Toowoomba, August 2018

August, 2018

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SENIORS WEEK AUG 18-26 EVERYTHING YOU WANT TO KNOW PAGE 17

Col Harry Smith Meet Lt

The Vietnam war hero who found his peace in blue water sailing INSIDE FEATURE STORY

FIVE FAB FISHING ADVENTURES PAGE 33

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WELCOME

AUGUST, 2018// SENIORS

Changes for the better Gail Forrer Seniors Group Editor

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Senior Week celebrations INDEX 3 6 8 12 13 14 17 33 41 43 46 47

Lt Col Harry Smith Richard Chiverrell Ms World Robyn Canner Talk n Thoughts Community Group Guide Wellbeing Qld Seniors Week Feature Wanderlust Living Money Classifieds Puzzles

THIS month the spotlight is on Queensland Seniors Week celebrations. The week of events sponsored by the State Government is designed to highlight the vast range of opportunities available to enhance our lifestyle. There are so many people doing so many things – in this edition we have endeavoured to put together an easy-to-access, comprehensive list for your information.

This month also commemorates, through the memories of Lieutenant Colonel Harry Smith, the anniversary of the Long Tan battle. To honour the people involved means to acknowledge the terrible situations that have provoked and enabled warfare.

Although continued warfare has proved the message underpinning American philosopher George Santayana’s words, “Those who cannot remember the past are condemned to repeat it,” untrue, I believe the intent – that understanding can lead to alternative actions – still holds some truth. Lt Col Harry Smith’s decision to err from past decisions that left the heroic deeds of good soldiers unrecognised has meant

appropriate validation for these men. I trust this story honours all those who served their country both now and then.

On another note, here’s to Australia’s 60-year-old Ms World, Robyn Canner. Not so long ago this sort of award, generally considered a beauty pageant, seemed more about beauty of the body than spirit.

Robyn’s award is a clear indication of a changing world. It points to a holistic judging criteria that includes body, mind and spirit and that’s good news for any age group.

As always, thanks to everyone who sent in their regular community notes and the groups who have advised of Seniors Week events.

Sharing really is caring and if you are feeling a little lonely, please take a moment and join in an activity. You may find a new friend, exercise or a hobby just for you.

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 5435 3203 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 “Brisbane 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.

SENIORS \\AUGUST, 2018

COVER STORY

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Harry Smith: new memorial stark reminder of Long Tan AUGUST 18 is a date in Lieutenant Colonel Harry Smith’s life that he can’t turn his back on, but neither will he celebrate it.

“It was my company of 105 soldiers that got brassed-up by over 2000 North Vietnamese and regular army, and we defeated them with massive artillery support and the gallantry of my own soldiers,” Harry, now 85, said. “Sadly, I lost 17 who were killed and 24 wounded that day. It’s always been the sad part of my life.”

Harry remembers the 1966 battle was fought in monsoonal conditions which helped mask the location of the Australian soldiers.

“The enemy used to run telephone wires along the ground so that they could give orders as they didn’t have many radios,” he said.

“The artillery shrapnel cut their telephone lines so they

had to send orders by runners. Consequently, they weren’t as organised as they could have been. The rain, the artillery smoke and everything else limited their ability to locate us.

“But, when they did locate us, we were in a well-defended position. I had already lost about 13 or 14 soldiers by the time the major assault came in and then we lost another four. We were able to repel them.

“They took so many casualties and withdrew and went home. Basically, we can say, they were defeated.”

That story rolls off the former Company Commander’s lips with care and solemnity that defines why Harry sought peace for the last 35 years through spending every conceivable minute bluewater sailing.

‘‘

Certainly, on the 18th of August I remember the sadness associated with those we lost, who were killed in that battle in order that the rest of us might live.

CONTINUED ON PAGE 4

Updates from the Toowoomba Region

My Health Record

An online summary of your key health information

Council Meetings

Active Seniors

The next meetings of Council’s Standing Committees will be held on 14 and 15 August commencing at 9am. The next Ordinary Meeting of Council will be held on 21 August commencing at 10am. All meetings are at City Hall, 541 Ruthven Street, Toowoomba.

Milne Bay and Highfields Aquatic and Fitness centres have plenty of options to keep you active. Join us for Aqua Aerobics, Steady Steps, Qigong for Health, Pilates, Yoga, Tai-Chi, Zumba Gold, Senior Citizens group (HFR only) and aquatic walking lanes.

Concession rates available, contact MBAC 4688 6330 or HFR 4699 6530 for more information.

Disposal Of Coals Winter is here and there is nothing more comforting than a cosy fire. When disposing of ashes and coals at our waste facilities please be sure these materials have been dampened down and are fully cooled to avoid causing fires. Please declare ashes and coals to the gatehouse attendant and use the designated disposal areas. For more information visit www.tr.qld.gov.au/waste

Seniors Week Celebrations Get the toes tapping or yell out BINGO! At this year’s Seniors Week celebrations.

Bingo: • 20 August, Highfields Cultural Centre

A secure syste em

CHANGE Project

Concerts:

Personally con ntrolled

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

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

My Community Directory

• 21 August, Pittsworth Function Centre

It’s your choice who seees your My Health Record and what’s in it.

This year, you will get a My Health Record unless you tell us you don’t want one by 15 October 2018.

For more information go to:

MyHealthRecord.gov.au Help line 1800 723 471 Authorised by the Australian Government, Canberra.

ADHAOS0004

My Health Record has various safeguards in place to protect your information.

The My Community Directory lists organisations that provide services that are free or subsidised to the public in thousands of location across Australia.

These services are aligned into various Community Directories. Check it out at www.mycommunitydirectory.com.au

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

• 22 August, Millmerran Cultural Centre • 20 August, Westbrook Hall. There’ll be a free bus travelling from Clifton and Cambooya to Westbrook Hall • 22 August, Crows Nest Community Centre • 23 August, Oakey Cultural Centre • 24 August, Goombungee Hall Doors open 9.30am and all events include morning tea. Bookings essential, call 131 872 and quote ‘Seniors Week 2018’.

TRC_0818_SN

Tracey Johnstone

COVER STORY

FROM PAGE 3 When he returned from Vietnam, Harry joined the Commandos in Sydney and headed overseas to parachute jump with British, Canadian and American air forces. He returned to Australia to take over the parachute school at the Williamstown air force base as the first army commanding officer.

“We trained about 600 officers a year including girls,” Harry said. “I was responsible for bringing the girls in,” he added with pride in his voice.

His last jump forced him to retire from the army.

After a few years working in the corporate world for a liferaft manufacturer, Harry headed to the ocean. He has chalked up a personal log of close to 150,000 miles. In later years his third wife Felicia joined Harry to cruise and race.

Danger close Harry’s story of the Long Tan Battle is being retold in an Australian movie Danger Close.

Production is almost completed and it is due for release around Anzac Day next year.

The movie script is a bit of a sore subject for Harry.

It was supposed to be as true as possible to the battle story, subject to some dramatisation. He said the original script wasn’t accepted by a group of military experts, including himself. And though some amendments were apparently made to that script, he said he had not seen them.

However, he’s willing to keep an open mind on how the movie will turn out. “From what I have heard from my guys who have been to some of the movie sites, they reckon it will turn out really well,” Harry added.

Date remembered August 18 ultimately became the Vietnam Veterans Association of Australia endorsed

AUGUST, 2018// SENIORS national Vietnam Veterans Day. Every year since the war, Harry has attended a Long Tan Day commemorative function.

This year he will be at the Australian War Memorial for a significant moment in his life and of those who fought at Long Tan. The permanent home of the Long Tan Cross will be unveiled.

The cross was originally erected on the battlefield, but then removed by the North Vietnamese at the end of the war. “It was put in a museum near Bien Hoa,” Harry said.

In 2016, after the 50th anniversary, the cross was given to the Australian War Memorial, but not before it had been through a chequered past.

“It was knocked down by the enemy after the war and a farmer took it home and put it over the grave of his father,” Harry said.

“He took the brass plate which has a little sign on it, ‘in memory of the soldiers lost at Long Tan’, and used that as a plate to heat up his fish and chips.

“It was then taken off him by the local council and put in a shed. One of my former soldiers was over there and found it in the shed, and he did a deal whereby they were going to send it back to Australia in exchange for medical supplies. But that didn’t come to pass because the North Vietnamese, who had taken over Saigon, now Ho Chi Minh City, said no.

“They took it and put it in a museum up at Dong Nai, north of Saigon, which is where it stayed until we got it on loan back here at the War Memorial in 2012, for 12 months. Because of some noises made by the ambassadors, and by myself and others, the North Vietnamese decided it wasn’t much use to them sitting in a museum, so they gave it back to us.”

Proudly displayed in his home office is a simple photo frame containing

Major Harry Smith of Hobart is congratulated by Australia's Ambassador to South Vietnam, Mr Lewis Border, after being presented with the Military Cross for outstanding gallantry during the Battle of Long Tan.

Major Harry Smith of D Company, the 6th Battalion, The Royal Australian Regiment, in front of a blackboard briefing foreign press representatives on the battle of Long Tan. shrapnel relics found on the Long Tan battlefield and underneath a photo of the Long Tan Cross when it was still in North Vietnam. Beside it is another presentation he received representing his company’s theme song, These Boots Are Made For Walking and it’s badge, designed by one its members, with a red triangle which is the Greek symbol for Delta and in the middle, a pair of boots.

Harry displays little else of his Vietnam War years, using the remaining space in his study for photos of his many boats.

Battle weary Harry finished his last land battle in 2016.

“After the battle, a number of us were given

awards,” Harry said.

“The awards I recommended for my soldiers who were up eye-balling the enemy, and they were the ones most gallant and courageous, those recommendations were not approved in 1966.

“There was nothing I could do for 30 years because there is a secrecy period in the defence forces.”

In 1996 Harry was able to access the original awards recommendation documents and then he went back to “battle”.

“And I really did have a battle because people said, ‘you can’t go back in time with awards, you finish going back to the Boer War and so on. It’s just not possible. You just

HISTORY: Major (later Lt Col) Harry Smith, 6 Battalion, The Royal Australian Regiment wearing a Tokarev pistol in a holster. He recovered the pistol from the body of a North Vietnamese Army soldier the day after the battleof Long Tan. It is now in the Memorial's collection.

Photos: Australian War Memorial

have to accept what was done’. I said no, I can’t accept that. These young soldiers, most of them 20-year-old servicemen, fought outstandingly in the battle and it is normal to decorate people for outstanding gallantry and they should get their award.”

Finally, he was able to take his case to the Defence Honours and Awards Appeals Tribunal.

He was knocked down once, but stood up again, and won.

In 2016 the Governor General presented the awards to the soldiers of D Company in the presence of their greatest supporter.

“That was the biggest battle I had since Vietnam,” Harry said.

Harry now reserves all his energy for battles on the water.

When he reflects on his life, as his 11-year-old rescue dog Freddie sits faithfully by his side, Harry said: “There’s not too many people who have had 25 years in the army, fought in an iconic battle and survived, jumped out of aeroplanes at 25,000 feet, sailed and raced, and married a lovely woman”.

“Long Tan is on my mind almost every day,” Harry added.

“Certainly, on the 18th of August I remember the sadness associated with those we lost, who were killed in that battle in order that the rest of us might live.”

Congratulations to our Winners

Congratulations to the winners of our June Andre Rieu Giveaway.

Beth Hohl Beth Milne Connie Canale Doreen Hayes

Glenda Henry Graham King Jullie Teuben Leslie Trathen

Pamela Walsh Susan Downey

Stay tuned to the paper and our website for the latest Seniors News Giveaways Visit seniorsnews.com.au/competitions 6818804ab

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SENIORS \\AUGUST, 2018

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NEWS

AUGUST, 2018// SENIORS

Feel the adrenalin rush How singer overcame his nerves and found his voice

Alison Houston FOR the first six months, Richard Chiverrell thought about leaving Toowoomba Choral Society – that was almost 20 years and 22 productions ago.

“It was an introduction by fire because I’d never done any singing except at school,” said Richard, now 73 and in practice for September’s presentation of Hello, Dolly!

“I thought ‘I’m not a developed singer and there are so many talented people here’, but everyone helps. You’re never an isolated person.

“I have learnt so much about music and stagecraft that I never knew existed.”

While he also takes part in eisteddfods and concerts, musicals remain his true love, but they are not without their anxieties, even after all this time.

“Masochism is definitely high on the

agenda,” Richard laughed.

“Every time you walk out on stage you get nervous, even people with a lot more experience and more professional than me – it’s the adrenalin rush.

“But there’s a wonderful elation when the whole thing works and you have the audience there. It’s addictive.”

While playing Gus, the old theatre cat, in Cats was his favourite role, he said each musical had its appeal and Hello, Dolly! was no exception.

“It’s very colourful and lively, and everyone knows the big songs. It will be a lot of fun for the audience,” he said.

Those songs include, of course, Hello, Dolly! as well as It Takes a Woman, Before the Parade Passes By and It Only Takes a Moment.

The show, made famous by Barbra Streisand in the lead role, tells the story of the widow Dolly Levi (Shannon

ON STAGE: Richard Chiverrell, in his role as Lazar Wolf in the sell-out Fiddler on the Roof, believes Hello, Dolly! will be equally successful with its blend of comedy, colour, dance and song.

Photo: Mary Quade Gralow), a socialite turned matchmaker, as she schemes to make her own romantic designs come true with the cantankerous but rich Horace Vandergelder

(Justin Tamblyn).

Hello, Dolly! is on at the Empire Theatre from September 7-9.

The Friday show is at 7.30pm, Saturday at 1.30pm and 7.30pm, and

Sunday at 1.30pm.

Tickets are $40 for adults and $33 for concession. To book, go to www.empiretheatre .com.au or phone 1300 655 299.

■ To find out more about the society and its original or contemporary choirs, go to the website toowoombachoralsociety. com.au or phone 0467 260 866.

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NEWS

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NEWS

AUGUST, 2018// SENIORS

60-year-old crowned Ms World 2018 Robyn’s award proves age is but a number

Ann Rickard

INSPIRATIONAL: Beauty Queen Robyn Canner.

Photo: Jim DeFreece

IF ANYONE thought beauty pageants were only for the young they should look to Robyn Canner for inspiration. At age 60, she has claimed the title of Australia’s oldest beauty queen after being crowned Ms World 2018 in Seattle.

Beating contestants from 22 countries from ages of 26 upwards, Robyn has proven age is but a number.

Contestants were judged on fitness wear, evening gown, an interview and panel question.

“I was up against a lot of younger women and won, so it’s one more for the oldies,” Robyn said.

“There is no stigma attached to age any more.”

Robyn’s prizes included a crystal crown and $US5000.

Robyn’s positive ageing mindset is a huge influence on her ability to do what she does. She is proud be the first 60-year-old Ms World, and believes age is a state-of-mind rather than life-defining figure.

“I want to help other women celebrate and embrace being over 50,” she said.

“I am hoping to inspire women to stop paying attention to their age number, and be fearless about making changes in their lives, and to celebrate their life experiences and

knowledge.”

While the glamour of wearing frocks and high heels has brought excitement to Robyn’s life, her genuine passion is in helping others, and the Ms World 2018 pageant has provided a platform for Robyn to spread awareness.

Robyn’s 22-year-old son died of non-Hodgkin’s Lymphoma seven years ago, and she has been passionate about doing cancer charity work since.

“Somehow I found pageantry and then found myself on World Class Beauty Queen magazine covers in the US and Europe,” she said. “It was inspiring and was character-building – it encouraged me to keep going.”

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SENIORS \\AUGUST, 2018

NEWS

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EVENT

AUGUST, 2018// SENIORS

Rev up the Leyburn Sprints EVENT DETAILS

Alison Houston IF YOU can imagine racing through the streets in a 1967 McLaren M1B Can-am sports car, you need to get yourself to Leyburn this August 18-19 for the Historic Leyburn Sprints.

Spectators have the chance to win a ride in the car which boasts a 730hp V8 engine, driving a low-slung two-seater that weighs just 750kg.

One of only a handful made, this extremely valuable car only recently arrived in Australia and is making its first appearance on track.

“The McLaren was the fastest and most successful sports car of its day,” Sprints spokesman Chris Nixon said.

“It’s so fast that the driver, Brett Curran from Toowoomba, thinks he might not get it out of first gear around the 1km Leyburn course.”

The event, which was awarded the Queensland Motor Sport Event of the Year in February against major events such as the V8 Supercars, will again have more than 200

❚ The Leyburn Sprints includes a show and shine, vintage caravans, markets and other attractions ❚ It runs from 6.30am August 18 until 5pm August 19 ❚ Entry $20-$30 ❚ Info at: historicleyburn sprints.com.au

HISTORY ON WHEELS: The 1957 Sabakat Lotus 12 makes its first appearance on track. historic, classic and performance cars competing in time trials through the closed streets of Leyburn for a crowd of up to 1500 spectators.

This year’s other star attractions include a 1933 Aston Martin Le Mans car,

making its debut in Australia, alongside Mike Gosbell’s Lotus 12 (Sabakat), the model that launched the British manufacturer into Formula 1 racing in 1957 and has quite a local history.

Toowoomba pilot Ernie Tadgell is said to have bought the car in Europe and shipped it home disassembled inside the fuselage of a crop-dusting plane, to be rebuilt in Australia as the Sabakat (to avoid interest from

Photo: Peter Barnett

customs officials).

While the original car, which had later been refitted with a massive 16-cylinder aircraft engine, overturned and burned to the ground at the Australian GP at Lowood in 1960, it was recreated

from remnants and reappeared in 1979.

The title of the oldest Australian Grand Prix contender, however, still goes to Colin Schiller’s 1939 MG TB, which ran in the original 1949 Leyburn GP, which the Sprints commemorate.

A journalist, Chris has about 60 years of involvement in motorsport and cars behind him, including World Rally and V8s, but said there was something special about Leyburn.

“I love the friendly atmosphere... but particularly I enjoy the eclectic array of cars that turn up to compete and be shown,” Chris said.

Spread the Word With Seniors Think you’ve got news and information that needs to be shared? Whether an upcoming community event, heart-warming tale or an update on anything local we want to tell your story!

Opening Doors to the Seniors Lifestyle

Head online to seniorsnews.com.au today!

SENIORS \\AUGUST, 2018

EVENT

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Smelling the rose perfume Alison Houston THE Queensland State Rose Garden at Newtown Park has made a name for itself on the world stage.

It has been chosen by the World Federation of Rose Societies as a Garden of Excellence.

“It’s quite a proud day for Queensland and certainly a very proud day for Toowoomba and the region and it will be wonderful for tourism,” Friends of the Queensland State Rose Garden president Regina Albion said.

Because the roses flower 9-10 months of the year, she said it would “showcase to the world how wonderful our region is” not just during the Carnival of Flowers, but throughout the seasons.

The world federation represents the national rose societies of 40 countries and Toowoomba’s award was announced in Denmark.

The official plaque, made in Italy, will be presented in Toowoomba on October 8, when the garden is in full bloom, at a ceremony attended by representatives from around Australia and the world.

Regina paid tribute to the many volunteers who had raised funds, established and cared for the garden with council and staff since it began as a community project in 2000.

It now boasts about that number of roses!

“So many volunteers have been involved in this, and the fundraising and support from business

WORLD-CLASS: Friends of the Queensland State Rose Garden president Regina Albion prior to preparations for the coming season and formal celebrations for the internationally recognised Garden of Excellence. Photo: Bev Lacey people and citizens... it’s incredible what they’ve helped us to do,” she said.

“Toowoomba is a very generous-minded place.”

Queensland and Australian Rose Societies president, and member of the World Federation, Paul Hains visited Toowoomba

on July 19 to congratulate council, staff and volunteers on the achievement.

Since the awards began in 1995, the only other Australian honours have gone to Victoria, with the Mornington Botanical Rose Garden chosen in 2015, Morwell Centenary

Rose Garden in 2009 and the Victoria State Rose Garden in 2003.

Regina said she was delighted to see the vision of the three businessmen who had initially put the proposal to council in 1999 that a section of Newtown Park be developed as “an

international standard rose garden”, come to fruition.

Classes are also held for the public to learn pruning techniques and how best to care for their own roses. To find out more go to www.qldstaterose garden.com.

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AUGUST, 2018// SENIORS

Talk 'n' thoughts

Gail Forrer Group Editor Issues underpinning work after 60 have emerged in a number of categories including availability, suitability and, in particular, age discrimination.

The article below reflects back to us these issues and, for one person, a solution.

In particular, companies extending formal apprenticeship for older workers are noted, and also that few such initiatives have been taken up in Australia.

Gail Forrer PETER Brady was 68 when he decided to start the transition to retirement.

His plan was to switch from full-time work to casual contracts so he’d have more time to spend

Lateral thinking: How to best use life skills

with his family and to study.

However, the former CEO of Autism ACT soon hit a snag: age discrimination.

“I found if I submitted my full CV, I wouldn’t get an interview,” he said.

“If I truncated my experience and qualifications I’d get one, but then I’d show up at the interview and be competing against all these Gen Ys. “I’ve got no doubt there was discrimination going on.”

The Australian Human Rights Commission’s Willing to Work report of 2016 found age-related bias is widespread – and particularly rife in employment.

“Remarkably, the report found a high proportion of hiring managers who were taking age into account were aged over 40 themselves,” a manager at aged care provider IRT Foundation, Toby Dawson, said.

While age discrim-

ination has a slew of negative impacts, including those on mental health, families and financial independence, it was also regrettable from a broader economic perspective.

A 2015 survey by the Australian Human Rights Commission found an increase of just five per cent in the paid employment of Australians aged over 55 would have a $48 billion impact on the economy each year.

With the number of Australians aged 65 and over projected to double by 2055, there will be an increased demand for aged-care services and additional strain on the welfare system if greater labour force participation was not achieved.

While the Willing to Work report urged the government to create a national action plan to address employment discrimination and to launch public education campaigns to dispel

negative stereotypes about older workers, some have started taking matters into their own hands.

Mr Brady said he was delighted to be offered a reverse internship by IRT’s Toby Dawson, who at the time was 31.

The idea came from the movie The Intern, starring Robert De Niro and Anne Hathaway, in which a 70-year-old widower interns at a fashion company run by a CEO half his age.

“It just so happened The Intern had come out and we’d both seen it. We talked about it at the interview and decided that’s what we’d do,” Mr Brady said.

“My role was to share some of the tricks of the trade and where I had skinned my knees, so to speak. At the same time, Toby was managing transitioning me to a more junior role – he was coaching me in how to do it again.”

Mr Brady didn’t want to

stop working completely and working 40 hours a month would allow him to put the money he’d made from selling an investment property into his super fund. However, he understood if he wanted to work fewer hours, he would need to take on a more junior role.

“When you go for those senior roles, they’ll start off saying 20 hours a week is fine but within a matter of weeks it becomes, ‘Can you give us another day?’ Or the board is calling you up at all hours. It’s difficult to be a part time CEO or manager, because crises inevitably come up.”

The role he was offered as a project coordinator at IRT allowed Mr Brady to brush up his social media skills and to learn how to use newer Microsoft Office applications; tasks he previously delegated.

He said the first year of the 18-month internship was challenging, partly because it required a change of mindset.

“When you’re no longer the manager and not directing people any more, it’s emotionally a bit draining,” he said.

But he said the experience was invaluable because he had since moved to work for Wollongong City Council where he was employed on a casual basis.

It was also a win for Mr Dawson, who said working with Mr Brady fast-tracked his own learning and development.

Companies such as Barclays Bank in the UK and Goldman Sachs and PricewaterhouseCoopers in the US have launched formal apprenticeships targeting older workers, however there were few such initiatives in Australia.

This story was originally published by bluenotes, ANZ’s newsroom for insights, opinion, research and news about the economy, financial services, investment and society, from within ANZ and outside.

Don’t believe texts you receive out of the blue are harmless

‘‘

Don’t be fooled by messages offering gift vouchers or competitions with great prizes service texts usually come from numbers that start with 19, and they deliver anything from news and financial data to horoscopes, ringtones, adult services, competitions and games.

While some people

WEDnESDay 19Th SEpTEMbER

may willingly sign up to these services, others might receive unsolicited messages and be charged by scammers for receiving the text.

Finder’s Alex Kidman said scammers were smart and if their tactics

worked, they kept using them.

“We may occasionally receive a nonsensical text that we read and then casually delete,” Mr Kidman said.

“What some people might not realise is a $4 or $6 charge appears on their bill later that month just for receiving a text from a premium service you’ve unwittingly signed up for.”

“If you receive a text from a service you don’t recognise chances are it’s a scam. Call your

telco and ask for the number – or all premium service numbers - to be blocked.”

Mr Kidman said money lost from premium services scams had more than doubled, rising by 146 per cent from 2015 to 2017. Since 2015, mobile premium service scams had cost Australians $153,197.

“Don’t be fooled by messages offering gift vouchers or competitions with great prizes. If it sounds too good to be true, it usually is,” Mr

Kidman said.

“Always check your bill.

If it’s higher than usual and not related to excess data charges or overseas calls.”

How to know when you’re being scammed 1. You’ve received a message from a business you have never heard of or don’t remember signing up to.

2. The text is from a phone number that starts with 19.

3. You notice extra charges on your bill for third-party services.

Win Tickets to A Special Screening Thanks to Event Cinemas, we’re giving away 10 double passes for readers to attend the Seniors Morning Tea and Screening of Disney’s ‘Christopher Robin’, from 10am on Wednesday 19th September.^ Tickets $10* for Cinebuzz for Seniors Members.

Sign up to be a member for free online at eventcinemas.com.au Tickets for this screening go on sale on August 15.

In the heart warming live action adventure Disney’s “Christopher Robin,” the young boy who embarked on countless adventures in the Hundred Acre Wood with his band of spirited and lovable stuffed animals, has grown up and lost his way. Now it is up to his childhood friends to venture into our world and help Christopher Robin remember the loving and playful boy who is still inside.

Enter online at seniorsnews.com.au/competitions

*Online booking fees apply. ^Visit seniorsnews.com.au/competitionterms for full competition terms and conditions. Promoter is ARM Specialist Media Pty Ltd of 2 Newspaper Place, Maroochydore Qld 4558. Promotional period 06/08/18-31/08/18. Competition drawn 10am 03/09/18 at Cnr Mayne Rd and Campbell St, Bowen Hills, Qld 4006. Winners announced in Seniors October Editions 2018. Total prize value $200.00 (including GST). Entry is open to all permanent residents of Queensland, residing in the Gold Coast, Sunshine Coast, Brisbane and Toowoomba Seniors distribution areas and NSW in the Northern NSW, Central Coast and Coffs & Clarence Seniors distribution areas. NSW Permit Number LTPM/18/03133

6848374aa

MORE Australians are being scammed by premium service texts, according to comparison website finder.com.au.

Its analysis of data from the ACCC’s ScamWatch shows mobile premium service scams are on the rise, with Australians tricked out of $44,179 in 2018 so far.

This year’s tally is almost six times larger than January to June 2015, when reported scams totalled $7714.

Mobile premium

SENIORS \\AUGUST, 2018

13

Community group guide

Community notes

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 ensure it is at least 180dpi or 500kb to 1mb in size and of faces, in a nice bright setting. Email editor@seniorsnewspaper.com.au.

NSA

Garden City THE Annual Meeting of Garden City National Seniors Australia will be held at Drayton Bowls Club, cnr Ball and Gipps Street on Monday, August 20 at 9.30am. Cost $7 includes morning tea.

Visitors welcome. Guest speaker will be David Iliffe Radio Breakfast Announcer from ABC Radio. The monthly bus trip on August 28 is to Ormiston House in the Redlands Bay area. For more information Phone Hazel on 4635 4519.

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

Our monthly bus trips are on the third Thursday of the month. August 16th heading to Cleveland for a morning tea, visiting Redlands Museum and lunch at Grand View Hotel.

If interested in joining with us phone Desma 4613 6750 or Yvonne 4638 5252.

TOOWOOMBA QUILTERS CLUB INC

OUR 2018 exhibition will be held at the Salo Centre, St Ursula’s College, Rome Street, Toowoomba on September 22-28 at 9am-4.30pm. $5 entry.

Refreshments and homemade crafts on sale.

Formal management meetings are held at 10am on the first Tuesday of the month and all members are encouraged to attend and take advantage of the opportunity to provide input into the conduct of the club. For more information, email toowoombaquiltersclub@ hotmail.com or phone President Lyn Lloyd on

0488 552 651.

TOOWOOMBA PARKINSON'S SUPPORT GROUP

WE MEET at 11.30am in the Community Meeting Rooms, Level 3, Toowoomba Regional Library, Victoria Street on the first Thursday of the month. A shared lunch will be available. Please phone Jan Barrett on 4635 4844 or Patricia Stevens 4564 9353 for any further information.

CENT SALE MISSIONARY SISTERS OF ST PETER CLAVER

THE Missionary Sisters of St Peter Claver welcome the Spring with a Cent Sale on Wednesday, September 5 at All Seasons Function Hall, corner of North and Tor Sts Toowoomba. Doors open at 8.30am for a 9.30am start. Prizes on offer are of an excellent standard and include generous meat and fruit trays, quality homewares and something special for the men. $5 entry gives you a free sheet of tickets, Lucky Door Entry and Buffet Morning Tea. For further information, phone the Sisters on 4632 1818.

LAIDLEY UNITING CHURCH QUILT AND CRAFT EXPO

THE theme this year is "Songs of Yesteryear". As well as the quilt and crafts on display we have talented people demonstrating their crafts and you have an opportunity to buy some unique gifts. For those more interested in outdoor machinery we have displays of Vintage Vehicles, Tractors and Engines. Entry to all the displays is only $5 for adults and 50c for children. You can also purchase locally grown

IMPORTANT DATE: Residents from Glenfield Grange Retirement Village in Middle Ridge Toowoomba enjoyed a trip down memory lane during a visit in to the Cobb & Co Museum and the Alice in Wonderland special exhibit. From left: Denise Beauchamp, Hilary Darmody, Marlene Orange, Daphne McCallum, Maureen Tomkins, Ruth Hart, Karolyn Bruce, Gail Roberts, Patricia Grassey, Daphne Bischof, Helen Kennedy, Shirley Cormack. Glenda Taylor and Helen Moncrieff.

Photos: Contributed light lunches. Gourmet barista-made coffee will also be available.

Exhibitors will include some first-timers as well as popular well-knowns showcasing their home-made Australian wares. Much to look forward to. Phone Rhonda's Rag Trade on 0429 093 207 or Yandilla Rose 4693 3968.

TOOWOOMBA TURF CLUB

Lifeflight’s events organiser Amy Luhrs (right) gratefully accepted a beautifully hand appliquéd quilt from its maker Trish Prowse from the Toowoomba Quilters Club. vegetables and home cooking. As part of our exhibition we have our "Courtyard Cafe" – a covered area where we serve Morning and Afternoon Tea as well as Lunch. A group lunch package is available for $17 per person. This price includes: Entry Fee to Quilt & Craft exhibition.

Choice of Sandwiches, Salad Box (with Ham or Chicken), or Hot Mince Roll, Strawberries & Ice-cream, Tea/Coffee.

Laidley Uniting Church, 45 Patrick Street, Laidley. on September 6, 7, and 8. If your group chooses the Lunch Package, a table will be reserved and the

whole group will dine at an allocated time. Please forward your booking and payment prior August 27.

Please note one payment only to be made for the entire group. If you would like to make a group booking for either of these options, please phone Melinda on 5465 4151 or 0448 654 151, or email linminbrim@bigpond.com if you wish to reserve a table so you and your group can sit together.

PITTSWORTH CRAFT AND FINE FOOD SPECTACULAR

A "Champers, Coffee and Dessert" evening will

launch the 14th annual Craft and Fine Food Spectacular this year. The Launch will be held in the Pittsworth Town Hall on Thursday, October 11 from 7-9pm. Patrons will have first opportunity to shop at the exhibitors’ stalls during the evening, and tickets will be advertised closer to the event. Doors will be open to the public from 9am-5pm Friday, October 12 and Saturday, October 13 and from 9am-12noon on Sunday, October 14. Entry will be free. As usual, visitors will be well catered for with delicious home-made Devonshire Morning and Afternoon Teas, as well as

LOCAL country racing clubs have been the beneficiaries of a generous furniture donation by Toowoomba Turf Club. Warwick Turf Club and the Lockyer Valley Race Club joyfully accepted donations of furniture items this week.

Events coming up at Clifford Park include: Allan Border Sportsman’s Lunch on Friday, September 14; UBET Toowoomba Turf Club annual Racing Awards on Saturday, September 15; Pat O’Shea Plate & Mad Hatter’s Race Event on Sunday, September 23; Melbourne Cup on Tuesday, November 6 and Fletch & Hindy Sportsman’s Lunch on Friday, November 16. To attend any of theses events, go to the website cliffordpark.com.au for details and ticket pricing.

Enter to win a fine collection of Australian novels SENIORS newspapers are offering you a chance to win books that have been recognised as the best in Australia.

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

Established through the will of My Brilliant Career

author Miles Franklin, the prize is awarded each year to the author of a novel which is of the highest literary merit and presents Australian life in any of its phases.

First presented in 1957, the award helps to support authors and to foster uniquely Australian literature.

Miles Franklin believed that “without an indigenous literature, people can remain alien in their own soil”.

She also had first-hand experience of struggling to make a living as a writer and was the beneficiary of two literary prizes herself.

2018 award The short list for the

2018 Miles Franklin Literary Award has been announced. The short-listed titles are: ■ No More Boats by Felicity Castagna (Giramondo) ■ The Life to Come by Michelle de Kretser (A&U) ■ The Last Garden by Eva Hornung (Text) ■ Storyland by Catherine

McKinnon (Fourth Estate) ■ Border Districts by Gerald Murnane (Giramondo) ■ Taboo by Kim Scott (Picador).

If you would like the chance to win a selection of these books, please read the advertisement on page 14.

14

WELLBEING

AUGUST, 2018// SENIORS

Wellbeing

NEW HEALTH: The Federal Government has launched a trial into home-based treatment that includes holographic virtual doctors.

Seniors to stay at home longer in hologram trial

IMAGINE this scenario: sitting in your loungeroom while you discuss medical advice with a hologram.

That could very well be a look into the not-too-distant future after the Federal Government launched a trial into home-based treatment that includes holographic virtual doctors. The Australianfirst Integrum Aged Care+

trial promises to reduce hospitalisation and help senior Australians live independently in their homes for longer.

Minister for Aged Care Ken Wyatt said the trial, run by Silver Chain, a not-for-profit organisation delivering community health and aged care services, could hold the key to unlocking technologies that would assist seniors staying in charge of their health.

“This trial aims to overcome the challenges

of fragmented care and poorer patient experiences, which can happen when a person is transferred between hospitals, specialists and aged care providers,” Mr Wyatt said.

“It’s hoped that through Integrum older Australians will have more control over their care, through a wraparound network that delivers both health and social support.

“It will include the Australian-first

application of the Enhanced Medical Mixed Reality interface, allowing healthcare professionals to link with doctors and data through holograms and video conferencing, while they are visiting clients’ homes.

“The Silver Chain Integrum team will communicate with the client’s regular GP, if they have one, to complement the care they provide as part of a shared care model.

“This care team will

oversee and manage processes like care planning, co-ordination of health and aged care services, referrals and escalation of care, if needed.”

Mr Wyatt said the pre-trial results had returned positive feedback and led the Federal Government to back the initiative with a $948,400 investment.

“The second phase of the trial will see the program offered to up to 300 people with multiple

chronic conditions who have been hospitalised between one and five times in the previous year,” Mr Wyatt said.

“As part of the trial, the project team will be testing whether this integrated care approach helps senior Australians to better manage their conditions at home and reduce hospitalisations and emergency department visits.”

For more, go to silverchain.org.au.

Miles Franklin Book Giveaway!

In honour of the Miles Franklin Literary Awards, we have 5 Book Prize Packs to Give away!

Perpetual is the trustee of the award, Copyright Agency is a proud supporter of the award and readers can find out more information via milesfranklin.com.au

The prize packs will consist of the following novels: No More Boats by Felicity Castagna The Life To Come by Michelle de Kretser The Last Garden by Eva Hornung Storyland by Catherine McKinnon Border Districts by Gerald Murnane Taboo by Kim Scott to be in the draw enter online at seniorsnews.com.au/competitions

Visit seniorsnews.com.au/competitionterms for full competition terms and conditions. Promoter is ARM Specialist Media Pty Ltd of 2 Newspaper Place, Maroochydore Qld 4558. Promotional period 06/08/18-31/08/18. Competition drawn 11am 03/09/18 at Cnr Mayne Rd and Campbell St, Bowen Hills, Qld 4006. Winners announced in Seniors October Editions 2018. Total prize value $879.30 (including GST).

Entry is open to all permanent residents of Queensland, residing in the Gold Coast, Sunshine Coast, Brisbane, Wide Bay and Toowoomba Seniors distribution areas and NSW in the Northern NSW, Central Coast and Coffs & Clarence Seniors distribution areas. NSW Permit Number LTPM/18/03133

6848374ab

Seniors News

SENIORS \\AUGUST, 2018

WELLBEING

15

Heart health year round Naturopath Stephen Eddey offers six tips to heart health Tracey Johnstone MANAGING our heart health during winter is really about following a set of basic actions that will benefit our health year round.

ATP Science naturopath practitioner Stephen Eddey reminds us, “cold weather means our body has to increase its metabolism to keep warm.

“When you increase your metabolism, you increase your heart rate and your blood pressure.

That causes a mild stress on the heart. So, if your heart it not strong enough, that mild stress can be enough to tip you over the edge and can cause heart attacks which is why heart attacks increase during winter.”

Stephen offers six tips for countering this risk.

1. Exercise ■ Become fitter by doing regular exercise every day.

“The only bad exercise is the one your not doing,” Stephen said.

■ A morning walk, swimming, resistance exercises in the gym – do any exercise that puts a mild stress on your heart.

2. Supplements ■ Take ubiquinol. “If you are over 60 - a lot of people take a medication for their heart called a statin drug - those drugs decrease the level of coenzymes q10, so you need to replace that by taking a supplement containing ubiquinol,” Stephen said.

They can be purchased from any health food store, naturopath or pharmacy.

3. Cardio test ■ Get your GP to give you a comprehensive cardio vascular health test.

■ Also talk to the GP about your risk factors for heart disease.

4. Fish oils ■ Take fish oil supplements that contain EPA and DHA. They can be purchased from the supermarket, health food store, naturopath or pharmacy.

Make exercise enjoyable by meeting up with friends for a morning walk or join a gym.

Photo: Cecilie_Arcurs

WINTER HEALTH: Naturopath Stephen Eddey.

Eating well and having a balance is an important step to good health.

5. Eat well ■ Include lots of fruits, vegetables, salad and cold water fish such as

6. Reduce stress “Reduce the stress levels in your life, and start enjoying life by

salmon in your diet.

■ Minimise refined grains and carbohydrates and trans fats.

de-stressing, which is probably the fourth pillar of health,” Stephen added.

Improve your relationship with your heart

GOOD HEALTH: Learn the triggers for Type 2 diabetes.

DIABETES Australia wants people to understand the very strong relationship between heart disease and type 2 diabetes; it’s their number one cause of death.

The Australian Institute of Health and Welfare reports about 574,000 Australians aged 65 and

over are living with mostly type 2 diabetes, which is a largely preventable condition. Men account for about 55 per cent of these reported cases while rates can increase with age with the highest prevalence reported in people aged 85 and over.

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unaware of your risk of developing diabetes because you are currently feeling okay and there are no obvious warning signs of a possible chronic condition developing. But, be aware; if you are over 40 and overweight, or have a family history of type 2 diabetes, you are

at risk.

To find out if you are at risk, go to: diabetes australia.com.au/ risk-calculator.

“People with type 2 diabetes can reduce their risk of heart disease by losing some weight, being physically active, quitting smoking, managing high

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WELLBEING

AUGUST, 2018// SENIORS

Chesty body panels check

You may need to visit your local GP for more IT DOESN’T matter whether you are in your 60s, 70s or older, it’s a good time to check out the upper body panels: your chest.

You can use the following check list from Foundation 49 for some of the items you should consider talking to your GP about and to find out more information.

■ Asthma (air/fuel mix) – asthmaaustralia.org.au.

■ COPD (air/fuel mix) – includes emphysema, chronic bronchitis and chronic asthma lungfoundation.com.au/ patient-support/copd/ ■ Blood Pressure (oil pressure) – heartfoundation.org.au/ your-heart/know-yourrisks/blood-pressure.

■ Heart risk factors (clean fuel lines) –

‘‘

It’s a good time to check out the upper body panels: your chest. heartfoundation.org. au/your-heart/know-your -risks/heart-attack-riskfactors.

■ Heart disease (broken heart). heartfoundation. org.au/for-professionals/ clinical-information/. coronary-heart-disease.

■ Type 2 Diabetes (fuel injector blockage) – diabetesaustralia.com. au/type-2-diabetes.

Go to: malehealth.org.au.

MEN'S HEALTH: Check out your chest health this winter.

Photo: Men's Health

World-first emergency dept intervention service for elderly THE unique Geriatric Emergency Department Intervention program, which was conceived and tested in a small hospital in regional Queensland, has the potential to go worldwide.

The program is a fast-track hospital emergency department program designed specifically for frail elderly patients, mostly aged about 70 and over.

Often these potential patients arrive at emergency as the first stop when a key medical issue arises and, for example, their GP is not immediately available.

The patient is then placed into the hospital system immediately.

However, it’s not always necessary for this person to have hospital

admission and be submitted to the often very stressful, high-pressure department.

University of the Sunshine Coast program research leader and program co-designer, Professor Marianne Wallis said, “If you are increasingly frail, maybe with some mild cognitive impairment or some other age-related condition, then emergency departments become very confusing places; there are bright lights, noise, machines going ping. They can worsen mental functioning; people can become quite anxious and confused.”

“What these patients need is for someone to work out what care is required for the patient.

This is where GEDI comes to the fore. A team of gerontology-skilled ED nurses, dressed in bright and easily identifiable pink uniform, are on hand.

Attached to the team is an ED doctor who acts as the medical lead and communicates with other doctors on the GEDI patient’s needs and status.”

Where the service starts is when a frail

person arrives at the ED. The primary ED nurse will call in a GEDI nurse to review an admitting patient.

“Those nurses are specially equipped to make detailed assessments of frailty and particular issues that relate to older people,” Prof Wallis said.

“They then have direct referral pathways such as straight through to the

orthopaedic surgeon or the aged care team or to community services if the GEDI nurse believes the patient would be better looked after by that group.

“The GEDI nurses can organise for people to be safely transported back home, and put in place better care.

“With the appropriate care at home these people then avoid the stresses of medication

and routine changes, disorientation and confusion – all of which can happen when an elderly person is pushed into the ED.” The program is in place at two Sunshine Coast hospitals.

It will be rolled out in Cairns and Ipswich before an implementation training program will be developed and offered Australia-wide.

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INTERVENTION PROGRAM: Nurse Andrea Taylor and Dr EJ Marsden, from the program, with patient Joan Graham.

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SENIORS \\AUGUST, 2018

FEATURE

Join in the fun QLD SENIORS WEEK 2018 August 18-26

DISCOVER ACTIVE LIVING in Highfields

17

18

FEATURE

AUGUST, 2018// SENIORS

SENIORS WEEK 2018

GemLife Highfields offers you lifestyle, luxury, convenience

ARE you looking to downsize but you’re not entirely sure about your options?

Do you have family in the Toowoomba area who would like to move into a more manageable home?

Are you an active mature aged person who loves to be on your feet and surrounded by like-minded people?

Come in and check out the premium resort facilities, luxury homes and vibrant community that is GemLife Highfields.

GemLife sales manager Racheal Benham said the community is growing fast, with 12 homes already occupied.

“The country club will be completed by the end of this year with many excited residents looking forward to enjoying it on a daily basis,” Mrs Benham said.

“Luscious gardens are beginning to come together throughout the resort, which you can see for yourself as I take you

on a short buggy ride from our brand-new sales office to our beautifully dressed display homes,” she said.

“GemLife Highfields has 12 architecturallydesigned home designs to choose from, with a selection of two or three bedroom options with designer kitchen, covered alfresco area and a two car garage.

“Our homes are fitted out with all the modern conveniences to help you live the life you deserve.”

Larger block sizes leave room around your home to exercise your green thumb as well as your pets.

GemLife resorts are pet-friendly so downsizing doesn’t mean getting rid of your best friend.

With 30-plus years’ experience and an expert team of master planners, GemLife promises extensive world class facilities, a friendly community and affordable luxury homes within a secured gated neighbourhood and a pet-friendly policy.

There is no entry or exit fees or stamp duty and you will retain 100 per cent of your capital gain.

GemLife are the pioneers of the ‘ageing in place’ strategy — their mission is to ensure you can live independently and stay in your own home longer.

PresCare, a service offered exclusively to residents at GemLife resorts, is a not-for-profit service provider, providing home care services.

“You don’t have to be retired to live here, but it does give you more time to enjoy the facilities,” Mrs Benham said.

“Once complete, the country club will house a ten-pin bowling alley, indoor pool and spa, private cinema, ballroom, bar and café, games room with golf simulator and much much more.

“Come in and see our friendly sales staff to learn more about our facilities.

“The resort is situated near Highfields Village

Shopping Centre which houses a Woolworths and other speciality stores.

“There is also a good selection of eat-in and take-away restaurants and cafes.

“The residents get together on a regular basis, whether it be for morning tea, lunch, dinner or a day trip in the resort bus.

“Everyone makes new friends when they come to visit, as the resort is a social hub and you will be run off your feet with activities and invitations.”

GemLife Highfields offers a way for you to live a luxurious active lifestyle, make new friends and downsize.

Contact the sales team and join in on one of the regular morning teas, or come in and see the latest display homes and speak to the team about your new lifestyle.

For more information, phone 1800 910 278 or email rachael.benham@ gemlife.com.au, or visit gemlife.com.au.

SOCIAL HUB: There is so much to do at GemLife Highfields, you won't have a chance to get bored.

Photo: Michal_Bednarek

Celebrate your retirement or simply life in general at GemLife.

GREAT LIFESTYLE: Luscious gardens are beginning to take shape at GemLife Highfields

Photos: Contributed

FIVE STAR Country Club

SENIORS \\AUGUST, 2018

FEATURE

19

SENIORS WEEK 2018

Calendar of events

SATURDAY, AUGUST 18

■ Table Tennis Morning 9.30am-noon Join experienced and new, interested people for a fun-filled morning of table tennis games, lessons and morning tea with the Table Tennis Association.

Venue: 5 Woodlands Rd, Gatton.

Cost: Free.

Contact: Bookings required on 5466 3425.

■ Warwick Campus Open Day 10am-1pm Experience the Southern Downs’ premier care accommodation.

Take a tour of the brand new aged care service and Regency Park Retirement Village. Enjoy some live entertainment and complimentary refreshments and barbecue lunch with the campus community after your tour. Games, activities and fun for the whole family.

Venue: Warwick Aged Care Service.

Cost: Free.

Contact: Susannah Kerridge on 0437 468 263 or email susannah.kerridge@ cofcqld.com.au.

■ Colours of the Lockyer Arts and Culture Festival 10am-3pm Laidley Pioneer Village will come to life in a kaleidoscope of music and dance to showcase the unique elements of life in the Lockyer Valley.

Markets, dance, live music and more.

Venue: Laidley Pioneer Village, Pioneer St. Cost: Free.

■ Native Beekeeping Workshop 1.30pm-4.30pm Native Beekeeping Workshop: Russell is a third-generation honeybee keeper and is keen to share his passion with you. Learn all about his native bee box design.

Events are open to residents of the Lockyer Valley aged 50 years and over.

Venue: Gatton COTA Seniors Centre, 13 North St, Gatton.

Cost $5.

Contact: Bookings

required on (07) 5466 3425.

■ Vietnam Veterans Day 4.30pm-6pm Join with your local community to commemorate the service of all those men and women who served in Vietnam.

Venue: Anzac Memorials, Littleton Park, Hickey St, Gatton.

Cost: Free.

MONDAY, AUGUST 20

■ Mystery Bus Tour 8.30am-3pm Leaving Laidley Cultural Centre at 8.30am and Lockyer Valley Cultural Centre, Gatton, at 9am, you are in for a day of surprises, new experiences and great entertainment. Events are open to residents of the Lockyer Valley aged 50 years and over.

Venue: Lockyer Valley Cultural Centre, 34 Lake Apex Dr, Gatton.

Cost: $15 including morning tea and lunch.

Contact: Bookings required on (07) 5466 3425.

■ Westbrook Seniors Week Concert 9.30am-noon Join us for a free Seniors Concert at Westbrook Hall.

Entertainment for the morning will be the ever-talented Owen Ray singing all your favourites.

Tea, coffee and cake will be available on the day but numbers are limited.

Venue: A bus will be available for residents from Clifton and Cambooya and will be leaving from the Clifton Customer Service Centre at 9am, picking up residents at Cambooya Post Office on Eton St at 9.20am and finishing up at the Westbrook Hall at 9.30am.

Cost: Free.

Contact: Bookings are essential on 131 872.

TUESDAY, AUGUST 21

■ Quilting Arts anyone?

9.30am-noon Toowoomba Quilters Club offers friendship, encouragement and

YOU TIME: Seniors Week provides a host activities to brighten your day. inspiration to anyone interested in patchwork, quilting (by hand or machine) and needlework.

Come along any Tuesday.

Venue: Toowoomba Community Baptist Centre, 100 Glenvale Rd. Contact: Phone Janice on 0409 634 272 or go to Facebook.

■ Seniors Week Morning Tea and Concert with Owen Ray 9.30am-noon Come and be entertained by Own Ray with a morning tea prepared and served by Oakey High School students.

Venue: Pittsworth Function Centre, 42 Hume St, Pittsworth.

Cost: Free.

Contact: Bookings required on 131 872.

■ Gatton COTA Seniors Social Day 9.30am-1.30pm Help bridge the generational gap as Peace Lutheran Primary School students visit with the seniors during the Social Day. Enjoy morning tea, entertainment and a two-course lunch plus lucky door prizes. Seniors Week events are open to residents of the Lockyer Valley aged 50 years and over.

Venue: Gatton COTA Seniors Centre, 23 North St. Cost: $15.

Contact: Bookings required on

(07) 5465 7127 or 0439 621 798.

WEDNESDAY, AUGUST 22

■ U3A Seniors Information Expo 8.30am-2.30pm Expect to see all things connected with seniors.

Booths covering: government departments – local and state, service clubs, aids to ageing, entertainment, social clubs, information on fitness and health, travel, legal support, financial advisers and plenty of general interest groups.

There is plenty of parking and a courtesy vehicle available in the carpark.

Venue: HumeRidge Church of Christ, 461 Hume St, Toowoomba.

Cost: Free.

■ Gatton Seniors Luncheon 9.30am-1pm Bring along your friends, enjoy morning tea, lunch, great entertainment with local musician John Miners, raffles, lucky door prizes and more.

Venue: Gatton Shire Hall, 52 North St. Cost: Free.

Contact: Bookings required on (07) 5466 3425.

■ Marburg Seniors Week Celebrations 9.30am-1pm Tai chi, live entertainment, morning tea and lunch, information

stalls.

Venue: Marburg Community Hall and Park, Cnr Queen and Edmond Sts. Cost: Free. No need to RSVP. ■ Mystery Movie 10am-noon Settle back, munch on some popcorn and enjoy a movie with a difference.

Events are open to residents of the Lockyer Valley aged 50 years and over.

Venue: Laidley Library, Spicer St, Laidley.

Cost: Free.

Contact: Bookings required on (07) 5466 3425.

■ First Aid Training for Seniors 10am-3pm This is a non-accredited course. Morning tea and lunch provided.

Venue: Redbank Plains Community Centre, 180 School Rd. Cost: $20.

Contact: Bookings required by August 20 on (07) 3810 6646 or karri.browne@ipswich. qld.gov.au.

■ Seniors Week – Old School is Cool 11am-1pm This year we will be joined by some local young people who are making a short film about why ‘Old School is Cool’ and we welcome your voluntary participation as they find out our earliest memories of Laidley and

the changing technology over the years.

Venue: Eagle Rock Cafe, 107 Patrick St, Laidley.

Cost: $5. Please pay with cash on arrival.

Contact: Bookings required on (07) 5465 1889.

■ Taoist Tai Chi Class 1pm-2.30pm Join members of the Taoist Tai Chi and they will guide you through a basic tai chi class. The class is free for all first-timers and new members. Seniors Week events are open to residents of the Lockyer Valley aged over 50 years.

Venue: Gatton COTA Seniors Centre, 23 North St, Gatton.

Cost: Free.

Contact: Bookings required on (07) 5466 3425.

■ CPR Refresher Training 4.30pm-6.30pm This is an accredited refresher training course.

Coffee and tea provided.

Venue: Redbank Plains Community Centre, 180 School Rd, Redbank Plains.

Cost: $25.

Contact: Bookings required by August 20 on (07) 3810 6646 or karri.browne@ipswich .qld.gov.au.

■ Line Dancing is Fun 7pm-8pm Join a fun group of all ages as you negotiate your way through shuffles, coaster steps and vines.

The class is free for all first-timers and new members. Seniors Week events are open to Lockyer Valley residents aged 50 years and over.

Venue: Forest Hill School of Arts, Railway St, Forest Hill.

Cost: Free.

Contact: Bookings encouraged on (07) 5466 3425.

■ Millmerran Seniors Bingo 8.30am-12pm Millmerran seniors, come along to Millmerran Cultural Centre to play bingo and enjoy morning tea to celebrate Seniors Week. Doors open 9.30am, eyes down at 10am. Lots of great prizes to be won.

Venue: Millmerran Cultural Centre, Walpole CONTINUED ON PAGE 20

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SENIORS WEEK 2018 FROM PAGE 19 St, Millmerran.

Cost: Free.

Contact: Bookings essential on 131 872 or contact Millmerran Community Support Service on (07) 4695 1829.

THURSDAY, AUGUST 23

■ Lockyer Valley Community Activities Shed 9.30am-12.30pm Join the members for an Open day, find out what happens inside the shed, see the amazing hand-crafted timber items and sign up to become a member if you are keen.

Morning tea included.

Events are open to Lockyer Valley residents 50 years and over.

Venue: Lockyer Valley Community Activities Shed, Saleyard Rd, Gatton.

Cost: Free.

Contact: Bookings required on (07) 5466 3425.

■ Laidley Seniors Luncheon 9am-1pm Catch up with old friends and meet new ones over morning tea and lunch. Entertainment

by Pete Smith, raffles, lucky door prizes and more. Seniors Week events are open to Lockyer Valley residents 50 years and over.

Venue: Laidley Cultural Centre, 3 LaidleyPlainland Rd, Laidley.

Cost: Free.

Contact: Bookings required on (07) 5466 3425.

■ Seniors Week Morning Tea and Concert with Owen Ray 9.30am-noon Come and be entertained by Own Ray to celebrate Seniors Week 2018, with a morning tea prepared and served by Oakey High School students.

Venue: Oakey Cultural Centre, 64 Campbell St, Oakey.

Cost: Free.

Contact: Bookings on 131 872.

■ Vintage and Classic Car Rides 9.30am-noon Free event, includes

FUN AND GAMES: Seniors Week challenges you to try new and enjoyable activities. morning tea and lunch.

Senior Week events are open to Lockyer Valley residents 50 years and over.

Venue: Laidley Pioneer Village, Pioneer St, Laidley.

Cost: Free.

Contact: Bookings required on (07) 5466 3425.

■ Mystery Movie 10am-noon Settle back, munch on some popcorn and enjoy a movie with a difference.

Events are open to Lockyer Valley residents 50 years and over.

Venue: Gatton Library, 34 Lake Apex Dr, Gatton.

Cost: Free.

Contact: Bookings required on (07) 5466 3425.

■ Ageing Stronger, Active Living Forum 10am-3pm Healthy ageing forum for seniors with guest presentations, interactive demonstrations. Morning tea and lunch provided.

Venue: Humanities Building Auditorium, 56 South St, Ipswich.

Cost: Free.

Contact: Bookings

required on (07) 3810 6666.

FRIDAY, AUGUST 24

■ Line Dancing is Fun 9am-12noon Join a fun group of all ages as you negotiate your way through shuffles, coaster steps and vines.

The class is free for all first-timers and new members. Seniors Week events are open to Lockyer Valley residents 50 years and over.

Venue: Forest Hill School of Arts, Railway St, Forest Hill.

Cost: Free.

Contact: Bookings encouraged on (07) 5466 3425.

■ Noonga’s Senior Week Celebrations 10am-11.30am Free entry, complimentary morning tea and finger food luncheon. Doors open at 10am for meet and greet, morning tea served at 10.30am. Guest speakers, mega cent auction $2 per sheet, market stalls, games and old-time trivia.

Venue: Noonga Hall,

Jackson-Wandoan Rd, Jackson North.

Cost: Free.

Contact: Bookings required by August 22 on (07) 4627 6483.

■ Seniors Cinema Day 10am-noon Enjoy a special screening of The Book Club. Drink, popcorn and giveaways included.

Venue: Limelight Cinemas, Riverlink Shopping Centre, The Terrace, North Ipswich.

Cost: $7.50 Contact: Registrations required by August 23 in person at Ipswich City Council, or phone (07) 3810 6666.

■ Over 50’s Lifestyle Expo 10am-12.30pm A diverse range of informative exhibitors plus a selection of special interest groups available in the region. Free afternoon tea. Seniors Week events are open to residents of the Lockyer Valley aged 50 years and over.

Venue: Gatton Shire Hall, 52 North St, Gatton.

Cost: Free.

■ Combined Churches

hoto: Orbon Alija

Family Gospel Service 2pm-3pm An afternoon of gospel music and a performance by the Peace Lutheran Choir. Afternoon tea will be provided. Events are open to residents of the Lockyer Valley aged 50 years and over.

Venue: Gatton COTA Seniors Centre, 23 North St, Gatton.

Cost: Free.

■ Line Dancing Class 5.30pm-7.30pm Why not give line dancing a go? It’s fun, it’s free and it’s easier than it looks. Meet some great people and try something new. Seniors Week events are open to residents of the Lockyer Valley aged 50 years and over.

Venue: Gatton Church of Christ Hall, Cnr Hickey and Allan Sts. Cost: Free.

SATURDAY, AUGUST 25

■ Chaplaincy Breakfast 7.30am-9am This is a time for fellowship and prayer to support school chaplaincy in Gatton. Events are open to residents of the

Lockyer Valley aged 50 years and over.

Venue: Seventh Day Adventist, 9 North Church, Gatton.

Coast: Entry by donation.

Contact: Bookings required on (07) 5466 3425.

■ Breakfast and BBQ for Seniors 8am-noon Enjoy a barbecue breakfast and entertainment.

Venue: Gailes Community House, 30 Karina St, Gailes.

Contact: Registrations required by August 23 on (07) 3879 3004.

■ Variety Concert 8am-noon Enjoy an afternoon of great music. Proceeds to school chaplaincy program. Events are open to residents of the Lockyer Valley aged 50 years and over.

Venue: Gatton COTA Seniors Centre, 23 North St, Gatton.

Cost: $7.

DISCLAIMER: All notices are published in good faith and no responsibility is taken for inaccuracies.

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SENIORS \\AUGUST, 2018

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SENIORS WEEK 2018

Riding high for good cause Fundraiser hardly a challenge

A LIFETIME spent fighting fires, a passion for helping those in need and a desire to stay fit keeps 73-year-old Pimpama resident Graham Flack on his bike for hour after hour every week.

Mr Flack completed his eighth Bike4Burns charity ride recently, clocking up 750km in the saddle in a week riding from the Gold Coast to Brisbane via Boonah, Killarney, Toowoomba, Blackbutt, Toogoolawah and Mt Crosby, all in the name of charity.

Mr Flack and his emergency service colleagues raised more than $30,000 for the Children’s Hospital Foundation burns research unit with their ride.

The former firefighter, who lives at Halcyon Greens retirement village, admits at age 73 he doesn’t mind being the oldest cyclist on the Bike4Burns tour.

“The young blokes just liked someone to remind them their best years are yet to come,” Mr Flack said.

“I enjoy the banter of the youngsters, it’s satisfying to watch them try and chase me up the

FIT AND HEALTHY: 73-year-old Graham Flack has just completed his eighth Bikes4Burns tour. hills. It’s just good fun doing it and I probably do it because I still can.”

He said the toughest aspect of the Bike4Burns charity ride was the

training.

“I started months ago at the height of the Queensland summer, but if you don’t train properly you’ll hurt yourself,” Mr

Flack said.

He attributes his success to the support of his wife Del, the range of riding tracks accessible in and around Pimpama, and

the regular aerobic classes he attends at his retirement village.

As to what’s next, Mr Flack is likely to line up for a ninth Bike4Burns

Photo: Shae Style Photography

event next year and is also considering participating in the next Australasia Police and Emergency Services Games in Perth.

Hidden affliction: Don’t be blind to chronic wounds AUSTRALIAN seniors are being urged to seek medical attention at the first sight of chronic wound symptoms to avoid the nation’s “hidden affliction”.

Wounds Australia is warning the older generation to open their eyes to the insidious nature of chronic wounds.

“Chronic wounds are a hidden affliction in Australia and must be

recognised as a serious health issue to safeguard our ageing population,” Wounds Australia chief executive officer Anne Buck said.

Chronic wounds are cuts or breaks in the skin that don’t show signs of healing within 30 days or that keep recurring, costing the health system an estimated $3 billion each year.

And though they can be

treated by wound care specialists, many sufferers don’t recognise the signs or know how to seek treatment.

“I wish I knew to ask the question: Is this a chronic wound?” David Templeman said.

David lived with a chronic wound for most of his life after injuring his leg playing football in 1970. But it was only last year that David discovered

he had been living with a venous leg ulcer – a treatable injury.

“My one piece of advice is that you shouldn’t suffer in silence. If a wound doesn’t show signs of healing within four weeks, you need to treat it seriously and seek appropriate medical assistance,” David said.

Ms Buck said chronic wounds could devastate sufferers, and with

Australia’s population continuing to age, the numbers are expected to soar in people aged 65 and older.

“Many chronic wound sufferers experience physical, emotional and social health barriers as the wounds stop them from enjoying the activities they normally do,” she said.

“This also causes financial insecurity for

most because ongoing wound management is costly for the individual, and if not treated correctly can cause further medical issues.”

Wounds Australia is calling on older Australians to talk to medical professionals so they can understand what the wound warning signs are and what action to take if they have a chronic wound.

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SENIORS WEEK 2018

My Health Record – improving health care for seniors

SANDRA Johnston has a number of chronic conditions which is why she finds having a My Health Record invaluable.

“I see a wide variety of health professionals including six different specialists. Now I have My Health Record, when I visit the GP I don’t have to worry about remembering medications and test results because I know it’s available,” Sandra said.

Six million Australians already have a My Health Record, an online

summary of their key health information.

By the end of this year, all Australians will have a record, unless they choose not to have one.

71-year-old Clint Ferndale has been in the health business for quite some time.

He created a My Health Record last year because it was “the way of the future”. He finds the system easy to use.

“I found it easy to authorise various accesses or set up barriers to bar access. I

think the whole thing is rather easy. I’m not a technocrat, I’m just a user.”

Some key things to remember about My Health Record: ■ Your important healthcare information is available in one place and accessible by your doctors, specialists or hospitals.

■ When moving interstate or travelling, your information can be viewed securely online.

■ In emergency situations, treating

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ONLINE RECORD: Sandra Johnston finds her My Health Record invaluable.

Photo: Georgia Kelleher

doctors can view information such as current medications and Advance Care Plans to provide appropriate treatment quickly.

■ You don’t need to remember the dates of tests, medicine names or dosages.

■ Because healthcare providers have better access to clinical information, they have a more detailed picture to

make decisions, diagnose and provide treatment.

■ You can control what information goes into your My Health Record and restrict who is allowed to access it.

■ For those that require assistance accessing your My Health Record, you can nominate someone to act on your behalf or ask healthcare providers involved in your care to add information to

your record.

■ The My Health Record system is protected by robust, high grade, multi-tiered security controls and all data is stored in Australia.

If you don’t want a My Health Record, you can opt out by October 15.

For more information, go to myhealthrecord.gov.au or phone 1800 723 471.

Clive and Anne from Safaris Into Africa specialise in small group tours to East and Southern Africa. They are African travel & wildlife specialists who were raised in Southern Africa & remain passionate about the wildlife.

They have over 50 years of travel experience and have delighted travellers with amazing safaris for many years.

So, If you want to breakfast on the Mara river while watching the hippos play in the water or meet the Masai warriors and join their dance, then Safaris Into Africa is the safari company to speak to.

Join wildlife specialist & photographer - Clive Arnoldon his Specialised Small Group African Safaris

(07) 4632 6515 or 0428 965 108 172 Margaret St, Toowoomba, QLD, 4350 www.safarisintoafrica.com Email: info@safarisintoafrica.com Focusing on: South Africa, Namibia, Zimbabwe, Botswana, Kenya, Tanzania, Zanzibar, Zambia, Congo, Madagascar

They’ve taken safaris all over the world and keep coming back to Africa because as Clive said:

“Africa has the most unique & diverse species, the biggest variety of ecosystems with spectacular scenery, amazing culture & delicious food that makes your mouth water. In our experience there is no place better for a holiday of a lifetimeand that’s exactly what we aim to give each person who joins us.”

SENIORS \\AUGUST, 2018

FEATURE

Oxygen used for treatment OXYGEN therapy is the provision of oxygen to assist a person suffering from any condition that requires immediate additional oxygen to maintain healthy cell function where oxygen levels have become desaturated.

A range of both acute and chronic medical conditions require the administration of oxygen.

As such, oxygen therapy is widely used in chronic medical situations such as severe injury/trauma as well as by many people suffering from a range of respiratory conditions requiring supplemental oxygen on a daily basis.

Sufferers from Chronic Obstructive Pulmonary Disease (COPD), cardiac conditions, asthma, and asbestosis to name a few all benefit from/require supplemental oxygen.

A person with insufficient lung function or impaired capacity to

OXYGEN THERAPHY: A range of both acute and chronic medical conditions require the administration of oxygen. oxygenate the blood will usually be prescribed supplemental oxygen.

The oxygen can be supplied by several methods including liquid oxygen – mainly used in hospitals, gas cylinder –

suitable for home use and the more recent development of continuous flow oxygen machines and portable oxygen concentrators that allow much greater physical freedom to the individual.

The oxygen is delivered via either a nasal cannula – a piece of plastic tubing with two curved nasal prongs that sit in the front of the nostrils or by way of a face mask. Nasal cannulas are available in varying lengths to allow the user some freedom of movement.

Face masks vary in style and design according to the condition of the person and their oxygen supplemental levels. As always, consult your doctor/specialist as oxygen therapy requires a prescription.

For more information, phone 1800 315 966 or go to easyoxygen.com.au.

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SENIORS WEEK 2018

Support for seniors CROWNED is a company that reaches national and international clients, inspired by the ever increasing effects on seniors experiencing social isolation, causing increased abuse incidents and health issues both physically and mentally.

The Crowned slogan, You Are Not Alone, summarises the purpose and conviction in which the company’s intentional services were founded. At Crowned, we recognise the impact on seniors who are living without personal supports and are disconnected from their local community for various reasons.

We also understand that family and friends balance very busy lives, reside overseas, interstate or are geographically separated from people they are

Jill Abraham is the founder and managing director of Crowned. concerned about.

Crowned stands in the gap for you through our engagement services.

Having embarked on private transport services, social group day trips, international engagement bookings, corporate services and planned roll outs occurring for future virtual services, there is much to be achieved

in support of our seniors. Feeling isolated, alone, vulnerable, depressed, forgotten or neglected doesn’t need to be how today ends and your future unfolds.

We are so excited to be part of the solution for a generation to whom we owe a great debt as the pioneers of an incredibly rich heritage of opportunities in Australia. I am very grateful to be reaching our international families.

As our mission, vision and values reflect, let’s work together to honour our senior generation and effect change with a thankful hand of friendship and a heart not conservative about giving back.”

Jill Abraham, FounderManaging Director.

Go to crowned.org.au or phone 0402 638 881.

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A limited number of 3 bedroom home-sized waterfront apartments from $899,000 Construction has commenced. Selling fast. Secure yours today

Call Chris King on 0477 432 432 or visit our Display Centre Wednesday to Sunday at 113 Landsborough Ave (Cnr Rock St) Scarborough www.bathersbeachside.com

SENIORS \\AUGUST, 2018

FEATURE

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SENIORS WEEK 2018

A prestigious vision for luxury Redcliffe living WITH the projection of more than five million to be over the age of 65 by 2025, downsizing to a more convenient, luxurious lifestyle by the beach to enjoy the positive effects of health and well-being by the seashore, is still high on the list of living choices for many seniors.

Now under construction

by Traders in Purple, the new Bathers Beachside development is a high-end, luxury project consisting of 24 expansive apartments positioned directly opposite the water in Margate.

This prestigious development is for those for whom only the best will do. A closely guarded local secret, Margate with its 2 kilometres of sandy beach is a little piece of paradise tucked away on Queensland’s stunning Redcliffe Peninsula.

At Bathers Beachside you will find a world of bayside grandeur with spacious, open plan layouts of generous proportions set to become a lifestyle icon and a shining beacon on the Redcliffe Peninsula.

Nature lovers will be enthralled with the sighting of approximately 22,000 migrating whales that pass through Moreton Bay from June to October each year.

The lure of absolute beachfront living has seen buyers from Brisbane and across Australia excited about rediscovering the Redcliffe Peninsula.

Known to those in the know, as a “tranquil pocket of paradise”, discerning buyers are offered a stunning opportunity to live so close to Moreton Bay and still be within a 35 minute commute to Brisbane’s CBD. Comprising 24 luxury three bedroom apartments from the ground floor to the third floor, Bathers Beachside capitalises on its waterfront location and uninterrupted Moreton Bay views. With its sophisticated design and sweeping vistas of the endless ocean, Bathers Beachside will appeal to those buyers searching out quality apartments in the upper $800,000

DISCERNING DESIGN: Comfort, style and easy living have been prioritised in these luxury apartments.

Bathers Beachside with its uninterrupted Moreton Bay views from all apartments.

Traders in Purple are proud developers of beautiful living spaces.

Photo: Mike Curtain Photography

range.

With a discerning palette of refined finishes and superior well equipped kitchens complete with Miele appliances and home automation, Bathers Beachside has enjoyed great demand from buyers with off-the-plan expressions of interest and strong early sales.

Traders in Purple have over 30 years of business

every development. These minimise environmental impacts and maximise the leverage of natural resources to lower living costs for buyers,” Robertson continued.

Significant natural light penetration and air flow through the increased ceiling height and floor-to-ceiling glazing reduces the need for air-conditioning and artificial lighting.

experience and development know-how, dating back to the early 80s. Their vision for Bathers Beachside was to encompass the local lifestyle values of the blue chip location of Margate Beach by offering open plan living, and ensuring the development responded to climate and context by maximising natural light, breezes and spaces to entertain.

“Part of the Traders in Purple developer hallmark is to maximise space in the living and balcony areas of our apartments where people spend most of their time,” says CEO Brett Robinson.

“Our passion for environmental sustainability goes into each and every project we develop with techniques, products and innovative designs incorporated into

Positioned an easy 35 minute drive from Brisbane’s CBD, this magnificent stretch of coastline is never over crowded.

Margate Beach features soft white sand and a scenic timber boardwalk that stretches along the coastline for leisurely strolls.

For more information, go to bathersbeachside.com.

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SENIORS WEEK 2018

Making end of life decisions HOW do you want to die?

It’s a pretty confronting question, even when asked not by a serial killer but by quietly spoken aged care project officer Kevin Heisner.

Kevin works for the Gold Coast Primary Health Network and encourages everyone over 18, but particularly seniors, to discuss that too often avoided topic of death and dying.

Issues to be considered include how you want to be cared for if you are unable to think or care for yourself, who will look after your medical and financial affairs, whether you want to donate organs, and how and where you want to be buried.

Too often, Kevin said, people don’t like to talk about these issues because it is too emotional, children want to believe their parents will live for ever, people don’t want to think about getting sick or dying, or believe superstitiously that doing so will bring them bad luck.

GET AHEAD: Forward planning can take the stress out of future decisions.

However, he said, it was far better to address these questions now through advance care planning, rather than in a crisis situation, or when you are no longer able to make decisions for yourself, particularly as we live longer and in the face of increasing rates of dementia.

“Think about what is important to you,” he

urged.

“Nothing is more stressful for your family and loved ones than not knowing what you would want them to do.”

The Advance Health Directive is a document which basically spells out your statement of choices, your wishes (and can be changed at any time).

One section needs to

be completed by your doctor, so you can get him or her to explain anything you are uncertain about medically.

It also has to be witnessed, to be sure you understand the decisions you are making.

“It started with your will, what you wanted to happen after you died; now it’s about your way,” he said.

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“It’s really about peace of mind, so you can continue bungee jumping or doing whatever you want to do in life.”

The directive should be photocopied, a copy kept by you and another given to your GP and family.

Some people carry a card stating that they have made an Advance Health Directive or Statement of Choices and where it can

be found.

It is complemented by an Enduring Power of Attorney – a formal document giving someone you trust the authority to make personal, medical and/or financial decisions on your behalf regarding your care and welfare if you are unable to do so yourself.

Kevin also encourages people not to fear the new federal My Health Record, which keeps track of your medical records in one place.

Rather than seeing this as an invasion of privacy, Kevin said it could be pivotal to your care in allowing hospitals to access information in the case of emergencies and act more quickly, and accurately, with knowledge of your blood group, allergies and other health concerns, for example.

To find out more, go to www.healthygc.com.au or phone 5635 2455 or for national information, go toadvancecareplanning. org.au or phone 1300 208 582.

SENIORS \\AUGUST, 2018

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SENIORS WEEK 2018

St Vincent’s aged care designed for your benefit help around the home, or require around the clock care, St Vincent’s Care Services provides a holistic and tailored approach to retirement and aged care services to suit the needs of you or your loved one.

Many seniors who are now “empty nesters” often find the maintenance and upkeep of the family home becoming a challenge.

Sometimes, just making adjustments to your lifestyle such as downsizing to a smaller home, and having

someone else take care of maintenance can have a huge positive impact on your health and wellbeing.

St Vincent’s Care Services Independent Living communities offer contemporary and private units with the convenience and comfort of a managed village lifestyle.

St Vincent’s Care Services Community Living is the perfect solution for seniors who are able to live in their own home or in an Independent Living community, but who would

ENHANCING AND EMBRACING: St Vincent's Care Services deliver holistic care and support to promote independence, wellbeing and lifestyle. benefit from some assistance.

Whether it’s help with the cleaning or weekly grocery shop, transport to and from appointments or social activities, or nursing care to help manage health conditions, your community living co-ordinator will work with you to develop a plan to

suit your needs and lifestyle.

When additional support is required, St Vincent’s Care Services Residential Living provides around-the-clock holistic aged care for a range of needs.

Residents’ expert clinical care and comfortable welcoming accommodation is

complemented by professional hotel services, extensive leisure and lifestyle activities and amenities, and compassionate pastoral care support.

St Vincent’s Care Services staff focus on enhancing and celebrating each resident’s lifestyle and enriching their quality of life, and always ensuring residents feel welcome, valued and safe.

Contact St Vincent’s Care Services to arrange a tour on 1800 778 767 or go to svcs.org.au.

J2316 0916

MAKING the first steps into the world of aged care is not always an easy journey, particularly when seniors and their families are faced with so many choices of providers and care types.

With locations in Brisbane, Toowoomba, the Gold Coast and Sunshine Coast, St Vincent’s Care Services is a leading provider of retirement living, in-home community living and residential aged care services.

Whether you’re looking to downsize, need some

‘‘

Your community living co-ordinator will work with you to develop a plan to suit your needs and lifestyle

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SENIORS WEEK 2018

HAPPY HELP: Nikki (left), Jane (right) and Jason (not pictured) from CPAP Toowoomba are always glad to help people to understand the products and services on offer.

Sleep easy with CPAP

WHEN it comes to life-changing experiences, finding a way to sleep soundly at night has to be up there.

For CPAP Direct managing director Bryce Perron this was certainly true.

Mr Perron said he used to sleep for eight hours, but always felt tired.

“That’s because quality sleep is more important that quantity,” he said.

“I learned after my diagnostic test that I stopped breathing 28 times an hour, so it’s no wonder I felt wrecked the next day.

“After my first night on CPAP, I lost the need for an afternoon nap at 2pm.

“To be honest, it’s changed my life and I don’t feel like I’m going to fall asleep while driving.”

So what is this CPAP? Short for Continuous Positive Airway Pressure, CPAP is a technique of providing a steady stream of pressurised air to people while they sleep which stops the throat from becoming blocked and waking people up.

It is normally administered by a CPAP machine which has a quiet motor and filter system to generate the air, a hose to carry the air, and a mask that helps deliver the air to the nose and mouth.

The newest CPAP

CPAP Direct Toowoomba is on James Street, opposite Holden. Photo: Contributed devices are compact, easy to travel with and have many battery options.

Mr Perron said sleep was precious to everyone.

He said we spend a third of our lives in bed and the environment we sleep in has a direct impact on our body’s ability to heal and regenerate.

People who snore a lot and have an unsettled sleep and often those with type 2 diabetes or sleep apnoea are among the worst snorers and suffer lack of energy

during the day.

Mr Perron said CPAP therapy will stop the snoring instantly and help to minimise other potential associated health risks that come with a lack of real sleep.

As more and more people come to understand the benefits of CPAP treatment the variety of machines on offer has increased, as has the size of the industry providing them.

Mr Perron said CPAP Direct Toowoomba was also now doing bulk-billed, Department of Veteran’s

Affairs approved, sleep studies through their new branch opposite Holden on James St. The studies help to identify sleep problems such as sleep apnoea.

“If people are feeling tired during the day, if they’re snoring, if they’re depressed or forgetful, if they need to get up for the bathroom more than once a night or are just generally cloudy in the head, they could have it,” Mr Perron said. “We are now doing a sleep service out of our Toowoomba branch so people can

have a sleep study done in their own home.

CPAP Direct, which also has stores in Queensland at the Sunshine Coast, Morayfield, Chermside, Upper Mt Gravatt, Ipswich and the Gold Coast, offers a range of extra services, including CPAP House Calls for people looked after by the Department of Veterans Affairs.

For those who buy from the business, there’s the added benefit of access to a dedicated remote clinician service which provides priority support to the CPAP users by

email or phone.

Mr Perron said CPAP Direct operated a group of retail stores and clinics that specialise in the treatment of sleep apnoea.

“We sell the latest brands of CPAP machines which are used to treat sleep apnoea, as well as all the masks and accessories,” he said.

“Our competitive advantage is our price point – we have a 5 per cent price-beat guarantee.”

CPAP Direct also has the smallest CPAP machine in the world, which is perfect for travellers.

“And most of the machines that we sell have got remote monitoring capabilities, which means that our experts can monitor them at no additional cost,’’ Mr Perron said. “So every day, when they turn their machine off, it’ll upload all the data into the Cloud and we can keep an eye on them to make sure everything’s going right.”

To find your nearest store, see a wide range of available products, and read more about CPAP, go to cpap.com.au or look for CPAP Direct on Facebook.

Alternatively, phone 1300 133 298 and the helpful staff will point you in the right direction.

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FEATURE

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SENIORS WEEK 2018

Facilities favour activity ‘‘

WHETHER you like swimming, playing bowls or a game of cards; there are many activities to keep residents busy and active at any of Living Gems eight Lifestyle Resorts.

Living Gems General Manager Vlad Pullich said the family-owned and operated resorts provide homeowners with security and greater certainty than ever before.

“Our spacious homes, friendly neighbours and on-site managers are just the tip of the iceberg,” Mr Pullich said.

“Our aim is to provide an improved quality of life for active over 50s, seniors and retirees. This is why we offer such an extensive range of quality facilities in our resorts.”

The country club houses a lounge, bar, grand ballroom and deluxe cinema.

A special feature of this resort is the world class country club.

This club is the social hub, providing a stylish and friendly space for residents to get together regularly for a drink or a bite to eat.

The country club houses a lounge, bar,

COUNTRY CLUB: The world class club is a special feature of Living Gems Toowoomba. grand ballroom and deluxe cinema.

At Living Gems Toowoomba, residents will also enjoy access to an indoor heated pool, spa, sauna, barbecue pavilion, gym, under cover bowling green, tennis court, hair salon, games room, library, workshop and art and craft room.

All this set along wide boulevards making daily walks with your new neighbours a pleasure at these pet friendly resorts.

Located within the stunning landscapes of the Darling Downs region, Living Gems Toowoomba is only minutes away from wonderful historic attractions, fresh local

produce and fabulous entertainment and shopping.

As part of their Seniors Week celebrations, Living Gems Toowoomba will host a presentation on Monday, August 20 at 10am on financial planning for seniors which will discuss the latest changes to

superannuation.

This will be followed by a delicious morning tea served in the Country Club.

For further information or to RSVP, phone 1800 348 977, email shirley@livinggems. com.au or go to livinggems.com.au.

SENIORS \\AUGUST, 2018

FEATURE

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SENIORS WEEK 2018

Experience provides the additional service

MARNIE has worked in real estate over a 16-year period throughout Queensland. She moved into aged care and further managing retirement villages due to the 2011 floods downturn which was not a great time for real estate as you can

imagine.

Through this experience in aged care and dealing with downsizing retirees and seniors, she observed a gap in the market where there was a lack of support for these groups in the varying decisions that needed to

be made to make the process one of seamless ease for all these groups involved.

Some of the problems that often arise, having lived in the same family home for many years are: 1. It’s daunting, the real estate market has

changed so much since we purchased our family home 20 plus years ago: Solicitors, banks, pensions, my aged care...

I don’t know where to start!

What are my main needs?

2. Do I relocate to a smaller house, unit, townhouse, retirement village, nursing home with progressive care... even out of town closer to family?

How do I find my next home?

3. Maintenance is too costly! Lawn mowing, yard maintenance, painting, gutters... costs can go on!

How can I reduce my costs?

4. The kids have left home and the house is now two big! Family so spread out and don’t visit often! We want to travel and can’t leave the home

unattended! What are my options?

Once you’ve decided to sell and have found your next home, the fun really begins!

1. What do I take, how do I downsize after 20+ years, how to organise moving house and what to take?

2. Heirlooms versus one man’s junk is another man’s treasure! Family, garage sale or charity?

3. What do I need to purchase for the new property?

4. How does it all flow so I don’t feel stressed?

As you can see above, there are so many incidentals that need to be in the right order to make your move seamless and stress free.

Not only will Marnie sell your home, she has a wealth of knowledge on the various housing scenarios based on

individual wants and needs to guide you and your family all the way to your new home.

Marnie’s additional service is to provide you with a team of trusted local businesses for independent consultation of your choice i.e. de-cluttering service, garden, maintenance, home repairs to get your home market ready, charitable organisations, garage sale support, packing services, removalists and if you need new white goods, a package to suit your needs can be arranged with a local supplier.

For more, phone Marnie Morgan, Sales & Marketing Consultant, RealWay Property Partners Toowoomba on 4638 4400 or 0434 475 338.

Residential and Rural Property Sales

MARNIE MORGAN Ask about my 'Seniors Package' today!

Having worked in Real Estate over the last 16 years throughout Queensland, I now call Toowoomba home.

...

After the 2011 floods in Queensland, Real Estate took a downturn and I decided to take a break and found myself in Aged Care. Managing a retirement village and working directly in aged care, I was often dealing with retiree's and seniors who were downsizing

...

Through this experience I observed a gap in the market and a real lack of support to those groups needing to make major life decisions.

...

My service to you is to not only 'sell' your existing home, but to make it a seamless experience and offer further assistance in finding your new location and support in organising all of the finer details.

Call me today to find out more.

0434 475 338 EXPERT ADVICE: Marnie Morgan, Sales & Marketing Consultant, RealWay Property Partners Toowoomba.

marnie.morgan@realway.com.au

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FEATURE

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SENIORS \\AUGUST, 2018

Put a taste of exotica on your list ANDY’S AN N DY ’ S

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AUGUST, 2018// SENIORS

Bait a hook here: A line to top 10 of the world’s fishing spots Try your fishing skills in very unusual locations.

WHETHER it’s pinning down piranha, battling black marlin or shrimping on horseback, fishing offers holiday fun and local insight. Not to mention dinner.

1. SALMON: UMBA RIVER, KOLA PENINSULA, RUSSIA

Aurora borealis, reindeer herds, snow: Russia’s Kola Peninsula is a winter wonderland beyond compare. But come spring, this Arctic eden morphs into a different kind of paradise: salmon heaven. Each May, fisher-folk flock to the Kola’s 123km-long Umba River to cast for some of the finest, fattest Atlantic salmon on earth.

The Umba is believed to have up to five salmon runs a year, making for an almost endless flow of fish. But nothing comes easy here: the Umba is isolated, the wading tough going, and anglers have to share their space with the greatest fish fans of them all: bears.

The season is May to the end of October, catch-and-release only.

For more information, go to murman.ru/guide/

tourism/fishing-eng.html.

2. GIANT BLACK MARLIN: CAIRNS, AUSTRALIA

On Australia’s Great Barrier Reef, anyone with a snorkelling mask can find Nemo. But it takes a tough cookie to land a legend. The giant black marlin is one of the most coveted catches on the planet: weighing up to 750kg and able to swim up to 130km an hour, it has the ability to turn hardened game fishers (and, after several hours in battle, their wrists) to jelly. The stunning 250km stretch between Cairns and Lizard Island is the best place on earth to hook one: more giant black marlin are caught in these waters than in the rest of the world combined.

The season runs from early September to late December. For more information go to cairnsbluewatergfc.com.au.

3. CATFISH: SOUTHERN USA

Y’all hungry? Git noodlin’! Also known as cat-daddling, gurgling and hillbilly hand-fishing,

noodling is the not-exactly refined art of shoving your hand into an underwater hole, waiting until you get bitten by a flathead catfish and wrestling the thrashing “mudcat” to the surface. Noodling has its drawbacks (catfish have a lot of teeth, and you never know what is lurking in that hole) but the sport isn’t just for masochistic kicks: Native Americans were highly skilled hand fishers, and in many southern states, the practice has become a much-valued tradition passed down over generations. Solo noodling is a no-no; an online search will bring up plenty of expeditions for the wannabe cat-daddler.

It’s legal in Alabama, Arkansas, Georgia, Illinois, Kansas, Kentucky, Mississippi, North Carolina, Oklahoma.

South Carolina, Tennessee, Texas and Wisconsin.

The season runs from May to August.

4. TAIMEN: EG-UUR RIVER BASIN, MONGOLIA

Think Mongolia, and it’s yaks, nomads and exceptionally salty tea

ASIAN FISHING: Experience the serenity of evening fishing for squid on Halong Bay in Vietnam.

Photo: katoosha

ICE FISHING: Join in the annual competition at the Brainerd Jaycees $150,000 Ice Fishing Extravaganza.

Photo: Brainerd Jaycees Ice Fishing

that probably spring to mind. But this remote central Asian outpost – more famous for steppes than streams – is one of the last remaining havens for the world’s largest trout species, the taimen.

A fierce, cannibalistic monster (they’re known locally as “river wolves”),

BE-AR-WARE: Watch out for the bears when salmon fishing in Russia.

taimen can grow up to 2m and smash the scales at 90kg; fishing for these whoppers is not for the faint of heart or the feeble of arm. The fish can live for up to 50 years, giving determined taimen trollers a lifetime to land the perfect beast.

Catch-and-release of

Photo: MaharaMK

taimen is strictly enforced.

The season is June to November.

5. PIRANHA: AMAZON BASIN, BRAZIL

It can happen to anyone: a few enjoyable hours watching piranha

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SENIORS \\AUGUST, 2018

‘‘

Exercise caution: in this fishing story, the only one that gets away should be you.

B-movies, and then bam!

Aquaphobia! Since swimming is now off, why not spend your spare time fishing for the demons that turned you into a neurotic mess? Head to Manaus, capital of the Brazilian state of Amazonia, and join one of the many tours that offer piranha fishing (and in some cases, eating).

A hunk of meat lands them by the dozen, but their razor teeth can cut through steel hooks as well as fingers. Exercise caution: in this fishing story, the only one that gets away should be you.

July to October is the dry season in the Amazon and a dangerous time for piranha fishing as the fish are hungry and aggressive. Tours can be organised through www.ariautowers.com.

6. SHRIMP: OOSTDUINKERKE, BELGIUM

If you find rubbernecking an irresistible pastime, head to Oostduinkerke, on Belgium’s southwest coast, where prawn fishermen – paardenvissers in Flemish – use not shrimpers but sturdy

stallions to harvest the North Sea’s fruits de mer.

For the last 500 years, the fishermen have galloped into the sea on horseback, their steeds dragging nets and a wooden carriage (to scare the shrimp to the surface) through cold, crashing waves in a tradition recently recognised by Unesco as being of “intangible cultural heritage”. This four-legged fishing is best left to the experts, but lucky visitors can score a ride in the shrimp-scaring rig.

The seasons are February to May and September to November.

For more informaiton, go to visitor.koksijde.be.

central-Minnesota town of Brainerd is your dream destination. The annual Brainerd Jaycees Ice Fishing Extravaganza is the largest of its kind in the world, attracting more than 12,000 hopefuls keen on the cold… and on hooking themselves a cool $US150,000 worth of prizes. Organisers pre-drill 20,000 holes into the thankfully very well-frozen Gull Lake, from which (d)anglers pull up walleye, perch and bass.

Go to icefishing.org for details on the Ice Fishing Extravaganza held each January.

7. GOLIATH TIGERFISH: CONGO RIVER BASIN

The word squid mightn’t conjure up the warm-andfuzzies right now, but after a night on Halong Bay, that will change. Dozens of junks ply the bay’s jade-green waters on moonless evenings, fishing for the slippery little cephalopods that go into the region’s bestknown speciality: squid sausages. With only a bamboo rod, a catch net and a lamp to attract the squid to the surface, anyone can hook themselves an impressive 30-plus squid in just a couple of hours. The stillness of the bay dotted by the dreamy reflection of

For an adrenaline rush that really will send you reeling, head to the Congo to hunt down the goliath tigerfish, a terrifyingly toothy brute with a temper just as sharp. Africa’s equivalent of the piranha, this aggressive predator has a history of attacking humans, and has been known to maul birds in flight. Growing up to 1.5m and weighing in at 70kg-plus, the mbenga (as it’s known locally) is no easy catch: dangerous day-long battles have made it one of the world’s greatest sports fishing challenges.

If you want to battle the mbenga, you must join an organised excursion for your own safety.

The best time is catch one is during the Congo’s dry season, June to October.

8. ICE FISHING: BRAINERD, USA

Do you like to dig holes in ice and stare into them for a long time? Then the

9. SQUID: HALONG BAY, VIETNAM

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Tierra del Fuego is Spanish for “Land of Fire” and au fait fly-fishers couldn’t agree more: when it comes to trout, this place is hot. The archipelago boasts the world’s best sea-run brown trout angling: the minimum average weight of the region’s brown trout is 4kg (one in 50 catches are said to be 11kg or above), and the Rio Grande teems with an estimated 70,000 of the prized fish. Being at the end of the earth, Tierra del Fuego can be hard to get to, but Rio Grande’s mammoth trout statue will let you know you’ve arrived.

Despite the abundance of trout, there are strict fishing restrictions on Tierra del Fuego: catchand-release firmly applies.

The season is from December until mid-April.

Reproduced with permission from www.lonelyplanet.com, author Tamara Sheward.

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10. BROWN TROUT: RIO GRANDE, TIERRA DEL FUEGO

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AUGUST, 2018// SENIORS

‘‘

welcome to a definitive list of the world’s best journeys

PURE WONDER: Experience by water the Pianemo islands, Raja Ampat, Indonesia.

Photo: MariusLtu

Ultimate top travel list

Selected by international travel experts, these are a selection of the very top travel destinations you should have in your bucket list

IF YOU were wondering what are the best places to visit, then the ultimate bucket travel list is here for your enjoyment.

The World’s Best Journeys list for 2018 has been released and 50 destinations and experiences have been selected by Flight Network and more than 500 top travel journalists, agencies, bloggers and editors.

It’s the ultimate inside guide to diverse and dynamic adventures; for the seasoned traveller and for the ones who want to live life to full for as long as they can travel.

Welcome to the most definitive list of the World’s Best Journeys – a truly inspiring collection of the top 50 transformative trips every traveller must experience in their lifetime. This inspiring resource is an unparalleled guide to diverse and dynamic adventures with exhilarating activities in

the most stunning, mystical, and culturally rich lands on the planet.

We start from the bottom of the list and will work our way over the coming months. This month it’s 50 to 46.

Hold on to your seat while we take off on a fabulous journey Asia, Africa, South and North America.

SAIL THROUGH THE RAJA AMPAT ARCHIPELAGO

Sail through one of the most mesmerizing regions in Indonesia, the Raja Ampat Archipelago, an astonishing collection of 600 islands. These isles remain largely untouched by the modern world and feature vibrant jungles, satiny white beaches, blue waters with almost endless visibility, and a rich tapestry of Indonesian culture.

Climb aboard your boutique ship in Sorong and sail to Kri Island where you can start your

vacation off right with a snorkel atop the rainbow of coral reefs and gentle stroll along the immaculate beach. Then hike on Gam Island, home to the famous Red Bird-of-paradise, before sailing to the Wayag Islands and exploring caves, lagoons, and narrow inlets.

Mix with the locals in Deer and exotic wildlife in Boo Kecil lagoon, then indulge in the gorgeous landscapes of forests and rolling hills on Misool.

Take advantage of your relaxing transportation as you cruise by the alluring shores of the Farondi Islands, then say yes to more snorkelling and beach-chilling on the Kalig and Fiabacet Islands.

Finish your trip with the colourful marine life on Kepulauan Penyu, and friendly locals on Markhesa Bay. Getting there: Fly into Jakarta’s Soekarno-Hatta International Airport. From Jakarta, catch the daily

non-stop flight to Domine Eduard Osok Airport in Sorong.

MOTORCYCLING MADAGASCAR COAST TO COAST

Madagascar’s difficult road system makes motorcycle touring an excellent choice for navigating the different terrain and having intimate views of volcanoes, the rainforest and the Malagasy people.

This bold motorcycle journey begins in the capital Antananarivo, where you set out to Ampefy passing the Itasy region’s lakes, waterfalls and volcanoes. After a night’s rest, you’ll ride to Antsirabe along rice paddies and quaint villages.

The next leg takes riders to Ambohimahasoa, passing lakes of Andraikiba and Tritiva before resting at Lemur Forest Camp. The road to Manakara leads to the coast through the

rainforest. Enjoy a canoe trip before riding toward Mananjary in the Indian Ocean rim and head to Ranomafana to see the best park on the island.

Riding to the Deep South, you’ll pass rock formations near Fianarantsoa before arriving in the vineyard region of Ambalavao.

Continuing south from Ambalavao to Ranohira, riders pass the Anja reserve for a glimpse of ringtail lemurs. Bikers can spend a day exploring canyons and riding along sandstone formations of Isalo National Park.

Heading down between Ranohira and Ifaty, riders can take a break in Ifaty’s beach village and check out baobab trees before catching the flight back to Antananarivo the next day.

Getting there: Flights arrive into Ivato Airport, 20km north of Antananarivo. It’s best to take a charter taxi due to the challenging road conditions. Less than

37

SENIORS \\AUGUST, 2018

Sunset in the famous Avenida de Baobab near Morondava in Madagascar.

Photo: pawopa3336

Ride the Death Road of Bolivia.

NATURE’S PARADISE: chameleon.

Drive the Sea to Sky Highway, British Columbia.

Follow the vast Wildebeest migration in Tanzania.

region to begin breeding season.

Getting there: Several mobile tented camp companies are available to accommodate patrons.

Arrive by flying into Jomo Kenyatta International Airport in Nairobi and transfer to Wilson Airport for domestic flights into Tanzania. Another option is to fly into Julius Nyerere International Airport in Dar es Salaam and make your way to Tanzania’s northern safari destinations by using charter flights out of nearby Arusha Airport.

tour company. Minibuses and GoTransTur buses take travelers into La Paz. Minibuses travel to Avenida 16 de Julio, La Paz’s main street and Plaza Isabel La Catolica where several hotels and inns are located.

A

Madagascan

panther

Photo: belizar73

to tickle the senses 20 per cent of the roads in Madagascar are sealed, leaving the remainder riddled with massive potholes so it’s wise to have a local driver take you to Antananarivo.

During the rainy season many of the country’s routes are impassable and a local driver would know the appropriate detours. Motorcycles can be leased in many places in Madagascar, including Nosy Be, Tulear, and Ile Sainte Marie.

FOLLOW THE WILDEBEEST MIGRATION IN TANZANIA

As migratory river crossings go, the great wildebeest migration in Tanzania is the most dramatic. Rain-swollen and deep, the river tests the wild herds plunging into its murky, crocodile infested waters as they rush to the other side.

Navigating the river’s steep cliffs and fierce currents, they undergo

their frenzied migration through the Serengeti National Park to rich grasslands of the park’s southern region of the Ndutu area of the Ngorongoro Conservation.

Following the migration, the safari begins by jeep in the western region of the park near the Grumeti River, where wildebeest move past zebras, elands and gazelles who inhabit this corridor. Not only do wildebeests have to survive the river crossing, the region is home to predators like lions, cheetah, leopards and hyenas. Pressing on to the eastern section of the Serengeti, wildebeests cover the valleys following long rains, pouring through the narrow route toward the Angata Kiti pastures.

The safari bears witness to the wildebeest’s annual preservation quest when the animals reach precious grazing land in the Serengeti’s southern

RIDE THE DEATH ROAD OF BOLIVIA

Featuring cross markings where many have fallen, the Death Road of Bolivia attracts thrill-seeking cyclists from around the globe each year. A road surrounded by mountainous terrain and terrifying cliffs connecting Bolivia to the capital city, guides lead bikers on the journey with a 4650m ascent

from La Paz to La Cumbe Pass.

Crossing snow-covered mountain peaks, villages, and wildlife like alpacas and llamas, cyclists reaching the top must shift to a treacherous descent of 1100m on a slim, dirt road to wheel into the lush jungle of the Amazon below. Cyclists ride through the spray of nearby waterfalls before reaching the bottom in Yolosa. Outside of Yolosa, riders rest at La Senda Verde Animal Refuge to eat and take a swim in the pool. And, if you still have energy to expend, try Bolivia’s exhilarating zip line, Zzip the Flying Fox, before heading back to La Paz. Getting there: Arrive by flying into El Alto International Airport in Bolivia or through Cusco, Peru and Arica, Chile. Just 25 minutes from the center of La Paz, an airport taxi will get you to the city where you can coordinate with your bike

DRIVE THE SEA TO SKY HIGHWAY, BRITISH COLUMBIA

Curving along cool waters of the Pacific, the Sea to Summit Highway snakes north from Vancouver for 120km before reaching the resort town of Whistler in the Coast Mountains and it’s a drive of a lifetime.

Leave from Vancouver and drive to Lynn Canyon to walk the 50 metre-high suspension bridge at Lynn Canyon Park. Hop in the car and steer west towards Shannon Falls and see massive falls flowing an impressive 335m down the Howe Sound.

Drive to Stawamus

Chief Provincial Park for a hike to stretch your legs.

For a unique vantage point, take the Sea to Sky Gondola 900m up the side of Mount Habrich.

Get a bird’s eye view of the coastal mountains boarding a charter flight above Garibaldi Provincial Park. Continue your journey with a walk around one of the three lakes at Alice Lake Provincial Park.

North of Garibaldi, Brandywine Falls Provincial Park features magnificent falls to ponder from a viewing deck. After your drive, spend the night in Whistler and hike the Peak to Peak 360 Experience.,.

Getting there: Arriving by air you’ll likely be flying into Vancouver International Airport.

Major car rental companies have desks at the airport. flightnetwork.com/blog /worlds-best-journeys

38

AUGUST, 2018// SENIORS

$3450*

Inside Cabin, PP Twin Share Single add $875

2 Pacific Queens Rail & Sail Indian Pacific & Pacific Eden 10 Days, 14th February 2019

A i i in Arriving i Perth, P th bboardd th the iconic i i Indian I di Pacific P ifi TTrain i tto embark b on an epic journey across to Adelaide and then board the Pacific Eden for a fascinating 5 day cruise to Port Lincoln on the Eyre Peninsular & Kangaroo Island. *Airfares to be Added

TOTAL TASMANIA 11 DAYS, 21st October 2018 $3490 P/P-TS* Single Supp + $650

2019 Sneak Peak $699*

*PP Twin Share, Single $225

Yamba & Byron Bay Short Break - 4 Days, Departs 3rd / 10th March 2019

Travel to Cabarita Beach through to Bangalow before arriving at Yamba.

Then visiting the seaside village of Iluka and then Cruising the Clarence River.

Traveling then down to picturesque village of Brooms Head, Maclean then onto Angourie. Then through Evans Head,Woodburn and finish at Bryon Bay before heading back to Brisbane

Uluru - Field of Light Olgas & Alice Springs $3790* 7 Days - 29 May & 14 Aug 2019 *PP Twin Share, Single $550 Visiting ULURU Cultural Including Flights ex BNE Centre, Ranger-Guided Mala Walk. Heading to Kata Tjuta National Park & The Olgas Field Of Light Experience is spectacular. Touring Alice Springs. Exploring MacDonnell Ranges & Simpsons Gap

WW2 Midget Subs & Sydney 5 Days - Departs 18th March

$1790*

*PP Twin Share, Single add $380

$1490*

*PP Twin Share, Single add $420 *Plus Applicable Discount Rail Fare

Garden Island RAN Center Japanese Mini Sub Display Sydney Harbour Cruise & Sub Attack Locations, Hyde Park Luna Park High Tea Lunch Star Casino Buffet Dinner 1 Way Flights to SYD included

$3495 P/P-TS*

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Discover Cooktown 8 Days - Departure Dates 2019: 13th April, 11th June, 15th July, 9th & 21st Sep

Depart Brisbane, Cairns, Mossman Gorge, Daintree River Cruise, Port Douglas, Discover Cooktown, Famous Lions Den Hotel, Endeavour River Cruise, Jacques Coffee Plantation

$4990

*PP Twin Share, Single add $800

Australian Open Tennis

4 Days - Departs 15th Jan 19

$1490*

*PP TS, Single add $320 *Plus Airfares

Artvo Gallery, Star Observation Wheel, Reserved Daytime Seating Margaret Court Arena & Top Seeded Players, Puffing Billy Steam Train & Emerald Village, Colonial Tramcar Dinner, Queen Vic Markets

$1390 *PP TS, Single add $255

Majestic River Murray, 10 Days, 23rd Apr 2019 A Wonderful 10 day Tour of the Murray River by Coach Albury to Adelaide including 5 Paddle Steamers & Cruises Yarrawonga, Echuca, Euston Swan Hill, Mildura, Renmark Loxton, Goolwa, Victor Harbour The Kimberly & Beyond 11 Days, 18th July 2019 Darwin Discovery Tour Dinner Cruise Katherine Gorge Cruise, Lake Argyle, Zebra Mine Tour, Bungle Bungles Hidden Valley, Ord River Cruise & Geikie Gorge Cruise, Halls Creek, Chamberlain Gorge, Fitzroy Crossing, Broome Discovery Tours Cable Beach Eccentric Lightining Ridge 5 days - 6 May & 16 Sept 2019 Fossick for your own treasure on lands that 100 million years ago were inhabited by dinosaurs and ancient forests, a stone’s throw from the discovery one of the world’s most large and valuable uncut black opals. This is, Lightning Ridge.

Return Economy Flights Launceston & Tamar Valley River Cruise St Helens Freycinet National Park Coles Bay Wine Glass Bay Bicheno Triabunna Swansea Hobart

$2290

P/P-TS* Single Supp + $520 Including Flights ex BNE

Half Price SINGLE

$2490 P/P-TS* Single Supp + $300

$1540 P/P-TS* Single Supp + $400 *Plus Discount Rail

$1490 P/P-TS* Single Supp + $390

Port Arthur Derwent Bridge & Queenstown Strahan Gordon River Cruise Cradle Mountain Dove Lake Stanley Smithton Devonport

Canberra Floriade Blue Mountains, Bowral Tulips 7 days 18th Sep Bowral Tulip Festival & Bradman Museum, Canberra Floriade & Cookington Green, Parliament House & Museum of Democracy, War Memorial & Last Post Tribute, Cowra & Japanese Gardens, Bathurst & Mount Panorama Drive, Oberon & Mayfield Gardens, Blue Mountains & Everglades Gardens

Hunter Valley Rose Spectacular & Xmas Lights, 8 Days, 1st November.

Enjoy the Hunter Valley Rose Spectacular, the beautiful Jacaranda Festival & the famous HVG Christmas Lights.

Cairns Xmas Capers, 8 Days, 21st December.

Cairns, Kuranda, Port Douglas, Mossman Gorge, Daintree River Cruise, Sky Rail, Reef Casino Xmas Lunch, Dundess Restaurant, Harbour Cruise

A Golden Coast Xmas, 5 Days, 23rd December.

Gold Coast, Broadwater Cruise, Mermaid Beach, Tweed River Cruise, Xmas Day Lunch at The Star Casino, Coolangatta, Byron Bay, Mt Tambourine, Sanctuary Cove

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39

SENIORS \\AUGUST, 2018

Ten great reasons to feel the joy of Lyon life The city exudes beauty, style and taste Ann Rickard TRAVEL author Ann Rickard is in France, where she spent many happy days in Lyon. She shares her bucketlist of favouite things to do.

1. On the meeting point of the Rhone and Saone Rivers, Lyon enjoys an enviable spot and is the third largest city in France, a worthy rival to Paris.

Easy to traverse by foot, but with hop on-hop off bus tours, river cruises, even electric bike tours, there are many ways to explore the city without tiring yourself.

2. Elegant buildings with wrought iron balconies, soaring clock towers, wide city squares, church spires, museums, galleries and spacious boulevards all mean Lyon exudes an air of grace and style. It was the silk capital of France in the 17th and 18th centuries and one of the main hubs in the world for silk production.

3. Les Halles de Lyon Paul Bocuse: If you do nothing else, visit Lyon’s famous indoor food market where more than 60 stalls present myriad gourmet delights.

Symbolic of the gastronomic prowess of Lyon, this hub of culinary excess presents everything from pastries that look like art works to hundreds of cheese varieties made by

legendary cheesemakers.

Wander, drool. Then lunch on oysters, prawns and snails (go on) with champagne at one of the many inviting bars inside the market.

4. Quenelle de brochet: A traditional Lyonnaise dish, usually of fish or meat combined with cream and bound with egg, then moulded into a football shape, poached and served with a creamy sauce. One bite into the velvety texture and you are hooked.

5. Basilica Notre Dame Fourviere: It crowns a hill in the old town and lords it over the city with panoramic views from its terrace. This 19th century cathedral displays glorious French religious architecture and is lined with magnificent mosaics.

Arrive on the hour when the bells are ringing, admire its extravagant exterior and then spend a quite half hour inside contemplating the mosaics…or anything else you like.

6. Rue de la Republique: Stroll this wide and chic pedestrianised street flanked by stylish shops and then sit awhile in the Place de la Republique in the Bellecour quarter with its large rectangular water feature where jets gush water into the air. Very refreshing after a few hours of heavy hopping.

7. Bouchons. Rustic and comfy places to eat generously for little

money. The bouchon tradition came from small inns visited by silk workers passing through Lyon in the 17th and 18th centuries.

Today, the bouchons still serve traditional dishes 8. Old town. After taking the funicular up to the basilica (don’t even dream of walking, it’s very steep) and enjoying the views, stroll slowly down to the old town.

It is UNESCO-listed and an intriguing place with its narrow streets lined with medieval and Renaissance houses.

When you tire, there is always a bouchon and a glass of rose wine within immediate sight.

9. Accommodation choices are many and range from budget to over-the-top. We stayed at the Grand Mercure for around $120 a night.

Lyon has nine districts surrounded by the two rivers with the most lively, the Vieux Lyon (old Lyon), a good option to base yourself if you like to walk everywhere.

10. Lyon’s status as the cuisine capital of France is obvious from every corner cafe, market, bouchon and restaurant.

Lyonnaise specialties include quenelles (see above) and andouillette, a sausage filled with coarsely cut tripe and pork colon (oh, dear!)

MAGNIFICENT ARCHITECTURE: Take time and enjoy the style of Lyon.

Go to annrickard.com.

Outback Queensland & The Whitsundays IMAGINE a coach tour that combines the history and culture of Outback Queensland with the spectacular scenic beauty of the Whitsundays, while supporting communities affected by drought and cyclone Debbie.

This is Coastal Variety Tours 12 Day trip to Longreach, Winton, Airlie

Beach and Hamilton Island which departs August 18.

This tour will take you via Charleville’s Cosmos Centre, arriving at Longreach, a town that encapsulates the history and culture of outback Queensland. Longreach tour includes the Stockman’s Hall of Fame, the multi-million

dollar Qantas Museum,School of the Air, and the Thompson River Sunset Cruise.

Your outback journey is not complete without a trip to Winton, home to the world’s largest collection of Australian Dinosaur fossils and the rebuild Waltzing Matilda Centre.

From the outback to

the sea – Airlie Beach the gateway to the Whitsunday Islands is believed to be the most beautiful region on the Queensland coast.

There’s more to this tour than is written here and it’s well worth discovering for yourself.

Phone 3343 6722 for a detailed itinerary.

Lyon pastries.

Photos: Ann Rickard

40

AUGUST, 2018// SENIORS

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41

Living

WORD SCORE: Elaine Cutts has learnt how to read and write through playing Scrabble at Anglicare’s Killara Respite Centre in Cleveland, Brisbane.

Photo: Anglicare

Learning through Scrabble EVER played the board game Scrabble and been stuck trying to figure out the proper spelling of a word?

Well spare a thought for 87-year-old Elaine Cutts who played her first game three years ago not knowing how to read or write!

“When I first started

coming to (Anglicare’s Killara Respite Centre) I couldn’t read,” Elaine said.

“One day, June (a worker at the centre) said to me ‘why don’t we have a game of Scrabble?’

“I said ‘I can’t play Scrabble, I can’t spell’ and she said ‘well I’ll help you’ and so she started

teaching me.”

What happened next is an inspirational story of how you’re never too old to learn something new as Elaine, with the help of the centre’s staff, learnt the basics of the English language one game of Scrabble at a time.

“They’ve taught me a lot,” she said.

“When I would arrive, the Scrabble came out and we’d play all day.

Because of that I started learning how to spell.”

The Sunshine Coast resident never attended school as she lived and worked on the land in New South Wales. Later in life, her time was taken up raising nine children.

But now that she’s picked up the Scrabble bug, Elaine is hooked!

“Sometimes through the night I’ll wake up and a word will pop into my head and I keep spelling it until I get it right,” she said.

“I won’t go back to sleep until I’ve looked it up in the dictionary.”

It’s estimated that one in seven Australians have poor literacy skills and one in 30 people are at risk of unemployment due to being unable to read and write.

Anglicare’s work in caring for and supporting the community at www. anglicaresq.org.au.

Mentoring tips from top surfer FOR the past 15 years Australia’s most famous female surfer, world champion Layne Beachley, has successfully utilised her high profile to drive forward empowering women.

Layne is now shifting her mentoring direction away from the foundation and into other endeavours, but not before she offers some valuable tips.

Q: What skills do you need to mentor a younger person?

LB: All relationships are built on a foundation of trust. Once this is developed you will need empathy, patience, experience and good listening skills.

Q: Why help a younger person? Wouldn’t it be better to let them work out their issues themselves?

LB: Surrounding

yourself with people who are more experienced than you saves you time and prevents you from making unnecessary mistakes! Leaders learn from other people’s mistakes and fools continue to learn from their own. We all require guidance and support throughout our lives.

Q: Does it matter what age you are when you volunteer as a mentor?

LB: Quality mentors have a lot of life experience so capabilities are bred through stepping out of your comfort zone, embracing life’s challenges and overcoming obstacles.

This can pretty much happen at any age, however, becoming a mentor requires a decent level of emotional intelligence and curiosity.

Q: Would you encourage senior Australians to seek out mentor roles?

LB: Absolutely! They are

a wealth of knowledge and experience and provide a diverse assortment of perspectives to younger generations to learn from.

Q: Do you struggle with getting the younger generation to respect your experience and what advice/support you offer them?

LB: When it comes to mentoring, I’m very specific about who I choose to work with. I honestly feel the younger generation are very open to guidance and advice but they are also hungry for genuine leadership. As long as the counsel comes from a place of authenticity (by that I mean, it has been lived and learned), then I have found the youth are very receptive.

Q: Did you have a particular mentor growing up?

LB: Mentors played a crucial role throughout my competitive surfing career and still do to this day in

the business world.

Surrounding myself with experts saved me a lot of time.

For more information on these events, go to www.laynebeachley foundation.org.au.

SUCCESSFUL MENTOR: Layne Beachley with recipients of grants from her Layne Beachley Aim for the Stars Foundation.

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42

LIVING

AUGUST, 2018// SENIORS

Come to grips with the power BRAND INSIGHTS SINCE August 2017, when the Prime Minister summoned electricity retailers to Canberra to see what could be done to improve the consumer electricity price point, electricity offers have been a point of contention.

One of the only things to genuinely come out of the meeting was reform by way of the pricing information that is published by retailers, and effectively ‘sold’ to consumers. On August 31, 2018, almost a year to the day, new Retail Pricing Guidelines for electricity retailers will come into effect.

These guidelines were pushed through by the Australian Energy Regulator to provide clearer and more user-friendly information for consumers about electricity plans.

These new guidelines aim to improve consumer understanding of the different products and services retailers offer.

Yet understanding an electricity price schedule is still a difficult thing.

With so many variances, what do you need to look for to get the best deal?

Discounts THE biggest cause of confusion in electricity

offers is, of course, the infamous “discount”.

The new changes are not going to fix this completely as they are now including guaranteed discounts and conditional discounts.

Guaranteed discounts are just a way of reducing the base rate without actually doing so, normally by a small amount of between 5-7 per cent.

A conditional discount is something that the consumer must do to qualify, this includes agreeing to a direct debit payment, paying on time or early, or even ensuring your solar generation performs to a certain level.

Discounts are used because energy retailers are exposed to market fluctuations on the wholesale purchase cost, locking in a “discount” with a consumer means that it leaves the base rate flexible.

The key point is untangling the whole lot to get the effective rate of usage, which in simple terms is how much per kWh you pay.

Incentives NEXT on the agenda are incentives.

There has been a noticeable addition to the current electricity offers floating around which are leading towards including incentives.

WHAT’S ON OFFER: Certain options do cost more and as always, nothing is ever free, so when reviewing an electricity supplier's offer, take your time and you will find an offer that best suits your needs.

The new guidelines require these incentives to be distinguishable on the offer with a differentiation of non-price, ie one-off benefits such as gifts clearly listed with their true value.

The value of these incentives needs to be measured and usually, over the long run, these deals will cost more.

Bundle deals WE are also seeing the “add-on” or “partnering” deal becoming part of the scene with a requirement for a consumer to bundle with partner product like solar/batteries or even a telco or TV package to obtain a certain electricity offer.

The real value of these will become much clearer with the new disclosure

requirements; with cross-subsidisation now being visible to the consumer.

Dummy offers ONE of the biggest reforms was to remove “dummy” offers, offers that were “not generally available”.

Now there is a requirement to only publish offers that are generally available. This

should remove some of the confusion outright, if you like the look of a deal, it should be available to you.

Although as a consumer you will be more informed, always remember you make a choice to agree to a retail electricity offer.

To find out more, go to localityenergy.com.au.

Mobility scooter insurance under the spotlight INSURANCE coverage for mobility scooters has worrying gaps in it, according to the Australian Lawyers Alliance.

NSW President of the ALA Andrew Stone said these gaps mean injuries caused by mobility scooters can leave the injured person unable to recover damages and the scooter rider financially vulnerable to significant compensation claims.

“There are insurance gaps between public liability and motor vehicle

insurance and potential gaps between Compulsory Third Party (CTP) insurance and public liability insurance,” Mr Stone said.

“Consistent national standards would help solve this problem.

“At present some motorised scooters are covered in relation to some accidents.

“However, that coverage is an inconsistent patchwork.

“There is also insufficient public information available about insurance

arrangements for mobility scooters.

“Mobility scooters are heavy and powerful.

“They can, and do, cause significant injury.

“ALA lawyers have come across mobility scooter injuries, covering everything from pinning a fellow supermarket patron against a checkout counter causing significant leg injuries, through to knocking out the ladder from under a worker who was fixing an electrical device on a public street.”

ALA has also identified

the problem of third party insurance schemes being state and territory-based with each jurisdiction having different rules in relation to the use of mobility scooters and therefore the applicable insurance that may cover accidents.

“Some mobility scooter riders may be covered by the public liability extension on a domestic home and contents policy,” Mr Stone said.

“However, the existence of this coverage is effectively random as far as the victim is concerned

and has its limits.

“The reality is that there is a gap in coverage between CTP schemes and public liability policies.

“These arrangements are entirely unsatisfactory in relation to both accident victims and mobility scooter owners.

“We urge the Commonwealth to take a leadership role in creating national standards and ensuring mobility scooter users are better informed about the rules and their own liability.”

Mr Stone recommends

scooter owners should: ■ Check what they are covered for under their existing insurance cover by talking to their home and contents insurance provider.

■ Ask whether the insurer if the policy includes third party injury and third party property cover.

■ Seek advice from specialist insurance companies who provide mobility scooter insurance.

■ Check state rules and regulations around mobility scooter owners.

SENIORS \\AUGUST, 2018

MONEY

Shop around for the better Super deals Tony Kaye THE Productivity Commission and the banking Royal Commission have both focused on the distinct lack of transparency in many areas of the financial industry.

The $1.2 trillion managed funds sector, where so many retirees have their funds invested, often on the recommendation of their financial adviser, is one of those areas where transparency is distinctly lacking in terms of fees disclosure.

If you don’t know what you are paying in fees, if you have your capital invested in a managed fund, it’s definitely time to find out.

Research conducted by InvestSMART using data from investment research

group Morningstar shows that, at May 2018, out of about 5300 Australian managed funds that have a 10-year investment history, 76 per cent had underperformed their industry standard benchmark by an average of 1.75 per cent per annum.

What’s staggering is that there is currently about $330 billion of investors’ capital sitting in these under-performing funds alone, which are charging average fees of 1.73 per cent per annum.

While average management fees on some investment products have been falling in recent times, many investors in managed funds are often paying higher fees than those in other funds largely providing the same investment exposures.

What’s worse is that the highest management fees being charged are by the actively managed

investment funds whose primary mandate is to outperform against their market benchmark.

In most cases, they haven’t.

Fees can be controlled The most important dimension to the managed funds fees issue is investor apathy.

Many Australian investors are paying the ultimate financial price by choosing to keep their capital in under-performing managed funds instead of shopping around for better alternatives.

While it’s impossible to predict the future performance of a particular fund, what most investors are ignoring is that the amount of fees they are paying paid can be controlled by switching into funds that, by virtue of charging lower management fees, will outperform their competitors.

Some will outperform

their set benchmarks in different years, but over longer periods they probably won’t.

But the key is to choose funds that offer the same or similar investment exposure, such as to Australian large cap or mid cap stocks, or to global markets, and that charge lower management fees.

Comparing funds The easiest way for investors to compare between different funds covering the same investment category is by matching one or more funds to the market benchmark they are measuring their performance against.

InvestSMART has just released an industry-first tool, Compare Your Fund (investsmart.com.au/ compare-your-fund), which allows investors to compare the fees and performance of nearly 9000 Australian investment funds online.

The free-to-access tool can analyse the performance of managed funds, super funds and pension funds against peers and industry standard benchmarks, and also allows investors to assess fund fees against comparable funds.

InvestSMART’s funds research is telling.

It shows that 96 per cent of managed funds in the multi-sector moderate category have underperformed the benchmark Morningstar Aus Msec Moderate Total Return AUD comparison index over the last 10 years by an average of 1.54 per cent per annum, and are charging average annual fees of 1.58 per cent.

Similarly, 92 per cent of funds in the multi-sector growth category have underperformed the Morningstar Aus Msec Growth Total Return AUD comparison index over

43

Money

10 years by an average of 1.62 per cent, and are charging average fees of 1.69 per cent.

The story doesn’t change across other fund categories, except that the total percentage of under-performing funds does reduce.

It’s evident to most investors that the amount of fees paid will have a direct impact on returns over time.

Yet this becomes even more stark when an investment is left in an under-performing fund over a long time.

The key message for investors is not to stay in under-performing managed funds.

They are costing you better returns.

Look around and shop around.

Tony Kaye is the editor of Eureka Report, which is owned by listed financial services company InvestSMART. Go to investsmart.com.au.

Keep up to date with bequest limitations and challenges WILLS and estate planning lawyer Dylan Heffernan, of law firm McCabes, works through what are some of the limitations with giving bequests.

Charity limitations Conditional bequests to charities are possible, but there are practical limitations.

“If a client was looking to give an amount to a charity but wanted that amount to applied to particular project, we would generally recommend specify that as a wish,” Mr Heffernan

said.

“You might say, for example, ‘I give $… to RSPCA Australia and I express a sincere wish that this amount is applied to finding homes for dogs that are rescued from puppy farms’.”

When you die and that project no longer exists, the bequest can still go to the specified charity and it will apply the funds as it sees fit.

Once the bequest is received, there are no obligations for the charity to carry out any actions for the donor’s estate.

Most of them will however issue a receipt or letter of thanks to the donor estate.

Other organisations You can also give your assets to a non-charitable, private organisation as the people who will benefit from the bequest will be the shareholders.

Challenges to gifts Family members may be able to challenge a testator’s bequest decision if it can be proven that the testator didn’t approve the contents of their will.

Leave the legacy of a cancer-free future for children Consider leaving a gift in your will to The Kids’ Cancer Project, a charity dedicated to funding childhood cancer research.

Visit thekidscancerproject.org.au/giftinwill to learn more or phone Veena Singh in confidence on 02 8394 7715.

Complete the form to learn how your will can help the littlest cancer patients.

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Title:

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Request a call from Veena

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Another area of challenge may be where a testator leaves all or a large part of his or her estate to a charity and doesn’t leave anything in their will for persons that they have duty to provide for under the will.

If you give a bequest to “natural person” who has died before your estate is settled, the gift will fail.

The exception is in NSW where the intended beneficiary is a direct descendent of the deceased and leaves surviving children. In that case the children of the

intended beneficiary will share the gift.

Executors discretion It may be that at the time of your death the charity you have nominated no longer exists or at the time you are drawing up your will you can’t decide which charity you want to support.

“If a client wishes to make a bequest to a particular charity under their will, we would generally recommend that they also give their executors direction to give the amount to some

other charity that has a similar purpose in circumstances where the intended charity no longer exists or for some other reason it is not possible to pay out the gift,” Mr Heffernan said.

Keep your will up to date As over time your decision of who should receive a bequest can change you should review your estate planning every three to four years if you are still working, whenever a significant life occurrence happens and if retired, every two or less years.

44

MONEY

AUGUST, 2018// SENIORS

Advice for administering a loved one’s estate Answers to common questions

Carolyn Devries CEO of New Way Lawyers IN THIS instalment of our series about administering a loved one’s estate, we look at what happens when an executor named in a will is unable to act, or does not wish to act as the executor.

Question #5 - Can I decline to become an Executor?

There are often situations that arise which mean a named executor in a will is unable or unwilling to complete the responsibilities associated with administering a deceased estate. Some of these situations may include advanced age, illness or

disease, living interstate or overseas, or having too many commitments to attend to and not having the time.

If a person named as executor in a will is unable to act, or does not wish to act, then they can decline to accept the appointment; this is commonly referred to as a renunciation of executorship.

For an individual to renounce their role as executor they will generally be required to complete and sign a renunciation form which will then be lodged with the Supreme Court, along with an application for a Grant of Probate.

This process of renunciation of executorship is however, only relevant if a Grant of Probate has not already been issued and if a named executor has not taken any steps to

administer the estate or taken any action that could be interpreted as having accepted the role of executor, for example paying creditors or selling assets of the estate.

If such steps have been taken by a named executor in a will then a Court could compel them to continue in the role of executor.

If a person who renounces the role of executor is the only executor named in a will then an alternative executor will need to be found to administer the deceased estate.

An alternative appointment could be the Public Trustee, a private trustee company or one of the beneficiaries of the estate. If however there are other executors named in the will then the other executors remain eligible to administer the deceased estate.

HELPFUL ADVICE: If a person named as Executor in a Will is unable to act, or does not wish to act, then they can decline to accept the appointment.

Once a person has accepted the role of executor and a Grant of Probate has been issued generally the executorship can only be renounced by making an application to

the Supreme Court and showing that there are valid reasons and that the beneficiaries and creditors would not be disadvantaged by the renunciation.

Disclaimer: The above information is intended as general legal information only for people living in Queensland and is not a substitute for individual legal advice.

Spread your risk for a solid long-term plan I WOULD love a dollar for each time I have been asked: “Should I invest in property or shares?”

And on the basis of past returns, residential property would seem to be the frontrunner, with 20-year average annual returns of 10.2 per cent – the highest of any mainstream asset class.

But that doesn’t necessarily mean bricks and mortar is the right investment for you.

The latest ASX/Russell Long Term Investing Report shows that over the 20 years to December 2017, Australian shares notched up average annual gains (before tax) of 8.8 per cent and international shares (hedged) delivered gains averaging 7.4 per cent.

It goes to show that a decent portfolio of shares, or a well-located property, should both provide decent long-term investment returns.

Bear in mind, past returns can’t be used as a guide for the future. That’s because investment

markets move in cycles.

Already, for instance, we’ve seen property values cooling in Sydney and Melbourne.

That’s why I recommend spreading your risk. If you own shares, think about property, and vice-versa.

The important thing is to do plenty of research, don’t get ripped off by spivs, and use good old common sense.

That is, invest for the long term, and don’t over-borrow. And no, long term is not a week. For me, it is over a decade and preferably longer.

In some years shares will outperform property.

At other times, property will forge ahead.

But our population is growing strongly so over the long term a well-located property should do well, and it is the same for a decent portfolio of shares.

The key is to invest in a way that you feel comfortable with.

I own a home and some investment property, so I have enough exposure

SAVINGS PLAN: The key is to invest in a way that you feel comfortable with. there.

What appeals to me about shares is that I can build a diversified portfolio with a small amount of money.

I also love the liquidity of shares and the fact that I don’t have to take on a major debt to invest.

As an investor, you can hold shares directly or

indirectly through a managed fund.

One of the advantages of using a fund is that it reduces our tendency to overreact to short-term market movements.

We often buy when prices are high and sell in a hurry when they are low – which is exactly the opposite of what we

should do!

The main thing is to stick to a long-term plan.

The ASX report pointed out that an investor who repeatedly switched between investments, chasing the previous year’s top performer, would have been 29 per cent worse off over the past 20 years than if they

Photo: Pogonici

had invested in a balanced managed fund with exposure to all the major asset classes.

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

SENIORS \\AUGUST, 2018

CLASSIFIEDS

45

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

Tributes

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

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.

Be wary if the number in the ad is disconnected.

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

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

More information is available at scamwatch.gov.au

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FINE WORK: Storyland by Catherine McKinnon is a Miles Franklin finalist for 2018.

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Australian life in literary form THE Miles Franklin Literary Award is Australia’s most prestigious literature prize.

Established through the will of My Brilliant Career author Miles Franklin, the prize is awarded each year to a novel which is of the highest literary merit and presents Australian life in any of its phases.

This year you will have a chance to win a collection of selected finalists (to enter, see ad on Page 14) THE MILES FRANKLIN AWARD 2018 FINALISTS ARE: ■ No More Boats by Felicity Castagna (Giramondo Publishing): A man, once a migrant himself, finds his world imploding.

He is forced to retire, his wife and left him, and his children ignore him.

The 2001 Tampa crisis is the background to his despair at the disappearance of the certainties he once knew.

■ The Life To Come by Michelle de Kretser (Allen & Unwin): Revolving around three characters

in Sydney, Paris and Sri Lanka, this novel is about the stories we tell and don’t tell ourselves as individuals, societies and nations, and highlights how the past and future can change the present.

■ The Last Garden by Eva Hornung (Text Publishing): When Matthias Orion shoots his wife and himself, on the same day their son Benedict returns from boarding school, a small religious community is shattered.

Benedict is struck dumb with grief. Their pastor feels his authority challenged by the tragedy.

Both must come to terms with the unknowable past and the frailties of being human.

■ Storyland by Catherine McKinnon (HarperCollins Publishers): Set on Lake Illawarra, this is a compelling novel of five separate narratives which span four centuries.

Ultimately all these characters are connected by blood, history, place and memory: together

they tell the story of Australia.

■ Border Districts by Gerald Murnane (Giramondo Publishing): Similar to the author himself, the narrator of this novel has moved from bustling Melbourne to a small town on the Wimmera Plains, where he intends to spend the last years of his life.

Mediating on fragments of his past, exhaustively and compulsively, Border Districts explores the border land between life and death.

■ Taboo by Kim Scott (Picador Australia – Pan Macmillan Australia): Set in present-day rural Western Australia, this novel tells the story of a group of Noongar people, who after many decades revisit a taboo area: the site of a massacre.

Taboo explores how the Noongar and descendants of the family that initiated the massacre so long ago wrestle with the possibilities of reconciliation.

The winner will be announced on August 26.

SENIORS \\AUGUST, 2018

PUZZLES

JIGGERED

13/8

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 ts in with that letter and write in the letters.

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

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

A B D S S O

R A M A R E

B E R R A I A L

N T N A U E

U W B A I

N A K F I M M

S I M P I N

K S E A P F

O V E M R B S

B C H O O O

O C A R A O

A R

S O C E R C

R O P W K N O

T I O U L

D A W O P C R O E P E E T

TRIO

21

22

23

SUDOKU

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

T U

I R E G N F O

R

I

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

HANGS HE GO MA TENSION JAN LIVES PINK PADRE

E F K E A F A E R

QUICK CROSSWORD

4 LETTERS ABLE AFAR AFRO BEER

8 LETTERS CLAPTRAP HOARSELY QUANDARY SEPARATE

G G E A E S

QUIZ T I E S

6 LETTERS ACUMEN SHREWD

1. In what year did Dreamworld open?

2. What is Sean Connery’s real first name: Bruce, Andrew or Thomas?

3. Of which US state is Boston the capital?

4. What was added to rum to make the drink grog?

5. Who took over as president when Abraham Lincoln was assassinated?

6. In a song, who was “feared by the bad, loved by the good”?

7. What would you do with a snood: tuck your hair in it, cook it or tie plants over it?

8. Which country lies immediately east of Iraq?

A B L E

5 LETTERS AWFUL ESTER HIRER HIRES OCCUR OUNCE PUNTS TENOR

QUIZ

H O A R S E L Y

TONE UNDO WARS WRAP YEAR

O P E N

CADS CAGE CROP DARE EDEN FORE FROM HONE LAVA LIES NOON OPEN ORAL OWES PALE PLUS PROW QUAD RACE RARE RODE ROVE SARI SNUB TIES

R A R E

3 LETTERS EGG EGO ERA FOE GAS GEE HAT LEA LEE NIP OBI OWE OWL PIE ROC ROT TEA YES

F R O M

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.

A W F C U A L D S P H I I E R E R

I

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

M A

WORDFIT

C H O R

C S E D T E U S T U S P P E N O T

Solution opposite

19

B S O M P O I K E D E M E R A R M I A W N N A E E R O W K N

Fit the words into the grid to create a nished crossword

17

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

Good 12 Very Good 15 Excellent 18+

WORDFIT

16

W

H P

15

C H O N A F I M R M A E D A P E P E J A L

570

14

WORD GO ROUND

TODAY

C

13

20

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

C R

12

chic chimp chip chirp choir chomp chop choric coir comic comp corm crimp croci crop ichor micro MICROCHIP ohmic porch rich

O I

11

R

K

M I

10

18

ALPHAGRAMS

WORD GO ROUND

8

9

1. 1981, 2. Thomas, 3.

Massachusetts, 4. Water, 5.

Andrew Johnson, 6. Robin Hood, 7. Tuck your hair in it, 8. Iran.

B

7

Across: 6. Nibble 7. Gemini 10. Concede 11. Inept 12. Upon 13.

In-law 16. Faith 17. Once 20. Meant 21. Timpani 22. Debunk 23. Proper.

Down: 1. Unaccustomed 2. Abandon 3. Alter 4. Revival 5. Dicey 8. Intermediary 9. Reinstate 14. Parting 15. Unhappy 18. Barbs 19. Smirk.

L Y

6

5

JIGGERED

E A N E R T

4

TRIO: NTe

T O A O S C T

3

SUDOKU

R E N G F O M

Down 1. Unused (12) 2. Relinquish (7) 3. Change (5) 4. Reawakening (7) 5. Dangerous (5) 8. Go-between (12) 9. Restore (9) 14. Separation (7) 15. Dejected (7) 18. Insults (5) 19. Scornful smile (5)

2

ALPHAGRAMS

J

L S

E E D A W E L E R S

Across 6. Eat daintily (6) 7. Star sign (6) 10. Acknowledge defeat (7) 11. Incompetent (5) 12. On top of (4) 13. Relative (2-3) 16. Belief (5) 17. Formerly (4) 20. Intended (5) 21. Kettledrum (7) 22. Expose (6) 23. Appropriate (6)

1

GNASH, HOMAGe, INTONeS, JAVeLINS, KIDNAPPeR.

D I S E S E F

QUICK CROSSWORD

47

48

TOOWOOMBA

AUGUST, 2018// SENIORS

D P

N

Y LA

PE

IS

O

H

M

O E

–S

A T

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M

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