Toowoomba & Darling Downs, June 2017

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In this edition

Feature: William McInnes .................................Pages 4-5 Travel ................................................................Pages 13-15 Wellbeing .........................................................Pages 17-18 Feature :Financial literacy ..........................Pages 22-23 Puzzles ....................................................................Page 27

Contact us Editor Gail Forrer gail.forrer@seniorsnewspaper.com.au Media Sales Manager Kristie Waite kristie.waite@seniorsnewspaper.com.au Now online Get your news online at www.seniorsnews.com.au Advertising, editorial and distribution enquiries Phone: 1300 880 265 or (07) 5435 3200 Email: advertising@seniorsnewspaper.com.au or editor@seniorsnewspaper.com.au Location: 2 Newspaper Place, Maroochydore 4558 Website: www.seniorsnews.com.au Subscriptions Only $39.90 for one year (12 editions) including GST and postage anywhere in Australia. Please call our circulations services on 1300 361 604 and quote “Toowoomba Seniors Newspaper”.

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

Celebrating sixty and what’s ahead

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

And why would he, he looks good to me.

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

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

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

FROM THE EDITOR’S DESK GAIL FORRER

Group editor Seniors Newspapers network

confident in saying this sort of gift takes the active aging philosophy to

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

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

❝

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

During the 1980s when my parents turned 60, life rolled on amidst clouds of tobacco smoke, news of Alan Bond, Robert Holmes a Court and Bob Hawke.

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

on youthful photos.

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

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

potions and lotions.

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

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

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

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

— Cheers Gail

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Your chance to join the artistic life Alison Houston

THE McGregor Winter Arts Retreat at USQ is a chance to immerse yourself in art and inspiration and forget about the outside world for a day or a week.

At the same time, you create works and learn skills which you take home with you forever.

As the winter retreat prepares for its 30th year, from July 3–7, the words of long-standing tutor and oil and acrylic artist Michael Winters perhaps best summarise what has been described as “The McGregor glow,” according to educational events co-ordinator Cassy Stephan.

“The miracle happens when the alchemy of tutor and student combine through words, canvas, brushes, paint and colour,” Michael said.

“Then, at school’s end, the canvases spread their wings and, once home, the miracles are then

enjoyed by others ...”

Retreats are held in winter, spring and summer, with the latter celebrating its 50th year in January next year.

They are open to all ages and experience levels, from beginners to proven talents, and attract participants from all over the country.

Subjects this winter include acrylics, watercolour, charcoal, urban sketching, mixed media, jewellery-making, oils, furniture-making, sculpture, millinery, textiles, sewing and pattern making and photo bookmaking.

“It allows you to live like an artist and learn from renowned tutors, national and international,” Cassy said.

One such artist is Lismore master wood craftsman Geoff Hannah, who has been sharing his skills at the school since 1981, having returned from a Churchill Fellowship to study in

Seniors 3

SHARING THE MAGIC: Master wood craftsman Geoff Hannah has been sharing his skills at the McGregor Winter Arts Retreat since 1981.

PHOTO: JACKLYN WAGNER

London and Paris.

One of his major works, the Australiana Cabinet, sold to a wealthy Belgian buyer for nearly $500,000. And little wonder, with Geoff devoting literally years to each piece. His Hannah Cabinet, now for sale at Bungendore Wood Works Gallery, was made over a

six-year period using 34 different Australian and international timbers, four species of shell and 17 varieties of precious stone, with extensive marquetry inlays on 18 doors and 140 drawers.

Geoff, who turns 69 this year, began in carpentry at just 15 and is the school’s longest-serving tutor.

“I really enjoy passing on the knowledge I have in woodwork, inlay, marquetry, polishing, the gold work.

“Some students have been coming for 20 years, and they’ve furnished their whole house with mirrors, beds, wall cabinets …”

The camaraderie is another thing Geoff loves

about his classes, which are limited to just 14 and mainly attract those in their 40s to 80s.

“We’re like a big woodworking family,” Geoff said.

For more, contact McGregor schools by email at mcgregor@usq. edu.au or call 07 4631 1111.

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Did you know that we have a sister city in Whanganui in New Zealand? This year we’re visiting and we’d like to take you with us! We’ve partnered with Stonestreets Travel to create a stunning 14 day tour through the North Island of New Zealand.

Departing from Toowoomba’s Wellcamp airport on 7 November, this legendary tour begins in Auckland and will show you the highlights of the North Island, including New Plymouth, Wellington, Napier, Rotorua and Paihia before returning to Toowoomba on 20 November. Your tour includes 13 nights’ accommodation, luxury coach travel, transfers, all tour admissions, meals where indicated $5,490pp (twin/double) $1,145pp (single supplement). For more info or to book, call Stonestreets Travel on 4687 5555 or visit www.stonestreets.com.au

We offer a free heritage advisory service to help property owners with the renovation and conservation of their homes. Our experienced conservation architect provides advice on maintaining the character of historic properties and their surrounds. This service is available to all property owners of commercial, residential and rural buildings throughout the Toowoomba Region. Developers and designers are welcome to use this service.

For more info, call 131 872 or visit www.tr.qld.gov.au

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Ever thought about joining the State Emergency Service? By joining the SES you can make a life-changing commitment during disasters and emergencies. For more info on joining, call 4592 5230 or email qsesswradmin@qfes.qld.gov.au

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

Volunteer at Crows Nest Regional Art Gallery Crows Nest Regional Art Gallery is seeking volunteers for the roles of volunteer gallery attendant and event assistants to provide support for opening events, artist talks and workshops. If you have a positive personality, enjoy meeting people and providing quality customer service we’d love to hear from you! Training will be provided. No art knowledge is required, although art students and artists are encouraged to apply. Please direct enquiries to 4698 1687 or email crowsnestart@tr.qld.gov.au TRC_0617_SN

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seniorsnews.com.au Monday, June 12, 2017

Actor William McInnes ❝

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

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

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

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

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

Yes, William McInnes has been around a while.

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

He’s 53 this year and with a self-effacing sense of humour accepts that his body has undergone certain changes.

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

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

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

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

Even when he runs into a couple of funsters at one his book-signing events.

“What happened to you?” one lady asked the

author.

“You used to be so good looking.”

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

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

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

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

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

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

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

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

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

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along with the Queensland family life that included his four siblings.

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

For many they mirror their own lives.

Besides, writing, acting and family life, McInnes says he takes an interest

in civic life, because you get the politicians you deserve and sometimes that can end up being a load of “clowns running the show”.

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

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

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

His books paint the backyard, the classroom, the dad who ran as the local Labor candidate

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voices joy of life “It’s a time when we can hunker down together,” he said.”

“When you lose a mother, a wife, those are the moments you can be yourselves and have fun.”

In terms of religion, he calls himself a “New Testament Lapsarian”.

But basically, his approach on life is very simple.

“Don’t take yourself too seriously.”

Seniors 5

Actor and author William McInnes will be the guest speaker at the Paradise Lagoons Ladies Luncheon on Saturday, July 20.

PHOTO: CONTRIBUTED

■ BEHIND QUEENSLAND’S WORDS, NOOSA’S 2017 WRITERS FESTIVAL

DANGEROUS TEAM: The stars of the telemovie Dangerous Remedy, from left, Maeve Dermody, Jeremy Sims, Susie Porter and William McInnes.

PHOTO: ABC TV

and all in all, Australia is a good country.

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

“But we haven’t got a lot to complain about,” he says.

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

These days he says he and the kids, now young adults, stick to an annual holiday as the time to process their loss and make more memories,

William McInnes (will join writer and TV personality Anna Daniels and singer Jeunae Rogers at Behind Queensland’s Words, Noosa’s 2017 Writers Festival and Queensland Day celebration on June 10.

When: Saturday, June 10.

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Empire celebrates 20 years of rebirth and entertainment

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IT BEGAN on a dark and stormy night 20 years ago.

But far from being a horror story, the tale of the Empire Theatre has been one of ongoing success. It’s a story the theatre is celebrating on Sunday, June 25 with a free open day comprising performances, workshops, tours, displays screenings and more from 10am.

Events manager Margaret Turnbull remembers opening night on June 28, 1997 saw some of the worst weather Toowoomba had experienced in years. But it didn’t stop residents turning out in droves to two nights of gala concerts.

“It was terribly exciting,” she said.

The Empire closed its doors as a cinema in 1971, primarily due to competition with TV and the drive-in. After a few

BEYOND EXPECTATION: Events manager Margaret Turnbull says no-one could have foreseen just how busy and diversified the unique Empire Theatre would become.

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different uses, it had fallen into a sad state of disrepair. With the realisation that Toowoomba needed more than its 486-seat city hall for entertainment, the Empire was given a new lease on life in 1997. The theatre, the largest regional theatre in Australia with 1567 seats, has become increasingly busy over the years, and Margaret said technical improvements had allowed shows to become more spectacular than anyone could dream.

“It’s amazing how the theatre has grown,” Margaret said.

“Twenty years ago, we couldn’t have even imagined what we are doing now … how big and busy and diversified it would become.”

You can hear some of the stories of years gone by in tours which will take you back and front of stage as part of the open day. For more visit www. empiretheatre.com.au.

STILL THE STAR: Toowoomba’s Parks and Gardens will again be curated into splendour.

THE secret’s out … the planning that’s been going on behind closed doors since last year’s Toowoomba Carnival of Flowers has bloomed into a 2017 program as big and bright as ever. Having won gold in the Major Festival and Event category at last year’s Australian Tourism Awards, organisers had a lot to live up to. And it looks like they’ve done it with a program of more than 60 events, including

internationally acclaimed singers and musicians, award-winning parks, gardening and food experts and delicious produce all to be showcased.

The spotlight is on the city’s parks and gardens with Laurel Bank Park, Queens Park, Picnic Point, Spring Bluff and the Japanese Garden all carefully curated to showcase the best of spring flowers. The garden competition is now open,

with entries due by July 31 and a total of $53,000 up for grabs. Judging is from September 1–8 and you have to be willing to open your gardens to the public throughout the festival.Of course, the Grand Central Floral Parade is a perennial favourite, and takes over the city again on Saturday, September 16. This year’s program runs from September 15–24. Check the full program at www.tcof. com.au.

Monday, June 12, 2017 seniorsnews.com.au

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Seniors 9

70s happiest time to work Alison Houston

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

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

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

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

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

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

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

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

Without the stresses of

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

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

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

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

that difference,” Rhonda said.

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

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

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

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

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

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

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

How would you make the world a better place?

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

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

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

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

may never enjoy simply because they need the money. Diana said everyone, working or retired should think about what they are doing to leave Australia, and the world a better place.

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Talk ‘n’ thoughts Hurdles, highjumps and solutions

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

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

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

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

FROM THE EDITOR’S DESK GAIL FORRER

Group editor Seniors Newspapers network

many years before and he basically led a single life.

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

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

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

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

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

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

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

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

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

FREE INFORMATION SESSION

Mon 19 June

A related report published in ‘The Conversation’ stated that of the 15.7% of women and 7.1% of men who had experienced economic abuse, the risk peaked between the ages of 40 and 49. In this age group, 20.9% of women and 10.3% of men reported economic abuse. The figures from the ABS noted the questionaire asked if tactics were used to “prevent or control your behaviour with the intent to cause you emotional harm or fear”. This caveat is important as economic abuse, like other forms of intimate partner violence, is a pattern of behaviour that often starts with seemingly innocuous or caring behaviours.

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

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Mon 19 June

11AM

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

Book flights and hotels

The Valley’s Very Own Over 55’s Lifestyle Village AFTERNOON SESSION

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

Make travel plans

Don’t Miss Out! MORNING SESSION

projects to make work.

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

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

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

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

the trust document – he blamed this on the unreasonable cost it would incur.

Four years later, the money from the house sale had gone and the bank wanted further payments. He had an affair and packed her belongings, paid for three months in a storage shed, walked into her office and put the storage receipt and keys to the shed on her desk. The same as many people he had done business with – he had gained their trust and taken money. and She said even after that, she trusted him to give back her money and she didn’t have funds for solicitors anyway. In the early days, he kept her at bay with a few payments of $1000. She was shattered. Eight years later, there is no sign of repayment, she rents, he

Share your thoughts

5PM

Venue: Gatton Golf Club, Woodlands Rd, Gatton Q. 4343

Toowoomba - Leading IT Trainer for Seniors

Come along and enjoy an information session covering the benefits of lifestyle living for active over 55’s wanting a tree change, plus the benefits of buying off the plan.

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Please RSVP to hello@lockyervalleyresidentialvillage.com.au with your preferred session time by Friday 16th June 2017. Spots are limited.

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M: 0439 622 500 www.lockyearvalleyresidentialvillage.com.au hello@lockyearvalleyresidentialvillage.com.au

Talk to Dave today on 4633 2313 or visit his website www.davidf.com.au

Toowoomba & Darling Downs

Monday, June 12, 2017 seniorsnews.com.au

Community HOW TO SUBMIT NOTICES

TO ALLOW for readers’ requests for the publication of more neighbourhood news, please keep notices short and to the point (100 word maximum).

If you would like to submit a photo please ensure it is at least 180dpi with faces in a nice and bright setting.

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

GARDEN CITY NSAA

GARDEN City Branch of National Seniors meet on the third Monday of the month, except December, at Drayton Bowls Club.

The next meeting will be Monday, June 19 starting with morning tea at 9.30am. Visitors welcome. Cost $7. Two members of the Photographic Society,

Seniors 11

WARWICK ARTIST GROUP

WARWICK Artists Group’s colour of choice on May 31 was pink, as the group rouged up for their Pink Afternoon Tea and raised $120 for the fight against breast cancer as they gathered at their Willi St studio.

IN THE PINK: The artist’s group goes pink for cancer including Sandra Wilson, Jill Birtwistle, Rosemary Addis, Clare Cotton, Cr Rod Kelly, Kris Woodd, Dianna and Bianca Campbell, Laraine Stanley, Shirley Monaghan, Sue Ellwood, Barbara Schmoelzer, Leanne Olivotto, Lorraine Telfer and Robyn Monaghan. :

Margaret Kebble and Dianne Turner will be present to tell us why and how they came to have their beautifully photographed book Images of Toowoomba printed. Books will be available for purchase on the day. Bus trip on June 28 is a hangar tour of Life Flight and after lunch our bus will take us for an overview of the Second Range Crossing.

TOOWOOMBA QUILTERS CLUB

MICHELE Hill is coming to Toowoomba. Well known Adelaide-based quilter, fabric designer and author, Michele Hill, is coming to Toowoomba Quilters Club on Tuesday, June 13. Michele specialises in William Morris and Beatrix Potter appliqué. Michele will be showing her magnificent quilts along with a

The Art @st.marks show saw plenty of happy artists and customers (above and right).

powerpoint presentation at 10am at the Toowoomba Community Baptist Centre, 100 Glenvale Rd. Entry is $5 with complimentary morning tea served from 9.30am. All interested quilters and William Morris style, hand and machine appliqué enthusiasts are welcome to attend. To register numbers for catering call Pat 0412 270 795.

ART@ST.MARKS

THE sixth annual art@st.marks turns Warwick's heritage St

Mark's Church Parish Hall into a pop-up art gallery.

Located at Grafton & Albion Sts, it will be held July 21–23 during the first weekend of Jumpers & Jazz. Artwork in all mediums will be on view and available for purchase. Included is original hangable and table sized free-standing pieces and handicrafts.

Full details for artists on how to enter, what visitors can experience during the weekend can be found by visiting warwickanglican. org.au, by emailing sue.nalder@gmail.com or calling 0427 962 281.

LAIDLEY SPRING FESTIVAL

THE festival is being held September 7, 8 and 9. A popular three-day event to celebrate the arrival of Spring. Details go to www. luvyalockyer. com.au.

HIGHFIELDS PROBUS CLUB

IS AN association of retired and semi-retired professional and business people from the area and meets on the first Thursday of the month at St. Anne’s Hall. Details call Rob Neary on 4615 5033.

12 Seniors Toowoomba & Darling Downs

seniorsnews.com.au Monday, June 12, 2017

What’s on Have fun at the events in your region KINGS OF VEGAS

FORMER The Voice winner Harrison Craig pays homage to the most important music in his life, from Nat King Cole to Sinatra's Rat Pack, Elvis Presley to Tom Jones, as well as the new Kings of Vegas, Elton John, Billy Joel and Michael Bublé in a two-hour showcase at the Empire Theatre on Friday, June 16 from 8pm.

Adult tickets $59.90. Go to www.empiretheatre. com.au.

LIVE WELL

THE free Living Well in Rural Communities series is stopping at Clifton and Warwick (both June 15), Crows News (June 16) , Cecil Plains (June 22) and Pittsworth (June 23). It features Rob Nielsen from Lifeline on building resilience for everyday challenges.

Jen Shaw, who wrote Living on Little: Real Food

MORE COUNTRY

JOURNALIST ALISON HOUSTON on a Budget, will also share and demonstrate tips for healthy, affordable eating.

Go to www.condamine alliance.com.au.

PAYING HOMAGE: Harrison Craig the winner of the 2013 The Voice performs at the Empire Theatre, June 16.

SACRED MUSIC

ROCKIN’ WARWICK

BE UPLIFTED as Toowoomba Choral Society, Ipswich Orpheus Chorale and its newly formed orchestra present a celebration of sacred choral music at St Luke’s Church Toowoomba from 2–5pm on Saturday, June 17.

The choirs and orchestra will perform singly and together, culminating in two movements of Brahms’ Requiem as a massed choir.

Tickets $25 adults at the door or available online at www.ipswich orpheus chorale.org.au.

DANCE one day and workshop the next on the weekend of June 17–18 when the Sunshine Rockers head to Warwick Senior Citizens’ Club.

Dance night is 6–10pm Saturday ($10–12) with partner dance/line dance training 10am–2.30pm on Sunday. Further details and bookings call 0414 999 759.

FIERY FOOD FEST

QUEENSLAND’S first Fiery Food Festival at the Woolshed at Jondaryan on June 17–18, boasts 16 of Australia’s best fiery food producers, cook-offs and competitions as well as a bonfire and jam session

on Saturday night.

Go to www.jondaryan woolshed.com.au to find out more.

HARVEY AND COLE

WHY just hear country music stars Adam Harvey and Beccy Cole, when you can meet them?

A VIP ticket to their Great Country Song Book II concert at the Empire Theatre on Saturday, June 17 includes front-rows seating, private ‘meet and greet’ before the show, an exclusive event lanyard and signed tour poster, and the chance for a photo. VIP tickets $79, adult concert tickets $49.

Go to www.empire theatre.com.au.

STILL need more country music? Cambooya Bowls Club has an afternoon of country entertainment on June 18 from 1–5pm.

It features Johnny Greenwood, Kiwi singer Peter Scott and Toowoomba’s Adrian Cann. Entry is $20 with lucky door prizes, raffles and afternoon tea.

Call Lyn on 4635 7467 or Sarah 0421 702 583.

USQ TURNS 50

USQ will celebrate 50 years of education and 25 years as a university with an anniversary dinner on Friday, July 7.

With a three-course dinner, drink on arrival and a huge array of entertainment including long-time favourites, the uniquely musically and comically talented Tripod, the Venetian Girls, Bethan Ellsmore and dancing to Midnight Groove, the night is not to be missed.

All profits raised go to the USQ Student Endowment Fund. Tickets are $90. Call 07 4631 1111.

ART@ST MARK’S

IF YOU are artistically inclined, Art@St Mark’s could be the place to try your hand.

It costs nothing to enter up to four pieces to exhibit and sell, but is a great chance for emerging and experienced artists to display hung and free-standing work from July 21–23 as part of Jumpers and Jazz festival.

Entry forms have to be in

by July 7.

Call Sue on 0427 962 281 or email sue.nalder@gmail.com.

CHRISTMAS IN JULY

WINTER is here, and what better time to really enjoy all the traditional Christmas treats?

Starting from June 24, the Abbey of the Roses is offering Christmas celebrations each Saturday throughout July from 6pm, including three-course dinner and drinks, as well as a Christmas trivia quiz and Secret Santa in July.

There’s even the hint of snow. Call 4661 9777.

Clifford Park heats up for winter racing CLIFFORD Park has a little something extra to warm the hearts of local racegoers this winter, offering free admission throughout June, July and August.

And that’s not all.

Residents can also help keep the chill out with a free hot soup or hot chocolate on race nights.

The announcement that Toowoomba Turf Club would waive the usual $6 admission fee was made

by chief executive officer Blair Odgers, who added that the outdoor fireplaces would be lit each Saturday afternoon to keep patrons warm.

Other winter racing events include showing

A GREAT SENIOR’S SPECIAL

Holiday in the Hinterland at Clouds of Montville

State of Origin Game Two on the Clifford Park big-screen on June 21, the annual Family Fun Day and day racing on Sunday, July 2 and the members’ Christmas In July on Saturday, July 22.

Winter Racing begins Saturday, June 3 and ends Saturday, August 26.

Location Hursley Road, Toowoomba, for futher information call 07 4634 6066 or go to www.clifford park.com.au.

Clifford Park Winter Racing from June 3 to August 26.

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Toowoomba & Darling Downs

Monday, June 12, 2017 seniorsnews.com.au

Seniors 13

Travel

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

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

Great downhill runs and good for cross-country

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

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

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

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

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

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14 Seniors Toowoomba & Darling Downs

travel

seniorsnews.com.au Monday, June 12, 2017

A dip into the dolphin’s

By SHIRLEY SINCLAIR

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

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

The pair stayed away for the next three nights but on the fourth night the youngster returned on his own.

He had been orphaned – he was alone at eight months of age.

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

Blind Freddie could see Echo needed guidance.

So the group’s older, calmer ‘grandfather’, which was thought to be partially blind, took the youngster under his flipper.

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

Wise Fred taught Echo how to hunt and catch his own food, which he was

seen to do for the first time at age two.

Staff slowly reduced Echo’s fish intake back to normal levels and he eventually became one of the fastest and best fish catchers of the group.

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

Brian, who began watching the Tangalooma dolphins as a regular holidaymaker in the late 1970s with wife Betty and their family, tells how staff broke dolphin care protocols to feed Echo until he was satisfied, in order to ensure his survival.

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

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

SHEER JOY: Wild dolphin feeding at dusk at Tangalooma, just a short ferry ride from Brisbane.

are recognised as among the best in the world.

Various members of the Moreton Bay pod return after sunset daily to the island jetty, showing off their dolphin antics and allowing visitors to hand-feed them.

Beauty’s calves Bobo, Tinkerbell and Shadow, Tinkerbell’s children Tangles, Storm and Phoenix and Shadow’s children Silhouette and Zephyr have joined the unique interaction in the past 25 years.

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

The dorsal fins are

already clearly visible, dashing around the shallows. Trying to count them is difficult because, of course, they won’t stay still.

Eleven dolphins have decided to join us tonight.

The moment has arrived.

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

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

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travel

Monday, June 12, 2017 seniorsnews.com.au

Toowoomba & Darling Downs

sea world HUMANS and dolphins have been interacting on Moreton Island for much longer than the 20th century. The Ngugi people – the traditional indigenous inhabitants Orderly lines form behind each bucket spread out across the sandy beach. Only 10–15% of the dolphins’ daily intake is offered in the feeding sessions, using a type of high-fat herring.

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

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

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

of Moreton Island – would use their clubs to make a loud noise in the water to attract the baitfish and dolphins.

The dolphins would push the baitfish

Seniors 15

towards the shallows, as if herding them towards the men.

The Aborigines would then thank the dolphins by feeding them some of the fish.

Marine Education and Conservation Centre.

Echo’s dorsal fin makes him easily distinguishable among the pod because of the “battle scars” from a documented encounter with a shark in 1996.

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

They tell us they have waited 12 months since booking to be standing here, across the other side of the world, taking in this once-in-a-lifetime opportunity. Staff members move down to the buckets, take out a fish and show us how it’s done. Having ensured we are wearing no sunscreen, insect repellent or moisturiser, we move to white buckets to wash our hands and lower arms in anti-bacterial wash. Each visitor is then brought down the beach one by one to feed a fish to their

particular dolphin – with resort photographers on standby to capture the moment.

As we wade into the knee-deep waters that are as clear as a swimming pool, the backlighting from the jetty makes Echo’s skin shine. Our guide, Paul, shows us how to hold the fish: by the tail, so the slightly spiky scales won’t get caught in the dolphin’s throat. We are shown how to bend down with the fish in the water in front of the dolphin. Echo slowly moves closer and ever-so-gently opens up, showing tiny teeth in his long U-shaped mouth, gladly accepting my offering. And in that moment, my “Little Sir Echo” speaks volumes for inter-species communication. No other thank you is necessary.

The writer was a guest of Tangalooma Island Resort

MAJESTIC: A glass-bottom boat tour at night.

TANGALOOMA Tangalooma Island Resort is on Moreton Island, a 75-minute ferry ride from Brisbane. Or take advantage of the new Premium Dolphin Feeding Day Cruise.

Start your day with a cruise across the Moreton Bay marine park, explore the island on your choice of either a desert safari or marine discovery tour, enjoy your choice of eco ranger experiences and finish off by handfeeding wild dolphins. www.tangalooma.com

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16 Seniors Toowoomba & Darling Downs

seniorsnews.com.au Monday, June 12, 2017

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Wellbeing

Toowoomba & Darling Downs

A fair dinkum ‘bloody legend’ Alison Houston

HE’S not the type to shout about his accomplishments, but the Red Cross reckons Toowoomba’s Malcolm Charlesworth is a “bloody legend”.

Malcolm, 71, has notched up more than 500 blood donations over the past 50 years.

He is one of 107 milestone donors invited to be honoured at the Toowoomba Red Cross branch on Tuesday, June 13, and has been outdone by just one person locally with 550 donations.

It’s a rare, and much appreciated accomplishment, according to community relations officer Sandee Thompson.

But she said National Blood Donor Week, from June 11–17, was also a chance to thank everyone who had donated over the past year, and to inspire them and others to give.

A semi-retired bus driver, who can still find himself driving up to five days a week at times, when he’s not doing Meals on Wheels … or a crossword …

Malcolm said he donated blood simply to help others.

“It’s good to know you’re doing some good somewhere; doing something to help someone else, even if you’ll never see them. It’s a community thing really,” he said.

Still, reaching the 500 milestone isn’t bad for the man who admits he was scared of needles at the time he was first talked into donating.

“It’s an entirely different thing now – they don’t worry me at all,” he laughed.

To roll up your sleeves and give blood, call 131 495.

Incontinence a very serious issue for many BREAKING DOWN THE STATISTICS

■ About 4.8 million Australians – more than a quarter of Australians aged 15 years or over – are incontinent.

■ By 2030, the prevalence is estimated to increase to 6.5 million Australians.

■ More than half of the women living in the community with incontinence are less than 50 years of age (1.7 million).

■ People with incontinence are more likely to be affected by depression or anxiety.

■ Incontinence is more prevalent than asthma (more than 2 million), anxiety disorders (2.3 million) and arthritis (3.1 million).

■ In 2010, the cost of incontinence, including the burden of disease, was estimated to be $42.9 billion ■ In 2010, the total productivity loss due to incontinence was $34.1 billion.

National Continence Helpline (1800 330 066) for advice or information.

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FEELING GOOD: Malcolm Charlesworth enjoys coffee and a snack after giving blood more than 500 times.

Seniors 17

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THE numbers are in and the answer is clear: regular exercise following a cancer diagnosis is an effective medicine in counteracting the effects caused by cancer treatment and in reducing the risk of a cancer returning.

The benefits of exercise have been known for a while and actively promoted by the Cancer Council of Australia, but now we have some

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surprising numbers to back the push to encourage cancer patients to keep active throughout their treatment.

Between 28% and 44% of cancer sufferers can benefit from including exercise in their treatment regime.

Australian Catholic University’s Institute for Health and Ageing’s Associate Professor Prue Cormie says these research numbers – collected as a result of testing about 70,000 patients across more than 100 research studies worldwide – have to change the thinking about the way cancer care is being delivered.

“It demonstrates exercising is an important component of cancer care. It’s an effective medicine that can be used alongside existing treatments that help fight cancer,” Prof Cormie said.

When we consider that every four minutes an Australian is diagnosed with cancer and 71% of those aged 60 and over, Prof Cormie’s exercise message is important to seniors.

She isn’t suggesting you head to the gym, at

GET ACTIVE: Exercise should be considered an adjunct to a patient's cancer treatment regime.

PHOTO: JACOBLUND

least not before consulting with an exercise physiologist who can develop an individualised program.

The best exercise is 150 minutes of moderateintensity aerobic exercise every week, which equates to a 30-minute brisk, heart-rate raising walk five days a week.

Two to three resistance exercise sessions per week should also be included.

A key point Prof Cormie makes is for patients to ensure they work with a physiologist qualified in using exercise for people diagnosed with a chronic

disease.

“They can make sure the exercise is safe and that it can maximise the potential benefits for the patient at the stage they are at during their cancer treatment,” she said.

“The key is people are getting the right advice.”

Prof Cormie also suggests exercise should be standard component of a whole cancer treatment program, specialists should recommend patients adhere to the exercise program and refer the patient onto a professional who can help the patient achieve the program.

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seniorsnews.com.au Monday, June 12, 2017

Living Hidden traps of community aged care Envigor Home Care executive manager

service provision, service providers are required to display a high level of transparency and accountability to consumers for the funds they spend on behalf of the consumer for the provision of home- and community-based care services.

What used to be block funding provided directly to organisations is now notionally allocated to the consumer for use as the consumer sees fit and to meet that person’s care needs.

To almost add insult to injury for those providers who would prefer that

Consumers should understand that this “exit fee” is only payable from the balance of the package held in trust for the consumer by the provider to cover what are called “contingencies” in regard to that person’s care needs.

If the exit fee set by the organisation is higher than the amount of funding held in the package for contingencies, then the provider is entitled to receive these funds from the contingency fund. If insufficient funding is available in the package for payment of exit fees, then the provider is only entitled to take that part of the balance that will cover the fees.

Finally, there are the reports of bullying tactics being used by providers in an effort to stop people taking their package

elsewhere. My advice to these providers is to stop these behaviours now.

I heard this week of a person who was told by their carer that if they took their home care package to another provider, their care staff would lose their jobs. This is not acceptable behaviour by a sector that purports to have the needs of older people front and centre in its thinking.

Similarly, stories abound of providers who agree to a person receiving services from them but the person concerned then has to wait some months to receive a service. This is not okay at any level.

Consumers deserve the right to make decisions about their care to the capacity they are able – interference by others is likely to confuse the issue further.

My advice to consumers is to do your homework and shop around, and ask the new provider to provide you with a quote for their services.

If consumers are not happy with their current provider, then moving their Home Care Package to another provider is quite easy.

If the person wants to move their package, the new provider should just complete some paperwork and, as a provider, the process of registering someone on the system is quite easy.

If the provider does not address the concerns of the consumer, it is likely they are not as serious about consumer-directed care as they pretend to be and the consumer should look for another provider.

Tracey Silvester, Envigor Home Care Executive Manager.

How to talk to a loved one about hearing loss With Gavin Pingel

APPROACHING the subject of hearing loss with a loved one isn't always easy. You can see the signs but because hearing loss is often a gradual process, those experiencing it may not realise there is anything unusual or that they could benefit from specialist help. In fact, it can come as a shock to them so it is best to approach the subject in small steps. Having a friendly chat about what you've noticed is a good

start. For example, mention certain situations where you feel your loved one is having trouble hearing and ask them how they manage.

It could be talking on the telephone, watching TV or being in large groups with background noise.

Once they understand in practical terms that hearing loss is impacting everyday life, it can often motivate them to seek assistance.

Unfortunately people still see hearing loss as a sign of ageing or they aren't keen on the idea

of hearing aids however there are other devices to support hearing loss long before a hearing aid is needed.

It may take a while to convince your loved one to seek advice, but don’t give up. With a gentle and sensitive approach you will be on your way to helping them access the right support to retain or improve their quality of life. To book a free hearing check or discuss hearing technology, call Australian Hearing Toowoomba on 4694 1000.

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nothing changed, the consumer is no longer tied to a provider and beholden to that provider for their care services.

In a move that has rocked the sector in terms of individual providers coming to terms with the implications of the changes, Home Care Packages now belong to the individual consumer and can be moved as the consumer moves.

Unspent client contributions must now be returned to that person (or their estate) when they exit a package.

Historically, providers were entitled to keep these funds to expend as they saw fit, and not always on care either.

There has been commentary about the charging of exit fees by providers should a consumer wish to transfer to another provider.

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FEBRUARY 27, 2017, saw the most significant change to hit the community aged care sector since the Home and Community Care Act was introduced in 1986.

Back in 1986, the majority of community aged care was offered by service providers auspiced frequently by church-based, not-forprofit organisations, many of which had been providing such services to their communities for a long time using funds obtained from charitable donations.

The changes of February 27 have been a long time coming, with many of the policies associated with these reforms first mooted 10 years ago.

So why the fuss?

In a nutshell, for the first time in the history of community aged care

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seniorsnews.com.au Monday, June 12, 2017

FINANCIAL LITERACY FEATURE

Do you have to lodge a tax return?

I HAVE been retired now for nearly 20 years and widowed. I receive the Age Pension and dividends from a small share portfolio. Do I have to lodge a tax return?

I don’t generate sufficient income to pay tax. I have previously lodged tax returns via an accountant to get a refund on the franking credits on my share portfolio.

Is there a simpler way?

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

WEALTH SOLUTIONS: Andrew Heaven.

PHOTO: CONTRIBUTED

they meet these criteria and do not have the following circumstances.

You would be obliged to continue to submit annual tax returns if any of the following circumstances apply: ■ You receive income as a Pay-As-You-Go employee where tax was withheld.

■ You received reportable fringe benefits in the financial year.

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

■ You received a distribution from a trust.

■ You received income from foreign employment, investments or pensions.

■ You have not claimed your private health insurance rebate and wish to do so.

■ You wish to claim tax deductions for donations

or eligible expenses.

■ You have made a capital gain in the current year or a loss in this year or earlier years that you wish to claim.

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

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

■ Or if you have received an Australian superannuation lump sum where there was an untaxed component or you

received a lump sum death benefit paid to you as a non-dependent.

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

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

This is where the tax the company pays is imputed to the shareholders. The tax paid by the company is allocated to shareholders as franking credits attached to the dividends they receive – typically the tax credit is 30%.

If you are not required

to lodge a tax return, you can claim a refund of the franking credits by lodging an “application for a refund of franking credits for individuals” with the ATO. You can lodge the form online, complete a paper form and submit the records over the phone or via post direct to the ATO. Application forms will be available after June 30.

Processing of the refund typically takes two weeks for online or phone claims. Paper applications take up to 50 days to process. For information, go to www.ato.gov.au or phone 132 865.

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

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

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

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

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

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

The basic face-to-face

financial program has been adapted to suit online with the Money Minded website helping users to create a budget, work on reducing debt or start saving, and develop good financial skills along the way.

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

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

The face-to-face program and online activities are available to anyone, not just to ANZ customers. There are eight activities to be worked through. Each takes between 8-15 minutes. Users can save their progress if they want to stop at any time

or come back and change some of the information they have used.

The activities are: ■ 1. Know yourself – discover your attitude to money ■ 2. Spend wisely – identify needs, wants and spending leaks ■ 3. Clarify your goal – set smart goals ■ 4. Plan your spending – get started with budgeting ■ 5. Bank smart – get the right bank account ■ 6. Avoid dangerous debt – understand credit files and types of credit providers ■ 7. Watch out for credit cards – manage your credit card ■ 8. Plan for your future – get the most from your superannuation A user can choose any one or all of the activities

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

they want to do and then complete them at their own pace. If a person doesn’t own a computer they can access the Money Minded website through one at their local library or retirement village recreation room, or attend a Money Minded workshop, or

even organise one for themselves and their friends at no cost by sending an email request to moneyminded@anz.com.

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

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

Details go to www.moneyminded. com.au.

The reality of a divorce THIS month we look at part three of our series which provides information to individuals who are facing a separation, divorce and property settlement.

In this instalment we shed some light on the myth that the outcome of property settlement is influenced by who made the decision to end the relationship.

MYTH NUMBER 3: MY PARTNER HAD AN AFFAIR SO THEY

EVERYDAY MATTERS CAROLYN DEVRIES CEO of New Way Lawyers

SHOULD GET LESS OF THE PROPERTY

There are times where separation or divorce occurs because of infidelity. In such situations, the aggrieved partner or spouse often believes that the property

settlement is a means for holding their partner to account or punishing them for their behaviour. Unlike the family law systems in some countries, Australia has a no-fault family law system. This means that moral considerations such as who decided to end the relationship or infidelity are not relevant and will not impact the division of assets and liabilities.

The no-fault family law system means that your property settlement will not resemble a controversial episode of

the Jerry Springer Show with both parties airing their dirty laundry, instead focus is placed on the contributions that the parties have made to both the assets and liabilities and to the relationship and also considering the future needs of the parties. Although it can be difficult for an aggrieved spouse to learn that the property settlement process operates on a no-fault basis, accepting this reality will minimise the time, expense and stress of the process.

In general, the most lengthy, expensive and stressful property settlements that we see are those where clients conduct their property settlement driven by emotion rather than reason and typically in these cases neither party to the relationship ever walks away satisfied.

PRACTICAL POINTER:

Although the reasons for the breakdown of your relationship may not be

relevant to the legal processes associated with separation, divorce or property settlement this does not mean that you should suppress or ignore the emotions that you are feeling. Consider seeking support from a health professional such as a counsellor or psychologist who can provide guidance on managing and processing emotions and stress arising from your situation. There is no shame in seeking extra help; everyone needs help from time to time.

Toowoomba & Darling Downs

Monday, June 12, 2017 seniorsnews.com.au

Seniors 23

FINANCIAL LITERACY FEATURE

Here are real deals for genuine debt reduction Tracey Johnstone

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

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

About 30% of its flagship program, No Interest Loan Scheme, clients are seniors. Last year GSM helped 6900 senior clients deal with financial stress.

A car breaking down, an unexpected household or medical bill, can all push a person or family into financial stress. Good Shepherd Microfinance’s acting chief executive officer Renee Hancock said that in Australia now there are a staggering two million people who are experiencing severe financial stress and another 10 million who are experiencing low-level financial stress. Of those, she said about three million are experiencing financial exclusion.

“Many of those people are excluded from accessing mainstream financial services which means they can’t access a credit card, or a personal loan, they might find it difficult to access insurance products which is right for their needs. We call that financial

GOOD SHEPHERDS: Robert got back on track thanks to the help of Good Shepherd Microfinance.

exclusion,” Ms Hancock said.

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

NO INTEREST LOAN SCHEME NILS is a credit option.

It’s a loan up to $1200 which can be used to purchase essential household items or services, such as whitegoods, medical expenses, laptops and education. The loan is not cash, instead it goes directly to the supplier.

■ Repayments work out to between $15 to $40 per fortnight over 12 to 18 months. Details go to www.nils.com.au.

STEPUP LOAN

SERVICES ■ This is a low-interest loan of up to $3000 that can be used for essential household goods and services.The rate is 5.99%. There are no other charges with the loan.

GOOD INSURANCE ■ Essentials by AAI is offered as GSM founds clients often struggled to qualify for car insurance.

■ GSM has designed with Suncorp products that are suitable for people on low incomes and whose biggest barrier to purchasing insurance is often its cost.

■ The insurance is available for car and home contents cover. The premium can be paid fortnightly.

GOOD MONEY

■ The Good Money stores offer many of the GSM products and services.

■ The stores are located in Victoria, South Australia and Queensland.

“We found that 70% of our clients were women.

We realised there was a market gap as we weren’t reaching people who were not already seeing the Salvation Army or other community organisations,” Ms Hancock said.

“These people felt that there were no affordable finance options available and were using payday lenders or rent-to-buy companies.

“Good Money was established about five years ago which was when

PHOTO: RODNEY DEKKER

those companies had shopfronts in the main streets of local communities. We set up something very similar to target people who weren’t using community services. What we found is that we now have a more even split between male and females accessing our products through the Good Money stores.”

The stores are funded by state governments and supported by National Australia Bank which has committed $130 million to GSM loan capital.

“We do about $25 million in loans per year,” Ms Hancock said.

GSM has partnered with 180 local community organisations which offer

the GSM products and services through 660 locations across Australia.Other services on offer from Good Shepherd are – ADDSUP SAVINGS PLAN ■ This plan encourages NILS and StepUP clients to develop positive, long-lasting savings habits. It encourages people to maintain their budgeting and savings measures after they’ve paid off their NILS or StepUP loans by matching their savings of $500, dollar for dollar.

■ When someone saves $500, NAB will match their savings dollar for dollar, so they have $1000. The money AddsUP clients save and the $500 from NAB can be spent any way they wish, enabling clients to define their own financial wellbeing.

GOOD2GONOW ■ Good Shepherd Microfinance uses it buying power to give clients access to the best prices on energy efficient whitegoods, computers and other household appliances.Run in partnership with The Good Guys, Good2GoNow allows NILS and StepUP clients to save money and reduce their energy bills and carbon footprint.

Clients receive free delivery on a selected range of products across Australia, including in regional and remote communities. Details go to www.goodshepherd microfinance.org.au.

Get excited for July!

Be sure to check back in with Seniors in July as we look at the latest in housing trends, investigate reverse mortgages, and set out to chase the sun with holiday destinations designed to help our readers to beat the winter blues.

On the health front, we talk flu shots and herbal winter remedies, while at home in our living section we’ll find out how to keep our homes healthy and tidy to keep those

Pick up your free copy of the July edition at your local stockist or read online at seniorsnews.com.au LiViNG + MONEY + WELLBEiNG + TraVEL

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winter germs at bay.

24 Seniors Toowoomba & Darling Downs

seniorsnews.com.au Monday, June 12, 2017

Reviews High heels and pearls make for a funny tale of mad murder

BOOKS: Before We Were Yours by Lisa Wingate.

PHOTO: HARLEQUIN

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

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

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

A loving daughter to her father, a US senator, with her own ambitious career

as a lawyer and a handsome fiance waiting for her in Baltimore, she has lived a charmed life.

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

Avery’s decision to learn more about May’s life will take her on a journey through her family’s long-hidden history, illuminating the heart of Avery’s story.

About the author Selected among

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

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

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

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

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

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

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

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

Published by Allen & Unwin.

RRP $32.99.

BRIDESHEAD, bon-bons, cucumber sandwiches – and now a murder.

In the decadent world of Oxford University, c.1985, Pimms, punting and ball gowns are de rigueur.

Ursula Flowerbutton, a studious country girl, arrives for her first term, anticipating nothing more sinister than days spent poring over history books – and, perhaps, an invitation to a ball.

But when she discovers a body, Ursula is catapulted into a murder investigation.

Clueless meets Agatha Christie in this wickedly funny tale of high society, low morals and a middle class girl.

Published by Bloomsbury Publishing, available this month in ebook, hardback and paperback. RRP $27.99.

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

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

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

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

Published by Simon and Schuster, RRP $29.99.

Toowoomba & Darling Downs

Live and let’s save

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

1. Buy energy efficient devices and appliances.

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

2. Avoid the clothes

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

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

This is wasting power and your money.

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

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

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

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

clothes efficiently without the hot water costs.

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

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

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

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

Seniors 25

Who do you call...

Seniors Card 137 468 or 1800 175 500 (free call outside Brisbane) Centrelink: Retirement 132 300 Disability, Sickness & Carers 132 717 Employment Services 132 850 Seniors Enquiry Line 1300 135 500 Department of Veteran Affairs 133 254 or 1800 555 254 (Regional) National Information Centre on Retirement Investments (NICRI) 1800 020 110

National Aged Care Information

1800 200 422

www.agedcareaustralia.gov.au

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Monday, June 12, 2017 seniorsnews.com.au

Make it low & slow SLOW COOK KOREAN SHORT RIBS

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

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

Korean Beef Ribs

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

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

can save time and hassle.

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

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

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

Ingredients 4 large beef short ribs 2 tbsp sesame oil 1 tbsp dried chilli flakes 3 cloves garlic, finely chopped 1 medium onion, sliced ½ pear, finely grated ¼ cup brown sugar ¼ cup light soy sauce 1 tbsp sesame seeds, 2 sliced red chillies, 2 green onions, finely sliced to garnish Serve with steamed rice Method Place beef short ribs into the crock and pour over all ingredients, turning to coat the ribs in the mixture. Cook on LOW for 8-10 hours.

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

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CHEAP EATS, NO TRUFFLES CHRISTINE PERKINS

26 Seniors Toowoomba & Darling Downs

seniorsnews.com.au Monday, June 12, 2017

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

Trades & Services

Caravans & Motor Homes

Home Maintenance

CARAVANS WANTED

Alex the hAndymAn

QBCC License 1033069 Q

HOME MAINTENANCE/ CABINET MAKER

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

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Be wary if the number in the ad is disconnected.

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

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

Cleaning

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Mobile: 0417 709 846

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Ph: Craig: 0401 502 679

Seniors Special

The experts in Solar

www.saegroup.com.au Electrical License # QLD: 72258 | NSW: 227562C

finda Fish Tank.

Plenty of pet accessories in print and online.

Visit www.finda.com.au

Have You Got More Cots than the Jolie Pitts?

When your babies become toddlers, it’s tempting to pop your old cots out for hard rubbish collection – but why not turn them into cash instead?

It’s easy to sell your pre-loved baby gear on finda, where your ad will reach thousands of local buyers and even more via the finda website.

To place your FREE* ad visit www.finda.com.au *Excludes business advertisers. Conditions apply.

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LANDSCAPE and PAVING

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

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Cars

More information is available at scamwatch.gov.au

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Call Kath’s Cleaning 0427 307271

Plumbing Services

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Motoring

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puzzles

Monday, June 12, 2017 seniorsnews.com.au

JIGGERED

5/6

The challenge is to rearrange a crossword which has been broken into 25 sections. One letter has been given to get you started. Work out which 3x3 square fits in with that letter and write in the letters.

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

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

P N R A O A R

T

L E A R D O

I E N T

I S A L

I

J E C

I

T

C O N

N C E R M I

R A T

R A S H U P R

G D U N I M T

E

C A T O

I

C N O E D

M I I S T T A

E M S C I S

T E E N R

D E D O I V I S

S

S S H C K

A T E L A R

B O O P S T A

E G L L O R

R C A C

I G E R I G A

E V E R T

T E D E I R G

B A B L R

V R E A S U

Toowoomba & Darling Downs

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

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

1

2

3

4

5

6

15

16

8

7 9 10

11

12

13 14 17

19

18

20

21

22

TRIO

Seniors 27

23

24

25

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

SUDOKU

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

N C O N C E D E

ACTED, BOUNCE, CABINET, DRUMBEAT, EAGERNESS.

ALPHAGRAMS

D E E P

N E T S

D I S T R E S S

I SW N E A D A R I F F G O A D MO U R E O L E G T S R A S H E R EW E R R N P I P L A L A Y Y EW

I R O N

G I C L N A U S I N E A T S C I O S A N T T U H N E S A Y I MM E P A R H U G S L O

E G G

QUIZ

H O A I S L

R O O T A L T O

N E A R

8 lEttERS ARMOURED AROUSING DISTRESS HORNPIPE INITIATE MOTHERLY RASHNESS SEAFARER

1. In what year did the Australian rugby union side first adopt the name Wallabies?

2. After his death at the Battle of Trafalgar, how was Nelson’s body preserved during the voyage back to England?

3. Which voice is higher – tenor or baritone?

4. Kuala Lumpur is the capital of which country?

5. Bob Dylan, George Harrison, Jeff Lynne, Roy Orbison and Tom Petty released an album in 1988 as who?

6. If you suffer from musophobia, what are you afraid of – musicians, mice, or muesli?

7. In the Dickens story, who was Ebenezer Scrooge’s partner?

8. Verdi was commissioned to compose his opera Aïda for the opening of what – the Suez Canal, London’s Tower Bridge, or Britain’s new Houses of Parliament?

I D E A

6 lEttERS INDIGO NYMPHS RIMMED TARIFF

QUIZ

M E L T

5 lEttERS DEGAS

GLUES LEGIT OTHER REPAY SCION

WORDFIT

4 lEttERS ALAS ALTO DEEP EARL EDEN ERGO EWER FOUL GOAD HUGE

IDEA IRON LEAD MAUL MELT MINI NEAR NEAT NETS ONUS PARE RILE ROOT SACS SANE SEWN SLOP STAY SWIG THAI TOTS YEWS

1 1908, 2 In a barrel of brandy, 3 Tenor, 4 Malaysia, 5 The Travelling Wilburys, 6 Mice, 7 Jacob Marley, 8 Suez Canal.

Solution opposite

3 lEttERS AIL CAN EGG HAS ICE LOO NAG OIL PAW SLY TUT WAR

WORD GO ROUND

L

Fit the words into the grid to create a finished crossword

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

Good 21 Very Good 29 Excellent 36+

woRDFIt

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

L N

CADET NO CUBE NICE BAT MAD BRUTE GREEN SEAS

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

446

H A

SUDOKU

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

TODAY

T

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

F G

L I

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

There is at least one nine-letter word.

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

TRIO: MIC

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

woRD Go RoUND

QUICK CROSSWORD

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

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

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

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

Image 20. Croak 21. Agree.

alpHaGRaMS

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

M

28 Seniors Toowoomba & Darling Downs

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Living Gems Toowoomba is conveniently located near shopping centres and medical facilities. Join an active lifestyle community based on fun and friendship.

seniorsnews.com.au Monday, June 12, 2017

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