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SENIORS WEEK AUG 18-26 EVERYTHING YOU WANT TO KNOW PAGE 13

Col Harry Smith Meet Lt

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

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AUGUST, 2018// SENIORS

Changes for the better Gail Forrer Seniors Group Editor

Senior Week celebrations INDEX 3 6 8 10 11 13 29 35 36 39

Lt Col Harry Smith Penny Cook Ms World Robyn Canner Talk n Thoughts Wellbeing Qld Seniors Week Feature Wanderlust Living Money Puzzles

THIS month the spotlight is on Queensland Seniors Week celebrations. The week of events sponsored by the State Government is designed to highlight the vast range of opportunities available to enhance our lifestyle. There are so many people doing so many things – in this edition we have endeavoured to put together an easy-to-access, comprehensive list for your information. This month also commemorates, through the memories of Lieutenant Colonel Harry Smith, the anniversary of the Long Tan battle. To honour the people involved means to acknowledge the terrible situations that have provoked and enabled warfare. Although continued warfare has proved the message underpinning American philosopher George Santayana’s words, “Those who cannot remember the past are condemned to repeat it,” untrue, I believe the intent – that understanding can lead to alternative actions – still holds some truth. Lt Col Harry Smith’s decision to err from past decisions that left the heroic deeds of good soldiers unrecognised has meant

appropriate validation for these men. I trust this story honours all those who served their country both now and then. On another note, here’s to Australia’s 60-year-old Ms World, Robyn Canner. Not so long ago this sort of award, generally considered a beauty pageant, seemed more about beauty of the body than spirit. Robyn’s award is a clear indication of a changing world. It points to a holistic judging criteria that includes body, mind and spirit and that’s good news for any age group. As always, thanks to everyone who sent in their regular community notes and the groups who have advised of Seniors Week events. Sharing really is caring and if you are feeling a little lonely, please take a moment and join in an activity. You may find a new friend, exercise or a hobby just for you.

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

Harry Smith: new memorial stark reminder of Long Tan Tracey Johnstone

AUGUST 18 is a date in Lieutenant Colonel Harry Smith’s life that he can’t turn his back on, but neither will he celebrate it. “It was my company of 105 soldiers that got brassed-up by over 2000 North Vietnamese and regular army, and we defeated them with massive artillery support and the gallantry of my own soldiers,” Harry, now 85, said. “Sadly, I lost 17 who were killed and 24 wounded that day. It’s always been the sad part of my life.” Harry remembers the 1966 battle was fought in monsoonal conditions which helped mask the location of the Australian soldiers. “The enemy used to run telephone wires along the ground so that they could give orders as they didn’t have many radios,” he said. “The artillery shrapnel cut their telephone lines so they had to send orders by runners. Consequently, they weren’t as organised as they could have been. The rain, the artillery smoke and

everything else limited their ability to locate us. “But, when they did locate us, we were in a well-defended position. I had already lost about 13 or 14 soldiers by the time the major assault came in and then we lost another four. We were able to repel them. “They took so many casualties and withdrew and went home. Basically, we can say, they were defeated.” That story rolls off the former Company

Commander’s lips with care and solemnity that defines why Harry sought peace for the last 35 years through spending every conceivable minute bluewater sailing. When he returned from Vietnam, Harry joined the Commandos in Sydney and headed overseas to parachute jump with British, Canadian and American air forces. He returned to CONTINUED ON PAGE 4

‘‘

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

Photo: Tracey Johnstone

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FROM PAGE 3 Australia to take over the parachute school at the Williamstown air force base as the first army commanding officer. “We trained about 600 officers a year including girls,” Harry said. “I was responsible for bringing the girls in,” he added with pride in his voice. His last jump forced him to retire from the army. After a few years working in the corporate world for a liferaft manufacturer, Harry headed to the ocean. He has chalked up a personal log of close to 150,000 miles. In later years his third wife Felicia joined Harry to cruise and race. Danger close Harry’s story of the Long Tan Battle is being retold in an Australian movie Danger Close. Production is almost completed and it is due for release around Anzac Day next year. The movie script is a bit of a sore subject for Harry. It was supposed to be as true as possible to the battle story, subject to some dramatisation. He said the original script wasn’t accepted by a group of military experts, including himself. And though some amendments were apparently made to that script, he said he had not seen them. However, he’s willing to keep an open mind on how the movie will turn out. “From what I have heard from my guys who have been to some of the movie sites, they reckon it will turn out really well,” Harry added. Date remembered August 18 ultimately became the Vietnam Veterans Association of Australia endorsed national Vietnam Veterans Day. Every year since the war, Harry has attended a Long Tan Day commemorative function. This year he will be at the Australian War Memorial

AUGUST, 2018// SENIORS for a significant moment in his life and of those who fought at Long Tan. The permanent home of the Long Tan Cross will be unveiled. The cross was originally erected on the battlefield, but then removed by the North Vietnamese at the end of the war. “It was put in a museum near Bien Hoa,” Harry said. In 2016, after the 50th anniversary, the cross was given to the Australian War Memorial, but not before it had been through a chequered past. “It was knocked down by the enemy after the war and a farmer took it home and put it over the grave of his father,” Harry said. “He took the brass plate which has a little sign on it, ‘in memory of the soldiers lost at Long Tan’, and used that as a plate to heat up his fish and chips. “It was then taken off him by the local council and put in a shed. One of my former soldiers was over there and found it in the shed, and he did a deal whereby they were going to send it back to Australia in exchange for medical supplies. But that didn’t come to pass because the North Vietnamese, who had taken over Saigon, now Ho Chi Minh City, said no. “They took it and put it in a museum up at Dong Nai, north of Saigon, which is where it stayed until we got it on loan back here at the War Memorial in 2012, for 12 months. Because of some noises made by the ambassadors, and by myself and others, the North Vietnamese decided it wasn’t much use to them sitting in a museum, so they gave it back to us.” Proudly displayed in his home office is a simple photo frame containing shrapnel relics found on the Long Tan battlefield and underneath a photo of the Long Tan Cross when it was still in North Vietnam. Beside it is another presentation he

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

Major Harry Smith of D Company, the 6th Battalion, The Royal Australian Regiment, in front of a blackboard briefing foreign press representatives on the battle of Long Tan. received representing his company’s theme song, These Boots Are Made For Walking and it’s badge, designed by one its members, with a red triangle which is the Greek symbol for Delta and in the middle, a pair of boots. Harry displays little else of his Vietnam War years, using the remaining space in his study for photos of his many boats. Battle weary Harry finished his last land battle in 2016. “After the battle, a number of us were given awards,” Harry said. “The awards I recommended for my soldiers who were up eye-balling the enemy, and they were the ones most

gallant and courageous, those recommendations were not approved in 1966. “There was nothing I could do for 30 years because there is a secrecy period in the defence forces.” In 1996 Harry was able to access the original awards recommendation documents and then he went back to “battle”. “And I really did have a battle because people said, ‘you can’t go back in time with awards, you finish going back to the Boer War and so on. It’s just not possible. You just have to accept what was done’. I said no, I can’t accept that. These young soldiers, most of them 20-year-old servicemen,

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

fought outstandingly in the battle and it is normal to decorate people for outstanding gallantry and they should get their award.” Finally, he was able to take his case to the Defence Honours and Awards Appeals Tribunal. He was knocked down once, but stood up again, and won. In 2016 the Governor General presented the awards to the soldiers of D Company in the presence of their greatest supporter. “That was the biggest battle I had since Vietnam,” Harry said. Harry now reserves all his energy for battles on the water.

When he reflects on his life, as his 11-year-old rescue dog Freddie sits faithfully by his side, Harry said: “There’s not too many people who have had 25 years in the army, fought in an iconic battle and survived, jumped out of aeroplanes at 25,000 feet, sailed and raced, and married a lovely woman”. “Long Tan is on my mind almost every day,” Harry added. “Certainly, on the 18th of August I remember the sadness associated with those we lost, who were killed in that battle in order that the rest of us might live.”

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SENIORS \\AUGUST, 2018

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Our unknown soldier is identified AN UNKNOWN Australian soldier who fought and died in The Great War has been identified and hailed in a re-dedication ceremony in France. Private Robert Oliver Bowness was fighting on the front lines when he, along with two other soldiers, was buried by the blast of an exploding LEFT: The unknown soldier who died in World War I at Hamel has been identified as Private Robert Oliver Bowness.

Photo: Australian War Memorial

shell at Hamel in 1916. He was just 22 at the time of his death. However, his identity remained a mystery for over a century with the three soldiers named as Private Peter Anderson, Private Edgar Armour and an Unknown Australian Soldier. That was until his identity was unveiled by the Australian Army’s Unrecovered War Casualties unit (UWC-A). Minister for Defence Personnel Darren Chester said it was an “honour” to pay tribute to Private

Bowness at his grave in the Villiers-Bretonneux Military Ceremony. “It is as important as ever to remember the sacrifice soldiers like Private Bowness made on behalf of Australia during WWI,” Mr Chester said. “Now his previously unmarked headstone can be replaced with one bearing his name and service particulars.” Born in Brisbane, Robert Bowness was employed as a grocer until his enlistment in the Australian Imperial Force (AIF) on March 30, 1916.

He would later fight as a member of the 4th Pioneer Battalion. Mr Chester hailed the UWC-A for its never-ending quest to put a name to a soldier who put his life on the line for his country. “To be able to identify a soldier who lost his life in the service of his country is a great achievement for which they should be proud,” Mr Chester said. “Their tireless work was supported by submissions from the public, culminating in the official identification of Private Bowness.”

Penny Cook returns to the big screen Aussie favourite stars in The Merger comedy Tracey Johnstone

‘‘

(The Merger) deals with bigotry and racism and with good wins in the end.

THE MERGER: The multi-talented actress, MC and Australia Day ambassador Penny Cook.

ACTRESS Penny Cook steps back out on the big screen this month joining John Howard in a supporting role in the Australian comedy movie The Merger. The scene is an AFL ground in a town called Bodgy Creek (nee Wagga Wagga). The town’s population is dwindling and so are the number of people wanting to play AFL. There’s a reluctant coach, an influx of refugees who have moved into a town with tough locals, a bright idea to tap into all this talent to rejuvenate the hapless local club and an unaccepting club president played by John joined by his perky wife played by Penny. It’s a great combination of Aussie characters, back stories and humour which will be unleashed on local movie theatres from the end of August. Penny, 61, has had a busy life since she shot to

fame as the fresh-faced veterinarian Vicky in the iconic 1980’s television series A Country Practice; funnily enough, alongside John Howard. She has raised a daughter, looked after her ageing mother prior to her death and now watches over her step-mother who has dementia. “There were things I had to say no to because I wanted to be around for her (daughter),” Penny said. “She is now in West Australia at acting school. And I was caring for my mother so that limited my commitment to stuff that I could do.” Fitting her career into that busy family life was a challenge, but Penny has kept her hand in acting with plays and musical theatre productions, working with the corporate sector and some commercial station and ABC television shows. She has also worked alongside some fascinating characters in her MC roles including

former US president Bill Clinton and Prince Charles. On top of all her out-front work, in the background Penny is also an Australia Day ambassador. She is also on the board of the young people’s theatre company, Monkey Baa. “We are presently touring Josephine Wants to Dance all over Australia,” an enthusiastic Penny said. “It’s great for not only kids to come and see it, but also for adults and grandparents who love taking their grandchildren.” She says The Merger is a movie made up of a combination of many things. “It’s very silly, but it deals with bigotry and racism and with good wins in the end, with a lot of laughs and tears along the way,” Penny said. The Merger’s national premiere is in Wagga Wagga on August 28 before showing in cinemas across Australia.

SENIORS \\AUGUST, 2018

NEWS

Fix pension stop poverty Benevolent Society lobbies government FIXING the problem of over 500,000 older Australians living in poverty is proving difficult for the Benevolent Society team driving the Fix Pension Poverty campaign. They know an adequate Aged Pension is needed. They also know the Federal Government needs to support free dentistry for people on the Aged Pension, a significant increase in Commonwealth Rent Assistance and introducing a new broadband supplement. Joel Pringle is the advocacy voice of this vital campaign. The passionate changemaker says the Society’s drive to focus on the aged pension has been fuelled by its 2016 Adequacy of the Aged Pension in Australia report. “What we heard directly from people was

some tough stories,” Joel says. “People were mashing their food to avoid seeing a dentist because they have an ache and dental costs are the highest out-of-pocket costs in the Australian health system. We heard from people who are turning off hot water systems in summer because ‘we don’t need hot water in summer; it’s warm enough and we can shave a few bucks off to help me pay a few other bills’. “We know for some people, they can have a comfortable life living on the Aged Pension, if you own your own home and you have health costs, if you are a couple. There is a disproportionate number of these things which weigh upon old women.” The Society took the report outcomes to a conversation with the then

Federal Government’s minister of social services Christian Porter.” We were told ‘yes, we can see what you are saying, but this isn’t a priority for us,” Joel says. It was then the Society realised a campaign was necessary. The Fix Pension Poverty campaign was then born, in partnership with other groups, in early 2017. Since then Joel and his team have been working in particular communities – Queensland’s Hervey Bay, Maryborough, Bundaberg, Rockhampton, Coffs Harbour and eastern Adelaide. The campaign team have been building their local networks, meeting with service groups to inform them of the campaign and seeking support to push for change through the local federal member.

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

Photo: Jim DeFreece

knowledge.” While the glamour of wearing frocks and high heels has brought excitement to Robyn’s life, her genuine passion is in helping others, and the Ms World 2018 pageant has provided a platform for Robyn to spread awareness. Robyn’s 22-year-old son died of non-Hodgkin’s Lymphoma seven years ago, and she has been passionate about doing cancer charity work since. “Somehow I found pageantry and then found myself on World Class Beauty Queen magazine covers in the US and Europe,” she said. “It was inspiring and was character-building – it encouraged me to keep going.”

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which is of the highest literary merit and presents Australian life in any of its phases. First presented in 1957, the award helps to support authors and to foster uniquely Australian literature. Miles Franklin believed that “without an indigenous literature, people can remain alien in their own soil”. She also had first-hand

experience of struggling to make a living as a writer and was the beneficiary of two literary prizes herself. 2018 award The short list for the 2018 Miles Franklin Literary Award has been announced. The short-listed titles are: ■ No More Boats by Felicity Castagna (Giramondo) ■ The Life to Come by Michelle de Kretser (A&U)

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INSPIRATIONAL: Beauty Queen Robyn Canner.

IF ANYONE thought beauty pageants were only for the young they should look to Robyn Canner for inspiration. At age 60, she has claimed the title of Australia’s oldest beauty queen after being crowned Ms World 2018 in Seattle. Beating contestants from 22 countries from ages of 26 upwards, Robyn has proven age is but a number. Contestants were judged on fitness wear, evening gown, an interview and panel question. “I was up against a lot of younger women and won, so it’s one more for the oldies,” Robyn said.

“There is no stigma attached to age any more.” Robyn’s prizes included a crystal crown and $US5000. Robyn’s positive ageing mindset is a huge influence on her ability to do what she does. She is proud be the first 60-year-old Ms World, and believes age is a state-of-mind rather than life-defining figure. “I want to help other women celebrate and embrace being over 50,” she said. “I am hoping to inspire women to stop paying attention to their age number, and be fearless about making changes in their lives, and to celebrate their life experiences and

SENIORS \\AUGUST, 2018

NEWS

AUGUST, 2018// SENIORS

Talk 'n' thoughts

Gail Forrer Group Editor Issues underpinning work after 60 have emerged in a number of categories including availability, suitability and, in particular, age discrimination. The article below reflects back to us these issues and, for one person, a solution. In particular, companies extending formal apprenticeship for older workers are noted, and also that few such initiatives have been taken up in Australia. Gail Forrer PETER Brady was 68 when he decided to start the transition to retirement. His plan was to switch from full-time work to casual contracts so he’d have more time to spend

Lateral thinking: How to best use life skills

with his family and to study. However, the former CEO of Autism ACT soon hit a snag: age discrimination. “I found if I submitted my full CV, I wouldn’t get an interview,” he said. “If I truncated my experience and qualifications I’d get one, but then I’d show up at the interview and be competing against all these Gen Ys. “I’ve got no doubt there was discrimination going on.” The Australian Human Rights Commission’s Willing to Work report of 2016 found age-related bias is widespread – and particularly rife in employment. “Remarkably, the report found a high proportion of hiring managers who were taking age into account were aged over 40 themselves,” a manager at aged care provider IRT Foundation, Toby Dawson, said. While age discrim-

ination has a slew of negative impacts, including those on mental health, families and financial independence, it was also regrettable from a broader economic perspective. A 2015 survey by the Australian Human Rights Commission found an increase of just five per cent in the paid employment of Australians aged over 55 would have a $48 billion impact on the economy each year. With the number of Australians aged 65 and over projected to double by 2055, there will be an increased demand for aged-care services and additional strain on the welfare system if greater labour force participation was not achieved. While the Willing to Work report urged the government to create a national action plan to address employment discrimination and to launch public education campaigns to dispel

negative stereotypes about older workers, some have started taking matters into their own hands. Mr Brady said he was delighted to be offered a reverse internship by IRT’s Toby Dawson, who at the time was 31. The idea came from the movie The Intern, starring Robert De Niro and Anne Hathaway, in which a 70-year-old widower interns at a fashion company run by a CEO half his age. “It just so happened The Intern had come out and we’d both seen it. We talked about it at the interview and decided that’s what we’d do,” Mr Brady said. “My role was to share some of the tricks of the trade and where I had skinned my knees, so to speak. At the same time, Toby was managing transitioning me to a more junior role – he was coaching me in how to do it again.” Mr Brady didn’t want to

stop working completely and working 40 hours a month would allow him to put the money he’d made from selling an investment property into his super fund. However, he understood if he wanted to work fewer hours, he would need to take on a more junior role. “When you go for those senior roles, they’ll start off saying 20 hours a week is fine but within a matter of weeks it becomes, ‘Can you give us another day?’ Or the board is calling you up at all hours. It’s difficult to be a part time CEO or manager, because crises inevitably come up.” The role he was offered as a project coordinator at IRT allowed Mr Brady to brush up his social media skills and to learn how to use newer Microsoft Office applications; tasks he previously delegated. He said the first year of the 18-month internship was challenging, partly because it required a change of mindset.

“When you’re no longer the manager and not directing people any more, it’s emotionally a bit draining,” he said. But he said the experience was invaluable because he had since moved to work for Wollongong City Council where he was employed on a casual basis. It was also a win for Mr Dawson, who said working with Mr Brady fast-tracked his own learning and development. Companies such as Barclays Bank in the UK and Goldman Sachs and PricewaterhouseCoopers in the US have launched formal apprenticeships targeting older workers, however there were few such initiatives in Australia. This story was originally published by bluenotes, ANZ’s newsroom for insights, opinion, research and news about the economy, financial services, investment and society, from within ANZ and outside.

Government announces solar incentive

*Other criteria exist – ask one of our friendly consultants *not including account fees. ^Estimated savings Based on 50% internal usage at 25c kwhr and 50% Fed back to the grid at 10c kwhr +Gst, shading, orientation and panel cleanliness will affect system performance.

Shake down your power bill Make the switch to solar energy and save 5.5 kW From

$4500

Normally

$5121

20 x 275 watt Luxen panels + 5kW X1 Boost Dual MPPT Solax inverter For a free on site solar assessment call:

1300 18 20 50

or visit: www.saegroup.com.au 6657868dv

THE Queensland Government has announced a brand-new incentive to help homeowners take back control of their electricity bills and combat the rising cost of energy. If you’re a homeowner, then now really is the best time to make the switch to solar energy with the government providing interest free loans of $4,500 to be paid back over 7 years. SAE Group have brought to market a compelling offer specially designed for QLD homeowners looking to take advantage of this government initiative, making it even easier for you to make the switch. For only $4,500 you could enjoy the benefits of a 5.5kW solar bundle, comprising of 20 x 275-watt Luxen panels and a 5kW X1 Boost Solax inverter. This is a highly efficient system designed to drastically reduce your household electricity bills for 25+ years. How much could you save? Let’s start with the amount you would have to repay each month. With a loan of $4,500 being paid back over a 7-year period, that’s only an estimated monthly repayment of $54, or $643 annually*. Compare this with the average savings of $130^ a month, or $1560 a year, that the 5.5kW system installed by SAE Group should create for your home. That’s a saving of $76 each and every month from the get go, or $912 a year. What about over the 7-year period? You could save $6,384 PLUS the value a solar system adds to your property which you will own outright after the finance period. Are you eligible? An interest free loan combined with this incredible offer from SAE Group make it obvious why homeowners are already acting fast to secure their loan before the fund is exhausted. However, to be eligible you must be a QLD homeowner, receive Family Tax Benefit Part B, and have had a power bill of more than $1,000 over the past 6 months ($500 or more per bill)*. If you are eligible, then you’ll have to purchase the system from a Clean Energy Council ‘Approved Solar Retailer’ such as SAE Group to ensure installations are only through trusted retailers. The team at SAE Group are Master Electricians first and foremost 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 this incredible offer, then call SAE Group 1300 18 20 50 or jump on their website www.saegroup.com.au.

*This offer is not available with any other offer. Price includes racking and installation. Net meter changeover not included. Smart meter not included. Finance options are available, subject to lending criteria eligibility. Terms and conditions, fees and charges may apply. Travel charges apply 100km outside from SAE ofﬁce locations. Electrical Licenses: QLD: 72250, NSW 227526C

SENIORS \\AUGUST, 2018

Men’s health: Chesty body panels check IT DOESN’T matter whether you are in your 60s, 70s or older, it’s a good time to check out the uppper body panels: your chest. You can use the following check list from Foundation 49 for some of the items you should consider talking to your GP about and to find out more information. ■ Asthma (air/fuel mix) – asthmaaustralia.org.au. ■ COPD (air/fuel mix) – includes emphysema, chronic bronchitis and chronic asthma lungfoundation.com.au/ patient-support/copd/ ■ Blood Pressure (oil pressure) – heartfoundation.org.au/ your-heart/know-yourrisks/blood-pressure. ■ Heart risk factors (clean fuel lines) – heartfoundation.org. au/your-heart/know-your -risks/heart-attack-riskfactors. ■ Heart disease (broken

Wellbeing

Time to consider your prostate health Doctors are encouraging middle-aged Aussie blokes to have their prostate checked. Their call coincides with an article published in MJA Insight citing benign prostatic hyperplasia (BPH) – or a benign enlargement of the prostate. While the disease cannot be prevented, there are many options available to improve the symptoms of BPH. Oral medications can be prescribed by a GP or

specialist. BPH worsens over time if not treated. Various tests are available to determine whether symptoms are indicative of BPH or another condition.

heart). heartfoundation. org.au/for-professionals/ clinical-information/. coronary-heart-disease. ■ Type 2 Diabetes (fuel

injector blockage) – diabetesaustralia.com. au/type-2-diabetes.

If you suspect that you, or a loved one may have symptoms of BPH, talk to your GP and check the severity of your symptoms: disappearingdave. com.au

Go to: malehealth.org.au.

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

Photo: Men's Health

World-first emergency dept intervention service for elderly THE unique Geriatric Emergency Department Intervention program, which was conceived and tested in a small hospital in regional Queensland, has the potential to go worldwide. The program is a fast-track hospital emergency department program designed specifically for frail elderly patients, mostly aged about 70 and over. Often these potential patients arrive at emergency as the first stop when a key medical issue arises and, for example, their GP is not immediately available. The patient is then placed into the hospital system immediately. However, it’s not always necessary for this person to have hospital admission and be submitted to the often very stressful, high-pressure department. University of the Sunshine Coast program research leader and program co-designer, Professor Marianne Wallis said, “If you are

increasingly frail, maybe with some mild cognitive impairment or some other age-related condition, then emergency departments become very confusing places; there are bright lights, noise, machines going ping. They can worsen mental functioning; people can become quite anxious and confused.” “What these patients need is for someone to work out what care is required for the patient. This is where GEDI comes to the fore. “A team of gerontology-skilled ED nurses, dressed in bright and easily identifiable pink uniform, are on hand. Attached to the team is an ED doctor who acts as the medical lead and communicates with other doctors on the GEDI patient’s needs and status.” Where the service starts is when a frail person arrives at the ED. The primary ED nurse will call in a GEDI nurse to review an admitting patient.

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

Photo: Lou O'Brien.

“Those nurses are specially equipped to make detailed assessments of frailty and particular issues that relate to older people,” Prof Wallis said. “They then have direct referral pathways such as straight through to the

orthopaedic surgeon or the aged care team or to community services if the GEDI nurse believes the patient would be better looked after by that group. “The GEDI nurses can organise for people to be safely transported back home, and put in place

better care. “With the appropriate care at home these people then avoid the stresses of medication and routine changes, disorientation and confusion – all of which can happen when an elderly person is pushed

into the ED.” The program is in place at two Sunshine Coast hospitals. It will be rolled out in Cairns and Ipswich before an implementation training program will be developed and offered Australia-wide.

WELLBEING

AUGUST, 2018// SENIORS

Seniors tick off ‘bucket list’ virtually EVER wanted to walk through the tall forest of North America or soar through the clouds as you take the plunge skydiving – but never leave the comfort of your own couch? The dream may be closer than you think! Samsung Electronics Australia and Uniting have teamed up to provide the aged care provider’s residents the chance to “tick off” their bucket lists using virtual reality (VR). “What I’ve seen today is our residents really come to life as they’ve shared the experience of what they had,” Uniting executive director Tracey Burton said. “And we’ve also had life-long dreams of seeing the Red Wood forest in Canada and Vancouver.

“It’s just been a wonderful experience.” Visiting five facilities in New South Wales and the ACT, the pilot program is hoping the immersive technology can stimulate positive wellbeing, reduce isolation and support social integration as current studies continue to research the effects of VR technology on people living with dementia and pain management. Uniting War Memorial Hospital Associate Professor Nick Brennan said the technology could allow seniors to take a trip away from the everyday. “Studies suggest that virtual reality can have a therapeutic effect and stimulate the brain,” he said. “Providing new adventures for these

Six tips to boost your immune system THE downside to ageing is our immune system tends to struggle with winter ills such as respiratory tract infections. Just having an annual flu injection isn’t enough. It’s a misconception that this jab will cover you for all respiratory illnesses, Gold Coast holistic GP specialist Dr Cris Beer says. “It just covers you for influenza,” she said. “It’s one of the thousands of respiratory viruses we can contract during the winter months, So, it’s important to look after your whole immune system all the time. You can start by using Blackmore’s online two-minute Immune Health Check at: immunehealthcheck .com.au to test your immune health. Then you can boost your immune system using the following six tips from Dr Beer. Nutrition Fuel your body with a healthy dose of fresh fruits, vegetables, wholegrains and

fibre-rich foods to provide your body with the nutrients it needs to stay healthy in winter. Good food choices include oranges, berries, kiwifruit, and natural sources of prebiotics like yoghurt, garlic, kefir, kimchi, onions and leeks. Hydration Water, water, water drink at least eight cups a day to help flush away unwanted toxins. . Herbal tea or hot lemon water can also be the perfect addition. Sleep Restorative, good quality sleep is vital for winter wellness, as it’s when your body has the chance to rest and repair. Exercise A healthy and strong body can work wonders for supporting your immune system so get moving with regular, moderate exercise. Vitamin D While you might be frightened about skin cancer, you still need to get a daily dose of natural Vitamin D. Hygiene Be vigilant with washing your hands regularly.

patients can help to reduce stress and boredom and creates new ways for them to interact with their peers.” Samsung’s Martin Brown said the opportunity to work with Uniting and its resident was a chance the company didn’t want miss. “We strive to develop technology that can make a difference in the lives of Australians,” he said. “We aim to support and facilitate their efforts by finding new ways to deliver their services, like improved healthcare offerings. “We’re looking forward to undertaking this pilot with Uniting and taking their residents to places they’ve only ever dreamt about.”

NEW EXPERIENCES Virtual reality technology can take you the place you only dreamed of.

It’s never too late to vaccinate FLU tends to strike from late July and into August, so if you haven’t had a flu shot yet, it’s best you head to your GP and get it done. For anyone aged 65 and over, the vaccination is free. Professor Kristine Macartney from the National Centre for Immunisation Research and Surveillance says seniors should ask for either the FluAd or the FluZone high-dose enhanced vaccines. “They are both designed to give a stronger immune response and they do it slightly differently,” Professor Macartney said. With the standard dose “four-in-one” vaccine, or one of the two enhanced vaccines in your system, you reduce your risk of the flu by about 50 per cent. And, the more people who are vaccinated, the less chance of the flu spreading. “If you already had the four-in-one standard dose vaccine, that should be good protection,” Professor Macartney said. It’s not recommended to receive both the standard dose and an enhanced dose in the one flu season.

IMMUNISATION: This is one method of prevention. Other tips from Professor Macartney are ■ It takes a few weeks for the immune response to kick in. ■ The vaccination has its best effect in the first three to four months after the injection. It then wanes after that. ■ We should have the influenza vaccination

every day. ■ The best time to have the injection is in April or May, depending on when it becomes available. ■ It doesn’t matter what age you are, you should get vaccinated every year. “Flu vaccines don’t prevent all flu in everyone,” Professor Macartney said. “They’re

not 100 per cent protective. They reduce the risk of getting flu by about half.” It’s well-known that flu is a nasty illness. “It can lead to terrible consequences, particularly in older people who can go on to have such things as pneumonia, secondary bacterial infections,” Professor Macartney said. “It’s even been associated with an increased chance of heart attack and other cardio-vascular problems in the weeks following the flu. It can tip people into a very frail state. They can go from living quite independently to then perhaps needing to be in nursing home after a bout of flu.” Professor Macartney says while the vaccines are generally safe, the enhanced vaccines may cause a small amount of pain and redness at the injection site. “They have been used overseas for a number of years and we don’t have any safety concerns,” Professor Macartney said. She is encouraging anyone who experiences side effects to register the details with www.ausvaxsafety.org.au to aid data collection.

SENIORS \\AUGUST, 2018

LIFT OUT

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

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Lower fees in Home Care

FEATURE

AUGUST, 2018// SENIORS

QUEENSLAND SENIORS WEEK 2018

Are you sick of having different carers arriving at your door? HOME Care Assistance provides in-home support for people aged over 65 or with a disability. They pride themselves on being on the forefront of industry reform, by offering clients choice and control over their services and delivering a high-quality, personalised service with lower fees. One of their main focuses is carer consistency – having one or two carers that you know well, and that know your routine and wishes. If you want to contact Home Care Assistance, you can call any time of day or night and there will be a friendly voice to answer your query and support you needs. A big focus of service delivery is consistent carers so you know who is coming and they get to know your routines and wishes. Home Care Assistance has very high rates of client satisfaction. One client recently said: “With our old provider I was banned from being present at the services. I felt sick ringing them because of the way they treated me. Since March when we changed to HCA, we are stress free and so happy. The quality of life has returned for both of us and we want to tell the world.” Home Care Assistance has

PEACE OF MIND: Home Care Assistance strive to provide the best service. Care managers are on call for clients and their families, even during nights and weekends. moved away from the traditional way of delivering home care services that is very task based, to a more holistic model where social connections, brain health, nutrition and personal happiness are focuses of care planning. Home care is very much

about supporting you to have quality of life and achieve the things you want, not about someone coming in and taking over. It can support you with anything that relates to your care. Home Care Assistance also

offers specialist programs in cognitive therapeutics to keep the brain strong and healthy, and more recently, a music and memory program. The results are amazing and just add to the quality care and amazing caregivers they have. Value for money is also

important at Home Care Assistance, with lower fees, and no entry or exit fees. This means there is more money for you to spend on the things that matter to you. Phone 5491 6888 for more information.

Experience the extraordinary range of events for you and me WELCOME to our Qld Seniors Week feature. Our community is celebrating with a far-reaching range of activities, which means our Calendar of Events and community notes host of colourful, creative and practical workshops, programs and entertainment. Through employment, caring, volunteering, grandparenting, cultural and sporting pursuits, preserving our history and guiding our

future, seniors are vital to our community. Seniors Week is when we recognise and celebrate and enjoy this wide range of roles. This month why not try something a little different and consider participating in the Mini-Olympics event advertised in our calendar, that sounds like an event that holds the sort of attributes, fun and healthy activity, that many in our age group would enjoy. If you prefer more of an indoor activity, it seems a number of libraries in the Wide Bay area have taken the

opportunity to schedule in technology classes. Forget wondering about how to use the vast range of technology in our midst, book yourself into a local tech-savvy class and start learning. During Seniors Week, there really is no time like the present. It’s so easy to take a photo, but if you want your snaps to show off the true colours of your family, friends and holiday, then there are a few tips that will take you from amateur to fantastic. Seniors Week is a

recognition of the importance of older people within our community it aims to involve people of all ages to work together to create age-friendly communities. As COTA CEO Mark Tucker-Evans said: “There are now 1.5 million Queenslanders over the age of 50 years and we are defying the images of what life is like in our 50s, 60s, 70s, 80s, 90s and beyond”. Happy Seniors Week! Gail

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Gail Forrer Seniors Group Editor

SENIORS \\AUGUST, 2018

FEATURE

QUEENSLAND SENIORS WEEK 2018

Event Calendar

■ Tech Savvy Seniors Cards Be Gone at Rainbow Beach 11am-12noon Lighten the load and clear your purse of all those rewards cards. We can show you how to save all your cards on your smartphone. Venue: Rainbow Beach Library, 32 Rainbow Beach Road, Rainbow Beach. Cost: Free Contact: Bookings required on 5486 3705. ■ Seniors Week Cameras and Photography 12noon-12.30pm Celebrate Seniors Week in 2018 at the Tin Can Bay Library. Join the Tin Can Bay Camera Club for a session on cameras and photography. Venue: Tin Can Bay Library, 47 Tin Can Bay Road, Tin Can Bay. Cost: Free Contact: Bookings required 5486 4355.

TUESDAY, AUGUST 21

■ Mahjong Basics at Tin Can Bay 12.30pm-2pm Celebrate Seniors Week in 2018 at the Tin Can Bay Library. Join the Tin Can Bay Mahjong group to get an insight into this ancient game. Venue: Tin Can Bay Library, 47 Tin Can Bay Rd, Tin Can Bay. Cost: Free Contact: Bookings required on 5486 4355.

WEDNESDAY, AUGUST 22

■ Destination: Gympie Library 10am-12noon Join us for a bit old style slideshow fun – with a modern twist. We will be holding a travel slideshow morning with pictures taken by our staff. Visit countries like Canada, Japan, Scotland, Uganda and France all from the comfort of Gympie Library. Enjoy a chat and a cuppa while watching the world go by.

Venue: Gympie Library, 8-14 Mellor Street, Gympie. Cost: Free Contact: Bookings required by August 20 on 5481 0859. ■ Open Day APSL 10am-11am Open Day Australian Pensioner & Superannuants League. Venue: APSL Hall, 61 Hunter Street, Pialba. Cost: Free Contact: Phone 4124 8532 for more information. ■ Songs of Praise 10am-11am This event is sponsored by Bayside 60+, a ministry to those over 60 who are still working and retired. Light morning tea provided after performances. Everyone is welcome, no matter your age. Venue: Bayside Christian Church, 18 Neils Street, Pialba. Cost: Free Contact: Phone: (02) 4124 2436 for further information. ■ Uke Central at Tin Can Bay 11am – 12.30pm Come and listen to the local ukulele club and learn to play a song. Venue: Tin Can Bay Library, 47 Tin Can Bay Rd, Tin Can Bay. Cost: Free Contact: Bookings required by 21 August on 5486 4355.

THURSDAY, AUGUST 23

■ Cooloola Nature Talk 9.30am-10am Learn about the intricate nature and wildlife of the Cooloola Coast. Venue: Tin Can Bay Library, 47 Tin Can Bay Rd, Tin Can Bay. Cost: Free Contact: Bookings required on 5486 4355. ■ Seniors Safety discussion 10am-12noon Seniors Safety with Hervey Bay Police Coffee and chat. Venue: Halcro Street Community Centre, 30

LET GO: Read up on the event calendar and choose an actvity to suit you. Halcro Street, Pialba. Cost: Free ■ Tech Savvy Seniors Cards Be Gone 10am-11am Lighten the load and clear your purse of all those rewards cards. We can show you how to save all your store and rewards cards, including your library card, on your smartphone. Venue: Gympie Library, 8-14 Mellor Street, Gympie. Cost: Free Contact: Bookings required by August 22 on 5481 0859. ■ Tech Savvy Seniors Smartphones Q & A 10am-12noon Need help with your smartphone? We are here to help. Join us for an “answer your question” session on smartphones. Spaces are limited, and bookings are essential. Venue: Kilkivan Library, 31 Bligh St, Kilkivan. Cost: Free

Contact: Bookings required by August 22 on 5484 1209. ■ Tech Savvy Seniors – Cards Be Gone 2pm-3pm Lighten the load and clear your purse of all those rewards cards. We can show you how to save all your store and rewards cards, including your library card, on your smartphone. Venue: Tin Can Bay Library, 47 Tin Can Bay Rd, Tin Can Bay. Cost: Free Contact: Bookings required by August 22 on 05486 4355. ■ Tech Savvy Seniors – Smartphones Q &A 2pm-4pm Need help with your smartphone? We are here to help. Join us for an “answer your question” session on smartphones. Spaces are limited. Venue: Goomeri Library, 5 Moore St, Goomeri. Cost: Free

Photo: Contributed

Contact: Bookings required by August 23 on 4168 4340.

information.

SUNDAY, AUGUST 26

■ Mini Olympics 10am-12noon Wheelchair accessible (inside the centre if raining). Includes Morning Tea. Venue: Halcro Street Community & Garden Centre, 30 Halcro Street, Pt Vernon. Cost: Free.

■ Seniors Talent Quest 1pm Applications available from Halcro Street Community Centre. Venue: Hervey Bay RSL Club, 22 Torquay Road, Pialba. Doors Open 12.30pm. Cost: $5 Contact: Phone 4194 2441 for more information. EXTRA DATES

TUESDAY AUGUST 28

■ Mystery Bus Trip 8am sharp departure Venue: Hervey Bay & District Seniors Citizen Club, 28 Totness Street, Torquay. Cost: $35. Book and pay at venue. Contact: Phone 4128 4837 for more

THURSDAY, AUGUST 30

FRIDAY, AUGUST 31

■ Tombola 11.30am start, heads down 1pm Venue: Hervey Bay & District Senior Citizens Club, 28 Totness Street, Torquay. Cost: Tickets from $2.50. Contact: Phone 4128 4837 for more information. DISCLAIMER: Dates and times are printed as given to us. No responsibility is taken for inaccuracies.

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MONDAY, AUGUST 20

FEATURE

AUGUST, 2018// SENIORS

QUEENSLAND SENIORS WEEK 2018

Subsidies to celebrate a Queensland for all ages Government support for Seniors Week

MORE than 100 seniors groups and organisations from across Queensland have shared in $100,000 from the Palaszczuk Government for a range of events and activities to celebrate Seniors Week 2018 from August 18 to 26. Minister for Seniors Coralee O’Rourke announced on May 28, the recipients of the subsidies, congratulating them on stepping up to help celebrate a Queensland for all ages during this important week. “Seniors Week is one of the most prominent activities in Queensland’s calendar for older Queenslanders, celebrating our age-friendly communities and building stronger intergenerational relationships,” Mrs O’Rourke said. “The successful recipients of these subsidies, including community organisations and local councils, will host a series of diverse events and activities right across Queensland for

TIME TO CELEBRATE: Check out the special activities, classes and entertainment this Seniors Week. Seniors Week. “This year, Seniors Week will again embrace the theme ‘Celebrating a Queensland for All Ages’, which reinforces our commitment to create an age-friendly Queensland.” Seniors Week is coordinated by the Council on the Ageing (COTA) Queensland which receives funding from the

Palaszczuk Government to collaboratively plan, run and subsidise Seniors Week events and activities. Council on the Ageing Queensland Chief Executive Mark Tucker-Evans said hundreds of event organisers would facilitate more than 700 events and activities across

Queensland during Seniors Week. “These events and activities provide opportunities for people to learn and share in new experiences, celebrate with family and friends and discover services which provide support to reduce social isolation for seniors throughout the state,” Mr Tucker-Evans

said. “COTA provides an easy to use online calendar of Seniors Week events and is pleased to support all organisations arranging activities to further develop intergenerational connections within communities.” To find out more about Seniors Week, register a Seniors Week event or

view the online events calendar go to cotaqld.org.au or phone COTA Queensland on 1300 738 348. For more information about support and services for older Queenslanders go to qld.gov.au/seniors/.

Citizen of the Year recognised in annual awards Gympie Mayor Mick Curran said that there was no shortage of potential nominees within the community. “We have incredible seniors in the Gympie region, who achieve

amazing things and generously donate their time to a number of community and sporting groups, organisations and charities,” he said. “The awards are given in both male and female

categories.” The awards will be announced at the Seniors Concert and Morning Tea, held at the Civic Centre on Tuesday, August 21 from 10.30am. Gympie Regional

Council hosts the awards as part of Seniors Week, which is from August 18 to 26. A number of events are planned including the 4th Annual Seniors Week Duckpond Dash and

Kilkivan Seniors Week Luncheon, as well as a variety of activities at the library branches. Info: go to gympie.qld.gov.au/ seniorsweek.

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THE annual Senior Citizen of the Year Awards recognise persons aged 60 years and over who have made a significant contribution in the past year to the local community.

SENIORS \\AUGUST, 2018

FEATURE

QUEENSLAND SENIORS WEEK 2018

Community group guide

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.

Fraser Coast WE HAVE a special luncheon meeting in September 6. One of our own members, Denise Kay, is our guest speaker to our theme of "Story Books". Denise is prolific writer of various genres poetry, novels, short stories including children's books. Her work was for an extended time featured regularly in the Courier Mail and Denise has been the recipient of a multitude of awards. Testament to her success as a published author is her winning of a 2 year scholarship from the Australian Literary Board. Denise will speak at our meeting starting at 11.30am at the Clubhouse, cnr. Tooth St and Old Maryborough Rd. Visitors are most welcome. Phone Dianne by September 3 for more information or to book on 0409 270 712. Gympie OUR club recently held its 20th birthday party. The theme was "Roaring 20’s". As well as Gympie members there were 17 visitors from Fraser Coast and Hervey Bay Clubs. The entertainment troupes were the "Moonshine Cloggers" and "Gusto" Ukulele Group. Both groups joined in the fun and dressed in Roaring 20’s outfits as well. A fun time was had by all. We meet on the third Friday of each month at the RSL Orchid Room in Mary Street. Cost $22 (includes two-course lunch and raffle tickets and a guest speaker). New members welcome. If attending, phone Esme on 5483 3532 by the Wednesday before the meeting for your meal can be ordered.

Hervey Bay OUR meetings and luncheon are always the second Monday of each month at the Club House, Tooth Street, Pialba from 10.30am and usually includes a Guest Speaker. Monthly socials are on the forth Monday at various venues from 9.30am. Two very interesting men from the Fraser Coast Bird Club were our guest speakers in July and spoke of their love of birds from tiny finches to the big Macaws. Our monthly Trading Table is very popular with all money raised going to the Smith Family to help our Student for Life with their education. New or interested ladies are always welcome to join our fun and friendly club. Contact Mary on 4128 3908 or email herveybay.viewclub95 @gmail.com.

FRASER FILLIES: Fraser Coast VIEW Club members dressed up for "Derby Day" theme at the August luncheon meeting.

MULTIPLE SCLEROSIS

THE Hervey Bay and Maryborough Multiple Sclerosis Support Group meet on the first Friday of each month on the Deck at the Hervey Bay RSL at 10am for a coffee and a chat. Monthly meetings continue to be well attended and with new and recently diagnosed members joining us and sharing their own journeys with MS helps us all. Our new RSC (Regional Services Coordinator) Matt Dunford, stationed in Bundaberg has commenced work and will catch up with us all as he works his way through his new territory. We are always welcoming of anyone with MS to join in. Phone Bev on 4128 2692 or email bev_cornwell @hotmail.com.

Dot Johnson, Patti Hardy and Heather Wiggett at Bargara & District Mixed Probus Club’s 27th birthday.

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 rights; Advice on Enduring Power of Attorney

documents; Referrals to other support, legal and consumer services and Community education. For more phone 4124 6863 or call into their office situated at Shop 6, 16 Torquay Road, Hervey Bay (opp RSL) on Monday to Friday 9am to 3pm.

PROBUS CLUBS

Bargara and District Mixed IN 1991 our Club was born and, as we celebrated our 27th Birthday this month, we were reminded by our President John Gooding of

Robin Scott, Joyce Riley, Peggy Hawes and Rita Sengstock enjoying their soup and crusty bread at the Hervey Bay VIEW Club's July social. all the happy years so many of us have shared in this great club. Our three Life Members, Dot Johnson, Patti Hardy and Heather Wiggett cut the cake and 62 members and visitors enjoyed morning tea. Two new members were also inducted on this special day bringing our membership to 89 while one of our long term members and past president, Bob Hill, was guest speaker. We meet at Bargara Golf Club on the second Wednesday of each month, 9.30am for a

10am start. There is a guest speaker and morning tea is served. Meeting fee is $5. Information about our Club is available from Ray on 4154 7775. Mixed Hervey Bay Inc. WE WILL meet on Thursday August 23 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 along and meet new friends and enjoy the view CONTINUED ON PAGE 18

Home Care assistanCe Using your Home Care Package to meet your needs sunshine Coast 5491 6888 | Wide Bay 4181 1577

6809882ad

VIEW CLUBS

FEATURE

AUGUST, 2018// SENIORS

QUEENSLAND SENIORS WEEK 2018 FROM PAGE 17 of our beautiful marina. Doug Irvine will be the guest speaker, speaking about native bees which are crucial to pollination and the future of our food chain. 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. Inquiries with Judith on 0458 008 087.

BUNDABERG PCYC MARKET

THE Bundaberg PCYC will hold a market on Sunday, September 9 at the Multiplex at 1 Civic Ave (off Walker St). The canteen will be open from 7.30am and the market running from 8am. There is no better place to be if you enjoy good food and lots of great bargains. There are new stalls each month and always a great variety of goods on offer. Beautiful orchids, plants, jewellery, gift cards, toys, Books, Clothes, Cake as well as other items. For more information or to book a site phone 0488 222 998 or email Sherrie at bundabergmarkets @pcyc.org.au.

Speakers Peter Bugge and Paul Martin of Fraser Coast Bird Club receive a certificate from Jen Windebank.

BUY A BALE FUNDRAISER

CARLYLE Gardens Retirement Village will hold a garage sale and open day on Saturday, September 8 with all proceeds going to rural fundraising campaign, Buy a Bale. Running from 10am to 2pm in the village community centre, the friendly community

event will include a range of stalls and a sausage sizzle. Buy a Bale supports Queensland’s farmers by supplying fodder and other essential items in areas affected by severe drought, which now includes over half the state. Everyone is welcome to attend the event at 3 Carlyle Court, Bargara.

STYLISH: VIEW club members Glynis Vallmuur, Carol Tonagh and Esme Patterson.

Are you getting the most value from your Home Care PaCkage?

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We are an approved provider of Home Care Packages. Ask us how you can easily switch to Home Care Assistance.

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SENIORS \\AUGUST, 2018

FEATURE

YOUR GUIDE TO

A NEW WAY OF LIVING Enjoy the best years of your life

easy

living

Enjoy a wonderful lifestyle close to everything you need. With spacious quality homes surrounded by beautiful gardens and resort style facilities the choice is easy at Argyle Gardens Bundaberg and Fraser Shores Hervey Bay. When you choose to live in one of our retirement villages you have the freedom to enjoy the things that truly matter to you in a safe and secure environment. Weâ&#x20AC;&#x2122;ll help you find the perfect place to call home. Our villages across Queensland offer a range of homes and apartments complete with contemporary kitchens, modern bathrooms and living areas designed to suit a variety of tastes.

Enjoy amazing recreational areas intended as an extension of your personal living space. We welcome you and your visiting friends and family to relax, socialise and enjoy a peaceful or active lifestyle.

ARGYLE GARDENS BUNDABERG

FRASER SHORES HERVEY BA AY

Phone 07 4191 9115

Phone 07 4148 7111

The best way to really get a feel of our villages is to take a personalised tour and meet some of our residents.

Argyle Gardens Bundaberg residents enj oy Q iG ong

FEATURE

easy

AUGUST, 2018// SENIORS

choice

Enjoy a wonderful lifestyle in a great location. Our retirement villages are within easy reach of local transport, shops, clubs and medical services. Choose from fully self-contained one, two and three bedroom homes and apartments. Secure parking. Access to Blue Care Help at Home services as you need it. Be part of a friendly welcoming community. Meet new friends. Join in the social activities. Our villages provide the safety, security, comfort and support you need for this stage of your life.

2&3 BEDROOM HOMES AVAILABLE FROM

$293,000*

Fraser Shores is Hervey Bay’s ultimate retirement lifestyle. Easy Choice

SPACIOUS AWARD WINNING HOMES

Simply lock-up and leave. Our range of spacious, quality brick and tile homes are surrounded by five-star resort facilities that include a community centre with bar and dining areas, stage and dance floor, library, fitness centre, pool, full-size bowling green, RV, caravan and boat storage.

AMAZING RECREATIONAL FACILITIES

Life’s Easy

RV, CARAVAN & BOAT STORAGE

At Fraser Shores, you have time to pursue your hobbies and interests. Our year-round program of social activities and events gives you the opportunity to meet new friends and be part of a friendly, welcoming community.

BLUE CARE HELP AT HOME SERVICES

Within Easy Reach

YEAR ROUND SOCIAL ACTIVITIES

TO BOOK AN INSPECTION CALL 07 4148 7111

Fraser Shores has everything you need for a wonderful lifestyle. Centrally located with easy access to shopping, the bay, beaches, boat harbour, sporting clubs and state of the art health precinct. You can also access a range of Blue Care Help at Home services as needed. *Price valid for typical 2 bedroom home at time of print.

Visit 58 & 100 Nissen Street, Hervey Bay • www.frasershores.com.au • Email info@frasershores.com.au

SENIORS \\AUGUST, 2018

FEATURE

secret

UNCOVERING A BEST-KEPT

IN BUNDABERG

“The best thing to do around here is eat!” After living a nomadic caravanning life and raising children, Bundaberg has been our home for over 40 years. Following Norm’s stroke, we decided we needed a smaller abode with less home maintenance and mowing, and the security of 24 hour support. Why did we choose Argyle Gardens? Of all the retirement villages in Bundaberg, it is the only one that doesn’t flood, is within walking distance of three major supermarkets and has a bus stop right outside the Administration building. The best thing about life here is the people! Our neighbours, the staff and others we meet. It might be the nation’s best-kept secret but the best thing to do around our city is to eat! We have such a wide variety of readily available foods, and plenty of restaurants with great chefs. We should mention our beaches too. No long, frustrating drive on the Bruce Highway or M1 - the waves, the sand and the sun are right here for the taking.

Norm and Robyn enj oyi ng their new home

at Argyle Gardens Bundaberg

Robyn Saint

1 BEDROOM VILLAS START AT

$125,000*

Argyle Gardens is Bundaberg’s best retirement location. Easy Choice

CLOSE TO EVERYTHING YOU NEED

A range of low maintenance, spacious, quality, brick and tiles homes. Surrounded by beautifully landscaped gardens and resort facilities including a bar and dining facilities, auditorium and dance floor, indoor bowls and billiards, pool and outdoor bbq area, hobby room, library, and hair salon.

EXTENSIVE COMMUNITY FACILITIES

Life’s Easy

RV, CARAVAN & BOAT STORAGE

At Argyle Gardens, you have the time to pursue your hobbies and interests. Our weekly program of social activities gives you the opportunity to meet new friends and be part of a friendly, welcoming community.

BLUE CARE HELP AT HOME SERVICES

Within Easy Reach

YEAR ROUND SOCIAL ACTIVITIES

TO BOOK AN INSPECTION CALL 07 4191 9115

Everything you need for a wonderful lifestyle, including access to a range of Blue Care Help at Home services. Conveniently located in Twyford Street at Avoca, just a short walk to Stockland Shoppingtown and Brothers Sports Club. *Price valid for typical 1 bedroom villa at time of print.

Visit 90 Twyford Street, Avoca • www.ArgyleGardensBundaberg.com.au • Email info@ArgyleGardensBundaberg.com.au

FEATURE

AUGUST, 2018// SENIORS

within

Townsville

Mackay

“Living here is so easy and low maintenance with no gardens to mow we have the freedom to do what we want.”

We have retirement villages located across Queensland. With over 60 years of experience and owned and operated by Blue Care, one of Australia’s leading and trusted care providers means your future is in safe hands. Blue Care is committed to enhancing your lifestyle and helping you maintain your independence and freedom. We are passionate about providing personalised and tailored services that respond to your choices and interests, when you need it. You’ll have peace of mind knowing you can access additional care and support if and when you need, as you continue to live life your way. For more information about our other villages www.easylivingretirementvillages.com.au

easy reach

Rockhampton

Bundaberg Hervey Bay

Toogoolawah

Redcliffe

Kallangur Lawnton

Deagon

Sunshine Coast Toogoolawah Toowoomba

New Farm

Brisbane

Ipswich Logan

Wynnum West Manly West

Carina

West End

Gold Coast

Alexandra Hills

Kenmore Brassall

Sunnybank Hills

Stanthorpe

Springwood

Bethania Loganholme

Carbrook

SERVICED APARTMENTS at Argyle Gardens Bundaberg

AVAILABLE FROM

$75,000*

Serviced Apartments give you the support you need to live life your way. Easy Services Access a variety of delicious and nutritious meals prepared daily, with a full service option available where our friendly staff clean your apartment and change your bed linen and towels.

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

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

CLOSE TO EVERYTHING YOU NEED EXTRA IN-HOUSE SERVICES AVAILABLE NUTRITIOUS MEALS PREPARED DAILY CLEANING AND LINEN SERVICE 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 • www.ArgyleGardensBundaberg.com.au • Email info@ArgyleGardensBundaberg.com.au

Visit 90 Twyford Street, Avoca Phone 07 4191 9115 www.ArgyleGardensBundaberg.com.au

Visit 58 & 100 Nissen Street, Hervey Bay Phone 07 4148 7111 www.frasershores.com.au

SENIORS \\AUGUST, 2018

FEATURE

SENIORS WEEK 2018

Funding to help more join in song

CREATIVITY Australia is looking for individuals and organisations interested in creating a happier, healthier Australia through joining the voices of disparate communities into one song. Under its With One Voice project, the not-for-profit organisation is offering up to five seed funding grants, worth $10,000 each, for organisations or individuals to start With One Voice choirs. Applicants need to be local communities, social businesses or not-forprofits willing to promote social inclusion. Program director Nathan Lange said these choirs are intended to help tackle “what is a growing epidemic in Australia of isolation and loneliness” along with depression and disadvantage in their community. “People are becoming

Grants are available to help start more With One Voice community choirs.

SOCIAL INCLUSION: A With One Voice choir in action. less connected – there are less opportunities to do so. So we think bringing people together and singing provides a whole range of benefits that can’t be done in any other way.” There are no auditions, no requirement to compete or perform publicly, no restrictions on

what is sung. But membership is expected to be drawn from and embrace a wide cross-section of a community. The seed funding supports setting up a choir and a mentoring program. “We spend 12 months with the group to make

Photo: Graham Denholm

sure the choir establishes itself in the community in a way that is sustainable,” Nathan said. “We try to set groups up so that they can sustain the program over a period of time. We think a lot of the benefits of the group don’t happen in just six to 12 months.” Applications for these

Healthy feels good at any age! Visit myhealthforlife.com.au or call 13 74 75 to see if My health for life is right for you.

grants are open until August 31 through www.creativityaustralia. org.au/start. Creativity Australia was founded 10 years ago by soprano singer Tanya de Jong. Its primary aim is to create social community enterprises through singing. “Your social status or income level doesn’t have an impact on your ability to sing,” Nathan said. “It’s a great leveller. People come to these programs as equals and

sing as equals.” There are some 3000 Australians in Victoria, NSW, Queensland, ACT and South Australia, aged between nine and 90, who are members of a With One Voice choir. Seven new choirs have already been established this year as a result of these seed-funding grants. If starting a choir isn’t your interest, Nathan suggests you join an existing one. The list of choirs is on the Creativity Australia website.

FEATURE

AUGUST, 2018// SENIORS

QUEENSLAND SENIORS WEEK 2018

My Health Record – improving health care for seniors

SANDRA Johnston has a number of chronic conditions which is why she finds having a My Health Record invaluable. “I see a wide variety of health professionals including six different specialists. Now I have My Health Record, when I visit the GP I don’t have to worry about remembering medications and test results because I know it’s available,” Sandra said. Six million Australians already have a My Health Record, an online

summary of their key health information. By the end of this year, all Australians will have a record, unless they choose not to have one. 71-year-old Clint Ferndale has been in the health business for quite some time. He created a My Health Record last year because it was “the way of the future”. He finds the system easy to use. “I found it easy to authorise various accesses or set up

barriers to bar access. I think the whole thing is rather easy. I’m not a technocrat, I’m just a user.” Some key things to remember about My Health Record: ■ Your important healthcare information is available in one place and accessible by your doctors, specialists or hospitals. ■ When moving interstate or travelling, your information can be viewed securely online. ■ In emergency

Support for seniors CROWNED is a company that reaches national and international clients, inspired by the ever increasing effects on seniors experiencing social isolation, causing increased abuse incidents and health issues both physically and mentally. The Crowned slogan, You Are Not Alone, summarises the purpose and conviction in which the company’s intentional services were founded. At Crowned, we recognise the impact on seniors who are living without personal supports and are disconnected from their local community for various reasons. We also understand that family and friends balance very busy lives, reside overseas, interstate or are geographically separated from people they are concerned about. Crowned stands in the gap for you through our engagement services. Having embarked on private transport services, social group day trips, international engagement bookings,

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

Photo: Georgia Kelleher

situations, treating doctors can view information such as current medications and Advance Care Plans to provide appropriate treatment quickly. ■ You don’t need to remember the dates of tests, medicine names or dosages. ■ Because healthcare providers have better access to clinical information, they have a

more detailed picture to make decisions, diagnose and provide treatment. ■ You can control what information goes into your My Health Record and restrict who is allowed to access it. ■ For those that require assistance accessing your My Health Record, you can nominate someone to act on your behalf or ask healthcare providers involved in your

care to add information to your record. ■ The My Health Record system is protected by robust, high grade, multi-tiered security controls and all data is stored in Australia. If you don’t want a My Health Record, you can opt out by October 15. For more information, go to myhealthrecord.gov.au or phone 1800 723 471.

Have many competing demands? Is traveling difficult? Work interstate or overseas? Feeling lonely and isolated?

Jill Abraham is the founder and managing director of Crowned. corporate services and planned roll outs occurring for future virtual services, there is much to be achieved in support of our seniors. Feeling isolated, alone, vulnerable, depressed, forgotten or neglected doesn’t need to be how today ends and your future unfolds. We are so excited to be part of the solution for a generation to whom we owe a great debt as the pioneers of an incredibly rich heritage of

opportunities in Australia. I am very grateful to be reaching our international families. As our mission, vision and values reflect, let’s work together to honour our senior generation and effect change with a thankful hand of friendship and a heart not conservative about giving back.” Jill Abraham, FounderManaging Director. Go to crowned.org.au or phone 0402 638 881.

STOP THE WORRY STOP THE LONELINESS STOP THE GUILT Eliminating Isolation and Loneliness Standing in the gap for families and friends

PHONE CONTaCTS / HOmE VISIT ENGaGEmENT SERVICES

Phone: 0402 638 881 • Email: info@crowned.org.au • Web: www.crowned.org.au 6850054ac

SENIORS \\AUGUST, 2018

FEATURE

QUEENSLAND SENIORS WEEK 2018

Chance to save energy dollars

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

Oxygen used for special treatment

OXYGEN therapy is the provision of oxygen to assist a person suffering from any condition that requires immediate additional oxygen to maintain healthy cell function where oxygen levels have become desaturated. A range of both acute and chronic medical conditions require the administration of oxygen. As such, oxygen therapy

is widely used in chronic medical situations such as severe injury/trauma as well as by many people suffering from a range of respiratory conditions requiring supplemental oxygen on a daily basis. Sufferers from Chronic Obstructive Pulmonary Disease (COPD), cardiac conditions, asthma, and asbestosis to name a few all benefit from/require supplemental oxygen.

A person with insufficient lung function or impaired capacity to oxygenate the blood will usually be prescribed supplemental oxygen. The oxygen can be supplied by several methods including liquid oxygen – mainly used in hospitals, gas cylinder – suitable for home use and the more recent development of continuous flow oxygen

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

movement. Face masks vary in style and design according to the condition of the person and their oxygen supplemental levels. As always, consult your doctor/specialist as oxygen therapy requires a prescription. For more information, phone 1800 315 966 or go to easyoxygen.com.au.

HERVEY Bay seniors have the chance to cut their energy use and their power bills with the state government’s Energy Savvy initiative. Participating seniors will have a digital electricity meter installed, switch to monthly rather than quarterly bills, and work with a personal energy use “champion” to cut their bills. Energy Minister Dr Anthony Lynham said locals would be able to cut their energy use and power bills up to $200 in 12 months. Under the program, Ergon installs a new digital meter. Using Ergon’s HomeSmart online system, customers can monitor their energy use, set a budget and even set alarms for when they are coming close to budget. Families have an energy “champion” to help them, including advising them about any electricity concessions they may be eligible for. Energy Savvy Families was about helping low-income families in regional communities. Info: qld.gov.au/housing/ buying-owninghome/energy-waterhome/electricity /digital-meters/ energysavvy-families.

from

p/wk

from

p/wk

32 Northlink Place, Virginia 2364 Gold Coast HWY, Mermaid Beach

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p/wk

FEATURE

AUGUST, 2018// SENIORS

EXPERIENCE LUXURY LIKE NEVER BEFORE EXCLUSIVE BEACHSIDE APARTMENTS ON MARGATE BEACH, REDCLIFFE PENINSULA

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

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

SENIORS \\AUGUST, 2018

FEATURE

QUEENSLAND SENIORS WEEK 2018

A prestigious vision for luxury Redcliffe living WITH the projection of more than five million to be over the age of 65 by 2025, downsizing to a more convenient, luxurious lifestyle by the beach to enjoy the positive effects of health and well-being by the seashore, is still high on the list of living choices for many seniors. Now under construction by Traders in Purple, the new Bathers Beachside development is a high-end, luxury project consisting of 24 expansive apartments positioned directly opposite the water in Margate. This prestigious development is for those for whom only the best will do. A closely guarded local secret, Margate with its 2 kilometres of sandy beach is a little piece of paradise tucked away on Queensland’s stunning Redcliffe Peninsula. At Bathers Beachside you will find a world of bayside grandeur with spacious, open plan layouts of generous proportions set to become a lifestyle icon and a shining beacon on the Redcliffe Peninsula. Nature lovers will be enthralled with the sighting of approximately 22,000 migrating whales that pass through Moreton Bay from June to October each year. The lure of absolute beachfront living has seen buyers from Brisbane and across Australia excited about rediscovering the Redcliffe Peninsula. Known to those in the know, as a “tranquil pocket of paradise”, discerning buyers are offered a stunning opportunity to live so close to Moreton Bay and still be within a 35 minute commute to Brisbane’s CBD. Comprising 24 luxury three bedroom apartments from the ground floor to the third floor, Bathers Beachside capitalises on its waterfront location and uninterrupted Moreton Bay views. With its sophisticated design and sweeping vistas of the endless ocean, Bathers Beachside will appeal to those buyers searching out quality apartments in the upper $800,000

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

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

Traders in Purple are proud developers of beautiful living spaces. Photo: Mike Curtain Photography

range. With a discerning palette of refined finishes and superior well equipped kitchens complete with Miele appliances and home automation, Bathers Beachside has enjoyed great demand from buyers with off-the-plan expressions of interest and strong early sales. Traders in Purple have over 30 years of business

every development. These minimise environmental impacts and maximise the leverage of natural resources to lower living costs for buyers,” Robertson continued. Significant natural light penetration and air flow through the increased ceiling height and floor-to-ceiling glazing reduces the need for air-conditioning and artificial lighting.

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

“Part of the Traders in Purple developer hallmark is to maximise space in the living and balcony areas of our apartments where people spend most of their time,” says CEO Brett Robinson. “Our passion for environmental sustainability goes into each and every project we develop with techniques, products and innovative designs incorporated into

Positioned an easy 35 minute drive from Brisbane’s CBD, this magnificent stretch of coastline is never over crowded. Margate Beach features soft white sand and a scenic timber boardwalk that stretches along the coastline for leisurely strolls. For more, go to bathersbeachside.com.

AUGUST, 2018// SENIORS

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Put a taste of exotica on your list Don’t miss Brisbane’s

BIG DAY!

Bridge to Brisbane is back for 2018! Gather your family and friends get ready to make the journey for a fun day strolling over the historic Story Bridge and past the iconic sights of Brisbane City.

bridgetobrisbane.com.au

AUGUST, 2018// SENIORS

Bait a hook here: A line to top 10 of the world’s fishing spots Try your fishing skills in very unusual locations. WHETHER it’s pinning down piranha, battling black marlin or shrimping on horseback, fishing offers holiday fun and local insight. Not to mention dinner.

1. SALMON: UMBA RIVER, KOLA PENINSULA, RUSSIA

Aurora borealis, reindeer herds, snow: Russia’s Kola Peninsula is a winter wonderland beyond compare. But

come spring, this Arctic eden morphs into a different kind of paradise: salmon heaven. Each May, fisher-folk flock to the Kola’s 123km-long Umba River to cast for some of the finest, fattest Atlantic salmon on earth. The Umba is believed to have up to five salmon runs a year, making for an almost endless flow of fish. But nothing comes easy here: the Umba is isolated, the wading tough going, and anglers have to

share their space with the greatest fish fans of them all: bears. The season is May to the end of October, catch-and-release only. For more information, go to murman.ru/guide/ tourism/fishing-eng.html.

2. GIANT BLACK MARLIN: CAIRNS, AUSTRALIA

On Australia’s Great Barrier Reef, anyone with a snorkelling mask can

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.

1300 551 997 goseetouring.c com

CHIANG MAI FLOWER FESTIVAL ESCORTED TOUR

25 JAN - 5 FEB 2019

$4,395

per person Twin Share ex BNE, SYD & MEL, Single Supplement $1,000

11 Nights accom - Bangkok, River Kwai, Chiang Rai & Chiang Mai, most meals. City & Temples Tour Bangkok, Bridge on the River Kwai, Hellfire Pass, Golden Triangle, Mae Fah Luang Gardens, Choui Fong Tea Plantation, White Temple, Maesa Elephant Camp, Reserved Seating Chiang Mai Flower Festival

EXQUISITE INDIA TEXTILE TO TOUR ESCORTED BY KAY MCMAHON OF STYLEBOOMER

9 FEB - 2 MAR 2019

$5,150

per per erson Twin Share Ex BN NE or SYD, Single sup uppliment $1,390

SINGAPORE SHOWCASE

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

HOSTED BY GRAEME HUGO, RODNEY VINCENT & FORTUNATO ISGRO

2 - 9 MARCH 2019 From

$3,999

19 Nights accom m, daily breakfast, t, 4 lunches & 12 dinners, man ny amazing textile le outlets, Delhi National Craftss Museum, Jaipu ur Ci City, Palace Textile Museum, Taj Mahal, Rajasth han Heritage Palace Hotel stayy, Cru uise on famous Lake Pichola, Ahmed dabad Calico Museum.

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

GO SEE JAPAN IN FULL BLOOM BL

11 DAY ESCORTED TOUR TOK KYO TO OSAKA

AR - 10 APR 2019 9 31 MA

$7,650 50

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

QUEENSTOWN & SURROUNDS ESCORTED TOUR

6 - 13 APRIL 2019

$4,585

per person Twin Share ex BNE, MEL & SYD, Single supplement $1,050

6 Nights Copthorne Hotel & Resort, 1 Night Milford Mariner Cruise, Some meals incl: Buffet Dinner at the Skyline Restaurant, Botswana Butchery. Visit: Gibbston Valley Winery, Glenorchy, Wanaka, Milford Sound Overnight Cruise on board Milford Mariner, Fiordland National Park, Te Anau, Homer Tunnel, Eglinton Valley and much.

PARIS IN SPRINGTIME

ESC SCORTED BY ANNA ABBOTT

2 - 17 7 MAY 2019

$ 8,44 445

8 x Breakfast;; 4 x lunches, 2 x D Dinner, Mt Fuji sight seeeing, Kyoto sightt sseei eing, Tokyo Sight seeingg, Nara Sight See eein ing, Osaka sight seeing, Hiroshima SSight Seeing, Train tickets on ordin nary, reserve ved seating, Private tour with h EEnglish speaking guide

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 30 July 2018. Go SeeTouring Pty Ltd T/A Go Se See Touring Member of Helloworld ABN: 72 122 22 522 276 ATAS Accreditation A11320

ASIAN FISHING: Experience the serenity of evening fishing for squid on Halong Bay in Vietnam. Photo: katoosha find Nemo. But it takes a tough cookie to land a legend. The giant black marlin is one of the most coveted catches on the planet: weighing up to 750kg and able to swim up to 130km an hour, it has the ability to turn hardened game fishers (and, after several hours in battle, their wrists) to jelly. The stunning 250km stretch between Cairns and Lizard Island is the best place on earth to hook one: more giant black marlin are caught in these waters than in the rest of the world combined. The season runs from early September to late December. For more information go to cairnsbluewatergfc.com.au.

3. CATFISH: SOUTHERN USA

Y’all hungry? Git noodlin’! Also known as cat-daddling, gurgling and hillbilly hand-fishing, noodling is the not-exactly refined art of shoving your hand into an underwater hole, waiting until you get bitten by a flathead catfish and wrestling the thrashing “mudcat” to the surface. Noodling has its drawbacks (catfish have a lot of teeth, and you never know what is lurking in that hole) but the sport isn’t just for masochistic kicks: Native Americans were highly skilled hand fishers, and in many southern states, the practice has become a much-valued tradition passed down over

generations. Solo noodling is a no-no; an online search will bring up plenty of expeditions for the wannabe cat-daddler. It’s legal in Alabama, Arkansas, Georgia, Illinois, Kansas, Kentucky, Mississippi, North Carolina, Oklahoma. South Carolina, Tennessee, Texas and Wisconsin. The season runs from May to August.

4. TAIMEN: EG-UUR RIVER BASIN, MONGOLIA

Think Mongolia, and it’s yaks, nomads and exceptionally salty tea that probably spring to mind. But this remote central Asian outpost – more famous for steppes

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SENIORS \\AUGUST, 2018 anyone: a few enjoyable hours watching piranha B-movies, and then bam! Aquaphobia! Since swimming is now off, why not spend your spare time fishing for the demons that turned you into a neurotic mess? Head to Manaus, capital of the Brazilian state of Amazonia, and join one of the many tours that offer piranha fishing (and in some cases, eating). A hunk of meat lands them by the dozen, but their razor teeth can cut through steel hooks as well as fingers. Exercise caution: in this fishing story, the only one that gets away should be you. July to October is the dry season in the Amazon and a dangerous time for piranha fishing as the fish are hungry and aggressive. Tours can be organised through www.ariautowers.com.

than streams – is one of the last remaining havens for the world’s largest trout species, the taimen. A fierce, cannibalistic monster (they’re known locally as “river wolves”), taimen can grow up to 2m and smash the scales at 90kg; fishing for these whoppers is not for the faint of heart or the feeble

of arm. The fish can live for up to 50 years, giving determined taimen trollers a lifetime to land the perfect beast. The season is June to November.

5. PIRANHA: AMAZON BASIN, BRAZIL It can happen to

6. SHRIMP: OOSTDUINKERKE, BELGIUM

If you find rubbernecking an irresistible pastime, head to Oostduinkerke, on Belgium’s southwest coast, where prawn fishermen – paardenvissers in Flemish – use not shrimpers but sturdy stallions to harvest the North Sea’s fruits de mer. For the last 500 years,

the fishermen have galloped into the sea on horseback, their steeds dragging nets and a wooden carriage (to scare the shrimp to the surface) through cold, crashing waves in a tradition recently recognised by Unesco as being of “intangible cultural heritage”. This four-legged fishing is best left to the experts, but lucky visitors can score a ride in the shrimp-scaring rig. The seasons are February to May and September to November. For more informaiton, go to visitor.koksijde.be.

7. GOLIATH TIGERFISH: CONGO RIVER BASIN

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

If you want to battle the mbenga, you must join an organised excursion for your own safety. The best time is catch one is during the Congo’s dry season, June to October.

8. ICE FISHING: BRAINERD, USA

Do you like to dig holes in ice and stare into them for a long time? Then the central-Minnesota town of Brainerd is your dream destination. The annual Brainerd Jaycees Ice Fishing Extravaganza is the largest of its kind in the world, attracting more than 12,000 hopefuls keen on the cold… and on hooking themselves a cool $US150,000 worth of prizes. Organisers pre-drill 20,000 holes into the thankfully very well-frozen Gull Lake, from which (d)anglers pull up walleye, perch and bass. Go to icefishing.org for details on the Ice Fishing Extravaganza held each January.

9. SQUID: HALONG BAY, VIETNAM

The word squid mightn’t conjure up the warm-andfuzzies right now, but after a night on Halong Bay, that will change. Dozens of junks ply the bay’s jade-green waters on moonless evenings, fishing for the slippery

little cephalopods that go into the region’s bestknown speciality: squid sausages. With only a bamboo rod, a catch net and a lamp to attract the squid to the surface, anyone can hook themselves an impressive 30-plus squid in just a couple of hours. The stillness of the bay dotted by the dreamy reflection of the lamps makes for a contemplative, romantic evening. The season begins in April and runs through until January.

10. BROWN TROUT: RIO GRANDE, TIERRA DEL FUEGO Tierra del Fuego is Spanish for “Land of Fire” and au fait fly-fishers couldn’t agree more: when it comes to trout, this place is hot. The archipelago boasts the world’s best sea-run brown trout angling: the minimum average weight of the region’s brown trout is 4kg (one in 50 catches are said to be 11kg or above), and the Rio Grande teems with an estimated 70,000 of the prized fish. The season is from December until mid-April.

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

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AUGUST, 2018// SENIORS

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

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

Photo: MariusLtu

Ultimate top travel list

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

IF YOU were wondering what are the best places to visit, then the ultimate bucket travel list is here for your enjoyment. The World’s Best Journeys list for 2018 has been released and 50 destinations and experiences have been selected by Flight Network and more than 500 top travel journalists, agencies, bloggers and editors. It’s the ultimate inside guide to diverse and dynamic adventures; for the seasoned traveller and for the ones who want to live life to full for as long as they can travel. Welcome to the most definitive list of the World’s Best Journeys – a truly inspiring collection of the top 50 transformative trips every traveller must experience in their lifetime. This inspiring resource is an unparalleled guide to diverse and dynamic adventures with exhilarating activities in

the most stunning, mystical, and culturally rich lands on the planet. We start from the bottom of the list and will work our way over the coming months. This month it’s 50 to 46. Hold on to your seat while we take off on a fabulous journey Asia, Africa, South and North America.

SAIL THROUGH THE RAJA AMPAT ARCHIPELAGO

Sail through one of the most mesmerizing regions in Indonesia, the Raja Ampat Archipelago, an astonishing collection of 600 islands. These isles remain largely untouched by the modern world and feature vibrant jungles, satiny white beaches, blue waters with almost endless visibility, and a rich tapestry of Indonesian culture. Climb aboard your boutique ship in Sorong and sail to Kri Island where you can start your

vacation off right with a snorkel atop the rainbow of coral reefs and gentle stroll along the immaculate beach. Then hike on Gam Island, home to the famous Red Bird-of-paradise, before sailing to the Wayag Islands and exploring caves, lagoons, and narrow inlets. Mix with the locals in Deer and exotic wildlife in Boo Kecil lagoon, then indulge in the gorgeous landscapes of forests and rolling hills on Misool. Take advantage of your relaxing transportation as you cruise by the alluring shores of the Farondi Islands, then say yes to more snorkelling and beach-chilling on the Kalig and Fiabacet Islands. Finish your trip with the colourful marine life on Kepulauan Penyu, and friendly locals on Markhesa Bay. Getting there: Fly into Jakarta’s Soekarno-Hatta International Airport. From Jakarta, catch the daily

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

MOTORCYCLING MADAGASCAR COAST TO COAST

Madagascar’s difficult road system makes motorcycle touring an excellent choice for navigating the different terrain and having intimate views of volcanoes, the rainforest and the Malagasy people. This bold motorcycle journey begins in the capital Antananarivo, where you set out to Ampefy passing the Itasy region’s lakes, waterfalls and volcanoes. After a night’s rest, you’ll ride to Antsirabe along rice paddies and quaint villages. The next leg takes riders to Ambohimahasoa, passing lakes of Andraikiba and Tritiva before resting at Lemur Forest Camp. The road to Manakara leads to the coast through the

rainforest. Enjoy a canoe trip before riding toward Mananjary in the Indian Ocean rim and head to Ranomafana to see the best park on the island. Riding to the Deep South, you’ll pass rock formations near Fianarantsoa before arriving in the vineyard region of Ambalavao. Continuing south from Ambalavao to Ranohira, riders pass the Anja reserve for a glimpse of ringtail lemurs. Bikers can spend a day exploring canyons and riding along sandstone formations of Isalo National Park. Heading down between Ranohira and Ifaty, riders can take a break in Ifaty’s beach village and check out baobab trees before catching the flight back to Antananarivo the next day. Getting there: Flights arrive into Ivato Airport, 20km north of Antananarivo. It’s best to take a charter taxi due to the challenging road conditions. Less than

SENIORS \\AUGUST, 2018

Sunset in the famous Avenida de Baobab near Morondava in Madagascar. Photo: pawopa3336

Ride the Death Road of Bolivia.

NATURE’S PARADISE: chameleon.

Drive the Sea to Sky Highway, British Columbia.

Follow the vast Wildebeest migration in Tanzania.

region to begin breeding season. Getting there: Several mobile tented camp companies are available to accommodate patrons. Arrive by flying into Jomo Kenyatta International Airport in Nairobi and transfer to Wilson Airport for domestic flights into Tanzania. Another option is to fly into Julius Nyerere International Airport in Dar es Salaam and make your way to Tanzania’s northern safari destinations by using charter flights out of nearby Arusha Airport.

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

Madagascan

panther

Photo: belizar73

to tickle the senses 20 per cent of the roads in Madagascar are sealed, leaving the remainder riddled with massive potholes so it’s wise to have a local driver take you to Antananarivo. During the rainy season many of the country’s routes are impassable and a local driver would know the appropriate detours. Motorcycles can be leased in many places in Madagascar, including Nosy Be, Tulear, and Ile Sainte Marie.

FOLLOW THE WILDEBEEST MIGRATION IN TANZANIA

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

their frenzied migration through the Serengeti National Park to rich grasslands of the park’s southern region of the Ndutu area of the Ngorongoro Conservation. Following the migration, the safari begins by jeep in the western region of the park near the Grumeti River, where wildebeest move past zebras, elands and gazelles who inhabit this corridor. Not only do wildebeests have to survive the river crossing, the region is home to predators like lions, cheetah, leopards and hyenas. Pressing on to the eastern section of the Serengeti, wildebeests cover the valleys following long rains, pouring through the narrow route toward the Angata Kiti pastures. The safari bears witness to the wildebeest’s annual preservation quest when the animals reach precious grazing land in the Serengeti’s southern

RIDE THE DEATH ROAD OF BOLIVIA

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

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

DRIVE THE SEA TO SKY HIGHWAY, BRITISH COLUMBIA

Curving along cool waters of the Pacific, the Sea to Summit Highway snakes north from Vancouver for 120km before reaching the resort town of Whistler in the Coast Mountains and it’s a drive of a lifetime. Leave from Vancouver and drive to Lynn Canyon to walk the 50 metre-high suspension bridge at Lynn Canyon Park. Hop in the car and steer west towards Shannon Falls and see massive falls flowing an impressive 335m down the Howe Sound. Drive to Stawamus

Chief Provincial Park for a hike to stretch your legs. For a unique vantage point, take the Sea to Sky Gondola 900m up the side of Mount Habrich. Get a bird’s eye view of the coastal mountains boarding a charter flight above Garibaldi Provincial Park. Continue your journey with a walk around one of the three lakes at Alice Lake Provincial Park. North of Garibaldi, Brandywine Falls Provincial Park features magnificent falls to ponder from a viewing deck. After your drive, spend the night in Whistler and hike the Peak to Peak 360 Experience.,. Getting there: Arriving by air you’ll likely be flying into Vancouver International Airport. Major car rental companies have desks at the airport. flightnetwork.com/blog /worlds-best-journeys

AUGUST, 2018// SENIORS

Ten great reasons to feel the joy of Lyon life The city exudes beauty, style and taste Ann Rickard TRAVEL author Ann Rickard is in France, where she spent many happy days in Lyon. Below, she shares her bucketlist of favouite things to do. 1. On the meeting point of the Rhone and Saone Rivers, Lyon enjoys an enviable spot and is the third largest city in France, a worthy rival to Paris. Easy to traverse by foot, but with hop on-hop off bus tours, river cruises, even electric bike tours, there are many ways to explore the city without tiring yourself. 2. Elegant buildings with wrought iron balconies, soaring clock towers, wide city squares, church spires, museums, galleries and spacious boulevards all mean Lyon exudes an air of grace and style. It was the silk capital of France in the 17th and 18th centuries and one of the main hubs in the world for silk production. 3. Les Halles de Lyon Paul Bocuse: If you do nothing else, visit Lyon’s famous indoor food market where more than 60 stalls present myriad gourmet delights. Symbolic of the gastronomic prowess of Lyon, this hub of culinary excess presents everything from pastries that look like art works to hundreds of cheese varieties made by legendary cheesemakers. Wander, drool. Then lunch

on oysters, prawns and snails (go on) with champagne at one of the many inviting bars inside the market. 4. Quenelle de brochet: A traditional Lyonnaise dish, usually of fish or meat combined with cream and bound with egg, then moulded into a football shape, poached and served with a creamy sauce. One bite into the velvety texture and you are hooked. 5. Basilica Notre Dame Fourviere: It crowns a hill in the old town and lords it over the city with panoramic views from its terrace. This 19th century cathedral displays glorious French religious architecture and is lined with magnificent mosaics. Arrive on the hour when the bells are ringing, admire its extravagant exterior and then spend a quite half hour inside contemplating the mosaics…or anything else you like. 6. Rue de la Republique: Stroll this wide and chic pedestrianised street flanked by stylish shops and then sit awhile in the Place de la Republique in the Bellecour quarter with its large rectangular water feature where jets gush water into the air. Very refreshing after a few hours of heavy hopping. 7. Bouchons: Rustic and comfy places to eat generously for little money. The bouchon tradition

came from small inns visited by silk workers passing through Lyon in the 17th and 18th centuries. Today, the bouchons still serve traditional dishesIf you choose the formula menu (three courses for around 15 euros), you’ll have to waddle out. 8. Old town: After taking the funicular up to the basilica (don’t even dream of walking, it’s very steep) and enjoying the views, stroll slowly down to the old town. It is UNESCO-listed and an intriguing place with its narrow streets lined with medieval and Renaissance houses. When you tire, there is always a bouchon and a glass of rose wine within immediate sight. 9. Accommodation choices are many and range from budget to over-the-top. We stayed at the Grand Mercure for around $120 a night. Lyon has nine districts surrounded by the two rivers with the most lively, the Vieux Lyon (old Lyon), a good option to base yourself if you like to walk everywhere. 10. Lyon’s status as the cuisine capital of France is obvious from every corner cafe, market, bouchon and restaurant. Lyonnaise specialties include quenelles (see above) and andouillette, a sausage filled with coarsely cut tripe and pork colon (oh, dear!) Go to annrickard.com.

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

Lyon pastries.

Photos: Ann Rickard

Outback Queensland & The Whitsundays are worth exploring IMAGINE a coach tour that combines the history and culture of Outback Queensland with the spectacular scenic beauty of the Whitsundays, while supporting those communities affected by

drought and Cyclone Debbie. This is Coastal Variety Tours 12 Day trip to Longreach, Winton, Airlie Beach and Hamilton Island which departs August 18. This tour will take you

via Charleville’s Cosmos Centre, arriving at Longreach, a town that encapsulates the history and culture of outback Queensland. The Longreach tour includes the Stockman’s Hall of Fame, the

multi-million dollar Qantas Museum, School of the Air, and the Thompson River Sunset Cruise. Your outback journey is not complete without a trip to Winton, home to the world’s largest

collection of Australian Dinosaur fossils and the rebuild Waltzing Matilda Centre. From the outback to the sea – Airlie Beach the gateway to the Whitsunday Islands is believed to be the most

beautiful region on the Queensland coast. There’s more to this tour than is written here and it’s well worth discovering for yourself. Phone 3343 6722 for a detailed itinerary.

SENIORS \\AUGUST, 2018

Living

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

Understand electricity offers BRAND INSIGHTS SINCE August 2017, when the Prime Minister summoned electricity retailers to Canberra to see what could be done to improve the consumer electricity price point, electricity offers have been a point of contention. One of the only things to genuinely come out of the meeting was reform by way of the pricing information that is published by retailers, and effectively ‘sold’ to consumers. On August 31, 2018, almost a year to the day, new Retail Pricing Guidelines for electricity retailers will

come into effect. These guidelines were pushed through by the Australian Energy Regulator to provide clearer and more user-friendly information for consumers about electricity plans. These new guidelines aim to improve the consumer understanding of the different products and services retailers are offering. Yet understanding an electricity price schedule is still a difficult thing. With so many variances, what do you need to look for to get the best deal? Discounts THE biggest cause of confusion in electricity offers is, of course, the

infamous “discount”. The new changes are not going to fix this completely as they are now including guaranteed discounts and conditional discounts. Guaranteed discounts are just a way of reducing the base rate without actually doing so, normally by a small amount of between 5-7 per cent. A conditional discount is something that the consumer must do to qualify, this includes agreeing to a direct debit payment, paying on time or early, or even ensuring your solar generation performs to a certain level. Discounts are used because energy retailers are exposed to market

fluctuations on the wholesale purchase cost, locking in a “discount” with a consumer means that it leaves the base rate flexible. The key point is untangling the whole lot to get the effective rate of usage, which in simple terms is how much per kWh you pay. Incentives NEXT on the agenda are incentives. There has been a noticeable addition to the current electricity offers floating around which are leading towards including incentives. The new guidelines require these incentives to be distinguishable on the offer with a differentiation

of non-price, ie one-off benefits such as gifts clearly listed with their true value. The value of these incentives needs to be measured and usually, over the long run, these deals will cost more. Bundle deals WE are also seeing the “add-on” or “partnering” deal becoming part of the scene with a requirement for a consumer to bundle with partner product like solar/batteries or even a telco or TV package to obtain a certain electricity offer. The real value of these will become much clearer with the new disclosure requirements; with cross-subsidisation now being visible to the

consumer. Dummy offers ONE of the biggest reforms was to remove “dummy” offers, offers that were “not generally available”. Now there is a requirement to only publish offers that are generally available. This should remove some of the confusion outright, if you like the look of a deal, it should be available to you. Although as a consumer you will be more informed, always remember you make a choice to agree to a retail electricity offer. To find out more, go to localityenergy.com.au.

Learning to read and write one Scrabble game at a time

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

EVER played the board game Scrabble and been stuck trying to figure out the proper spelling of a word? Well spare a thought for 87-year-old Elaine Cutts who played her first game three years ago not knowing how to read or write! “When I first started coming to (Anglicare’s Killara Respite Centre) I couldn’t read,” Elaine said. “One day, June (a worker at the centre) said to me ‘why don’t we have

a game of Scrabble?’. “I said ‘I can’t’ play Scrabble, I can’t spell’ and she said ‘well I’ll help you’ and so she started teaching me.” What happened next is an inspirational story of how you’re never too old to learn something new as Elaine, with the help of the centre’s staff, learnt the basics of the English language one game of Scrabble at a time. “They’ve taught me a lot,” she said. “When I would arrive, the Scrabble

came out and we’d play all day. Because of that I started learning how to spell.” The Sunshine Coast resident never attended school as she lived and worked on the land in New South Wales. Later in life, her time was taken up raising nine children. But now that she’s picked up the Scrabble bug, Elaine is hooked on learning! “Sometimes through the night I’ll wake up and a word will pop into my

head and I keep spelling it until I get it right,” she said. “I won’t go back to sleep until I’ve looked it up in the dictionary.” It’s estimated that one in seven Australians have poor literacy skills and one in 30 people are at risk of social exclusion or unemployment due to being unable to read and write. Find out more about Anglicare’s work in caring for and supporting the community at www.anglicaresq.org.au.

AUGUST, 2018// SENIORS

Money

Tony Kaye THE Productivity Commission and the banking Royal Commission have both focused on the distinct lack of transparency in many areas of the financial industry. The $1.2 trillion managed funds sector, where so many retirees have their funds invested, often on the recommendation of their financial adviser, is one of those areas where transparency is distinctly lacking in terms of fees disclosure. If you don’t know what you are paying in fees, if you have your capital invested in a managed fund, it’s definitely time to find out. Research conducted by InvestSMART using data from investment research

Shop around for better Super deals

group Morningstar shows that, at May 2018, out of about 5300 Australian managed funds that have a 10-year investment history, 76 per cent had underperformed their industry standard benchmark by an average of 1.75 per cent per annum. What’s staggering is that there is currently about $330 billion of investors’ capital sitting in these under-performing funds alone, which are charging average fees of 1.73 per cent per annum. While average management fees on some investment products have been falling in recent times, many investors in managed funds are often paying higher fees than those in other funds largely providing the same investment exposures. What’s worse is that the highest management fees being charged are by the

actively managed investment funds whose primary mandate is to outperform against their market benchmark. In most cases, they haven’t. Fees can be controlled The most important dimension to the managed funds fees issue is investor apathy. Many Australian investors are paying the ultimate financial price by choosing to keep their capital in under-performing managed funds instead of shopping around for better alternatives. While it’s impossible to predict the future performance of a particular fund, what most investors are ignoring is that the amount of fees they are paying can be controlled by switching into funds that, by virtue of charging lower management fees, will outperform their competitors. Some will outperform their set

benchmarks in different years, but over longer periods they probably won’t. But the key is to choose funds that offer the same or similar investment exposure, such as to Australian large cap or mid cap stocks, or to global markets, and that charge lower management fees. Comparing funds The easiest way for investors to compare between different funds covering the same investment category is by matching one or more funds to the market benchmark they are measuring their performance against. InvestSMART has just released an industry-first tool, Compare Your Fund (investsmart.com.au/ compare-your-fund), which allows investors to compare the fees and performance of nearly 9000 Australian investment funds online.

The free-to-access tool can analyse the performance of managed funds, super funds and pension funds against peers and industry standard benchmarks, and also allows investors to assess fund fees against comparable funds. InvestSMART’s funds research is telling. It shows that 96 per cent of managed funds in the multi-sector moderate category have underperformed the benchmark Morningstar Aus Msec Moderate Total Return AUD comparison index over the last 10 years by an average of 1.54 per cent per annum, and are charging average annual fees of 1.58 per cent. Similarly, 92 per cent of funds in the multi-sector growth category have underperformed the Morningstar Aus Msec Growth Total Return AUD

comparison index over 10 years by an average of 1.62 per cent, and are charging average fees of 1.69 per cent. The story doesn’t change across other fund categories, except that the total percentage of under-performing funds does reduce. It’s evident to most investors that the amount of fees paid will have a direct impact on returns over time. Yet this becomes even more stark when an investment is left in an under-performing fund over a long time. The key message for investors is not to stay in under-performing managed funds. They are costing you better returns. Look around and shop around. Tony Kaye is the editor of Eureka Report, which is owned by listed financial services company InvestSMART. Go to investsmart.com.au.

Keep up to date with bequest limitations and challenges WILLS and estate planning lawyer Dylan Heffernan, of law firm McCabes, works through what are some of the limitations with giving bequests. Charity limitations Conditional bequests to charities are possible, but there are practical limitations. “If a client was looking to give an amount to a charity but wanted that amount to applied to particular project, we would generally recommend specify that as a wish,” Mr Heffernan

said. “You might say, for example, ‘I give $… to RSPCA Australia and I express a sincere wish that this amount is applied to finding homes for dogs that are rescued from puppy farms’.” When you die and that project no longer exists, the bequest can still go to the specified charity and it will apply the funds as it sees fit. Once the bequest is received, there are no obligations for the charity to carry out any actions for the donor’s estate. Most of them will

however issue a receipt or letter of thanks to the donor estate. Other organisations You can also give your assets to a non-charitable, private organisation as the people who will benefit from the bequest will be the shareholders. Challenges to gifts Family members may be able to challenge a testator’s bequest decision if it can be proven that the testator didn’t approve the contents of their will. Another area of

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:

challenge may be where a testator leaves all or a large part of his or her estate to a charity and doesn’t leave anything in their will for persons that they have duty to provide for under the will. If you give a bequest to a “natural person” who has died before your estate is settled, the gift will fail. The exception is in NSW where the intended beneficiary is a direct descendent of the deceased and leaves surviving children. In that case the children of the

intended beneficiary will share the gift. Executors discretion It may be that at the time of your death the charity you have nominated no longer exists or at the time you are drawing up your will you can’t decide which charity you want to support. “If a client wishes to make a bequest to a particular charity under their will, we would generally recommend that they also give their executors direction to give the amount to some

other charity that has a similar purpose in circumstances where the intended charity no longer exists or for some other reason it is not possible to pay out the gift,” Mr Heffernan said. Keep your will up to date As over time your decision of who should receive a bequest can change you should review your estate planning every three to four years if you are still working, whenever a significant life occurrence happens and if retired, every two or less years.

SENIORS \\AUGUST, 2018

MONEY

Advice for administering a loved one’s estate Answers to common questions

Carolyn Devries CEO of New Way Lawyers IN THIS instalment of our series about administering a loved one’s estate, we look at what happens when an executor named in a will is unable to act, or does not wish to act as the executor. Question #5 - Can I decline to become an Executor? There are often situations that arise which mean a named executor in a will is unable or unwilling to complete the responsibilities associated with administering a deceased estate. Some of these situations may include advanced age, illness or

disease, living interstate or overseas, or having too many commitments to attend to and not having the time. If a person named as executor in a will is unable to act, or does not wish to act, then they can decline to accept the appointment; this is commonly referred to as a renunciation of executorship. For an individual to renounce their role as executor they will generally be required to complete and sign a renunciation form which will then be lodged with the Supreme Court, along with an application for a Grant of Probate. This process of renunciation of executorship is however, only relevant if a Grant of Probate has not already been issued and if a named executor has not taken any steps to

administer the estate or taken any action that could be interpreted as having accepted the role of executor, for example paying creditors or selling assets of the estate. If such steps have been taken by a named executor in a will then a Court could compel them to continue in the role of executor. If a person who renounces the role of executor is the only executor named in a will then an alternative executor will need to be found to administer the deceased estate. An alternative appointment could be the Public Trustee, a private trustee company or one of the beneficiaries of the estate. If however there are other executors named in the will then the other executors remain eligible to administer the deceased estate.

HELPFUL ADVICE: If a person named as Executor in a Will is unable to act, or does not wish to act, then they can decline to accept the appointment. Once a person has accepted the role of executor and a Grant of Probate has been issued generally the executorship can only be renounced by making an application to

the Supreme Court and showing that there are valid reasons and that the beneficiaries and creditors would not be disadvantaged by the renunciation.

Disclaimer: The above information is intended as general legal information only for people living in Queensland and is not a substitute for individual legal advice.

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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FEATURE

AUGUST, 2018// SENIORS

To advertise, call 1300 136 181 or visit finda.com.au Celebrations, Classes & Events

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SURF LAKE CITY: Surfer Lincoln Chant considers the new Yeppoon destination.

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Gail Forrer ON THE horizon is a whole new way of surfing for silver surfers with a prototype Surf Lake in the final phase of construction in the Queensland town of Yeppoon. Imagine 2400 machine-made waves being generated per hour across four reefs, each with a left and right hand breaking wave – that’s eight breaks. The maximum wave height is aimed at a 2.4m face height. Each wave will vary in shape, size, length and difficulty. So, surfers can start off on the easy wave, and then make their way around to the more powerful hollow barrels. Sounds interesting? Sixty-year-old Queensland surfer Lincoln Chant reckons it’s a great idea. Since he turned 16-years old he’s been carving it out on Gold Coast waves. These days, he’s still working full-time, lives on the Coast and calls himself a fortnightly weekend surfer (and a bit more on annual holidays), but plans to increase surfing time in his upcoming retirement. “When I’m retired, my wife and I’d like to do the

Grey Nomad thing, having a wave-making machine at Yeppoon, would probably see us include this experience in our travels.” His quiver of seven boards including his 1978, single fin, are used to ride a variety of waves and he thinks the surf lake might give him a chance to use them all. His wife Fay, a stand-up paddler, thinks the beginner waves may provide her with a perfect learning environment “I would love to learn to surf,” she said. “But at 56 years old, I’m not looking to pummelled in any barrels.” The idea behind the Surf Lake is to give everyone who wants to surf, learn to surf or for some silver surfers, get back into their surfing, no matter what their skills, age, ability or surf craft to chance to get out there. “The Surf Lakes mantra is ‘everyone gets a break’. Longboards, short boards, body boards, body surfers; you name it, there will be a break to suit them,” Surf Lakes media director Wayne Dart said. “The nature of each break is such that a surfer can quite quickly improve and take on another of the more challenging breaks. “Or, those who feel challenged in the ocean due to physical fitness or

the like, will be able to surf in a controlled environment and in turn regain fitness and balance and therefore tackle waves that they may have ridden in younger years. But, in the lake, the ‘built-in’ rips make the return to the line-up easier, and there will be regulated marshalling so that every person has access to their desired wave.” The health benefits of surfing are well known and include cardiovascular fitness – from paddling, shoulder and back strength – these muscles will strengthen from the paddling, leg and core strength – once you’re standing up on the board, strong legs and a strong core will keep you up. But as every surfer will know, beside the physical benefits, it’s all about the ‘stock’, and if it comes from a wave-making machine then, according to Fay and Lincoln Chant, “so be it”. ■ The Yeppoon site will initially be used for demonstration to potential licence holders and for further research and development. It will be some time before it can be opened to the public. For investors, of which Surf Lakes are looking for a few, they will get to test out the Australian invention.

SENIORS \\AUGUST, 2018

PUZZLES 20/8

The challenge is to rearrange a crossword which has been broken into 25 sections. One letter has been given to get you started. Work out which s uare ts in with that letter and write in the letters. ou can also shade the black s uares i you nd it hel ul. ter co leting the rst area work out which s uare oins on to it and continue until you have ade a co lete crossword.

O L W L L

T L A P E P E

R A U S E

R E N T T A

E N T

T M R O E N T

P V I E T H R

T V I D C A

L O O S T L

R S T C

L E S U U N A M

C L L A L

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

7 LETTERS ENDURED GUTLESS INHABIT INHALED LADLING THYROID

QUIZ 1. What Australian pop duo consisted of Darren Hayes and Daniel Jones? 2. What are the two main ingredients of the appetiser angels on horseback? 3. Where are you if you “wake up in a city that never sleeps”? 4. In which year were East and West Germany uniﬁed? 5. What everyday item is sand used to make? 6. Which two fruits are anagrams of each other? 7. Which famous brothers made a ﬁlm called A Night at the Opera? 8. Who was the Greek god of death and the underworld?

QUIZ

C A D E T S

4 LETTERS AIRY ALAS DATE DINS EMIR FIJI JEST LOON ORBS OSLO

5 LETTERS ABHOR ANGUS ASIDE BOLAS EGEST EGRET ENEMA ESSAY ORGAN OSCAR SHUSH SIREN SOAPS SOLID STORM TALON

6 LETTERS CADETS FIRMLY HOLLOW LOUISE RABIES SALAMI SPECIE THRESH

S O A P S

Solution opposite

ROAN SAGA SOYA TROT WERE YOGI

O R B S

Fit the words into the grid to create a nished crossword

3 LETTERS ALE ALL ASH BAD BAR BET COO END IRE OUR RUM URN

L A S O L A S O L L OW N A L E E M I R A S I D E S S H A L E D Y O G I S U R N A B I E S G E S T A T E

WORDFIT

E X H P I S T L A P E E P H A P

Good 19 Very Good 26 Excellent 31+

S T M I R A C L E R O U L M E N T S E A L L H T R L L E V I D E N T I R C A T A S S R L U P R I S T I N E M E I C R N P V I O L E N T K I E W T H R I L L E D O O T E O M C W M L E S H U D D E R

VOILE PUSH IN CINQUES SPONGIER RACIALIST

A U L E G L I D L E U N A C H A L L O S T

572

S E

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.

S U R C O K R E A T H W R E

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

WORD GO ROUND

TODAY

awes east eats hash hast haste hate hates hath hawse heat heath heats saith sate seat seta sheath swat swathe sweat taws tawse thaw thaws waist wait waits wash wast waste weta what wheat WHITEWASH

T W

H I

ALPHAGRAMS

WORD GO ROUND

A B H L O A R D L E I N N D G U R E D

I J I R E N E S H T A B O R O I G U T A R E N A N C I E O R M O Y A

F I R M L Y

C O R

S H U S H

A U S L E G M

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

SUDOKU

T R O T

O M E

TRIO

E D

WORDFIT

C H A K L

1. Savage Garden, 2. Oysters and bacon, 3. New York, 4. 1990, 5. Glass, 6. Lemon and melon, 7. The Marx Brothers, 8. Hades.

T E E X H C W P H U D I S

QUICK CROSSWORD

L I L D

E A T H W R E

Across: 1. Brandish 7. Beast 8. Millennia 9. Eye 10. Sigh 11. Stalls 13. Proclamations 15. Bowing 16. Star 18. Nil 20. Odourless 21. Named 22. Ask about. Down: 1. Bombs 2. Allegro 3. Deep 4. Sanctimonious 5. Cares 6. Streams 7. Ballots 12. Plywood 13. Pennant 14. On the go 15. Blame 17. Reset 19. Area.

L I N E R N

H E R

JIGGERED

S U R

L L I

TRIO: NTE

P R E I

O M D E R

Down 1. Fails badly (5) 2. Brisk speed (music) (7) 3. Profound (4) 4. Excessively pious (13) 5. Shows concern (5) 6. Flows (7) 7. Votes (7) 12. Layered board (7) 13. Tapering ag (7) 14. Keeping active (2,3,2) 15. Liability (5) 17. Readjust (5) 19. Locality (4)

SUDOKU

H A P

Across 1. Wave something, as a threat (8) 7. Animal (5) 8. Thousands of years (9) 9. Watch (3) 10. Audible exhale (4) 11. Plays for time (6) 13. O cial announcements (13) 15. Bending (6) 16. Outstanding performer (4) 18. None (3) 20. Having no scent (9) 21. Titled (5) 22. Enquire (3,5)

ALPHAGRAMS

QUICK CROSSWORD

OLIVE, PUNISH, QUINCES, REPOSING, SATIRICAL.

JIGGERED

RD B O AT

HARBO

ER RD

UR DR

B EA C H

IS LA ND

CA RL O

HARBO

UR DR

Hervey Bay

IN S T

NIS

NS T

B O AT

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