Carter Court

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Wednesday, May 25, 2022 Wairarapa Midweek

FEATURE SUPPLEMENT

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Carter Society

OPENS NEW HOSPITAL WING

A very happy Carter Court The new Manager Jo McDonald,wet androom Nurse Manager Lynley Batson in front of Carter Court, with the new hospital wing to the left

Rest home Manager Jo McDonald and Nurse Manager Lynley Batson are grinning from ear-to-ear. The new hospital annexe at Carter Court has ÿ nally been completed, adding six new hospital level care rooms to the aged care facility that sits at the heart of Carterton. It increases the number of beds available for residents from 42 to 48 and the number of hospital speciÿ c beds from 17 to 23. The new development will add to the existing services that the not-for-proÿ t Carterton Society provides to elderly residents across Wairarapa. These include a retirement village containing six 2-bedroom units and 44 housing ° ats for pensioners, 38 of which were donated by the Carterton District Council in 2016. The new hospital annexe is an extension of the existing Bill Monk hospital wing where the bulk of Carter Court’s hospital beds are located. It juts perpendicular to the main

entrance and will be the ÿ rst building to greet people on their left as they come down the driveway towards the main entrance façade. It’s almost like an arm is extending, ready to embrace visitors on arrival. Jo is especially elated, “It’s taken four long years to get here against some massive challenges brought about by the pandemic. The six new hospital beds are so welcome right now and it’s some good news at a very needed time for our community.” The new rooms will be ÿ lled by residents from all over Wairarapa who require hospital level care. They will join the Carter Court family in the coming weeks once the code of compliance has been granted. “We’re in the ÿ nal stages of that process and should have sign-o˛ any day now, so hope to be operational soon,” says Jo. Five of the six rooms have been kindly sponsored by the families of past or present residents, each paying $3000 to have a room named after their family. In return the money has been used to completely ÿ tout each room with an elevating bed, chair, table, and wardrobe. The Nikau Trust has sponsored the remaining room that sta˛ are

a˛ ectionately calling ‘the Nikau room’. All of the rooms contain brand new ensuite bathrooms and other modern décor to provide comfort and a sense of tranquillity. In addition to the six rooms, there is also a wet room which is big enough to accommodate the new shower trolley purchased from a grand from the Nikau foundation. All six bedrooms have new ceiling hoist track systems

The six new hospital beds are so welcome right now and it’s some good news at a very needed time for our community.” to enable residents to be hoisted to and from their beds. None of the other hospital rooms have the hoist tacking and there is eager anticipation from residential nursing sta˛ who know it will make a big di˛ erence to the new residents’ needs. Nurse Manager Lynley Batson says sta˝ ng will increase in response to the new residents’ arrival. “It’s great for everyone and shows how Carter

Court touches many lives beyond our residents.” For her sta˛ there will be little change. “Our sta˛ will continue to give great care. We are in challenging times, but our sta˛ take huge satisfaction working with our older folk and I constantly see kindness and empathy in their work.” On the other side of the heavy ÿ re doors that lead to the existing hospital beds in the Bill Monk wing, a small alcove has been renovated with comfortable lounge chairs and a small kitchenette. This quiet nook has been sponsored by the local Rotary club of Carterton and is now referred to as The Rotary Lounge. It o˛ ers guests visiting in the new hospital wing the chance for some tea and co˛ ee among the serenity of a home-like lounge. Jo says this moment in time is particularly noteworthy. “2022 is the 200-year anniversary of the birth of Carterton’s founder, Charles Rooking Carter. Most know he is also responsible for the existence of Carter Court. It feels incredibly special to be building upon his legacy and continuing his care for the elderly into the future. We’re feeling very fortunate, elated, and humble right now.”

CARTER COURT | REST HOME | HOSPITAL | RETIREMENT VILLAGE | COMMUNITY HOUSING 95˜97 PEMBROKE STREET, CARTERTON | PHONE 06 379 8075 | WWW.CARTERCOURT.CO.NZ


24 Wairarapa Midweek Wednesday, May 25, 2022

FEATURE SUPPLEMENT

Wednesday, May 25, 2022 Wairarapa Midweek

FEATURE SUPPLEMENT

Reverse mortgages

Carter Society OPENS NEW HOSPITAL WING

LEFT: Jo McDonald reveals the new kitchenette in The Rotary Lounge. RIGHT: A ÿ rst look at the new rooms

The new wet room

‘We’re so proud – thank you Wairarapa’ It’s been a long road getting the six new hospital rooms delivered and the relief and jubilation on the face of Carter Court’s Manager, Jo McDonald is immense. She sums up the sentiment of the sta˜ , residents, and executive committee with pride.

Function, style and affordability — you can have it all.

“We have a tremendous amount of support in this community and a huge number of people to thank.”

across these pages because our new hospital wing for our community could not have happened without them”.

If there was ever a deÿ nition of ‘it takes a village’, Carter Court is it. The outpouring from Wairarapa, and especially Carterton, has been huge and thinking about those who have helped to make it all happen is front and centre for Jo. It speaks to the ethos at Carter Court. Serving the community sel˛ essly and always putting the needs of others before themselves.

Carter Court wishes to thank and acknowledge…

It’s little surprise their philosophy is one based on providing comfort for others – ‘a home away from home’. The phrase re˛ ects that Carter Court is very much a mirror. The love and care that is shown between sta˜ and residents really re˛ ects the love and care shown by the community for Carter Court and vice versa. It’s a beautiful, symbiotic relationship, that runs deeply on all sides. Carter Court is the outpouring of love within the community. Jo wants her community to know “we could not do this without your support”. She is adamant about this. She says many people have contributed by donating their time and/or materials either free or at cost. “Please, we must name many of them and I ask supporters and friends of Carter Court to please show your kindness and support these businesses and the others advertising

Jaz Construction Ltd. “Their contribution was huge. Mark’s dad was a prior resident here and Mark and Julie project managed the entire build at no cost.” Hodgkiss Refrigeration Ltd. Fall Protect Ltd. Capital Precut. Wood Developments Group Ltd. Valley Plumbing Ltd. Electrical Services Ltd. Elite Plastering. 6P Painting and Decorating OneSecurity “Special thanks to the families that sponsored the new rooms, The Nikau Trust, Carterton Rotary, and our friends and supporters across the district that helped us in so many ways. You know who you are. You are our biggest rocks, and our community is indebted to you. Thank you!” Anyone wishing to contribute to the continuing welfare of Carter Court’s residents can contact Jo McDonald on 06 379 8075 or email manager@cartercourt.co.nz. There are many ways to help: donate, volunteer, fundraise, leave a bequest, become a friend of Carter Court, or sign up to receive their newsletter.

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Is a reverse mortgage on your home the answer to obtaining more cash in the hand? A house can’t buy your groceries or buy a new washing machine when yours unexpectedly stops working. But reverse mortgages can turn some older homeowners’ bricks and mortar into dollars. Here’s what you need to know about reverse mortgages, including the fish hooks. When people hit 65 they can still have 25 or 30 years of living to fund, thanks to increased life expectancies. A high proportion (60 per cent) of those aged 65 and over depend entirely or largely on NZ Superannuation for their income. As a result, money can be tight, especially when unexpected expenses come up. You must be at least 60 before you can apply for a reverse mortgage. You can only borrow a percentage of your home’s value. Your home needs to be

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SPECIALS

Court Court sta° in the new hospital wing giving a huge ‘thank you’ to everyone who has helped make it possible

mortgage-free, although you may be able to borrow if you have a small mortgage left and use the loan to pay it off. Reverse mortgages generally come with a lifetime occupancy guarantee, which gives borrowers the right to live in their home for as long as they choose. They also usually offer a “no negative equity” guarantee that ensures that you – or your estate – won’t have to repay more than what your house sells for. You won’t be leaving your children with a debt if the house sells for less than the amount of the outstanding loan. What if you want to leave something to your family, or keep something to pay for future care? The lender may offer equity protection, which guarantees a pre-set percentage of your equity is “protected” when it’s time to pay back the loan – no matter how much you owe. The drawback is that the amount you can borrow is reduced as a result of taking this option. You can take the money as a lump sum, draw on it as needed, or receive regular payments. The last two options can help keep the interest down if you don’t need the whole amount right

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away. But make sure the “regular payments” option won’t affect any income you’re getting from the government (this shouldn’t be a problem if all you get is NZ Super; if you get other assistance ask Work and Income about how it might affect you). You can use the money for anything you want: holidays, cars, property maintenance, health care or just as an income topup. Some people borrow because they want to stay in their existing home, with family and friends nearby. But they need a little more money to make life comfortable.

Protections

Getting independent legal advice before your loan is finalised is essential to make sure you fully understand how the reverse mortgage works. Heartland Bank has a cooling-off period of 30 days and SBS Bank five days. Check the contract – you may get the application fee refunded if you change your mind and pay back the loan but, at their discretion, both banks are able to charge for reasonable expenses on cancellation, as well as any interest owing. Both lenders are Continued on page 26

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Is your Trust still required or if still required, do the terms of the Trust Deed need to be varied to comply with the terms of the new Trusts Act? The following is a broad summary of the changes to the new Act which affects the duties imposed on Trustees. Section 22 of the Trusts Act provides that there are mandatory trustee duties in s 23 to 27 that cannot be avoided or contracted out of. These are duties to: • know the terms of trust • act in accordance with terms of trust • act honestly and in good faith • act for benefit of beneficiaries or to further permitted purpose of trust Section 28 of the Trusts At provides that there are default trustee duties in s. 29 to 38 that must be performed unless modified or excluded. These duties include: • exert care and skill • invest prudently • consider whether the Trust is necessary? • regularly and actively consider exercise of power • not bind trustees to future exercise of discretion • avoid conflict between benefiicaries • to act impartially • to act unanimously There is a presumption that Trustees must disclose basic trust information to include: • the names of a discretionary beneficiary/beneficiaries of the trust; and • the name and contact details of the Trustee; and • the occurrence of, and details of, each appointment, removal, and retirement of a Trustee as it occurs, and • the right of the beneficiary to request a copy of the terms of the Trust Deed and/or Trust information Trustees, particularly independent Trustees must be made aware of their obligations so as to ensure that they are not in breach of the obligations imposed on Trustees which will minimise their risk of beneficiaries of the Trust taking action against the Trustees for a breach of Trust.

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