, on the Age Pension.[10]

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tech savvy

Monday, October 17, 2016 seniorsnews.com.au

RIGHTS OF BENEFICIARIES We receive many enquiries from beneficiaries in estates seeking advice in relation to their rights. Naturally, beneficiaries usually want to know what they are going to receive or be able to identify their interest in an estate. In some cases they may wish to seek information in relation to the assets and liabilities of the estate.

www.seniorsnews.com.au

■ WHAT IS A KINDLE OR E-READER? E-READERS are handheld electronic devices that allow users to read digital versions of books, newspapers, magazines or other documents, all on the one device.

A Kindle is the most common brand of e-reader and is designed and marketed by online shop Amazon.com.

■ WHAT ARE THE BENEFITS? Rather than carry around a small library of heavy printed material, you can

access hundreds of books and magazines etc on one lightweight device.

E-books are normally also cheaper and once you purchase an e-book you can begin reading immediately – no need to wait for the postman. You can also easily change the size of the font to make reading easier.

■ WHERE DO I GET ONE? E-readers can be bought from online stores such as Amazon.com and Kogan.com, although they are also available from many physical retail stores, such as Officeworks.

■ WHAT ARE THE ALTERNATIVES? While many people use dedicated e-reader devices, you can also use a smartphone or electronic tablet to read books.

Apple’s iBooks and its Android alternative Google Play Books are in most cases already installed on such devices when you purchase them.

Take your Kindle to next level ■ BOOKMARK A PAGE TO SET a bookmark on the Kindle Paperwhite, tap in the upper-right corner of the screen. A flag appears, along with the location and section of the book, with a plus sign in a circle.

To set the bookmark, tap the plus sign. The flag darkens, indicating the marked location.

After you set a bookmark, tap the upper-right corner of the screen and a small menu appears, displaying all the bookmarks that have been set in the book.

When you tap a bookmarked location, a window insert opens. You can read the page from

the insert or go directly to it by tapping the page.

To return to your former location, navigate by bookmark or use the Back icon from the toolbar.

All Kindles come with a pre-loaded user guide of ‘how to’ instructions for your device.

■ HIGHLIGHT TEXT OR MAKE NOTES YOU can highlight text to refer to later or add your own notes (like you would in the margins of a printed book) to a particular passage.

To do so, select the text by touching your finger to a word and dragging it across the screen. The selected text turns white on a black background.

Seniors 11

All Things Legal

online Let’s ‘kindle’ your interest in e-readers

Northern NSW

When you release your finger, a pop-up window offers the options: Share, Add Note, Highlight, More.

If you tap ‘Highlight’ the text will appear as black text on a grey background.

If you tap ‘Add Note’ a pop-up window appears with a text entry block and the on-screen keyboard.

Type your notes and tap ‘Save’.

To view all your notes, highlights etc for an e-book, tap the top of the screen to display the toolbar. Then tap ‘Menu’, and then ‘View Notes & Marks’.

All your notes and highlights, as well as the popular highlights for that e-book, will be displayed.

Most of the enquiries we receive from beneficiaries arise from a concern about the manner in which an estate is being administered and uncooperative or secretive behaviour. It is natural human nature to be inquisitive and/or mistrustful when information is withheld from us! Common complaints include: 1. The beneficiary has not been provided with a copy of the Will and does not know what they are entitled to; and 2. The beneficiary is not being provided with information in relation to the asset and liability position of the estate and is being “kept in the dark” when it comes to information in relation to the estate and its administration.

Beneficiaries of estates have certain rights which are protected by law.

Executor’s fiduciary obligation to beneficiaries When entering into any discussion about the rights of beneficiaries in estates, a useful starting point is the nature of the relationship between beneficiaries and executors. An executor stands in a fiduciary relationship all beneficiaries of the estate. Fiduciary simply means a relationship of trust. This relationship is central to the rights of beneficiaries and the obligations of executors in estates. The executor has been entrusted with the assets of the estate and the power to administer the estate for the benefit of the beneficiaries of the estate. The executor must therefore discharge his or her duties with due care and loyalty to the beneficiaries.

Identifying a beneficiary’s interest in an estate A beneficiary should be promptly informed of their entitlement under a Will or if there is no Will of their entitlement on the deceased’s intestacy (the rules governing the distribution of an estate in the absence of a Will).

When a beneficiary has not been properly informed of their entitlement the law provides beneficiaries with certain rights to access information relating to their entitlement. Those rights include a right to receive a copy of the Will.

In both New South Wales and Queensland the law compels a person who has possession or control of a Will of a deceased (and this person does not necessarily have to be an executor) to provide a copy of the Will to any person named or mentioned in the Will, upon request.

Once a beneficiary receives a copy of the Will they will usually be able to identify their interest in the estate. If they are unable to due to the complexity of the document they should seek the assistance of an experienced Wills and Estates Lawyer. The beneficiary’s right to further information is often dictated by the nature of their interest in the Will. Classifying the nature of a beneficiary’s interest can become quite complicated. Essentially, there is a distinction between a beneficiary that holds an interest in a specific asset (for instance a boat or a bank account) and a beneficiary that holds a residual or remainder interest in the estate.

Seeking information in relation to the nature of the estate assets and liabilities A beneficiary’s right to information in relation to the operation of an estate is historically steeped in English Law which has continued to inform Australian Law. It has been accepted legal principle for many years that estate documents “belong” to the beneficiaries and are in a sense the property of the beneficiaries. Access to those documents is an entitlement that should not be denied by the executors.

For a beneficiary to effectively monitor the administration of estate property it goes without saying the beneficiary needs information regarding the performance of the executor’s duties and powers. To this end the law has imposed on executors and trustees a duty to account beneficiaries. However, the nature of the beneficiary’s interest can dictate the extent of information they are entitled to.

A beneficiary that holds an interest in a specific asset (for instance a boat or a bank account) has a right to access information in relation to that specific asset, but generally nothing more. Using the example of a beneficiary that receives a specific gift of a boat under a Will, they are entitled to access information in relation to the boat (such as registration papers etc). They are not strictly speaking entitled to access information in relation to the other assets of the estate, unless there are special circumstances.

The rights of a beneficiary holding a residual or remainder interest in an estate are much broader. As a residuary beneficiary of an estate the entitlement to access to information extends to the ability to access information relating to the management and administration of the estate in its entirety.

A beneficiary entitled to an interest in remainder in an estate has a right to access all information about the estate and has a right to see estate documents as it is information about that beneficiary’s own property. As every transaction occurring in the estate will ultimately affect that beneficiary’s interest they are entitled to a full accounting of the estate. In the event that information is withheld the beneficiary can approach the Court to compel the executor to provide the relevant information.

Further rights of beneficiaries The above summaries are not exhaustive. Beneficiaries have further rights in estates including: 1. The right to be informed of the expected date of distribution and any delay that may be occasioned; 2. Where the beneficiaries are due to receive a legacy, to receive that legacy within 12 months of the deceased’s death or if paid outside that period, to be paid their legacy together with interest as prescribed by the legislation; and 3. To be advised of any litigation against the estate that may affect their entitlement under the Will or intestacy.

It is very important that you take steps to find out about your entitlements in an estate if you are a likely beneficiary.

We have experienced many cases of fraudulent behaviour by executors where they have literally ‘spent the inheritance’ of their own family members. We strongly recommend you ensure your interests are protected against this type of potential harm by seeking independent legal advice. If a Court considers the executor has acted improperly, it is likely your reasonable legal costs will be recoverable from the estate or the executor personally.

Attwood Marshall have the largest Wills & Estates department in the Gold Coast and Northern Rivers area and have lawyers who work exclusively in this area of law. If you are a beneficiary requiring further information in relation to your rights, we are offering an obligation free initial appointment for any new enquiries. Please contact our Department Manager Donna Tolley on direct line 07 5506 8241 or email dtolley@attwoodmarshall.com.au or free call 1800 621 071.

Dr Gavin Mitchell

Australian Owned & Operated 23 Years on the Gold Coast!

TWEED HEADS SOUTH

Tweed City Shopping Centre (off the food court) Open Monday to Saturday |

Phone: 5524 8888

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15 Albert Avenue, (opposite Commonwealth Bank)

Phone: 5527 5585

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

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12 Seniors Northern NSW

seniorsnews.com.au Monday, October 17, 2016

community Declutter the four ‘Ds’

❝

SNAPSHOTS OF LIFE ANN RICKARD

Death.

Debt.

Divorce.

Downsize – the four biggies to decluttering.

— Ann Rickard

ann.rickard@apn.com.au

DEATH. Debt. Divorce.

Downsize – the four biggies to decluttering.

Listening to a radio program on the subject I found myself nodding sagely in agreement with everything the broadcaster said.

Clearing a household of stuff after a death or divorce, or because debt has gripped you, is traumatic indeed.

Then there is the downsizing, the one I relate to most as I have just gone through it…and survived...and come out a better person.

It’s the forced decluttering, you see.

Unless you have to, you are not going to get rid of decades of accumulated furniture, accessories and junk, are you?

Stuff lurks in cupboards, languishes in wardrobes, hangs about in drawers and generally makes itself at home in every corner and nook of your property.

It especially loves garages and cupboards under the stairs.

But when you move from an empty-nested

four-bedroom home to a modest two-bedroom townhouse, the junk simply has to go.

First, you must grit the teeth and hire a skip.

Endless trips to the tip and op shops follow as the piles of stuff mount up as cupboards and drawers are emptied.

“Why have we three graters, two woks, five juicers, 12 sheet sets... and what the heck is this?” you’ll say as you cull.

Determination is called for. You simply cannot keep the three crystal vases given as wedding presents in 1968.

There will be tears.

When it is all over and the last bag of clothes you have not worn for 10 years has been taken off to the op shop, you will feel younger.

The freedom of living in a smaller space with modest belongings can’t be overstated.

It’s marvellous to open a drawer to find just one of everything.

So even if you’re not facing one of the four Ds, why not declutter anyway?

HELLO readers, to enable us to respond to your request for publication of more Community Notices, we ask that you keep your notices short and to the point (100 word maximum). If you would like to submit a photo please ensure the quality is at least 180dpi of peoples faces and nice and bright. Club Notices deadline for the next issue is November 11, 2016. Inquires to Nicky or Chris via email communitynotes @seniorsnewspaper. com.au

VIEW CLUBS ■ COOLANGATTA TWEED

A DELIGHTFUL picnic in the park at Tweed Heads forged fun and friendship for members with enthusiasm in the committee-organised games. The next luncheon meeting is on October 20 at South Tweed Sports Club, Minjungbal Dr, South Tweed Heads at 11am for an 11.30am start. The club will acknowledge The Smith Family’s designation of October as anti-poverty month by inviting On Track Community Programs Ltd, operators of the Women’s Refuge in the area, to address the meeting. A refuge worker will accompany the On Track Community Programs representative to take donations of non-perishable food.

Members are to call Kay on 5524 4089 with apologies by October 17.

Visitors are welcome and can call president Dianne on 5590 9119 for further details.

PERFECT PICNIC: Coolangatta/Tweed VIEW Club recently held a delightful picnic for members at Tweed Heads.

■ TWIN TOWNS EVENING

TWIN Towns Evening VIEW Club’s next dinner meeting is on Wednesday, November 9. Ladies of all ages are welcome to join.

Held in the the Blue Room of the Tweed Heads Blue Room 6.30pm for 7pm.

Supporting the Smith Family’s Learning for Life program, helping disadvantaged Australian children in their education to make sure they reach their full potential. Call Barbara on 5523 1057 by 1pm on the Monday prior for guests and apologies.

■ CURRUMBINELANORA

CURRUMBIN-Elanora will host their next meeting on Tuesday, October 25, at Currumbin RSL, from 10am with retired Chief Judge David Ashton-Lewis as guest speaker. The group has a trading table each month, where

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Call us today to see if you qualify for this research program. Potential candidates will be given a Free* hearing test to determine their candidacy.

proceeds go to help disadvantaged children through The Smith Family’s Learning for Life program. Visitors are invited to enjoy the monthly outings also.

Please contact Carlene 5590 8247.

PROBUS CLUBS ■ HASTINGS POINT

PROBUS Club of Hastings Point Tweed Coast will meet on October 18, at 10am, at the Tri Care Retirement Community, 87/89 Tweed Coast Rd, Hastings Point. Guest speaker NSW Police Force Senior Constable Brad Foster, the Crime Prevention Officer for the Tweed/Byron Local Area Command, will discuss the new community portal for online reporting and to report non-emergency criminal activity. We will discuss the installation of tamper proof screws to vehicle number plates and

home security for seniors.

New members welcome, with inquires to Julie on 0418 966 256 or visit hastingsptprobus.org.

■ KINGSCLIFF MIXED

KINGSCLIFF Mixed Probus Club holds its meetings at Kingscliff Beach and Bowls Club on the first Wednesday of each month at 10am, with outings on the third Wednesday of the month. Visitors are welcome. Call Norma on 02 6676 3360.

■ BANORA POINT

MEETS on the fourth Monday of the month at 10am for 10.15am, at the South Tweed Sports Club.

A friendly mixed club for retirees and semi retirees.

Bush Poet John Sammon is guest speaker in October. Visitors and CONTINUED ON PAGE 13

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those interested in joining are welcome at the meetings and social outings. Inquiries call Bae on 07 5590 9738 or 07 5590 5919 or google our website Banora Point Probus.

AOOB’S TWIN TOWNS BRANCH

MEETINGS are held at 2pm on the first Friday of each month in the Secret Garden Room at the South Tweed Sports Club, Tweed Heads South. A non-profit organisation raising money for local children’s charities, palliative care, the babies and children’s wards at Tweed Heads Hospital and more. New members are welcome. Donations for the Christmas hamper are now being accepted, with the next major fundraiser being the Christmas Raffle from December 4.

For more information, phone Twenette on 07 5523 2939.

COOLANGATTA SENIOR CITIZENS CENTRE

FIFTIES and Over Seniors welcomes all Gold Coast and Tweed Heads area residents and visitors.

The Centre has a large range of activities including, bingo, dancing

neighbourhood news

(including lessons), free computer lessons, cgames, choir group, craft, exercise, rock and roll, Spanish lessons, Ukulele lessons, monthly bus trips, free monthly concerts, hairdresser and fee Wii on the big screen.

The next free monthly concert is on October 31 at 1pm and will feature soprano Bernadette Fisher. For inquiries, events brochure and concert bookings call 07 5536 4050 or visit the centre at 2 Gerrard St, Coolangatta.

use and learn how to take ‘wow’ photos, with excellent tutoring with professional photographer David Robertson.

Students need to bring their own digital camera and/or devices on Thursdays at 1.30pm.

Learn the basics of Power Point to produce your own presentations on Fridays, except the first of the month, at 11.30am. TACT offers a wide variety of courses to suit everyone’s needs, with 22 PCs(running Windows 10 and 8.1; and 10 iMac desktop computers. For more information, visit tact.org.au or phone 07 5524 9212. The club is at South Tweed Sports Club, 4 Minjungbal Dr, Tweed Heads South, NSW.

FRIENDSHIP FORCE

MEMBERS of the Gold Coast Friendship Force hosted ambassadors from Baton Rouge, Louisiana USA. With huge flooding in that area, several members were unable to come and two had lost their homes in the floods.

During their time on the Gold Coast, our visitors, along with their hosts, enjoyed welcome and farewell dinners, a canal and river cruise, a bus trip to Northern NSW, visit to the Gold Coast Hinterland & Heritage Museum, saw an overview of the Gold Coast from the Q1 and had a day at Springbrook.

Friendship Force aims to further international understanding and friendships through the

Northern NSW

TOP ENDERS

HIGH FIVE: Twin Towns Master Swimmer, Brian Smith, recently completed his 5 million metre swim.

sharing of homes, lifestyles and cultures.

During October, club members will hosts ambassadors from Taipei, Taiwan. The club meets at 3.30pm on third Sunday each month at BAVIA House, Kalimna Dr,

Broadbeach Waters. For further information, call John on 07 5562 2644 or visit friendshipforcegoldcoast. org.au

TACT

OPTIMISE your cameras

CONNECTING, Caring, Sharing connects people from all areas of the Gold Coast for friendship, fun outings and fellowship.

Call Sue for details on 0405 936 330 or text Aira on 0405 023 611.

TWEED HOSPITAL AUXILIARY

THE Tweed Hospital Auxiliary will host a warehouse shopping trip on November 8, We visiting warehouses of fashion, shoes, giftware,

Seniors 13

manchester, chocolates and the Christmas Shack.

Cost is $48, which includes morning tea, lunch and raffles on the bus, which leaves from the Tweed Heads Bowls Club bus stop at 7.15am sharp. This is a fun day out, a chance to pick up Christmas gifts or a bargain whilesupporting the Tweed Hospital. Call Denise on 07 5599 8956 or Jean on 07 5599 9273.

TWIN TOWNS MASTERS SWIMMING CLUB

SUMMER season is the time to think about improving your lifestyle and health and The Twin Towns Masters Swimming Club, can help you. Held at the Oasis Swim Complex, Club Banora, Leisure Dr, Banora Point, the focus is on health and if you can confidently swim 50m without undue duress, the coach can improve your fitness.

During Winter, coaching sessions were on Tuesday and Saturday mornings and extra times have been allotted to cater for people in the work force. If health is your goal and your fitness can be improved, make a move now, call David on 07 5523 9116, or Linda on

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.

Coffs Coast 100.5 FM | 639 AM www.radio639am.info

Clarence Valley 1206 AM | 103.9 FM www.radio2gf.com.au

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Monday, October 17, 2016 seniorsnews.com.au

14 Seniors Northern NSW

seniorsnews.com.au Monday, October 17, 2016

WIN A $69,990* CARAVAN Celebrate the modern-day retirement lifestyle. Palm Lake Resort has just released a set of fun stickers perfect for the back of your car, caravan or RV (or just about anywhere!) and to celebrate Seniors Newspapers is giving away a Majestic Caravans ‘Garoova’ valued at $69,990* inc GST. For your chance to win, simply take a creative and fun photo that features an official Palm Lake Resort sticker in it, log on to www.seniorsnews.com.au to fill in an entry form and submit your photo entry.

Stickers are available with your Palm Lake Resort ‘Spring 2016’ magazine, for collection at any of the Palm Lake Resort sales offices, will be available in selected Seniors Newspapers during the month of September 2016 or can be posted to you by emailing communitynotes@seniorsnewspaper.com.au before 18.11.16.

The competition closes 25.11.16, will be drawn on 28.11.16 and a winner will be announced on 30.11.16.

Keep your eye on the Palm Lake Resort Facebook page during the competition period for some of the latest entries. Good luck!

Visit www.seniorsnews.com.au/competitionterms for full competition terms and conditions. Promoter is ARM Specialist Media Pty Ltd of 2 Newspaper Place, Maroochydore QLD 4558. Promotional period 15.08.16 – 25.11.16.

Competition drawn 28.11.16 at 30406/9 Lawson St, Southport QLD 4215. Winners announced in Seniors Newspapers: Brisbane and Sunshine Coast 05.12.16, Gold Coast and Toowoomba 12.12.16, Wide Bay and Northern NSW 19.12.16, Central Coast and Coffs & Clarence 19.12.16 and online at www.seniorsnews.com.au 30.11.16. Total prize value $70,397 inc GST. Open only to residents of QLD, VIC and NSW.

neighbourhood news

Monday, October 17, 2016 seniorsnews.com.au

Northern NSW

Seniors 15

0418 716 419.

U3A

TWIN Towns Inc presents a free concert with members performing at the Scout Hall in Coolangatta, opposite the bowling club, on October 21, from 10am. The concert starts at 10.30am,. with dancers and the U3A ukulele players performing. All welcome to with a free morning tea, and no bookings needed. Call 07 5534 7333.

TWEED COAST’S – KINGSCLIFF

MEMBERS, guests and the general public are welcome to last Friday Forum of this year. With Remembrance Day in mind, the club welcomes guest speaker Brian Vickery, OAM, to present Lest We Forget. Brian’s talk will cover aspects of his life in the army, at home and overseas, his involvement in the RSL, General Cosgrove and other interesting stories.

Be at the Uniting Church Hall, 24 Kingscliff St, Kingscliff, at 2pm on November 4. Afternoon tea costs a $2 donation.

Call Pam on 02 6674 2367.

END OF LIFE

AMDASSADORS UNITE: Baton Rouge Ambassadors and their Hosts visit Gold Coast Hinterland Heritage Museum at Mudgeeraba.

CHOICES

VOLUNTARY euthanasia options are discussed at meetings of Exit International held quarterly on the Gold Coast. Call Elaine on 07 5580 8215.

STONE AND WOOD LEADS LOCAL SUCCESS STORIES

TWEED business sector’s strength and diversity was

acknowledged with a host of local winners at the recent NSW Regional Business Chamber Awards in Lismore. The Tweed won seven awards across a range of categories; headlined by Stone and Wood Brewing Co, Murwillumbah, which won the prestigious Business of the Year prize, as well as awards for Excellence in Sustainability and

Employer of Choice. Stone and Wood will now progress to the NSW Business Chamber State Awards in November. The Tweed Shire was represented by more than 20 finalists, with the other winners including: ■ Lady Bella, Banora Point – Excellence in Personal Services.

■ Southern Cross Credit Union, Murwillumbah –

Excellence in Professional Services.

■ Nathan Day, IC Signs, Tweed Heads –Young Entrepreneur category.

■ Husk Distillers, Tumbulgum – Excellence in Innovation.

Nathan Day and Husk Distillers will join Stone and Wood in representing the Northern Rivers at the State Awards in Sydney.t weed Shire Council general manager Troy

Green said the results reflect the region’s strength as a business destination.

“Council is committed to promoting the region as an attractive and desirable place for business and investment where the balance between lifestyle, the environment and work can be achieved,” Troy said.

“Congratulations to all of our local finalists and

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winners and best wishes to those businesses who have progressed to the State Awards. It’s particularly encouraging to see success in categories of innovation, sustainability and personal services which are all areas of focus for Council.”

For more information on the awards visit businessannualawards .com.au/Regions/ Northern-Rivers/ 2016-Winners. Winners of the State Awards will be announced at the NSW Business Chamber State Business Awards Gala Dinner in Sydney on November 25.

SURVEY LAUNCHED FOR TWEED RIVER MANAGEMENT PLAN

PUBLIC feedback on the management of the Tweed River is invited through a community survey being launched this week. The questionnaire, being conducted by independent survey consultant Jetty Research, is part of community engagement to help produce a Tweed River Estuary Coastal Management Plan. Visit yoursaytweed.com.au/ tweed-river-estuary for a link to the online survey, while printed copies are available at Council’s Murwillumbah and Tweed offices and the libraries.

“We want to know how people use the river and its surrounds and what they value about the Tweed River Estuary,” Council’s Director of Community and Natural Resources, Tracey Stinson, said.

“What do they think of the river’s health and what do they think of the various practices to manage it.”

Jetty Research last month conducted a phone survey of randomly selected residents to get a statistically representative sample of community views for the management plan.

“The community survey

neighbourhood news

seniorsnews.com.au Monday, October 17, 2016

expect, the villainous Sheikh Mustafa Leikh and his band of incompetent forty thieves (no wait that’s now 35 thieves) are waiting in the wings ready to scupper Ali’s plans and receive plenty of boos along the way.So come and join the Baba family and friends (including Kamil, the dancing camel and Mum Baba, our beloved dame) through the twists and turns of a great story as they head towards the inevitable happy ending. With plenty RIVER MANAGEMENT: The community survey asks people how of songs to sing along to, they use the Tweed River estuary and how they think it should be plenty of chances for managed. audience participation and of course, laugh out replicates the questions communityspaces@ loud moments galore, this in that phone survey, so ballina.nsw.gov.au and is a show not to be everyone now has the include preferred dates, a missed. Ali Baba will show chance to give their synopsis and sample of at the Murwillumbah Civic feedback on the use and the proposed work.

Centre on October 22 at preservation of our iconic 5.30pm, October 23 at Tweed River,” Ms Stinson 2pm, October 29 at CALDERA COUNTRY said.

7.30pm and October 30 The survey will be open MUSIC CLUB at 2pm. Tickets are $15 for feedback until THE popularity of Caldera for adults and $6 for November 7. Visitors to Country Music Club is just children, available at yoursaytweed.com.au/ growing out of sight. Last trybooking.com/MZDB tweed-river-estuary can month so many great from Electronics also share their stories entertainers visited Murwillumbah, Main about the river and find Caldera and they played to Street (cash only) and at out more about the yet another packed the door. For inquiries, call management plan. audience. This coming Ken on 02 6672 2329. month’s afternoon on Sunday November 13, is FESTIVAL AND NEW EVENTS AT free and gets underway at EVENT SUPPORT LENNOX noon DST at South Tweed PROGRAMMING for new Sports Club. Great dance PROGRAM Lennox Head performance floor. Just bring along BALLINA Shire Council’s and events venue three chorded charts for Festival and Event commences. Park Lane Sandfire backing band if Support Program opened Theatre in Lennox Head is you’d like to have a sing.

September 28. The inviting artists, producers For more information program is a great and promoters to join its please give Gail a call on opportunity for community inaugural entertainment 0419 282 471. event organisers to program in 2017. After a access about $100,000 successful launch in of funding for their festival March 2016, the Northern ALI BABA AND THE or event for the Rivers’ newest live music 40 THIEVES 2017/2018 financial year. and events venue is THIS year’s seasonal Over the years, the seeking high-quality pantomime from the program has funded many music, theatre, dance, Murwillumbah Theatre events including: and performance art Company is ‘Ali Baba and Alstonville New Year’s Eve productions. the Forty Thieves’ by Ben Family Festival, Ballina Community-focused Crocker. In sunny Baghdad Prawn Festival, Ballina events are especially we meet Ali Baba, who is Coastal Country Music encouraged to apply. It is down on his luck and in Festival, Ballina Fine Wine one of the best-equipped love with our the lovely and Food Festival, Love spaces between the Gold Safiya who is a slave girl Lennox Festival and Coast and Coffs Harbour in Ali’s brother’s Skullcandy Oz Grom Open and an ideal location to household. But Ali’s luck (junior surfing event). Visit visit for touring changes when he ballina.nsw.gov.au/p artists.Interested parties stumbles across a /festeventsprogram. are invited to email an magnificent cave of Applications close Expression of Interest to treasures. But as you’d November 4, 2016.

Seniors News

FESTIVAL FUN: Kick back & enjoy a great range of movies

Documentary a feature at Byron International film fest FOR A film experience with a difference don’t miss the Byron Bay International Film Festival, celebrating its 10th year.

It will run from October 14-23 over several venues with more than 200 movies and 50 sessions including world and Australian premieres.

BBFF encourages filmmakers and audiences to open their eyes, minds and hearts to new possibilities and experiences. A spokesman said: “Filmmaking has always sat at the cutting edge of innovation, design and exhibition. It is a true collective endeavour which encapsulates a variety of team members and highlights their creative skills.”

The range of films to be screened is diverse and dynamic. The BBFF team is passionate about supporting independent filmmakers in all stages of their careers and creating positive opportunities wherever possible.

Among the movies to be shown is The Bentley Effect, a powerful documentary about the growth of the social movement that blocked the incursion of CSG exploration into the Northern Rivers, which will

❚ BBFF’s HQ is the Byron Community Centre, 69 Johnson St. ❚ Other venues: Northern Rivers boutique independent cinemas: Byron’s Pighouse Flicks, and the Palace Cinema, Lismore’s Starcourt Theatre, Ballina Fair Cinemas and Murwillumbah’s Regent Cinema. ❚ Visit: http://bbff.com.au have its world premiere at the festival.

Made by Alstonville father Brendan Shoebridge, the film is “primarily a celebration of the power of ordinary people to stand up to and defeat corporate forces intent on steamrolling community wishes”.

“It is also a testimony to their courage and creativity, and to what it cost in blood, sweat and tears, as well as an important and necessary historical record.”

The film features expert talking heads but focuses more on the men and women committing themselves to protecting the land from the miners’ depredations.

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

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

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To find out more about advertising in Seniors Northern NNSW, Seniors Coffs and Clarence or Seniors Central Coast and online, call media sales consultant Daniel Clarke on 1300 880 265 or get in touch at daniel.clarke@seniorsnewspaper.com.au

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16 Seniors Northern NSW

Monday, October 17, 2016 seniorsnews.com.au

out and about

Northern NSW

Seniors 17

A chat is all it takes ONCE a fortnight, as per his diary, Hess Strengers visits George in his high-care unit.

It’s not an arduous task. George is knowledgeable and articulate, yet a series of life changes has left him bedridden and isolated.

Hess visits George as part of the Community Visitors Scheme, which supports isolated residents in governmentsubsidised aged care.

Program is lending a friendly ear to lonely aged care residents The program aims to enrich the quality of life of residents who would benefit from a friendly visit.

Hess sits with George for an hour.

“George just likes to talk and needs someone to listen. He’s from the Eastern Bloc, was brought up under communist rule,” Hess said.

“He’s knowledgeable on

geography and history – not too many people are prepared to listen to that.

“I’m a good listener. It’s getting to the point where we have a little bit of conversation.”

Hess believes his visits are important for George.

“If they have no family or friends, the only people around are staff from the institution.

“Their need is people

❝

Their need is people contact, and being able to talk without restriction about the past and review their own life.

contact, and being able to talk without restriction about the past and review their own life.”

What does Hess get out of it? “We are all driven by different needs. Mother Theresa got her buzz out of helping others.

“I’m no Mother Theresa, but there is a satisfaction in seeing George. The relationship is moving on – there is a

If These Halls Could Talk events continue TRANSFORMED local halls have become the site of arts events for the Arts Northern Rivers’ If These Halls Could Talk season.

Arts Northern Rivers chief executive officer Peter Wood said If These Halls Could Talk was an ambitious program that moved across performance, installations and film to inject new life into community venues.

“The artists have produced bold and captivating new works which will activate these historic spaces, giving new life and creating new memories for these halls,“ he said.

The program touches on theatre, music, opera, visual arts, film and circus and kicked off with a live art event by international artist Craig Walsh at The Channon Hall on September 17.

In mid October, Meerschaum Vale Hall in the Ballina Shire hosted Land to Vale, a film premiere by HW Collective, whose films were official selections for the Flickerfest International Short Film Festival, Oberhausen Film Festival in Germany and Tres Court International Film Festival in Paris.

Land to Vale traces Meerschaum Vale’s history from its traditional indigenous

VISUAL POEM: Land to Vale film part of an ambitiious arts program to feature in local halls.

landowners through to modern-day, fourthgeneration farming families, weaving rich archival material with present-day footage into a hauntingly beautiful visual poem. Local Yaegl woman and visual artist Frances Belle Parker will transform Eatonsville Hall through a large-scale immersive installation titled Can You Hear the Whispering Walls, which maps the land, the hall

and the people of Eatonsville.

NORPA’s new work Dreamland will open on November 23 at Eureka Hall in the rolling hills of the Byron Bay hinterland, while west of the ranges in Bonalbo on December 10, story Bonnywood Rising will be told.

The four-month program closes with Tumbulgum and the Countdown to Midnight at the First Supper

Between Now and Forever – a heartwarming performance by Opera Queensland – on December 16 and 17.

Mr Wood said the events were of exceptional quality and truly not to be missed.

“The scale and calibre of the If These Halls Could Talk events is something rarely seen outside of metropolitan centres,” he said.

“We are also pleased

PHOTO: KATE HOLMES

that many of the events are free of charge, so we encourage everyone to book their tickets early and take this opportunity to experience the diversity of stories and people of our region, told through the eyes of our community halls.”

The full program can be found on the If These Halls Could Talk website.

The project is funded

by Arts NSW Regional Partnership funding.

Unique insights into the genius of artist Margaret Olley YOU can join an exclusive tour of the Margaret Olley Art Centre with Meg Stewart — filmmaker, journalist and author of the award winning biography Margaret Olley: far from a still life.

Meg Stewart will provide insights into Olley’s life in relation to

the current exhibition Margaret Olley: from the collection as well as the permanent home studio re-creation.

You will hear fascinating stories from Meg about the time she spent in Olley’s Duxford St home studio, interviewing Olley for the

biography, a comprehensive yet warmly intimate portrait of one of Australia’s most celebrated painters.

The evening includes drinks and canapés and a fabulous dinner by the Gallery Café showcasing the Tweed Valley’s fresh produce. This is a Tweed

Regional Gallery event in conjunction with Tweed

Fusion and is sponsored

by Tweed Shire Council.

FAST FACTS ❚ Date: Saturday, October 29, 6.30–10pm ❚ Cost: $115 ❚ Phone: 02 6670 2790 Wednesday – Sunday, 10am–5pm ❚ Location: 2 Mistral Road, Murwillumbah South

connection,” he said.

“I enjoy it because I know increasingly the joy it brings to George. It’s an exercise where you consider bringing joy to others, not yourself.

“It’s such a small thing but so important to that person. There are a lot of lonely people out there.”

Hess is also aware it could just as easily be him in George’s shoes.

“But for the grace of God…” he said.

A rare rescue of a feather tail glider A CHANNON resident recently found a little feather tail glider clinging to her veranda railing after a windy night. The kind lady was able to carefully bundle her into a container and call Northern Rivers Wildlife Carers hotline number for advice.

Being the closest member of the group she delivered the little bundle to me. Over 20 years of being a wildlife carer I have only had one other feather tail glider, an adult, in care as they are very secretive nocturnal mammals and very rarely seen in the wild. They live high in the treetops and glide around at night eating flowers and small insects.

As adults are around nine gms, this little girl weighing in at a huge five gms was only a teenager.

Miss Tiny proved an excellent guest, eating up her dinner of flowers and fruit. After four days of pampering she was able to go back to her family in the trees.

A few weeks later another feather tail glider came onto my care. This time it was an adult that had been found on the back of a cat. How she came to be there was anyone’s guess! Luckily the cat’s family rescued her in time and took her to the local vet where she was given some antibiotics and came to live with me. After five days of care the little one was returned back to the wild.

For more information and rescues please phone our 24/7 hotline on 6628 1866 or email to info@wildlifecarers.com website wildlifecarers.com

18 Seniors Northern NSW

seniorsnews.com.au Monday, October 17, 2016

finance Pension increase

FOR those on the Age Pension, the future looks somewhat brighter with an increase in their payment rate in effect from September 20.

The Age Pension payment rate will increase by between $2.50 and $3.20 per fortnight from that date, depending on personal circumstances.

For example, a single person on the base payment rate will see their fortnightly payment rise by $3.20 to $877.10 a fortnight (based on the base rate, supplement and energy supplement).

Meanwhile, a couple on the base payment rate would see a $2.50 increase each in their fortnightly payment, leaving them with a combined fortnightly payment of $1322.40 (based on the base rate, supplement and energy supplement).

Recipients of other payments, including Newstart Allowance, Disability Support Pension, Carer Payment, Widow Allowance, Partner Allowance and Sickness Allowance will also receive an increase.

A $6.3 billion budget savings deal brokered between the Coalition and Labor this week has spared proposed cuts to Newstart and pension payments.

Alternatives to the usual home

TUNED UP FOR THE THIRD AGE PAUL McKEON HERE’S another option to consider if you’re looking to find a property that better suits your current lifestyle.

Buy it in conjunction with your adult children.

You can buy and renovate, or build a property big enough for two families, which gives both the lifestyle they want at a lower cost than buying it as an individual or a couple.

This type of purchase is called ‘a co-ownership agreement’ and it offers flexibility and good asset protection.

Some of the ways which co-ownership agreements can be used are: ■ Parents and their adult son’s or daughter’s family can buy a block of land together and construct a purpose built dwelling which satisfies the living requirements of both the older parents and the younger family.

THINK MONEY PAUL CLITHEROE

EXPLORE OPTIONS: Looking to downsize? Your kids could help.

■ Parents and their adult child can purchase a block of land containing a duplex, two townhouses or two villas and each group can live in a separate home on the same block.

■ A widowed parent could build a granny flat onto their adult child’s house.

You would need to get legal advice relating to your own situation, but generally speaking,

co-ownership agreements offer legal protection to both parties. A common solution is to have a joint tenancy agreement between the parents and the adult child.

This provides good protection to the younger generation, as the deceased parents’ share automatically gets passed to them. This means that other siblings can’t force the younger generation to leave the property after

their parents have died.

Depending on the parent’s will, there may have to be some compensation paid to the other siblings. This should all be spelt out in the original co-ownership agreement.

There are lots of good ideas on how you can enjoy a better lifestyle in your 60 plus years in our range of books. You can find out more about them at mylifechange.com.au

Superannuation reforms to hit older workers, women THE Federal Government’s watered-down superannuation changes recently announced are likely to be a blow to older workers and women.

The final release of the proposed changes saw the government seek to recoup the cost of its backwards step on the proposed reform to the non-concessional cap by making two other amendments that will largely impact women and those aged between 65 and 74.

Firstly, the proposal to repeal the work test for people aged between 65 and 74 years will not go ahead. This is despite the draft regulation to repeal the work test having been released last week for public comment.

The measure – which has now been dumped – would have harmonised the rules for older workers

with those applicable to taxpayers under the age of 65. It is expected that scrapping this reform will save $180 million over the forward estimates.

Secondly, the government has also deferred the proposal to allow catch-up concessional superannuation contributions. This will have the biggest impact on women who would have used the measure to catch up on superannuation contributions after taking time out from the paid workforce.

The proposal to allow unused concessional cap balances to be carried forward for up to five years, has been deferred to July 1, 2018, saving about $400 million over the government’s forward estimates.

The changes are the

Check all the small print for loan rate

result of the government trying to recoup funds after announcing that it had dumped its much-touted $500,000 lifetime cap on after-tax super contributions, which was to be backdated to 2007.

Instead, it has been replaced by a new measure that reduces the existing annual non-concessional contributions cap from $180,000 per year to $100,000 per year, with a three-year bring-forward, until a lifetime cap of $1.6 million is reached.

Treasurer Scott Morrison revealed the revised plan, which will leave the pre-budget rules in place until June 30, 2017. As a result, a rush on super contributions by wealthy savers is tipped before the end of the financial year.

The change to the

proposed reform to the non-concessional cap is estimated to cost the budget $400 million over the forward estimates money which will be recouped by the modifications to the two reforms listed previously.

A joint statement by the Treasurer Scott Morrison and Minister for Revenue and Financial Service Kelly O’Dwyer said: “In order to fully offset the cost of reverting to a reduced annual non-concessional cap, the government will now not proceed with the harmonisation of contribution rules for those aged 65 to 74.

“While the government remains supportive of the increased flexibility delivered by this measure, it can no longer be supported as part of this package, without a net cost to the budget.

“Individuals aged 65 to 74 who satisfy the work test will still be able to make additional contributions to superannuation. This will encourage individuals to remain engaged with the workforce which is of benefit to the economy more generally.

“In addition, the commencement date of the proposed catch-up concessional superannuation contributions will be deferred by 12 months to July 1, 2018, to ensure the full cost of changes to non-concessional contribution arrangements are met over both the forward estimates and the medium term.”

Fact sheets on the superannuation changes are available at treasury.gov.au/Super Reforms.

IF YOU’RE in the market for a home loan, be sure to check the “comparison rate” as well as the headline interest rate.

It could be the key to avoiding a loan stacked with unwanted fees and charges.

Whenever you see a home loan advertised, chances are the main rate is advertised in big, bold font. Somewhere close by (in a less prominent font) will be the comparison rate.

It’s an important piece of information but a survey by CUA found less than one in three Australians understood what the comparison rate was all about.

By way of background, lenders are required by law to advertise both the main interest rate as well as the comparison rate.

It’s designed to help consumers make better choices because the comparison rate incorporates the annual interest rate as well as the cost of most upfront and ongoing fees. So it’s a reasonable guide of the true cost of a loan.

Some seemingly cheap home loans – with a lower interest rate – can be laden with fees that make them not so cheap at all.

The comparison rate reveals this and enables borrowers to compare loans on an apples for apples basis.

To give an example, a $300,000 loan with an annual rate of 4.0% can look very attractive.

But if it comes with upfront fees of $800 and monthly fees of $35, the comparison rate will rise to 4.22% – far higher than the stated interest rate.

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

Monday, October 17, 2016 seniorsnews.com.au

advertorial

Northern NSW

Seniors 19

wellbeing Keep any dental problems in check Advertorial

OCCASIONAL toothache due to a lost filling or broken filling may initially cause only minor inconvenience.

Without prompt dental attention, this pain will become more severe, causing problems throughout the day such as eating and at night-disturbing sleep.

How long can you survive on painkillers?

Painkillers bought over-the-counter for relief from toothache should not be taken with some prescribed medicines as this combination can cause major medical problems.

Some “stronger” painkillers can also

cause drowsiness and dizziness.

These unexpected effects can involve any medication which may be over-the-counter, “alternative” or even a prescribed medicine.

Don’t rely on painkillers.

Minimise unexpected problems by regular dental care and make sure you have ‘Dentist In A Box®, the “no mess/no fuss” kit for common dental problems.

About the size of a CD case, ‘Dentist In A Box® kits easily fit into the glove-box, hiking day-pack or hand bag.

Go to www.dentist inabox.com.au or call 1300 THE KIT (843 548).

Technology can ensure security “FOR two daysI lay on the floor of my home in horrific pain, unable to pick myself up, call for help, make it to the bathroom, unable to determine just how injured I was. Not a single soul knew I was in trouble.

“I’d never felt so ashamed or so helpless than I did during those 48 hours.

“I’d always prided myself on being able to take care of myself, but I quickly realised just how vulnerable I was.

Lucky for me, my story has a happy ending.

I was thankfully found and given the care I needed.”

“But the whole episode was traumatising. I didn’t know during the 48 hours I was stranded, that I was going to be found in two days.

Afterwards I suffered from anxiety and panic attacks.”

This is just one of the true stories inspiring EMS to find solutions to keep people in their homes safely for longer.

With the safeTcare

model, our clients are monitored 24 hours a day, seven days a week, 365 days a year.

The device is the latest technology and, more importantly, simple to use.

Everyone deserves the freedom to take charge of their independence and stay in their own home for as long as they safely can.

Words like dignity, spring to mind.

Since the 1990s we have provided solutions to both the security and Emergency Medical Alert Services.

The security industry has many rules and regulations, the medical alert industry does not.

Standards for this industry must be created and, as a company, act accordingly.

It is our goal to see this materialise. Paul Joseph safeTcare Team Captain Government Licensed Security Advisor – Monitoring Specialist P 5634 4047, E paul.joseph@emsas. com.au

Need better sleep?

ARE you excessively tired during the day?

Do you wake up feeling unrefreshed?

Are you grumpy and moody?

You could have sleep apnoea.

Men with obstructive sleep apnoea have repeated partial obstruction of the upper airway during deep sleep and this results in snoring and episodes of ceasing breathing for short periods of time.

When this occurs, the oxygen levels in the blood begin to fall and carbon dioxide levels rise until a protective mechanism kicks in and the body is startled to wake from the deep sleep.

Each time the sufferer goes back into the deep sleep, the same thing occurs and this can happen many times during

GOOD MEDICINE Dr MICHAEL GILLMAN each night.

As a result, there is insufficient deep sleep and ongoing tiredness occurs.

It is often your bed partner who notices the snoring, the gasping and tossing and turning etc.

Apart from the tiredness and grumpiness, obstructive sleep apnoea can also cause more serious health issues such as high blood pressure, heart disease, stroke, erection problems, low testosterone levels and depression.

Men with obstructive sleep apnoea are also two

and a half times more likely to be involved in a motor vehicle accident because of decreased concentration and slower reaction times.

Most men with obstructive sleep apnoea are overweight.

However some men will have narrow facial structure or narrow throat and can still have the condition even if they are not overweight.

Sleep apnoea is diagnosed with a sleep study which will measure the stages of sleep and the number of arousals from deep sleep and the oxygen levels.

This study can be dome in a sleep laboratory or at your own home.

The results are analysed and a diagnosis is made.

Treatment includes losing weight if you a.

are overweight or obese.

It may also include various devices such as mouth splints through to Continuous Positive Airway Pressure masks (CPAP devices).

There are even some surgical options that can help if there is an abnormality of the anatomy of the upper throat.

Your sleep physician will advise on the best therapy for your particular condition.

So if your partner says that you snore and gasp at night, it would be worthwhile seeing your GP for a referral for a sleep study.

Not only will you feel brighter, happier and more alert, it may stop you from developing other serious health complaints.

DrMichaelGillman.com

Individual care for you at Superclinic WOUNDS can occur through various methods such as accidents, surgical procedure or may develop as a result of underlying conditions or disease.

For the majority of people acute wounds will heal in a well-defined process, however for a large number of people, wounds fail to heal in a timely fashion.

Many conditions lead to chronic wound ulceration especially in the lower limbs, such as venous disease, arterial insufficiency, pressure related injuries, and complications related to diabetes. The statistics are alarming that every three hours, one Australian loses a lower limb as a direct consequence of diabetesrelated foot disease.

The Tweed Health for Everyone Superclinic is a medical home which puts patients and their families at the centre of their health and medical care.

The clinic is co-ordinated

by Gerard Robards who

CENTRE OF CARE: The wound clinic is co-ordinated by Gerard Robards and Alex, a wound care nurse.

holds a Masters in Wound Management and is supported by a dedicated team of nurses including Alex and Amanda who are committed to ensuring the best possible up-to-date practice is implemented to achieve outstanding healing rates for incredibly challenging wounds. The wound clinic is supported by the talented array of specialised physicians who dedicate commitment and knowledge, ensuring no stone is left unturned in our goal of treating each individual patient and our goal of wound healing. As part of the medical home model, we

acknowledge the importance of a multidisciplinary approach to healing wounds, and you will also have the opportunity to engage in treatment where identified by our dedicated and highly skilled allied health team including podiatry, physiotherapist and dietician. We offer treatment for all wound types such as post surgical wounds, lacerations, skin tears, bites and burns to the more complex chronic ulcerations related to malignancy, venous and arterial disease, pressure ulceration and diabetic

foot wounds. The wound clinic works closely with our skin specialist team within the superclinic ensuring the most up-to-date practice for excisions and grafting of lower leg skin cancer removal and offers diagnostic studies, wound debridement, Negative Pressure Wound Therapy, shockwave therapy, compression bandaging and fitting for compression stockings, cost-effective dressing selection and application, pain management and treatment of infected wounds.

We accept referral from private and public hospitals, residential facilities, community health organisations, GPs and self referrals. From babies to the aged, if you need wound management or a second opinion don’t hesitate to contact us at Tweed Health for Everyone Superclinic, 33-35 Corporation Circuit, Tweed Heads South. Phone 5589 7555 or go to www.thesc.com.au.

20 Seniors Northern NSW

seniorsnews.com.au Monday, October 17, 2016

travel Alaska’s rich history Ann Rickard

FOR SENIORS who insist on comfort when they travel but like a bit of robust adventure, the options are often limited.

A cruise to Alaska tops the list if you enjoy frontier towns with a rich past and don’t mind the occasional bawdy saloon.

Holland America’s mid-sized ship, Nieuw Amsterdam, is your go-to for luxury and adventure. It took us to Inside Passage on a week-long round trip from Vancouver, visiting Juneau, Skagway and Ketchikan.

The ship docked in the heart of each town – easy to disembark to explore on foot and later go into the wilds for offshore excursions involving seaplanes, helicopters and trains.

The raw beauty of Alaska’s frontier towns with their rainforest mountainsides, serene waterways and beautiful lakes played backdrop to an undiscovered world to us.

In Juneau we stepped back in time at the Red Dog Saloon, where the raspy voice of the old bloke on the piano brought to vivid life the heyday of the glorious gold mining era.

In Skagway, the boom town

gateway to the Klondike Gold Fields, it wasn’t difficult to imagine the town packed with 20,000 feverish gold seekers.

The historic buildings are protected and most of them are home to jewellery stores.

In Ketchikan, the Creek Street Historic District was once a notorious red-light district (1902–54) but is now a boardwalk above Ketchikan Creek. The old houses of ill-repute are now home to respectable gift shops, although Dolly’s House, where the infamous Madam Dolly lived and worked from 1919–70, is now a museum.

From Skagway we boarded a train for the White Pass Railroad trip, a journey giving insight into the vision to build a railroad under hazardous conditions to get hopefuls to the goldfields by train rather than journey on horse and foot over treacherous land.

Tunnelling through mountains, building bridges and sky-high trestles on turns of 16 degrees was difficult enough in the 1800s without also freezing winters to contend with.

The astounding engineering feat of the railroad was apparent from the moment we

left, leading through granite mountains, up steep grades and around cliff-hanging turns.

There were gasps of awe as the train rattled along its narrow tracks and every kilometre brought discovery: misty valleys, mountain lakes, waterfall cascades, yawning chasms and lush forests. Someone spotted a moose and we crowded the windows for this rare sighting.

From Ketchikan we took a seaplane for an exhilarating 20-minute flight to Neets Bay, gliding over the mountain peaks of Revillagigedo Island.

We landed on the calm and pristine water in this unspoilt place, where just seven people live and operate a salmon hatchery, ever mindful they share the island with wild bears.

After a short walk with a guide armed with pepper spray, we

arrived at a gushing salmon-filled stream.

Out of the thick woods, a large black bear loped down to the stream. Seconds later he’d caught his first salmon – the fish practically leaping out of the water into the bear’s mouth – and a few minutes later another bear poked her head out and made her way to the river.

But there were more. Out came two small cubs, their little black bodies bobbing like yo-yos on the grass as they gambolled after their mother.

Alaska delivered up one highlight after another. The day cruising in Glacier Bay was a highlight. This stunning place of mountains, fjords, glaciers, rainforest, wildlife and coastline is home to the massive ice-blue, 34km-long Margerie Glacier.

The majesty of Glacier Bay

Join Us Online Get online to find your news, your way.

silenced everyone on board as she cruised the icy waters.

When several kayakers came into view, tiny and gliding silently and reverently along the base of the mighty Margerie Glacier, they portrayed the true picture of the enormous block of moving ice.

Nieuw Amsterdam is a moving luxury hotel with so much to do you must consult your daily newsletter and plan with military precision.

A premium wine tasting? Art auction? Technology lesson?

Cooking demonstration?

Pampering in the spa? An informative lecture? High tea?

Dinner in one of the three speciality restaurants or a sample of the extravagant smorgasbord at the Lido Market?

This cruise deliveries a lot and seniors made up a good majority of the 2000 passengers, definitive proof we’re up for adventure – as long as it comes with the bonus of comfort.

■ From $1499pp (April 29, 2017, departure).

MORE DETAILS: Holland America Line on 1300 987 322.

Ann Rickard was a guest on board Nieuw Amsterdam.

Feeling social?

Join the conversation!

Visit us at seniorsnews.com.au

Northern NSW

Monday, October 17, 2016 seniorsnews.com.au

Seniors 21

AMAZING RIVER CRUISE DEALS

Tripaway Cruise & Travel

1300 737 544 tripaway.com.au p y

deals@tripaway.com.au

*Terms & Conditions: Pricing is dependent on availability & will be confirmed at time of reservation. Book a 2017 Europe riiver cruisse of 15 days y or more & receive $2,000 $ , p pperson towards flights per g or book a cruise of 7-14 days y too receive $899pp $ towards flights. Offers valid for new 2017Europe bookings made from 18.9.’16-31.10.’16 and is applicable to all cabin categories. A non-refundable non-transferable deposit of $500pp/cruise is required within 7 days.

Applicable flight credit will be applied as a discount on the cruise booking at time of reservation. Airfare booking & any associated restrictions/conditions are the responsibility of the customer and/or their agent. If cruise is cancelled, airfare credit will be forfeited. Offer will be calculated on standard brochure itinerary duration. Offers cannot be combined & are only combinable with 5 Journeys Club discount. Offers valid for singles (supplement applies). Offers can be withdrawn. For full terms & conditions see your Tripaway Cruise & Travel consultant. Travel Schmoo Pty Ltd trading as Tripaway Cruise & Travel is independently owned & operated under license from American Express & helloworld.

Murwillumbah Tweed City Tweed Heads Coolangatta Elanora

Main St, Murwillumbah Tweed City Shopping Centre Tweed Mall Shopping Centre The Strand at Coolangatta The Pines Shopping Centre

22 Seniors Northern NSW

travel

seniorsnews.com.au Monday, October 17, 2016

Opulent Princess cruise Majestic Princess dubbed the most luxurious ship in fleet

Cruises’ award-winning master chef Alfredo Marzi.

To top it off, a wide selection of all-day gastronomy in the World Fresh Marketplace is where guests can taste flavours from around the world.

Influenced by fashion, art and history, the interior design presents a sophisticated visual experience, representative of travelling the world.

European marble, mosaic tile floors, polished woods and sumptuous fabrics are featured on board the ship alongside plush custom-designed carpets and hand-tufted rugs.

More than 80% of the staterooms include a private balcony and the new Princess Luxury bed, featuring a custom-made mattress developed by United States sleep expert Dr Michael Breus.

The first two shows scheduled are Fiera and Fantastic Journey, which have met enthusiastic international acclaim

LUXURY CRUISING: Influenced by fashion, art and history, the interior design presents a sophisticated visual experience, representative of travelling the world.

PHOTOS: CONTRIBUTED

across the Princess fleet.

These shows feature a world-class cast of singers and dancers, with elaborate production numbers, costumes and multimedia stage technology.

Majestic Princess will sail on her inaugural voyage on April 4, 2017, for a five-day Adriatic Sea cruise round trip from

s u o i r Glo s c i s s a l C

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MAJESTIC Princess will offer guests enticing features and experiences, including two new specialty restaurants.

Harmony, created in partnership with chef Richard Chen, formerly of Wynn Las Vegas (North America’s first Chinese restaurant awarded a Michelin star), will serve haute Chinese cuisine – Chef Chen’s interpretation of classic Cantonese dishes.

Le Bistrot will offer casual French home-style dining with a modern twist. Reminiscent of a Parisian bistro, it offers dishes like traditional escargot casseroles, braised ox tongue and mushroom ragout, along with baguettes, tarts and pastries.

Popular culinary offerings from sister ships Royal Princess and Regal Princess will be aboard Majestic Princess, including the exclusive Chef’s Table Lumiere, the award-winning Crown Grill and Bar and Alfredo’s, named after Princess

proudly presents: presents

Rome, with stops in Kotor and Corfu.

Following her maiden cruise, Majestic Princess will tour Europe on cruises of seven, 14, 21 and 28-day duration, departing from Rome, Barcelona or Athens.

For more, visit www.princess.com, phone 13 24 88 or see a licensed travel agent.

CRUISING: A beautiful way to travel.

22nd AnnuAl Tweed Orchid ShOw And FAir

Conducted - Nicholas Routley Soloist - Gaynor Morgan

Brahms: Symphony no. 3 Tchaikovsky: Capriccio Italien Ravel: Sheherazade Berlioz: Vilanelle from Nuits d’Ete Date:

Sunday 30th October 2016

Time:

2.30pm - local NSW time (1.30pm QLD time)

Venue: Tweed Heads Civic Centre Brett St, Tweed Heads Tickets: General $45, Concession $40, Students $20, Children 15 years and under free

Tickets can be purchased at: www.nrso.com.au Murwillumbah Music on 02 6672 5404 (credit card facility) Box Office at Tweed Heads Civic Centre Mon 24th – Fri 28th October 10am - 3pm (cash only please) Tickets also available at the door if not sold out (cash only please)

EnquiriEs & Bookings 0466 819 154

Northern Rivers Symphony Orchestra www.nrso.com.au

Presented by Tweed District Orchid Society…

And proudly supported by…

Tweed CiviC CenTre

Cnr Wharf & Brett St.,Tweed Heads, NSW 2485 Saturday, November 5, 2016 – 8.30am to 4pm. Daylight Saving Time Sunday November 6, 2016 – 8.30am to 2pm Daylight Saving Time

Fully Judged Orchid Show Top Queensland, interstate and local vendors with orchids, bromeliads, African Violets, potting mixes and fertilisers etc for sale.

Light refreshments

Admission $3

Enquiries 0418 743 482 • 0416 114 007 • 02 6674 2025

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Northern NSW

Monday, October 17, 2016 seniorsnews.com.au

Seniors 23

what’s on Grand dates

IN BRIEF LAUNCHING CLOUD LIBRARY AT COFFS HARBOUR

Bring grandkids to the gallery GRANDPARENTS are invited to bring along their grandchildren for a fun introduction to art at Tweed Regional Gallery and Margaret Olley Art Centre.

The playdates are a new initiative of the gallery’s Early Learning Program, which focuses on children up to the age of five and recognises the important role a gallery environment can play in early childhood development.

The playdates, started this month, will explore the gallery’s current exhibition, Margaret Olley: from the collection, with a specially commissioned set of playful art toys made by local textile artist Helle Jorgensen.

Ms Jorgensen took inspiration from Margaret Olley’s artworks and made

the toys entirely by hand.

The gallery’s education and audience development officer Jodi Ferrari said the playdates were a great way to introduce young audience members to the gallery setting.

“Parents or grandparents can use the soft toys for role play or to start talking with their little ones about the artwork,” Jodi said.

“They could even create new stories inspired by their favourite paintings in the exhibition. They could try catching some fish in the nets, making a new still-life scene with flowers and fruit, or play I-Spy.’’ The gallery will open slightly earlier on the day of each playdate so families can enjoy a quiet experience.

Toys made by Helle Jorgensen.

PHOTO: CONTRIBUTED.

EVENT DETAILS What: Art Play at Tweed Regional Gallery Who: Children up to 5 years, with their carers When: November 11 and December 9, 9.30-10.30am Cost: Free – One adult per child please.

Art show draws large crowd

Glorious Classics concert

A LARGE crowd attended TinCAN Art Exhibition at the Tintenbar Hall on September 23. TinCAN chair Lynne Davies said the event for the Community Aid Network was a great success.

Prizes went to: Abstract: Di Bell’s In Every History.

People/Animals: Melissa Wright’s To the Tea Party.

Landscape: Elizabeth Forman’s Autumn Rainforest. Still Life: Rena Hurley’s Peony

THE Northern Rivers Symphony Orchestra will host the Glorious Classics concert with conductor Nicholas Routley and guest soloist sSoprano Gaynor Morgan on October 30, at the Tweed Civic Centre, from 2.30pm.

Pianist, composer and musical theorist Nicholas, was associate professor at the University of Sydney’s Department of Music, from which he retired from in

Paige Ingleman accepts her award.

Therapy. Boral Prize: Melissa Wright’s To The Tea Party. People’s Choice: Dellene Strong’s Beach.

Packers’ Prize:. Janet Hassel’s Afternoon Shadows. 9-16 years: Paige Ingleman. Under nines: Cedar Pick.

cloudLibrary provides access to a broad range of eBooks and eAudiobooks within one app, allowing borrowing and downloading in one easy step.

Synchronise titles, bookmark your reading position, highlight a favourite title, and easily return titles early.

Coffs Harbour Libraries will be running sessions on Introduction to cloudLibrary in November 2016 as follows: ■ Coffs Harbour: November 14, 10.30am to 12.30pm ■ Woolgoolga: November 24, 2 to 4pm ■ Toormina: November 28, 10.30am to 12.30pm

BOOK LAUNCH AND CEMETERY TOUR

Gaynor Morgan.

2007; and was founding director of the Sydney Chamber Choir.

Gaynor studied at the Guildhall School of Music and the European Opera, Belgium.

Coffs Harbour Regional Museum wiil launch Ruth Morrow’s Coffs Harbour Historic Cemetery on October 22, from 1.30pm for 2pm.

Following the official launch will be there will then be a guided walk through the cemetery.

All are welcome.

Entry to the launch and walk are free, but

RSVPs are essential.

Call 6648 4847 or via museum@chcc.n sw.gov.au to secure your place.

SOCIALS

TINCAN(Tintenbar Community Aid Network) runs a series of social activities at the Tintenbar Hal l.

Dates for upcoming activities are as follows: SCRABBLE: October 27, 10am-noon. CARPET BOWLS: October 21, 10am-noon.

ALL ABOARD! The Tintenbar-Ballina Shuttle BUS provides a social outing every fortnight: Do your shopping, have a walk along the river, go to the library or do those vital errands.

Starts pickup from home at 9am Thursdays ,October 20, goes Ballina CBD and Ballina Fair (there is a small charge for bus) More bus travellers very welcome.

Call Marg on 6687 8033 for more.

MUSIC CLUB

Ballina Country Music Club’s Live Country Music Social is on November 6, at the Cherry Street Sports Club, 68 Cherry Street, Ballina.

Starting at 12 noon until 5pm. Entry if free.

Win Marcia Hines Concert Tickets

Australian Talent Marcia Hines is touring! We have 1 double pass to give away for each of the following shows - Sawtell (November 12th), Ballina (December 8th) Sydney (New Years Eve).

To be in the running. simply email communitynotes@seniorsnewspaper.com.au, with the following information to form a valid entry: a. Name, email, postal address, Date of Birth, and the Seniors newspaper region they live in.

Contestants must then answer the following three questions to complete their entry. b. What is your favourite Marcia Hines song and why? c. What is your Favourite Australian musician of the last 50 years?; and d. How many times in the last month have you gone out to the movies or a show?

Good luck – and happy reading!

Visit seniorsnews.com.au/competitionterms for full competition terms and conditions. Promoter is ARM Specialist Media Pty Ltd of 2 Newspaper Place, Maroochydore Qld 4558.

Promotional period 12/10/16-04/11/16. Competition drawn 4pm AEST 14/11/16 at 2 Newspaper Place, Maroochydore Qld 4558. Winners announced in Seniors Newspapers December 2016 and online November 16, 2016. Total prize value $440 (including GST). NSW/ LTPS/16/08137.

News + LifestyLe + HeaLtH + traveL + fiNaNce + eNtertaiNmeNt

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Visit www.seniorsnews.com.au for more information.

24 Seniors Northern NSW

seniorsnews.com.au Monday, October 17, 2016

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Tip

Top up the Oil. Refill the engine oil a week or two before selling a car. That way, when the buyer inspects they’ll be able to tell you have looked after the vehicle.

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Are you getting a puppy?

Have you checked out your local RSPCA? Go to www.adoptapet.com.au to see the many wonderful puppies and dogs currently available. They’re all health and behaviour checked, vaccinated, microchipped, desexed and are waiting for their new homes.

What if you don’t find your pawfect match at an animal shelter and are interested in other options?

Follow the RSPCA Smart Puppy Buyer’s Guide and you’ll be on the right track to taking home a healthy, well-adjusted puppy. You’ll also be helping to prevent the sale of puppies from puppy farms or irresponsible breeders.

Check out the Smart Puppy Buyer’s Guide at www.rspca.org.au

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

Northern NSW

Monday, October 17, 2016 seniorsnews.com.au

Seniors 25

Flow Hive the bee’s knees CREATIVITY from a father-and-son team who “spark each other off” has been the genesis of an invention that is changing beekeeping.

Stuart Anderson and son Cedar invented, developed, crowd-funded and now export to 130 countries, The Flow™ Hive, which takes the hard work out of harvesting honey and makes it less stressful for the bees.

Stuart said that prior to 150 years ago, the only way to get honey was to destroy bee hive and sieve it to get the honey.

“Then Langstroth developed a way of making bees build in frames – you remove each frame separately, cut off the capping and spin out the honey. But you still have to pull hive apart.”

The Flow Hive is the next step.

“You don’t have to open the hive, just insert a lever and mechanism that changes the cells and channels the honey into a main trough and out of the hive.”

And they’re not going to stop innovating.

“There are a few improvements in the pipeline which will help make the experience even better for beekeepers."

Most Flow Hive sales are to the US, Europe and throughout Australia and the hives are currently mainly bought by home beekeepers.

While the hives can be manufactured in a size appropriate for business use, Stuart said most commercial enterprises had already invested in their extraction equipment.

Stuart said it cost $800 to buy a full hive. “If you’re selling by the front gate you might make $200-$400 a year, and pay the hive off in two years.”

A beekeeper from way back, Stuart said he had become a “honey connoisseur”.

“We discovered by accident that the floral essences and taste stay more present, there are not as many processes to

Inventors come up with an ingenious method of harvesting honey

BEEKEEPING: Stuart Anderson and son Cedar invented the Flow Hive.

PHOTO: CONTRIBUTED

SPECIAL OFFER ❚ Discount: 10% off for readers who use the coupon code BEEK10 at honeyflow.com.au. www.honeyflow.com.au www.beekeepers.asn. au/northern-rivers get the honey into the jar.

It was a welcome surprise."

They also found that the bees tended to produce the honey from one type of flower into one frame.

And for prospective beekeepers, Stuart said it was not hard to do.

“It’s easy to order the gear, but it doesn’t include the bees. We advise strongly that you join a local beekeeping club.

“Northern Rivers Amateur Beekeepers Association have a field day once a month where you can learn about beekeeping.

“And you’ll make connections so you can get help when you get stuck.

“On our website there are beekeeping videos and information, and there’s no shortage of information on the web."

Flow hive made from western red cedar.

PHOTO: CONTRIBUTED

Cutting edge process eases the labour pain THE Flow Hive eliminates the need to smoke the bees, dismantle the hive, remove the honeycombs and harvest the honey with a centrifugal extractor.

Instead, with the turn of a lever, the honeycomb cells open and the honey

drains down through a tube at the back of the hive, directly into a drum or jar.

The bees are undisturbed as the honey drains out from beneath their feet. When the lever is turned back, the honeycomb cells are

reset and ready to be refilled with honey.

The Flow Hives save almost all the labour involved in honey extraction. The beekeeper doesn’t even need to be there as the honey drains, but can start the process and

return an hour or so later to collect the honey.

The Flow Frames are designed to fit conventional beehives and have clear ends creating a viewing window so beekeepers can see when the comb is full and check that the

bees are healthy and happy.

"Traditional extraction of honey is very time consuming and sometimes backyard beekeepers neglect to harvest their honey because they just don’t have the time for all the

work involved," Stuart said."This system changes that. We hope it will attract young people and those in urban and suburban areas to take up beekeeping and, in turn, increase the bee population around the world."

26 Seniors Northern NSW

puzzles

JIGGERED

10/10

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.

T E T O H G E

N K S E D E D

E L V Y

S

S R E E E A

A R R A E T A

U N O W L

A

A G A R C L A Y A

I S T S O

E U R E

A N O T T

D Z E O R G A R

C A J E A S C

S E D I A D U

C F E L F P I

W O O

O N I A I M E

A S S I N U S

I R R Y E D

S T S I E G L

E M B D T

L A Y L

O C S P E

E

K K E A A L L

T T A D I N

I

I

T D S

seniorsnews.com.au Monday, October 17, 2016

QUICK CROSSWORD

Across 6. Simpler (6) 7. Speaks (6) 10. Involving greater hazard (7) 11. Mushrooms (5) 12. Summit (4) 13. Imprisoned (5) 16. Power (5) 17. Courts (4) 20. Banish (5) 21. Boating event (7) 22. Mocks (6) 23. Sickly (6)

Down 1. Likely successor (4,8) 2. In the normal manner (2,5) 3. Lukewarm (5) 4. Repressed (7) 5. Tilts (5) 8. Be indecisive (6,6) 9. Ministers of religion (9) 14. Freedom (7) 15. Strongly dislikes (7) 18. Negative (5) 19. Representative (5)

TRIO

1

2

3

4

6

5

7

8

9 10

11

12

13 14

15

16

17

18

19

20

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.

E T H E S S I U S S E E A T S E L K S

SCRUB, TAGGED, UGLIEST, VOLATILE, WHISTLING.

Good 17 Very Good 22 Excellent 29+

H U N T

A L N G E A A L T T D I U N S E T A Y

S P E L T

C E N I C O L O G Y MM I N G E S O N S O R E C OM E T O N E D B A R A C Y S E R A O D O U R W I N E D N E S T S

QUIZ

V I N T A G E O V E R E A T A L A R M S

M P A L D E A I D U E R A N S R L I E N A D

7 LETTERS APOLOGY IGNORED LEMMING MAGENTA NOISOME OVEREAT REALISE VINTAGE

1. How many ships were in the First Fleet?

2. What is the name given to the official stamp on gold and other precious metals?

3. What is a spiracle – a bush of the rose family, a respiratory opening in an insect’s body, or a winding formation in DNA? 4. Pooh-Bah appears in which Gilbert and Sullivan operetta?

5. The name of which musical instrument literally means “wood voice”?

6. With who did Bill Clinton have a relationship that was ‘’not appropriate’’?

7. In what game are unplayed pieces gathered in a “boneyard”?

8. Which singer had a hit in 1971 with “Sweet Caroline”?

A L O H A

6 LETTERS ALARMS CYGNET SCENIC STEADY

QUIZ

H A R S H

5 LETTERS AEONS ALGAL ALOHA ANGLE AVIAN CHAMP CHEAT COMET CRUET DUSTY ERODE HALAL HARSH HONED IDEAS NESTS ODOUR OVERT RUNTS SONAR SPELT

TINEA WINED YARDS

C H E A T

4 LETTERS COME DUAL HUNT LENS NEAT PLEA RACY RIND SORE SOWN

THAI TUBA

WORDFIT

Solution opposite

3 LETTERS ART ASH COB DIE DIN EAT ELM ERA LEA MAD SON URN

1 11, 2 Hallmark, 3 A respiratory opening in an insect’s body, 4 The Mikado, 5 Xylophone, 6 Monica Lewinsky, 7 Dominoes, 8 Neil Diamond.

Fit the words into the grid to create a finished crossword

ALPHAGRAMS

WORDFIT

WORD GO ROUND

E D

R A

CURBS GADGET USE GILT A LIVE LOT SLIGHT WIN

O C T S P O E G A R R A A E T A N E T R D S E L I S A Y I L G Y A N E W O O D

378

A E

SUDOKU

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

TODAY

N

JIGGERED A G R A C L A F C E L F I P T T A D I N C A J A E S C K K A E A L L

V I

WB

How many words of four letters or more can you make? Each letter must be used only once and all words must contain the centre letter.

There is at least one nine-letter word.

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

TRIO: PTI

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. Easier 7. Utters 10. Riskier 11. Fungi 12. Peak 13.

Caged 16. Might 17. Woos 20. Exile 21. Regatta 22. Taunts 23.

Unwell.

Down: 1. Heir apparent 2. As usual 3. Tepid 4. Stifled 5. Leans 8. Shilly shally 9. Preachers 14. Liberty 15. Loathes 18. Minus 19. Agent.

ALPHAGRAMS

anew arena avian bairn bane barn bean brain BRAINWAVE bran brawn brine bwana earn naira naive nave nawab near rain rani raven ravine rein riven vain vainer vane vein vine wain wane warn wean wine wren

D

Northern NSW

Monday, October 17, 2016 seniorsnews.com.au

reviews

COMPETITION A chance to win book bundle Tell us in 25 words or less what your favourite book is and why.

Email your entry to community.notes@seniors newspaper.com.au.

Salt Creek

The natural way of things TWO women awaken from a drugged sleep to find themselves imprisoned in an abandoned property in the middle of a desert.

She hears her own thick voice deep inside her ears when she says, “I need to know where I am”.

The man stands there, tall and narrow, hand still on the doorknob, surprised. He says, almost in sympathy, Oh, sweetie.

You need to know what you are”. .

Strangers to each other, they have no idea where they are or how they came to be there .

The girls all have

something in common, but what is it? What crime has brought them here? Who is the mysterious security company responsible?

Doing hard labour under a sweltering sun, the prisoners soon learn what links them: in each

girl’s past is a sexual scandal with a powerful man.

They pray for rescue – but when the food starts running out it’s clear the jailers have become the jailed.

The Natural Way of Things is a gripping, starkly imaginative exploration of contemporary misogyny and corporate control, and of what it means to hunt and be hunted.

Most of all, it is the story of two friends, their sisterly love and courage.

OUT NOW

❚ Allen and Unwin ❚ Charlotte Wood ❚ RRP $29.99

Intensely human tale of immigrants DURING a hot Melbourne summer, Jovan’s cleaning work at a bayside hospital is disrupted by acts of graffiti and violence becoming increasingly malevolent.

For Jovan the mysterious words that

must be cleaned away dislodge the poetry of the past.

He and his wife Suzana were forced to flee Sarajevo and the death of their children.

Intensely human, yet majestic in its moral vision, Black Rock White City is an essential

story of Australia’s suburbs now, of displacement and immediate threat, and the unexpected responses of two refugees as they try to reclaim their dreams.

It is a breathtaking roar of energy that explores the immigrant experience with ferocity, beauty and humour.

■ A.S. Patric ■ Transit Lounge ■ RRP $29.95

Seniors 27

Urban tale JOE lives – despite himself. Driven by the need to atone for the neglect of a single tragic summer’s night, he works at nothing jobs and, in his spare time, trains his body and mind to conquer the hostile environment that took his love and smashed up his future.

So when a breathless girl turns up on the doorstep, why does he let her in? Isn’t he done with love and hope?

On the other side of the city, graphic designer Elise is watching her marriage bleed out. She retreats to the only place that holds any meaning for her – the tiger enclosure at the zoo where, for reasons she barely understands, she starts to sketch the beautiful killers.

Leap is a beautiful urban fairytale about human and animal nature, and the transformative power of grief. While at its heart is a searing absence, this haunting and addictive novel is propelled by an exhilarating life force, and the eternally hopeful promise of redemptive love.

■ Myfanwy Jones ■ Allen and Unwin ■ RRP $26.99

SOME things collapse slow, and cannot always be rebuilt, and even if a thing can be remade it will never be as it was.

Salt Creek, 1855, lies at the far reaches of the remote, beautiful and inhospitable coastal region the Coorong, in the new province of South Australia.

The area, just opened to graziers willing to chance their luck, becomes home to Stanton Finch and his large family, including 15-year-old Hester.

Once wealthy political activists, the Finch family has fallen on hard times.

Cut adrift from polite society, Hester and her siblings make connections where they can: with the few travellers who pass along the nearby stock route.

Over the years an Aboriginal boy, Tully, at first a friend, becomes part of the family.

Stanton's attempts to tame the harsh landscape bring ruin to the Ngarrindjeri people's homes and livelihoods, and unleash a chain of events that will tear the family asunder.

■ Lucy Treloar ■ Picador Australia ■ $29.99

Hope Farm IT IS the winter of 1985.

Hope Farm sticks out of the ragged landscape like a decaying tooth, its weatherboard walls sagging into the undergrowth.

Silver’s mother, Ishtar, has fallen for the charismatic Miller, and the three of them have moved to the rural hippie commune to make a new start.

At Hope, Silver finds unexpected friendship and, at last, a place to call home.

But it is here that, at just 13, she is thrust into an unrelenting adult world – and the walls begin to come tumbling down, with deadly consequences.

Hope Farm is the masterful second novel from award-winning author Peggy Frew. It is a devastatingly beautiful story about the broken bonds of childhood, and the enduring cost of holding back the truth.

■ Peggy Frew ■ Scribe Publications ■ RRP $29.99

Win a set of Miles Franklin finalist Books!

The Miles Franklin Literary Award is Australia’s most prestigious literature prize.

Here is your chance to win the books from this years finalists!

To be in the running, simply email communitynotes@seniorsnewspaper.com.au.

Make sure you tell us your name, contact number, email, postal address and Seniors Newspapers region, then answer this question in 25 words or less: “Which Miles Franklin finalist is your favourite and why?”

Good luck – and happy reading!

Visit seniorsnews.com.au/competitionterms for full competition terms and conditions. Promoter is ARM Specialist Media Pty Ltd of 2 Newspaper Place, Maroochydore Qld 4558.

Promotional period 03/10/16-14/11/16. Competition drawn 9am 21/11/16 at 2 Newspaper Place, Maroochydore Qld 4558. Winners announced in Seniors Newspapers December 2016 and online November 23, 2016. Total prize value $71.85 (including GST). Permit NSW/ LTPS/16/07820

News + LifestyLe + HeaLtH + traveL + fiNaNce + eNtertaiNmeNt

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Visit www.seniorsnews.com.au for more information.

28 Seniors Northern NSW

seniorsnews.com.au Monday, October 17, 2016

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