Wide Bay, July 2018 by seniors

July, 2018

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Embracing Ageing

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KISS MY ASSETS Author, academic and forthright thinker Susan Mitchell speaks out as SA Ambassador for older women and talks INSIDE about how to make the best of life after 50

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Enjoy our colourful read Gail Forrer Seniors Group Editor

COMMUNITY NEWS CATCHUP

THE GREAT BENEFITS OF MOVING INDEX 3 Cover story - Dr Susan Mitchell 8 Dance for health 10 Community notes 13 Wanderlust 19 Wellbeing 22 Living 23 Money 25 At Home 27 Puzzles

THIS month we bring you a rich and colourful range of stories inclusive of local people through to national personalities with big ideas. A trip to South Australia from our Queensland-based journalist Tracey Johnstone resulted in a story with the indomitable author, journalist and academic Dr Susan Mitchell about her latest role as SA Ambassador for Mature Women. Tracey’s story features Dr Mitchell’s powerful thoughts on the importance of changing the outdated lens contemporary, mature-aged woman are viewed through. Last month, I attended the DANscienCE program in Sydney. The program explored dance programs and its ability to contribute to wellness. As program director Liz Lea wrote, “Dance is scientifically proven to benefit health, older people are beginning dance careers at 60. Arts and companies with expert professional legacies are developing new programs for wellness, and wellness is building a new platform of awareness for dance”. Personally, I found the strong and graceful performances together with

scientific and medical opinions, emotionally stirring and capable of opening a whole new dimension to ageing. I hope you enjoy the story on Dance for Parkinson’s Disease. It maybe winter in Australia right now, but there are some places in the world and many close to home, where winter means the sun is simply softer and the ocean a different shade of blue. Our tropical island feature is sure to grab your interest. But good health is ultimately what really matters and we have a host of stories with tips and hints to nudge you along the road of wellbeing. I’m also pleased to present our updated newspaper design and believe our articles featuring health, wealth, happiness and lots of travel sit well within the new-look. I trust you enjoy the read.

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.

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COVER STORY

New role gives voice for mature women Dr Susan Mitchell is speaking out to drive change in how women are seen and heard

Tracey Johnstone SUSAN Mitchell’s role as South Australia’s Mature Women’s Ambassador is a national first and recognises the frightening depth of the crisis for women who have given their all and yet reach their later years with so little left. The media personality and noted author has the job of making visible the many invisible issues around mature women.

There is hope her work will have a national impact. “In the past five years the number of women over 50 facing homelessness has increased by 40 per cent,” Susan said about these women who are struggling to find work. “What we are doing with these women is throwing them on the scrap heap.” Governments must act, Susan declares. “This is a tsunami that is going to happen. There

is going to be a surge of women. With technological change, heaven knows how the employment market is going to fare. We need to have an organised approach to this or these women will be thrown on the scrap heap and just left to die. And that cannot happen.” However, she isn’t seeing a parliament that is leading the management of this change in our community, nor one that truly reflects

SPEAKING OUT: Dr Susan Mitchell, mature women’s champion, author, TV and radio presenter. Photos: Contributed

Australia’s society and the needs of its significant number of over-50 women. “It’s like Sisyphus, who was notorious for rolling the boulder up the hill and then it would roll back,” Susan said. “Then you would push it up again and you would gain a foot every time. It’s how change works, but you have to keep rolling it. But I think we are in the period where it has rolled back on us. “In terms of women, how many of them over 50 are in parliament, for example, and yet how many women over 50 are

in our society?” Susan’s ambassador role is the first of its kind in Australia. It’s been created by the South Australian Government to deal with the largest number of people over 50 on mainland Australia. In there is a “huge cohort” of women who can’t get jobs because of their age and because of discrimination. Susan is hitting the Adelaide corporate streets armed with a deeply researched booklet – Mature Women Can! – and using her high public profile as a television, radio and print

commentator to spruik the message of what organisations can do to turn around the incoming tide which is going to economically challenge all of Australia. Susan is well-equipped for the task. “When I was growing up there were no role models,” Susan said. The child of the ’70s said the best-known woman then was Dame Edna Everage – and she was a bloke. “I thought, we have to start celebrating women of achievement,” she adds. CONTINUED ON PAGE 4

COVER STORY

FROM PAGE 3 So, for the past 35 years, Susan has been championing women’s issues and exceptional women’s stories through her 14 books – among them Anne Summers, Sallyanne Atkinson, Colleen McCullough, Robyn Archer and Margaret Whitlam. There was a 15th book, about Tony Abbott, but that’s another story for another day. Meeting Margaret Whitlam was a moment in time for Susan that stands out from her crowded life. “Highly intelligent and very witty and full of the joy of life,” is how Susan describes her impression of Margaret as she wrote Margaret’s biography. Back in the present, Susan pines for change; a real, tangible end to mature women’s discrimination. “They have the distillation of everything that is good in us,” she said. “Look at what they have lived through, what they have done and what they have experienced. They are being treated like an old tub of yoghurt, left in the back of the fridge well past its use-by date. We must stop thinking like this. We have to make the most of their skills that we have. It’s criminal to treat

JULY, 2018// SENIORS

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Feminist author Susan Mitchell as a child with her father Mitch. anyone like this. I would like to see this change before I kick the bucket.” I’m not exactly sure of Susan’s age. I did ask. “Do you think women should tell their age?” Susan asks me back. “As soon as you tell someone how old you are, they define you by a number rather by your skills, talents and experience.” After several minutes of impassioned, articulate speech on what is clearly a major issue in the battle for respect and recognition of older women, Susan made a powerful case for women not revealing their age. Instead of going on the attack against ageism, Susan said you should stand proud as a mature woman and detail why it is

In the past five years the number of women over 50 facing homelessness has increased by 40 per cent. What we are doing with these women is throwing them on the scrap heap. so important that you are employed as a mature and capable person. List your strengths, be proud and loud about them. “Kiss my assets,” is her call to arms. “When you get that in your head, it’s a way to deal with it, because as soon as I say I am actually 78 or 75 or 68, they have a picture or an immediate almost visceral reaction,” Susan said. “The women I have interviewed said things have been said to them like ‘oh, you are much older than you sound on the phone, your voice is very young’. Well, yes, so is my mind. It’s a bit like when women were defined by marriage. You had to be Mrs and take the

Margaret Whitlam, wife of former Australian prime minister Gough Whitlam, with her biography author Susan Mitchell. Photo: Brodie Campbell man’s name. How ludicrous is that? “Gradually women have said it’s irrelevant if I am married or not. “Or when you were asked what your children were doing while you were at the interview. ‘Well, I tied them to the Hills Hoist and left them with a

bowl of water’. “It’s kind of nobody’s business how old you are.” And the answer to what specifically is her age? That lays grounded into the pavement of the inner-city Adelaide street where we sat. Susan’s 16th non-fiction

book is starting to get its legs. She simply can’t let this women’s “tsunami” become part of Australia’s social and economic history without an intense insight from this outstanding social commentator. “I will write until I drop,” she said.

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Big plans for year ahead

New U3A Qld president hails from Gold Coast Yvonne Gardiner NEWLY-elected U3A Network Queensland state president Gail Bonser realises she’s taken on a huge job and intends to do it to the best of her ability. She’s confident she’ll have the support of all U3A members and, importantly, her husband. Gail is also secretary at U3A Twin Towns. “I first joined U3A Twin Towns in 2006, not long after I retired from work and moved from Perth,” Gail said. “I knew almost no one, other than family members, when we moved here – we came to be closer to our sons and their families – and U3A offered some interesting courses and the opportunity to meet new friends. “I initially enrolled in a French class and a class entitled Women in

History. “Before long I was also attending a literature class, French conversation and was sourcing speakers for a session titled Tea and Talk, which I still lead today. “I became secretary in September 2014. “It has been an exciting time to be part of the committee. We have in recent years embraced new technology, reviewed our administrative practice, worked hard at making the organisation more professional and welcoming, improved the facilities, planted a productive garden and broadened the program.” On a typical day at U3A, one member could choose to learn a new dance, practise a form of gentle martial arts, study a language, paint, draw or do a craft activity, garden, listen to a speaker from another organisation, join in with a literature class or

talk within a group about current affairs. “There is research that shows that people who join U3A are happier, cognitively and socially stimulated and have lower mortality,” Gail said. “U3A was first established in Australia in the early 1970s. “The longest established U3As in Queensland have passed their 30th anniversary and they are firmly entrenched within their communities. “As a peak body we speak on behalf of our member associations and offer them support wherever we can. “We also seek to raise awareness of U3A at state and local government level and within the community and to support the establishment of new U3A associations.” Gail said she’s lucky to have a talented and experienced committee whose assistance she can draw on.

CONFIDENT: As incoming president of the U3A Network Queensland, Gail Bonser guides the destiny of 33 member associations. Photo: Yvonne Gardiner

The future looks bright with solar AUSTRALIA’S household electricity bills have doubled in the last five years, so it’s no secret that more and more Australians are making the switch to solar in a bid to drastically reduce their electricity bills. In fact, one in four homes are now drawing some of their power needs free from the sun. The latest Renewable Energy Index figures report more than 8,500 homes across Qld and NSW installed solar in the month of February, delivering cumulative savings of $100 million dollars in power bill reduction over the next ten years. Isn’t it time you got on board? SAE Group have yet another compelling offer that will make the switch easy for you. This 5.5kW solar bundle comprised of the 5kW X1 Boost Solax inverter, and 20 x 275watt Luxen panels, is a highly efficient system designed to drastically reduce your household electricity bill for many years to come. The Solax X1 is a reliable, efficient inverter featuring fanless technology ensuring the inverter is quietly converting your solar energy to DC power for your home, and is backed by a 5-year product warranty. The Solax inverter also has the option to add smart plug and play, enabling remote control operation and monitoring, giving users even more control over their energy consumption. Complementing the Solax inverter are 20 x 275-watt Luxen panels, backed by a 10-year product warranty rounding out a high-quality system that is designed to withstand the harshest of Australian climates. The team at SAE Group are Master Electricians first and foremost, and also a Clean Energy Council Approved Retailer, so you can rest easy knowing you’re dealing with highly experienced, qualified staff. From consultation, to quality installation, and after sales service, they are with you the whole way, and offer a 12-year workmanship warranty with every installation. If you’re interested in securing your energy future, or looking for a solution that will protect you from crippling electricity prices, call SAE Group 1300 18 20 50 or jump on their website www.saegroup.com.au, to take advantage of this offer before it runs out.

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Your health is in your hands WHETHER in vibrant or poor health, older Australians are among the major beneficiaries of the My Health Record which will be available to every Australian with a Medicare or Department of Veteran Affairs card by the end of 2018, unless they choose to opt out. July 16 marks the beginning of the opt out period where seniors join the rest of Australia in deciding whether they would like My Health Record created for them. My Health Record is an individual’s safe and secure digital health information, easily accessible by healthcare providers involved in a person’s care including GPs, pharmacists and hospitals. A convenient way to keep track of key health information including medical conditions, medications, allergies and advance care plans, the record provides many benefits to consumers. These include reduced duplication of tests, better co-ordination of

care for people with chronic and complex conditions, and better informed treatment decisions. More active seniors can also benefit if they travel from town to town. Ray and Lorraine Gardner have travelled vast distances through rugged terrain in Australia. Between them, they have a range of chronic health conditions – diabetes, melanoma, a back fusion, nerve operation and a penicillin allergy. Being prepared and having access to health records is invaluable. They signed up for My Health Record in 2012 as they were setting off in their motorhome for the first time. "Before setting off, we check our motorhome for mechanical issues, top up our food and water supplies, and check to see if our My Health Record is up-to-date," said Ray Gardner, 71. Their local GP Dr Michael Crampton often

adds information to their My Health Records to help GPs or healthcare people in other states. "Dr Crampton is a fabulous GP but we can’t take him with us,” Ray said. “My Health Record means he is never far away.” "You don’t need to worry about remembering your health history when you visit different GPs", said Lorraine Gardner, 71. "Our health history travels with us. It gives us peace of mind." Many seniors are using My Health Record to manage prescriptions and list their allergies. Summaries of medical conditions as well as pathology and diagnostic imaging reports are viewable in My Health Record helping to managing conditions over time and provide where and when tests have previously taken place. Individuals can choose to opt out from July 16 to October 16. For more, go to myhealthrecord.gov.au or phone the helpline on 1800 723 471.

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BEAUTY AND BALANCE: Offbeat dance group in Canberra perform the Dance for Parkinson’s Disease concept.

Photo: Lorna Sim Photography

Moving mind and muscle Gail Forrer IT’S a coupling of opposites – dance and disease merging to nourish the body and soul: contemporary dance that strives to connect the mind and body through fluid dance movements, while on the other hand Parkinson’s disease damages nerve cells in a region of the brain vital for

the smooth control of muscles and movement. Ironically, it is the synergy between these opposites that holds the flames to produce a dynamic ball of healing energy. Last month, dancers, doctors, scientists and dance teachers gathered to share scientific evidence to support the known therapeutic benefits of dance at the

Riverside Theatre in Parramatta, Sydney. But showing is often more powerful than telling, and in this case Canberra-based dance troupe Offbeat, a group of older people living with Parkinson’s disease and coached under the Dance for Parkinson’s Disease concept, proved the efficacy of dance to stimulate both muscles and mind in their ‘I used

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to run marathons’ performance, choreographed by Jane Ingall and Philip Piggin with the dancers. The aesthetic beauty of this spellbinding performance, danced to the Chariots of Fire theme music, pushed boundaries with quiet, expansive and intricate movements. On its conclusion, the powerful expression ensured there wasn’t a dry eye in an audience of more than 200 people. The story of Dance for Parkinson’s Disease started as a single collaborative program between the Mark Morris Dance Group and the Brooklyn Parkinson’s Group in 2001, but it wasn’t until 2012 it arrived in Australia through a performance in Brisbane at the National Parkinson’s Conference. Since then, Dr Erica Rose Jeffery, director for Dance for Parkinson’s Australia, has worked with the dance and Parkinson’s communities to share the joys of dance. In the past 17 years,

Dance for Parkinson’s has pioneered an arts-based approach that is being adopted by dance companies and schools, Parkinson’s groups and healthcare organisations in more than 60 communities around the world. The concept sees participants encouraged to approach movement like dancers rather than as patients. The teachers, professional dancers with many years of experience, know all about stretching and strengthening muscles, and work every day with issues of balance and rhythm. Most importantly, dancers know how to use thoughts, imagination, eyes, ears and touch to control their movement. Teachers also encourage participants to use images, narrative and musical input to hone control over how they express themselves physically. The Offbeat dance group commenced in 2013 in the ACT. It developed in response to the dance program specifically

designed for People with Parkinson’s, and the inspirational leadership of Erica Rose Jeffrey in Australia, and David Leventhal in Brooklyn, US. The program is presented by Parkinson’s ACT, with Belconnen Arts Centre and Tuggeranong Arts Centre, and is presently funded by a three-year grant from ACT Health. ■ Research was carried out at Queensland University of Technology to assess the effect of dance on gait and dual-tasking in Parkinson’s disease. Dance for Parkinson’s classes, based on the Dance for Parkinson’s Disease model, were conducted by trained instructors from the Queensland Ballet. Preliminary analysis indicates that dance has improved gait, speed during normal and dual-tasking, with enhancement in emotional well-being and quality of life. For more, go to: belconnenarts centre.com.au/adults classesoffbeat.

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Community notes

Community group guide

Members of the Hervey Bay and Maryborough Multiple Sclerosis Support Group. Photos: Contributed

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@seniors newspaper.com.au.

VIEW CLUBS

Fraser Coast WE’RE having a lunch at Goodies, Toogoom on Wednesday, July 18 at noon. Guests are very welcome. Funds raised will support the Smith Family and the VIEW mission Voice, Interests and Education of Women. We would like to invite members of the public to come along to our luncheon meeting on Thursday, August 2 at 11.30am at the Clubhouse, Old Maryborough Road and Tooth Street. We are dressing up in our best that day for our theme of “Derby Day”! A guest speaker will entertain after the meal. To join us, or for more information, phone Dianne on 0409 270 712, by July 30. Hervey Bay THE Hervey Bay View Club (Voice, Interest, and Education of Woman) meetings and luncheon are always the second Monday of each month at the clubhouse, Tooth Street, Pialba from 10.30am and usually includes a guest speaker. Monthly socials are on the fourth Monday at various venues from 9.30am. Our club continues to grow with new members joining on a regular basis to enjoy the

friendship and fun that we offer all our members. Our June guest speaker was lovely 84-year-old Dawn Reed who told her life story of being a nurse, midwife and flight nurse, delivering hundreds of babies and now travelling the globe completing her ‘bucket list’. Assistant treasurer Glenda Reinke won the beautiful Tree of Life cushion made and donated to us to raffle by Zone Councillor Jean Jennings. Our club’s focus is to continually raise funds for the Smith Family to support our Learning for Life Student. New or interested ladies are always welcome to join our friendly club. Phone Mary on 4128 3908 or email herveybay.viewclub95 @gmail.com.

FREE SUPPORT SERVICE FOR SENIORS

THE Seniors Legal and Support Service is a community service providing free legal advice and support for seniors 60 years and over, who are experiencing or at risk of elder abuse, mistreatment or financial exploitation. The service can provide information, advice and support including: Short term counselling / advocacy; Information on your legal

EDUCATIONAL GIFT: Fraser Coast VIEW Club president and vice president visited Gundiah State School to present a donation which will further the educational opportunities of the 30 students at the school. rights; Advice on Enduring Power of Attorney documents; Referrals to other support, legal and consumer services; Community education. For more phone 4124 6863 or call into their office situated at Shop 6, 16 Torquay Road, Hervey Bay (opp RSL) – Monday to Friday 9am to 3pm.

HARVEY BAY GARDEN CLUB INC

ON AUGUST 9 there will be a 40th birthday celebration and AGM at Kondari with lunch in the function room. There will be no guest speaker at the birthday celebration and election of officers for 2019. This luncheon will only cost financial members $15 as the Garden Club will subsidise the balance. Events on the day are being planned to make it as interesting and entertaining as possible. There will be some reminiscing and some surprises. If you have some suggestions, please speak to Debbie, Franci or Julie. Our next club meeting at the Hervey Bay Community Centre, Charles Street Pialba at

9am for 9.30am will be on September 13, October 11 and November 8. Please bring along any healthy potted plants or excess vegies or fruit to donate to our plant stall. There will be our usual lucky door prize, multi draw raffle, library and $2 morning tea supplied by the Comfort Kitchen. ( Bring your own cup or mug for the morning tea). President: Debbie Kruger 4128 6026 Secretary: Julie Nash 4125 2918 and Trip Organiser: Gail Barlow 4128 7129.

BUNDABERG DISTRICT MIXED PROBUS CLUB

WE MEET on the third Thursday of each month at the Bowls Club George Street West Bundaberg. We would love to see you about 9.15am, our happy meeting starts at 9.30am with a guest speaker, morning tea wonderful friendship, and hear the program for the next few months such as morning teas, lunches and great day trips at a price to suit all or perhaps you would like to join our book club information phone Shirley on 4151 4264.

Hervey Bay VIEW Club member Glenda Reinke with the Tree of Life cushion made by Zone Councillor Jean Jennings.

MULTIPLE SCLEROSIS SUPPORT GROUP

THE Hervey Bay and Maryborough Multiple Sclerosis Support Group meets on the first Friday of each month on the Deck at the Hervey Bay RSL at 10 am for a coffee and a chat. Our monthly meetings have been well attended and, with new or recently diagnosed members joining, it is therapeutic to share your personal problems with others who understand and share your concerns. Sadly, we have lost our Bundaberg Regional Services co-ordinator, but Matthew will fill the position from mid-July and he comes with a good supportive background and is well versed in the NDIS. We welcome anyone with MS. Those who are newly diagnosed are most welcome to sit in on a meeting and discuss their own situation and ask

questions. Phone Bev on 4128 2692 or by email bev_cornwell@hotmail .com.

PROBUS CLUB OF HERVEY BAY

THE Mixed Probus Club of Hervey Bay City Inc meets on Thursday, July 26, at 9.15am for a 9.30am start, upstairs at the Boat Club. There is a lift for those who prefer and friendly greeters to make you feel welcome. Come and meet new friends in an uplifting environment. Kathy Shivlock, information services librarian from the Fraser Coast Libraries will be the guest speaker, talking about library resources. You may like to join us for lunch after the meeting so be sure to put your name on the list at the desk in the front. You will also hear about the Funfest that Mixed Probus are hosting in August here in Hervey Bay. For inquiries, phone Judith on 0458 008 087.

It’s time to book for the annual fundraiser lunch

FUNDRAISERS: Members of the local branch of Cancer Council Qld helping out at the Annual Cancer Luncheon with Lyn Nielsen from Quota International of Maryborough.

BOOKINGS are now been taken for the popular Annual Cancer Luncheon, which will be held at the Hibiscus Room, Carriers Arms Hotel on Tuesday 14th August 2018. Doors will open at 10.30am, with a hot lunch followed by dessert served at approximately 12 noon. "This iconic event has been conducted annually for over 23 years, and raises much needed funds for the Queensland Cancer Council " Quota International of Maryborough member Lyn

‘‘

Entertainment will be provided by the Muso’s Ukulele group. Nielsen said. "Originally this event was conducted by ESA Ladies Service Club. Later the local branch of the Cancer Council

carried on and for the past three years Quota has organized the occasion." Entertainment will be provided by the Muso’s Ukulele group. A raffle and mini tombola will also be held. Pre-paid tickets are a must for catering purposes and seating. Bookings can be made at Anne’s Irresistible Lingerie, Kent Street, Maryborough. The cost is $27 per person.

SENIORS \\JULY, 2018

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Easy Care

NUTRITIOUS MEALS PREPARED DAILY

Welcome to a friendly community that offers a range of Blue Care services, including assistance with housework, showering, dressing, medical management, transport and allied health services. Your apartment also has a 24 hour emergency response system for extra peace of mind.

CLEANING AND LINEN SERVICE

Easy Living Apartments located centrally within the village provide easy access to resort style facilities and services including community centre, bar and dining facilities, indoor bowls and billiards, auditorium with dance floor, pool and spa, bbq area, hair salon, hobby room, library, RV, caravan and boat storage.

EXTRA IN-HOUSE SERVICES AVAILABLE

BLUE CARE HELP AT HOME SERVICES

TO BOOK AN INSPECTION CALL 07 4191 9115

*Price valid for typical 1 bedroom apartment at time of print.

Visit 90 Twyford Street, Avoca • Phone 07 4191 9115 Email info@ArgyleGardensBundaberg.com.au • www.ArgyleGardensBundaberg.com.au

JULY, 2018// SENIORS

Buying now Mike Cornish & Bryan Hunsberger will be on the Fraser Coast, Noosa Area, and Gold Coast from Monday, July 30 for 5 days only and are wanting to buy your unwanted items as pictured and listed below. Please visit us at one of the venues shown at the bottom of the page for an on the spot appraisal. If you live outside the area or have too many items to bring in phone 0401 379 401 NOW to arrange a time for the buyers to visit at your home. Fully licensed Antique, Numismatic and Precious Metal buyers with over 35 years industry experience. These events are often compared to the ‘Antiques Roadshow’ on TV. Don’t miss this opportunity!

Gold Coins

Old Gold Jewellery

• Australian $200 Gold Coins • Sovereigns • Half Sovereigns • World proof coins and sets • Commemorative Coins • All other world Gold Coins • Gold coins: mounted, holed or worn • Gold medals & Fobs

• Worn Jewellery • Broken Jewellery • Gold Chains • Gold Rings • Gold Bracelets • Bullion Bars • Dental, Nuggets • Alluvial Gold • Broken necklaces & earrings

• Australia dated before 1965 -Crowns, Florins,

• Rings, Brooches • Pendants, Sovereign Cases • Watch Chains, Lockets • Gold Cuff Links • Bracelets & Bangles • Any Asian Gold • Jade

Banknotes

Silver

Silver Coins

Jewellery

• Sterling items only • Tea Sets, Cutlery • Trays & Baskets • Cigarette & Card Cases • Trophy Cups • Jugs & Mugs • No EPNS or EP or A1 (If you’re unsure we’re happy to advise you)

• World Notes • Uncirculated Decimal • All Pre-Decimal • Error & Misprint Notes • Private & Trading Bank Issues • Specimen & Cancelled Notes • War Related Issues • Early Postal Notes • Star Notes

Watches

Military Medals

Shillings, Sixpences, Threepences • 1966 50 Cent Rounds • South Africa, USA & Canada dated before 1965 • NZ, Great Britain & Fiji dated before 1947 • New Guinea shillings • Misc Silver Coins • All other world silver coins

• Roles, Omega • IWC, Tudor • Breitling etc • Gold & Silver Pocket • Military Pocket • Diamond Cocktail • No Quartz (battery) Watches

• World Military Medals • Orders & Decorations • Stars & Crosses • Bravery • Long Services • Groups & Accumulation • Collections

World Coins • World coins prior to 1950 • Collection & Accumulation • Error & Mis-strikes • Proof sets & Singles • Trade Tokens • Communion Tokens • Discount & Special Purpose Tokens

Sunday 29 July HERVEY BAY & MARYBOROUGH AREA Home Visits 4pm to 7pm Phone 0401 379 401 For a home visit

CASH PAID

No need to sort or clean coins, we can sort them quickly

Monday 30 July

Tuesday 31 July

Wednesday 1 August

PIALBA 8:30am to 10:30am Hervey Bay Community Centre 22 Charles Street, Pialba HERVEY BAY 11am to 1pm Hervey Bay Boat Club Buccaneer Drive, Urangan URANGAN 1:30pm to 3:30pm Urangan Bowls Club Margaret St & Dayman St HOME VISITS HERVEY BAY AREA 4pm to 6pm Phone 0401 379 401 For a home visit

MARYBOROUGH 8:30am to 11am Brolga Theatre 5 Walker Street MARYBOROUGH 11:30am to 1:30pm Maryborough Motel & Conference Centre 298 Walker Street MARYBOROUGH 2pm to 4pm Maryborough Bowls Club 506 Kent Street HOME VISITS MARYBOROUGH AREA 4:30pm to 6pm Phone 0401 379 401 For a home visit

TEWANTIN 8:30am to 10:30am Noosa RSL – CWA Hall 1 Memorial Ave NOOSA HEADS 11am to 1pm The J Noosa 60 Noosa Drive NOOSAVILLE 1:30pm to 3:30pm Noosa Leisure Centre (The Lounge Room) 9 Wallace Drive HOME VISITS SUNSHINE COAST AREA 4pm to 6pm Phone 0401 379 401 For a home visit

Thursday 2 August

Friday 3 August

SOUTHPORT 8:30am to 10:30am Southport Sharks Cnr Musgrave & Olsen Ave NERANG 11am to 1pm Nerang RSL 69 Nerang Street BURLEIGH WATERS 2pm to 4pm Burleigh Waters Community Centre 131 Christine Ave HOME VISITS GOLD COAST AREA 4:30pm to 6pm Phone 0401 379 401 For a home visit

PARADISE POINT 8am to 10am Paradise Pt Community Centre Community Lane RUNAWAY BAY 10:30am to 12:30pm Runaway Bay Tavern 516 Lae Drive SOUTHPORT 1:30 to 3:30pm RSL Club Southport 36 Scarborough Street HOME VISITS GOLD COAST AREA 4pm to 6pm Phone 0401 379 401 For a home visit 6825941aa

SENIORS \\JULY, 2018

ESCAPE TO

island paradise Six tropical isles to keep your spirits warm PAGES 24 & 25

1800 072 535 15 DAY OPALS, SILVER CITY & PROUD MARY

Departs: 07/09/18

• Two Nights Proud Mary • PV Jandra Cruise, Darling River • Back O’Bourke Exhibition Centre • Brewarrina Fish Traps Tour • Chambers of the Black Hand • Lightning Ridge • Trilby Station • White Cliffs Guided Tour • Back O’Bourke Exhibition Cnt • Silverton & Broken Hill Adult: $5398 Single Supplement: $1417

DOWN UNDER COACH TOURS

11 DAY FLORIADE & BEAUTIFUL BATEMANS BAY

Departs: 01/10/18

• 3 Nights Canberra • 2 Nights Batemans Bay • Cowra Japanese Gardens • Parliament House Tour • Australian War Memorial & Last Post • Canberra Sightseeing • Braidwood Guided Tour • Mogo Zoo • Batemans Bay Cruise • Wray Street Oyster Shed Adult: $3798 Single Supplement: $965

10 DAY MUDGEE CHRISMAS CAPERS Departs: 18/12/18

• 4 Nights Mudgee • 2 Nights Young • Poppa’s Fudge & Jam Factory • Western Plains Cultural Centre • McFeeters Motor Museum • Ballinclash Orchard • Bluestill Distillery • Lambing Flat Folk Museum • Mudgee Winery Tour • Mudgee Yabbi Farm Tour Adult: $3698 Single Supplement: $642

9 DAY CANBERRA BALLOON FESTIVAL Departs: 10/03/19

• 2 Nights Canberra • Pillaga Pottery • Canberra Sightseeing • Darling Harbour Lunch Cruise • Dubbo Zoo Adult: $tba Single Supplement: $tba

12 DAY BIRDSVILLE & CARNARVON GORGE

Departs: 11/05/19

• 2 Nights Carnarvon Gorge • Birdsville Pub & Big Red • Min Min Encounter • Longreach Sightseeing • Arcadia Valley Escape Adult: $tba Single Supplement: $tba

15 DAY ALPINE AUTUMN EGGSTRAVAGANZA

2019 Brochure Ou September

Departs: 19/04/19

• Nundle Woollen Mill • Illawarra Fly Tree Top Walk • Kiama Blowhole • Kosciuszko NP • Macenmist Truffles Adult: $tba Single Supplement: $tba

11 DAY ISLANDS IN THE SUN Departs: 07/06/19

• 1770 LARC Tour • Footlights Theatre Restaurant • Whitsunday Cruise • Magnetic Island Tour • Reef HQ Townsville Adult: $tba Single Supplement: $tba

I am interested in receiving your 2018 / 19 Coach Touring Brochure. Please add me to your mailing list: Name: _____________________ Address: ____________________ __________________________ P/code:______Ph: ____________ Email: _____________________ Send to: Down Under Coach Tours, PO Box 149, Maryborough Q 4650

SPECIALISING IN SENIOR’S TRAVEL  COMPLIMENTARY DOOR TO DOOR SERVICE (Area Conditions Apply)  FULLY ACCOMMODATED TOURS Down Under Coach Tours, PO Box 149, Maryborough Q 4650  info@downundercoachtours.com.au  www.downundercoachtours.com.au  www.facebook.com/downundercoachtours

JULY, 2018// SENIORS

‘‘

Take time out to breath in the pure air of a pristine tropical island and totally rejuvenate

WINTER WARMTH: Kempinski Seychelles Resort, a tranquil winter hideaway in the Seychelles.

Photo: Tomas Alonso Salvado

Travel: Be dazzled by RUGGED adventure, soft beds, peaceful evenings, lively experiences: the choice is yours to make from any one of these islands in the sun that are waiting for you to discover.

BEDARRA ISLAND, AUSTRALIA

Your island delights may include moonlit meals, free diving, fishing, a view of dolphins and turtles or simply just star-gazing

IT’S the most perfect place to hide away from all the stresses of life, to chill out in warmth and warm up in luxury. Located 10km off Mission Beach in tropical north Queensland, access to the island is via the daily fast boat or by helicopter from Cairns. On the island are 10 villas in among the 45ha of tropical rainforest with a front yard view of the sublime views over the turquoise waters of the Great Barrier Reef. The open terrace restaurant, bar and lounge are the heart and soul of Bedarra, where the maximum of 20 guests meet to indulge in a delicious and ever-changing menu which changes daily, or at the open bar. A candlelit dinner for two on your own private beach, a gourmet hamper

and your own dinghy for a romantic picnic on one of the nearby deserted islands or the entire resort with a group of friends, all is possible. For the more active guests there are sea kayaks, stand-up paddle boards, snorkelling, fishing, tennis and self-guided interactive walks through the verdant rainforest. For adventurers there is outer Great Barrier Reef snorkelling or SCUBA trips as well as deep sea fishing charters.

For more information, go to: bedarra.com.au.

MERGUI ISLANDS, MYANMAR

THE Andaman Sea archipelago, which is located off the far south coast of Myanmar, is comprised of 800 hundred islands that have coral reefs and beaches. It offers opportunities for exploration and diving among spectacular marine life and untouched coral reefs. Access to the area is usually with a tour group. It’s not just the scenery which makes the Myeik

Archipelago such a fascinating place to visit: its indigenous inhabitants, the Moken people, also known as the Salone or sea gypsies, are one of the most distinct of Myanmar’s many ethnic groups, living a nomadic, seabased life here. They are the masters of free diving, being able to focus their vision underwater and hold their breath far longer than most other humans can. There are three places to choose from that have good accommodation – MacLeod Island with its 22 bungalow Myanmar Andaman Resort which boasts outdoor activities including CMAS certified dive centre, snorkelling, island hopping tours, sea kayaking, hiking the island’s peak, swimming in the bay and traditional massage to bring an adventurous day to a close; the nearby Nyaung Oo Phee Resort, with luxury tent-style lodging; and the further out, the Boulder Bay Eco Resort on Boulder Island. They are open October to the end of April. It is also possible to do day trips to the archipela-

go from Kawthaung and from the town of Myeik as well as multi-day trips with overnight camping on the islands. For more information, go to: go-myanmar.com/ the-myeik-archipelago.

MACKEREL ISLANDS, AUSTRALIA

This is the place to reconnect with your true nature at the stunning Mackerel Islands which are a two-hour flight and boat transfer from Perth. Only two of the 10 pristine islands and atolls scattered across 22 miles off the coast of Onslow welcome guests – Direction Island and Thevenard Island. You can go completely wilderness and rent the sole beach shack on Direction Island, or stay connected on Thevenard Island in a choice of beachfront cabins and club village accommodation. If you are already in Onslow in the Pilbara region, you can take a 20 minute boat ride day trip out to the islands. Soak up the fishing,

diving, snorkelling, swimming, boating, nature watching and relaxation in protected, calm waters and watch sea turtles haul themselves up the beach to lay eggs, glimpse dolphins and whales playing in the bluegreen waters, admire the kaleidoscope of colourful fish, crabs and stingrays among the coral reefs while you snorkel, or wrestle in the catch of your life from the Pilbara’s fishiest waters. As the sun goes down and the night sky lights up with a dusting of silver, you can simply stargaze in awe and breathe in the quietness. This is the amazing, off the beaten track experience. For more information, go to: mackerelislands.com.au.

COCOS KEELING ISLANDS

They are Australia’s last unspoilt paradise, lying in the azure waters of the Indian Ocean and offering spectacular snorkelling, world-class diving, excellent fishing and the adrenalin-rush of kitesurfing.

SENIORS \\JULY, 2018

Myanmar Andaman Resort on MacLeod Island.

SUN ISLANDS: Mackerel Islands, West Australia.

Boulder Bay Eco Resort, Myanmar.

Cocos Keeling Islands.

Mackerel Islands, West Australia.

beauty of tropical isles You can relax on empty beaches, visit uninhabited islands by canoe, watch spectacular birdlife or catch the ferry to Home Island to stay at the original Clunies-Ross residence and discover the culture and traditions of the Cocos Malay people. Located 2750km northwest of Perth, the Cocos Keeling Islands are a group of 27 coral islands that form two atolls. Only two of are inhabited. Virgin Australia flies twice weekly to the CKI from Perth. There are eight accommodation places to chose from between West Island and CKI. Hire a car and go adventuring, play golf, learn Malay cooking, practice your wildlife photography with a local expert, experience a motorised canoe tour and a whole lot more while you drift along enjoying year-long warm days and balmy nights. For more information, go to: cocoskeeling islands.com.au.

SEYCHELLES

Located in the western Indian Ocean off the east coast of Africa, the Seychelles are made up of 115 granite and coral islands which extend from between four and 10 degrees south of the equator. The climate is always warm with the temperature rarely dropping below 24°C or rising above 32°C. Fifteen of these islands, each with its own particular geography, character and history, have some form of accommodation. There are affordable, new and refurbished hotels, self-catering and charming Creole guesthouses joining the ranks of existing five-star hotels and exclusive resorts. There are four main islands – Mahé, Praslin, La Digue and Silhouette – with ferry services, domestic flights and helicopter transfers available on a daily basis. The capital Victoria on Mahé has the National History Museum which is tiny, but full of information on music, local customs and superstitions and, of

SUN ISLANDS: The giant tortoises of the Seychelles Islands.

Photo: Torsten Dickmann / Facebook

course, the prized national plant coco de mer. The Seychelles are renowned for their diversity: for their multi-ethnicity, culture, flora and fauna. They offer lots of experiences – fishing, sailing and cruising, diving and snorkelling, spa retreats, island-hopping, golf and trekking. The islands’ geography includes lofty, cloud-covered, mist forests that are home to ferns and other moisture-loving species,

through lower woodlands with their variety of palms, right down to a shoreline fringed in some places by mangroves and their associated ecosystems. For more information, go to: seychelles.travel/en.

LOMBOK, INDONESIA

The 80km wide island is located between Bali and Sumbawa in eastern Indonesia. Its capital is Mataram.

Lying just eight degrees below the equator, the climate is a very pleasant 21°C to 33°C. The best time to travel there is during its dry season of May to October. Lombok is dominated by 3762m Mount Rinjani. The island centre has rich alluvial plains and fields irrigated by water flowing from the mountains. There are various vegetation and animals that are found in Australia because this Island is like

a line that divides Asian and Australian flora and fauna. The natural beauty of the island is beguiling. You can stretch the legs on amazing walks and mountain hikes, surf, dive, snorkel, horse cart riding, cooking classes, cycling, learn to weave, immerse yourself in the many cultures of the islands, and shop for stunning pearls. Some of the attractions that should be on your list are Senggigi beach, Gili Air, Cakranegara, Mount Rinjani, Gili Trawangan, Lombok Kuta Beach, Narmada Park and Mayura Park. The diving is not to be missed with the underwater life of Lombok incredibly beautiful. Surfers also come to Lombok, especially South Lombok. There are simply numerous choices of resort, luxurious and affordable hotels dotted across the island. You can choose from several airlines that fly Australia to Lombok with one stop on the way. For more details, go to: lombok-tourism.com.

JULY, 2018// SENIORS

Wine, dine across Victoria HERE’S a mouth-watering opportunity too delicious to miss. You are invited to join in a delectable tour to experience the sight, sounds and cuisine of Australia’s food capital on Go See Touring’s escorted tour to Melbourne. Christine Perkin, a long-time local and wine and food aficionado, will host the tour and take you to her favourite restaurants and wineries in and around Melbourne for eight decadent days. You will experience Neil Perry’s Spice Temple for dinner at the Crown Casino, lunch at Shannon Bennet’s Jardin Tan in the stunning Royal Botanical Gardens, take a Le Cucina di Sandra cooking class and enjoy an Italian cooking and eating experience, see the magnificent old-world Windsor Hotel for afternoon tea and the amazing Tram Car Restaurant, and visit the iconic Queen Victoria Market. The trip takes in the picturesque Yarra Valley where you will experience quality food and wine and breathtaking scenery. Visit the Yarra Chocolaterie for chocolate and ice cream tastings and the beautiful Chandon winery where a tour and bubbles tasting is a must. Guests will also visit Yering Station for a fabulous modern French lunch and indulge in a wine tasting session at the historic Coombe Yarra Valley Estate, once owned by Dame Nellie Melba.

TANTALISING TOUR: Enjoy some bubbles at the beautiful Chandon winery in Victoria’s famed Yarra Valley. You will also get the chance to explore the beautiful seaside area of the Mornington Peninsula where you will experience more gourmet delights and boutique wineries. Next is the Montalto Winery and Olive Grove for lunch and a wander through the sculpture garden. Tuck into breakfast and bubbles at the Woodman Estate, experience Arthurs Seat gondola and fly over the state forest and take in the breathtaking views of the peninsula, then visit a Main Ridge goat farm. The tour would not be complete without a classic paddock to plate

for morning tea. All these amazing food and wine experiences, including accommodation, return economy airfares from Brisbane, coach and coach captain, seven breakfasts, one morning tea, one afternoon tea, three lunches, four dinners, all touring and meals admissions as per the itinerary is only $3480 per person, twin share (single supplement $698). Indulge at some exquisite restaurants and wineries in Victoria over eight delicious and decadent days. Photo: iStock experience at the Linenderry Winery’s famed Linden Tree

Restaurant for a delicious dinner with paired wines. On the last day, you will

visit Cruden Farm, the much-loved home of Dame Elisabeth Murdoch,

For more information on this Mouth-Watering Melbourne Tour, phone 1300 551 997 or 3868 4760, or email info@goseetouring.com or go to goseetouring.com.

Try a natural escape with glamping camp luxury Yvonne Gardiner FOR anyone who loves to be surrounded by nature and open spaces on a trip away, while enjoying the comforts of home, ‘glamping’ is the way to go. Sydneysiders escaping the hustle and bustle of city living have found the perfect getaway in the Mudgee region, about four hours drive northwest of the metropolis. Cam and Tasch D’Arcy discovered the beauty of Mudgee more than four years ago and invested for the first time in the tourism industry. “We love going to wine regions, so we went and checked it out,” Cam said. “It’s got a lot of wineries, cafes and restaurants, and is kind of

a farming township. “It is a beautiful region, the people are so warm and friendly. “We got married out here and thought it’d be great to own property here.” Initially they bought Abingdon House, a well-appointed four bedroom holiday home on a scenic 10ha property only nine minutes drive to the centre of Mudgee, which they still own. Then 18 months ago they ventured into ‘glamping’ on a 113ha property, a mixture of bush and farmland, with one luxury tent as tourist accommodation. “There’s plenty of room to explore,” Cam said. “It’s for those people who normally wouldn’t go camping but want to be with nature.

“The business is going great and we’re still very heavily booked. “Most of the people are from Sydney and 90 per cent of our guests are Australians.” Activities on offer at Sierra Escape include bush tucker tasting and cooking, helicopter charter flights around the region, wine tours, plenty of walks and, less energetically, building a campfire and sitting on the deck enjoying the views. The D’Arcys have recently added two new ‘eco-lodgings’ at Sierra Escape, which are solar powered and take the idyllic glamping experience up a level. Each tent is positioned discreetly away from the other, perched high on the rolling hills of Sierra with

LUXURY TENTS: The Sierra Escape property near Mudgee, central west NSW, offers fabulous views and the highest comfort level. Photo: Contributed large beds, inviting panoramic views and large windows – perfect for watching sunrises, sunsets and starry nights. The so-called Dulili tent sleeps up to seven, while a perfect romantic getaway can be had in the Uralla tent, which features

an outdoor free-standing bathtub. “Both Tasch and I work in the hectic commercial world. I run a film company, which means long hours and there’s always a lot going on, so Mudgee provides the opportunity to relax,

unplug and enjoy the best of what life has to offer,” Cam said. Their property offers solitude with undulating hills, wildlife, creeks and spectacular views, situated just 20 minutes from town and in the heart of the central-west wine region of NSW. “We wanted people, in particular city-dwellers, to experience Mudgee in luxury while still being close to nature,” Tasch said. “Importantly, we wanted to do something with a minimal footprint out of our respect for the land. “Even those who hate the idea of camping love this unique, off-the-grid experience.” To find out more information about Sierra Escape, go to sierraescape.com.au.

SENIORS \\JULY, 2018

Gunlom Falls, Kakadu.

Photo: David Kirkland

‘‘

What started as a wild idea over a beer with a mate ... had become reality ROAD TIP: Northern Territory’s red, red dusty desert.

Photo: Steve Strike

Mates rates on open road Andrew Mevissen TURNING off your car ignition is not usually a big deal, but at the end of an epic road trip across Australia, arriving back in your home driveway becomes a poignant moment of reflection. What started as a wild idea over a beer with a mate – to escape our busy, domestic lives for two weeks and roam the outback – had become reality and now it was over. While many just talk and dream about the great Australian road trip, we did it – a daunting drive from our homes in Mittagong, south of Sydney, all the way to the

top of Kakadu (and back). All up, 8600km in 15 days. Day one of our daring adventure began with a restful bush camp beside the Murray at Robinvale before we pushed northwest through Renmark, Burra, Port Augusta and Cooper Pedy along the seemingly endless, black belt which connects Australia’s top and bottom – the Stuart Highway. The lure of the open road and the big horizons of the outback was compelling. Two mates in their 40s and 50s chasing freedom and adventure on a ‘boy’s trip’ across the continent. We played music

(loudly), solved world problems, shared life stories, laughed till it hurt, daydreamed out the window, ate too many roadhouse meals, slapped together sausage camp dinners in world record time, toasted sunsets over campfires and stayed in some dodgy motels when camping seemed too hard. And when something interesting grabbed our attention, like the eye-dazzlingly white expanse of Lake Hart, a huge salt lake near Woomera, we stopped and stared in awe. Finally crossing into the Northern Territory, we pushed further north past the intriguing Devils

Marbles boulders at Tennant Creek, with a soak in the tropical, thermal pools at Mataranka before arriving at tropical Katherine. And then, far from home at the other end of Australia, we were in

1300 551 997 goseetouring.c com

NORFOLK BLOOMS 6 - 13 OCTOBER 2018

$2,729

GRAVE TALES: GREAT OCE CEAN RD

HOSTED BY AUTHORS CHRIS ADAMS MS & HELEN GOLTZ

3 - 8 NOVEMBER 2018 FROM

$2,090

From

$3,899

per person Twin Share ex BNE, MEL, SYD, ADL & PER, Single supplement $1,000

9 FEB - 2 MAR 2019

“Enquire about our romantic self-contained rainforest spa cottages and day spa”

$5,150 50

per person p Twin Share Ex x BNE or SYD, Single suppliment $1,390

$7,650

Pocket Dam. A big fabulous cooked breakfast will set you up for a big day, every day!

per person Twin Share Ex BNE, SYD, ME, Single suppliment $2,620

8 x Breakfast; 4 x lunches, 2 x Dinner, Mt Fuji sight seeing, Kyoto sight seeing, Tokyo Sight seeing, Nara Sight Seeing, Osaka sight seeing, Hiroshima Sight Seeing, Train tickets on ordinary, reserved seating, Private tour with English speaking guide

PARIS IN SPRINGTIME

07 5442 9174

ESC SCORTED BY ANNA ABBOTT

2 - 17 7 MAY 2019

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166 Balmoral Road, Montville 4560 www.cloudsofmontville.com.au 673870 6738705af

19 Nights acccom, daily breakfa fast, 4 lunches & 12 diinners, many amaazing ng textile outlets, Dellhi National Craft afts fts ft Museum, Jaipur City, Palace Textile le Museu eum, Taj Mahal, Rajasthan Heritagge Palace Hotel stay, Cruise on famo ous Lake Pichola, Ahmedabad Calico Musseum m.

GO SEE JAPAN IN FULL BLOOM

11 DAY ESCORTED TOUR TOKYO TO OSAKA

31 MAR - 10 APR 2019

Secrets By The Lake overlooking Baroon

Not available with any other offer Subject to normal availability

7 Nights 4 accom, cooked breakfast daily, 1 lunch + 5 dinners, all touring and entrance fees, Singapore Zoo, Gardens By the Bay, National Orchid Gardens, High TTea at Raffles, Changi Tour, Sent nttosa. PLUS 2 x Fabulous Co oncerts - Singapor ore Showcase 2019

ES ESCORTED BY KAY MCMAHON OF ST STYLEBOOMER

Upgrade to an upstairs Ocean View

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Read the book, take the tour and d discover the history of the Great Ocean Roaad. 1 Night Geelong, 1 Niight Apollo Bay, 2 N Nights Warrnambool, 1 Nightt Port Fairy. 5 x breakfasts, 3 x morning teas, alll touring an nd entrance fees as per itineraary. Coy of “Gravee Tales - Great Ocean Road Co oun ntry” book incl.

EXQUISITE INDIA TEXTILE TOUR T

5 night packages $640 per couple

FABULOUS BONUS

per per erson Twin Share ex BNE E, SYD & MEL, Single Su upplement $475

2 - 9 MARCH 2019

3 night packages $375 per couple

Morning or Afternoon Tea at the beautiful

per person Twin Share ex BNE, Single Supplement $400

HOSTED BY GRAEME HUGO, RODNEY VINCENT & FORTUNATO ISGRO

Mid Week Stays Downstairs

apartment for an additional $20 per night

7 Nights Castaway Hotel, Cooked Breakfast Daily, Picnic Lunch, 6 x Dinners, Half Day Orientation Tour, Tin a Aii Tour, Breakfast Bush Walk, Island 4WD Tour, Behind the Hedges Tour, Sound and Light Show, Greenfingers Tour, A & H Show

ESCORTED TOUR

SINGAPORE SHOWCASE

at Clouds of Montville

melancholic and on the last night, camped by the Murray again near Mildura, we relaxed by the campfire and reflected on our great escapade, vowing – from now on – to feel the freedom of the open road every year.

Call our frie endly, expe erienced team to book your next crui uise or touring ho oliday or to join one of Go See ee Touring’s special gro roup departures.

A GREAT SENIOR’S SPECIAL

Sunshine Coast Hinterland

Kakadu – Australia’s largest national park, embracing 20,000 square kilometres of timeless landscapes. While our trip north was filled with anticipation, our journey back south the same way was more

per person Twin Share Ex BNE, Single suppliment $2,485

13 nights 4-star accom, daily breakfast, 2 lunches, 4 dinners, all tourin ng and entraance fees, Gardens by the Bay in Sin ngapore re, Palace of Versailles, Eiffel Tower, Saacré Coeur, Montmartre, The Louvre, Muséee des Arts Decoratifs, The Traboules in Ly Lyon, Les Halles Boucuse in Lyon, Beaujolais V Vineyards

TERMS & CONDITIONS *Price is per person Twin Share fully in nclusive. Single Supplement applies. Credit card sur urcharges apply. Deposit of AUD$500-$800 per person is required to secure tour. Tour requires a minimum number n of passengers to depart. Prices may fl fluctuate if surcharges, fee, taxes or currency change. Prices current as at 17 June 2018. Go SeeTouring Pty Ltd T/A Go See Se Touring Member of Helloworld ABN: 72 12 122 522 276 ATAS Accreditation A11320

JULY, 2018// SENIORS

To Switzerland with love ‘‘

10 top reasons to love Lake Geneva region in Switzerland

Ann Rickard Journalist Ann Rickard has returned to Switzerland, a country she loves, this time to Lake Geneva. She has 100 reasons to love this region but has room for just 10 here. 1. PLACID lakes, majestic mountains, green fields, alpine houses…it’s fairy-tale stuff at every turn. How one small region in such a gorgeous country should contain so much natural beauty seems unfair to the rest of us. 2. EVERYTHING works in Switzerland. You can be guaranteed your transport will arrive and depart exactly on time. A survey of locals revealed they considered punctuality of vital importance and if a train dared to be three minutes late, it was a mighty inconvenience, worthy of the blackest of marks. 3. LAKE Geneva in the canton of Vaud is surrounded by nature. It’s the perfect base to explore, hike or walk, and with 2500 marked trails there is something to suit everyone. The air is fresher, lighter and purer in Switzerland. All ails and aches are quickly forgotten in this country. 4. CUTE cogwheel trains will get you up to mountain summits in comfort with the bonus of breath-taking scenery and the thrill of the train

stopping almost vertically at tiny villages. Beautiful Belle-Epoque steam boats will glide you over Lake Geneva in luxe style with all the romance of a bygone era. For an elegant experience, take lunch on board in one of the boat’s stylish lounges and look out over the lake to the omnipresent mountains.

Lake Geneva in the canton of Vaud is surrounded by nature.

5. THE vineyards of Lavaux in this region are ancient and UNESCO listed. They produce some of the finest white wines in the world. Even if you don’t take a drop (and you’d be crazy not to), just being among the vines on the terraced slopes with views down to the lake will have you giddy with pleasure. 6. CHARLIE Chaplin. The comic genius, filmmaker and composer lived in the region for the last 25 years of his productive life and came to love Switzerland for its lush countryside and peace and quiet. His home overlooking Lake Geneva is now a museum, Chaplin’s World. Memorabilia, movies and interactive displays give you the full and insightful story of his life as a boy living in poverty in London through his remarkable career and finally his death in Switzerland in 1977. 7. MONTREUX Jazz Festival. It’s held in July on Lake Geneva’s shoreline and is the second biggest jazz festival in the world. When the legendary Freddie Mercury performed there, he loved the town so much, he decided to stay, and it is

PICTURESQUE: Vines, mountains and lakes, this region has it all. INSET: Castles and history in this region, and don’t be sy, indulge in a fondue. where he found peace in Montreux’s quiet and restful solitude. A bronze statue of him stands on the shores of the lake and attracts fans from all over the world. 8. CHEESE and chocolate. Yes, they are the best in the world, but Switzerland’s cuisine is not just about these two luxuries. Breads, pastries and

meats are so delicious you could live on these alone. Don’t be shy about indulging in a fondue, it’s not retro here, very de rigueur. Then there is raclette, cheese melted over a fire pit until gooey and scraped over steamed potatoes, pickles, onions and salad. 9. CASTLES and history.

Chillon Castle is king in this region and one of the most visited castles in Europe. Sprawling over its own massive rock on the shore of Lake Geneva, it seems to float on the water. A self-guided tour will give you a step back in time. And then you step outside the castle grounds into modern-day Swiss life.

10. THE Olympic Museum and Olympic Park with its sculpture garden overlooking Lake Geneva houses myriad artefacts, displays and exhibits. You’ll need a full day here to explore, and then you’ll want to return for more. For more information, go to w: myswitzerland.com and myswitzerland.com/ rail or region-du-leman.ch.

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PEREGRINE Adventures’ first custom-built expedition vessel has begun cruising the Galapagos as part of the company’s burgeoning small-ship Adventure Cruising program which has grown 35 per cent year to date. Grand Queen Beatriz, departed on her maiden voyage from Puerto Baquerizo Morena in San Cristobalon on Saturday, July 1. The first voyage was a combination of Peregrine’s 10-day Classic Galapagos and six-day

SAIL AWAY: Travelling on Grand Queen Beatriz will give you a great taste of luxury and adventure. Galapagos Encounter, offering guests the chance to follow in the footsteps of Charles Darwin with a hike on Bartolome, iguana and sea lion spotting at Plaza Sur and Santa Fe, and

encounters with ancient giant tortoise at San Cristobal. The 30 metre vessel has been designed with comfort and space in mind. The ship’s nine cabins have outward-facing windows, ensuite bathrooms, are on average double the size of similar accommodation found on other boats in the region. Info and bookings: peregrineadventures.com /en-au/adventure-cruising

SENIORS \\JULY, 2018

Wellbeing

Why not become a Dementia Friend?

GIRTH GUIDE: It might be a good time to get your waist health checked out.

Men’s Health: Are your body panels bulging? Seniors News IT DOESN’T matter whether you are in your 60s, 70s or older, it’s a good time to check out the girth of the hug; your waist.

Get online and check the list 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.

Gastro-intestional cancer (bearing rumples): gicancer.org.au/ gi-cancer-explained Kidney health (blocked fuel filters): gicancer.org.au/

gi-cancer-explained Exercise (body panels bulging): heartfoundation.org .au/active-living/getactive

For more men’s health go to: malehealth.org.au.

THE pollies are being asked to lead the lead the way in joining the social movement Dementia Friends which is helping to transform the way we think, act and talk about dementia, but why wait for them? We can all help out now by joining in the free, online education program which provides access to resources to increase awareness and knowledge of dementia. Dementia Australia CEO Maree McCabe said the Dementia Friends program was an exciting opportunity for community engagement. “By taking 15 minutes to sign up to be a Dementia Friend, you will open the doors to a program that will empower people who live with dementia to stay and remain their community with the respect and dignity they deserve,” Ms McCabe said. “We now know from research that 70 per cent of people living with dementia are living in our communities, yet the majority feel a profound sense of isolation and lack of purpose due to the lack of awareness of dementia.” Aged Care Minister Ken Wyatt AM has put out the call all his ministerial colleagues. “I am challenging all parliamentarians –

federal, state and territory – to sign up as a Dementia Friend today, to demonstrate support for the 425,000 Australians living with dementia and their families and carers,” Minister Wyatt said. “Going online and joining Dementia Australia’s Dementia Friends program will help people understand more about this condition and how it affects the lives of so many people.” The Federal Government has put in “a significant part” of the $3.9 million national Dementia-Friendly Communities project. The initiative was developed after consultation with people living with dementia, their families and carers and with a wide variety of cultural organisations. Dementia Australia has built on the global movement in place in the United Kingdom, other parts of Europe, the USA and Canada. Those programs have inspired more than one million people to show their support and interest in finding out how they can make a difference to the lives of people impacted by dementia. For more information about the Dementia Friends program, go to: dementiafriendly. org.au.

EMPOWER YOURSELF: You too can make a positive difference to the dementia conversation by joining the Dementia Friends movement. Photo: bowie15

WELLBEING

JULY, 2018// SENIORS

FOCUS ON DENTAL HEALTH: The Austalian Dental Health Foundation continues to build on its programs which help Australians access dental treatment.

Smile, oral help is at hand

Tracey Johnstone EVEN though more Australians are living longer and more are retaining their own teeth, it doesn’t mean teeth health in older Australians is improving. Instead, the increase in population is adding further pressure to public dental health services. The Australian Institute of Health and Welfare also reports up to two-thirds of older adults are financially disadvantaged, which can lead to affordability

issues when accessing timely and appropriate dental care. One group trying to make a dent in a ongoing battle of costs, availability and accessibility is the Australian Dental Health Foundation. Chairman David Owen said its focus is on offering full-quality, pro bono dental services to less-advantaged Australians. The foundation launched in 2008 with a focus on indigenous and rural communities, but has since broadened its reach.

COMMUNITY

SERVICE GRANTS

Thanks to assistance funding from US company Wrigley Foundation, these grants are given to volunteer dentists and dental students who take health initiatives into their communities.

REBUILDING SMILES

This program helps people recover the use of their mouths. “Our first target audience is victims of domestic violence,” Mr Owen said. This program, which has been running for about 18 months, receives its applications

from DV support agencies.

DENTAL RESCUE DAYS

Dentists nominate to open their practice for half a day or a full day to provide free services to people who have been identified by support agencies as needing dental services.

ADOPT A PATIENT

Where a person needs more than a single dental visit, a dentist may then ‘adopt’ the patient and continue their treatment until the problem is fixed. “We are only a relatively small foundation and if we

make too big a promise, we are not going to be able to service things,” Mr Owen said. “So, we are building up a skill and knowledge base as to how to deliver these services to all sorts of areas throughout Australia.”

SCHOLARSHIPS

The foundation provides scholarships for indigenous students to pursue oral health therapy and dental hygiene education which they can then ultimately practice within their community. Five study grants have been awarded this year.

The foundation is still developing its resources through the support of the Australian Dental Association and its members. Mr Owen knows that at some stage the foundation will have a solid enough base to look at further developing its programs and take on more programs that benefit the community. “As we progress, it will speed up very rapidly I believe,” Mr Owen said. To find out more about the foundation and which agencies refer patients to participating dentists, go to: adhf.org.au.

Sink your teeth into some of these top dental prevention tips BABY Boomers and older Australians face real challenges with their oral health as a result of lifestyle choices of the past and the limited funding for public health dental services. The Australian Dental Association is working to change the latter issue by pushing forward to the Federal Government the ADA’s Australian Dental Health Plan, but with no further dental services money in the May Budget, it’s an uphill battle. Many of the dental health issues among our older community come from consuming

medications which can interfere with dental problems and cause dry mouth, and growing up in a non-fluoridated era which has led to loss of tooth structure. “Because of the lack of tooth structure, the risk of things like tooth fractures is increased,” ADA president Dr Hugo Sachs said. “When you come to fixing these sorts of problems, you are running into the most expensive end of dentistry.” Aged Pension recipients can seek out free public dental services which are mostly financed by the

individual states, but Dr Sachs said there was a long waitlist of 18 months, two years or even longer. “The per capita spend is pretty pathetic, to say the least,” Dr Sachs said. “There is, at best, about 12 or 13 per cent of registered dentists working in the public sector and about a third of the population eligible to be treated.” Those dentists are responsible for treating all community members, from teenagers right through to seniors, all vying for their time. There is one bit of good news – in May the

Victorian Government announced a $12.1 million ‘dental waiting list blitz’ to drive down treatment delays, ensuring another 18,300 people will be treated by the end of June. It’s hoped the other state governments will take notice.

diet. ■ Be wary of what you bite on, particularly if your teeth fracture easily. ■ Use a fluoridated toothpaste. If you have a high decay rate, then use a high-concentration toothpaste such as NeutraFluor 5000 and chew on sugar-free gum.

There are some things you can do to reduce the incidence of dental problems and the impact of those problems while waiting for treatment. Some of these include: ■ Improve your oral hygiene. ■ Minimise sugar in your

Dry mouth increases the acid concentration which increases the decay rate of your teeth. Talk to your GP about the medications that may be causing it. There are several conditions that can cause dry mouth, such as

WHILE YOU WAIT

DRY MOUTH

Sjogren’s syndrome. As saliva neutralises the effects of acid in your mouth, when your mouth feels dry you can make an artificial saliva using 500mls of water, a heaped teaspoon of soda bicarbonate and 10mls of glycerine which you can purchase from a chemist, and which you can then swill around your mouth and then spit out. In an emergency, you can go to the outpatients at your local hospital to seek treatment or referral to a dentist that can treat your acute problem, or talk to local private practice dentist.

SENIORS \\JULY, 2018

WELLBEING

Giving you the power

Turning the spotlight on your electricity supply and needs BRAND INSIGHTS YOU’VE been offered a discount off your electricity supply but from what rate is that discount taken off? Looking at the electricity rate and customer service standards, not at distracting discount offers, is what LPE marketing manager Emily Gouge advises customers to do. “A lot of people look at the discount as a saving, but they don’t know that the discount could be off a high initial rate,” Emily said. As you review what can be a complicated looking bill, with little knowledge about what you are getting out of your current electricity supply, the LPE team are happy to help educate you on what it all means by breaking down your bill. “We are in the business

‘‘

We know that people appreciate good service from local people — Emily Gouge

of making electricity simple.” The southeast Queensland electricity supplier offers the best possible rates upfront and doesn’t attach any conditions to those rates. LPE looks after needs and budgets, and in return, trusts that the customer will pay their account on time. Staying loyal to a company you have been with for a long time, doesn’t mean you are getting the best service or

LOCAL BUSINESS: Talk to local electricity supplier LPE about your supply needs. the best price. All electricity retailers buy their electricity from the same place and the cost difference between them is relatively small,

where they differ is in the treatment of their customers. Changing to a new supplier is easy. “If you call LPE more

than once you are likely to speak to the same person whereas the current foreign-owned market leaders utilise overseas call-centres.”

“We know that people appreciate good service frompeople.” To find out more, go to localityenergy.com.au.

Think again, before you rush to crush Tracey Johnstone WHETHER it’s prescribed or over the counter medications you are taking, don’t assume that cutting, crushing or chewing tablets is OK. The Society of Hospital Pharmacists of Australia publications pharmacist Keli Symons advises it can be hazardous to the person taking the medicine and to the person crushing it.

HERE’S WHY

■ When a medication is crushed or ground, particles can be released into the air. Any people in

the vicinity could inhale the particles or absorb it through their fingers. ■ There is the potential of contamination of the medication from other surfaces. ■ It can also land on surfaces and utensils nearby, contaminating them. ■ You don’t get the full dose. There is an inherent loss of a dose, potentially up to 20 per cent, with any type of crushing device. The solution here is to rinse the crushing device at least twice with 20ml of water, to catch any powder

left in a crushing device, and then drink that water. ■ Some tablets are formulated with a special coating. For example, it passes through the stomach acid and then is absorbed further down the gastrointestinal tract in the intestine. “If you crushed it, you remove that coating and expose that medicine to the stomach where it might not work, or it might be harmful to the stomach,” Ms Symons said. ■ A once-a-day tablet may be designed to be swallowed whole and

released over the whole day. If it is crushed, you would end up with the whole and higher dose, just once, which might cause an adverse reaction. “There are some drugs you can crush, but it’s always going to be the last resort. And that applies to chewing which is essentially crushing,” Ms Symons said. So, before you cut, crush or chew, tell your GP before a prescription is written if you can’t swallow tablets or capsules; and tell your pharmacist.

Every prescribed medication has a Consumer Medication Information sheet inside the package which lists how it can be taken, but if you want to cut, crush or chew that medication, talk to your pharmacist who can suggest an alternative and has access online or in print to the Don’t Rush to Crush guidelines from the SHPA.

OTHER OPTIONS

■ Oral liquid, tablets which are dispersible or able to be dissolved in water or on your tongue, wafers, disintegrating tablets, transdermal

patches, or injection, but this is often a last resort “It might not be the same drug, but it could be from the same class or group of drugs that your doctor might consider changing the person over to,” Ms Symons added.

DRY MOUTH

Often we look for another way to consume medications because we have a dry mouth. Ms Symons said it was possible to get relief for that. Ask your GP or use a mouth lubricant such as a a gel which you can buy from a pharmacy.

Join the Festivities Queensland Seniors Week 2018

From August 18 to 26, it’s Queensland Seniors Week! For all the ins and outs of the many exciting events taking place throughout our great state, be sure to check out Seniors in print or online for coverage - so you can get the most out of your Seniors Week experience.

Grab our August edition or visit seniorsnews.com.au

JULY, 2018// SENIORS

Living

Be Connected safely Alison Houston

STAYING CONNECTED: The Be Connected program helps seniors keep in touch safely with family, friends and community in an increasingly digital age. Photo: vadimguzhva

A NEW online and community program, Be Connected, aims to take away the fear factor that is stopping many older Australians from either using the internet at all or using it as much as they could. According to research from the Office of the eSafety Commissioner, about 2.7 million Australians aged 50 years and older have little or no engagement with the online world. They have low digital literacy, find technology intimidating and lack confidence to ask for help or knowledge of where to get help, and are often taken advantage of online. “We know anecdotally that older Australians can be a more trusting generation – our research bears this out, with 40 per cent of those aged 50 and over experiencing a computer virus or being the victim of a scam, credit card or personal information theft,” eSafety Commissioner Julie Inman Grant said. With the world becoming increasingly digital, those with low internet skills can often feel isolated from their community and family at a time in their lives when feeling connected is increasingly important.

Even online shopping can make a huge difference to people’s lives, taking away the hassles of driving to the mall, finding a park, manoeuvring the trolley, reaching up and down for groceries and carrying heavy bags. While the research shows about four million older Australians are keen to improve their digital literacy, they also want help addressing online safety and security concerns. Hardly surprisingly considering their vulnerability online, 72 per cent prefer face-to-face, one-on-one coaching over online learning. As part of the Be Connected program, a national network of community groups is delivering free face-toface coaching supported by the Good Things Foundation Australia. “We’re excited to have over 1200 community organisations across the country in the Be Connected Network, from libraries to retirement villages, community centres to Men’s Sheds, all supporting older Australians to get online,” Good Things Foundation national director Jess Wilson said. Whether you choose to learn online or face to face, the program is very user-friendly and easy to

follow, starting from the basics – and I do mean absolute basics - with questions like what is a computer, a laptop, a tablet and a smartphone? Getting to Know Your Device teaches the basic functions of a keyboard, a mouse, a computer and managing files, while Getting Started Online helps you with internet search engines, using email and online forms. The More Online Skills unit takes you that step further into online shopping, connecting with family and friends through social networks, using a digital camera and watching TV online. And, of course, there’s the all-important section on internet safety and how to avoid scams and tricks, and the golden rules of: ■ Never provide personal information or account details unless you are 100 per cent sure exactly who you are dealing with, and if in doubt, delete! Each module is small, taking about five minutes to complete, and is as simple as clicking the Start and then Next buttons and reading the simple-to-understand information, with no high-tech talk involved. Go to: beconnected. esafety.gov.au or phone 1300 795 897.

Check rebate eligibility QUEENSLAND pensioners and seniors may be eligible for: the Electricity Rebate – $340.85 per year (GST inclusive), the Reticulated Natural Gas Rebate – $72.51 per year (GST inclusive). Please note, all rebates are GST inclusive. Rebates for eligible card holders may appear as GST exclusive on bills.

ELIGIBILITY

Rebates are available to people who have any of the below: Pensioner Concession Card, Department of Veterans’ Affairs Gold Card (and receive the War Widow/er Pension or special rate TPI Pension), Queensland Seniors Card, Commonwealth Health Care Card (Electricity Rebate only), Asylum seeker status (residents will need to provide their ImmiCard details) (Electricity Rebate only). To be eligible, you must

be the electricity account holder and also live alone or share your principal place of residence with (only) any these: their spouse, other people who hold a Pensioner Concession Card or Queensland Seniors Card, other people wholly dependent on them, other people who receive an income support payment from Centrelink, the Family Assistance Office, or the Department of Veterans’ Affairs and who do not pay rent other people who live with the card holder to provide care and assistance, and who do not pay rent. If you live in caravan park or multi-unit residential building (e.g. apartment), you must also show that your electricity or reticulated natural gas is paid on the basis of metered consumption.

ELECTRICITY

If you have an account

ADJUSTING ELECTRICITY: Take a look around for the best energy deal. with an electricity retailer, contact your electricity retailer. You can apply over the phone or ask your retailer to send you an application form. You will need to provide certain details have copies of your bills and concession card handy so

you can verify your eligibility. Rebates are automatically deducted from your bill. If you live in an apartment complex, residential park, retirement village or a granny flat, contact the person/organisation

sending your electricity bill.

FIND OUT MORE

Your Energy Savings website provides information about saving energy, saving money and available government assistance. The energy ratings and

water ratings of appliances can help you compare products. For more information, phone 13 74 68, or go to: qld.gov.au/community/ cost-of-living-support/ electricity-gas-rebates #Eligibility.

SENIORS \\JULY, 2018

Taking care of family estates Carolyn Devries CEO of New Way Lawyers Common question: Does an executor personally pay for the expenses involved in the administration of an estate? There are many expenses that may be incurred during the administration of an estate. These expenses can include funeral expenses, advertising fees associated with making an application for a grant of representation and legal fees. Sometimes the executor of an estate may need to pay these expenses personally, in the first instance, for example if the bank accounts of the deceased have been frozen pending a grant of representation being issued by the court. An executor is however,

entitled to be reimbursed for all reasonable expenses personally paid on behalf of the estate. It is advisable for an executor to keep appropriate records and evidence of any expenses which are to be reimbursed from the estate. In addition to being reimbursed for any expenses which may have been personally incurred, the executor is also entitled to be compensated for their time and effort in carrying out the administration of the estate. Sometimes a deceased may specify in their will an amount to be paid to the executor by way of compensation for their efforts. Alternatively, a deceased may leave a particular gift under the will to the executor and specify that the gift is to be considered compensation for their services. In the absence of any provision for compensation under the will there are two other ways for an executor to

Money

seek payment of compensation, which is commonly called executor’s commission. The first way is if all the beneficiaries under the will agree to an executor’s commission being paid and there is agreement as to the amount of commission to be paid. Each beneficiary will sign a document acknowledging that the executor has performed their duties and authorising payment of the commission. The second way is by the executor making an application to the court and the court making an order for payment of commission. The court does not simply apply a flat commission to all matters – the rate of commission varies between matters and depends on the nature and complexity of the activities involve in administering the estate. Executors should keep records of work done in their executorial role to justify any commission.

EXPERT ADVICE: It is safer to have a lawyer draft your will than trying to do it yourself. Photo: Creatas Images

Take advantage of the new downsizer super boost from 1 July 2018

Boosting your super just got a lot easier. From 1 July 2018, if you sell your home you may be able to contribute up to $300,000 to your super, tax-free and with no work test. And that goes for your partner too. Together, you can contribute up to $600,000. If you are: • Aged 65 or over • And have owned your principal home for 10 years or more and thinking of selling and downsizing This provision can only be taken advantage of once, with several other criteria that you and your home must meet. Call us today on 1800 634 378 to book an appointment to see if you are eligible and let us help you take advantage of the new downsizer superannuation contributions provision.

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*Authorised Representative of RI Advice Group Pty Ltd ABN 23 001 774 125, AFSL 238429 This information, including taxation, does not consider your personal circumstances and is general advice only. You should not act on any recommendation without considering your personal circumstances and objectives. RI Advice Group recommends you obtain professional financial advice specific to your circumstances.

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MONEY

JULY, 2018// SENIORS

Franking credits on radar Tony Kaye UNTIL a couple of months ago, dividend franking tax credits were not on the radar screens of most investors. For some, they still probably aren’t. But those relying on dividend franking credits to supplement their income in retirement were definitely jolted to attention after the Australian Labor Party announced its plan to overhaul current tax breaks. The ALP’s plan to abolish cash refunds on excess dividend imputation credits, announced in March, has created great consternation among many seniors. Dividend imputation was introduced some 30 years ago to avoid the double taxation of company income. Because most Australian companies are taxed at

30 per cent these days, when a fully franked dividend is paid it comes with a tax credit attached for that 30 per cent of tax already paid by the company. Currently, if you are in pension mode and paying no tax on your income, all franking credits are returned to you as a cash rebate. The ALP plans to abolish them for good but has now stated it would create a “Pensioner Guarantee” if elected to exempt people on the Age Pension who are also receiving these tax credits. This will do little if anything for close to one million Australians who are members of selfmanaged superannuation funds and other selffunded retirees who fall outside of the Age Pension safety net. What that means is that many people who had created a retirement strategy around stocks paying out fully franked dividends, whose share prices had effectively been inflated as a result of investor demand for

their tax credits, could be looking further afield if the ALP is elected. A new research report by Macquarie Wealth Management points to a likely major shift in Australian equity asset allocations by retirees and others should the ALP’s contentious policy be passed at some stage in the future. Despite the ALP’s recent backflip on who its franking credits crackdown would apply to, Macquarie notes that those in the firing line, including self-managed superannuation fund trustees in retirement receiving dividend tax credits, will likely shift capital into higher-yielding stocks paying unfranked dividends. A Treasury review of the proposal, conducted over the past two months, has found that the expected $10.7 billion in additional tax revenue the ALP had calculated it would receive from the policy in the first two years would not eventuate because many retirees will likely move into other assets paying better returns, including

foreign stocks. In an update based on franking credits data to the end of December last year, Macquarie says that another outcome of the ALP’s plan could be an acceleration of capital management initiatives by companies with large franking account balances, including special dividend payouts. But the investment has added that given the relatively small proportion of investors overall that would be impacted, it was unlikely companies would be incentivised to alter their dividend policies. Australia’s second-largest company, BHP, holds more than $14 billion in franking credits, followed by Rio Tinto ($4.7 billion), Woodside ($2.6 billion), Woolworths ($2.6 billion), and Commonwealth Bank ($1.1 billion). Westpac also holds around $1.1 billion in franking credits, followed by Caltex with $868 million. The response, therefore, is more likely to be on the investor side, potentially with a rotation out of stocks paying

FRANKING CREDITS: Worry over potential future changes in government policy on franking credits hasn't disappeared. Photo: Martin Prescott 100 per cent franked dividends (where there would no longer be cash refunds available) into high-quality companies paying attractive yields. Macquarie’s research suggests there could be a rotation into companies currently paying unfranked yields of between 4 per cent and 7 per cent from those currently paying higher, grossed-up, fully

franked dividends. On an unfranked basis, the yields from these companies are compatible with those of companies paying unfranked returns Tony Kaye is the editor of Eureka Report, which is owned by financial services group InvestSMART.

Find your free tax help just around the corner Tracey Johnstone IF YOU need help to complete your annual tax return, the Australian Taxation Office (ATO) has a free, face-to-face service, available in 600 locations across Australia. With the help of trained volunteers, the process of lodging your return or an amendment, and claiming a refund of franking credits, can be done through the ATO’s myTax online lodgement

process. The service is available if your income is around $60,000 or less for the income year, and you did not – work as a contractor, for example a contract cleaner or taxi driver; run a business, including as a sole trader; have partnership or trust matters; sell shares or an investment property; own a rental property; have capital gains tax (CGT); receive royalties; receive distributions from a trust, other than a managed fund; receive foreign

income, other than a foreign pension or annuity. Volunteers are available from mid-July through to October. They won’t offer you tax advice, but they will help you navigate the online lodgement system including setting up your myGov account. The first step is to phone 132 861. You will then be matched with the nearest available community centre designated as a Tax Help Centre. For more information,

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. Post to (no stamp required): The Kids’ Cancer Project REPLY PAID 6400 ALEXANDRIA NSW 2015

Title:

Name:

Address: State:

Send me more information

Telephone:

Request a call from Veena

Email:

thekidscancerproject.org.au/giftinwill

Postcode:

go to www.ato.gov.au/ Individuals/Lodgingyour-tax-return/ Tax-Help-program. Volunteers needed ATO assistant commissioner Kathryn Anderson said the ATO is looking for more Tax Help volunteers. They are recruited each year during March and April, but for anyone interested in volunteering, they can start the process now for next year’s intake. “We have people from a variety of backgrounds including bookkeepers

and accountants,” Ms Anderson said. “The technology is easy to use. You just need to not be scared of operating a computer. “The volunteers help remove the mystique around doing your own tax return and you to get to talk to a real person, face-to-face.” All volunteers go through an online and in-person training program, and security clearance process. Any reasonable out-of-pocket expenses,

such as travel and phone calls, are reimbursed. To be a volunteer, email SBITtaxhelp@ato.gov.au. Tax Help centres needed More Tax Help centres are needed to be “house volunteers” Ms Anderson said. If a community centre or similar type venue is interested in volunteering space in their centre for the ATO recruited volunteers to operate the Tax Help service, they should email the ATO at SBITtaxhelp@ato.gov.au.

SENIORS \\JULY, 2018

Powers of fruit, flowers THERE’S no need for gardeners to hibernate during July. By planting flowering plants and growing delicious vegies, you can keep your kitchen well-stocked with healthy home-grown ingredients and brighten your outdoor spaces. Yates horticulture consultant Angie Thomas has some great tips for plantings this month. Alyssum – Carpet of Snow Alyssum is commonly grown as a pretty filler in among other flowers in pots and garden beds. Alyssum can also take centre stage and make a gorgeous border plant on its own. Carpet of Snow is a long-lasting and hardy annual that is smothered in masses of tiny honeyscented white flowers. Scatter seed direct where they are to grow and only just cover with 2mm of loose soil or seed

At home reach 10-15cm long. Sweet Potatoes You can start sweet potatoes by letting a tuber develop some 15cm-long sprouts (slips) and planting these directly into moist soil. These sprouts will form roots and sweet potato tubers will develop over 5-6 months. As the vine grows, the stems will try to put down new roots where they touch the soil. You want to avoid this happening by lifting the foliage regularly to encourage tuber growth instead of leaf growth.

raising mix. Firm down and keep soil moist while seeds germinate. Argyranthemums – Madeira If you’re after vibrant colour during winter, then look out for the Madeira range of argyranthemum daisies, including richly coloured Red Double and very pretty Pink Crested. The Madeira range is quick to grow and will reach up to 75cm high. They’re hardy perennials that like growing in a full sun position. To keep them healthy, I recommend regularly feeding with a fast-acting liquid fertiliser that’s boosted with additional potassium to promote lots of gorgeous flowers. Bird’s Nest Ferns Asplenium australasicum, commonly known as the bird’s nest fern, is native to Australia’s east coast from Cape York in Queensland down to the

WINTER PLANTS: White alyssum Carpet of Snow is a hardy annual that is smothered in masses of tiny honey-scented white flowers. Photo: Angie Thomas south coast of New South Wales. In its natural habitat it’s found in moist and sheltered forests where it grows on trees or rocks but is happy to grow in urban settings in protected gardens and also indoors. Bird’s nest ferns have a striking upright vase shape which adds structural interest and with green fronds reaching up to 1.5m long can create a wonderful garden focal point.

Cherry Tomatoes Tropical and sub-tropical gardeners can plant cherry tomatoes – Tiny Tim throughout the winter months. They can be sown directly into backyard vegie patches in a position that receives at least six hours of sun per day. To encourage healthy growth and a great harvest, keep the soil consistently moist and feed regularly with tomato plant food.

Zucchini – Blackjack In warm winter climates, zucchini can be grown all year round in vegie patches. It’s a delicious and versatile vegie that can be used in stir fries, made into zoodles or added to cakes. Grow zucchinis in full sun to promote healthy growth and a great harvest. Form a few mounds of moist soil, sowing two seeds at the top of each mound. Zucchinis are best harvested when they

Lettuce – Greenway Iceberg Greenway iceberg lettuce is a variety that’s been specially bred for warm climates. It has crisp, tender leaves and is a hardy lettuce that’s resistant to downy mildew. Seeds can be sown directly into a sunny vegie patch and lettuces can be harvested in as little as nine weeks. Sow more seed each week to give you an ongoing supplyof this essential salad ingredient. For more information, go to yates.com.au.

From your garden to gourmet A HEALTHIER alternative to hash browns, these zucchini and bacon fritters with garlic yoghurt are the ideal snack to sneak in a serve of greens. INGREDIENTS ■ 2 medium zucchini, grated ■ 1 medium Desiree potato, peeled, grated ■ 4 shortcut bacon rashers, trimmed, finely chopped ■ 1/4 cup plain flour

■ 1 egg, lightly beaten ■ 2 tablespoons chopped fresh chives ■ Vegetable oil, for shallow frying ■ Chopped chives Garlic yoghurt ■ 2 garlic cloves crushed ■ 1/2 cup Tamar Valley Greek Style Yoghurt METHOD Step 1 Squeeze excess moisture from zucchini.

Drain on paper towel. Combine zucchini, potato, bacon, flour, egg and chives in a bowl. Season. Step 2 Heat oil in a large frying pan over medium-high heat. Spoon a quarter of a cup of zucchini mixture into pan, pressing to flatten. Repeat to make three more fritters. Cook for five minutes or until golden underneath. Turn, pressing again to flatten.

Cook for five minutes or until golden and crisp. Transfer to a plate lined with paper towel. Cover loosely with foil to keep warm. Repeat process with remaining mixture. Step 3 Meanwhile, make the garlic yoghurt. Combine garlic and yoghurt in a bowl and season with salt and pepper. Sprinkle fritters with extra chives. Serve with garlic yoghurt.

WINTER VEGETABLES: Zucchini and bacon fritters with garlic yoghurt.

Quick, easy and extra delicious

WINTER WARMER: Try out this tasty dish.

IF YOUR vegie patch is sprouting and those pots of herbs flourishing then you may have a good deal of the ingredients for this tomato, basil and feta spaghetti dish right at hand. If not, a short trip to the supermarket will have all these ingredients. With a few simple ingredients, this colourful and delicious pasta can be on the table in under half an hour. This dish not only looks great, but the basil and

garlic lend it a touch of warm flavour just right for the cooler weather. Enjoy! INGREDIENTS ■ 400g Barilla Spaghetti ■ 100ml extra virgin olive oil ■ 2 garlic cloves, crushed ■ 500g grape tomatoes or mini roma tomatoes, roughly chopped ■ 2 cups roughly-torn basil leaves ■ 150g Greek feta cheese, crumbled METHOD

Step 1 Cook spaghetti in a large saucepan of boiling salted water, following packet directions, until tender. Drain spaghetti and set aside. Step 2 Return saucepan to medium heat. Add oil, garlic and tomatoes. Season well with pepper. Cook, tossing, for 1-2 minutes or until tomatoes are hot. Add spaghetti, basil and feta. Toss gently for one minute or until heated through. Serve.

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PUZZLES

D U G R E D

E O T H R T

I C T

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

Good 17 Very Good 25 Excellent 29+

WORDFIT Fit the words into the grid to create a ﬁnished crossword Solution opposite

M I L

3 LETTERS ALL ANY APE ARE BEE ERA HIS ION LOO LYE MEN MIL OBI ORE PEG PIN RAY RED RYE SAD SIN SIT SOU TEA

TIC URN 4 LETTERS ARIA ARID AVOW AWES CELT DATE DINT EASE ECHO EDGE ELSE ICON MADE OVAL RING ROAR ROTA SLEW STEW THAT TOTE

VEAL WERE WITS 5 LETTERS CHOMP DRAMA LEASH UNDER 6 LETTERS ENTRAP ESTATE KNIVES MARTYR RADISH SORREL STILES VOICES 7 LETTERS ARTLESS NAIVELY SURPASS TALKING

E S Q U C E A A L L L E X S E M P S T

R R

R Y

558

A T

S A L P T E I A O C E N K P E C I R I S C T A R I N Z E I A T T W I S B A K E

TODAY

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

S A

E Z

EQUIP RISQUE MIRACLE RIP TIDES DISSENTER

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 N N A E R R W R S P A T L E O T H R T E N E R D F I I B L M P R E

GO ROUND WORDGO WORD ROUND

WORD GO ROUND

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

agar agate ages garret garter gate gates gaze gazer gazes gear gears gets grate grater grates graze grazer grazes great raga rage rages rags saga sage sarge stag stage stager stargaze STARGAZER tags zags

ALPHAGRAMS

QUIZ 1. Which famous Australian was born Eleanor Nancy Gow? 2. Who was the last British Governor of Hong Kong? 3. How old is a quadragenarian? 4. Who is the whisky-loving sea captain in the Tintin books? 5. Which Oxford don wrote the Narnia books? 6. As what did Auguste Rodin gain fame? 7. Where did the christmas tree tradition originate: Norway, Germany or Israel? 8. Who composed “Rhapsody in Blue”?

QUIZ

S T E W

R Z E A

SUDOKU

E L S E

A N N A E R R

E X

V E A L

I S T S E R Y

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

A V O W

Y A W

R O T A

L L U C

A M A P I N E L Y

O L A A D

A R L Y L E

L E S E Q A U

E D G E

L S L A

TRIO

D I N T

D D L

I B M L P R E

A R I A

N C E A I A L

M Y

B A K

N A D E O

W E

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

O W R E

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

T H A T

S A P T I

I C O N

I N N D S

W E R E

A T P A R

WORDFIT

N S E I M T P

1. Elle Macpherson, 2. Chris Patten, 3. 40 to 49, 4. Captain Haddock, 5. CS Lewis, 6. A sculptor, 7. Germany, 8. George Gershwin.

N U A N A T I

QUICK CROSSWORD

W R S P A L T

Across: 6. Engine 7. Retake 10. Lookout 11. Tinge 12. Whet 13. Merry 16. First 17. Semi 20. Earns 21. Naughty 22. Kindly 23. Harden. Down: 1. Yellow streak 2. Ignores 3. Snoop 4. Texture 5. Taunt 8. Electrifying 9. Stressing 14. Missile 15. Methods 18. Front 19. Rural.

O C E K P E C

JIGGERED

E N E R D F I

Down 1. Cowardice (colloq) (6,6) 2. Shuns (7) 3. Pry (5) 4. Consistency, feel (7) 5. Jeer (5) 8. Thrilling or shocking (12) 9. Accenting (9) 14. Projectile (7) 15. Ways (7) 18. Facade (5) 19. Pastoral (5)

TRIO: LIc

R O P I L F L E

Across 6. Motor (6) 7. Repossess (6) 10. Sentry (7) 11. Tint (5) 12. Sharpen (4) 13. Cheerful (5) 16. To begin with (5) 17. Partly (4) 20. Deserves (5) 21. Badly behaved (7) 22. Benevolent (6) 23. Set (6)

SUDOKU

The challenge is to rearrange a crossword which has been broken into 25 sections. One letter has been given to get you started. Work out which 3x3 square fits in with that letter and write in the letters. You can also shade the black squares if you find it helpful. After completing the first 3x3 area, work out which square joins on to it, and continue until you have made a complete crossword.

QUICK CROSSWORD

ALPHAGRAMS

2/7

PIQUE, QUIRES, REcLAIM, SPIRITED, TIREDNESS.

JIGGERED

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