Toowoomba, February 2019

February, 2019

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FEBRUARY, 2019// SENIORS

Angles of architecture Gail Forrer Seniors Group Editor

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Living your life with independence

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Escape to a city full of surprises INDEX 4 13 19 21 22 26 26 27

Cover story - Leo Sayer Wanderlust Wellbeing Living Money What’s on Community group guide Puzzles

PRESENT and future accommodation is on the minds of many people our age.

We might be making a decision to downsize, modify our present home for future requirements, checking out granny flats or looking through retirement villages.

To support your decision making, this month our big read looks at the new wave of retirement villages, in particular, the vertical village.

The name hardly denotes the architectural leaps that have changed the face of this accommodation style from the usual sprawling, one storey plan to buildings that have grown to, as I see it, holistic living centres. It seems to me to make a lot of sense to keep facilities such as medical, beauty care, dining, leisure under one roof, but importantly to share appropriate facilities with the general public.

As you will see in this edition, there are various articles outlining contemporary studies which prove how human beings thrive on a diverse range of companionship. Indeed it is with others we figure out what's going on, compromise and exchange information

and while that’s happening, share a few laughs, feel empathy and the joy of good company.

I have also written a tribute to my newspaper colleague of 25 years, Seniors News reporter (Brisbane and Sunshine Coast) and travel writer Ann Rickard. It’s difficult coming to terms with losing my friend and it will leave a hole in our travel pages. So, I’ve decided to do what what Ann would do – ask everyone who can, to chip in and share a pic or two or a long or short story on your travel adventures. In return, I will endeavour to publish in print or online. You can email directly to me: Gail.Forrer@ seniorsnewspaper.com.au There’s plenty of personality, health, wealth and happiness in this edition.

Enjoy Gail

CONTACT US General Manager Geoff Crockett – 07 5430 1006 geoff.crockett@news.com.au Editor Gail Forrer – 07 5435 3203 gail.forrer@seniorsnewspaper.com.au Media Sales Executive Brett Mauger – 07 3623 1657 brett.mauger@seniorsnewspaper.com.au Online Get your news online at www.seniorsnews.com.au Advertising, editorial and distribution enquiries Phone: 1300 880 265 or (07) 5435 3200 Email: advertising@seniorsnewspaper.com.au or editor@seniorsnewspaper.com.au Location: 2 Newspaper Place, Maroochydore 4558 Website: www.seniorsnews.com.au Subscriptions Only $39.90 for one year (12 editions) including GST and postage anywhere in Australia. Please call our circulations services on 1300 361 604 and quote “Toowoomba Seniors Newspaper”.

The Seniors Newspaper is published monthly and distributed free in southeast Queensland and northern New South Wales. The Seniors newspaper stable includes Toowoomba, Wide Bay, Sunshine Coast, Brisbane, Gold Coast, Northern NSW, Coffs and Clarence and Central Coast publications.

Published by News Corp Australia Printed by News Corp Australia, Yandina.

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

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On track to Clifton day Don’t miss the anniversary celebrations

Alison Houston CLIFTON has a busy six weeks ahead for seniors and their families, with the Clifton Show, the railway station’s 150th anniversary and the annual fly-in.

Sheep dog trials make their return to the 108th show on February 15-17, after being cancelled for some years due to the tough farm conditions.

Other attractions include livestock judging (cattle, sheep and goats), horse events (including showjumping), a dog show, ute show, rodeo, pavilion exhibits (including farm produce, flowers, cooking, school work, arts and crafts), the Queensland Whipcracking Championships, trade shows and, of course, all the usual entertainment and show “must-haves” including sideshow alley, showbags and fireworks.

There’s no gate charge

HISTORY REMEMBERED: As it was... Clifton Railway Station in its early days. on Friday, and it’s just $10 ($6 pensioners) on the weekend. Go to cliftonshowsociety.com.

Then, on Saturday, March 9, it’s time to celebrate 150 years of Clifton Railway Station with markets, music and entertainment, the town crier, model trains and historical railway displays, as well as arts and crafts, food and vintage vehicles.

Markets will start from 8am, Southern Downs Steam Railway’s steam train will arrive from Warwick about 10am in time for the official

ribbon-cutting by Mayor Paul Antonio at 10.30am, with the train making its return trip at 2pm.

And of course, said Clifton and District Progress Association secretary and one of the organisers, Alice McKenzie, “you can’t have a birthday without cake!”

As a bonus, O’Shanley’s Irish Hotel is holding its annual Finnegan’s Wake parade (complete with hearse and ‘mourners’), followed by lots of Irish music and dancing from noon.

Clifton was one of the

‘‘

O’Shanley’s Irish Hotel is holding its annual Finnegan’s Wake parade first stations on Queensland’s southern line, officially opened on March 11, 1869, and it is now the state’s second-oldest station on

Photo: Contributed

a working rail line.

At one time it was a regular stop-off for passengers travelling between Brisbane and Sydney and, according to the records, the diversity of famous names to have walked the platform include King George VI (then the Duke of York), Prime Minister Alfred Deakin, Sister Elizabeth Kenny, Dame Nellie Melba and actor Richard Chamberlain.

The station is now leased by the Clifton & District Progress Association and used as a

Visitor Information Centre, manned by volunteers Friday to Monday (9am-2pm).

Alice said they hoped many people would “make a day of it” and perhaps stay over for the annual Clifton Fly-in the next day, which attracts all sorts of aircraft from recreational to home builds with lots of activities throughout the day.

To find out more, go to cliftonpa.org or phone 0402 032 502, or phone Trevor Bange about the fly-in on 0429 378 370.

Updates from the Toowoomba Region

Photo: Tom Aschilles

Resort Style Independent Living for the over 50’s • No Exit Fees • No Stam mp Duty • Rent Assistance (if you qualify) • Close to Beaches and Fishing F • Pets on Application

caloundragardens.com.au | caloundragardens@gmail.com Office Phone: 5492 5600 | Phyllis Mobile: 0419 910 179

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Keep your weeds in check As residents of our beautiful region, remember that you are responsible for ensuring that any plants on your premises do not pose a health, environmental or biosecurity risk to the community. For further information or advice, give us a call and ask to speak to our Conservation & Pest Management team.

CHANGE Project A range of low-cost opportunities are available in the Toowoomba Region each week to help residents get out and active.

For full details and to join visit www.tr.qld.gov. au/change

Activate Survey (prizes to be won!)

Water restriction levels vary depending on where you live. As a region we’re aiming to reduce our water consumption to 200 litres/ person/day. Call us or visit www.tr.qld.gov.au/ waterrestrictionsbytown for more details.

We’d like to hear your thoughts and ideas on the future of sport, active recreation and healthy living in the Toowoomba Region. Have your say by completing our survey and go in the draw to win some amazing prizes to the value of up to $500! Surveys are open until 5pm on Friday 15 February 2019. Complete one online via http://yoursay.tr.qld.gov. au/activate-survey or in hard copy at Council customer service centres.

Summer Tunes

Choose the Right Bin

Still in holiday mode? Bring some snacks, a picnic blanket and a hat and settle in to enjoy free, live music at popular parks in our region throughout January and February. Concerts feature local musicians from a variety of music genres and can be enjoyed on Sundays throughout January and February. Visit www. tr.qld.gov.au/summertunes for the complete schedule.

Confused about where to put your rubbish? Head to www.tr.qld.gov.au/ recycling for handy hints and information on what can be recycled. Remember – plastic bags and grass clippings don’t go in your yellow lidded bin. Also, be sure to cut up your broom and mop handles before you put them in your general waste bin. Let’s recycle right!

Water restrictions

For bookings for all events call 131 872 or visit www.tr.qld.gov.au

TRC_0119_SN

Clifton and District Progress Association members Alice McKenzie, Rhonda Glare, great-granddaughter Kaleah Berardi, Graham Kemp and Robert Gibson.

Council Meetings The next meetings of Council’s Standing Committees will be held on 12 and 13 February 2019 commencing at 9am. The next Ordinary Meeting of Council will be held on 19 February commencing at 10am. All meetings are at City Hall, 541 Ruthven Street, Toowoomba.

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FEBRUARY, 2019// SENIORS

The real still just Tracey Johnstone

HE’S BACK: Leo Sayer is touring Australia this year with his Just A Boy At 70 show from February to March before heading to the UK. Photo: Ed Fielding

FANTASTIC, wonderful, the best, no fears looking forward, proud to be 70.

Leo Sayer brims with enthusiasm on the eve of his tour of Australia and New Zealand. He’s just a boy. It’s always been his thing; his song and now his tour, Just a Boy at 70.

“I think I am boyish in my ways,” Sayer told Seniors News. “Everyone looks on me as this eternal youth. Michael Jackson took the title first, but I am the real Peter Pan.” Well, if you take the crazy hair, the lively music, his energetic stage presence, a wardrobe of loud jackets and a youthful attitude – yes, for him being boyish even at 70 is just fine. “I never grow up,” he joked.

He’s been working up a storm in his barn-sized studio at his home in Sydney’s southern highlands, readying

himself for up to two hours of music, if the management allows him to go over time, with a medley of everything old that remains in the memories of the ‘forever young’ - still exciting, entertaining and evocative.

“People really come to see me because of the music of the past more than the music of today,” Sayer said.

He has 13 albums to choose from. In that catalogue, there are plenty of songs audiences know word-for-word. You couldn’t help yourself sing along as Sayer belts out You Make Me Feel Like Dancing, More Than I Can Say, Train, Dancing The Night Away, and the song he wrote for Roger Daltrey, One Man Band.

“Things that weren’t the biggest hits, but at the same time, things that the audience know already and songs which are all part of the story,” Sayer said.

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Peter Pan a boy at 70 ‘‘

His story – and ours.

“A song like Moonlighting, or Thunder In My Heart or Orchard Road will trigger memories for people about what they were going through at that time.

“We have shared experiences of that time.”

In between preparing for his tour, Sayer has been scribing his memoir.

“I am writing it by myself,” he said. “I tend to be the kind of person who does everything by himself.”

His career launched in 1972 but he has got as far as writing to the end of 1978. But there is a lot to pack in when reviewing a life lived in the spotlight.

“It’s already 77,000 words,” he said. “It’s going to be quite a tome.

There is so much work going into it. I have had such a busy life.

“I get to a point when I am talking about a particular moment like when I did my first TV series in England, and

Every day that you are doing this and really mobilised and you are motivated, it’s just fantastic.

during that time there a little marks in the diary that I kept and some postcards that I wrote to my mum and dad.

“Then more events come out.

“Suddenly, oh my god, there I was the night Keith Moon of The Who died. My god, we were together that night and then I saw him off after a party we were at.

“He gave me a hug and said, ‘I will see you in a couple of weeks’. The next thing he was dead.

“I was one of the last people to speak to him.”

Sayer swore he is on the home run to getting the book finished. There is also new album in the works, but it won’t be out before the tour starts.

He is living a busy life, but Australian highland life in a sleepy village surrounded by English foliage where “you don’t need to know how to reverse park”, suits the 70-year-old who has blended into the little community.

Since moving to Australia in 2005, he has taken to eating organic foods, staying fit and enjoying a life, free of city pressures, with his Italian wife Donatella.

“Every day that you are doing this and really mobilised and you are motivated, it’s just fantastic,” he said.

“Standing still is the most dangerous thing for me, so I keep moving.”

Just a Boy at 70 tours across Australia from February. For tickets visit leosayer.com/shows.

ON TOUR: Leo Sayer is touring Australia this year with his Just A Boy At 70 show from February to March before heading to the UK. Photo: Michael Palmer

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Peak2Park for the fun A great way to start a new exercising habit Alison Houston RANGEVILLE’S John Francis has completed every Peak2Park since the event began in 2006.

Well, it seemed natural since competitors pass right by his front door.

John, at 60, is a serious runner and triathlete, competing in ironman events, but said he loved the Peak2Park because it was “just for the fun of it”.

Held every year on the first Sunday of March, this year March 3, by Healthy Active Lifestyles Toowoomba, there are 4km and 10km options for the run/walk.

It is a community event aimed at encouraging people to move more.

HALT’s Sue Morgan said, hopefully it would be a “jumping off point” for people to see how easy and enjoyable it was to exercise and continue with a healthier lifestyle.

She recalled one man, “with the biggest smile on

his face”, caught between tears and jubilation, who told her he had never walked further than his mail box before, and completing the Peak2Park had changed his life.

Another was delighted at his first event to have walked the 4kms, and now runs regularly.

John said while there were many “real runners”, including Toowoomba Road Runners members and people who prepared for the 10km, there were others of all ages and fitness levels from all walks of life.

That includes clubs and business groups, three generations of families; grandparents, children and grandkids running, walking, pushing strollers, chatting and just enjoying the day.

He said there was a “party atmosphere” and sense of exhilaration.

“It’s not a race, so if you aren’t first to finish, you still have fun,” he said.

“It’s the sense of

WALK IN THE PARK: Whatever your age or stage of fitness, whether you run or walk, the Peak2Park is a great way to get out as a community and exercise. achievement to say ‘I’ve done it, I feel good now.

I’ve finished something with all these other sweaty people’,” John laughed.

The fact all funds go to local charities, he said, made the event even more worthwhile, with more than $750,000

raised since it began.

While emphasising the importance of being active at any age, John said exercise for him was also a social activity.

“I have friends I swim with, cycle with and run with, and you look forward to catching up with your mates,” he said.

“I don’t know what’s more important, the social component or the exercise, but put it together and it’s something special – you’re pretty lucky,” he said.

Beginning at Picnic Point, the event finishes on the lawns at Lake

Annand, where competitors can enjoy drinks, fruit and company.

It runs from 6.30-9.30am, with entry $20 or $40 per family. About 3000 people expected to take part.

Go to peak2park.org.au, find them on Facebook or call Willows 4638 3777.

Warwick pipers play in new year on the Coast Alison Houston

TUNING UP: Bill Stuart and Dugald MacFarlane played the bagpipes at Burleigh Beach on the Gold Coast on New Year’s Eve to cheers and applause, alongside younger pipers Rory MacFarlane and Rosalie Mauch.

Photo: Nadine Fisher

A QUARTET of players from the Warwick Thistle Pipe Band shared some traditional songs at Burleigh Beach on the Gold Coast to ring in 2019.

The sounds of Amazing Grace, Scotland the Brave, The Green Hills of Tyrol, The Battle’s O’er and, of course, Auld Lang Syne attracted a large and appreciative crowd, originally gathered to watch the 8pm fireworks across the water at Broadbeach and beyond.

It was a bit of a battle with the nightclub music from the new Burleigh Pavilion, which gave rise to a large number of official noise complaints.

However, the intergenerational pipers, combining the talents of 67-year-old Bill Stuart, Dugald MacFarlane, son Rory and Rosalie Mauch, both from Scots College, Warwick, were not to be outdone and earned cheers and applause for their efforts.

Bill first started playing the bagpipes about age 13 back in 1965, when his mum came up with the plan of getting him to

learn an instrument his dad, a very good pianist and musician but a perfectionist, didn’t know how to play.

He had given it away for about 45 years until his son asked Bill to play at his wedding six years ago.

“So, I played – not very well I must admit – but it sparked my interest again,” Bill said.

He takes weekly lessons via Skype from a teacher in New Zealand, and enjoys both the camaraderie of playing with the Thistle Pipe Band and competing individually.

He sees playing the bagpipes as every bit as competitive as any sport, involving training, team work, stamina, breathing control and constant thinking.

“The hardest part is learning new tunes because you don’t have the music in front of you when you play, so you have to memorise them completely – that’s part of the drive for me, to keep the brain active,” Bill said.

With some of the older traditional tunes lasting up to 20 minutes, that’s no mean feat.

“There’s nothing makes you feel so naked as

standing up there in front of a judge to play solo – you bear your soul,” he said with a laugh.

Players aren’t just judged on hitting the right notes either, but on their sound clarity, dress and presentation, with the aim to have no points deducted.

And if you’re wondering how much call there is these days for bagpipes, you would be surprised.

Bill said there was a good group of youngsters taking up the instrument, and the Thistles last year averaged a function every fortnight.

So it wasn’t lack of an audience that brought Bill and his mates out on New Year’s Eve. Bill has been playing at Burleigh as part of his holiday fun for three years now, and has been joined for the past two years by the MacFarlane and Mauch families, who unexpectedly heard him playing the first year, while likewise on holidays from Warwick.

“It’s a bit of a tradition now, and we all enjoy it,” Bill said.

You can find the Warwick Thistle Pipe Band on Facebook.

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FEATURE

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No kids! Time to rejoice!

Tracey Johnstone THE house is a lot quieter, there are fewer dishes in the sink and washing on the line, the bills are less and so too the cleaning.

The kids have finally left home, the nest is empty.

Empty nesters are embracing their freedom from day-to-day family responsibilities according to research from the Australian Seniors Insurance Agency.

Many are rediscovering financial and social freedom.

Two couples in their early 60s who have seen their children out the door are Prue Weaver and her husband Dave Ginty, and Bob and Carol Bursill.

Both watched their children willingly head out within about two years of finishing high school.

The reactions to their children’s departure is mostly one of joy, like 51 per cent of those surveyed by ASIA. Prue and Dave fully supported their son and daughter quickly departing the family home.

“I was delighted,” Prue

says. “It gave them the chance to do what they wanted to do on their own terms, and I was still available if they needed backup or financial support, but basically they were on their own to spread their wings and suffer the consequences, if there were going to be any.”

Bob noted he was thrilled to see his three kids happily gain their independence and know what they wanted to do.

Carol was the dissenter.

“I didn’t really want all my kids out of the house,” Carol admits.

“I would have loved for them to stay home another four or five years.”

Most survey respondents, some 74 per cent, said they had more time on their hands.

“The difference was not that the kids were there or not there, it was that that they weren’t at school anymore,” Prue adds.

When it comes to finances, life is much better, to start.

“But we still forked out a lot of money for them, even though we didn’t have the day-to-day

EMPTY NESTERS: Bob and Carol Bursill, Josie Ginty with mother Prue Weaver and father David Ginty.

Photo: Tracey Johnstone expenses,” Carol says.

All agree that even now they are still handing out money to help their children.

“It’s on a needs basis,” Bob says.

But, both Carol and Bob wonder, are they now spending more on the children then they used to, but just in larger, lump sums?

There are you see, house deposits and grandchild costs to be considered.

“We made a deal with

them that if they go into university we would either pay their fees or accommodation. We were then able to budget for the amount,” Prue says.

Each couple’s financial obligations haven’t stopped them from finding ways to enjoy the freedom that comes with an empty nest.

“We have more time to put into work,” David says.

“But we don’t have to be home to put the dinner on,” Prue adds joyously.

With the kids out of the

house and retirement from work a reality, the couples joined the 59.6 per cent of survey responders who found themselves spending more time on their recreation and hobbies.

Carol has joined some social groups and got stuck into scrapbooking.

Bob spends more time in the garden and tinkering with boats.

Prue and Dave are travelling overseas to fascinating places, but always on a tight budget.

Downsizing is another outcome of becoming empty nesters.

While they have retained a spare room in their small apartment, David and Prue are happily out of the much larger family home.

“Well, nobody was using half the house,” Dave declares.

Bob and Carol are like about 30 per cent of the ASIA survey responders who have turned a spare bedroom into a hobby space.

“Because we had children who had the grandchildren straight away, we wanted to keep room in the house for them,” Carol said.

Downsizing soon is however on the cards for them.

Allowing any of the children to return home indefinitely isn’t an attractive idea for these empty nesters.

“They come with attachments,” Carol says.

“They come with husbands or wives who you may, or may not, get on with. And the children who you may or may not like the way they are being raised.”

NEWS

FEBRUARY, 2019// SENIORS

Thinking of The choice

‘‘

The design also set out to encourage different generations to interact.

Australia on trend with integrated living.

Tracey Johnstone tracey.johnstone@ seniorsnewspaper.com.au

BIODIVERSE DESIGN: The Kampung Admiralty complex in Singapore has an extensive green footprint on the new site.

Photo: Patrick Bingham-Hall

PCA’s Retirement Living director, Ben Myers.

Photo: Anthony Burns

Kampung Admiralty architect Pearl Chee.

Photo: Jing Wei

RETIREMENT living design has been thrust into international limelight as height and style head towards the sky.

Late last year, Singapore’s innovative Kampung Admiralty project won World Building of the Year. It isn’t an office tower. It’s not a flashy hotel. Nor is it a cultural centre.

It’s a showcase of the latest in vertical biodiverse retirement living design with its social housing, large green footprint, health services, cross generational hub and vibrant community spaces supporting integration, not isolation, for its residents.

Kampung architect Pearl Chee of the Singapore firm WOHA said the aim of the government-sponsored pilot project was to integrate an independent living seniors’ community within an accessible and vibrant public space.

The unique design is layered. At the lowest levels are a public plaza with a food court and neighbourhood retail shops.

In the middle is the medical care centre with specialist rooms. On top of that is the quieter activities of an elder care centre next door to the childcare centre, and landscape terraces.

Above that again is the social housing.

“About 80 per cent of Singaporeans live in

social housing,” Ms Chee said.

As they age, most of them look to downsize.

Kampung has 104 apartments sized either 35sq m and 45sq m, each with an open kitchen, one bathroom and one bedroom. The design also set out to encourage different generations to interact.

“The idea was to have a mix so the community was more vibrant,” Ms Chee said.

“It’s not a closed-up project. This is a very public building where everyone can access 24 hours. There is no fence.”

The terraces are designed to encourage exercise, social interaction among the residents and spending time with young visitors.

“The operators of the care centres have arranged for combined programs so on a weekly basis the young and the old are actually interacting in arts and craft programs or meals together,” Ms Chee added.

For some residents, their grandchildren attend the Kampung childcare centre. Australia is there alongside the Singaporeans in design and innovation. Its models may vary because of the needs of this country versus those of Singapore, but when it comes to smart downsizing, Australia is on-trend.

Australia’s Retirement Living Council executive director Ben Myers said there were a range of design innovations, including mixed-used

developments and multi-generational connections such as in Kampung, being seen in Australia and which were changing the concept of retirement living away from the horizontal villages in gated communities.

Two of the newest vertical retirement living choices are Adelaide’s U City and Brisbane’s Aveo Newstead.

The 2018 PwC/Property Council Retirement Census reports only 4 per cent of Australian villages are now vertical, and this number isn’t likely to change soon. Firstly, there are some significant hurdles to overcome.

“One of the challenges is certainly the planning schemes that exist around Australia that in some instances, make that really hard,” Mr Myers said.

“In West Australia, for example, the planning laws preclude the villages from carrying out anything other than retirement accommodation.

“In the minds of many planners, retirement living and aged care are one and the same. But, they’re not.”

It’s the community support and facilities that are not being included in planning schemes Mr Myers said.

“The other challenge is the investment side and getting the capital,” he added.

“Retirement villages can only take intentions to buy into account.

“They don’t have that binding deposit to help finance (a project).”

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retirement? is sky high

A horizontal village can be built in several stages.

A vertical village has to be in one.

“There is a transition away from the traditional financial models, which have helped the industry to grow, to now the operators saying if they are going to go vertical, which is what many people are desiring, particularly in capital cities, then they need the capital to build that all in one stage,” Mr Myers said.

“It’s a riskier proposal and requires great confidence that the operator can turn intention to buy into residents.”

Brisbane’s Newstead Mr Myers sees the Aveo development, which won the Award for Design Excellence at the 2018 National Retirement Living Awards, as a great example of the new thinking in mixed-use development.

The 19-storey, inter-city tower ticks the boxes for retail, community dining, aged care and retirement living.

“It’s a new concept in an urban renewal area,” Mr Myers said. “I think that is going to be something we see more of over the next few years.”

Aveo Group chief executive officer Geoff Grady talks with great pride about what has been achieved with Newstead which opened last year.

“It’s the future of retirement living in this country,” Mr Grady said.

The secured upper levels of the layered complex have brought together three distinct accommodation and care

products. It has around 150 one, two and three-bedroom independent living apartments. It also has over 50 apartments for low to medium care clients plus an agedcare facility with nearly 100 residential bedrooms.

Mr Grady noted this structure “enables residents to transfer seamlessly between those offerings when their care needs are elevated”.

On the lower levels there is a hotel unit for overnight rental by family members and 4000sq m for a resident recreational facilities area which includes a large community garden, gym, day spa, library, movie theatre, a-la-carte restaurant, bar, business centre, beauty salon, sky bar and private dining room on the top floor. All of this is wired for the technology of today and into the future, including Google Home.

On the bottom level and open to the whole community is a supermarket, coffee shop, pharmacy and medical centre.

Mr Grady was finding the age group buying into the building were mostly in their 70s, which was consistent with the PPCRC report finding that the average entry age was 75.

“Why they are buying is because of the integration of their care,” he added.

Adelaide’s U City South Australia’s Uniting Communities U City has taken a similar approach to Aveo’s Newstead with its development, but with a few key variations.

The inter-city layered

development is on an existing UC-owned site and opens in mid-2019. It is central to many of the amenities its new residents will require and want.

The 20-storey building incorporates 41 independent living apartments, 21 specialist disability independent living accommodation, 18 short-stay serviced apartments suitable for people with disabilities, open access indoor and outdoor recreational areas and public access retail including a bar and food outlets with the balance taken up by a 420-seat function and convention centre plus commercial tenancies.

Its chief executive officer Simon Schrapel AM believes U City reflects the organisation’s commitment to providing social services and an inclusive and integrated, dynamic community in the city, in a financially viable model.

The site, both retail and its short-stay accommodation, will be run 24/7. Its entrance is designed to welcome the public with the doors able to be pushed back to facilitate flow to and from the street frontages.

The Baby Boomers’ needs have taken a high priority in the design of the centre. Internet savvy, wanting better health options, ability to mix with other demographics - they are showing a great deal of interest in U City.

“It’s indicative of the group that want to continue to explore new horizons and territories, and I think that is what we are offering in many senses is the opportunity

VERTICAL LIVING: Uniting Communities U City development in Adelaide, due to open in mid 2019.

The top floor bar area in the new Aveo Newstead retirement living complex in Brisbane.

Photo: Graham Philip to do that rather than feel this is the last stage of your life,” Mr Schrapel said.

The vertical living innovations are being driven by the retirees’

desires said Mr Myers.

Some, but not all want cross-generational spaces. Others want high interaction with the wider community.

“This comes in so many

different forms,” he said.

“The industry is getting its head around that and trying to navigate through the investment and planning hurdles to bring some of these to life.”

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FEBRUARY, 2019// SENIORS

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SENIORS \\FEBRUARY, 2019

ASIAN HUB HONG KONG ALIVE

PAGES 16–17

Colourful festivals, fab shopping, eating, cultural hubs are just some of the reasons to visit.

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FEBRUARY, 2019// SENIORS

Bangkok: hot surprises and The other end of the foodie spectrum was Eat Me, a modern fusion restaurant owned by Australian siblings and where I tried street food cocktails like Laab-Moo

years. Moon Bar cocktail, $20.

I love both Thai food and a bargain, so my favourite meal of the trip was at the MBK shopping centre – mushroom soup, fried spun egg and rice.

Cost, $2.50.

The other end of the foodie spectrum was Eat Me, a modern fusion restaurant owned by Australian siblings and where I tried street food cocktails like Laab-Moo, garnished with a slice of crispy bacon. Cost, $17.

The prize for best dinner experience, however, went to Flying Chicken. Our Brisbane-Bangkok friend, Mr Andrew Biggs, as the Thai people call him, took us there and we were greeted like celebrities.

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FIVE STAR COACH TRAVEL

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and post-modern mess of overhead wires creating a canopy in every street.

Later at the hotel’s famous Moon Bar we joined an Aussie friend and her journalist mate from Brisbane who has lived in Bangkok for 30

E S

BANGKOK SURPRISE: Traveller Kathleen Clare shares a great way see this delightful city. Photos: Kathleen Clare

We were seated at a choice table right next to a catwalk which cut curiously through the restaurant. The smiling staff brought us fans.

Andrew ordered barbecued chicken, deep fried whole fish, som tam (green papaya salad – the Thai national dish), kai jeow (omelette) and kra pao (minced pork and basil).

Then suddenly, commotion. A man on the catwalk is ringing a bell and holding a roast chicken aloft. Another enters on a unicycle, wearing a helmet bearing a unicorn-style spike.

Unicycle man wheels off stage as the chicken is placed on a catapult device.

Excitement builds and the bell rings again. The unicycle speeds towards

«

SA WAH Dee Ka! The Banyan Tree welcome letter was itself a delight, listing the many free things offered with our five-star hotel package – breakfast buffet, daily club lounge, laundry and cocktails.

Hard as it was to leave the hotel, Bangkok proved a delightful place to visit.

Quintessentially smoggy, concrete and high density, it’s surprisingly clean, with smiling people and a deep sense of history that you don’t really feel in Australia.

With Google map downloaded and Luxe Guide aboard, my sister Mary Bridget and I went out for a two-hour Thai massage at Health Land, a 15-minute walk from the breakfast buffet.

Side by side in a room, we were gently squidged and stretched into our holiday. Total price, $52.

Limping the streets afterwards, we visited an art gallery in a gorgeous heritage home and marvelled at the quirky curves of the laneways

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Kathleen Clare

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cool delights

Don’t miss the chance to wander through the Chatachuk Markets. the stage and the catapult clunks.

The roast chicken flies through the air and is expertly speared on the helmet.

Dinner cost, don’t know as Andrew paid.

Next day I walked to M.R. Kukrit’s Heritage Home.

It’s a green oasis amongst Bangkok’s concrete jungle. Entry, $2.

Using Grab, Thailand’s Uber, I ordered a motorbike rather than a car and flew pillion across

At the Wat Po Gardens. town (and full of adrenalin) to another historic estate, Jim Thompson House.

There were loads of tourists, gorgeous pavilion architecture and great espresso. Motorbike ride, $3.50. Entry, $7.

It’s hard to briefly encapsulate everything Bangkok offers including Wat Po (golden reclining Buddha), the Grand Palace and Chatuchak markets.

Head to the Mandarin Oriental river jetty where a porter can arrange a long scenic boat tour of the river and canals. Cost, $45.

Kukrit House.

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‘‘

Beijing’s imperial cuisine is characterised by its elaborate detail

HONG KONG: One of the great cities on the planet showing a ancient history and a vibrant, exciting, non-stop culture show.

Ancient and modern COLOURFUL festivals, big sporting events and new cultural hubs are just some of the reasons to visit Hong Kong this year.

Then there is the fabulous shopping and eating.

Planning a trip to Asia?

Here are some top insider visitor tips:

The Xiqu Centre in West Kowloon is a platform for the conservation, promotion and development of Cantonese opera.

Resort. It has new immersive attractions and exclusive Disney experiences.

EAT

CULTURE

The Xiqu Centre in West Kowloon is a platform for the conservation, promotion and development of Cantonese opera and other genres of Xiqu (Chinese traditional theatre) in Hong Kong and beyond.

There are performances to enjoy inside the striking building which blends traditional and contemporary elements.

Down at Tsim Sha Tsui the Avenue of Stars has a new collection of celebrity handprints and statues on display.

Visitors will be able to step back in time and relive the successes of past Hong Kong movies, set with the backdrop of the stunning Victoria Harbour.

A traditional performance at the Xiqu Centre.

EXPERIENCE

The Mills project has seen the former textile mills turned into a destination for innovation, business, experiential retail, arts, culture and learning. The former mills have been transformed into a single complex incorporating The Mills Fabrica, The Mills Shopfloor and the Centre

for Heritage, Arts and Textile.

The Peninsula Hong Kong is the first luxury hotel in Hong Kong to offer a trinity of deluxe transportation options – the existing fleet of Rolls-Royce Phantoms, a customised helicopter and now a yacht.

The Sunseeker Manhattan 60 is a

19-metre cruiser that can carry up to 15 guests each evening on a two-hour evening cruise featuring the Symphony of Lights on the mesmerising Victoria Harbour during the Harbour Sunset Cruise.

Join the grandchildren, or go alone, and step into popular Disney stories at Hong Kong Disneyland

Japan’s ramen noodle champion Hayashi Takao and a leading specialist in Japan’s national culinary artform, Matsumura Takahiro, have launched Ramen Cubism at a chic basement venue in Wellington St, Central.

Daarukhana, a contemporary concept delivering a new take on Indian food, has opened in Wan Chai. It features lofty interiors while the kitchen shrugs off convention by using ingredients rarely seen in Indian cooking.

Guests can indulge in pairings including chilli honey glazed French langoustine with South Indian beans as well as other culinary innovations.

Former three Michelin Stars chef Bruno Ménard has joined the Junon, a establishment that combines live musical performances with fine-dining cuisine.

Bruno crafts seasonal menus supported by

17

SENIORS \\FEBRUARY, 2019

The exterior of the Mojo Nomad Central, a new concept in hotel-motel accommodation. Photo: Kevin Mak, Kingymak

HONG KONG: Avenue of Stars, Bruce Lee statue.

Chef Bruno Menard's kitchen, lightly Tasmanian trout, chlorophyll jelly, wasabi.

cooked

The exterior of the new traditional performance space, Xiqu Centre.

Hong Kong premium quality, fresh ingredients sourced from Hong Kong and around the world.

Mokutan, a Japanese Izakaya, is open in Tsim Sha Tsui at Empire Prestige. It has a repertoire of high-quality, seasonal specialties, highlighting three affordable Omakase menus.

Peking Garden in Star House, Tsim Sha Tsui, is celebrating its 40th anniversary.

It offers dishes inspired

by Beijing’s imperial cuisine, characterised by its elaborate detail and craftsmanship.

Occupying a multi-storey complex in Kowloon City, Sanwa Jo has five master chefs at the helm, the curators of Japanese gastronomic classics sushi, teppanyaki, robatayaki and washoku.

Celebrity Japanese pâtissier-chocolatier Hironobu Tsujiguchi has opened four Super Sweets Galleries in Tsim Sha Tsui, Central, Causeway Bay and Shatin.

The celebrated Iron Chef confectioner

introduces a range of his signature cakes, roll-cakes, desserts, pastries, truffles and chocolates with a French twist.

DRINK

Fans of holistic tea purveyor Basao tea can now enjoy a cuppa of its exceptional single-origin clean-grown brews at the brand’s first dedicated teabar located on Moon St, Wanchai.

Taiwanese drink maestro Angus Zou has partnered up with Tasting Group’s Antonio Lai to unveil the city’s first cocktails on tap bar concept, Draft Land.

A mont-blanc cake from Japanese pâtissier-chocolatier Hironobu Tsujiguchi.

SLEEP

The new Rosewood Hotel.

Mojo Nomad Central, a ground-breaking concept that turns the traditional hotel model completely on its head, is now open on Queen’s Road Central.

It features exceptional food and beverage offerings and 24-hour facilities including a contemporary fitness centre, laundry area and an expertly appointed co-working space.

For more information go to discoverhongkong.com/au. The Peninsula Hotel's newest guest experience, a 15-metre powerboat, is available for daily harbour tours.

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FEBRUARY, 2019// SENIORS

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Farewell, Ann Gail Forrer FOR more than 25 years, Ann Rickard’s witty columns, stories and adventurous travel tales have graced the pages of newspapers throughout Queensland and Northern NSW, including Seniors News.

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You’ll travel past Nomuka Island where Blight visited the day before the Mutiny occurs.

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But above all else Ann was a wordsmith – she could twist, turn and paint words into vivid, clever and very, very funny descriptions.

Yet, it was her propensity for honesty, her ability to make fun of herself that let us find a little bit of ourselves in her.

But the last words must come from Ann. In her column dated August 17, 2015, Ann wrote about death – her own specifically.

“My funeral music of choice is Elvis (Are You Lonesome Tonight?), Frank Sinatra (My Way) and Shirley Bassey (Big Spender). These songs hold a special place in my heart as I have performed them often at two in the morning on the top of my staircase after a night of champagne-induced rollicking (my friends have appreciated this muchly).”

And in classic Ann style: “I have told my husband to harvest as many organs from me as anyone deems worthwhile, apart from the liver. I wouldn’t wish that on anyone”.

Farewell, Ann.

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SENIORS \\FEBRUARY, 2019

19

Glenvale aged care set to open

Wellbeing

BRAND INSIGHTS OZCARE is pushing boundaries when it comes to aged care, with its new state-of-the-art facility located at Greenwattle St, Glenvale set to welcome its first residents mid-April.

Contemporary in design, the 150-bed facility makes the most of its tranquil semi-rural setting with spectacular valley views.

Located just 5km west of Toowoomba, residents can take in the scenery from the privacy of their single ensuited rooms, each with private balcony.

Commissioning manager Elizabeth Klein said Ozcare had listened and responded to people in the community and this was reflected in both the design features and the overall care that will be delivered at the facility.

“We know that people age differently, and we know that privacy and staying connected with the wider community, as well as wanting aged care facilities to feel like their home environment, is especially important to people coming into aged care,” Ms Klein said.

“My goal is to shape a state-of-the-art facility, create a home-like environment, and most importantly, I am excited to communicate with the wider community during this process to deliver

HONOURED: Senior Australian of the Year 2019 Dr Sue Packer.

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MID-APRIL OPENING: The state-of-the-art Ozcare aged care facility located at Greenwattle St, Glenvale. specific and high-standard care.”

Ms Klein said an important part of her role as commissioning manager was the recruitment of staff and volunteers.

“Staff and volunteer recruitment, including inductions and continuous education, is a critical component of the commissioning phase,” she said.

“We are currently interviewing to fill over 130 employee positions at the new facility, and we are seeking interest from volunteers.

“I aim for a smooth transition, especially for

our new residents. I am excited to work with a fantastic team to ensure that our residents feel safe and secure from the onset.”

Ozcare will be holding volunteer information sessions throughout February for people with a passion for volunteering in aged care.

It is seeking to recruit a team of enthusiastic and reliable volunteers to assist with setting up the new facility and running a number of programs once the facility opens.

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Lecturing internationally and volunteering on a number of boards to improve health and well-being of children, Dr Packer stands up for the rights of children at every opportunity and encourages others to do the same.

2019 Australian of the Year Awards 2019 Australians of the Year: Dr Craig Challen SC OAM (WA) and Dr Richard Harris SC OAM (SA) 2019 Australia’s Local Heroes: Kate and Tick Everett (NT) 2019 Senior Australian of the Year: Dr Sue Packer AM (ACT) 2019 Young Australian of the Year: Danzal Baker (NT)

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She has been involved in child abuse prevention through the National Association for Prevention of Child Abuse and Neglect since its very early days and has treated child abuse victims.

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Support to count on Staying independent with help from friends BRAND INSIGHTS COLLEEN Maynard has several reasons why she shouldn’t be living independently.

Fortunately, she also has a very simple reason why she is.

“There is no way I could continue to live on my own without Feros Care,” the 79-year-old says of the not-for-profit organisation that provides her with crucial in-home support courtesy of a government-funded Home Care Package.

“I had my hips and both my knees replaced about 12 years ago and the doctor said I needed some help.

“Back then I would just get a cleaner once a fortnight but these days they help with so many things.

“A cleaner drops by once a week, the gardener visits every fortnight and then there are the big jobs they tackle once or twice a

year like cleaning the carpets and windows and blasting the footpath.

“Someone even comes to give me a pedicure every six weeks. I’m properly spoiled.”

Colleen is like so many Australian seniors in that she loves where she lives and is in no rush to move into assisted living or a nursing home.

That said, she is realistic enough to know she needs a little help and with that help comes peace of mind.

“Feros has even set me up with a personal alarm and you don’t know how grateful I am for that,” says Colleen.

“I’ve had two very bad falls and having that alarm around my neck was so important.

“It just let Feros know I was in trouble and they sent someone straight away.

“Then there’s the care they’ve given me after stints in hospital – oh, it’s absolutely wonderful.

INDEPENDENT: Colleen is like so many Australian seniors in that she loves where she lives and is in no rush to move into assisted living or a nursing home.

Photo: Asley Roach “I just let them know I’m going in and they know exactly what I’ll need when I come out.

“Every day someone came to shower me, do a bit of house work and water the garden before

heading off.

“Then they would pop back in the afternoon to turn my bed down and clean any dishes I’d used during the day.

Colleen knows the day will come when she has to

reconsider her living arrangements.

For now though, that day is a long way away thanks to a handful of special people she looks forward to hearing knock on her door. Senior

Australians can apply for a government-funded Home Care Package worth up to $49,500 a year.

Phone 1300 763 583 or go to feroscare.com.au /feelright.

Masonic head rests easy with hospice donation

THUMBS UP: Toowoomba and District Masonic Council president Barry Hennessy reckons he could have stayed all day in one of the new adjustable beds at the Toowoomba Hospice. But it would have got a bit crowded with Hospice chairman Graham Barron OAM, director of nursing Eugenie Corbett, Masonic Council representatives David Gwynne and Ken Stephen, and Hospice management committee member Ray Pern, back, all there for the official handover.

Photo: contributed

and charities who depend on community generosity for survival.

Born in Miles and moving to Toowoomba in 1948, Barry has been a Freemason for 57 years, serving as Masonic Council president 20 years ago and again this year.

He said while some Masonic Lodges continued to flourish, many country branches which owned their own lodges were “doing it pretty tough”, especially due to the high costs of insurance.

With the average age of Queensland’s Masons 72, Barry, 81, admitted the movement did struggle for younger members.

“If it wasn’t a good organisation, I wouldn’t be in it,” he said.

“We get a lot of people of mature years joining and saying they wish they’d joined when they were younger, that’s how much they get out of it.”

years, and particularly as a partner in the Scott St Pharmacy for 32 years, servicing patients with their chemotherapy needs and providing a 24-hour 365-day a year service to the hospice.

If you are interested in finding out more about the Freemasons, phone Barry on 4637 4129.

To volunteer or donate to the hospice, go to toowoombahospice.org. au or phone 4659 8500

Alison Houston TEST-DRIVING one of the six new adjustable beds recently at Toowoomba Hospice meant a lot to Barry Hennessy.

A long-time local pharmacist and the Toowoomba and District Masonic Council president, Barry personally contributed $5000 towards the $22,000 total for the palliative care beds donated by the council’s 16 district Masonic Lodges and the charity arm of Freemasons Queensland, Hand Heart Pocket.

“I go right back to the beginning of when fundraising began for the hospice,” Barry said, recalling the late Sister Frances Flint OAM and Graham Barron, now an OAM and Hospice management committee chairman, first introducing the hospice concept to the West Toowoomba Rotary Club in the late 1990s.

Barry said cancer treatment held a special place in his heart as a pharmacist, both at Macdonaldtown in Harristown for almost 50

“I’ve also had many friends who have gone to the hospice in the last days of their lives.

“It’s always spotless, a marvellous service and such nice people.”

The mobility features of

the beds will make hospice clients in the final stages of life more comfortable, as well as reducing manual handling for nurses.

The hospice has operating costs of $1.75

million per year, of which it relies on the community for 52 per cent, so Barry said it very much aligned with the Masonic movement’s cornerstones of faith, hope and charity, helping the less fortunate

SENIORS \\FEBRUARY, 2019

21

Waiting for care services Alison Houston “NO DAY of Dad’s has commenced or ended without prayer,” Margaret Jolly said.

But she fears his days are getting longer and harder on him while he waits endlessly for help from My Aged Care.

Fr Arthur Fellows is one of almost 127,000 older Australians who have been waiting months, if not years for a Home Care Package.

And at times she is ready to scream with the frustration of it.

At 96, Fr Fellows is currently on a Level 2 package, which provides five hours of help a week, but he is shaky on his feet and becoming increasingly frail.

After being assessed by ACAT (Aged Care Assessment Team), he was approved in February 2018 for a Level 3 package.

Nothing happened.

When Margaret rang in July to find out when the services would start, she was told by My Aged Care there was a 12-month wait.

When she called again in December, she was told it was a 12-month–plus

wait.

She has been told unofficially that the wait for many people is 2-3 years.

She pointed out to My Aged Care that her father was 96 and could conceivably not live long enough to receive the service.

She has heard of one woman whose mother was finally approved for a Level 4 package – for those needing the greatest help for issues including dementia – 18 months after she died.

If her father’s condition had deteriorated, My Aged Care told her, he could be re-assessed … it would take six weeks to be seen, at which point he would spend an hour answering the same questions as he had several months ago.

“The irony is, I’ve given up work to help Dad,” Margaret said.

“If he had the help he needed, I would be paying the government far more in tax than it would cost for his package.”

She says the government has “got the maths all wrong”.

They want people to stay in their homes because it costs less than nursing home care.

People want to stay in

their homes because it is their home and because they fear nursing home conditions and the boredom, atrophy and depression associated.

Yet the money which should be going to help older Australians to stay safely at home is instead being spent on bureaucracy.

“The fundamental problem with this system is it’s not the ultimate consumer and their needs which it is concerned about – it doesn’t care about the individual,” Margaret said.

She cites a fall her father had before Christmas which left him with a fracture and a cast on his arm.

He had already sustained an ulcer on his ankle and a nurse had been approved to come in and change the dressing daily, straight after his shower.

However, when Margaret asked if the nurse could come 10 minutes earlier and help put a plastic bag over her father’s arm, she was told this was not a nursing duty, but a domestic assistant duty.

To gain this service, she would need a referral and there would be a six-week wait – by which time her

Living

DESERVING BETTER: Fr Arthur Fellows, 96, with daughter Margaret Jolly ... speaking up for almost 127,000 older Australians who wait months or years for a Home Care Package. father’s arm would be healed, not to mention the unnecessary doubling of costs sending two people to the same house within 10 minutes of each other, and her father being confronted by another stranger.

“Having been through this experience myself, I hate to think what it’s like for those who don’t have a

child or someone to advocate for them,” Margaret said.

As an intelligent, professional woman who ran her own consultancy firm specialising in workplace investigations, human resources and management advice and mentoring, she said dealing with the bureaucracy around My

Aged Care and ACAT had “just about defeated me”.

But she won’t let it because she said her father is “the most thankful, loving person … the best human being you could possibly meet” and he and others of his generation deserve better than the Australian government is giving them.

Author writes for those impacted by dementia

ADVOCATE: Tom Valenta’s book about dementia.

DEMENTIA Australia congratulates author and dedicated dementia advocate, Tom Valenta OAM for his inclusion in the Australia Day Honours – receiving the Medal of the Order of Australia in the General Division.

Mr Valenta has been honoured for his distinguished service to the community through charitable organisations, Dementia Australia*, Cystic Fibrosis Victoria, Task Force Community Agency and Odyssey House Victoria.

Professor Graeme Samuel AC, chair of Dementia Australia, said on behalf of all people impacted by dementia I wish to acknowledge Tom for this well-deserved honour.

Prof Samuel shared his family’s experience with dementia to support Mr Valenta’s project.

"I commend his dedication to raising awareness and

advocating for people living with a dementia, particularly younger-onset dementia, and their families and carers," Prof Samuel said.

In 2007 Tom Valenta published Remember Me Mrs V: Caring for my wife and others’ stories, a tribute to his wife, Marie.

Marie was diagnosed with Alzheimer’s disease, aged 54.

"I am humbled by this honour," Mr Valenta said.

"The writing, advocacy and other work I have done for Dementia Australia has been exceptionally satisfying.

"Having lost my wife Marie to Alzheimer's disease I do not want any of my children or grandchildren to experience any form of dementia."

Mr Valentawent on an extensive tour of Victoria, Sydney and Adelaide, raising awareness of dementia and selling the book at some 60 Rotary,

Probus and other service club meetings.

All the proceeds of the 5000 books sold have been donated to Dementia Australia.

Tom was recognised as an honorary member of Dementia Australia in 2013 and continues in his advocacy role as a public speaker and an active member of various committees and advisory groups.

The book can be bought through Dementia Australia or for Kindle from Amazon.

Mr Valenta produced another valuable awareness raising project with the Australian Centre for the Moving Image – A Letter to Marie.

To see it, go to cv.vic.gov.au and search for Valenta.

Other publications by Mr Valenta are: Every Precious breath: Inspirational stories about living with Cystic Fibrosis, 2010; How the Light

Shine In: 40 years of Task Force Community Agency, 2013; and Voyage of Hope - The History of Odyssey House in Australia, 2017. *Dementia Australia is the national peak body and charity for people of all ages living with all forms of dementia and for their families and carers.

It provides advocacy, support services, education and information.

An estimated 436,000 people have dementia in Australia.

This number is projected to reach almost 1.1 million by 2058.

Dementia Australia is the new name of Alzheimer’s Australia.

National Dementia Helpline 1800 100 500 Interpreter service available

22

FEBRUARY, 2019// SENIORS

Money

Put brakes on debt

The news is all good Paul Clitheroe JANUARY 1 saw a raft of new reforms introduced that can help consumers avoid unmanageable credit card debt.

If you apply for a new card, the credit limit will be based on what you can afford to repay over three years assuming the maximum card rate, which is usually the cash advance rate.

For the record, that can be more than 20%.

This could mean your credit limit is less than expected. That’s not always a bad thing. We have a tendency to overestimate our ability to repay debt and underestimate how much we’ll rack up on the plastic.

Putting the brakes on how much debt you can get into if the card is maxed out is a positive step.

Balance transfer deals could also be less generous. Instead of

being able to transfer all your card debt to a 0% transfer card, chances are you’ll only be able to shift over a smaller chunk of the balance. This comes back to the new rules about maximum credit limits.

The downside here is you may end up with two cards – one for the balance transfer deal, as well as your old card, still laden with debt.

The risk is it’s easy to reload both cards with more purchases and potentially end up owing more than you started with. Unless you knuckle down to pay off both cards, it can be worth using a personal loan to clear the slate. It could end up saving you money in overall interest charges.

Card reforms also involve changes to the way interest is calculated.

If you don’t pay off the card in full each month, you’ll only be charged interest on purchases

SAVING MONEY: New credit card rules are in and the news is all good. from the date they were made, rather than from the payment date of the last statement. This change isn’t restricted to one or two card issuers, it applies across the board, and could see plenty of cardholders paying less interest. The latest

reforms are a step in the right direction but the single best way to keep down interest costs is by paying off the balance in full each month. If you carry an ongoing card debt, look around to see if you could get a better deal.

Prepare wills to avoid litigation WHEN you leave behind a will, you do so with the heartfelt intention to look after you loved ones.

But unfortunately, family members don’t always agree with the wishes in a will.

Relatives might want more than what ‘they got’ from an estate, or be spurned into litigation by finding out they were left out of a will all together.

A poorly prepared will, without a fair consideration of how assets should be distributed to close relatives, can mean a will is contested through a family provision claim.

These claims can be made for some or, or a larger share of, a deceased’s estate, and are lodged to the Supreme Court.

Only some people are legally eligible to apply – usually a spouse, child or grandchild or a person with whom the deceased was living in a close personal relationship with.

This does not include carers.

The court considers whether the deceased maintained the eligible person.

If eligibility can be established, further

‘‘

Family members don’t always agree with the wishes in a will. information is considered in a two-stage process.

First, the court considers if there is adequate provision from the estate for the applicant’s maintenance, education and advancement in life.

Second, the court considers what, if any, provision should be made out of the estate in favour of the applicant.

The court considers anything relevant – with no exhaustive list of issues to examine. This might be the applicant’s financial circumstances, the relationship between the applicant and deceased, the responsibilities to the applicant, contributions by the applicant to the estate and the applicant’s character.

Estate litigation is costly for all parties and legal costs can come out

Getting on top of any debt is harder when you’re paying above the odds and plenty of smaller banks and credit unions like Northern Inland Credit Union (8.99%) and G&C Mutual Bank (9.49%) are offering low rate cards that can cut your interest

Photo: Murray Waite

of the estate.

Worse, those involved are usually still grieving for a loved one.

The best way not to prevent a contest to a will is by preparing the document with legal hindsight into potential legal challenges.

Lucy McPherson is a senior associate at Attwood Marshall Lawyers, located at Robina, Coolangatta and Kingscliff, NSW. Phone 1800 621 071 for a complimentary estate planning review.

costs, freeing up cash for extra repayments.

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

Use these tips to save up to $5000 Paul Clitheroe

Attwood Marshall Lawyers senior associate Lucy McPherson. Her expertise is estate litigation.

Photo: Pixabay

LOW household savings are a real source of financial stress, yet it’s possible to grow a pool of cash without having to sell a body part or scrimp on lifestyle. Let’s take a look at five ways to save more than $5000 in 2019.

1. Pay less than 4% on your home loan The average home loan is worth $386,000 – a big chunk of money, so there’s plenty of scope to save. Not so long ago, if your mortgage interest rate doesn’t start with a ‘4’ you were paying too much. But shop around and you’ll find smaller lenders like Move Bank (3.59%) and Reduce Home Loans (3.44%) are charging even less.

The thing is, home owners are still paying an average rate of 4.65%.

Yes, refinancing can come with costs but here’s a chance to cut close to 1% off your loan rate, potentially saving around $3860 in interest this year alone.

2. Clear the credit card Australians owe an average of $3220 per credit card. Reserve Bank

describes as ‘low rate’ cards, the rate is typically 13%. Aim to pay off your card in 2019.

3. Use unit pricing Consumer group Choice estimates we could save $1600 on groceries in a 12-month period just by looking at unit prices.

You’ll find these displayed on supermarket shelves just below the ticketed price.

4. Drop your biggest money waster We all tend to have at least one habit that sees us waste valuable cash.

Think of just one habit you could drop to boost your savings.

5. Cut investment costs I’m a big fan of investing however I’m not so keen on paying more than necessary to keep my money working hard.

Canstar research found the annual fee on a ‘balanced’ investment fund can be up to 2.42%.

It’s possible to pay far less.

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

SENIORS \\FEBRUARY, 2019

23

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REVIEWS

An unlikely road trip to save you IN THEIR tiny pale green cottage under the trees, Mallory Cook and her five-year-old son Harry are a little family unit who weather the storms of life together.

Money is tight after Harry’s father Duncan abandoned them to expand his business in New York.

So, when Duncan fails to return Harry after a visit, Mallory hurries to boards a plane to bring her son home any way she can.

During the journey, a chance encounter with three retirees on the run from their care home leads Mallory on an unlikely group road trip across the United States.

SUPENSE could be well be Jonathan Kellerman’s middle name.

The international best-selling author’s latest book, The Wedding Guest, does it again as it reels you in with a gripping tale of an uninvited guest, a missing identity and a trail of deadly secrets.

When a horrified bridesmaid finds the body of a young woman at a wedding reception, it makes the bride and groom’s choice of a Saints and Sinners theme all the more macabre.

There are no means of identification and nobody knows the victim.

The bride is convinced someone is trying to sabotage her big day.

The groom is sure it’s a dreadful mistake.

It’s up to brilliant psychologist Alex Delaware and LAPD Lieutenant Milo Sturgis to uncover the truth.

They have a hundred guests to question, and a strong suspicion that the motive for murder is personal.

The party’s over – and the hunt for the killer is on.

‘‘

Zadie, Ernie and Jock each have their own reasons for making the journey and along the way the four of them will learn the lengths they will travel to save each other – and themselves.

Charlotte Nash is the bestselling author of six novels.

She is an intrepid traveller with a lifelong love of new experiences, and has adventured around Australia and the world for both work and

Murder, mishap and crime

A wedding and deadly secrets

Charlotte Nash is the bestselling author of six novels.

pleasure, including in her pre-writing life as an engineer and medico.

Published by Hachette Australia, Saving You is

available in bookshops, RRP$29.99 and as an ebook, RRP$12.99.

25

MURDER in colonial Sydney was a surprisingly rare occurrence, so when it did happen it caused a great sensation.

People flocked to the scene of the crime, to the coroner’s court and to the criminal courts to catch a glimpse of the accused.

Most of us today rarely see a dead body. In nineteenth century Sydney, when health was precarious and workplaces and the busy city streets were often dangerous, witnessing a death was rather common. And any death that was sudden or suspicious would be investigated by the coroner.

Henry Shiell was the Sydney City Coroner from 1866 to 1889.

During his unusually long career, he delved into the lives, loves, crimes, homes and workplaces of colonial Sydneysiders. He learnt of envies, infidelities, passions, and loyalties, and just how short, sad and violent some lives were. But his court was also, at times, instrumental in calling for new laws and regulations to make life safer.

This is the story of life and death in colonial Sydney.

Published by Harper Collins. Available in bookshops. RRP $35.

Published by Penguin, in bookshops in hardback for RRP $39.99 and in paperback for RRP29.99.

Nobody can run forever from both sides of the law CLINT Eastwood returns as the director and in the lead role in a crime drama about an elderly war veteran in his 80s who smuggles cocaine through Michigan for a Mexican drug cartel.

Eastwood is Earl Stone.

He is broke, alone, and facing foreclosure of his business. Then he is offered a job that simply requires him to drive.

Easy enough, but unbeknown to Earl, he’s just signed on as a drug

courier for a Mexican cartel.

He does well. So well, that his cargo increases exponentially and Earl is assigned a handler. But he isn’t the only one keeping tabs on Earl.

The mysterious new drug mule has also hit the radar of hard-charging DEA agent Colin Bates.

And even as his money problems become a thing of the past, Earl’s past mistakes start to weigh heavily on him, and it’s

uncertain if he’ll have time to right those wrongs before law enforcement, or the cartel’s enforcers, catch up to him.

The co-stars are Bradley Cooper and Laurence Fishburne, Michael Peña and Taissa Farmiga.

The Mule is based on the story of Leo Sharp, a WWII veteran in his 80s who became a drug courier for the Sinaloa Cartel.

The Mule in cinemas now.

NEW MOVIE: Earl is a man in his 80s; broke and facing foreclosure of his business, and then he is offered a driving job.

Photo: CLAIRE FOLGER

26

FEBRUARY, 2019// SENIORS

Community notes

Community group guide WE welcome your articles. If you would like to submit a photo ensure it is at least 180dpi or 500kb to 1mb in size and of faces, in a nice bright setting. Email editor@seniors newspaper.com.au.

TOOWOOMBA SENIOR CITIZENS CLUB

WE HAVE a choir, cards, indoor bowls, Tai Chi, Yoga, Nia, concerts, craft, crochet, Wednesday night and Thursday afternoon dancing, Line dancing and Tap dancing. Located at 39 Victoria St, Toowoomba. Phone 07 4632 7157 or email seniorcitizenstba @bigpond.com.

TOOWOOMBA NATIONAL SENIORS

OUR Branch holds our morning tea on the first Thursday of each month, at All Seasons Function Centre, cnr North & Tor Sts, Wilsonton commencing at 9.30am.

Visitors welcome. Lucky door and raffles to be

won. February 7 is our annual donation to Toowoomba Hospice Adopt a Room and will be entertained by Ron Fraser.

March 7 will be Don Talbot. Phone Desma 07 4613 6750 or Yvonne 07 4638 5252.

CAR BOOT SALE

THE Combined Mission Committee of St Stephen’s and Middle Ridge Uniting Church will hold a Car Boot Sale on Saturday, March 9 at 264 Stenner St. Come and browse, have a sausage sizzle or to book your own site, phone Sandra on 07 4636 9814. Proceeds to Mission projects in the Pacific region.

TOOWOOMBA PARKINSON’S SUPPORT GROUP

SPECIAL THANKS: A presentation was made to retiring padre Matthew Weatherley on his retirement by NSAA Toowoomba president Bill Lane. The presentation of ‘The Hands’ by Bill was carved by Keith Shepherd.

THE Toowoomba Dance for Parkinson’s weekly classes are held each Tuesday at 11am to 11.45am at the Radiance Dance Academy, High Street Plaza, Meibusch Street, Rangeville. We look forward to seeing all the regular faces plus some new ones. The classes are open to People with Parkinson’s plus husbands, wives, carers, partners and supporters. If you want to work towards improving balance, co-ordination and movement, then these classes are for you!

It is also a wonderfully social group with no pressures. Movement can be seated, supported or standing. Phone Carol on 07 4696 6122 or Sally on

message was always “change starts with you”, so check out what events there are in your area, or start your own.

Toowoomba Regional Council supports the event by removing rubbish from registered sites.

Go to cleanup australiaday.org.au or phone 1800 282 329 for site details.

What's on WEIGHT CHALLENGE

A COMMUNITY Weight Loss Challenge starts on February 11 from 5.30pm at Toowoomba Library.

While there is a product range involved, the organiser has told Seniors News there is no pressure to buy it and many have lost weight simply by following the nutritional and healthy eating education involved. It’s for everyone from 20-80.

For details, phone 0418 489 847.

VALENTINE’S DAY

IT’S ALMOST here again already, so for those of you who need a little reminder to spoil the one you love, Valentine’s Day this year is February 14.

There are special lunches and dinners at various venues, but a picnic in the park is just as nice to avoid the crowds, and flowers, chocolates, jewellery, photos and wine are among the most popular presents, or just a

0437 012 653.

The Park ‘n’ Songs Choir sessions recommenced on Friday, February 1 at 11am at the USQ Concert Hall. Cost is still a gold coin donation.

We look forward to seeing all the regular faces plus some new ones. The choir is open to People with Parkinson’s plus husbands, wives, carers, partners and supporters, if you want to work towards improving volume and clarity of your voice plus have a fun time and enjoy a shared lunch afterwards then this is a great group to join - even if you think you can’t sing.

For more information, phone Carol on 07 4696 6122.

The first meeting of

HOT RODDERS

GET YOUR BOOTS ON: Cyndi Lauper's fun and emotional Kinky Boots kicks off the Empire Theatre season from March 22-31 and tickets are on sale now. card that lets someone know they are special.

OLD-TIME DANCE

IF YOU enjoy dancing the old-fashioned way, this one is for you. It’s at Baker St, Darling Heights from 8pm to midnight every Saturday night, with live music thanks to five different bands on rotation. There’s also a homemade supper supplied, lucky door prize, Monte Carlo, lucky spot and raffle. Cost is just $10. Phone 4634 3119 or email helenmstein @outlook.com.

OAKEY CELEBRATES

OAKEY Agricultural, Pastoral and Rodeo

Society’s Rural Ambassador and Miss Showgirl awards are being celebrated at Oakey Cultural Centre from 5.30pm on March 2. The Cool Nights Big Band will whip up the music for the jazz evening and a two-course dinner is served as part of the $40 ticket. Phone 0407 115 709 and get your tickets by February 20.

CLEAN UP

IAN KIERNAN, who started Clean Up Australia Day, died last year, so it would be a fantastic tribute to him to get more people than ever out there picking up rubbish this year on March 3. His

TOOWOOMBA’S Hot Rodders present High Altitude 2019 on March 8-10. There’s a meet and greet at the club rooms on Friday night, a rock and roll dinner at the Down Under Bar at the showgrounds on Saturday, and then the big event, the Show n Shine behind Cobb+Co Museum from 9am-1pm Sunday, with music by the Zephyr Project, plenty of stalls, and fun for the grandkids.

Phone 0481 094 921.

WOMEN’S DAY

INTERNATIONAL Women’s Day is being marked by the Institute of Managers and Leaders at Fitzy’s Toowoomba from 12-2pm on March 8, aiming to create more opportunities for women in leadership roles, with company policies like affirmative action, maternity leave and blind

Toowoomba’s Parkinson’s Support Group for the year will be held as usual on the first Thursday of the month, on February 7 at 11.30am in the Community Meeting Rooms, Level 3, Toowoomba Regional Library, Victoria Street, Toowoomba. There will be time to talk and chat together and then meet the guest speaker, Rachel Jeffrey, Support Co-ordinator from Parkinson’s Queensland.

All welcome. There will be a shared lunch during meeting. Phone Carol Chalmers on 4696 6122.

GARDEN CITY COUNTRY MUSIC ASSN INC

COUNTRY music competition for amateur contestants of all ages, 18 different sections.

Concert Saturday night featuring Champion Yodeller Laura Downing supported by Tony Wagner.

General admission $10 adults/$8 age pensioner – Concert admission $10 if paid with general admission. Patrons arriving after 5pm for the concert will pay $15.

Roast meal available on Saturday night - $15. On March 23-24, begins at 8.30am each day at the Oakey Cultural Centre.

Tickets: Pay at the event or for more, go to gardencity recruitment helping to combat the pay gap and the glass ceiling. The theme this year is #Balanceforbetter. Keep an eye out for other events to get you inspired about what has been achieved and what is to come.

WOMEN’S HEALTH EXPO

DARLING Downs Women’s Health expo is on at Highfields Cultural Centre on March 9, aiming to show women the support network available. Running from 10am-3pm, the expo will have a range of exhibitor stalls and guest speakers including endometriosis, nutrition, diet, cooking demonstrations and yoga classes. Phone 0431 015 441 or go to qendo.org.au/whe.

NANANGO MARKETS

THE NANANGO Country Markets are on the first Saturday of each month, and organisers reckon they are one of the biggest markets in rural southeast Queensland, averaging 380 stalls across the 35 acres at the showgrounds. From 6am-12pm. Phone 0427 631 273, 4163 1273 or go to nanangoshowsociety.net.

countrymusic.com.

TOOWOOMBA MODEL RAILWAY CLUB INC

IF YOU have an interest in model trains, great! So do we, and it is our intention to make your visit to the TMRC Inc. website an interesting and informative one. Most importantly, if you are in the Toowoomba area, either live here, or visiting, why not come along to the clubhouse and see the extensive layouts in Z, N and HO scales. On Saturday afternoons, you will find us in the Model Railway Museum & Display Centre, Toowoomba Showgrounds from 2pm.

Phone 07 4638 0397 or go to toowoombamodel railwayclub.com.au.

NSAA TOOWOOMBA

ON FEBRUARY 16 the National Servicemen will hold their Annual Memorial Service at the State National Servicemen’s Memorial in East Creek Park. Cadets from Toowoomba Grammar as well as the Air Force and Navy cadet units will attend. The morning service commences at 9.30am and all National Servicemen, widows and supporters are invited to attend.

NOT SO KINKY

KINKY Boots is the incredibly popular new musical with a score by Cyndi Lauper based around the true story of aspiring young businessman Charlie Price, who gives up his London life to save his late father’s bankrupt shoe factory. Headlining the Empire Theatre’s 2019 season, director Alison Vallette wanted to assure audiences the play was about far more than a great pair of shoes, and that there was no deviant behaviour involved.

“This story is about acceptance, tolerance, determination and love,” she said … with a whole lot of fun along the way.

The show is on from March 22-31 so get your tickets. Phone 1300 655 299 or go to empiretheatre.com.au.

CHINESE NEW YEAR

JOIN in the free celebrations for the Year of the Pig on February 16 at the Clive Berghofer Recreation Centre, 20 Baker Set, from 10am to 2pm. There will lots of activities to enjoy - a live Lion Dance, face-changing act, calligraphy, martial arts demonstration, food and market stalls.

Phone 4688 0700.

SENIORS \\FEBRUARY, 2019

G E N E R A L K N O W L E D G E

1

2

3

4

8

5

6

Across 1 Which charismatic American evangelist attracted large audiences from 1948 into the 21st Century? (5,6) 8 What is a slender tower of a mosque? (7) 9 In the US, a stogy is a cheap what? (5) 10 What is a kiln for drying hops? (4) 11 Which chemical element has the symbol Re? (7) 12 What is the military abbreviation for company? (3) 13 What word can follow cue, dead and masked? (4) 15 What is an escritoire? (4) 17 Which Portuguese territory in India was seized by India in 1961? (3) 19 Which disease is the largest killer of people in the world? (7) 20 Members of which organisation control about twothirds of the world’s oil reserves? (4) 23 The pulmonary vein carries blood from where? (5) 24 Which region above the arctic circle is also called Saamiland? (7) 25 The solo dance The Dying Swan was created for which ballerina? (4,7)

7

9

10

11 12 13

14

15

16

17

18 20

19

21

22 23

24

PUZZLES

27

Down 1 What is the main food of the panda? (6) 2 A seaside golf course (5) 3 Where in England is the largest gothic cathedral in northern Europe? (4) 4 What engine is associated with Felix Wankel? (6) 5 What is the main house on a Spanish ranch? (8) 6 What black-and-white birds are symbols of good luck in China? (7) 7/12 When Concorde was retired, which UK broadcasterjournalist said: “This is one small step for a man, but one huge leap backwards for mankind”? (6,8) 14 What is the capital city of Georgia in the US? (7) 16 What is a piece of jewellery thought to give protection against evil or danger? (6) 17 Who (George ___) is best known for his public-opinion surveys on politics? (6) 18 What was Nova Scotia formerly called? (6) 21 Which Greek philosopher taught Aristotle? (5) 22 What four-letter word describes Private Walker in Dad’s Army? (4)

2/2

25

SUDOKU

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

QUICK CROSSWORD 1

2

3

4

8

5

6

7

9

5x5

ALPHAGRAMS

Insert the missing letters to make ten words — five reading across the grid and five reading down.

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 fiveletter solution starts with J, the six-letter solution starts with K, and so on.

H L

11 12

17 20

19

24

QUICK CROSSWORD Across: 1. Meritorious 8. Smitten 9. Solve 10. Sane 11. Warfare 12. Sin 13.

Gaga 15. Chew 17. Net 19. Explode 20. True 23. Whine 24. Repulse 25. Dirty tricks.

Down: 1. Misuse 2. Reign 3. Tote 4. Renown 5. Obstruct 6. Salvage 7. Tiered 12. Saboteur 14. Applied 16. Leeway 17. Nearby 18. Recess 21. Relic 22.

Spur.

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.

TODAY: Good 14 Very Good 18 Excellent 21

Find a finished crossword by deleting one of the two letters in each divided square.

Solution opposite

BLACKOUT

ALPHAGRAMS: KILLS, LEMONS, MANURES, NEARNESS, ORCHESTRA.

DOUBLE CROSS

SUDOKU

5x5 S T E A L

R T

GK CROSSWORD Across: 1 Billy Graham. 8 Minaret. 9 Cigar. 10 Oast. 11 Rhenium. 12 Coy. 13 Ball. 15 Desk. 17 Goa. 19 Malaria. 20 OPEC. 23 Lungs. 24 Lapland. 25 Anna Pavlova.

Down: 1 Bamboo. 2 Links. 3 York. 4 Rotary. 5 Hacienda. 6 Magpies. 7/12 Jeremy Clarkson. 14 Atlanta. 16 Amulet. 17 Gallup. 18 Acadia. 21 Plato. 22 Spiv.

619

WORD GO ROUND

U

Down 1. Mistreat (6) 2. Rule (5) 3. Carry (4) 4. Fame (6) 5. Block (8) 6. Save (7) 7. Layered (6) 12. Bears out (anag) (8) 14. Made a formal request (7) 16. Allowance (6) 17. Close (6) 18. Niche (6) 21. Memento (5) 22. Urge on (4)

WORD GO ROUND

S R

E

ours oust outs roust rout routs rust ruts sour stout strut surtout tortuous TORTUROUS torus tour tours tout touts trout trust tutor tutors tuts tutu

O U

O T

A

SOLUTIONS

25

Across 1. Commendable (11) 8. Besotted (7) 9. Decipher (5) 10. Of sound mind (4) 11. Hostilities (7) 12. Wickedness (3) 13. Mad (colloq) (4) 15. Chomp (4) 17. Catch (3) 19. Detonate (7) 20. Accurate (4) 23. Complain (5) 24. Drive back (7) 25. Underhand acts (5,6)

SKILL SOLEMN SURNAME ENSNARES CARTHORSE

Note: more than one solution may be possible.

22 23

P N

21

T T

C

18

M I T R E

16

R

15

A G A P E

14

H E R O N

13

G

S L I C K

10

M

Z W E O T A C D E Y M G Z C T

T E N E T C A Y I T A R T A N

I X G T U Z N C T O L P A H U

S P U R R E D O I D L E S I N

S T L S Q Q I V E R V Z S S N

U N F O U N D E D M W H E R E

E B W Z O S R F U U E H L X R

I M U B I L L L H E R O E F Y

T J S R S D O D A V E U A C N

O V A T E W R A R E Q F L U X

M T T D H D E U R C U S M N U

C L U M P S P S Y N D R O M E

A U R D O Z K I B F D G S C R

T E N U O U S L Y N E S T E R

D E E B L O L K V Q R I Y Z S

BLACKOUT

Work out which squares need to be deleted to reveal a completed crossword.

Solution opposite

DOUBLE CROSS

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

S Y N D R O M E C L U M P S

D E R S S T E R R S A T E R N U O O L U S I L K Y

28

TOOWOOMBA

FEBRUARY, 2019// SENIORS

D P

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–S

S

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M

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DISCOVER ACTIVE LIVING

A T

in Highfields Five Star Country Club Luxury New Homes Extensive Lifestyle Facilities

IS A

$469,000 D IS

FROM

$439,000

GemLife offers luxury resort-style living with world-class lifestyle facilities on your doorstep.

Built with active over 50s in mind, it really is the place to live in Highfields.

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1800 910 278 | www.gemlife.com.au/hfs2 MAROOCHYDORE QLD | BRIBIE ISLAND QLD | HIGHFIELDS QLD | LENNOX HEAD NSW | WOODEND VIC

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2

Y

N

2

A

PE

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TOTAL HOUSE AREA 184.72m2

3

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ZIERIA

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$489,000

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N

N

FROM

Walk in pantry & study

FROM

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Walk in pantry & study

O

2

2

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TOTAL HOUSE AREA 220.64m2

2

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3

$469,000

ORC H I D

3

TOTAL HOUSE AREA 206.71m2

2

Walk in pantry

FROM

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3

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TOTAL HOUSE AREA 206.10m2

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