Grey Power September 2017

A lifestyle quarterly and official publication of Grey Power
www.greypower.co.nz
ISSUE 31 : SEPTEMBER 2017
Happy Anniversary Grey Power Electricity
Power company saves members
more than two million dollars
It’s celebration time!
Grey Power members have
had four years of access to
Grey Power Electricity and
have realised more than
$2 million in electricity bills
savings since inception.
To the credit of certain Grey Power
members at the time, their vision
and foresight have not only
delivered savings to a large part of the
membership but they have been able to
develop the largest source of federation
income; to benefit all members.
This initiative has not only created
thousands of happy customers, it has
pushed the competition across the country
to up their game.
At the Grey Power Federation Annual
General Meeting this year, Pulse Energy
CEO, Gary Holden said “We are very
pleased to have delivered on the original
concept Bob Thompson, Mac Welch and
Allen Davies had.
That idea being: “If we could create the
best, most transparent electricity offer
in the market, all other retailers, to keep
their customers, would have to offer up
better deals.
“So, in a way, Grey Power Electricity
has served every member in the federation,
either as a direct customer of Grey
Power Electricity or by getting them a better
price than they had.”
On average, it is believed each member
household saved at least $250 per
year compared with where they were at
in 2012.
Grey Power members were also promised
that even if the energy price went up
in the market, they would be covered by
Price Protection for an initial five years.
Mac Welch, chair of the Commercial
Opportunities National Advisory Group
and current Grey Power Electricity Board
member has carried on with this promise.
Mac was instrumental in obtaining
Pulse’s commitment to extend the Price
Protection level for another three years.
“As your representative, I am ensuring
our relationship with Pulse is always
managed in a way to ensure our members
are getting a great price.
“We will be pushing Pulse every year to
build this brand even stronger and to improve
the services and offerings available
to our membership,” says Mac.
His work has meant a Grey Power
Electricity customer would have had
Price Protection for a full seven years if
they signed up in 2013. “And we are not
done. We have many new ideas to bring
your way in the next few years.”
For many who have been lured away
to other retailers such as Flick Energy
and Electric Kiwi, this is very good news.
Those companies are feeling the pressure
of high prices today.
Gary Holden
This initiative has not
only created thousands of
happy customers, it has
pushed the competition
across the country to up
their game.
“I know of a Flick customer who received
a July bill that was two times more
expensive than last year. They were quite
jealous of our Price Protection… it looks
pretty good now,” says Mac.
“Pulse has been open to our ideas
from the beginning and has been a good
partner. Judging by what we are hearing
Mac Welch
coming down the pipeline, we will be able
to see even more benefit in the future.”
Pulse Energy remains a disruptive
force in the electricity market. It has added
gas and LPG in recent times and will
soon be launching solar power.
“It is our sincere hope that becoming
or remaining a customer of Grey Power
Electricity will never be a bad decision,”
said Mr Holden.
“We will not rest from the job of bringing
our customers benefits over time. We
are committed to the idea that adding
more services will enhance your savings
and improve the financial strength of the
Grey Power Federation at the same time,”
he said.
Four years and a big impact; and plenty
to look forward to in the years to come.
Happy Anniversary Grey Power Electricity!
President’s
report
p10
Special survey
– aged care and
retirement villages
p15, 17
Letters
p27, 28, 29
Travel
p51-56
Summerset
retirement villages
Find out why 4,200 residents in
21 villages call Summerset home.
Call for a free
information pack
0800 786 637
summerset.co.nz
Love the life
SUM0713

2
NZ GREYPOWER MAGAZINE » SEPTEMBER 2017
“
stress
It takes the
away”
Life presents a lot of curly questions! “What’s going to happen when I get
older still? How can I feel safe and secure without being a burden?”
Liz found that seeing truly was believing in putting to rest anxieties about
retirement villages. “What I did know was that I did not want to live on
my own anymore. It was my decision.’’
Liz has always lived with lots of people around. From boarding
school at age 10, to raising four children, Liz’s life was always busy.
It still is.
She enjoys the company of other residents, and the luxury of
choosing from a menu for a freshly-prepared midday meal which
Liz eats surrounded by friends. The meal provides an important
daily social outing and there is a lovely buzz and vibrancy
about the place. “We talk about life in general, but we stay
away from politics,” Liz chuckles.
While Liz points out that she is still fi t for her age, her
decision to choose serviced apartment living was
based on wondering what the future might bring.
Her serviced apartment – which she has set up
exactly how she likes it – allows Liz the balance
of maintaining her independence, whilst having
the security of extra help if she needs it.
“It makes me feel years younger to know help
is there if I need it. It takes the stress away.”
To see L iz’s full story
or for more information about
the Ryman difference visit
www.rymanhealthcare.co.nz
or phone Josie on 0800 000 290

NZ GREYPOWER MAGAZINE » SEPTEMBER 2017 3
Superannuation may be more flexible
than you expect
Are you aware that there
is more than one type of
superannuation payment? I
discovered this when I was
researching a query from a
superannuitant.
FROM KILIAN DE LACY
A
married couple who normally live
in New Zealand and own a house
and car here also own a campervan
in Australia and are very keen to travel
around that country at length and still receive
their superannuation payments.
Now you will know that MSD insists
that the length of such an absence from
New Zealand must be limited to 26
weeks, at which point the superannuation
is cut.
However, this couple wanted to be able
to stay touring Australia for longer than
that. Hence the inquiry.
On contacting MSD, I found there were
three types of superannuation payments:
• Domestic
• General Portability – travelling
• General Portability – residing
The prescriptions on the MSB website
state: “Rules around travelling for more
than 26 weeks:
If you are planning to travel for more
than 26 weeks through one or more countries
and have no intention of living in
any of the countries you’re visiting, you
may be able to receive up to 100 percent
of your New Zealand Superannuation (NZ
Super) or Veteran’s Pension payments
while you’re away.
Important information
You need to contact the department at
least six weeks before you leave New Zealand
to apply to get your payment overseas.
Who can get it?
You can get up to 100 percent of your full
NZ Super or Veteran’s Pension when you
travel to one or more countries for longer
than 26 weeks that:
• New Zealand does not have a Social
Security Agreement with
• Is not one of the 22 Pacific countries
covered by the special portability.
You’ll need to:
• Qualify for the NZ Super or the Veteran’s
Pension in your own right and not be
‘included’ in your partner’s payments
• Be ordinarily resident in New Zealand
when you apply
• Intend to travel overseas for more than
26 weeks
• Complete an application for payment
which states the country or countries in
which you intend to travel.
The time you have been outside of New
Zealand may be counted towards the time
you have lived in New Zealand.
These circumstances can be:
• If you (or your spouse/partner) were
doing missionary work on behalf of a
religious body
• For special medical or surgical treatment
• Vocational training
• Mariner working on New Zealand
registered or owned ship’s member of a
New Zealand or Commonwealth defence
force serving overseas
• If you (or your spouse/partner) were
working overseas and paying New Zealand
income tax on earnings
• As a volunteer appointed by Volunteer
Services Abroad Incorporated.” (MSD)
I hope this information is as much
news to you as it was to me.
It may come in handy for you one day.
Tokaanu Lodge MoTeL
Corner of State Highway 41 & Mangaroa Street,
Tokaanu, Lake Taupo
Tel: 07 386 8572 Fax: 07 386 8592
Email: tokaanulodge@farmside.co.nz
Web: www.tokaanulodgemotel.co.nz
Stay and relax in our hot mineral pools.
Tokaanu, an historic settlement lying 5km to the north west of
Turangi which is at the southern end of Lake Taupo. An ideal base for
those seeking to access the volcanic Tongariro National Park.
Special rate of $325.00 for 5 night stay from
Sunday to Thursday inclusive for two persons.
Does not include weekends, public holidays or school holidays. There will be no
servicing of the unit. Must show Grey Power or Gold Card Membership card on arrival.
XTR-Vision with Lutein 20mg
Supports Macular eye health and maintains eye moisture
Gold Health XTR-Vision is a high potency complex of
nutrients that is based on current research into eye health. It is
now widely acknowledged that proactive use of antioxidant
nutrients, in particular Zinc, Lutein and Zeaxanthin, has a
positive effect supporting the maintenance of eye health as we
age. Vitamin A helps protect the surface of the eye, supports
moisture and is essential to good eye health. Vitamin D is
essential for maintaining vision. Flax Seed Oil provides Omega
3 and supports eye moisture levels. Alpha Lipoic Acid is a
powerful antioxidant conferring broad spectrum protection from
damaging free radicals. Collectively the ingredients in Gold
Health XTR-Vision are a synergistic complex that supports
optimal vision and eye health. Free post envelope included for
return payment or by credit card at time of ordering.
Supports Macular eye
health 20mg Lutein
60 Capsules $42
1 A Day XTR-Vision
For more details
Call 0800-777377
www.goldhealth.co.nz
Caution: Always read the label and use as directed. Supplements are supplementary to and not a
replacement for a balanced diet. See your healthcare professional if symptoms persist.
FREE DELIVERY: All prices are for Super Annuitants only (aged 65 years and over)
Gold Health, P.O.Box 35197, Browns Bay, Auckland. www.goldhealth.co.nz TAPS PP9243

4
NZ GREYPOWER MAGAZINE » SEPTEMBER 2017
SPECIAL SURVEY
Demand grows for a super seniors’ vehicle
In our June issue we told
the story of super seniors’
vehicles and ran a survey
to enable you to tell the
people who produce
automobiles around the
world what they might do
to make things easier for
the ageing motorist.
However, we didn’t give you an address
to which to send the completed
survey forms.
That being the case we felt it important
to give all our readers a second go (a first
if you didn’t read it last time).
Please fill in the survey, add any comments
you feel add the importance of
your statement and send the forms to:
Grey Power seniors’ vehicles survey
PO Box 1425
Waikato Mail Centre
Hamilton
Please read on...
It would seem self-evident that young
outdoor sports enthusiasts are the biggest
drivers of sports utility vehicles sales. But
no, it’s demand from older people that
is making SUVs and SUV-crossovers the
fastest growing category of vehicle in New
Zealand and the United States.
The increasing popularity of SUVs
is matched in the US by demand for big
pick-ups like the Ford F150, once a farm
truck at home on the range but now a domesticated
beast found parked at urban
shopping centres.
The burgeoning popularity of SUVs
and trucks is not because older people are
suddenly taking up skiing and competitive
cycling in greater numbers, or have
developed an obsession for haulin’.
Quite the contrary, our population is
generally becoming less and less mobile
as it ages. And it is that fact which is driving
old people out of their sedans and into
SUVs.
SUVs and crossovers (CUVs) made up
33 percent of new vehicle sales in New
Zealand, 2015. In the United States it was
35 percent for the same year. (CUVs combine
features of a station wagon or hatchback
with the heavier-chassied sports
utility vehicle.)
It is incorrect to assume that those
aged over 65 are more sedentary than
previous generations. To the contrary, a
greater proportion are more active than
our parents at the same age.
People are skiing and snowboarding
into their 70s and 80s, thanks to better
equipment, better training techniques
and improved health practices.
In New Zealand particularly, we have
plenty of ancient mariners still mucking
about in boats, and you’ll find flocks of
ageing cyclists cranking around our roads
and dirt trails.
But despite their remarkable physical
prowess on the slopes or in the saddle,
many are often defeated in the car park.
Carol Jones is a slim trim 60-plusyear-old
cyclist who has powered around
the Taupo Lake Cycle Challenge several
times.
But getting her bike on the roof of her
car afterwards has become a problem.
“I used to be strong enough to get my
bike up there by myself but I just don’t
have the upper body strength now to do
it. So I have to get some guy to do it, and
that’s not how I see myself.” (“Why not a
bumper-mounted bike rack?” “Gears get
coated in road grit, and you can’t open the
back hatch.”)
Carol sees this “failure” as a portend.
“All downhill from here on, no pun intended.
I’m facing the fact that getting
easy access to my gear is going to become
more difficult.”
Helen Black has other worries. In
her 70s, she power walks every morning
around the Auckland Domain, but using
her vehicle is more uncomfortable than
the footslog. The walking keeps her arthritic
knees and hips “well oiled” but she
stiffens up in the car and finds it painful
getting out when she arrives home.
Like so many of her peers, she’s thinking
about selling her Accord and buying
a Hyundai SUV. More people are opting
for vehicles with higher axle height, taller
seats and greater head room so they can
just slide their bums in sideways without
bending and twisting.
About 14 percent of New Zealand’s
population is more than 65 years old, almost
identical to American demographics.
And that proportion is expected to
increase exponentially over the next two
decades.
As we live longer, and even if we have
lived healthy, athletic lives like Carol and
Helen, we accumulate age-related conditions
that incrementally diminish mobility
- sore backs, tight shoulders, stiff hips
and bad knees.
We can predict that the older we get,
the less free-moving we are likely to
become, to a point where even simple,
everyday tasks like grocery shopping and
travelling to visit friends become more arduous.
Outside the Grey Lynn Countdown,
Ken Williams is trailed by a supermarket
employee carrying groceries to his Suzuki
Vitara. He’s had an SUV for years - he
used to be a keen hunter but “a bung hip”
means walking across the car park feels
like a cross-country hike these days.
So while sliding behind the wheel is
reasonably comfortable, loading and unloading
stuff is problematic.
“I get one of the boys to help me in with
the bags. The problem is when I get home,
bending over to pull them out of the back
is bloody sore. If I didn’t have to bend
over and reach in, I wouldn’t have a problem.
But I do, and I do!”
The last few years has seen big changes
to vehicle design - steering-wheel controlled
sound systems, big screen GPS
and mobile phone-linking systems, elec-
Continues page 8

Osteo MX3
Glucosamine and Omega 3 Combo
Osteo MX3 Advanced Joint Health
NZ GREYPOWER MAGAZINE » SEPTEMBER 2017 5
OsteoMX3 by Gold Health Ltd is a powerful joint support combination providing
two of the most valuable ingredients recognised for superior joint health.
Glucosamine Hydrochloride is used extensively to support cartilage health
around the joints and through many clinical studies has been shown to
support joint health and repair. Fish Oil Omega 3 has also been studied
extensively and has been shown to support healthy blood flow through and
around the joints whilst Boron, which is often deficient in New Zealanders, is a
highly regarded mineral in bone formation and is added for extra support to
bone health. Manufactured in New Zealand using selected quality imported
ingredients under strict GMP (Good Manufacturing Practice) quality controls to
the highest international standards.
Each capsule contains:
750mg Glucosamine
500mg Omega 3 (Fish Oil)
1mg Boron • Dose: 2 per day
Free Delivery
Ph 0800-777377
Testimonials:
Dear Gold Health. Thank you so much for your prompt attention to my
order (Placed yesterday PM) which I received mid morning today. It
was a pleasure to speak to a human and not have to press this, that or
some other number then hold before placing the order. Your courtesy
is very much appreciated.
Regards L.G
To all at Gold Health. Thank you for your pleasant personalities and,
as always, very prompt attention.
Regards N and T
To Gold Health. Many thanks for your prompt and friendly service.
Kind wishes Jenny
180 Capsules $42 or 360 Capsules $74
Muscle relax & Sleep
Ultra-Absorption Super Magnesium1000
Free Delivery
Ph 0800-777377
ULTRA- Absorption
With Co-factors Vitamin B6, Selenium and Vitamin D
100% New Zealand owned and operated
Gold Health Super Magnesium 1000 is a high absorption complex of organic magnesium salts
and does not contain inorganic magnesium oxide or phosphate, which have poor bioavailability.
Super Magnesium 1000 has been formulated to include magnesium citrate, magnesium
aspartate, magnesium orotate and magnesium amino acid chelate. Research has shown
these organic forms are much better absorbed and are better utilised than inorganic forms.
This formulation also contains vitamin B6, vitamin D and selenium as co-factors involved in the
optimal absorption and utilisation of magnesium. Super Magnesium 1000 also supports healthy
heart function; muscle relaxation and tone; sleep and relaxation and nervous system balance.
SUPERIOR LOW ALLERGY FORMULATION: This formulation is free from added sugars, yeast,
starches, gluten, wheat, corn or other cereals, dairy products, colouring, preservatives or
artificial flavours. To order call 0800-777377 Free delivery nationwide. Free post envelope
included for return payment or by credit card at time of ordering.
120 Tablets $42 or
2 Bottles $74
(Ultra-Absorption Super Magnesium 240 Tablets $74)
Caution: Always read the label and use as directed. Supplements are supplementary to and not a replacement for a balanced diet.
See your healthcare professional if symptoms persist.
FREE DELIVERY: All prices are for Super Annuitants only (aged 65 years and over)
Free ph: 0800-777377 or visit www.goldhealth.co.nz
Gold Health, P.O.Box 35197, Browns Bay, Auckland
TAPS PP9748

6
NZ GREYPOWER MAGAZINE » SEPTEMBER 2017
GOLD WINNERS
FOR BEST TOUR
OPERATOR AT THE
AUSTRALIAN
TOURISM AWARDS
Rob & Toni on winners
podium 24 Feb 2017
DARWIN, KAKADU,
THE KIMBERLEY &
BROOME
12 days $6600pp AUD Twin Share
TOUR INCLUSIONS
• Economy class flights to Darwin and
from Broome ex Brisbane, Sydney or Melbourne
• 5 star accommodation in Darwin
• Litchfield National Park day tour visiting the
termite mounds, Florence Falls & Wangi Falls
• Darwin city sights tour visiting Museum
& Art Gallery
• Seafood dinner at sunset
• 2 nights Kakadu; Yellow Water wetlands cruise
• INCLUDED 25 minute scenic flight of Kakadu
• Ubirr and Nourlangie rock art sites
• Lazy Lizard Tavern
• 1 night Katherine; Katherine Gorge river cruise
• 2 nights Kununurra; Ord River cruise
• INCLUDED Scenic flight over Bungle Bungles and
Lake Argyle
• Argyle Diamond Mine tour
• 1 night Halls Creek; Geikie Gorge cruise
• 1 night Fitzroy Crossing; Derby Boab Tree
• 2 nights Broome
• Willie Creek Pearl Farm tour
• Pearl Riggers Museum; Broome Cemetery
• Camel ride on Cable Beach
• 32 meals
Horizontal Waterfalls Extender Package
available on request
Departs 16 & 26 May;
8 June & 10 July 2018
MELBOURNE TO
ADELAIDE
13 days $5999pp AUD Twin Share
TOUR INCLUSIONS
• Economy class flights to Melbourne ex Brisbane
or Sydney and from Adelaide to Brisbane,
Sydney or Melbourne
• Elite ‘Diamond Class’ coach touring
• 3 nights Melbourne
• Dandenong Ranges
• William Ricketts Sanctuary
• Cuckoo Restaurant
• Puffing Billy train tour
• Colonial Tramcar dinner
• 2 days travelling The Great Ocean Road
• 1 night Warrnambool
• Port Fairy guided tour; Blue Lake
• 1 night Mt Gambier; Victor Harbor
• 3 nights Adelaide
• Adelaide city sights tour
• Adelaide Hills & Hahndorf
• Adelaide Zoo Panda & Friends Experience
• Barossa Chateau tour & lunch Mengler’s Hill
lookout, Herbig Family Tree
• 4 night Outback Heritage Cruise on PS Murray
Princess in outside twin bed cabins **Option to
upgrade to double cabin is subject to availability
and incurs additional fee of $200 per couple – this
must be booked separate to the tour and is not
included
• 34 meals
Departs 1 April 2018
THE GHAN ROCK ‘N RAIL
Adelaide, Alice Springs & Ayers Rock
10 days $6200pp AUD Twin Share
TOUR INCLUSIONS
• Economy class flights to Adelaide and from Uluru
ex Melbourne, Sydney or Brisbane
• 2 nights Adelaide
• Carrick Hill historic house tour
• Melba’s Chocolate & Confectionery Factory
• Fleurieu Peninsula, Willunga Hill
• ‘Murray Mouth River Cruise
• Horseshoe Bay, McLaren Vale
• Adelaide city sights tour
• Gold Service on The Ghan from
Adelaide to Alice Springs
• Marla sunrise experience
• 3 nights Alice Springs, Anzac Hill
• West MacDonnell Ranges, Flynn’s Grave
• Standley Chasm, Glen Helen Homestead
• Ormiston Gorge, Simpsons Gap
• Pioneer Women’s Hall of Fame
• Royal Flying Doctor Service
• Outback bush BBQ dinner
• 3 nights 5 star Ayers Rock
• The Olga’s at sunset with drinks & canapés
• Field of Light & Uluru Sunrise
• Uluru-Kata Tjuta Cultural Centre
• Camel Trek, Mala Walk
• Sounds of Silence dinner
• 25 minute Helicopter Tour of Uluru & the Olgas
• Maruku Arts dot painting workshop
• 26 meals
Departs 11 May; 8 June;
13 July & 3 August 2018
TOUR INCLUSIONS
HERON ISLAND
• Choice of Elite ‘Diamond Class’ OR
& CARNARVON
‘Gold Class’ coach travel ex Brisbane
GORGE WILDERNESS
• 3 nights Carnarvon Gorge National Park
10 days from
with scenic helicopter flight over the
$3940pp AUD Twin Share
escarpment
• 2 nights Heron Island Resort with daily
naturalist eco & bird watching tours and
reef walks on the coral cay at low tide
• 1 night Yeppoon; 2 nights Town of 1770
• 28 meals
Departs 30 May; 20 June 2018
HEROES OF
LONGREACH
& WINTON
RAIL HOLIDAY
7 days from
$2635pp AUD Twin share
$100pp
discount
for April
TOUR INCLUSIONS
• 2 overnight rail journeys in first
class cabins aboard the Spirit of the
Outback ex Brisbane
• Choice of Elite ‘Diamond Class’ OR
‘Gold Class’ coach travel ex Brisbane
• Unpack once with 4 nights quality
accommodation in Longreach with
daily tours to the iconic attractions of
Longreach & Winton; 17 meals
Departs 7 & 14 April; 12, 19
& 26 May; 9 & 30 June 2018
Tours, dates and prices are correct as at 22 August 2017. Prices and dates are subject to change without notice at time of printing. Prices are Per Person Twin Share.
www.funoverfifty.com.au
From Australia to the World Package Holidays

NZ GREYPOWER MAGAZINE » SEPTEMBER 2017 7
Image is artist impression only
Luxury ‘Gold Class’ fleet
Elite ‘Diamond Class’ arriving November 2017 (Business Class on wheels)
VIVID SYDNEY
SPECTACULAR &
BEYOND
In Diamond Class
6 days $2999pp AUD Twin Share
TOUR INCLUSIONS
• One way economy class flight to Sydney
ex Brisbane, Melbourne or Adelaide
• Chinese Garden of Friendship
• Visit to Madame Tussauds
• 3 nights Sydney
• Riverboat Postman cruise on the Lower
Hawkesbury River
• Scenic World Blue Mountains
• Sydney Harbour Clearview Glass Boat buffet
dinner cruise to see the VIVID lights at night
• Timbertown Heritage Park
• 1 night Port Macquarie
• Marine Magic at Coffs Harbour
• 1 night Ballina
• The Farm tour and lunch at Byron Bay
• 16 meals
• ‘Diamond Class’ tours include a beverage
package each evening with dinner
*standard beer, wine and soft drink*
Departs 30 May 2018
CENTRAL WEST & GULF
SAVANNAH SAFARI
Showcasing two iconic Outback
Rail Journeys
15 days $5998pp AUD Twin Share
TOUR INCLUSIONS
• Luxury ‘Gold Class’ coach ex Brisbane
• 1 night Roma
• 2 nights Carnarvon Gorge National Park
• Guided naturalist walks of the Gorge
• 20 min helicopter flight over the escarpment
• 3 nights Longreach; The Gemfields
• Australian Stockman’s Hall of Fame
• Outback Stockman’s Show
• Drover’s Sunset Cruise
• Qantas Founders Museum and jet tour
• Camden Park Station
• The Australian Age of Dinosaurs
• Walkabout Creek Hotel
• 2 nights Cloncurry; 2 nights Karumba
• John Flynn Place; Mount Isa mine tour
• Croc & Crab Sand Island Sunset Cruise
• Gulflander rail journey
• 2 nights Cobbold Gorge
• Cobbold Gorge cruise with Savannah guide
• Savannahlander rail journey; Copperfield Gorge
• 1 night Undara Lava Tubes and guided tour
• 1 night Cairns; transfers to Cairns Airport
• 42 meals
Departs 6 & 13 May; 3 June
& 17 June 2018
THE GHAN &
RED CENTRE SENSATION
An epic adventure into the heart
of the Red Centre
14 days $8500pp AUD Twin Share
TOUR INCLUSIONS
• Economy class flights to Adelaide and from Darwin
ex Brisbane, Sydney & Melbourne
• 2 nights Adelaide; Hahndorf village visit
• Murray Mouth River cruise
• Adelaide city sights
• Gold service on The Ghan from Adelaide to Alice
Springs & from Alice Springs to Darwin
• Premium dining and standard beverages included
on rail journeys
• 3 nights Alice Springs; Anzac Hill
• Outback bush BBQ dinner
• Pioneer Women’s Hall of Fame
• West MacDonnell Ranges; Flynn’s Grave
• Standley Chasm; Glen Helen Homestead
• 3 nights Ayers Rock
• Uluru sunrise & Mala Walk
• Uluru-Kata Tjuta Cultural Centre; Camel trek
• Olga’s at sunset with drinks & canapés
• INCLUDED 25 minute helicopter tour of
Uluru & the Olgas
• Sounds of Silence dinner
• 1 night Kings Canyon; 2 nights Darwin
• Litchfield National Park day tour visiting the termite
mounds, Florence Falls and Wangi Falls
• Darwin Museum & Art Gallery
• Darwin Harbour sunset seafood dinner
• 38 meals
Departs 18 May; 1 & 15 June
& 6 July 2018
TOP END
ENCOUNTER
Darwin, Litchfield National
Park, Tiwi Island & Kakadu
7 days
$3690ppp AUD Twin Share
TOUR INCLUSIONS
• Return economy class flights to
Darwin ex Brisbane, Sydney or
Melbourne
• 4 nights Darwin with daily tours
• Tiwi Island day tour
• Mindil Beach Sunset Markets
• Litchfield National Park day tour
• 2 nights Kakadu
• 30-minute scenic flight of Kakadu and
Arnhem Land; 17 meals
Departs 2 & 20 June;
4 & 13 July 2018
CAPRICORN COAST
& GREAT KEPPEL
ISLAND EXPLORER
7 days from
$2980ppp AUD Twin Share
TOUR INCLUSIONS
• One-way Tilt Train rail journey from
Brisbane to Rockhampton in Business
Class seats
• 5 nights Yeppoon
• Great Keppel Island day tour including
glass bottom boat cruise and lunch
• Capricorn Coast scenic
loop drive tour
• 1 night Town of 1770
• 19 meals
Departs
6 June 2018
Prices are quoted in Australian Dollars. Sole Use prices are available on each tour and are displayed in our full colour brochure. PP = Per Person. S1848
Ph: 0800 849 043 for a free 108 page brochure
(Free call from New Zealand)

8
NZ GREYPOWER MAGAZINE » SEPTEMBER 2017
Fun Over Fifty - the best in
Australia – it’s official
Travel with the gold winner at the Australian Tourism
Awards for best tour and/or transport operator 2016
Australian and Queensland Tourism
Award Winners, Fun Over
Fifty has a select range of boutique
tours designed specifically for the
seniors’ market.
There is something for everyone with
an in-depth range of tours that visit every
state and territory of Australia, and account
for all interests.
All tours are fully escorted and are in-
clusive of quality accommodation, meals
and sightseeing.
Itineraries are meticulously designed
with the active seniors’ market in mind
and the company ethos of ‘Travel in style,
service with a smile’ is delivered through
outstanding customer service and exclusive
venues and inclusions.
Fun Over Fifty is a private, 100 percent
Australian owned and operated company,
passionate about delivering and sharing
amazing travel experiences with their
guests.
They are dedicated to supporting local
communities and environments, and are
proud to have been recognised within the
tourism industry as leaders in their field.
At the 2016 Australian Tourism Awards
Fun Over Fifty was awarded Gold for Best
Tour and/or Transport Operator and
BRONZE for Ecotourism.
These awards come on top of a host of
Queensland Tourism Awards as well as
the prestigious Gold at the 2016 Premier’s
Sustainability Awards.
And with the 2017 launch of the new
exclusively designed “Diamond Class’’
coach ‘Diamond-Tina’, Fun Over Fifty is
raising the standard of coach touring in
Australia, offering pure indulgence and
a level of comfort, class and style that is
unprecedented.
So, if you’re looking for a tour operator
who will take care of everything for
you, who is well established in the industry,
a recognised award winner and
guaranteed to deliver a fantastic, fun
and stylish touring experience, then Fun
Over Fifty is the company for you.
Fun Over Fifty owners proud to be recognised.
Easy-Lax
promotes easy,
regular bowel
movements
Containing five herbs proven to be
beneficial to the bowel. Easy-Lax works
gently over a 12 hour period reducing
wind, lubricating the colon and
promoting a softer more regular motion.
$30ea 100 capsules
DIRECTIONS: Take one or two capsules daily with a glass of water after your
evening meal. Do not use if pregnant or while breast feeding.
Always read the label and only use as directed.
60 DAY MONEY BACK GUARANTEE FREE DELIVERY
0800 140 141
www.healthhouse.co.nz
HEALTH HOUSE
1 Whakakake Street
Tauriko, Tauranga
TAPS PP1123
Demand grows for a super seniors’ vehicle
From page 4
✁
RESEARCH QUESTIONNAIRE
Name (optional):
_______________________
Age: _____
Gender: ___________
Physical Limitations (Injuries or
medical conditions that restrict free
movement and full strength). Please
list.
_______________________
_______________________
Household annual income:
$20-49k, $50-69k, $70-89k,
$90-109k, $110-129, $130-149,
$150 or more.
To what extent does your
physical limitation affect your
ability to get in and out of your
vehicle? On a scale of 1 - 5: I =
no difficulty and no discomfit, 5 =
extreme difficulty and discomfort.
1 2 3 4 5
What is the make, model and age
of your vehicle?
_______________________
_______________________
tric seat adjustments, reverse cameras,
etcetera. And in the future we can expect
energy efficient electric cars, and of course
self-drive vehicles.
But will designers reshape car bodies
for ageing bodies?
While SUV and CUV design certainly
makes it easier for people to get in and out
of their vehicles, it does not help them use
the cargo space, which is so much part of
the utility that manufacturers boast.
It remains to be seen whether car
builders anticipate the needs of ageing,
mobility-restricted populations.
Instead of concentrating on features
primarily for the young and sporty,
will they design vehicles designed for
their largest, non-young, not-necessarilysporty
fan base?
Roll on the day when the SUV will not
only be a Sports Utility Vehicle, but also a
Seniors Utility Vehicle.
It takes years for vehicle manufacturers
to take a new idea from drawing board
to assembly line, so it’s important for today’s
consumers to push for designs suited
for them next decade.
We’re interested to hear readers’ ideas
that could make vehicles more userfriendly.
Any suggestions that might help
you get groceries in and out of the car
more comfortably?
Any modifications that would make it
easier for drivers to hop in and out?
For instance, one thought is to have car
seats rotate slightly so that occupants can
step out without twisting their bodies.
If you are interested in this topic, send
us your ideas, and please fill in the survey
form below. Hopefully the results will inform
vehicle designers when they brainstorm
for the next generation of utility
vehicles.
Send to:
Vehicle survey
P.O. Box 1425
Waikato Mail Centre
Hamilton
Or email:
mike@nmmedia.co.nz
How often do you use your
vehicle?
1/ Once a day or more
2/ Every two or three days
3/ Once or twice a week
4/ A few times a month
Would you go out more often if it
was easier and more comfortable
to use your vehicle?
_______________________
_______________________
Do you use your vehicle to collect
groceries and other supplies?
_______________________
_______________________
Is it difficult or uncomfortable
to load and unload your vehicle
of groceries and supplies? On a
scale of 1 - 5: 1 = no difficulty and
discomfort,
5 = extreme difficulty and discomfort.
1 2 3 4 5
List any ideas you think would
help make it easier to get you and
your groceries in and out of a
vehicle
_______________________
_______________________

NZ GREYPOWER MAGAZINE » SEPTEMBER 2017 9
Order today! Call 0800 777377 or post in this form with your payment
2XP Super Omega3 - 1 Year supply
Double strength Fish oil
Osteo MX3
Glucosamine and Omega 3 Combo
Super Joint
Glucosamine and Chondroitin Sulphate complex
2XP Joint support
Glucosamine, MSM , Green lipped Mussel
Super Magnesium 1000
Muscle and Sleep support
XTR-Vision
Macular Eye health Lutein 20mg
Super Co enzyme Q10
Statin and energy support Q-sorb 160mg
Super Senior XP Daily Multi
Vitamins and Minerals to support good health
XTR-Super C 1300
Buffered to reduce the chance of gastric upset
Probiotic XP Restore BB12
Scientifically validated probiotic - Chewable
Vitamin D3 1000iu
Supports healthy bone mass and density
XTR-Memory Support
Formulated to support mental clarity and focus
Cranberry 100,000
Urinary Tract Health
Flax Seed Oil Organic 1000mg
Omega 3,6 and 9
Super ResVeratrol 225
Antioxidant to support good health
Title: Mr/Mrs/Miss/Ms ...............................................
Address: ....................................................................
....................................................................................
Suburb: ......................................................................
City: ........................................Post code: ................
Phone ........................................................................
I enclose my cheque order
payable to Gold Health
Please charge my Visa/Master card
Expiry date _ _ /_ _ _ _
365 Capsules $43
180 Capsules $42
360 Capsules $74
200 Capsules $55
400 Capsules $99
150 Tablets $67
120 Tablets $42
240 Tablets $74
60 Capsules $42
60 Capsules $41
180 Capsules $109
90 Capsules $39
200 Tablets $41
400 Tablets $72
100 Tablets $65
300 Capsules $44
60 Capsules $42
60 Capsules $39
120 Capsules $69
300 Capsules $39
60 Capsules $42
180 Capsules $109
Security number* _ _ _
*Security code: Last three digits on white strip on the back of the card
FREE POST Gold Health Ltd, P.O.Box 35-197 Browns Bay, Auckland 0753
Caution: Always read the label and use as directed. Supplements are supplementary to and not a replacement for a balanced diet.
See your healthcare professional if symptoms persist. *Minimum order $39
FREE DELIVERY: All prices are for Super Annuitants only (aged 65 years and over)
Free ph: 0800-777377 or visit www.goldhealth.co.nz
Qty
TOTAL
DELIVERY FREE
TOTAL
TAPS PP1203

10
NZ GREYPOWER MAGAZINE » SEPTEMBER 2017
Glucose response holds key to better drugs
in the fight against obesity, diabetes
New research into the mysteries of food digestion
has pinpointed exactly how an important metabolic
hormone is released from the human gut in
response to the food we eat.
For the first time, South Australian
researchers have recorded how human
gut cells react to glucose, one
of the key nutrients in our diet.
The study focuses on the secretion of
a hormone called glucagon-like peptide
1 (or GLP-1) from the lining of the gut.
When it is released after a meal, GLP-1
triggers insulin secretion from the pancreas
and signals fullness, to limit further
food intake.
As a result, this hormone has been the
focus of significant new drug development
for type 2 diabetes and obesity in
the past decade.
“But while we knew that GLP-1 was
important in diabetes and obesity treatment,
we still knew little about how the
release of this hormone was controlled in
humans,” says research leader Professor
Damien Keating, from Flinders University
and the South Australian Health and
Medical Research Institute (SAHMRI).
“We have now recorded how the arrival
of glucose in the upper intestine
triggers the release of this important hormone,
which has been a chief therapeutic
target for a number of diabetes and new
anti-obesity drugs.
“By learning more about the gut’s
mechanism to process glucose and pro-
duce this hormone, we can begin to develop
potential new therapies which may
be much more targeted and effective,”
Professor Keating says.
With obesity and Type 2 (acquired)
diabetes on the rise, these therapies will
be important in increasing public health
and wellbeing, and in reducing the future
cost burden of these conditions to the
community.
Drugs that mimic GLP-1, or increase
its levels in blood, are now used successfully
for the treatment of people with type
2 diabetes. In the past year, one such
drug, a long-acting stable version of GLP-
1, was approved in Australia as the first
new anti-obesity treatment in more than
10 years.
The latest GLP-1 research findings
have been published by the international
American Diabetes Association (ADA)
journal Diabetes.
Overweight and obesity are risk factors
for Type 2 diabetes, heart disease, high
blood pressure and other health problems
including osteoarthritis, cancer and
stroke.
University of Adelaide Associate Professor
Richard Young, senior co-author of
the paper, says these findings show that
the secretion of GLP-1 in humans is triggered
by the precise movement of glucose
across the gut and into the blood.
“This has revealed new ways that we
may be able to control GLP-1 release, and
in turn, further improve the outlook for
people with obesity and/or Type 2 diabetes,”
says Associate Professor Young, who
also is group leader of the Intestinal Nutrient
Sensing Group at SAHMRI.
The American National Institutes of
Health says more than two in three adults
are considered to be overweight or obese
and more than 1 in 20 adults are considered
to have extreme obesity.
“By learning more about
the gut’s mechanism
to process glucose and
produce this hormone,
we can begin to develop
potential new therapies
which may be much more
targeted and effective,”
Professor Keating says.
About one-third of children and adolescents
are considered to be overweight
or obese and more than one in six children
and adolescents are considered to
be obese.
The 7th edition of the International
Diabetes Federation’s Diabetes Atlas estimates
that while one in 11 adults has diabetes
(415 million worldwide), one in two
(or 46.5%) of adults with diabetes is undiagnosed.
Global expenditure on diabetes
was estimated at $US673 billion in 2015.
‘Mechanisms Controlling Glucose-Induced
GLP-1Secretion in Human Small
Intestine’ (2017) involves research by
Flinders University PhD candidate Emily
W Sun, Dayan de Fontgalland (Flinders),
Philippa Rabbitt (Flinders), Paul Hollington
(Flinders), Luigi Sposato (Flinders),
Steven L Due (Flinders), David A Wattchow
(Flinders), Christopher K Rayner
(University of Adelaide and Royal Adelaide
Hospital), Adam M Deane (University
of Adelaide and Royal Adelaide
Hospital), Richard L Young (University
of Adelaide and SAHMRI) and Damien J
Keating (Flinders and SAHMRI).
Professor Keating is a National Health
and Medical Research Council (NHMRC)
Research Fellow and the Head of the Molecular
and Cellular Physiology Laboratory
at the Centre for Neuroscience at the
Flinders University School of Medicine.
He also is a member of the SAHMRI’s
Nutrition and Metabolism Theme.
The research was supported by the
NHMRC and Australian Research Council.
Diabetes is recognised as the world’s
fastest growing chronic condition.
The number of people with type 2 diabetes
is growing in both developing and
developed countries, with diabetes linked
to 1.5 million deaths globally (2013).
Higher blood glucose levels also caused
an additional 2.2 million deaths, by increasing
the risks of cardiovascular and
other diseases (Diabetes Australia).

NZ GREYPOWER MAGAZINE » SEPTEMBER 2017 11
New diagnosis tool using near-infrared light may
spot patients at risk of heart attacks and strokes
Patients at risk of heart attacks and strokes may be
spotted earlier thanks to a diagnosis tool that uses
near-infrared light to identify high-risk arterial plaques,
according to research carried out at WMG, University of
Warwick, the Baker Institute and Monash University.
The scientists observed that when
they increased the wavelength of
the light currently used to visualise
the fatty build-up found in arteries (atherosclerotic
plaques) they could selectively
identify the rupture-prone deposits,
which commonly lead to blood clots,
heart attacks and strokes.
While some fatty deposits or plaques
can remain stable for years, other highrisk
cases develop complications, such as
bleeding into the plaque, which leads to
the formation of cracks and rupture of the
fatty plaque.
This can result in blockages in the
blood vessels causing a heart attack or
stroke.
Current imaging techniques are able to
identify some characteristics of high-risk
plaques but none are generally accepted
as reliable methods for selectively detecting
the dangerous plaques.
“What we have done uses innovative,
materials-based techniques to assist in
the development of new diagnostic tools,”
explains Dr Tara Schiller, WMG, University
of Warwick.
“This could help us to detect the threat
of an imminent heart attack and result
in a decrease of the mortality rates,” Dr
Schiller continues.
Dr Schiller from the International In-
Studying a new treatment for a
common men’s condition
A
New Zealand-first research study
happening in Canterbury could
make treatment of a common male
condition easier and less painful.
Up to half of 50-year-old men have
an enlarged prostate (Benign Prostate
Hyperplasia or BPH), with rates rising
to 75 percent by age 80. The condition
involves enlarged prostate tissue affecting
the urinary tube, blocking the flow of
urine.
When medications fail, the current
‘gold-standard’ treatment for BPH involves
an operation under general anaesthetic
and a one to three day hospital stay.
University of Otago, Christchurch,
researcher and consultant radiologist
Martin Krauss is studying the effectiveness
of a new, less-invasive treatment for
enlarged prostates called Prostate Artery
Embolisation (PAE).
The procedure is relatively new to clinical
use internationally, and can be done
by an interventional radiologist during
a day stay. Dr Krauss says with PAE, patients
are given a local anaesthetic in the
groin and a probe inserted into a small
incision.
“We hope this interventional radiology
procedure will make it easier, less invasive
for patients, and save the hospital
system money as people are not required
to stay in hospital for several days.”
Christchurch urologist Frank Kueppers
is involved in the research project,
which will compare the safety and effectiveness
of both treatments.
He says the procedure should be beneficial
for patients with a large prostate and
patients needing treatment with blood
thinners or conditions that would make a
general anaesthesia difficult.
As part of the study, 60 Christchurch
men will have either of the two treatments,
and be checked over five years.
It will be the first time the PAE procedure
is offered in New Zealand and will
add to the international body of evidence.
stitute for Nanocomposites Manufacturing
at WMG, along with colleagues from
the Baker and Monash University, have
discovered that increasing the wavelength
of the infra-red (IR) radiation currently
used to detect fatty deposit buildup
in arteries to near-infrared (NIR)
wavelengths allowed them to selectively
identify plaques with internal bleeding,
typically associated with high-risk
deposits.
The products causing this fluorescence
were identified using Raman spectroscopy.
They are thought to be a mixture of
heme products, formed during the degradation
of red blood cells.
These products were only observed in
the unstable plaques with internal bleeding
and not observed in the more stable
fatty deposits.
This can improve selectivity when
looking for high-risk deposits in patients
and could help doctors to identify the
most at-risk patients.
“Despite the millions of dollars spent
each year particularly on heart imaging,
there still isn’t a reliable way of identifying
these unstable plaques,” explains Dr
Karlheinz Peter.
“We realised when we shine a light in
the near-infrared wavelength range, that
this light is reflected at a certain wavelength.
“So in a way we can use laser light to
shine up the plaques that are unstable,
and it’s very characteristic,” Dr Peter
continues.
After further investigation with
clinical trials this method of imaging
technique could be used to assess unstable
fatty arterial plaques and could
be used to monitor the effectiveness of
Denis & Ruth Ryan
86b Ngataringa Road
Devonport Auckland 0624
New Zealand
Denis & Ruth Ryan
86b Ngataringa Road
Devonport Auckland 0624
New Zealand
Denis & Ruth Ryan
86b Ngataringa Road
Devonport Auckland 0624
New Zealand
Denis & Ruth Ryan
86b Ngataringa Road
Devonport Auckland 0624
New Zealand
Denis & Ruth Ryan
86b Ngataringa Road
Devonport Auckland 0624
New Zealand
Denis & Ruth Ryan
86b Ngataringa Road
Devonport Auckland 0624
New Zealand
Denis & Ruth Ryan
86b Ngataringa Road
Devonport Auckland 0624
New Zealand
Dr Tara Schiller
the drugs used to prevent heart attacks
or strokes.
The research ‘Near-infrared autofluorescence
induced by intraplaque hemorrhage
and heme degradation as marker
for high-risk atherosclerotic plaques’ is
published in Nature Communications.
RETURN ADDRESS
LABELS
FOR ENVELOPES • PARCELS • BACK OF CHEQUES
Self-adhesive. Will also make a very useful gift.
Processing takes 7 days. Prices incl. gst & postage.
Include a delivery address if different from label.
Denis & Ruth Ryan
86b Ngataringa Road
Devonport Auckland 0624
New Zealand
ACTUAL SIZE (Other samples are reduced to fit advert)
ORDER FORM
LABEL TEXT Up to 30 letters or spaces per line
ORDER NOW
for your
Xmas Cards
Denis & Ruth Ryan
86b Ngataringa Road
Devonport Auckland 0624
New Zealand
Denis & Ruth Ryan
86b Ngataringa Road
Devonport Auckland 0624
New Zealand
Denis & Ruth Ryan
86b Ngataringa Road
Devonport Auckland 0624
New Zealand
Denis & Ruth Ryan
86b Ngataringa Road
Devonport Auckland 0624
New Zealand
Denis & Ruth Ryan
86b Ngataringa Road
Devonport Auckland 0624
New Zealand
Denis & Ruth Ryan
86b Ngataringa Road
Devonport Auckland 0624
New Zealand
Denis & Ruth Ryan
86b Ngataringa Road
Devonport Auckland 0624
New Zealand
Denis & Ruth Ryan
86b Ngataringa Road
Devonport Auckland 0624
New Zealand
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
LABELS WITH AN IMAGE - Circle image required.
100-$30 250-$35 500-$45 1000-$55 2000-$75
LABELS WITH BLACK TEXT ONLY - No image.
100-$28 250-$30 500-$35 1000-$40 2000-$52
PAYMENT Cheque Visa Mastercard Amex
Card No. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Expiry . . . . . . . .
Cardholder . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Ph . . . . . . . . . . . . . . . . . .
Send this order form including payment to:
LITTLE LABELS
PO Box 32407 Devonport Auckland 0744 (86b Ngataringa Rd)
Telephone: 09 445 9003 • Email: office@littlelabels.co.nz
or order online at: www.littlelabels.co.nz
GP

12
NZ GREYPOWER MAGAZINE » SEPTEMBER 2017
Clinical pharmacists could be the
answer to reducing medication harm
While recent published research has shone light on
the problem of medicine-related harm, one innovative
pharmacy programme is pointing to a solution.
CALL TOLL FREE 0508 235 800
+ FREE DELIvERY
OvERNIghT
For orders over $60 ($7 postage &
handling for orders under $60)
BROThER INkjET
LC47
LC37/57
LC38/67
LC39
PRICE QTY
7.50
7.50
8.00
8.00
ORDER NOW!
CALL TOLL FREE 0508 235 800
MAIL • PHONE • ONLINE
Mail: Wholesale Toners NZ LTD, PO Box 39777, Howick, Auckland
Website: www.wholesaletoner.co.nz Email: sales@wholesaletoner.co.nz
TOTAL PAYABLE $___________
Add $7 Postage & Handling
[ for orders under $60. Code YE4]
I enclose my cheque/money order for $_______ made payable to Wholesale Toners NZ LTD
or please charge my credit card. Visa MasterCard (please tick)
Card No. Exp. Date: ________________
Signature: ____________________________________________Mr/Mrs/Ms _________________________
Address: _______________________________________________________________________________________________
______________________________ Post Code: _________ Phone: _________________ Email: _________________________
Check out our huge range of Laser
and Inkjet Cartridges Online:
B_____C_____M_____Y____
B_____C_____M_____Y____
B_____C_____M_____Y____
B_____C_____M_____Y____
Laser & Inkjet
printer cartridges
save
to80 up %
CANON COMPATIBLE PRICE QTY PRICE QTY
PGI 5 Black $12.50 ea ............
CLI 8 Black $12.50 ea ............
CLI 8 Cyan $12.50 ea ............
CLI 8 Magenta $12.50 ea ............
CLI 8 Yellow $12.50 ea ............
PGI 520 Black $12.50 ea ............
CLI 521 Black $12.50 ea ............
CLI 521 Cyan $12.50 ea ............
CLI 521 Magenta $12.50 ea ............
CLI 521 Yellow $12.50 ea ............
PGI 525 Black $12.50 ea ............
CLI 526 Black $12.50 ea ............
CLI 526 Cyan $12.50 ea ............
CLI 526 Magenta $12.50 ea ............
CLI 526 Yellow $12.50 ea ............
CLI 526 Grey $12.50 ea ............
PGI 650XL Black $12.50 ea ............
CLI 651XL Black $12.50 ea ............
CLI 651XL Cyan $12.50 ea ............
CLI 651XL Magenta $12.50 ea ............
CLI 651XL Yellow $12.50 ea ............
CLI 651XL Grey $12.50 ea ............
EPsON COMPATIBLE PRICE QTY PRICE QTY
73N Black $9.99 ea ............
73N Cyan $9.99 ea ............
73N Magenta $9.99 ea ............
73N Yellow $9.99 ea ............
81N Black $9.99 ea ............
81N Cyan $9.99 ea ............
81N Magenta $9.99 ea ............
81N Yellow $9.99 ea ............
81N Light Cyan $9.99 ea ............
81N Light Magenta $9.99 ea ............
Epson 133 Black $14.00 ea ............
Epson 133 Cyan $14.00 ea ............
Epson 133 Magenta $14.00 ea ............
Epson 133 Yellow $14.00 ea ............
Epson 138 Black $15.00 ea ............
Epson 138 Cyan $15.00 ea ............
Epson 138 Magenta $15.00 ea ............
Epson 138 Yellow $15.00 ea ............
Epson 200XL Black $14.99 ea ............
Epson 200XL Cyan $14.99 ea ............
Epson 200XL Magenta $14.99 ea ............
Epson 200XL Yellow $14.99 ea ............
hP COMPATIBLE PRICE QTY PRICE QTY
HP 920XL Black $10.00 ea ............
HP 920XL Cyan $10.00 ea ............
HP 920XL Magenta $10.00 ea ............
HP 920XL Yellow $10.00 ea ............
LAsER TONERs PRICE QTY PRICE QTY
ALL BRANDs AvAILABLE + DRuM uNITs
Brother TN2025 $45.00 ea ............
+
LC73/75/77 XL
LC133
LC137XL/135XL
Medwise, a Tauranga-based group
of pharmacists, go in to patients’
homes and check the medicines
they are taking to ensure they are correct
and being taken appropriately.
ORDER FROM ThIs ADvERT
AND gO IN ThE DRAW TO
WIN A $50.00
gROCERY vOuChER
Drawn at the end of each month
PRICE QTY
8.00
8.00
9.00
B_____C_____M_____Y____
B_____C_____M_____Y____
B_____C_____M_____Y____
HP 564XL Black $14.00 ea ............
HP 564XL Cyan $14.00 ea ............
HP 564XL Magenta $14.00 ea ............
HP 564XL Yellow $14.00 ea ............
Brother TN2150 $55.00 ea ............
Brother TN2250 $55.00 ea ............
www.wholesaletoner.co.nz
Clinical pharmacist with Medwise,
Pauline McQuoid, said medications are
an essential component of medical care
but they can also cause harm and it is a
positive development that we are now
talking about the problem.
“Medication harm is difficult to
identify and often goes unnoticed until
it causes obvious problems. We have
found medication errors in about one
out of every five medication reviews that
we have carried out over the past nine
years.
“GPs have many demands on their
time and they are under so much pressure.
It’s difficult for them to find the
time to carry out medication reviews.
So part of the solution could be to make
better use of clinical pharmacists, who
are medication experts and can focus on
getting the right combination and the
most suitable doses of medications as
intended by the GPs,” said Ms McQuoid.
In the UK, in response to the national
GP shortage, the National Health Service
is employing clinical pharmacists
and pharmacist prescribers in medical
centres to help GPs manage medications.
Ms McQuoid said clinical pharmacists
are an under-utilised resource
within the health sector.
“With the looming GP shortage in
New Zealand, it makes complete sense
to use this highly capable workforce of
clinical pharmacists to ensure we are
getting the maximum benefit from medicines
with an equal focus on reducing
harm.”
A study of medication harm in New
Zealand hospitals published in the latest
New Zealand Medical Journal found
that 28 percent of patients admitted to
hospital experience medication-related
harm.
Sixty-one percent of these harms
were minor but four percent were serious
and resulted in permanent harm,
death or required intervention to sustain
life.
Three out of ten medication harms
occurred in the community and caused
hospital admission.
Like the UK NHS, some general
practices in New Zealand are using
clinical pharmacists and pharmacist
prescribers to carry out medication reviews,
which is taking pressure off GPs
and helping patients.
This approach has been studied in
Hawke’s Bay and achieved a significant
reduction in falls as well as improvements
in diabetes and high blood
pressure.
How does Moses make his tea?
Hebrews it.
A cartoonist was found dead in
his home.
Details are sketchy.
I used to be a banker,
but then I lost interest.
England has no kidney bank,
but it does have a Liverpool.
They told me I had
type-A blood,
but it was a Type-O.
I changed my iPod’s name to Titanic.
It’s syncing now.
I stayed up all night to see where the
sun went, and then it dawned on me.

NZ GREYPOWER MAGAZINE » SEPTEMBER 2017 13
PRESIDENT’S REPORT:
Put aside the flag-waving and study just what
those political parties will do for us
With the general election not far away and the political
scene in something of a washing machine style turmoil
we will have to put all the hoopla and flag waving aside
and examine exactly what each party would do in
Government.
In spite of our best efforts over the
past several years we have received
little more than a polite hearing from
the present Government to our many requests
to improve essential services for
our members.
Many of them, particularly those who
live alone with only national superannuation
for an income, have a harder struggle
to make ends meet than many politicians
seem to understand.
We should perhaps also think beyond
our own immediate needs and consider
the many vulnerable groups in our society
who often have no one to turn to for
help.
While they may not be Grey Power
members they are our neighbours,
friends, family members and fellow New
Zealanders.
In an increasingly harsh world for
those at the bottom of the social order
many people survive on very little.
There has been an ongoing debate
about what our real business is or should
be. While we are generally focused on
the needs of people over 50 should we be
resticted to that? That will be an interesting
debate for the membership.
Elsewhere in this issue we have published
the responses of major parties to
our policy statements to help readers decide
who would best lead New Zealand in
Government.
Among our major concerns is the future
of national superannuation. We were
annoyed that Government chose to announce
an increase in the age of eligibility
for national superannuation, from 65
to 67.
While the move did not come as a complete
surprise we have made our disappointment
known in very clear terms.
We have initiated discussions with
Government to determine how those who
are physically unable to work to that age
will be treated with a clear indication that
we will not agree to them being treated as
beneficiaries.
This problem is not about those already
receiving national superannuation
but about those who will enter their retirement
years in the near future.
We are also concerned at the number
of people, of all ages, who are struggling
on very low incomes.
Poverty is much more than hungry
children, homeless families and old people
soleley dependent on national superannuation.
Many of our young people are also slipping
through the cracks in our education
system and missing out on the opportunity
to reach their full potential.
Already this year more than 1700 students
in Waikato have had applications
for help to pay for subject or scholarship
exams approved.
That they have to pay at all defies the
concept of a free and compulsory education
and the future some of those who
miss out on assistance looks gloomy at
best.
The Government is correct however
that the New Zealand economy is in
good heart but that economy is totally
dependent on a significant portion of
the population living on or below the
poverty line.
Our economy is only positive for those
with the ability to share in it.
Too many do not and comparisons
with other countries is meaningless as
wealth and poverty can only be measured
against each other within the same
system.
One of our board members, Christina
Humphreys has taken on a comprehensive
study of this very important and
complex problem and I hope to have her
report with recconmendations for the November
board meeting.
During our next visit to Wellington to
talk to Members of Parliament we will ask
them to ensure no one is prevented by
regional air plans from living in a warm
house during winter.
Our economy is only
positive for those with
the ability to share in
it. Too many do not and
comparisons with other
countries is meaningless
as wealth and poverty can
only be measured against
each other within the
same system.
While most regional councils and unitary
authorities have taken a practical approach
to the issue of air pollution during
winter, others require log burners older
than 15 years to be replaced regardless of
efficiency.
We will ask Government to require all
regional air plans to include a provision
for older solid fuel heaters to be upgraded
to meet reasonable air standards as a discretionary
activity.
Board member Roy Reid has been invited
to join a working group set up to review
the Government’s Age Care funding
model.
The Healthy Ageing Strategy now refers
to home care as restorative care and
this has raised the possibility that if a
person receiving home care has improved
health they may no longer qualify for
home care. We will be keeping a very close
eye on developments.
At our quarterly meeting in Nelson in
early August we welcomed Kilian de Lacy
to the board as the new representative for
Zone 4.
She has already taken on the responsibility
for advising the board on Government
social services.
She has also offered to take over the
production of the Bulletin which has been
edited and produced by Bob Thompson
for the past seven years.
We are indebted to Bob and many
President Tom O’Connor with Jan Pentecost who was re-elected unopposed
as Federation Board secretary at the AGM 2017.
people like him who work tirelessly in the
background on important work for our
members.
We were fortunate to have Jan Pentecost
re-elected unopposed as Federation
Board secretary at our Annual General
Meeting in May.
Jan is one of four board members
elected nationally who make up the federation
executive committee, along with the
president, vice president Pete Matcham
and treasurer Roy Reid.
Few people who have not served on the
board will know just how big Jan’s job is.
It can, at times, involve her in a series of
Your complete guide to
health, diet, nutrition
and natural foods
How do you obtain all the essential nutrients?
Is protein required by the nervous system?
Does magnesium protect against cramp?
Is Omega 3 essential for brain function?
Does iodine assist digestion?
Is Vitamin C required daily?
Manfred Urs Koch has had a lifelong
passion for natural health. After years of
intense research, he completed one of
the most comprehensive guides to
natural health.
$24ea 224 Pages
$20ea MULTI BUY
Buy two books and save $8
60 DAY MONEY BACK GUARANTEE FREE DELIVERY
0800 140 141
www.healthhouse.co.nz
ten or twelve hour days dealing with the
flood of Grey Power business and correspondence
which makes up a huge part of
what we do.
She also arranges and manages our
regular visits to Wellington to negotiate
with Members of Parliament.
These duties are in addition to running
her household, which often includes
three boisterous and lively grandsons,
helping on their small family farm and
serving as secretary of the North Canterbury
Grey Power Association and secretary
of Zone 6.
There should be medals for such people.
HEALTH HOUSE
1 Whakakake Street
Tauriko, Tauranga
TAPS PP1123

14
NZ GREYPOWER MAGAZINE » SEPTEMBER 2017
Quality care in local communities
Auckland • Waikato • Bay of Plenty
CHT is one of New Zealand’s leading
providers of residential care with over
50 years experience and a proud history
of innovative facility design and service
delivery. CHT hospitals, rest homes and
dementia care units have an enviable
reputation with modern facilities
carefully designed to create a sense of
home for residents who are cared for
by professional staff.
www.cht.co.nz

NZ GREYPOWER MAGAZINE » SEPTEMBER 2017 15
Aged care and retirement villages
Aged care
The recent announcement that
the Southern Alliance of District
Health Boards was changing the
provision of home care to Restorative
care as was outlined in the 2016 review
of the Ministry of Health “Healthy Ageing
Strategy” beginning on October 1 this year
is a concern.
The strategy states that ‘restorative
care” is commonly used to refer to the
building up of a person’s capacity and resilience
to maximise their autonomy.
We will watch very carefully as the new
programme is implemented to ensure that
the needs of those receiving home care
provides sufficient help for their homes to
remain clean as is currently provided.
It has been stated that the companies
providing the new programme will develop
a care plan for each person assessed
as being in need of care, by a team which
will include nurses, physiotherapists, and
occupational therapists and the care receiver
to develop a care plan for the delivery
of care.
For the many frail elderly who currently
are able to remain living at home with
the support of a home carer who provides
some personal care or cleaning in the
home will still need the current support in
the future due to the slow deterioration in
their health and the inability to perform
the tasks of keeping their homes clean and
tidy. For many older people their families
do not live close enough to be able to assist
their parents with household help on
a regular basis.
Many would be unable to afford to pay
for cleaning as well as meeting the cost of
living.
Families and friends can
reduce the risk of elderly
people being abused
Super Senior Patron Sir Peter Snell is asking New
Zealanders to look out for signs of elder abuse, and
to act on any concerns.
It’s estimated that up to 70,000 people
will experience some form of elder
abuse this year but most cases go unreported.
The high-profile examples of elder
abuse in the media show that some seniors
are physically and emotionally unable
to free themselves from abuse.
You can help put a stop to it.
Elder abuse can be, financial, psychological,
physical or sexual - or some mixture
of these.
More than three quarters of abusers
are family members.
Sons and daughters are the most frequent
perpetrators of elder abuse – often
feeling they have a sense of entitlement.
An older person is more at risk of abuse
if they are dependent on the perpetrator
or if the perpetrator suffers from depression
or alcohol and drug dependency.
Another warning sign is social isolation.
Caregivers, family members and victims
may avoid contact with others out of
shame or fear of discovery.
If you’re worried that someone is experiencing
elder abuse, it’s OK to help.
Something as simple as asking how
they are can make a real difference.
The sooner you reach out, the sooner
they can get help.
You can ask:
• Are you OK?
• Do you want to talk?
• Is someone hurting you
• Is there anything I can do?
If you’re concerned about how someone
is being treated you can call a free
and confidential elder abuse helpline that
has translation services. 0800 32 668 65
(0800 EA NOT OK)
Calls are answered by registered nurses
who can provide information and ad-
vice on elder abuse. They are also able to
direct you to local organisations that are
trained to help and protect seniors.
Examples of elder abuse:
Helen’s story
– financial abuse
Helen is an 80-year-old woman with a
chronic illness and poor mobility. Her
son, Peter moved in to be Helen’s carer
after his marriage broke down.
Peter does the shopping using Helen’s
ATM card and never shows her the receipts
when she asks.
There are unpaid bills piled on the table
and Helen tells you she can’t afford to
go out any more.
Mary’s story
– psychological abuse
Mary is an 83-year-old woman recently
diagnosed with depression.
Mary lives with her husband John .
Their daughter Frances notices that
her father is very controlling, puts her
mother down and refuses to take Mary to
church despite her asking repeatedly.
There is a history of family violence.
Ted’s story
– physical abuse
Ted is a 79-year-old man who has been diagnosed
with dementia and other chronic
illnesses.
He lives in social housing with his son
Brian who is his carer and has Power of
Attorney.
Brian has cancelled Ted’s age-care services.
Ted’s clothes are soiled and dirty and
he appears to have lost weight.
It is essential that all health
assessments are carried out by qualified
assessors.
The first assessment for home care is
carried out by a qualified InterRAI assessor
and an allocation of care time is made
by the health boards.
Currently follow-up assessments are
done by the DHB or health provider often
by telephone resulting in a reduction of
care hours.
All assessments need to be conducted
face-to-face to ensure a proper outcome.
At the Federation Board meeting held
on August 2 this year a resolution was
passed as policy that anyone undergoing
an interRAI assessment should have
a support person present unless they actively
decline.
The adopted report also made a recommendation
that the Advocacy Committee
advocate with the Minister of Health to
have all people assessed as to be able to
receive home care be re-assessed at six
monthly intervals by an approved inter-
RAI assessor, and before any reduction of
care hours can occur.
If we can get this accepted then the
re-assessments will be done
fairly face-to-face in the
home.
The six monthly re-assessment
would be the same
as for those receiving residential
care which the Minister
made mandatory.
Health professionals
must accept that the elderly
make slow recoveries and
for many elderly there
is a slow deterioration
in health that will not be
regained.
50097
Retirement villages
There continues to be many new
retirement villages being built in
most areas of the country.
For those that choose to purchase
|a “licence to occupy” a unit must take
legal and financial advice as required
by the Retirement Villages Act before
making the decision to proceed with the
purchase.
Recently we have been advised of the
development of several “Lifestyle Villages”
that are managed under the “Unit
Titles Act” which does not give the same
protection to residents as is given to residents
in a registered village.
Although there is title to the property
in a lifestyle village there will be fees that
the village may charge and this is the basis
for many complaints that are made to the
board.
Those considering living in any village
need to be aware of all charges for services
that maybe made by the village owner.
See survey on Page 17
Medal Mounting
• Court or swing style of full size
or miniature medals. Ribbon
bars prepared.
• Extra sets of medals for family
members. Supplier of replica
WWII wings and brevet.
• A framing service is available
for those within driving
distance of Kapiti.
Tony Prowse,
6 Chilton Dr,
Paraparaumu,
Kapiti Coast,
5032
Ph 04 297 3232
or email:
tsprowse@xtra.co.nz
30 years experience • NZ Defence Force approved mounter
ELDER ABUSE
Sir Peter Snell
PhD, KNZM, OBE
Dame Kate Harcourt
DNZM
IT’S NOT OK
SPEAK OUT
OUR SENIORS DESERVE
RESPECT
Dame Malvina Major
ONZ, GNZM, DBE
Precious McKenzie
MBE
Seung-jae Yu
Supported by SuperSeniors Champions
0800 EA NOT OK
Dr Hon Sir Pita Sharples
0800 32 668 65
TOLL FREE CONFIDENTIAL HELPLINE
www.superseniors.msd.govt.nz
QSM
Peter Chin
CNZM
KNZM, CBE
Nanette Nathoo
QSM
When you get a bladder infection....you know urine trouble.
I got a job at a bakery because I kneaded dough.
Broken pencils are pretty much pointless.

16
NZ GREYPOWER MAGAZINE » SEPTEMBER 2017
Enduring Power of Attorney
– protect your future
This month we are bringing to your attention the
importance of having an Enduring Power of Attorney.
What is this you might say and
why do I need it?
It is a legal document that is
witnessed and prepared for you under
your instructions to enable a person who
you choose as your attorney to make decisions
about your assets and liabilities
when you can no longer do this for yourself.
Life can be fragile and therefore it is
important that everyone should think
about protecting their future.
So you need to choose someone who
you trust to make decisions for you when
and if you are no longer able to do this
for yourself.
Often we need someone to make health
decisions for us regarding our personal
Inland Revenue is warning people
about a particularly sophisticated
email tax scam that has been
circulating.
They say they have had many calls
about this and are keen to prevent people
being taken.
They are circulating this warning as
quickly and widely as possible. They have
asked our assistance in this.
It is a phishing scam where people get
an email that looks like it’s from Inland
Revenue and also a form that looks very
convincing.
The email says the recipient has a tax
refund waiting for them and that they
need to update their financial information
in order to receive their refund.
The email address appears as “Inland
Revenue Department” but is actually sent
from IRDxxxxx@s1.nzr.review. The address
is false, but looks convincing to the
layperson’s eye.
care and welfare as well as your property
and valuables.
List of considerations before you see a
Legal advisor:
1. Who do you want your Attorney to
be and also what you do and don’t want
them to do on your behalf.
2. How your attorney might be supported,
do you need more than one attorney?
3. Friends, family solicitor accountants
advice.
4. Making a list of the main things that
you own, any money owed to you and
have you any debts.
5. Who else should have a copy of your
EPA, your doctor, dentist, bank, insurance
company and family/whanau.
6. The date your EPA should commence
from?
7. How your attorney might be monitored
such as by appointing a second person to
oversee your financial records and bank
statements. This could be done by having
two EPAs.
8. Who might step in as your EPA if something
suddenly happens to the first one.
Pamphlets that show you a list of the
considerations you need to make before
choosing your Attorney and presenting
it to a lawyer or the Public Trust to witness,
can be obtained from The Ministry
of Social Developments website
www.msd.govt.nz/epa or you can phone
0800 273 674.
Other areas of contact can be made at
your local Citizens Advice Bureau, Public
Library or Community Law Centre.
Scam warning from Inland Revenue
Inland Revenue issues
urgent email scam warning.
A form comes as an attachment called
TaxReturn.HTM. Again it looks convincing
but is fake and designed to collect personal
and credit card data.
Inland Revenue urges recipients not to
open the attachment.
If you have clicked on the form
and submitted any personal or credit
card data please contact your bank
immediately.
We also recommend you contact IDcare
(http://www.idcare.org or phone
0800 201 415).
People can also notify Inland Revenue
at phishing@ird.govt.nz
Examples of the form and the email
appear below.
EXAMPLE :
From: “Inland Revenue Department”
Date: 24 August 2017 at 17:41:31 GMT-6
To:
Subject: IRD Refund Status (IRD-1G993)
Inland Revenue Department (IRD)
25-August-2017
As you were informed, we have determined
that you should receive a tax refund.
We have tried to process your refund
however, the transaction has not been authorized.
Possible reasons are:
- Your financial information has been
changed or updated;
- Error with your personal information
(e.g. misspelled name or address).
To receive your tax refund, please follow
next steps:
- Save the attached tax return form and
open it in a web browser (e.g. Safari,
Firefox or Chrome).
- Once opened, you will be provided with
the steps to complete and submit your tax
return form.
Please allow up to 28 days for your refund
to be processed. In the meantime, if your
financial details are changed, please resubmit
the form. If you can’t download,
open or submit the form, please try using
a different browser.
Andrew Allen
Inland Revenue Department
Message ID: IRD029
This mailbox is not monitored and you
will not receive a response before to submit
the form.
To Unsubscribe from future notifications,
reply to this email with Unsubscribe in the
subject line.
Remember
“the good
old days”
I remember the cheese of my childhood,
And the bread that we cut with a knife
When the children helped with the
housework,
And the men went to work not the
wife.
The cheese never needed a fridge,
And the bread was so crusty and hot
The children were seldom unhappy
And the wife was content with her lot.
I remember the milk from the bottle,
With the yummy cream on the top,
Our dinner came hot from the oven,
And not from the fridge in the shop.
The kids were a lot more contented,
They didn’t need money for kicks,
Just a game with their mates in the
road,
And sometimes the Saturday flicks.
I remember the shop on the corner,
Where a pen’orth of sweets was sold
Do you think I’m a bit too nostalgic?
Or is it...I’m just getting old?
I remember the ‘loo’ was the lav
And the bogey man came in the night,
It wasn’t the least bit funny
Going “out back” with no light.
The interesting items we perused
From the newspapers cut into squares,
And hung on a peg in the loo,
It took little to keep us amused.
The clothes were boiled in the copper
With plenty of rich foamy suds
But the ironing seemed never ending
As Mum pressed everyone’s ‘duds’.
I remember the slap on my backside,
And the taste of soap if I swore
Anorexia and diets weren’t heard of
And we hadn’t much choice what
we wore.
Do you think that bruised our ego?
Or our initiative was destroyed?
We ate what was put on the table
And I think life was better enjoyed.
ANON
Oh yes.....those were the days.......
the good old days when everything
was so uncomplicated.
STANNAH STAIRLIFTS
THE STAIRLIFT PEOPLE
Working in partnership with leading
manufacturer Stannah Stairlifts, Independence
2011 have been changing peoples lives
in New Zealand, giving them back their
independence to go up and down their stairs
and stay living in the home they love.
• For Curved and Straight stairs
• Indoor and outdoor models
• Recondition units
• New Rental Scheme now available
• Free no obligation quote
Freephone
0800 92 66 77
www.independence.co.nz
50115

NZ GREYPOWER MAGAZINE » SEPTEMBER 2017 17
Restorative home care survey
What is the aim of the survey? The Grey
Power Aged Care and Retirement
Villages National Advisory Group would
like to know about issues regarding
older people receiving home care.
This information will be used to
ascertain whether or not there is a need
for Grey Power to advocate on this
subject. You can help if you are currently
receiving home help.
What will happen to the information you
give? This survey is anonymous. This
means that you will not be personally
identifiable in any advocacy activities
related to this survey. The survey responses
will be kept in a secure file.
If you accept this invitation, what are your
rights as a survey participant? If you do
decide to participate, you have the right
to choose only to answer the questions
that you wish to and to be informed of
the results of this survey
What is restorative care? In 2016 the
Ministry of Health’s paper ‘Healthy
ageing Strategy’ recommended that the
provision of home support care services
will be provided by a ‘restorative care’
model and defined ‘restorative care’
(page 15) as a process of building up a
person’s capacity and resilience to maximise
their autonomy.
Eldernet (NZ) elaborates further
by pointing out that “the main feature
of this model is that rather than ‘doing
things for older people’ we work alongside
them to ensure that their independence
is restored and maintained.
The emphasis of this model is on
keeping people physically involved and
active in their daily tasks and routines.
It uses both a person-centred and goalcentred
approach. Goals are individual
to the person and their current situation.
The emphasis is on supporting and
motivating the person to achieve their
goals and to maintain control over their
own life.” (https://www.eldernet.co.nz/
Support%20at%20Home/Service/Articles/ID/6)
The Southern DHB Alliance has decided
that from October 1 the restorative
care model, as described above, will be
used and it is likely this will also be introduced
by all other DHBs in the near
future. Grey Power would like to know:
Q.1 Are you aware that you should take
part in preparing your care plan along
with health professionals and providers?
¨ Yes
¨ No
Q.2 Do you think your health will
improve so that you can live at home
without support?
¨ Yes
¨ No
Q.3 Do you need home help to clean
your house to enable you to remain living
at home?
¨ Yes
¨ No
Q.4 If you answered yes to Q.3 and
home help is not provided by the DHB
providers do you have family or friends
capable of doing that work for you?
¨ Yes
¨ No
Q.5 If you answered yes to Q.3 and
home help is not provided by the DHB
providers can you afford to pay someone
to do the work for you?
¨ Yes
¨ No
Q.6 Do you receive personal care?
¨ Yes
¨ No
Q.7 If you answered yes to Q.6, is the
time allotted for the personal care that
you require enough?
¨ Yes
¨ No
Q.8 Have you ever been declined
home help because you have not been
receiving personal care as well?
¨ Yes
¨ No
Q.9 Has either or both of your personal cares
or home cares been stopped altogether?
Personal?
¨ Yes
¨ No
Home care?
¨ Yes
¨ No
Both?
¨ Yes
¨ No
Q.10 Has the allocated time for your
personal cares or home cares been
reduced?
¨ Yes
¨ No
Q.11 If you answered yes to Q.9 or
Q.10 how were you assessed?
Was it done by telephone?
¨ Yes
¨ No
Was it done in person by an assessor?
¨ Yes
¨ No
Q.12 Does your Gold Card have NZS/
CSC on the back of it?
¨ Yes
¨ No
Q.13 Please write down which DHB
area you live in?
________________________
If you have any other comments please
provide them below
________________________
________________________
________________________
________________________
________________________
________________________
________________________
________________________
Replies to be sent to:
Grey Power Federation
PO Box 272 1719
Papakura 2244
Thank you for completing this survey.
✁
Funding
options
available
Toilet seat solves problems
for arthritis sufferers
THE Bidet Shop® customer Mabel
suffers with arthritis and a painful
back condition but has found a
bidet has made the everyday task a
much simpler.
“It’s marvelous! I’ve always
wanted a ‘paperless’ bidet in my
bathroom and I wish I found it years
ago!” Mabel said. ”The bidet simply
replaced the existing toilet seat and
automatically cleaned without toilet
paper. The friendly staff explained
that the bidet toilet seat has many
health benefits as well as the comfort
factors of a heated seat and other
features” she said.
The bidet can be used in 2 simple
steps. Press the bottom/feminine
wash button and the bidet provides
ADVERTISEMENT
a stream of warm water to clean
thoroughly. Then with just the
push of another button, warm air
gently dries without the need for
toilet paper.
Mabel said that although The
Bidet Shop® offered to send out a
brochure pack, she decided to order
a bidet straight away. Well it arrived
a few days later.
“It is the best investment I have
made in my personal health and
hygiene in years and no longer finds
going to the toilet an issue”.
“Give it a go!” She says. “I did and
I couldn’t be happier”.
Grey Power readers may qualify
to have their Bidet fully funded
Turn your toilet into a bidet…
Simply by changing the seat
I did!...
It’s the best decision
I have ever made!
Installs in minutes
• Warm water wash
• Warm air dryer
• Soft closing lid
• Heated seat
Saves money!
Funding
options
available
For more information or to purchase phone
09 320 5676
5/31 Princes St, Onehunga
Voted Best Bidet
in the world
2 years in a row
Quote for Discount
709GP

18
NZ GREYPOWER MAGAZINE » SEPTEMBER 2017
Air plans must not threaten
us warns Grey Power president
Tom O’Connor
QUALITY, NATURAL HEALTH
PRODUCTS SINCE 1986
CAA - Multi
The most effective
multi mineral/vitamin
CAA - Multi is specially formulated by
New Zealanders, for New Zealanders. It
contains all the minerals known to be
lacking in our soil as well as important
vitamins and antioxidants that are
missing from our food and diet.
It allows your body to heal itself of
numerous health problems by providing
all the minerals and vitamins it needs.
CAA-Multi contains the correct balance
of the finest quality, minerals and
vitamins for optimum health and will
supply you with half your recommended
daily intake (assuming a normal diet).
It is your daily insurance to make sure
you have all the minerals and vitamins
needed to maintain a healthy life.
Benefits
• Maximum energy
• Brain alertness and clarity
• Relaxed body and mind
• Optimum blood sugar and cholesterol
balance
$45ea 60 capsules
Non iron and non sulphur
formulations available
INGREDIENTS: For a full
list of ingredients check out
www.healthhouse.co.nz/
product/CAA - Multi
Always read the label and only use as directed.
60 DAY MONEY BACK GUARANTEE
FREE
DELIVERY
WITHIN
NEW ZEALAND
& AUSTRALIA
1 Whakakake St, Tauranga New Zealand
NZ call free on 0800 140 141
AUS call free on 1800 140 141
Other countries call +64 7 543 0491
www.healthhouse.co.nz
Grey Power Federation is to ask Government to ensure
no one is prevented by regional air plans from living in a
warm house during winter.
National president Tom O’Connor
claims that while most regional
councils and unitary authorities
are taking a practical approach to the issue
of air pollution during winter others,
TAPS PP9883
including Environment Canterbury, require
log burners more than 15 years old
to be replaced regardless of efficiency.
“We will ask Government to require all
regional air plans to include a provision
HOW CAA-MULTI
WAS CREATED
I thought I would share
with you the story behind
our CAA-Multi capsules. If
you’re not familiar with CAA-
Multi, it’s a once a day, multi
mineral/vitamin capsule.
In 1982, my Dad, had a serious heart
attack, at the age of 66. He survived
this (in fact he lived to be 96) but it was
a wake up call for me. I was leading a
similar lifestyle and eating much the
same foods as he was.
Throughout the next five years I
intensely researched all aspects
of health, while at the same time
experimenting with my own health. This
research sparked a life-long passion for
natural health.
In 1988 I wrote and published a doit-yourself
book on practical nutrition
called “Stay healthy by supplying what’s
lacking in your diet”. The book has sold
over 88,000 copies to date.
In 2002 I read the great book “Cancer:
Cause and Cure” by 97 year old
Australian farmer Percy Weston
and immediately identified with the
importance of his findings regarding
common health disorders and depleted
soil minerals. After 50 years of
experimenting with his animals and his
family’s health problems, he identified
the minerals required for good health.
When the Stay Healthy book was first
published readers would often contact
me and ask where they could buy
supplements to provide the minerals
they lacked. I too was concerned that a
multi mineral vitamin supplement for our
unique New Zealand nutritional needs
was not available in NZ health shops.
A company in Australia was making
bottles of tablets that contained
magnesium, potassium, iron, zinc,
manganese and a few vitamins
so I began importing these for my
customers and myself. However, no
reports of effectiveness were coming
back from my customers, nor did I feel
that much different myself.
I was disappointed, but in fact this
turned out to be a benefit in disguise.
I had long been concerned that these
imported tablets did not contain the
most critical minerals we were lacking
here in New Zealand, especially
selenium, boron, iodine and copper. So
I thought, “Why not make them here in
New Zealand and include these missing
minerals?”
Making capsules at the new factory
David Coory is the
founder of Health
House and author
of Stay Healthy
by supplying
what’s lacking in
your diet, New
Zealand’s top
selling health book.
I then arranged for a New Zealand
company to manufacture my formula
in capsule form. I included the minerals
lacking in our soils and added sulphur
with the full range of B and other
vitamins, including B12 and D. To
make it more complete I also included
bioflavonoids, antioxidants and
included New Zealand sea kelp, which
contains numerous trace minerals
(including iodine) from the sea. I
specified that all the ingredients were
to be the finest and most absorbable
available. I genuinely wanted these
capsules to work as well as possible,
for my own health as well as for the
health of my readers.
I was in for a pleasant surprise. The
effectiveness of CAA-Multi exceeded
all my expectations. Positive reports
began to flood in from customers with
joint issues and other health conditions.
They mentioned increased energy,
improved sleep and better overall
health.
I largely attributed the success of
CAA-Multi to our immune system
being able to work as nature intended,
by having access to the minerals
previously lacking in our diet.
As our regular customers are aware, we
have been making CAA-Multi ourselves
(and nearly all our other products) since
2009 and built a new state-of-the-art
factory in 2014.
for older solid fuel heaters to be upgraded
to meet reasonable air standards
as a discretionary activity as
is the case in Marlborough.”
Tom said, while there were no
real issues with winter heating in
the far north, in many other parts
of the North Island and most of the
South Island winter heating, usually
and traditionally by log burners, was
essential for healthy warm homes.
“In parts of Canterbury
we now have people,
who can’t afford a new log
burner.
“They are living in unheated
homes through
the South Island winter,
in fear of having a smoky
chimney and copping a
penalty from their regional
council.”
He said it was now
known that tradesmen had
offered to upgrade older
style log burners in Canterbury
to meet the new standards
as early as 2011.
“It is a relatively
straight forward operation
which is organised on a
regular basis and in most
cases can be done with the
log burner in place.
“That submission was
either declined or ignored.
“There was also a suggestion
that older style log
burners should only be
replaced when the house
was sold. But that was also
rejected,” he said.
Tom also pointed out
that available in New Zealand
are Swiss made electrostatic
chimney filters
which have been successfully
trialled and approved
through most of Europe.
“They would cost
around $2500 to buy
and have fitted compared
with between $5000 and
$10,000 for a new log
burner which many people
simply cannot afford.
“Once again, the Canterbury
Regional Council
has refused to consider
anything other than taking
out older log burners,”
he said.
“We understand the
need to clean up the winter
air in many towns and
cities but those rules simply
cannot be so idealistic
and strict that people
are forced to live in cold
houses if they can’t afford
new log burners or extra
electricity.
“That is a death sentence
to many people on
limited incomes,” he said.
I’m reading a book
about anti-gravity.
I just can’t put it down.
I did a theatrical
performance about puns.
It was a play on words.
Why were the Indians
able to settle here first?
They had reservations.

NZ GREYPOWER MAGAZINE » SEPTEMBER 2017 19
Spirituality brings out the best in us
Spirituality is often associated with religion and thereby
neglected by those who might not consider themselves
Christian or spiritually-minded. In fact, spirituality
encompasses a much broader meaning and is directly
linked to your mental and emotional wellbeing.
D9058J
BY BRUCE STEVENS
Keynote speaker at the Selwyn
– Ageing & Spirituality Conference
It is incredibly important for everyone,
especially as we age, to be able to embrace
and connect with our spirituality
– our deepest values, beliefs and what
makes us tick – religious or not.
While many aged care facilities in New
Zealand already offer religious services,
more must be done to nurture the broad
spectrum of spiritual needs to enhance
the livelihoods of residents.
We need strong spiritual leadership
that is sensitive and inclusive to the diverse
cultural and spiritual values and beliefs
of New Zealand’s elderly population.
When we consider our everyday lives
and what makes us happy, there are a
number of factors that come into play and
• I’ve had my Aircycle for seven weeks
and use it regularly each evening while
watching the 6 o’clock news and again
for 10 minutes before bed. I haven’t
had any sign of cramp, which for
the last seven weeks was so painful.
Besides that both my ankles are back
to normal and not swollen anymore.”
– Margaret, Rangiora
• “I’ve been using my Aircycle for two
months. I’ve had arthritis in a couple of
fingers on each hand, also both wrists and
shoulders. Since using I’ve no more pain
in my shoulders (better sleep) and my
“wrists have improved no end – as have
my fingers.” – Maurice, Hamilton
• “The Aircycle is even better than the
information says. The pain in my knees
has gone and although I use a walker I
don’t need it around the house anymore.
I can move more freely and have much
less pain in both my hands and feet. My
feet are warmer too and now I don’t need
bed socks which I’ve worn for years.”
– Gay, Rotorua
• “What a bargain and what a success.
My wife uses it every time she sits
down. It’s so gentle on her aching feet
and legs which have now greatly improved.
We cannot speak too highly of the
• Diabetic foot care
• Relieving arthritic pain
• Reducing swollen ankles
• Improving joint flexibility
• Strengthening muscles
CIRCULATION BOOSTER
Helpful for:
• Cramps & restless legs
• Stroke rehabilitation
• Parkinson’s & MS
• Painful fingers & wrists
• Aching legs/sore feet
are underpinned by our spiritual maturity.
Our social and family relationships,
our sense of self-worth and contribution,
our contemplations and freedom
to be who we are, and our enjoyment
of hobbies and activities are just a few
examples.
All of these contribute to our spiritual
wellbeing, which has an unmistakeable
impact on our physical health.
From my experience as a clinical and
forensic psychologist, and as an ordained
minister for the Anglican Church, I have
come to know that, regardless of what underpins
a person’s spirituality, one thing
is certain – remove that spiritual connection
and things begin to get out of kilter.
As we get older, that spiritual connection
becomes even more important as we
seek to find fulfilment and meaning from
our lives.
When incorporated into aged care in a
Simple, effective exercise
while watching television
benefit she has received from the Aircycle.”
– Jack, Piha.
• “Recently I purchased an Aircycle to see
if it would help with my chilblains. I use it
while having my meals and in the evening
while reading and watching TV. In just
two weeks I noticed a vast improvement
and now the redness and swelling has disappeared
and I have no pain at all even
when walking. Also slight cramps experienced
at night are nonexistent. A wonderful
result.” – Helene, Kapiti
The Aircycle enables you to keep joints
and muscles moving in feet, legs, hands,
shoulders and lower back while reading,
watching television or working at your
computer. The exercise is non-weight
bearing and gentle, but hugely effective
for circulation, strengthening muscles
and keeping joints “oiled.”
Designed to ease the pain and stiff joints
of arthritis sufferers, the Aircycle also
helps people with diabetic foot problems,
swollen ankles, Parkinson’s, night cramp,
restless legs, sciatica and aids those who
sit for long periods on a plane or behind a
desk to help prevent blood clots.
Please see attached advertisement for
contact details.
• Cold hands and feet
• Travelling (DVT)
• Chilblains
• Sciatica
• Overuse syndrome
In chemists and mobility centres or visit www.aircycle.co.nz or
0800 14 14 15 or post $44.90 (incl.p&p) to Aircycle, PO Box 313, Waikanae. Elite Scooters
Where comfort and style matter
D9420J
www.elitescooters.co.nz
sensitive and respectful way, it vastly improves
quality of life.
Whether that’s through the types of
meals available, the style of accommodation,
the activities provided or contact
with loved ones.
Aged care homes such as those provided
by New Zealand charitable trust, The
Selwyn Foundation, has truly embraced
this and it has paid dividends when it
comes to the wellbeing of residents.
Selwyn has a unique and holistic
approach to providing care and promoting
the wellbeing of its residents.
For example, its ‘Baby Buddies’ visiting
programme sees residents hosting
weekly visits by local mothers and their
babies.
This brings fun, spontaneity, variety
and new friendships to care residents
which, in turn, significantly lifts their
spirits.
Selwyn also enables independent living
residents to bring their four-legged
furry friends with them, if they live in a
villa or ground-floor apartment. This promotes
the same level of comfort, company
and fun as they would have if they were
A
health and body check might be
just what you need this spring.
Have you ever thought you
should get your sore knee checked out
and put it off?
How about that colonoscopy your
doctor told you to have last year? Make
your health a priority this September
and have a general health check-up.
Sometimes it can be the little things
that stop you from reaching your goals
in the gym, on the track or even in improving
your general health. Sore lower
backs, shoulders or necks can be frustrating
at the best of times.
Deciding to get these things checked
out by a professional is a good idea and
important for your personal strength
and fitness success and to prevent any
ongoing musculoskeletal and medical
issues.
With the coming of longer and
warmer days this is the perfect time
to walk the dog after work, meet some
friends for a jog, or climb that mountain
peak where you’ve been wanting
to watch the sunrise.
Start this spring with a clean slate and
if something is up, that’s what the routine
check-up with your doctor is for.
Next, for any aches or pains you feel
warrant a trip to the physiotherapist,
book yourself in and get on top of it early.
The physiotherapist will provide
treatment, advice and exercises to pro-
BREEZE S WINS 2011
European Life Science and
Medicine product design
award!
RIDE A WINNER
Safe Mobile Lifestyle
Sportster
Sportster
Breeze C
Sportster Sportster
SPORTSTER
• Safe | Smooth | Functional Sportster ElitE BREEZE Breeze ScootErS
C C
Timeless style
3 or 4 wheel midsize scooter
• Comfortable Breeze Breeze C C& stylish features The national distributer of
• Safe, Lockable smooth, storage functional
• Comfortable Accessories available & stylish include features dual Breeze C
seat and wide wheels suitable for golf
• Lockable storage
ElitE ElitE ScootErS
Kibbutz Afikim-Israel
The The national • national Accessories distributer distributer of of
• Safe | Smooth | Functional
available include dual
BREEZE S seat and wide wheels suitable
ElitE
for
ScootErS
golf
• Comfortable & stylish features The national distributer of
• 0800 Lockable 354 storage
Kibbutz Kibbutz Afikim-Israel Afikim-Israel
837 www.elitescooters.co.nz
• Safe • | Smooth Accessories | Functional available include dual ElitE ScootErS
• Comfortable seat and & stylish wide wheels features suitable for golf The national distributer of
• Lockable storage
Kibbutz Afikim-Israel
• Accessories available include dual
• Safe • Safe | Smooth | Smooth | Functional | Functional
• Comfortable • & stylish & stylish features features
• Lockable • Lockable storage storage
• Accessories • available available include include dual dual
seat seat and and wide wide wheels wheels suitable suitable for golf for golf
living in their family home.
In addition to real pets, Selwyn has also
led a ground-breaking initiative to bring
therapeutic robotic pets into the lives of
residents of its care homes – in the form of
robotic baby Canadian Harp seals, which
residents can interact with and which help
to tackle social isolation, reduce depression
and improve wellbeing.
In early September I presented at the
Selwyn Institute’s Ageing and Spirituality
Conference, as I believe there is a need to
elevate the discussion around the importance
of spiritual wellbeing, in addition to
physical wellbeing.
As New Zealand’s ageing population
is forecast to double in the next 25 years,
it will only become more important for
aged carers to nurture spiritual wellbeing
as an essential part of their role, if we are
to have a happy, active and healthy older
population.
The Selwyn Institute’s Ageing and
Spirituality Conference took take place on
Friday, September 1, at the Selwyn Village
Theatre (Point Chevalier, Auckland) and
was open to anyone with an interest in the
topic.
Find your way to spring
vide relief and help resolve the issue,
all integral in helping you make a full
recovery.
Following this, if you are aware of
muscle imbalances or areas of weakness
that cause pain or problems when
you exercise, or you are limited in exercise
due to a chronic disease, then
schedule a musculoskeletal assessment
and receive appropriate exercise prescription
and an exercise rehabilitation
programme.
Feel free to drop into UniRec at the
University of Waikato Hamilton campus
to have a chat with friendly staff
there if you would like to find out how
they can help you get on track with
your goals.
With the right exercise plan in place
you will be able to progress your exercises
as necessary and hopefully you
will enjoy the summer of 2017/2018 to
its fullest and 2018 will turn into a productive
and active year.
Some chronic diseases that research
has proven to benefit from exercise: insulin
resistance, types 1 and 2 diabetes,
dyslipidemia, hypertension, obesity,
chronic obstructive pulmonary disease,
coronary heart disease, chronic
heart failure, intermittent claudication,
osteoarthritis, rheumatoid arthritis,
osteoporosis, fibromyalgia, chronic fatigue
syndrome, cancer, depression,
and asthma.

20
NZ GREYPOWER MAGAZINE » SEPTEMBER 2017
Are trusts still relevant today?
Trusts are sometimes
used where there is a
perception of need based
on ignorance, for no good
reason. New Zealanders
need to know when they
should and should not
have a trust.
BY LEICESTER GOUWLAND
Director of Australasian accountancy
firm William Buck Christmas
Gouwland – for specialist advice
in tax issues affecting trusts and
individuals, and their assets.
So what is a trust? A trust is a legal arrangement
between three main parties
which is documented in a trust
deed. The three main parties are:
• The settlor who creates the trust and
transfers the first assets to the trusts,
Why should someone have a trust? • Health and safety claims that the director
is personally liable for,
CUSTOMER TASMAN VILLAGE PUBLISHING 17/09/14
• The trustees who administer the trusts, The essential reason to use a trust is to
SALES REP KDEVENISH PUBLICATION CAMBRIDGE EDITION
ADVERTISING
and
protect assets from a potential claim from • If the business fails 10 years of lease
DESIGNER Unknown SECTION FEATURES
• The
PROOF
beneficiaries who have the potential a future creditor.
payments that the director has personally
to receive a benefit
PROOFED
from the
11/09/2014
trust, either
1:34:47 p.m.
Other reasons are: transfer
SIZE 12.9X18.5
of family guaranteed,
by way of income, capital, AD ID or 6290172AA the use or wealth through generations; FAX providing
enjoyment of an asset.
a fund for someone who cannot look after
assets
• The bank debt that the director has personally
guaranteed, and
PLEASE APPROVE THIS AD AS SOON AS POSSIBLE. NOTE
on their
THAT
own;
ANY
managing
ALTERATIONS
family
In a family MUST situation, BE FINALISED often the settlor BY OUR is MATERIAL wealth; for a DEADLINE.
charitable purpose or for tax • The debts of the business if it trades
mum and dad. The trustees are mum and reasons.
while insolvent.
dad and one other independent trustee, Most New Zealanders not in business
and the beneficiaries are mum and dad, may struggle to find a reason for a trust.
the children and grandchildren.
However, for someone in business or in a
Affordable
Retirement Living
in a quality home
offers you you a warm,comfortable a comfortable home
own home
in ahome beautiful in a rural beautiful Waikato setting rural CONSTRUCTION
• Own your own Waikato home (Freehold settingUnitTitle)
ON SPACIOUS FINAL SITE
• Monthly • Own charges your own are only home $170
(Freehold Unit Title)
BRAND NEW
• Contribution when exiting the village
$520,000 HOMES
capped • Monthly at 5% charges are only $180 also available for
Enquiries Welcomee
• The • The capital capital gain isgain yoursis yours
purchase
• Rural outlook, yet close to the
your own internal colours
For
town
more
centre
information call 07 889 1933
Tasman Village, 2 Seales Road, Morrinsville
Email: office@tasmanvillage.co.nz | Website: www.tasmanvillage.co.nz
For more information call 07 889 1933
TASMANTasman VILLAGE Village, is a non-profit 2 Seales making Road, Morrinsville organisation
6290172AA
Tasman Village
Morrinsville
owned by its residents
Assets in trust are not owned by the
person setting up the trust. They now
belong to the trust. If the trust assets are
treated as personal assets, then a trust
should not have been set up in the first
place.
The name “a family trust” is often misunderstood
as a family trust is just the
same as any other trust. A “trading trust”
is more likely to have a company as its
trustee to provide trustees with protection,
as a feature of a trust is that trustees
are personally liable for the trust’s liabilities.
A trust is taxed at 33 percent on its
income, unless the income is distributed
to beneficiaries where the income is then
taxed at each beneficiary’s marginal rate
of tax.
Currently there is no public register
for trusts like the register that exists for
companies.
What assets are usually in a trust?
Assets that should be in a trust are
passive assets such as residential property,
public and private company shares,
term deposits and other valuable lifestyle
assets. Depreciating assets such as cars,
businesses and commercial property
should not be held in trust.
Sections priced
from $80,000 to
build your
SPEC HOME
UNDER
It’s not too late to purchase and choose
Email: office@tasmanvillage.co.nz | Website: www.tasmanvillage.co.nz
TASMAN VILLAGE is a non-profit organisation owned
by its residents.
D4818J
senior role for a business, a trust is essential.
Take for example the director of a
company with 20 employees, $1m of bank
funding and a 10-year lease on premises.
Some potential claims on the director’s
personal assets include:
Often the potential claim could be
from a future spouse, and a trust may be
helpful in keeping pre-relationship property
separate.
Tax reasons on their own are often not
sufficient reasons for a trust. However,
it may depend on the level of assets and
passive income considered.
Why are trusts popular?
Just because someone else has one, is
not a good reason.
Estate duty was once a reason for families
to set up trusts, because of the penal
amount of estate duty charged (40 percent).
Using a trust separated ownership
for property investors and developers,
so capital gains on property investments
were not unfairly taxed.
Superannuants were targeted with a
surcharge on their income once certain
thresholds were reached and a trust was
used to house passive investment assets.
There was matrimonial reform where
assets of one spouse were at risk, and
trusts isolated separate property from
matrimonial property.
Joke: Blood is so special
An Arab Sheik was admitted
to Hospital for heart surgery,
but before the surgery, the
doctors needed to have some of his
blood type stored in case the need
arose.
As the gentleman had an extremely
rare type of blood that couldn’t be
found locally, the call went out around
the world.
Finally a Scotsman was located who
had the same rare blood type. After
some coaxing, the Scot donated his
blood for the Arab.
After the surgery the Arab sent the
Scotsman a new BMW, a diamond
necklace for his wife, and $100,000
US dollars in appreciation for the
blood donation.
A few months later, the Arab had to
Today there are relationship property
reasons, particularly where parents wish
to pass on assets, but don’t want a “shortterm”
spouse to obtain a windfall from
their hard work.
As we live longer, a trust can be effective
in managing wealth, allowing income
to be received by later generations while
the current generation is still alive.
Then there are asset protection reasons.
Are there threats to trusts?
The Law Commission has suggested
changes to the law surrounding trusts,
some welcome, some not. The privacy
around trusts could change with the proposed
requirement to inform someone
they are a beneficiary.
Complexity is another threat that
makes it harder for ordinary people to feel
comfortable being a trustee.
Along with the onerous responsibilities,
it will become harder to find people with
the relevant skills prepared to be trustees.
With increased complexity comes increased
costs and the need to prepare
financial statements, file income tax returns
and appropriately manage the trust.
An increasing issue for trusts are foreign-based
beneficiaries. Distributions to
beneficiaries in Australia could generate
significant tax consequences.
Are trusts still relevant today?
For the right purpose, trusts are even
more relevant today. Particularly the essential
asset protection, so necessary for
business owners.
It is always good to ask; does the original
reason my trust was set up still apply? If so,
then retain it. Otherwise perhaps wind it up
or reduce the number of trusts you have to
reduce both complexity and cost.
If time has elapsed since establishing
your trust, it’s worth revisiting with your
accountant to check the details.
undergo a corrective surgery procedure.
Once again, his doctor telephoned
the Scotsman who this time was more
than happy to donate his blood.
After the second surgery, the Arab
sent the Scotsman a thank-you card
and a box of Quality Street chocolates.
The Scotsman was shocked that
the Arab did not reciprocate his kind
gesture as he had anticipated.
He then phoned the Arab and
asked him: “I thought you would be
more generous than that - last time
you sent me a BMW, diamonds and
money, but this time you only sent me
a lousy thank-you card and a crappy
box of chocolates?”
To this the Arab replied: “Aye laddie,
but I now have Scottish blood in
me veins.”
x Media makes every effort to create advertisements to meet your specific needs. Please note in some instances we may be unable
to supply additional proofs due to complexity of the request or deadline constraints.
© This advertisement has been created as a service of Fairfax Media. It cannot be reproduced without permission.

NZ GREYPOWER MAGAZINE » SEPTEMBER 2017 21
PROSTATE CANCER FACTS
3-LAYER TECHNOLOGY - FAST DRYING WITH ON-GOING ABSORBENCY
LIGHT ABSORBENCY
5 ML PER EPISODE
UP TO 25 ML PER DAY
MODERATE ABSORBENCY
40 ML PER EPISODE
UP TO 200 ML PER DAY
HIGH ABSORBENCY
80ML PER EPISODE
UP TO 350ML PER DAY
OUR 3-LAYER
PATENTED
TEXTILE
TECHNOLOGY
KEEPS YOU DRY,
LEAK AND
ODOUR FREE.
ADVANCED FIBRE LAYER
Transfers moisture away
from your body
HIGH ABSORBENCY LAYER
Maximum moisture
retention inner layer
WATERPROOF OUTER LAYER
Provides protection
for your clothing
Confitex’s patented three-layer
technology integrates a central panel
that works to wick away moisture,
absorb liquid and provide waterproof
protection from awkward leaks.
This fabric is plastic free and the
underwear is washable and reusable
for as long as normal clothing,
making it the environmentally
friendly and cost effective option.
ABSORBENT, BREATHABLE
AND WATERPROOF
ODOR
PROTECTIVE
MACHINE WASHABLE
AND DRYER FRIENDLY
HYPO-ALLERGENIC AND
ENVIRONMENTALLY FRIENDLY

22 NZ GREYPOWER MAGAZINE » SEPTEMBER 2017
CROSSWORD
Grey Power CodeWord No. 9 (September 17)
Complete Grey the Power crossword. Then Crossword rearrange the letters in the shaded No. 9 (September coded message. 17)
1 2 3 4 5 6 7
16 10 9 10 17 11 10 39 2 12 11 67 10 17 81 11 11 6 12 10 8
1 2
1 2 3 4 4 5 6 7 8 5 9 2 LETTER VALUES
8 9
12 10 12 9 11 8 10 8 17 13 10 10 14 11 12 6 15 6 12 3 12 4 14 16
10 11 9 6 8 6 8 1 2 3 4 5 6 7 8 9 10
11 12
17 14 5 9 13 10 10 14 12 U 6 15 3 12 16 9 14 15 4 8 12 18 2
DR
N
10 12 11 8 13 10 14 12 6 3 12 14 Complete 11 12 the 13 crossword. 14 15 16 Then 17 18rearrange
19 20
10 11
16 10 9 17 11 6 4 16 3 12 18 11 6 10 10 17 9 11 1 16 6 12 13 10 311
5 10 6 6 15 2the letters D N in the shaded squares to spell
10 8out 12the 18 3Word 12 11 17 to the 9 Wise 18 10 10 indicated 11 8 14 12below
9 113
Grey Power
16 10 17CodeWord 3 12 11
No.
10 179 (September
11 6 12 10
the grid. 17)
by PMH
12 13 14
19 17 14 39 13 15 5 10 8 14 89 14 15 15 18 1 14 9 19 14 13 11 8 20 12 12
10 17 10 12
15 16
Each number in the grid represents a letter of the alphabet. Three 98 14letters 16 6 10 have12 5 18 17 6 14 10 3 12 11 9 7 83
14 9 13 10 14 15 1 9 14 8 12
17
already
18
been given. Start
19
by filling
20
in these ones, and build the
3
words
8 17
in the
6
grid
18 8 12 10 3 12 10 11 9 18 16 6 10 6 20 11 4 19 14 73 18 9 12 114
from there. When you 6 have completed 6 the grid, 10 you will be able 3 to solve the
coded message.
10 12 17 9 17 56 2 11 89 6 76 14 16 19 19 10 8 12 20
8 12 3 12 11 9 18 10 11 14 9 11
21 22
12 9 14 6 16 1 10 1 12 3 18 18 11 14 34 12 20 9 7 83
1 2 17 3 4 45 58 6 7 8 51 9 19 2 LETTER 20 VALUES
3 15 17 16 8
10 11 9 6 8 6 8
CODED 18
1 2
MESSAGE
10 10 6 20 7 12
9 14 16 10 12 18 14 3 12 9 7 8 3 4 5 6 7 8 9 10
23 24
11 20 10 39 17 U 7 10 16 2 11 17 6 16 47 9 18 14 3 19 11 68 3 12 8 16 20 10 9 2 13
10 12 11 18 8 13 10 10 14 10 12 6 6 20 3 12 14 7 12
11 12 13 14 15 16 17 18 19 20
5 10 9 17 6 2 11 6 67 15 14 19 28 12 20
Word to the to Wise: the Joyously Wise: exuberant (9)
16 10 17 3 12 11 10 17 11 6 12 10
Joyously exuberant (9)
Down
R C I B W G
1. Divide Solution into MEMORABILIA
two parts (6)
A S H E N T S U N A M I
2. Central or mean value (7)
3. Large B Lbundles U
T
F Fof Ehay Cor E
Owool M
O(5)
I C
G
A L
M N
4. Capacity E Dto E produce A
A
R L
Odesired D O
I
Mresult O(13)
S W
I
I N G
5. Heavy Sale iron of tool estate used collections for levering our (7) speciality.
E N D I V E S N O U N S
We buy and sell deceased estates on behalf.
6. Device
C
that
E
generates
O
intense
O
beam
P
of light
L
(5)
7. • Indian GUNS triangular filled savoury pastry (6)
H E• PISTOLS R U• RIFLES N D • ESWORDS R D • OKNIVES N E• BAYONETS •
13. Very small headphones for listening to music (7)
Confidential E sales Rare conducted E on your behalf N by professionals.
14. Ballroom dance with gliding movement (3-4)
S A V You E get S the Pbest prices B A available. S I N
15. Makes alterations (A to small improve commission applies) text (6)
16. Pointer
Oon dial (6)
O E U
Contact Barrie anytime on 07 856 4212 or 027 480 0675 • Licensed Arms Dealer
18. Inclined I N U to Nanswer D A back T E in Dbold cheeky S A Dway (5)
20. As R a joke C (2,3) I B W G
A S H E N T S U N A M I
© Pam Hutton 2017 | www.puzzlebeetle.co.nz
D N
20 9 7 10 6 4 18 19 6 16 9 2 13
ACROSS 10 17 10 DOWN
CODED MESSAGE
12
15 13 8 18 9 8 15 15 6 4 12 18 15
1. Prickly scrambling shrub of rose 1. Divide into two parts (6)
family Across 14 (7) 9 13 20 10 9 14 7 10 15 2. Central 6 or 14 mean 9 value 14 18(7)
19 8 12 6 B16 L 9 U 2F 13 F 10 C14O M I C A L
5.
1.
Young
Prickly
male
scrambling
horses (5)
6
shrub of
3.
6
rose
Large bundles
family
of
10
(7)
hay or wool (5) E D A O I OSolution I on page 49
8. Hard strong metal alloy (5)
4. Capacity to produce desired result 3 (13)
5. Young male horses (5)
9. Wreckage or cargo floating on sea (7) 5. Heavy iron tool used for levering (7)
Solution E N D I V E S N O U N S
1 2
8 12 3 12 11 9 18 10 11 14 9 11
10. 8. Hard Of enduring strong elegant metal style (7) alloy (5) 6. Device that generates intense beam SUDOKU
C E O 8 O 4 P 6 L 2 5 B L
11. 9. Grass Wreckage 17strips beside Solution 5or roads cargo (5) 8floating of on light sea (5) 1(7)
19 20 The H Brules E L of RU ISudoku SF UF Sare
NF DC
U OE 6L MR DM I OC I NA 2E
LI
5 8 11 12
12. Become progressively worse (11) 7. Indian triangular filled savoury that you should fill a
10. Of enduring elegant style (7)
A G L M B R N
LETTE D N
17. Grinding 9 14 tooth 16 (5) 10 12 18 pastry 14(6)
3 12 9 7 8 number E D
in to every cell RA O
in E I
2 3 NO I
11. Grass strips B Lbeside U Froads F (5) C O M I C A L
8 9
19. Perfect example or embodiment (7) 13. Very small headphones for listening the ST Egrid, AN using VD N the EG I numbers SO V E PS R BN U OA D SU I NI S NS
H
12. Become 18 10 progressively 10 worse 6 (11) 20 7 12
21. God of sea in Roman mythology (7) to music (7)
1 to 9. The restriction Tis
8 7 3 1
1 2
E D A O I O I
C OE LETTER
O
VALUES
OI OE T PS UL
E
CODED B
L
22. 17. Honoured Grinding and entertained
10 9 17 Etooth N2 D(5)
lavishly 14. Ballroom dance with gliding movement
(3-4)
number I NE once UR in
11I 6V E7 S 14N that you can only use each
19 O U8 N12 S 20
H A S H E R A
6
B
1
H O R
7 9
11 12
(5)
1N each DU 2
row, AN 3 DT 4 E 5D R D6 OS 7 AN 8 DE
9 10
20 11 12 9
19. Perfect example C E or embodiment O (7) O P L
GD
R NA
T
23. Inflamed swellings on eyelids (5) 15. Makes alterations to improve text (6) each RE B L
column CE and in R U
each I of EF C O BN WN
M5
I1
A E
GI
4
24.
21.
Junction
God of
between
sea H in
two E Roman
neurons R (7) Umythology N16. DPointer E on
(7) Rdial D(6)
O N E the 3x3 boxes. 11 12 13 14 15 16 17 18 19 20
AK S SA I HD V NE SA P TP SD UB E NA P AS O MR I 4N
IT
7 9 8 2
22. CODED Honoured MESSAGE and entertained 18. Inclined lavishly to answer (5) back in bold
D N V S P H R T W G
E R E N
CODED
18 19
N F C R
23. Inflamed
20 9 7swellings 10
on
6
eyelids cheeky
4
(5) way (5)
T OE E O
1 GE M 2 5N
U
7 T W
S A V E S P 18B 19 A S6 I N 16 9 2 13 10 14
20. As a joke (2,3)
24. Junction between two neurons (7)
C U R H U K E S
15 13
EI AN RU NL D OA MT E SD W S
29
I NA GD
20 9
8 5 4 GD
A
O O E U
CODED MESSAGE
O
RT CU AI U BU WG GW
I N U N D A T E D S A D
20 9 7 10 6 4
AT US HB GE B AN I EM TR E S US ON W A F M I
18
Regain the freedom 15 196
ET EI ED OC GH M N
TD
WU
of your home
RE AI RC 18H L 19 D OC 6 MH A 16S Simple, I W9 R I
safe 2 N
and 13G
stylish, 10 14
Acorn
T W O H A L V E S
Stairlifts give people the chance to
enjoy their own homes once again.
LETTER VALUES
• For straight or curved staircases
• Indoor and outdoor lifts
1 2 3 4 5 6 7• Free © 8home Pam 9assessment
Hutton 10 2017
© Pam Hutton 2017 | www.puzzlebeetle.co.nz
CODE CRACKER
Each number in the grid represents a letter of the alphabet. Three letters have
7 (March 17)
already Grey been Power given. Start by CodeWord filling in these ones, and No. build the 9 words (September
in the grid
Each number in the grid represents a letter letter of of the the alphabet. alphabet. Three Three l
1 2 3 4 4 by
5
6
in
7 8
ones,
5 9
and
2
already been given. Start by filling in these ones, and build build LETTER
the the word
Each number in the grid represents a letter of the alphabet. from 10 there. Three 11When letters you 9 have
have 6completed 8 the the grid, grid, 6 you you 8will be be able able 1 to to 2 s
by PMH
already been given. Start by filling in these ones, and coded build message. the words in the grid
10 12 11 8 13 10 14 12 6 3 12 14
from there. When you have completed the grid, you will be able to solve the
11 12
coded message.
5 1 2 10 3 4 64 5 56
62 67 87 15 53 98 23
D N
LETTER
squares to spell out the Word to the Wise indicated below the grid.
Grey Power CodeWord No. 9 (September
Each number in the grid represents a letter of the alphabet. Three l
already been given. Start by filling in these ones, and build the word
from there. When you have completed the grid, you will be able to s
coded message.
from there. When you have completed the grid, you will be able to solve the
coded message.
© Pam Hutton 2017 | www.puzzlebeetle.co.nz
CODED MESSAGE
Solution
B L U F C O M• Fast Iinstallation
A E
11 12 13 14 15 16 17 18 19 20
D N V S P H R T W G
by PMH
FOR FREE BROCHURE & QUOTATION
0800 688 863
CODED MESSAGE
20www.acornstairlifts.co.nz
9 7 10 6 4FREE DVD Guide to Stairlifts
G A M E O F
© Pam Hutton 2017
© Pam Hutton 2017 © Pam | www.puzzlebeetle.co.nz
Hutton 2017 | www.puzzlebeetle.co.nz
LETTER
LETTER
CODED

NZ GREYPOWER MAGAZINE » SEPTEMBER 2017 23
Try a volunteer holiday experience and
make a difference wherever you go
Most people love a good holiday, however holidays can
start to blur a little, another beach, another shopping
mall, another photo at a classic tourist spot, where you
struggle to escape from all the other tourists attempting
to get the perfect photo too.
If this sounds familiar, read on, because
there’s another way to take a
holiday, and it’s called Go Kiwi Go.
Go Kiwi Go provides volunteer holiday
experiences, allowing travelers to holiday,
while making a difference, and moving
beyond the tourist spots, volunteering on
projects, working with locals, and getting
immersed in the culture.
Increasingly people are wanting their
travel to be meaningful. There is a strong
desire to do more than just sit on beaches,
or see the sights from a bus.
People are wanting to get their hands
dirty, really experience cultures and be part
of positive change, in short, do something.
Projects include, helping children in
Asia, South America, the Pacific, and Africa.
Environmental projects are carried
out in the Pacific, Mexico, Costa Rica,
Greece, the Seychelles, and other locations.
Go Kiwi Go also offers a range of
Girls’ and Women’s empowerment projects
in India, including in New Delhi,
Dharamsala, Kerala and also in Tanzania,
near Kilimanjaro and many other
projects around the environment and
people.
“I’ve travelled a lot over
the years, with family and
by myself, but I wanted to
do more than be a tourist.
My volunteer experience
involved staying with
a local family. I had an
amazing experience, the
family were so welcoming,
I got to really feel like a
local, and they took me
to places, most tourists
would never see!”
Age is not a factor with Go Kiwi Go,
anyone over 18 is encouraged to think
about a volunteering holiday. The oldest
participant so far is 81. All that’s required
is a desire to see the world, do good, and a
sense of adventure.
Aucklander, Shirley Webb-Speight
has recently been in India volunteering.
Shirley’s children are grown up,
and Shirley was looking for something
different.
“I’ve travelled a lot over the years, with
family and by myself, but I wanted to do
more than be a tourist.
“My volunteer experience involved
staying with a local family. I had an amazing
experience, the family were so welcoming,
I got to really feel like a local,
and they took me to places, most tourists
would never see!”
Shirley said it was also fantastic to
meet up with the other volunteers.
“I met two volunteers, one from India,
incredibly useful for communication and
Uber organisation, and the other from Indonesia.
“I now have offers of a house in Jakarta
and another in Bali complete with car,
when I need them.”
Asked if her age made a difference,
Shirley said: “No, the great thing about
these volunteer experiences is that age
isn’t an issue, in fact I think my life experience
was a huge positive, I can see the
big picture and my work skills were invaluable.”
Working with trusted providers, Go
Kiwi Go offers tailored volunteer experiences
that enable participants to really
make a difference in local communities.
Part of every project is getting to experience
the local culture, with lessons,
cooking, visiting off the track sites and
spending time with locals.
With trips from two weeks to 24, and
options to extend, Go Kiwi Go has something
for everyone. People can make their
Go Kiwi Go volunteer experience the sole
purpose of the trip, or part of a wider
holiday.
“Life changing and humbling” is how
Shirley described her trip. “You’re never
too old to try new things, and I’ll certainly
be heading off again.”
Go Kiwi Go provides support and assistance
every step of the way, ensuring
all volunteer journeys are a success.
For more information about Go Kiwi
Go, visit the Go Kiwi Go website and also
Blogger at Large, to read about Megan
Singleton’s recent Go Kiwi Go experience
work with SASANE in Nepal.
It’s time to think about you!
You’ve raised
the family, and
worked hard
to get what you
have, so now
it’s time to
reward yourself.
And what better way
than an overseas trip
with Go Kiwi Go?
So much more than
shopping and beaches,
Go Kiwi Go provides
overseas volunteer
experiences, that allow
people to volunteer,
while being immersed
in the local culture.
Make your holiday
truely unique, by
volunteering, while you
see the world.
To find out more call...
0800 600 300
or visit...
www.gokiwigo.org
to find out more.
Shirley from Auckland, volunteering in India, June 2017
Grey Power magazine advert.indd 1
16/08/2017 3:31:09 PM

24
NZ GREYPOWER MAGAZINE » SEPTEMBER 2017
How to keep your lungs healthy this winter
The winter months in New Zealand can be a
miserable time for some people and we all know how
uncomfortable having the flu or a cold house can be.
With autumn turning into winter it is extremely important
to look after your respiratory health as best as possible.
For people with poor respiratory
health, particularly older people
or those with COPD, it is especially
important,” says Teresa Demetriou, GM –
education and research at the Asthma and
Respiratory Foundation NZ.
Teresa provides excellent advice for
better respiratory health this winter
which includes some points on avoiding
sickness, and keeping healthy in a warm
and dry home.
Viral and bacterial infections such as
the common cold, influenza and sinusitis
can have complications for people
with respiratory conditions. Avoid close
contact with people who have a cold or
the flu, wash your hands regularly with
soap and water and use an alcohol-based
sanitizer.
The free flu vaccine is available to
all people 65 years of age and over, and
people under 65 who have asthma and on
regular preventative therapy, or have a
chronic respiratory disease with impaired
lung function. Get the flu vaccine by visiting
your GP surgery or local participating
pharmacy.
“In New Zealand, many houses are
damp and cold, leading to more colds and
flu and increased hospitalisations,” says
Teresa. Room temperatures under 16 degrees
Celsius are considered harmful for
health. The World Health Organisation
recommends keeping the home to a mini-
mum of 18 degrees Celsius.
The Asthma and Respiratory Foundation
NZ recommends using an electric or
flued gas heater to keep your home warm
this winter. Flued means the heater has a
vent to safely carry away emissions. Wood
fires and unflued gas heaters should be
avoided.
Double-glazed windows can halve the
heat loss of single-glazed windows. Use
well-fitting curtains to reduce heat loss at
night and keep in the heat gained during
daylight. Insulate your ceiling and under
the floor — 40 percent of heat can be lost
through an uninsulated ceiling and 10 per
cent through the floor.
“Damp homes are likely to cause
health problems and are more difficult to
heat,” says Teresa.
Homes need to be insulated, ventilated
and adequately heated to prevent dampness
and mould growth.
The cheapest and most effective way to
ventilate your home is to have windows
open a small amount during the day. Ventilation
systems and dehumidifiers can
help achieve a better outcome.
Ensure that the air you’re breathing
inside your home is free of particles and
pollution. For air-conditioning systems,
central heat pumps and air purifiers
check the filters are clean and effective.
Maintain and service the filters in your
home, car and work environment on a
regular basis.
For vacuum cleaners, use a high-efficiency
particulate air (HEPA) filter to remove
harmful particles such as dust mites
and their faces, pollen and animal dander.
Cigarette smoke contains 4000 harmful
chemicals and is a trigger for people
with respiratory conditions.
Tobacco smoke damages your cilia,
the little hair-like structures that remove
dust, pollens and other irritants from
your lungs. This compromises the normal
cleaning action of lungs, making smokers
more prone to chest infections. Do your
best to avoid smoking or inhaling secondhand
smoke.
Last but not least, don’t forget to exercise.
Regular exercise is beneficial in so
many ways — it improves lung capacity,
increases the blood flow and helps prevent
excess weight gain.
The Ministry of Health recommends
at least 2.5 hours of moderate activity
or 1.25 hours of vigorous physical activity
throughout the week, and at least two
muscle strengthening activities per week.
Find an activity you enjoy, invite workout
buddies, create a weekly schedule and
stick to it. Exercise is very important in
improving overall health and keeping
those lungs healthy over winter.
Respiratory disease in New Zealand:
• Respiratory disease includes asthma,
lung cancer, chronic obstructive pulmonary
disease (COPD), obstructive sleep
apnoea, bronchiectasis, childhood bronchiolitis
and childhood pneumonia.
• Respiratory disease is New Zealand’s
third most common cause of death.
• Respiratory disease costs New Zealand
more than $6 billion every year.
• One in six (more than 700,000) New
Zealanders live with a respiratory condition,
and these rates are worsening.
• Respiratory disease accounts for one in
ten of all hospital stays.
• More than half of the people admitted
to hospital with a poverty-related condition
are there because of a respiratory
problem such as asthma, bronchiolitis,
acute infection or pneumonia.
Teresa Demetriou is responsible for the
Asthma and Respiratory Foundation
NZ’s education and research portfolio.
A registered nurse, her many years of
primary health experience and understanding
of respiratory nurse practice
inform her evidence-based approach to
disseminating information, resources,
knowledge and skills.
Don’t get caught being a victim in a lottery scam
In recent years, lottery scammers have targeted
New Zealanders. Don’t get caught by these scams!
These scammers are pretending to be legitimate
companies and taking victims’ hard-earned money.
Do NOT fall for their scams.
How these lottery scams typically
work. Previously, scammers
have impersonated Malaysian
travel companies, sending brochures and
scratch-and-win lottery tickets via mail to
victims. These tickets will claim that the
victim wins money.
Now scammers are making contact by
phone, email or mail, and impersonating
lottery companies with names like “The
Winner’s Circle” or “International Winners
Association (IWA)”. They will invite
victims to enter an international lottery
by asking for their credit card details so
that the victims can pay for their share in
a syndicate in the lottery
The scammers will then inform victims
that their syndicate has won, but first
they must send money (usually via money
transfer) to pay for “taxes” before the socalled
winnings can be released.
In some cases, after the victims send
money, scammers may contact them
again to inform them that something has
occurred, perhaps a member of the group
of winners has passed away, and, as a result,
the winnings were redistributed and
the shares the victims will receive has increased.
This results in the scammer asking for
more money to be sent via money transfer.
In some cases, the scammers may ask
the victim to complete a bank cheque
made payable to an individual and to mail
it to an address in New Zealand.
Of course, once the scammers think
they have gotten all the money that they
can possibly get from the victim, the
scammers are never heard from again.
Don’t fall victim to fraud.
You work hard for your money. Never
let a few minutes with a scammer take
from you what has taken years or a lifetime
to earn.
Detective Sergeant Bridgett Doell from
the Financial Crime Unit states: “if it is
too good to be true, it probably is — if in
doubt, seek professional advice.”
Tips to avoid falling victim to the lottery/
prize scam — help protect yourself
• Never send money to pay for taxes or
fees on lottery or prize winnings.
Legitimate sweepstakes or lotteries
never tell winners to send money to
pay for taxes or fees to receive the
prize.
• Never give your banking information
to unknown individuals or businesses.
• Do your research. Check with trusted
government sources to confirm
whether or not the company is
legitimate. Such sources may include,
law enforcement, consumer affairs or
scamwatch.govt.nz
• Never send a money transfer to some
one you have not met in person.
Wayne Howarth, Western Union Regional
Fraud Risk Manager for Asia Pacific
advises:
“Awareness is the best defense against
scams. Legitimate lotteries are governed
by local legislation that typically requires
any entrant to be a local resident to claim
any prize winnings. Never send money to
claim a lottery prize or winnings.”
To learn more about common scams
and how to help protect yourself from
fraud, visit our website at wu.com/fraudawareness
and the New Zealand Department
of Consumer Affairs at consumerprotection.govt.nz.
For more tips against scams, watch:
• Tempting you with big financial
prizes at www.youtube.com/
watch?v=LkYm2EWIPWg
• Useful scam prevention advice at www.
youtube.com/watch?v=kDt4SEvQZWk

NZ GREYPOWER MAGAZINE » SEPTEMBER 2017 25

26
NZ GREYPOWER MAGAZINE » SEPTEMBER 2017
CANSTAR awards five-star rating to NZCU
Baywide three years in a row
NZCU Baywide’s online saver account has been
recognised again as one of New Zealand’s best savings
accounts after being awarded a five-star rating by
CANSTAR, New Zealand’s only online research service in
retail and business finance.
For the third year in a row it has been
awarded the top rating for its online
saver account, having also received
the accolade in 2015 and 2016.
With interest of 3.15 percent p.a. for
investments over $20,000 it is comparable
even with many term deposits, and
the 2.50 percent p.a. for sums invested of
less than $20,000 is one of the highest for
any on-call savings account.
It provides everyday Kiwis of any age
with high interest returns to help them
achieve savings goals.
Andrew Quayle, GM Sales, Marketing
and Channels at NZCU Baywide, says a
good interest rate and flexibility encourages
people to save:
“We are delighted with the CANSTAR
rating for the third time as it shows you
don’t have to be a tier one bank to provide
consistent top class service and outstanding
value.
“Whether you are a new, or an experienced
saver, everyone needs a hand to
put money aside – it’s all about mind over
money.
“Our aim is to encourage and make
it as easy as possible to save by offering
the double benefit of high interest and
flexibility.”
NZCU Baywide’s on-call savings account
is one of the best options on the
market for people who are unsure about
tying up money for a certain period of
time but still want to reach a savings goal.
Other features include:
• No monthly account management or
transaction fees when using internet
banking
• Easy online access to your funds with
internet banking
• Money available whenever access is
needed and not locked in a fixed term
• Minimum balance of $1000 required
• Interest rate calculated daily and paid
monthly
NZCU Baywide has a portfolio of savings
products from on-call savings accounts
to longer term deposits with higher
interest rates.
“Longer term saving, such as a term
deposit, is always going to return more
but many people want flexibility and reassurance
of access to funds if needed,”
Andrew Quayle continues.
“This is where our online saver comes
in by giving people a great opportunity
to save regularly, even if it’s only a small
Andrew Quayle, NZCU Baywide GM Sales, Marketing and Channels
amount, and be rewarded for it,” he says.
New Zealand Credit Unions are customer
owned with all funds lent sourced
domestically and profits used to offer better
rates and service to customers.
“The outstanding value award acknowledges
this and we’re confident as
people look for better returns they will opt
for a credit union as opposed to a mainstream
bank,” he says.
NZCU Baywide is one of the largest
credit unions in the country and has
served Kiwis with financial services for
more than 45 years.
It has more than 27,000 customers
and $280 million in assets (31.12.16).
“I can hear
sounds I’ve
never heard
before.”
Eddie played a big part
in helping his mum enjoy
healthy hearing.
One person’s hearing
loss can affect everyone
in the family.
Call Bay Audiology and book your free hearing check.
Available to everyone aged 18 plus.
Book now on 0800 700 862 or at
bayaudiology.co.nz
HEAR. FEEL. LIVE.

NZ GREYPOWER MAGAZINE » SEPTEMBER 2017 27
Caution please
Sir,
It is a relief to know Grey Power doesn’t
accept any liability for advertisements in
their magazine.
In your June magazine, I noted 10 different
advertisements for products claiming
to improve muscle or joint discomfort.
Given none of these advertisements sited
any scientific, randomised controlled trials
to support their claims, I would encourage
readers to exhibit some caution
before purchasing any of these products.
Just because they are “natural”, does
not mean they are necessarily helpful,
safe or effective and they can certainly be
expensive.
Helen Crampton
3 Evesham Lane
Blenheim
AIL does the job
Dear sir,
As a one-time agent for AIL of NZ, I
would like to reassure my fellow Grey
Power members that membership of Grey
Power does indeed provide automatic
cover of $2000 in the event of accidental
death or dismemberment, whether or not
a certificate has been issued.
My understanding is that are around
70,000 members of Grey Power nationwide,
whereas AIL probably has no more
than 100 agents so, while regrettable, it is
perhaps understandable that certificates
are not always issued in a timely fashion.
John Heritage,
Registered Financial Adviser and
member of Grey Power, Hamilton
The other factors or situations that
he discusses in his letter have no relevance
or application to my situation,
and add nothing.
I want readers to know that his letter
had nothing to do with me at all, and I
would like others in my situation to contact
me – blomkvist@vodafone.co.nz.
Caryl Blomkvist
blomkvist@vodafone.co.nz
Don’t tell me how to vote
Editor,
As a member of Grey Power I write in
reply to Mr O’Connor’s report in the June
issue on the government announcement
to change the eligibility for superannuation
from 65 to 67 years in 20 years’ time.
I was astounded Mr O’Connor thought
he needed to be consulted by the Prime
Minister before making changes to this
much-discussed topic. The courtesy
phone was sufficient in my opinion.
I also considered Mr O’Connor’s remarks
demeaning to people in occupations
such as concrete workers, suggesting
they may be expected to train as
computer technicians. They may very well
have the ability to do a variety of jobs in
later life, we have a prime example in Mr
Shadbolt, Mayor of Invercargill.
The final statement that annoyed me
in the Grey Power president’s report was
his advice to Grey Power members not to
support the National Party in the coming
elections.
I will make my own mind up who I
vote for, it is not Mr O’Connor or anyone
else’s right to tell me how to vote.
S McConnell
Thames
up an email list of members. Members
are more likely to come to meetings if they
are welcomed with a friendly reminder.
2. The website needs to be more userfriendly
so that our cyber-reluctant demographic
feels comfortable using it. This
would encourage branches to share ideas
and initiatives and be more effective.
3. We need to use the technologies that
would allow us to have skype-type communications
nationwide. Our sector is not
as mobile as younger sectors, as many of
us face physical deteriorations common
to the aged that makes travel difficult and
expensive. We could have members who
would be prepared to stand on the Board
and attend zone meetings if they were not
restricted by travel constraints. Money
saved on travel could be better spent on
utilising current technologies, particularly
for smaller groups who do not have the
funds for travel.
Afters years of silence, I went to my
local GP branch meeting to see what was
happening. I was not welcomed, and was
curtly told “you can stay if you want to”
by a man who proceeded to dominate the
most boring meeting I have ever attended.
Despite the fact that there were only 7
people at the meeting, no welcome or introductions
took place.
We need some changes if we want GP
to be the powerful force it could be.
In the meantime, we older folks are
missing out on representation, and just
receiving from Government platitudes
where they have “ticked the boxes” without
giving us the help we need.
Victoria Davis
Golden Bay
Ideas for election candiates
For Grey Power’s contribution to the
coming election, wouldn’t it be a good
idea to introduce the idea to the various
candidates a change in the wider plan of
things, that would see Super Gold Card
Holders receiving exemptions from GST
by the simple expedient of producing
their Gold Cards to cashiers at the time
Continues page 28
Frozen Meals
Delivered to Your Door
Handmade by us
Nutrious and Tasty
Ask
for our
Menu!
Call us on
0800 335 662
or order online now!
www.farmhousefood.co.nz
Meals also available
Vegetarian • Gluten Free • Dairy Free
Double dipping concerns
Dear Mr Blake
I sent a letter to NZ Grey Power Magazine,
published page 29 in the March 2017
issue. It was captioned by the Magazine
“Shrinking pension’.
I raised the issue that MSD deducted
the amount of a foreign pension I receive
annually up to 12 months before its receipt,
so that fortnightly I get less NZ superannuation
than others.
That is, a sum is deducted from my NZ
Superannuation fortnightly from (this
year) January 2017, because I will receive
a small foreign pension around 18 December
2017.
I know of no other situation where
a person has a current entitlement deducted
some time before receipt of money
from another source. I was trying to contact
others in the same situation.
A letter “Double-Dipping concerns”,
by Noel Ellis, appeared just before my
letter in the Grey Power Magazine. I am
told that this letter was not in response to
mine, even though Mr Ellis seems almost
to be responding to my letter.
His letter starts:- “With regard to Section
70 deductions, I understand your
concerns about double-dipping and
claiming pensions from more than one
country”.
Mine is the only letter to mention section
70 deductions in the magazine.
This letter confused and puzzled me,
and other readers also. I remain unsure
who he is addressing. My letter had nothing
to do with double-dipping concerns.
I am concerned that ‘double-dipping’
could now be associated with me, suggesting
I have a less than desirable motive,
which is quite wrong.
Tom’s response: S McConnell should
read the report again. I was very careful
not to tell readers who to vote for. However,
given the lack of support for Grey
Power from the present Government, I
was not able to to recommend members
should re-elect them. The difference is
important.
More women needed in Grey
Power leadership
As the number of elderly grows in New
Zealand, we see a concerning drop in Grey
Power membership which needs to be
questioned. Grey Power provides an excellent
opportunity for our sector to have
a say on issues important to us.
However, these opportunities are not
taken. It appears that GP has been led
into being an ineffective group that pays
for our male- dominated leadership to fly
to Wellington and engage in token meetings
that do not even make the press.
If you have a look at the last GP magazine,
you will see several photos of present
and previous presidents, sitting at meetings.
I expect more from leadership.
I do not feel represented by these conservative
men. It could reasonably be expected
that the majority of those in GP are women,
and we should expect that to be reflected by
the number of women in leadership.
We urgently need to implement 3 new
initiatives in order to engage more of our
present members and encourage new
members.
We should be an effective voice for our
sector in local and national government
bodies.
1. We need to spend that annual subscribtion
fee to assist every branch to set
What can stop children
developing diabetes?
Which tea reduces breast
cancer risk by 12%?
What vitamin helps people
lose weight?
Can cranberries stop the bacteria
that causes tooth decay?
Which fruit helps lower blood
pressure and cholesterol?
What activity reduces
depression?
These and many more
questions answered.
$21ea 136 Pages
QUALITY, NATURAL HEALTH
PRODUCTS SINCE 1986
A simple guide to the best
natural therapies
for any health problems you may have.
60 DAY MONEY BACK GUARANTEE FREE DELIVERY
0800 140 141
www.healthhouse.co.nz
Professor Shaun Holt is a New
Zealand based doctor, researcher,
author, commentator, speaker
and advisor.
HEALTH HOUSE
1 Whakakake Street
Tauriko, Tauranga
TAPS PP1123

28
NZ GREYPOWER MAGAZINE » SEPTEMBER 2017
From page 27
they front up to pay for their purchases.
Every receipt issued shows a separate
amount for GST levied on purchases.
How easy would it be to institute a system
whereby this amount was shown as a
deduction rather than an addition on the
final account?
There has been universal disappointment
among our people to find GST is still
being levied on Rates payments, in spite
of the claim in the days of the introduction
of GST there was to be NO TAX ON
A TAX.
If this were to be the case and was observed
on a universal basis it would have
to be applied to the 63 percent tax levied
on all motor fuel purchases.
It just goes to show how much official
greed there is in the makeup of our successive
governments.
It is quite clear the present government
and preceding governments, begrudge
the miserable pittance they have the hide
to call NZ Superannuation. On top of that
they have all authorised the IRD to get its
fingers into the mix with the tax levied on
NZS at source.
Haven’t our elderly contributed more
than enough by way of tax during their
lifetimes?
We saw the sale of our electricity
generation plants bought, paid for and
owned, by earlier generations of taxpayers
sold off to ‘mum and dad investors’(?)
to offset the utter profligacy of successive
governments.
At the time GST was introduced Sir
Roger Douglas was famous for his claim
that a levy of 10 percent should be more
than enough to run the affairs of government.
If that was the case then, why isn’t it
the case still?
We all watched the scandalous introduction
of fresh water bottling plants
springing up in our country.
We heard the continuing cries that nobody
owns water. If that is the case why
is it our coal, and oil, are being exported
for profit? Those are completely natural
resources just as is water. Why isn’t the
same profit motive being applied to all of
them?
The parliamentarians have no qualms
about their excessive salaries. An ordinary
back bencher sits on a salary of around
$170,000, ten times the miserable pittance
they begrudge the superannuitants.
On top of that they have the tremendous
hide to canvass their supporters to
donate to their party expenses.
Don’t we already donate enough by
way of our taxes, to the parliamentary circus
as it is? Our taxes pay for the entire
parliamentary system, salaries, free travel
and other perks they enjoy.
I proposed to one of the parties back in
February. In response to a call to an electorate
committee to do its utmost with
fund raising to assist that party’s election
expenses.
I wrote to the instigator of the request,
suggesting it would be a better idea to
institute a system of tithing for all parliamentary
personnel, on a varying scale
according to salaries received. Lead Balloons
had nothing on that
suggestion!
Churches have tithing as
a time honoured principle
not withstanding they pay
no taxes. What’s so different
with a parliament?
Peter Grove
Quite right on super
Our
Home is
Your Home
Rest Home, Private Hospital
& Dementia Care
When support is required to continue living life to the full,
Radius Care aims to make the transition into aged care as smooth
as possible.
New Zealand owned and operated, our Kiwi values ensure residents are
important beyond their medical needs. We constantly strive to provide the best lifestyle
possible, support their hobbies and interests, and make our home their home.
Bowling championships, baking, woodwork and outings illustrate the variety of activities
on offer. The seven-day activity rosters mean our residents continue to enjoy their passions
every day, all the while surrounded by family and friends who can spend time with loved
ones and remain an integral part of their lives with 24-hour visiting.
If you have any questions or would like to know more, please feel free to visit any of our 22
facilities nationwide. You’re always welcome.
Call 0800 737 2273
or visit www.radiuscare.co.nz
for more information.
Leaders in Care
The First Page article
on the Jan 17 Magazine
was well written and very
brave bearing in mind that
a majority of members
probably vote National. By
my calculations the next
magazine is due a few days
before the next election.
That should be interesting!
The article is right in
saying that NZ can afford
to pay a just superannuation
to retirees. Those who
say otherwise simply don’t
understand economics.
Even though it is accepted
that robotics and
automation will make full
employment, as we understand
it, unattainable in
the near future, the Government
seems to be ignorant
of the implications
and, if they raise the issue
at all, present it as being a
problem.
If automation replaces
soul-destroying human labour
on an assembly line,
we should be pleased. The
‘problem’ that bothers the
Government is that the retrenched
worker becomes
dependent on the State,
which has two consequences;
1) the State must
find the means to support
the worker and 2) that
benefit will not be enough
to consume all that the robot
can produce.
The robots are cheaper
that human labour because
they can work a
virtual 24 hr day, dont
take ‘sickies’ or holidays
and dont need superannuation.
More importantly
they dont consume their
products or get paid.
The worker, at the end
of the working week is given
an agreed amount of
money. Money is just a token
(the Bank of England
says it is), which allows the
worker to take the share
he has earned out of the
total wealth created by NZ
Continues page 29

Enjoy Every
Moment
Radius Shop products
can help you keep doing
the things you love.
DELUXE Folding
Walking Frame
4 Stops - $164.00
2 Wheels, 2 Stops - $199.00
4 Wheels - $229.00
VIKING Shower Stool
Stability while showering.
Standard - $120.00
Padded Seat - $138.00
DERBY Elephant
Feet (Set of 4)
Raises chairs and beds safely.
90mm - $90.00
140mm - $90.00
Call 0800 213 313 or visit
www.radiusshop.co.nz
Prices accurate at time of printing . All prices include GST . Shipping costs apply
NZ GREYPOWER MAGAZINE » SEPTEMBER 2017 29
Online shopping fraud and identity theft are on the rise
Online shopping fraud and identity theft are on the rise.
While hackers and fraudsters are developing new hacking
methods, many online shoppers are still unaware of basic
online privacy rules.
NordVPN (Virtual Private Network)
has recently conducted a
survey, where it was found that as
many as one third of respondents believe
that various activities – such as checking
email, logging into a social media
account, shopping online or checking a
bank account – are safe on public WiFi.
While checking a
bank account on a public
hotspot is assumed to be
very risky (less than 2 percent
agree that is safe), entering
banking credentials
to make a purchase online
is seen as a lesser risk (23
percent think it is safe).
“This points to a lack of
understanding of just how
vulnerable users can be on
public networks, where
the level of security is unknown
and anyone with
basic hacking skills can
access sensitive data of
everyone connected,” said
Marty P. Kamden, CMO of
NordVPN.
E-commerce merchants
will be spending
$9.2 billion annually in
fraud-detection by 2020,
up 30 percent from current
spending, according
to Juniper Research.
Javelin said the number
of U.S. identity-theft
victims rose to a record
15.4 million last year from
13.1 million in 2015.
“Online fraud usually
happens when people are
not careful with their online
activities - not using
strong passwords, entering
credit card information
without making
From page 28
in that week. It simply redistributes
New Zealand’s
produce among those who
have made a contribution.
This is why it is nonsense
to say that Superannuation
payments cannot
be afforded. NZ is said to
be a wealthy country. The
only question is this: Is the
superannuant’s income a
fair share or not? If not, a
better way of sharing our
wealth needs to be found.
Which brings us back
to robots, which can produce
unheard of wealth
but requires none of it.
This is also a distribution
problem. If the entrepreneur
gets all the profits
and the retrenched worker
gets only dole, most people
will not be able to buy
most products, which is
unworkable. The solution
can only be that the production
of robots is taxed
at a rate that allow beneficiaries
to have a Universal
Basis Income set at a living
wage.
Dennis Dorney
Dunedin 9012
sure the website is not a fake, and doing
any online transaction on unsecured
hotspots,” said Marty P. Kamden.
Here are the main rules to avoid online
fraud:
1. https
The first thing you should always see while
HULL Soxezy
Put on socks with ease.
$22.00
making an online payment is whether the
payment gateway has an https URL.
The ‘s’ in the URL means that it is a secure
protocol and your data is encrypted
properly.
2. Be wary
Being vigilant can help you a lot with the
task of shopping online securely.
Whenever a website requests for more
information than is usually required, like
your Social Service number or any other
kind of personal information, it usually
spells fraud.
You should always be cautious before
giving your personal or financial details
anywhere on the internet.
3. Stay away from public terminals
It cannot be stressed enough how dangerous
it is to share your personal or financial
information with any website or
any person over the internet while using a
public internet connection.
Public Wi-Fi networks are common
hunting grounds for attackers and data
snoopers who try to access your personal
information and use it for their benefit at
your expense.
Since public networks have negligible
ABENA Abri-San
Premium
Pads for light bladder leakage.
1A - $12.00
2 - $14.00
ABENA Abri-Form
Premium
All-in-one with high absorbency.
M - $25.00 XL - $31.00
L - $28.00
ABENA Abri-Soft
Classic Underlay
Protection for beds and chairs.
$46.00
3 - $16.00
4 - $19.00
ABENA Skincare
Range
Lotion 500mls - $21.00
Ointment 150mls - $19.00
Continues page 31

30
NZ GREYPOWER MAGAZINE » SEPTEMBER 2017
Taranaki Fringe Garden Festival
People
When gardeners are not working in
their own garden they love to look at
other people’s.
Real Gardens for real people
There are many annual
festivals in
New Zealand to
feed this interest among
them the Taranaki Fringe
Garden Festival, now in its
13th year.
Cottage gardens, native
gardens, highly structured
or rambling and informal,
whatever your taste in gardens
there is something
for everyone.
Promoted as “Real
Gardens for Real People”
visitors can get ideas for
their own gardens, ask
questions and get advice
from the garden owners.
Among the 64 gardens
and places of interest for
visitors to see there are 13
new private gardens, two
returning after a break and
five public gardens entered.
The new entries are
spread around the region
in Stratford, Inglewood,
New Plymouth, Waitara
and Okato.
It is good to have fresh
gardens and ideas for the
regular festival visitors but
they also like to revisit gardens
they have seen in past
years to see what changes
have been made and how
the plants have grown.
The festival runs from
Friday, October 27 to Sunday,
November 5. There is
no need to buy tickets or
book, just turn up at the
gate with $2 per person.
Copies of the comprehensive
brochure will be
distributed extensively
around the Taranaki province
and to iSite centres
throughout New Zealand
and many garden centres,
alternatively you
can download your copy
from our website on www.
taranakigardens.co.nz
which has full listings of
all our Taranaki Fringe
Garden Festival gardens.
Full details of each garden
or place of interest,
time of opening, contact
details and detailed maps
are in the brochure so visitors
can plan their route to
take in several gardens in
each area.
27 th October to
5 th November 2017
Taranaki
except Auckland) or
eGardenFestival
Festival programme available at most Garden
Centres (NZ wide) and most i-SITEs (except
Auckland) or download a copy from our website.
TaranakiFringeGardenFestival
www.taranakigardens.co.nz

Take the time to talk, plan and
pre-pay your funeral
New Zealanders generally take a ‘she’ll be right’ attitude
and put things off when it comes to talking about death
and planning for funerals.
That was one of the reasons the Funeral
Directors Association of New
Zealand earlier this year conducted
its ‘Take the Time to Talk’ campaign.
The idea was to encourage people of
all ages to share with loved ones their life
story and wishes about what they want for
their funerals.
Many people think it’s odd to be thinking
about their own funeral plans, but such
discussions can help families decide how
they wish to remember and honour their
loved ones, so when the time comes there’s
a plan for a meaningful gathering to celebrate
a person’s life and allow families to
focus on grieving and saying goodbye.
It’s estimated that ‘Take the Time to
Talk’ reached more than one million people.
That’s around a quarter of the population
that could be at least thinking about
planning their funerals.
Just as pre-planning is becoming an increasingly
popular topic, so is pre-paying
for funerals, and for the same reason – to
help your family when the time comes.
Throughout our lives we plan for almost
every financial eventuality, and funerals
should be no different.
Pre-paying towards your funeral expenses
also helps to relieve your family of
the financial burden at a time when they
can be spending valuable time together
sharing stories.
The choices available to you are a
pre-paid funeral trust or a funeral insurance
plan. To be honest, with insurance
plans there’s always a risk that if you live
too long, you will end up paying more in
premiums than the amount your family
receives when you die.
A pre-paid funeral plan, like those offered
by the Funeral Directors Association’s
FDANZ Funeral Trust – the only
NZ GREYPOWER MAGAZINE » SEPTEMBER 2017 31
plan endorsed by funeral directors who
arrange around 80 percent of the funerals
in New Zealand – allows you to have
money available to contribute towards
the cost of your funeral.
FDANZ Funeral Trust is governed by a
trust deed. The funds are invested by the
trust, so whatever happens to the funeral
director, you have peace of mind knowing
you can still access your money.
Any money remaining after the cost of
the funeral has been met will be returned
to your estate. Funds can be paid in by
anyone in any amount, be it a lump sum
or regular payments.
One big advantage of pre-paying funerals
that is not commonly known is
that the first $10,000 of a pre-pay plan is
exempt from asset testing when assessing
eligibility for a subsidy for governmentsubsidised
long-term residential care.
If you have been assessed as needing such
care, you can apply for the government’s
Residential Care Subsidy. But it’s means
tested, and how much you get depends on
the level of your assets and income.
If your assets are equal to or below the
threshold set by the government, you will
qualify for the subsidy to pay for most of
the cost of your care. (An income test then
determines what you will have to contribute
to the cost of your care).
If you have a pre-paid funeral plan,
the first $10,000 of it is exempt from that
asset test, meaning rather than having an
increased amount to pay for rest-home
care, you will have it sitting in your funeral
fund to help your family when your
time comes.
Just another good reason to consider
prepaying towards your funeral.
Online shopping fraud and identity theft are on the rise
From page 29
security, you should try and avoid using
them while making online payments. If
you must do online transactions while
using a public network, then you have
to use a VPN to stay safe.
4. Use a VPN
VPNs (Virtual Private Networks) encrypt
Internet traffic on any website.
They are the best security mechanism
you can employ to make sure your Internet
traffic is safe from prying eyes
and remains confidential.
NordVPN is one of the most advanced
VPNs on the market that uses
the latest encryption protocols. From
the moment a user turns on NordVPN,
their Internet data becomes encrypted.
It becomes invisible to third party
snoopers or hackers and even Nord-
VPN. Being based in Panama, which
is Internet-friendly country and does
not require data storage or reporting,
NordVPN keeps no user logs.
5. Stronger Passwords
Perhaps the most basic requirement
for any online account setup is using
strong passwords.
Weak passwords make it simple for
hackers to break into your account and
cause severe damage.
It’s always advised to change passwords
in order to stay safe online, and
that means having to use a unique
password for each site or account. Apps
such as 1Password for Families allow a
family to share passwords, credit cards,
and other sensitive information.
ABOUT NORDVPN
NordVPN is one of the most advanced
VPN service providers that
is more security-oriented than most
VPN services. It offers double VPN encryption,
kill switch and IKEv2/IPsec
protocol. It launched Android, Mac,
iOS and Windows Apps that provide
a unique algorithm, allowing to automatically
connect to the fastest server.
The product is very user friendly, offers
one of the best prices on the market.
Prearranging your
Funeral is a Responsible
Decision
The FDANZ Funeral Trust is a
prepaid funeral plan that allows
people to both preplan and make
prepayments towards the cost of
their funeral. Funds are held and
invested by a Trust and paid out after
the funeral service has been delivered.
Did you know?
Pre-paid funerals up to $10,000 are currently
excluded from asset testing when assessing
eligibility for a subsidy, if they’re held in a
recognised funeral plan.
If you want more information on how to preplan
and prepay your funeral, visit your local FDANZ
Funeral Director, phone us for further information
on 04 473 7475 or visit www.fdanzfuneraltrust.co.nz
FDANZ

32
NZ GREYPOWER MAGAZINE » SEPTEMBER 2017
STAYING SAFE
A refresher workshop for senior road users
Have fun and brush up on ways
to maintain your mobility
and independence
Staying Safe is a classroom-based
refresher workshop designed for all
senior road users aged 70 and over.
The aim of this workshop is to:
• help you to maintain and improve
your safe driving practices
• give you information about other
transport options available when
driving is no longer possible.
For more information about courses,
please contact the NZ Transport Agency
on 0800 822 422.
You can take a self-assessment quiz,
watch safety videos and read about how
to improve your safety on the road
at www.nzta.govt.nz/traffic/seniorroad-users.
Why not visit today?

MONEY CHATTER
Free yourself from guilt
Have you ever felt guilty
about spending money?
Now, be honest. Who
really could answer “no” to
this question?
BY TONY WALKER
We have all at some point in our
lives had that ‘frisson’ of emotion
when we have made the
decision to buy something. Sometimes
the ‘frisson’ is one of pleasure – and
sometimes it is tinged with guilt.
Guilt is a well-recognised emotion.
Psychologists have studied guilt for many
years and a great deal of their work involves
clients who are seeking to deal with
the consequences of behaviour and experiences
which have left a guilty residue.
What is “guilt”?
“Guilt is an emotional warning sign
that most people learn through their normal
social development. Its purpose is to
let us know when we’ve done something
wrong, to help us develop a better sense
of our behaviour and how it affects ourselves
and others. It prompts us to reexamine
our behaviour so that we don’t
end up making the same mistake twice.”
(John M. Grohol)
This definition, from a respected
American psychologist, implies that guilt
is the consequence of doing something
“wrong”. So, if we experience guilt as a result
of spending money, have we actually
done something wrong? And, if we have,
what will the consequences be?
But this is not a treatise on guilt. We
are focusing on guilt in relation to spending
money. So, let’s zoom in on that topic
in a bit more detail.
Let’s consider three possible situations
where guilt creeps into people’s financial
management.
Susan has two children at school, and
her husband has a full time job. He is the
main breadwinner, but Susan has a part
time job which she fits in around the children.
One day, her friend, Sally, suggests
that they go to a book launch where one
of Susan’s favourite authors is signing
copies of a new book. The launch includes
a slap up lunch at a top city hotel, after
which the author will talk to the audience
and answer questions. The cost of the
event is $170 per ticket.
Sally is very persuasive and eventually
Susan agrees to go. Susan now experiences
a sense of guilt – this money could
have gone towards something nice for the
Win, win, win…
a copy of It’s Never Too Late
Author Chris Robb has come up
with a touching tale on New
Zealand which will touch the
hearts of many.
His exploration of all things Kiwi
will have you remembering many
of those little things we have experienced
in the past which have become
folk lore.
He takes the reader for a trip
through the country and for Grey
Power members especially, reminds
us of many important moments that
have occurred through our lifetimes.
While Chris intends to sell his book
through you texting or phoning (see
advert) we would like to give you the
chance to win a copy.
We have three books for you to be
in to win.
Just email: mike@nmmedia.co.nz
with Never Too Late in the subject line.
Or send an entry to:
Never Too Late,
Grey Power Magazine
PO Box 1425
Waikato Mail Centre
Hamilton 3240
Don’t forget to put your name,
address and phone number on the back
of the envelope.
NZ GREYPOWER MAGAZINE » SEPTEMBER 2017 33
children – or for the home. She and her
husband had not planned this – and what
will he think when she tells him?
Mary and Robert have been married
for more than 40 years. They have recently
retired, and are getting used to living
on a reduced income. Although Mary has
New Zealand Superannuation, she and
Robert have been used to pooling their income
– but Robert has been the financial
manager of the family.
Mary wants to buy some new clothes
so that she can attend a friend’s golden
wedding party. She knows that Robert
will suggest that she has enough clothes
– and doesn’t need anything new – and
besides, things are a bit tight now. Mary
experiences a feeling of guilt about this
situation – how can she balance what
she wants – with what her husband will
“approve of”?
Being able to cope with
the unexpected is one of
the true signs of ‘financial
resilience’. Don’t overlook
the value of a good
budget.
Steven and Jean are retired – and have
been trying to figure out how their investments
will be able to support the things
they want to do. They have a modest private
income on top of their New Zealand
Superannuation which allows them to live
comfortably, although they do have to be
careful with their money.
Steven has an old school friend who,
for many years, has lived in England. This
friend has recently invited them to visit
and help him celebrate a milestone birthday.
Steven is torn – he would love to go
and meet his old mate.
Jean, however, is less keen. While she
would enjoy the travel, she starts to think
of all the things that they would have to
forgo if they commit money to the trip.
Both Steven and Jean now experience
guilt.
Steven is guilty because he knows that
Jean does not really approve of the expenditure.
But Jean is guilty because she is
aware that her preferred course of action
would prevent Steven from seeing his old
school mate. What can be done?
You might be thinking at this stage of
some of the causes of the guilt which the
people in the above stories are experiencing
– and you might be thinking of ways
in which they could deal with that.
We deal with similar situations with
clients and so we have developed some
strategies to address such challenges.
First, it is vital that both partners are
“on the same page” when it comes to
money. And it is surprising how often this
is not the case. But it goes further. They
each need to understand their priorities
and their goals. And, of course, as the
above examples show clearly, these are
not always aligned.
Secondly, a clear financial plan is helpful.
But this is not just about the numbers.
It is about making sure that funds are
clearly labelled – for necessities, for “nice
to haves”, and for the unexpected. Being
able to cope with the unexpected is one
of the true signs of ‘financial resilience’.
Don’t overlook the value of a good budget.
Thirdly, recognise that no one is perfect.
Parties often experience guilt because
they are worried about how the
other partner may view their decision.
Is it selfish? Is it a waste? Is it going
to compromise other plans? Strong relationships
are built on trust – and if both
partners have a high level of trust in each
other, then they will be more likely to accommodate
‘imperfections’. So, figure out
how you can improve the level of trust in
your relationship.
Sometimes, an outsider can help. We
recently worked with some clients who really
appreciated the following piece of advice.
By giving the wife a regular monthly
allowance, it meant she did not have to go
‘cap in hand’ to her husband every time
she wanted to spend money on herself. It
removed guilt on both sides and helped to
build trust.
So, if you think an outsider can help
you, take action. At ImPower, we are ideally
placed to provide such help. We are
not in the business of selling financial
products. Rather, we work to provide independent,
impartial advice in the best
interests of our clients.
Please take up ImPower’s monthly
Quiz challenge found at www.impower.
nz/gpquiz. All correct entries go into the
draw to win a fantastic gift basket valued
at over $100.
This article is of a general nature and is
not personalised financial advice
Tony Walker is the co-owner of ImPower
Limited, a truly independent fee based
financial advisory practice. Tony is an
Authorised Financial Adviser and Certified
Financial Planner (CFPCM) and his
disclosure statement is available free of
charge on request by emailing Tony at
tony.walker@impower.nz or by calling
him on 021 656 223.
MOBILITY SCOOTERS MANUKAU
We service Auckland, Papakura, Pukekohe, Waiuku.
It’s Never too Late
By Chris Robb
What does one say about a book like this?
Unreal dreams or the dinky di real thing?
Whatever, it’s a rather interesting spin
through little old New Zealand and a tale
to touch the odd heart, in a down to earth,
hands on, exploration of LIFE AND LOVE.
$20.00 inclusive of postage within NZ
To order your copy:
Text or phone +64 223 715 686
or send your order to:
Chris Robb, C/- Cherry wood Post Office,
Otumoetai, Tauranga 3110
13976
SCOOTERS POWER CHAIRS WHEELCHAIRS WALKERS
We sell new and used machines.
We can provide finance to approved buyers.
Repairs and service to most makes and models.
Hire scooters available also.
www.mobilityscootersmanukau.co.nz
or phone Graeme on
0800 433 133
IT’S OUR BUSINESS TO KEEP YOU MOBILE

34
NZ GREYPOWER MAGAZINE » SEPTEMBER 2017
Funeral Cover – How
does it work and how to
reduce the cost
If there’s one thing that can be guaranteed
– it’s that there’ll be a funeral cover advert
running throughout the day on most
national television channels.
It’s a popular and profitable
market for most insurers because
they know that older
clients are keen to ensure there
is enough cash available at short
notice to cover their final expenses.
Many people are put off by
funeral cover policies because
the premiums appear to be too
high for such a small amount of
cover. A 65-year-old could pay
anywhere from $60 to $150 per
month for just $10,000 of cover.
Why is it that premiums are
so high, and are there better,
lower cost, ways to achieve the
same objective?
The advantages and disadvantages
of traditional funeral
cover?
Most traditional funeral cover
policies accept an applicant
without any need to provide
health information. To reduce
the risk this creates for the insurer
they limit cover to accidental
death for the first two years.
While this reduces the risk of a
terminally ill person applying
for cover it still leaves the offer
open to clients in relatively poor
health who probably couldn’t
get cover elsewhere. The result
is that the ‘claims experience’ of
a group of funeral cover policies
is going to be much higher than
for other groups of policies. The
insurer therefore has no choice
but to charge everyone more for
their cover so that they can afford
to pay the increased number
of claims.
Funeral cover also offers a
couple of other key benefits that
aren’t commonly seen with other
types of insurance.
Level premiums
Premiums usually start high
but never change throughout
the life of the policy. This gives
the policy owner some certainty
that they won’t be ‘priced out’ of
the policy in future years. It also
gives the insurer the advantage
of front loading most of the premiums
so that their risk is minimised.
Premiums ceasing while
cover remains
Some funeral cover policies stop
charging a premium from age 85
but keep the cover in place until a
claim is received.
But for funeral cover to work
for the insurer they still need a
large proportion of fairly healthy
individuals to apply for cover. It’s
these healthy people that make
the whole proposition work for
the insurance company.
How to reduce the cost
For many people, the option of
taking standard life insurance
will bring a much better outcome.
Surprisingly, small amounts
of standard life cover can be quite
easy to get - even for people with
a less than perfect health history.
What many don’t realise is
that having high blood pressure
or cholesterol, asthma,
type II diabetes or many
other common health conditions
actually make little
difference to a life insurance
application. It’s this misunderstanding
that has sent many
older New Zealander’s to funeral
cover as their solution.
If a person is eligible for
standard life cover they can
reduce the cost of their cover
without losing the benefits. In
fact, standard life cover has
multiple benefits that can’t all be
found in funeral cover policies.
For example:
1. Much lower premium
2. Cover for death from all causes
from day one - even suicide
after 13 months
3. Level premiums throughout
life
4. The ability to add in inflation
adjustments so that cover is
more likely to be enough to
pay for the funeral when it’s
needed – even though premiums
don’t increase
5. The ability to more easily
modify cover as needs change
All of this adds up to a much
better proposition for those eligible
for cover.
We recommend you contact
Vesta if you have existing funeral
cover or are intending to buy
some soon. They’ll review your
situation and give you some suggestions
for lowering the cost of
your cover.
Call them on 0800 283
782 or visit their website
www.vestacover.co.nz.
Have a look at the table below
to see how standard funeral cover
from major providers compares
with a discounted life insurance
offer from Vesta. This example is
for a male non-smoker aged 65.

NZ GREYPOWER MAGAZINE » SEPTEMBER 2017 35
Win, win, win…
Book review
Go in the draw to win one of two copies
Keeping Your Children Safe Online:
A Guide for New Zealand Parents
By John Parsons, New Zealand’s
leading authority on cyber safety
for children
• A hugely significant and ultimately
empowering book
• Essential reading for parents,
grandparents, child carers.
Our children are being raised in a
society that is radically different
from that of just 20 years ago, as
the internet has taken a central place in
our lives and with the virtually universal
adoption of smart phones and computers
by young people.
This revolutionary and enormously
disruptive technology has created a completely
new set of challenges for parents,
ones that are entirely different to those of
a generation ago.
Keeping Your Children Safe Online addresses
these challenges head-on.
The author, John Parsons, works all
over New Zealand with kids and their
parents, and works as a consultant
with the police, teachers and the health
sector.
He has developed a toolbox of practical,
realistic and effective strategies that
enable children and their parents to deal
with the challenges of digital technology,
such as establishing boundaries for
acceptable use, preventing online sexual
predation, cyber bullying and cyber
crime.
These strategies do not depend on
technological know-how rather, they
simply require you to have a clear set of
family values, and then to enable your
child to broadcast these into the online
world.
Just email: mike@nmmedia.co.nz
with Never Too Late in the subject line.
SPECIAL OFFER
10% discount and free
delivery in New Zealand
Recommended Retail Price
$34.99 - Members’ Special
Price $31.49
To obtain this discount order
online at pottonandburton.co.nz
and use the discount code GREY17
at the shopping cart.
Offer expires October 31, 2017.
Or send an entry to:
Keeping Your Children Safe Online,
Grey Power Magazine
PO Box 1425
Waikato Mail Centre
Hamilton 3240
Don’t forget to put your name, address
and phone number on the back of the
envelope.
Win a copy of the New Zealand
Home Diary 2018
This popular diary has a double page
per week that includes a new recipe
with a photo.
It also contains useful NZ information
for the home.
Every year the diary features three articles:
one food related, one garden related
and one special interest story.
For 2018 we have articles on avoiding
food waste, growing hanging baskets and
where common sayings such as ‘eat humble
pie’ come from.
We have six diaries to give away to
whoever suggests the best ideas for future
features articles. We must receive your
ideas by September 30, 2017.
Email your suggestions to
info@newzealandhomediary.co.nz with
‘NZ Home Diary competition’ in
the subject line or post an entry to:
New Zealand Home Diary,
PO Box 403,
Whangaparaoa 0943
Don’t forget to put your name, address
and phone number on the back of the
envelope. If you don’t win a copy, the
New Zealand Home Diary is available
in book shops or by mail order ($18.50
including P&P).
See the website:
www.newzealandhomediary.co.nz
or phone 09 424-2500.
The Ventricle of Memory
– A memoir
By Shelagh Duckham Cox
RRP $34.99
Published by Mary Egan Publishing
Memoir by co-founder of New
Zealand Books shows the skill of
a writer and sociologist.
In 1940 at the age of five, Shelagh
Duckham was evacuated with her family
to North Wales where she spent the war
years.
They moved to Washington DC in 1945
when her father was offered the post of
British Agricultural Attache to the USA.
The family was repatriated to England
in 1950 and Shelagh’s teenage and university
years were lived in a land of postwar
austerity.
In 1955, as ‘ten-pound’ Poms’ she emigrated
with her husband and three small
children from the city of Oxford to the
small town of Levin, New Zealand.
Her first thirty years were lived against
a background of remarkable events. Describing
the idiosyncratic characters of
her parents and the many other interesting
people in her life, Shelagh writes
beautifully and insightfully about her
childhood and early adulthood.
She weaves historical events into
the personal narrative and remembers
the frequent loneliness and struggle in
her own life, while observing he world
around her with the eye of both a writer
and a sociologist.
Shelagh’s professional life was cut
Why you
need NZ’s
top selling
health book
Real food can heal almost
any health issue, this book
will show you how.
This is an invaluable health reference book for your home. It
shows how to prevent or heal just about any diet related health
problem by making small but critical changes to your diet.
You’ll find that when you supply your body with the right
amount of minerals that are lacking in our New Zealand soil
and food, you begin to enjoy a clearer mind,
sharper memory, a sound heart, an efficient
immune system, clear arteries, healthy
bones, loads of energy and a worry
free outlook.
$25ea 288 Pages
$20ea MULTI BUY
Buy two books and save $10
60 DAY MONEY BACK GUARANTEE FREE DELIVERY
0800 140 141
www.healthhouse.co.nz
short by the onset of chronic illness (ME)
in her early fifties, since which time her
writing has become her focus. Now in her
eighties, Shelagh is experiencing increasing
memory loss which further emphasises
the importance of sharing her unique
and compelling story.
Author bio:
Shelagh Duckham Cox was, in later life,
a sociology lecturer at Massey University
in Palmerston North and publishes
a wide range of short stories and magazine
articles. She was contributing editor
to Public and Private Worlds: Women
in Contemporary New Zealand and a
co-founder of the literary journal
New Zealand Books.
OVER
88,000
COPIES
SOLD
HEALTH HOUSE
1 Whakakake Street
Tauriko, Tauranga
TAPS PP1123

36
NZ GREYPOWER MAGAZINE » SEPTEMBER 2017
RemoveUgly
SkinTags
ONLY
$49 .95
SIMPLY AND QUICKLY!
Skin tags are unsightly and embarrassing particularly if
they show on visible parts of the body such as the face,
neck or arms. They can make you very self-conscious
and many people cover them with clothing that they
wouldn’t normally wear. They are surprisingly common
and generally harmless, although they can be painful if
you catch them on clothes or jewellery.
The usual treatment is surgery,
chemicals or freezing which can all
be painful and expensive.…but not
any longer! Now you can remove
skin tags yourself, simply and
quickly, in the comfort of your own
home with a new formula that is not
only painless, but also
GUARANTEES results. Natural
Clear is a new, completely natural
treatment that
removes skin
tags quickly
and painlessly.
The secret
is...
100% Natural
Natural Clear
is an all natural
treatment. It
contains an
essential oil that
is extracted from
the evergreen
conifer Thuja
Occidentalis, which is
native to North America. The native
indians call it ‘The Tree of Life’ and
they have used its bark, resin and
oils for centuries to treat and heal
many ailments and skin conditions.
BEFORE
...a natural plant extract Thuja
Occidentalis – The Tree of Life
used for generations in the
treatment of skin
blemishes
Very Simple to Use
You simply apply Natural Clear to
the skin tag. It’s completely clear
so invisible to anyone else.
Natural Clear then gets to
work by drying the skin tag
out and in a few days, it
simply drops off – it really is
as simple as that!
At just $49.95 and with a
90 Day Money Back
Guarantee there really is
nothing to lose in giving it a
go. Try it out now, in the
comfort of your own home
and if it doesn’t remove
your skin tags painlessly
and quickly, just send
back the used bottle for
a full, no quibble,
GUARANTEED refund.
We have thousands of
satisfied customers from all
over the world, and it’s not
surprising! Being able to treat
skin tags yourself, in your own
home, in just a few days for only
$49.95 beats painful surgery,
appointments, freezing and
chemicals all day long.
AFTER USING
NATURAL CLEAR
Hurry, order now and all your unsightly skin
tags could be gone in just a few days!
SIMPLY
DRIES OUT THE SKIN
TAG UNTIL IT FALLS AWAY
“
Amazing results.
Can’t believe I left
them untreated for so long.
Melissa Staves… West Hampstead
”
“
WNO Pain
WNO Scars
WNO Surgery
WNO Chemicals
WNO Freezing
WHATOUR CUSTOMERSSAY...
“
I put off dealing with these
for years, I found them
so embarrassing but in less
than a week they were gone.
Amazing, thank you.
Andrew Baines… Chester”
ONLY
$49·95
ORDER
YOUR
PLEASE SEND ME: Qty
1x 15ml Bottle of
Natural Clear $ 49.95
SAVE $20.00
2x 15ml Bottles
of Natural
Clear
$
99.90
$
79.90
Post and packing $
9.95
TOTAL
W
SAVE
$20
IF YOU BUY 2
I had two tags on my neck,
you couldn’t miss them and I was
very conscious of them. Now that
I’m rid of them my confidence has
soared and I’ll happily wear
an open neck blouse or dress.
Sue Jones… Rainhill
”
%
100 Natural Clear NOW!
FREEPHONE 0800 55 77 99
Occasionally we may make your data available to carefully selected companies. If you do not wish to receive interesting offers
from these companies, please tick this box q If you do not wish to receive further communications from the Century Mail
Group, please tick this box q Delivery normally within two weeks but please allow 28 days.
Dept
code:
KNC19
Lines Open 7 Days:
12.00pm - 9.00pm
Post To: Century Mail, Dept. KNC19, PO Box 912021,
Victoria Street West, Auckland 1142.
I enclose a cheque/Money Order payable to Century Mail for $…………
Please charge my VISA/MASTERCARD:
CVV
The last 3 numbers on
the back of the card.
Expiry____/____Signature___________________________________________
Mr/Mrs/Ms______________________________________________________________
PLEASE PRINT
Address________________________________________________________________
Suburb__________________________________________Postcode_______________
Phone_____________________________________DOB_______/________/__________
Email______________________________________________________________________
q Tick this box to sign up for exclusive email offers from Century Mail.
Buy online at: www.cmshop.today/KNC19
E2301

NZ GREYPOWER MAGAZINE » SEPTEMBER 2017 37
ADVOCACY REPORT
The Grey Power New Zealand
Federation Inc. 2017 General
Election Report
What Grey Power wants – What the four main political
parties are promising: This report covers Grey Power’s
three key election issues; these are superannuation i.e.
raising the age of entitlement to superannuation from 65
years of age to 67 years, affordable housing for current
superannuitants, baby boomers and younger generations
and difficulties accessing elective surgery procedures.
Of note these subjects have already
been discussed on lobby visits to
decision-makers in Wellington
and we now provide up-dated policies
from the four main political parties, along
with Grey Power recommendations and
comments.
These are supplied for your information
in the run-up to New Zealand’s general
election next month.
1) New Zealand Superannuation (NZS)
Grey Power recommends retention of
state-funded, universal, non-means tested
New Zealand Superannuation payable
at 65 years of age.
Grey Power has asked the Labour,
Greens, New Zealand First and National
political parties, “Would you party maintain
national superannuation as a fully
universal, non-means tested pension
available to all New Zealanders at age 65?”
Labour said: “Yes. National’s increase
in the superannuation age will hit a generation
of younger workers and unfairly
penalise those who already struggle to
work to 65. Labour will retain universal
superannuation at age 65 without means
testing. We will immediately re-start
contributions to the New Zealand Superannuation
Fund which National has
not contributed to at all since 2009, as
part of ensuring that our superannuation
scheme continues to be sustainable.”
The Green’s response was: “Yes. Universal
national superannuation has
helped Aotearoa New Zealand have one
of the lowest rates of elderly poverty in
the developed world and we want to see
that continue.”
And NZ First stated: “Only New Zealand
First has been consistent while the
two major parties flip-flop on New Zealand
Superannuation.
New Zealand Super should remain a
universal, non-means tested pension to all
qualified New Zealand residents at age 65.
New Zealand First strongly objects to
the 10 years minimum residency for full
NZ Super.
Over average life expectancy, New
Zealand Super is worth about $468,000
which is unusually generous for migrants
of 10 years residency.Those who enter under
parent reunion have no requirement
to contribute to our economy.
New Zealand First proposes to raise the
minimum residency for full New Zealand
Super and concurrently abolish Section 70.”
National responded - By international
standards, New Zealand super remains
relatively affordable. Funding superannuation
presently costs about 5 per cent
of GDP. This compares with an average of
9 per cent across OECD countries.
However, the cost in New Zealand is
expected to rise to 8.4 per cent of GDP
by 2060, a significant increase on today’s
cost. That level of spending on superannuation
is affordable if we constrain
spending on other areas.
But we don’t want to have to cut spending
on healthcare and education, or to put
up taxes. That’s why the Government intends
to progressively increase the age of
eligibility for New Zealand super to 67,
starting in 20 years’ time.
It remains committed to the universal
nature of NZ Super with no means or asset
testing and to NZ Super being indexed at 66
per cent of the average weekly wage with annual
adjustments on April 1 to reflect this.
We have increased the rate of superannuation
36% or $160 a week since 2008
for a married couple and the single rate
has increased by $104 to $390 or $370 a
week after tax – depending on what tax
band you pay.
KiwiSaver will continue to be available
to savers once they turn 65.
The good news about having an ageing
population is that because of improvements
in healthcare and lifestyle we are
living longer today than we ever have.
New Zealanders’ life expectancy has increased
by 12 years in the last 60 years.
This means that someone qualifying for
New Zealand Super today is expected to
live another 21 years.
Older New Zealanders are also working
more. Good health is good news. It
means we can enjoy life more and remain
active in the workforce and the community
for longer.
However, living longer does drive up
the cost of New Zealand Super. Gradually
increasing the retirement age from 2037
will more fairly spread the costs and benefits
of NZ Super between generations, ensure
the scheme remains affordable into
the future and give people time to adjust.
The other changes to Super we’ve signalled
include a change to the residency
requirement for eligibility for New Zealand
Super from 10 years (with 5 years
after age 50) to 20 years (retaining the 5
years after 50 provision). The change will
apply to people arriving in New Zealand
after the legislation is passed. Those who
have residency or citizenship before the
legislation comes into effect will not be
affected.
The Retirement Commissioner had
recommended increasing this residency
requirement to 25 years. The Government
settled on 20 years as a fair and appropriate
requirement.
It’s an issue of fairness – with those
who have not made as long a contribution
to New Zealand during their working lives
are, after living here for only 10 years, receiving
the same support as people who
have paid taxes here for their working life.
Legislation to make changes to Super will
be introduced next year (2018).
The NZ Super changes are about striking
the right balance and making it fair to
both present and future generations at a
time when there is increasing pressure on
government finances.
This Government has a strong track
record of supporting our older citizens.
The Family Incomes Package announced
in Budget 2017 will have a flow
on benefit for superannuitants:
Married couple - On 1 April next year
NZ Super is expected to be $622.42 a
week for a married couple. That’s up
around $22 a week from current payments
($600.30), with around $13 a week
driven by the tax threshold changes in the
Budget 2017 Family Incomes Package.
For a married couple, NZ Super will
have increased by 35 per cent since we
came into office (on 1 October 2008 the NZ
Super rate was $462.74 a week). That’s almost
three times the rate of inflation (15.7
per cent between Q3 2008 and Q2 2018).
Single person living alone - On 1 April
next year NZ Super is expected to be
$404.57 a week for a single person living
alone. That’s up around $14 a week
from current payments ($390.20), with
around $8 per week driven by the tax
threshold changes in the Budget 2017
Family Incomes Package.
For a single person living alone, NZ
Super will have increased by 36 per cent
since we came into office (on 1 October
2008 the NZ Super rate was $297.79 a
week). That’s more than twice the rate of
inflation (15.7 per cent between Q3 2008
and Q2 2018)
We are also committed to continuing
to support and invest in the SuperGold
IDENTIFICATION CARD
Grey Power members who have
encountered problems with primary
identification or are supportive
of a New Zealand Citizen Primary
Identification Card contact:
Card. From humble beginnings in 2008
with only a few hundred businesses National
has continued to grow the number
of SGC discounts - with 13,300 business
outlets at the end of April - and that
number will continue to increase. The
MP who helped usher in the card in its
original form was himself ushered out of
parliament at the 2008 election and disappeared
for three years. We expanded
the scheme and backed it. Last year the
Government allocated nearly $41 million
in extra funding over four years for
the SuperGold card transport concession
giving cardholders some certainty in the
future of this popular concession.”
Grey Power’s Comments:
Grey Power believes there is a concerted
campaign from some financial sector
interests to convince us that the current
‘pay as you go’ scheme with its age eligibility
of 65 years is not sustainable and although
Treasury and others tout the view
of unsustainablity, this is contested.
For example, The Allianz International
Pension Paper, 1/2014 = ‘2014 Pension
Sustainability Index’ discloses that NZ
ranks as the third most sustainable country
on a list of fifty other countries including
the UK, US and Australia.
Also, Peter Harris, a former CTU economist
and economic advisor to Michael Cullen
has written at least three articles stating
that the present system is sustainable.
And in March, this year, Michael Littlewood
said that:
“there was/is no fiscal imperative
to change NZS. I think the changes announced
yesterday are mainly politically
motivated …” (http://www.radionz.
co.nz/news/political/326054/superannuation-your-questions-answered)
Interestingly, initially the national
government also agreed with Grey Power’s
stance because in 2013 the then Associate
Finance Minister Stephen Joyce
said: “fiscally responsible governments
could afford to keep the eligibility age for
NZ Super where it is, and to do so without
changing the way annual rises are calculated.
When challenged that Treasury’s longterm
projections showed the cost of NZ
Super combined with the cost of healthcare
ballooning, Joyce said: “Our view is
retirement at 65 is affordable in the New
Zealand context.”
The Government was committed to
sticking to the current 65 years …
“It is important to stick to that commitment
because we are talking about
people’s lives here, and the way they plan
for their retirement, how long they get to
pay off their house, and all those sorts of
Continues page 39
Frank Moloney
Email: fmoloney@xtra.co.nz
Address: 70 A Highbury Drive, Levin, 5510
The proposed card similar to that introduced in Australia
and Canada is intended for those disabled, ill health and
elderly denied a driver licence or their passport expired
hence assisting in negotiating a range of transactions within
their community.
D8609J

38
NZ GREYPOWER MAGAZINE » SEPTEMBER 2017
An open letter to Minister Maggie Barry
Ms Barry, often in your role
as Minister for the Elderly,
and thus for the Pensioner,
you speak of the increasing
age of our population.
The importance of keeping a heathy
and capable population who will
stay in their homes, remain happy
and independent, require less heath care,
and as a consequence become less of a
burden on society.
It has been shown in many studies that
retirees, who are also pet owners, show a
number of positive outcomes.
In May this year the Dunedin City
Council registered 1760 dog owners are
over 65 years of age. Cat owners numbers
are obviously not recorded but it is assumed
that they would be higher.
Katie Ball, Vetlife veterinarian, is not
surprised at these statistics.
“At any stage of life pets offer a special
bond with their owners, but for older
people living alone it becomes more important.
“They often really badly need ongoing
companionship because it can, and does
make them feel needed, they have a purpose.
And they get out more because they
feel that it is the dog that needs the walk.
Probably they wouldn’t be out there doing
the exercise without their pet.
“They have the opportunity to think of
‘someone’ else.”
Katie says that cats may not need to be
exercised but they still need the retiree,
they need to be fed, they need to be looked
after. The owners feel needed and cats live
a lot longer than dogs.”
Searching the Internet one finds a
large number of studies carried out with
many resulting figures available regarding
older people, especially those living
alone, illustrate that pets can and do:
– Reduce stress
– Help people through grief and loss
– Help keep them more active
– Made depression less likely
– Sometimes helped them live longer
– Made them less vulnerable to suicide
– Increased their feelings of personal
safety
Do you need caring & friendly transport?
If you are looking for reliable, friendly transport with extra
help if you need it - give Freedom Drivers a call
• Kind friendly approach
• One off trips or regular
• Adults and children
• Appointments of all kinds
• Social engagements
• Shopping
• Airport transfers
• Competitive rates
• Extra help - nothing is too much trouble
• Personal driving for tourists and holidaymakers
0800 956 956 (free from landlines)
www.freedomdrivers.co.nz for local driver contact details
FRANCHISE ENQUIRIES - franchises@freedomdrivers.co.nz
Another study shows us that pets lower
the blood pressure and pulse rate, owners
have 21 percent less visits to the doctor.
No matter how much money is directed
to Pharmac I doubt there is a drug
any where which could produce such well
being.
It was found of the community-based
elderly people who are pet owners questioned:
– 95 percent talk to their pets
– 82 percent say pets help when the
owner is feeling sad
– 71 percent receive help when they
physically feel bad
– Touching pets make 65 percent feel
better
– And 57 percent confide in their pets.
One could concur from these statistics
that pets are an integral component of the
social support network for many older individuals
and probably further contribute
to public health and well-being.
79 percent of pet owners find it comforting
to be with pets when things go
wrong. 91 percent feel very close to their
pet. 58 percent of pet owners said they got
to know people and made friends through
having pets.
So many of us, the older population,
may feel isolated, lonely. Our “millennium”
children do not love their parents
less, but the stress of life keeps them
busier and as their responsibilities grow,
their spare time diminishes and along
with that perhaps the visits drop off.
We hear daily as our population ages
that increases in the cost of medication,
extra tax monies have to be paid to
Pharmac, the shortage of GP’s in New
Zealand met.
One very interesting and well publicised
study found that tge presence of
pets in most Australian households leads
to an annual health savings between
$790 million and $1.2 billion based on
the fact that pet owners visit their GP’s
less often and have better health than
non pet owners.
There is of course a downside, pets
are expensive, while many veterinarians
kindly offer reduced charges for visits, unfortunately
they cannot offer this for the
medication they supply.
It is so hard knowing your companion,
your best friend, is in pain, and that you
cannot afford the medication to stop it.
It is awful knowing that although
there is a cure, you are going to have to
end his life because you can’t afford to
help him.
This is what happened to me. I have
never felt such helplessness, so much
anguish.
But what I have found over the last few
weeks that there are wonderfully kind,
caring people in our community, people
rallied around Golly and I.
We had struck a chord, so many had
been where we were.
I found that we were not alone being
faced with the loss of a pet, often an unnecessary
loss, and I am certainly not alone
with my feeling of helplessness. There are
a lot of Cate and Golly’s out there.
“At any stage of life
pets offer a special
bond with their owners,
but for older people
living alone it becomes
more important.”
Many managed to track me down,
they just wanted to talk, to show me
photographs, and often to cry because
they thought I would understand.
When I first approached the Senior
Citizens branch of WINZ I was told uncategorically
that no money was available
for pet owners, in fact the person I
spoke with appeared amused that I was
even asking. I left in tears. I wasn’t looking
for a handout I wanted a loan I could
manage.
There are loans available for retirees
for glasses, dental work. All of course are
income tested. Why then no emergency,
life saving pet care.
That I have that now I am very grateful.
But please don’t stop there because
I spoke out, please let the staff at WINZ
know that they can help, let other pensioners
be told that help is available, at the
desecration of WINZ staff of course.
Some will say Golly is “...only a dog”.
True but he is my dog, he is my friend,
my companion. My life would be so much
poorer without him.
– Cate Morrison, and of course her
friend Golly.
PS Golly is so much better, the medication
has stopped his pain and he is happy,
loving his morning walks, we both are. He
smiles.
May I acknowledge the site Pets for
the Elderly Foundation from which I
‘borrowed’ a number of their statistics.

ADVOCACY REPORT
NZ GREYPOWER MAGAZINE » SEPTEMBER 2017 39
From page 37
things,” Joyce said.
“It is important to have that as permanent
as possible.” (http://www.stuff.
co.nz/business/money/9257716/Pension-age-call-won-t-budge-Government)
Grey Power’s concern is also about
people’s lives, particularly the inability
of those in physically demanding occupations
to continue working beyond the age
of 65 when many already struggle at that
age. We hold the view that working beyond
65, for many people, would result in
greater demands, and significant
additional costs to
our publicly funded health
system which is already seriously
under-funded.
In summary our research
discloses that NZS
in its present form is sustainable;
therefore, we support
the status quo for NZS
and note that Labour, the
Greens and New Zealand
First policies, in general
coincide with Grey Power’s
beliefs.
Additionally, we recommend
that there be an
all-party accord on superannuation
because people
require certainty that the
universal pension will be
there when they reach
the state pension age; an
all-party accord would be
instrumental in building
public confidence.
Auckland replaced with 34,000 brand
new purpose-built houses over 10 years,
and more than 12,000 in the first three
years. This project will build 13,500 new
social houses and 20,600 new affordable
and market homes and will help Auckland’s
most vulnerable families, along with
first home buyers and the wider market.
Through changes to the Accommodation
Supplement made as part of Budget 2017’s
Family Incomes Package, 15,000 superannuitants
will receive an extra $29 a week
towards housing costs. Our ongoing programme
of reforms to the Unit Titles Act,
Urban Development Authorities, Resource
Management Act and the Building Act, as
well as our own ambitious building programme,
will ensure this strong momentum
is maintained.
The Greens stated - Everyone should
have affordable, secure, warm, and dry
housing. Our Home for Life plan will help
New Zealanders get into their own homes
by establishing a rent-to-buy programme
and by creating new opportunities for
community housing providers to play a
bigger part in solving the housing crisis.
Our progressive home ownership scheme
will save people more than $100 a week
compared to a commercial mortgage. The
programme will work alongside any government
plan to build affordable homes
such as Labour’s Kiwibuild.
Housing is the largest cost for most
people. As part of our ‘Mending the Safety
Net’ plan to lift families out of poverty, we
would also reduce the bottom tax rate from
10.5 percent to 9 percent on income under
$14,000. We would repair the social safety
net to stop families falling into poverty and
guarantee a basic, liveable income.
We would also make life more secure
for renters by introducing legislation that
Continues page 41
2) Affordable Housing
Grey Power recommends
that a range of quality, affordable
homes and housing
units that are suitable
for older people and others
to rent or purchase be
available.
Grey Power asked National,
Greens, New Zealand
First and Labour:
“How would your party address
the major issue of affordable
housing shortage
for older people and low
income New Zealanders?”
National’s response -
The key to improving affordability
is increasing
supply by freeing up land
for development. We are
currently in the middle of a
building and construction
boom. Last month, this
Government announced
the successful applicants
for the $1 billion Housing
Infrastructure Fund. This
fund is another milestone
in the Government’s plan
to increase housing supply
for a growing New Zealand.
It will provide for an
additional 60,000 houses
across our fastest growing
population centres over the
next ten years. The funding
will be used to provide
roading and water infrastructure
for 60,000 houses
across nine projects. The
Crown Building Project
announced in May will be
the real game changer for
our largest city, Auckland.
On average, the equivalent
of three and a half new
houses across every street
in Auckland will be built.
It’s a big commitment, but
one which will see 8300
old rundown houses in
USL DERMAL WDAY.indd 1
12/07/17 9:57 AM

40
NZ GREYPOWER MAGAZINE » SEPTEMBER 2017
UNTIL 12 years ago Paul
Mears was an active serving
fire officer who loved
nothing more than playing
with his kids at the
weekends and play ing rugby for his
local club.
But a game of rugby was the
beginning of his problems. Two
accidents in as many years left him
a completely changed man. First,
he broke his left ankle during a
game and then 17 months later he
suffered a fall at work that left him
with seriously damaged ligaments
and tendons in his right knee and
ankle.
His prognosis was not good. After
two operations and end less hours
of physio he was still unable to walk
without the aid of a walking stick.
He was forced to retire from the fire
service and the pain and discomfort
steadily got worse.
“I tried all kinds of pills, creams,
gels and therapies but none of them
took away the incredible pain I was
in. The soles of my feet, ankles, legs
and knees would swell up within
minutes of standing up in the
morning. To add to that, arthritis
started to set in and it left me almost
crippled at times.”
I asked Paul how he dealt with it
mentally? “Not good… not very good
at all! I couldn't move around so all
I did was sit and eat. Then I got
really depressed and ate even more. I
ended up putting on nearly three
stone and obviously that put even
more weight, pressure and agony
through my bones and joints. It was
such a vicious circle… I even had to
get antidepressants from the doctor.”
But on the day I met with Paul he
was walking fine. He didn’t appear
to be in any pain, no walking stick
and no sign of depression. He even
insisted we do the interview in the
park as it was such a nice day. So I
asked him what had made such a
dramatic difference?
A delighted look came over his
face as he explained “My nephew
$39
ONLY
. 97
EACH
GET RELIEF FROM
TIRED,
ACHING
reflexology
point corresponds
with a different part
FEETEach
of the body…
• Swollen Feet & Legs
• Sexual Performance
• Nervous System
• Cardiovascular
• Circulation
• Breathing
• Digestion
• Recovery
• Spine
• Skin
Simon is a physio in the Army
Medical Corps and he came across
these Bio Reflex insoles that many
of the infantry lads were wearing,
especially when they were doing
long marches with the full pack
and kit. They all swore by them
and so I ordered a pair… there
was a 90 day trial period, so no
risk on the money side.
They are German engineered
combined with Japanese reflex -
ology to gently massage acu -
pressure points on the soles of
your feet… so I gave them a try.”
“Thank God I gave
them a try!”
“I was gobsmacked! Within
about an hour of wearing them I
had a walk in the garden and
could immediately feel the
difference. I felt lighter on my feet,
ADVERTISEMENT
“
The pain in my
feet and legs has
completely gone
…thanks to Bio
Reflex Insoles! ”
Ex-fireman could hardly walk –
until he discovered Bio Reflex Insoles
that changed his life completely!
By DAVID TANNER
BUY 1 PAIR – GET 1 PAIR FREE!
10 strategically placed
acupressure spots
there was much less pressure
through my ankle and knee
joints. Within a couple of days the
swelling had gone down.”
That was over two months ago
and Paul was more than happy to
show me that he no longer has
any swelling and that he’s
completely pain free, apart from
the odd twinge when the weather
is cold. On top of that, he has
also lost over a stone and is well
on the way to being his old self
again – he’s even off the
antidepressants after consulting
with his doctor.
“I’m feeling like a
young bloke again”
In just two short months, Paul’s
life has completely changed. He
told me “I’m feeling like a young
bloke again, I’ve got my zest for
90-Day
RISK
FREE
Trial
Triple layer
design
ORDER YOUR
life back and I’ve got a smile on
my face again.”
Bio Reflex Insoles have been
life changing for Paul Mears and
many other customer
testimonials are evidence that
this mix of German technology
and Japanese reflex ology is
changing the lives of people who
thought they would never walk
again without pain and agony!
Bio Reflex Insoles are avail able
exclusively from Century Mail for
$79.95. However, as part of their
National Press publicity campaign,
customers will receive a second
pair com pletely free of charge – so
you could get a pair of his and hers
for the price of one! This offer is
only available during the press
campaign so order today to take
advantage. Customers can order
through the freephone number
0800 55 77 99.
Paul Mears says
his joint swelling
had gone down
after a couple of
days of wearing
Bio Reflex
Insoles
Why order the Bio Reflex Insoles?
• Significant reduction in
swelling
• No more aching feet
• German contoured
engineering
• Boosts blood circulation
• Japanese acupressure
massage points
• Healing energy through Qi
and nerve channels
• Perfect for all shoe types
and sizes
Bio Reflex Insoles
FREEPHONE 0800 55 77 99
PLEASE SEND ME: PRICE TICK
1 Pair + 1
FREE PAIR
$159.90
2 Pairs + 2
FREE PAIRS
$319.80
3 Pairs + 3
FREE PAIRS
$479.70
LINES OPEN 12pm-9pm 7 Days a week
$79.95
$159.90
$239.85
Post & packing $9.95 W
TOTAL
Important indicate shoe size(s)
Women’s Size(s)Men’s Size(s)
© Century Mail 2017
Buy online at www.cmshop.today/KBX18
Quote
promo
code:
KBX18
Post To:Century Mail, Dept KBX18, PO Box 912021,
Victoria Street West, Auckland 1142.
I enclose a cheque/Money Order payable to Century Mail for $…………
Please charge my VISA/MASTERCARD:
CVV
The last 3 numbers on
the back of the card.
Expiry____/____Signature___________________________________________
Mr/Mrs/Ms______________________________________________________________
PLEASE PRINT
90 DAY GUARANTEE
Address________________________________________________________________
Suburb__________________________________________Postcode_______________
Phone_____________________________________DOB_______/________/__________
Email______________________________________________________________________
q Tick this box to sign up for exclusive email offers from Century Mail.
Occasionally we may make your data available to carefully selected companies. If you do not wish to receive interesting
offers from these companies, please tick this box q If you do not wish to receive further communications
from Century Mail, please tick this box q Delivery normally within two weeks but please allow 28 days. C176

ADVOCACY REPORT
NZ GREYPOWER MAGAZINE » SEPTEMBER 2017 41
From page 39
sets a longer default term on tenancies,
limits rent increases and allows tenants
a right of renewal on rental agreements.
Landlords benefit too when tenancies are
stable and long term because the property
gets looked after and there no gaps when
tenants aren’t paying rent.
New Zealand First said they would establish
a Housing Commission as the government’s
permanent vehicle for direct
participation in the housing market. The
Commission’s role would be:
1. In consultation with local government,
private housing developers, other
stake-holders, and the general public, to
develop the New Zealand Housing Strategy
(NZHS) to revamp the New Zealand
housing market with national objectives
covering:
(a) housing and residential land availability,
(b) home ownership affordability,
(c) rental homes supply
(d) rental homes affordability,
(e) housing-land development and redevelopment,
(f) home purchase finance,
(g) insurance cover and earthquake/disaster
cover,
(h) sustainable housing objectives (including
energy efficiency),
(i) housing quality,
(j) integration of housing developments
with sustainable transport systems
(k) greater use of New Zealand expertise
in prefabricated houses.
(l) The use of Maori land to assist in
meeting Maori housing needs
2. To establish a commercial entity
(Kiwi Housing) to acquire land (and
where appropriate use existing state
owned land) to create a land bank in areas
where demand clearly exceeds supply
and/or where a Special Housing Area
has been designated under the Housing
Accords and Special Housing Areas Act
2013, for sustainable residential development,
and to control all aspects of that
development aimed at delivering smaller
high quality new homes with appropriate
land densities, positive social and transport
outcomes, and optimising the use of
prefabricated homes to minimise costs.
3. Kiwi Housing would:
3.1 For Auckland: Build 140,000
new residential houses within 7 years, requiring
an average rate of 20,00 houses
per year.
3.2. Sell residential sections on the
basis of long term agreements for sale and
purchase (up to 25 years) to first home
buyers, on a cost recovery basis, and with
low interest rates and other terms and
conditions to make home ownership financially
possible for the widest possible
range of income groups.
3.3 Develop and implement a range
of other options, including shared ownership
models, to assist low income people
into their own home.
3.4 Be empowered to compulsorily
purchase vacant land already zoned
residential, where the land has not actually
being developed for that purpose, and
where it is required for immediate housing
development under policy 2.2. The
same processes as are specified in Part 2
of the Public Works Act 1981 would apply.
For more information and to keep up
to date please refer to our website: http://
www.nzfirst.org.nz/housing
Labour’s statement is that National
has had nine years to address the housing
crisis and it is still growing worse. Labour
believes it is time for a fresh approach
on housing. We will build 100,000 affordable
houses throughout the country
for first home buyers and crack down on
speculators to address the supply issues
in the market. There are also increasing
numbers of particularly older New Zealanders
unable to afford the rental market
which is why Labour will increase the
number of state houses by at least 1,000
per year until demand is met. We will also
provide grants of up to $2,000 to install
insulation or a clean form of heating so
people can ensure their homes are warm
and dry.
You can read our full housing policy
here: http://www.labour.org.nz/housing
Grey Power’s Comments:
New Zealand has no over-arching
older persons’ housing plan to under-pin
the political parties’ policies although in
2005 the then Labour Govt. launched a
New Zealand Housing Strategy which set
out a long-term vision for housing. (www.
hnzc.co.nz/.../annual-report/2004...annual-report/annual-report-20)
But a cursory google search has failed
to find a copy of the actual strategy and
the 2013 briefing for the incoming Minister
of Housing makes no mention of it.
Therefore, in 2015, Grey Power specifically
requested government and others
to draw up a comprehensive strategy for
improving the housing options available
for vulnerable older people and others.
We recommended that it should include
an affordable, adequate housing supply
for older persons, better regulation of the
private rental sector to ensure healthy
homes and sustainable tenancies, provision
of a range of housing services to
assist older people to make informed
choices, provision of a range of options
to suit the diverse housing and aged care
needs of older people reaching retirement
and consideration of new ways of funding
housing projects e.g. social housing
bonds, betterment taxes and inclusionary
zoning. Also, all special housing area
developments would provide a percentage
of affordable and specially designed
housing for older people and the guarantee
that there is continuity in housing
policy across all relevant decision-making
bodies. All these correspond with the NZ
Positive Ageing Strategy housing goal of
affordable and appropriate housing options
for older people.
Some sections of all four party policy
statements accord with parts of Grey
Power housing policy and we commend
the national government for its attempts
to improve housing affordability however,
as Professor John Tookey, Head of the
Department of Built Environment at AUT
has pointed out:
“the market cannot fix high house
prices itself... We cannot leave matters to
the free market and then continue to be
stunned by the inconvenient fact that the
market will act in its own best interests:
land banking; rationing land release to
keep prices high; and building large and
expensive homes whilst ignoring demand
at the bottom end of the market.”
Grey Power believes as the Greens
state above “Everyone should have affordable,
secure, warm, and dry housing.”
3) Elective Surgery
Grey Power recommends improved early
access to elective surgery through the
demonstration of a positive benefit / cost
ratio.
We asked the Greens, National,Labour
and New Zealand First: “How would your
party provide adequate funding and ensure
that national priority criteria are
Continues page 47
Investment rate from 6.25% *
Just because
you’re relaxing
doesn’t mean your
money should.
Need a better return?
• Investment rate from 6.25% *
• Flexible terms: 6-12 months
• First Mortgage secured,
over residential property
• Minimum investment $10,000 **
• Zero fees
*
Investment rate subject to change. Southern Cross Partners Ltd is a licenced
Peer to Peer lender under the Financial Markets Conduct Act 2013.
**
Subject to availability
Phone 0800 003 954 for a brochure
or email vicky@scpartners.co.nz
www.southerncrosspartners.co.nz

42 NZ GREYPOWER MAGAZINE » SEPTEMBER 2017
NZ First leader Winston Peters says...
NZ Super is earned – it’s not a gift
As expected, in the final dash to the general election
the old parties have been dishing out promises to
younger Kiwis.
That’s fine but what about seniors?
In the “Big Bidding War” to get
votes, the old parties have pretty
much forgotten about seniors.
That’s typical.
They take seniors for granted and
when it comes to NZ Super the old parties
are about as shifty as Las Vegas cardsharps.
Have a look at their record.
We are proud that we have been the
only party Seniors can trust to be in their
corner battling for them.
And we have taken some serious stick
for that.
We are particularly outraged that the
number of immigrants settling here permanently
keeps climbing month after
month while at the same time we’re being
fed spin out of the Beehive saying it has to
happen because if it didn’t, the economy
would collapse.
What a load of baloney!
Latest figures from Statistics New Zealand
say 72,400 net immigrants set up
home here in the year to July.
But there are figures and figures.
According to Infometrics, who are
data analysis experts, a more accurate figure
would not be 72,400 but more than
80,000 and a lot of them are low-skilled.
What does that mean for Seniors?
Well, for a start the roads are more
congested, you are having to queue for
healthcare, your grandkids will be finding
it harder to get a job and with the price of
houses getting out of reach, more difficult
to get a roof over their heads as well.
A sizeable proportion of those immigrants
are also getting on in years and
they’re costing the New Zealand taxpayer
enormous sums of money in circumstances
you will not see in any other first world
country.
In the last 15 years, 87,000 older immigrants
arrived in New Zealand and no
matter whether they work or pay taxes,
when they reach 65, they are entitled to
NZ Super – that’s after having been here
only 10 years.
This is an extremely generous entitlement
to immigrants compared with New
Zealanders who have worked 45 years for
the same privilege.
No wonder New Zealand gets called
“the retirement home of the South Pacific.”
The old parties raise the issue of affordability
but have never done a thing about it.
National doesn’t want to stop the out
of control immigration juggernaut while
Labour is bound up in PC tape and too
scared to say boo over it.
New Zealand First is the only party taking
this issue seriously.
We want to raise the minimum residency
requirement for immigrants from 10 to
25 years coinciding with abolishing the
much maligned Section 70. Immigrants
and Kiwis who have lived and worked
overseas, so long as they have lived and
worked in New Zealand for more than 25
years, should be able to retain their overseas
pensions.
That’s only fair for New Zealand taxpayers
who work hard all their lives and
earn their NZ Super entitlement.
The emphasis is on the word “earned.”
We are the party that works for seniors.
After all, we got rid of the surtax that
Labour and National introduced and we
restored super payments to 66 percent of
the net average weekly wage.
Among our policies to help seniors are:
Labour Party leader
Jacinda Ardern says…
• Three free GP visits for SuperGold
cardholders each year – National voted
against this in Parliament.
• Removing the tax on the New Zealand
Superannuation Fund – the nest egg for
NZ Super. National started taxing the
fund, and it stopped government contributions
for 10 years robbing it of billions.
We would re-start contributions.
• Free eye tests for SuperGold cardholders
once a year.
• A ten percent discount on power bills
for SuperGold card holders during the
winter months.
• Extending the benefits of the Super-
Gold card and we will be making a new
announcement on this on September 9.
Time for a better,
fairer New Zealand
This election is all about which party has the best
ideas to make New Zealand an even better place.
That means answering some big questions like:
Who will invest in health so that
people can get the care they
need, when they need it?
Who will make sure there are healthy,
affordable houses for everyone?
Who will make sure people have
the incomes they need to get by?
Who will keep our communities safe
and make sure there are enough police?
I believe New Zealand can be the
best country in the world to live, once
again.
To do that, we need a government
that will fix the problems we have and
invest in those key public services we
all rely on.
And that’s what my positive plan
will do.
That’s why I’ve announced that
Labour will reduce doctors’ fees.
Most superannuitants are eligible
for a Community Services Card or are
patients of a low-cost clinic, and they
will now pay $8 or less to see the GP.
Everyone else will get $10 off their
visits.
This is part of an $8b investment in
health over four years, that will see more
operations in hospitals, shorter waiting
lists, and more help in the community,
including mental health workers.
We all know that health, with years
of underfunding, hasn’t kept up with
the needs of our people.
I’m determined to fix that.
Another big concern for me is
housing.
Too many of our houses are cold,
damp, and unhealthy.
Rents and house prices are being
driven up by speculators.
For a lot of people, it’s just too expensive
to keep warm in winter and
they end up sick.
So, Labour is going to offer a Winter
Energy Payment to superannuitants
of $450 for a single person or
$700 for a couple to help meet those
winter power bills.
We’ll also require all rentals to
meet basic health standards.
They’re going to have to be insulated,
have heating, and be weathertight.
We wouldn’t let a butcher sell meat
that makes people sick, and the same
should apply to landlords renting out
houses.
We’re also going to lock out those
overseas speculators who are driving
up our house prices. We want homes
to be affordable and that can’t happen
when speculators are gambling
on them.
I know many New Zealanders are
concerned about the future of superannuation.
We need to give people certainty
in their retirement, and that means
making sure we are prepared as government
and have saved for the future.
That’s why we’ll resume Superannuation
Fund contributions as soon
as we take office, so the money will be
there in the future when we need it.
My promise is that Labour will
keep super at 65.
Lastly, a word on crime.
I want all New Zealanders to feel
safe in their homes and in their communities.
There are fewer police now than
two years ago and 200,000 more people
in the country.
No wonder crime has gone up.
That’s why Labour will recruit
1000 more police.
We can do these things because we
have rejected National’s plan for tax
cuts that deliver $400m a year to the
top 10 percent.
Now is our chance to choose better
healthcare, warm housing, safe communities,
and a fairer New Zealand
for everyone.
LAB_Grey Power_001.indd 1
29/08/17 2:04 PM

Prime Minister Bill English says...
This election is all about YOU...not me
or any other politicians
This election isn’t about me or any other politicians. It’s
about you, your children and your grandchildren.
NZ GREYPOWER MAGAZINE » SEPTEMBER 2017 43
For those of you have retired, or
about to retire, it’s about ensuring
you are able to live with dignity,
have ready access to health services and
that the streets and your homes are safe.
That’s why superannuitants will share
in the benefits of the Families Incomes
Package that takes effect next April.
For retired couples the package will
mean an extra $13 a week on top of the
$160 increase in the married rate since
2008. For single superannuitants the
package will mean about $8 more on top
of the $104 increase in the single rate over
the same period.
In addition 15,000 superannuitants
will get an average of an extra $29 a week
once the April 1 changes to the Accommodation
Supplement take effect.
It’s also why we’ve increased the number
of knee, hip and other elective operations
performed each year by 50,000 and
why we’re increasing police staff numbers
by more than 1100 over the next four
years to keep our streets and communities
safe.
For your children the election is about
ensuring the economy continues to be
managed soundly so that we are able to
continue to encourage innovation and reward
effort, improve public services and
share the benefits of growth.
That is why we are adjusting tax
thresholds, lifting family tax credits for
families with young children and increasing
the accommodation supplement. Together
the changes will put an average of
an extra $26 a week in the pockets of 1.3
million families next April.
For your grandchildren the election is
about opportunity.
Here’s an example of what I mean.
Three weeks ago I visited a job fair in
Porirua.
At the fair excited students and young
job seekers told me that employers were
competing to offer them jobs.
That, in a nutshell, is what good government
looks like. The growing economy
is delivering opportunities for our young
and our not-so young.
All over the country the same picture is
replicated.
In rural communities that had almost
given up hope of expanding there are more
job vacancies than people to fill them. In
our cities new business are opening their
doors and old businesses are expanding.
You don’t need me to tell you that this
is not business as usual. We’ve had periods
of rapid growth in the past, but they’ve
almost always been followed by periods of
decline.
Now, however, we’ve had six-and-ahalf
years of almost continuous growth
and we’re looking at another four to five
years of growth if we continue to make
good decisions.
Some political parties find this prospect
unsettling. They want to stop for a breather.
But National is not going to embark on
a go slow to make them feel better.
Of course we face challenges. There
has never been a time in our history when
we didn’t. But what is different now is
that a growing economy gives us opportunities.
We have the opportunity to further lift
achievement in our schools, to build the
roads and schools and hospitals needed
by a growing population and to improve
the lives of our most vulnerable citizens.
We’ve already made considerable
progress. We’ve lifted Level 2 NCEA
achievement rates for 18-year-olds by
almost 25 percent since taking office in
2008, We’ve invested tens of billions of
dollars in school buildings, hospitals,
roads and the Christchurch rebuild, and
we’ve put more money into the pockets of
those who need it most.
As a country we’re making progress,
but we need to keep making good decisions.
Policies that close the doors to overseas
markets, make it more expensive to
hire staff, and increase uncertainty limit
our future choices.
Policies that open doors for our exporters,
reduce costs and encourage investment
expand our choices.
Now is not the time to stop for a
breather. It is the time to seize a once-ina-generation
opportunity to improve living
standards. National is determined to
seize it.
Authorised by Winston Peters,
Parliament Buildings, Wellington
Delivering for older
New Zealanders
• NZ Super married rate increased by $320 a
fortnight since 2008 – more than double the
rate of inflation.
• An extra $26 a fortnight for married couples
from 1 April from our changes to tax thresholds
on top of your normal annual increase.
• Over 9,000 businesses now offering SuperGold
Card discounts – up from 876 since 2008.
NEW ZEALAND FIRST LEADER
WINSTON PETERS
MEMBER OF PARLIAMENT FOR NORTHLAND
• More operations, a new bowel screening
programme, and more Police to help
keep communities safe.
Parliament office
Freepost
Parliament Buildings, Wellington 6160
P: 04 817 8370
E: winston.peters@parliament.govt.nz nzfirst.org.nz
Authorised by G Hamilton, 41 Pipitea St, Wellington.

44
NZ GREYPOWER MAGAZINE » SEPTEMBER 2017
Advertisement
Get instant relief for tired, painful legs.
Discover how our
Titanium Support
Stockings will get rid
of chronic leg pain -
so you’ll be back on
your feet in no time.
Walking can be a breeze again
Fed up with sore, uncomfortable legs and feet getting in the
way of everyday life? If the answer is “Yes!” - why not give
our new Titanium Support Stockings a try. Guaranteed to
give you immediate relief, you’ll be walking with ease,
sleeping well and enjoying yourself again – free from leg pain.
Titanium soothes and relaxes
Titanium Weave Technology works by increasing the
temperature in your calves and reflecting the heat back in.
The Titanium keeps the warmth at a stable temperature,
which in turn improves blood circulation and instantly
soothes the pain in your tired, uncomfortable legs.
Soft and silky comfort
Made from nylon and Spandex that’s soft, silky and ultra
lightweight, the Titanium Support Stockings provide
immediate comfort as soon as you put them on.
The Spandex adds support in all the right places and gently
massages your legs as you walk. The deep top band means
there’s no worry about uncomfy indents, plus the reinforced
toe means they’re tough and durable too.
Sit for long periods without
discomfort
Ideal for travelling or when you’re sitting at a desk for long
hours, the Titanium Support Stockings are an absolute
lifesaver. By increasing circulation, the swelling in your ankles
will reduce, so you can get straight back up on your feet
without worrying about pain.
Don’t settle for painful legs
and feet
Suitable for both men and women, these discreet
Titanium Support Stockings are a force to be reckoned
with! Customers report they’re so comfortable, they forget
they’re wearing them! Painful leg fatigue is relieved, sensitive
toes don’t hurt anymore, and walking comes naturally again.
And because of that, your life can get back on track -
without leg pain. Imagine that!
“With my job I am on my feet all day. I was suffering from
leg fatigue and pain, particularly with my arthritis. My wife
bought me a pair of these support stockings and the relief
was immediate. I now wear them every day and can enjoy
regular walks again. I feel like I have new legs!”.
Mr DC, Northern NSW.
The sooner you act, the sooner your new, pain-free life
begins. And that’s a promise! So, why not take the plunge,
and order your Titanium Support Stockings today.
With our 90-day, no quibble, Money Back Guarantee,
there's no reason to wait another moment.
90 DAY GUARANTEE
Deep top band
for comfort
Reflects
body heat
into aching
muscles
Soft & silky
Massaging
effect
Lightweight
material
Soothes
swollen
ankles
Reinforced toe
Lines Open
12pm to 9pm
7 Days
l
l
NOT
AVAILABLE
IN THE
SHOPS
Order online at: www.cmshop.today/KTK13
HAVE YOUR CREDIT CARD HANDY
KTK13
Post To: Century Mail, Dept.KTK13, PO Box 912021, Victoria St West, Auckland 1142.
YES! Please send me the
following Titanium Support
Stockings that I can try on a
90 day Money Back Guarantee:
Please send me my Pair of
Titanium Support Stockings
for $19.95 and another pair
FREE + $9.95 P&P
BEST DEAL Please send
me 2 Pairs of Titanium
Support Stockings for
$39.90 + $9.95 P&P and
2 pair ABSOLUTELY FREE
SAVE $39.90
l
l
l
0800 55 77 99
l
BUY ONE
GET ONE
FREE
SAVE $19.95
l
© Century Mail 2017
AND ASK
FOR DEPT
I enclose a cheque/Money Order payable to Century Mail for $…………
Please charge my VISA/MASTERCARD:
Expiry____/____Signature___________________________________________
Mr/Mrs/Ms______________________________________________________________
PLEASE PRINT
CVV
The last 3 numbers on
the back of the card.
Address________________________________________________________________
Suburb__________________________________________Postcode________________
Phone_____________________________________DOB_______/________/__________
Email______________________________________________________________________
q Tick this box to sign up for exclusive email offers from Century Mail.
Occasionally we may make your data available to carefully selected companies. If you do not wish to receive interesting
offers from these companies, please tick this box q If you do not wish to receive further communications
from Century Mail, please tick this box q Delivery normally within two weeks but please allow 28 days. T194

NZ GREYPOWER MAGAZINE » SEPTEMBER 2017 45
Building a caring society
The Green Party believes that older New Zealanders
should have opportunities to work and contribute to
society, be treated with respect and dignity, and be
supported with affordable, high quality care. The next
government in our country needs to make these issues a
priority instead of tax cuts for those on higher incomes.
FROM BARRY COATES
Over the years, successive governments
have established the basics
of a supportive system for seniors
– a universal superannuation system, a
high quality health system and aged care
services – but these have been undermined
in recent years.
There are proposals to raise the age of
eligibility of our superannuation system,
our health care system is under-funded
and aged care is being eroded. At a time
when the needs are increasing rapidly, we
need to restore these pillars of our support
for seniors.
The Greens have been working with
Labour and Grey Power on an inquiry
into aged care, as an update to our comprehensive
report in 2010. The current
inquiry has reviewed progress, gathered
evidence from experts and convened nine
public meetings across New Zealand. We
have listened to people’s experiences with
aged care to find ways the system can be
improved.
Grey Power has a responsibility to alert its
members to what endangers their wellbeing
Just when we thought our Party had demolished
that dangerous myth called the “dependency ratio”,
Retirement Commissioner, Diana Crossan, revived it in
a recent radio interview as a reason for more saving.
FROM HEATHER
MARION SMITH
Seniors Advocate,
NZ Democrats for Social Credit Party
This story preached that in the distant
future there would be only
four people in the workforce to
support one superannuitant.
Later this was revised to only two.
The theory is that people must start
saving early as there would be too little
in the government coffers by the time the
baby boomers reach retirement.
No mention that the income tax from
those actually employed amounts to less
than half of total government revenues.
Nor that, largely thanks to rapid communication
technology, New Zealand’s
productivity rate increases annually by
about 1.3 percent.
Back in 2000, Finance Minister Dr
Michael Cullen used the myth to persuade
the public that a New Zealand
Superannuation Fund be established
which would invest large chunks of our
taxes, via the capital markets, in overseas
corporates.
The aim was (still is) to build up a fund
to supplement the predicted dwindling of
state contributions in the future.
A group of Democrats for Social Credit
Party representatives made the only political
party submission to the Select Committee,
opposing Dr Cullen’s proposal.
When the Hon Bill English later be-
The inquiry report will be released soon,
but it is already clear that our system of
aged care is failing too many of our seniors.
There are examples of great care, and high
levels of satisfaction with some elements of
home care and residential care, but there
are also too many cases of neglect, elder
abuse or a poor standard of care. The two
tier system is becoming more sharply defined
– retirement villages and premium
care for those who can afford it, and underfunded
services for those who can’t.
There is an urgent need for an Aged
Care Commissioner to champion the
cause of aged care, and to investigate
cases of neglect or abuse. Aged care providers
have auditing processes in place
but these are not providing assurance of
performance. There needs to be a better
accountability system for rest homes and
home care providers, including an accessible
rating system based on clinical outcomes,
with feedback from patients.
The government has a role to play in
putting in place mandatory standards
for staffing. The current 2005 standards
do not reflect the different needs of rest
came Finance Minister he stopped adding
more public revenues to the Fund and we
can at least commend him for that.
Granted the “Cullen” fund has accumulated
much more than 30 billion dollars
since it started operating.
But what we in the Democrats for Social
Credit Party can reveal is that during
this period, around three times that
amount has been swallowed up in Crown
debt-servicing.
Meanwhile the dollars invested in the
home residents, who are now far older,
with complex needs. The staffing levels
in government funding contracts are well
below good practice in other countries.
It is clear from the evidence that government
funding has not kept pace with
the growing numbers of people needing
care. This means the DHBs don’t have
enough money to deliver basic health
care, as we have seen with funding shortfalls
for mental health care and the high
rates of teen and elderly suicide.
A lack of funds also means seniors in
pain can’t get operations. Research shows
long waiting lists and 60,000 people who
have been told they need treatment but
do not meet the criteria.
In frustration, some elderly Kiwis are
having to sell their homes to get access to
private surgery because they can get operations
in the public health system.
Low pay for workers in the sector has
been a problem, and the pay equity case,
brought by Katherine Bartlett is an important
step to improve the quality of care.
The government opposed increased pay
equity through the courts, but were forced
into negotiations that have significantly
lifted the low pay of care workers. This will
benefit workers and the standard of care.
However, there are problems in implementation.
The government has refused to
provide enough funding for the increased
costs and smaller rest homes across the
country are closing or cutting services. This
creates a major problem for families who
need to travel into cities to see their elderly
family members. We need to maintain a
fund could have been financing better
health care, housing, and public transport
for our seniors.
To social crediters “Crown debt” is a
misnomer.
The crown on our country’s Coat-of-
Arms is supposed to symbolise our financial
as well as our political sovereignty.
That’s why we insist that our public
sector (including local bodies) be funded
from our sovereign Reserve Bank at nil or
minimal interest.
This also means no more wasteful
capital charges which successive governments
have imposed on our DHBs.
In the financial year ending June 2016,
for example, the Auckland District Health
Board had to pay a capital charge of
$40,344,000 while the interest paid was
$13,662,000.
network of home care provision and rest
homes across New Zealand.
We heard from our inquiry that seniors
who do not own their home are struggling
with high rental costs and unsuitable, cold
and damp housing. Government needs to
work with councils to ensure there is affordable
and purpose-built housing for
those who don’t own their own home.
There is also a growing demand for innovative
alternatives, such as Abbeyfield
model and Eden Alternative, and facilities
that cater for the specific needs of Māori,
Pasifika and other cultures.
The inquiry will be published soon.
The aim has been for the Greens and Labour
to use the outcomes as a foundation
for our policy on seniors.
The Greens will defend NZ Super and
ensure that it is supported by more funding
for health care, with a stronger aged
care system. We will also increase affordable
housing and improve transport
choices for seniors.
Our respected elders deserve better.
They have rights to aged care as patients,
and they have rights to dignity as valued
members of our society.
The Green Party will clean up our rivers
and protect our environment, take action
on climate change and end poverty in
our country. We will create a sustainable
legacy for the future.
Barry Coates is a Green Party MP,
based in Epsom, Auckland. He is the
Green Party spokesperson on Senior
Citizens. Barry.coates@greens.org.nz
greens.org.nz
Scandalous, when there is legislation
available right now permitting credit, instead
of debt, funding.
As for the age of entitlement for superannuation,
we maintain that it could
actually be reduced to sixty, realising, of
course, that many will choose to continue
in paid employment.
Then, with GST rapidly eliminated
and rates reduced thanks to nil-interest
funding for essential infrastructures, the
resulting increase in disposable income
would allow more choice as to savings and
investment in the private sector.
Grey Power NZ has a tremendous responsibility
to alert its members to what
endangers their wellbeing and security.
And also to acknowledge that there are
practical and ethical financial solutions
ready and waiting to be utilised.

46
NZ GREYPOWER MAGAZINE » SEPTEMBER 2017
Association Contacts:
PO Box 272-1719, Papakura 2244
Ph 09-299 2113
Email: fed-office@xtra.co.nz
Ashburton Secretary & Contact: Natalie Blampied, PO Box 519, Ashburton 7740, Phone: 03 308 4002, Email: nataliemb@xtra.co.nz
Auckland President & Contact: Anne-Marie Coury, Mobile: 022 659 550, Email: seniorswellbeing@gmail.com. Secretary &
Contact: Mr Jens Meder, PO Box 44008, Point Chevalier, Auckland 1246, Phone: 09 846 2525, Email: meder@clear.net.nz.
Buller President & Contact: Mr Lawrence Smith, 22 Russell Street, Westport 7825, Phone: 03 789 6441, Email: trudwylie@xtra.co.nz
Cambridge President & Contact: Mrs Val Massey, Phone: 07 827 0273, Email: val.massey@vodafone.co.nz. Postal Address &
Contact: The Secretary, PO Box 369, Cambridge 3450.
Central Hawkes Bay President & Contact: Mrs Vaietu T Araipu, PO Box 255, Waipukurau 4242, Phone: 06 928 0618, Email:
etu_wpk@hotmail.com
Central Otago President & Contact: Mrs Margaret Hill, Phone: 03 446 8623, Email: margaret-hill@clear.net.nz Secretary/Treasurer
& Contact: Mrs Jacqueline Goyen, 32 Ventry Street, Alexandra 9320. Phone: 03 448 7043, Email: j.goyen@clear.net.nz. Secretary &
Contact: Margaret Lorenz, Phone: 03 446 8733, Email: bmlorenz@xtra.co.nz
Christchurch President & Contact: Mr Ian Brownie, PO Box 31010, Ilam, Christchurch 8444. Phone: 03 942 6905, Fax: 03 942 6969,
Email: fayian@paradise.net.nz.
Coromandel President & Contact: John Rabarts, PO Box 91, Coromandel 3543, Phone: 07 866 8068,
Mobile: 022 611 5717, Email: john.rabarts@ihug.co.nz.
Counties Manukau Secretary & Contact: Noel Gibbons, PO Box 75722, Manurewa, Auckland 2243, Phone: 09 269 7489,
Email: algib@hotmail.com.
Dannevirke & Districts Membership Secretary & Contact: Mrs LA Haste, 26 Victoria Ave, Dannevirke 4930, Phone: 06 374 9984,
Email: aburlace1@xtra.co.nz.
Eastern Southland President & Contact: Evan Currie, Phone: 03 208 8288, Email: bbsbari.123@gmail.com Postal Address: PO Box
100, Gore 9740. Treasurer & Contact: Lynley Leatham, Email: lynley.leatham@aol.co.nz.
Far North President & Contact: Graham Dormer, PO Box 505, Kaitaia 0441, Phone: 09 408 3316.
Gisborne Contact: PO Box 1222, Gisborne 4040, Phone: 06 863 0531, Email: gisborne.greypower@hotmail.com.
Golden Bay President & Temporary Contact: Mr R Reid, 14 Sunbelt Crescent, Takaka 7110, Phone: 03 525 9242, Fax: 03 525 9246.
Greymouth President & Contact: Arthur Jamieson, PO Box 291, Greymouth 7840, Phone: 03 768 7325, Email: awjamieson@xtra.
co.nz.
Hamilton President & Secretary, Office, Postal Address Contact: 9.30 – 12 pm Mon-Thurs, 30 Victoria St, Hamilton 3204, Phone:
07 834 0668, Email: hamgreypower@clear.net.nz, Email: greypowerhamilton.org.nz
Hastings & Districts President & Contact Hastings Havelock North: Ron Wilkins, PO Box 98, Hastings 4156, Phone: 06 876 6147,
Email: ronwilkins73@gmail.com.
Hibiscus Coast Membership Contact: Simonne Dyer, PO Box 129, Orewa 0946. Phone: 09 424 1315, Mobile: 027 212 8322,
Email: hbcgreypower@gmail.com
Hokitika Office, Postal Address & Contact: 1-4pm Mon to Fri, PO Box 233 Hokitika 7842. Phone: 03 755 7777, Email: hokigreypen@
xtra.co.nz.
Horowhenua President & Contact: Terry Hemmingsen PO Box 328, Levin 5540, Phone: 06 367 1300, Email: terry.hemmingsen@
gmail.com. Secretary & Contact: Lynne McKenzie, Phone: 06 368 8069, Email: iandlmckenzie@xtra.co.nz Membership Contact:
Dave Hardman, Phone: 06 363 8020, Email: dave@hardman.net.nz.
Howick/Pakuranga Secretary & Contact: Sandy Feringa, PO Box 38281, Howick, Auckland 2145. Phone: 09 534 9409, Email:
sandyferinga@xtra.co.nz
Hutt City President & Contact: Barbara Branch, 25A Whanake Street, Titahi Bay, Porirua 5022, Phone: 04 236 8003, Mobile: 027 485
9101, Email: brubarb1@clear.net.nz, Website: http://greypowerhuttvalley.org.nz/huttvalley Treasurer & Second Contact: Lisa Seerup,
Phone: 022 618 9058, Email: wildmo@gmail.com
Kaipara Secretary & Contact: Mr Ken Cashin, 27 Seaview Road, RD 7, Dargaville 0377, Phone: 09 439 4452, Email: k.cashin@
vodafone.co.nz.
Kapiti Coast Office & Contact: 1st Floor, Coastlands, PO Box 479, Paraparaumu 5254. Phone: 04 902 5680, Email: kapitigreypower@
paradise.net.nz , Website: www.kapitigreypower.co.nz
Kawerau & Districts President & Contact: Brian Dent, PO Box 209, Kawerau 3169. Phone: 022 381 0663, Email: brdent49@gmail.
com. Secretary & Contact: Lyn Hughes, Phone: 07 323 8630, Email: lynhughes63@gmail.com.
Kerikeri Temporary Contact: Shaun O’Reilly, Email: reillysk76@gmail.com. Postal Address: PO Box 401, Kerikeri 0245
Mana Tawa Main Line & Contact: Douglas Hazelwood, PO Box 50034, Porirua 5240. Phone: 04 233 0162.
Manawatu Office, Postal Address & Contact: 309 Main Street, Palmerston North 4410, Phone: 06 357 1930, Email:
greypowermanawatu@digicloud.nz. Membership & Contact: Mrs Sally Mayne, 2 Charisma Court, Kelvin Grove, Palmerston North 4414.
Phone: 06 353 0835, Cell: 027 742 1925, Email: psmayne@vodafone.co.nz.
Marlborough President & Contact: Brian McNamara, Phone: 03 928 4479, Email: mcmamarabrian100@gmail.com. Office,
Secretary & Contact: Marlborough Community Cte, 19/25 Alfred St, Blenheim 7201. Phone: 03 578 4950, Fax: 03 578 4950, Email:
greypowermarl@xtra.co.nz, Website: www.greypowermarlborough.co.nz Postal Address: PO Box 875, Blenheim 7240.
Matamata President & Contact: Mr Brian Arndt, 11 Simpson Lane Matamata 3400, Phone: 07 888 6812, Email: brianarndt@xtra.
co.nz
Mercury Bay President & Contact: Merle Edwards, Phone: 07 867 1737, Email: merlee@xtra.co.nz. Postal Address: PO Box 226,
Whitianga 3542.
Morrinsville President & Contact: Mike Gribble, Phone: 07 889 5472, Email: mgribb@gmail.com. Secretary & Contact: Valerie
Rodda, 31 Rushton Road, Morrinsville 3300. Phone: 07 280 5499, Mobile: 021 0227 5859, Email: valeriemrodda@gmail.com
Motueka Office & Postal Contact: 9am- 3pm, Mon-Fri, Community House, Decks Reserve, PO Box 350, Motueka 7143. Phone: 03
528 9076, Fax: 03 528 9076, Email: greypowermot@gmail.com.
Napier & Districts Membership Secretary & Contact: John Wuts, PO Box 4247, Marewa, Napier 4143. Phone: 06 844 4751, Email:
wutsie@xtra.co.nz, Website: www.napiergreypower.org
Nelson Office & Physical Address: 33 Putaitai Street, Stoke, Nelson, Phone: 03 547 2457, Fax: 03 547 2157, Email:
nelsongreypower@xtra.co.nz, Website: http://greypowernelson.org.nz. Postal Address: C/- President, PO Box 2190, Stoke, Nelson
7041.
New Plymouth Office, Postal Address & Contact: 21/117 Powderham Street, New Plymouth 4310, Phone: 06 757 5885, Fax: 06
757 5886, Email: greypower1@clear.net.nz.
North Canterbury Membership, Secretary & Contact: Pauline Jackson, PO Box 28, Rangiora 7400, Phone: 03 310 6563.
North Otago President & Contact: Mr Paul Hyde, Phone: 03 434 1025, Community House, 100 Thames Street, Oamaru 9400, Email:
nogreypower@yahoo.co.nz. Membership Secretary & Contact: Mr Graeme Leather, Phone: 03 437 2220.
North Shore Acting Chair & Contact: Bill Rayner, Phone: 09 445 3370, Email: brayner@xtra.co.nz Postal Address: PO Box 32635,
Devonport, Auckland 0744 Membership Contact: Mr Des Stobbs, Phone: 09 445 7675, Email: des.stobbs@xtra.co.nz.
Opotiki Secretary & Contact: Mrs Joy Forbes, 52 Grants Road, Opotiki 3122. Phone: 07 315 5469.
Otago Office & Contact: 11am – 2 pm, Mon to Thurs. 211A King Edward St, South Dunedin, Phone: 03 456 1685, Email:
greypowerotago@gmail.com, Fax: 03 456 1686.
Otaki (sub branch of Kapiti) Contact: Vacant
Otamatea President & Contact: Kathleen Pattinson, 25 Murdoch Street, Dargaville 0310, Phone: 09 283 2052, Email: Kath@Pattinson.
co.nz
Paeroa President & Contact: Ken Carter, Phone: 07 862 7271, Email: carterkb@xtra.co.nz, Secretary & Contact: Gail Locke, 26
Waimarei Avenue, Paeroa 3600. Phone: 07 862 6256, Email: gailsone53@gmail.com.
Papamoa & Dists President & Contact: Ruth Dekker, 392B Oceanbeach Road, Mt Maunganui 3116. Phone: 07 574 1845,
Email: ruth.Dekker1@gmail.com
Queenstown President & Contact: Doug Parker, Phone: 03 409 0767, Mob: 022 3507820, Email: doug.parker@xtra.co.nz.
Rangitikei Chairman & Contact: Brian Goddard, 26 Oxford Street, Marton 4710. Phone: 06 327 7892, Email: brianna.goddard@gmail.
com. Treasurer & Contact: Del Bettridge, Phone: 06 327 7678, Email: del.bettridge@gmail.com. Postal Address: PO Box 82, Marton
4741
Rotorua Office, Postal Address & Contact: Tue-Fri,10am to 2pm, 1333 Eruera Street, PO Box 414, Rotorua 3040. Phone: 07 346 1739,
Email: greypower.rotorua@gmail.com.
Ruapehu (sub branch of Waitomo) President & Contact: Mr Alan Turton, 37 Falkner Park, Taumarunui 3920. Phone: 07 895 5385,
Mob: 027 814 2279, Email: theateam33@xtra.co.nz.
Southland President & Contact: Mr Peter Kennett, Phone: 03 217 6616, Mobile: 022 612 5504, Office & Contact: PO Box 861,
Invercargill 9840, Hours: 9.30 am to 1pm. 122 Esk St, Invercargill, (Cnr Esk and Deveron St), Phone: 03 214 5008, Fax: 03 214 5009,
Email: greypowersouth@xtra.co.nz, Facebook: http://www.facebook.com/GreyPowerSouth
South Otago President & Contact: Mrs Joanne Blackie, 14B Barr Street, Balclutha 9230, Phone: 03 418 1777. Secretary & Contact:
Mrs Rowena Bunting, Phone: 03 418 1340, Email: rowenabunting@xtra.co.nz.
South Taranaki President & Contact: Alison Howie, PO Box 167, Hawera 4640 Phone: 06 272 8029, Email: alioop1942@gmail.com.
South Waikato President: Janet Boyce, Phone: 07 886 1317, Mobile: 021 172 2336, Email: swgreypower@gmail.com Secretary &
Contact: Heather Williamson, 158 Elizabeth Drive. Tokoroa 3420, Phone: 07 886 5658, Email: hwilli@xtra.co.nz.
Stratford Secretary & Contact: Claire Trowbridge, 110 Orlando Street, Stratford 4332. Phone: 06 765 7044, Email: c.c.trow@xtra.co.nz.
Taupo President & Contact: Mrs Eda Terry, Phone: 07 378 9592, Email: edaterry@xtra.co.nz. Postal Address: PO Box 862, Taupo
3351.
Tauranga & Western Bay of Plenty President & Contact: Jennifer Custins, Mob: 021 676 276, Email: jay.20@windowslive.com Vice
President & Contact: David Marshall, Mob: 022 185 4263, Email: dandj@bethany-bop.com Office & Contact: 10 am to 1 pm, Mon-Fri,
Historic Village, Seventeenth Avenue, Tauranga, Phone: 07 571 2558, Email: tgagreypower@gmail.com. Postal Address: PO Box 841,
Seventeenth Avenue, Tauranga 3140, Website: greypowertauranga.org.nz.
Te Aroha President & Contact: Mr Rod Gibson, Phone: 07 884 7414, Email: rodgibson49@gmail.com. Postal Address: PO Box 39,
Te Aroha 3342.
Te Awamutu President & Contact: E Hazel Barnes, Phone: 07 870 1924, Email: edithhazelbarnes@gmail.com. Contact Address: PO
Box 540, Te Awamutu 3840.
Temuka Secretary & Postal Address: Mrs Vicki Howey, C.- Temuka RSA, 130 King Street, Temuka 7920.
Thames: Secretary & Contact: Carolyn Young, 303 Kauaeranga Valley Road, RD2, Thames 3577, Phone: 07 868 6353, Mobile: 0274
634 948, Email: barry.carolyn@xtra.co.nz. Membership Contact: Colin and Christine Hovell, Phone: 07 868 8196, Email: cchovell@
gmail.com. Website: www.greypowerthames.co.nz.
Timaru President & Contact: Mrs Denise Fitzgerald, Phone: 03 688 3833, Email: denise_fitzgerald@xtra.co.nz Postal Address: PO
Box 4060, Highfield, Timaru 7942.
Upper Hutt Membership Contact: Sally Becker, Phone: 04 973 4247, Email: mpbecker@clear.net.nz Office: PO Box 40306, Upper
Hutt 5140 Comb Hutt Valley Assns’ website: www.greypowerhuttvalley.org.nz/huttvalley
Waiheke & Gulf Islands President & Contact: Allen Davies, 422 Seaview Road, Onetangi, Waiheke Island 1081, Phone: 09 372 7481,
Email: allen.davies38@gmail.com.
Waihi President & Contact: Gareth Cook, Mobile: 021 071 0515, Email: tekuweirdos@gmail.com. Secretary & Postal Contact: Elspeth
Heaton, 9a Athenree Road, RD 1, Katikati 3177. Phone: 07 863 5853, Email: elsbethath@xtra.co.nz.
Waimate President & Contact: Bern Sommerfeld, Phone: 03 612 6292, Email: lynbern@xnet.co.nz. Office Postal Address & Contact:
Community Link, Event Centre Waimate, Paul Street, Waimate 7924. Membership, Secretary & Contact: Mrs M Henshaw, Phone: 03
689 7539.
Wainuiomata President & membership contact: Jane Chamberlain, 87B Main Road, Wainuiomata 5014, Phone: 04 971 9189, Mobile:
027 320 8879, Email: horatio@paradise.net.nz, Website: http://greypowerhuttvalley/huttvalley
Wairoa & District President & Contact: Les Hine, Phone: 06 838 6545, Email: greypower.wairoa@outlook.co.nz or leshine@xtra.
co.nz. Secretary & Contact: Shirley E Callaghan, PO Box 26, Wairoa 4160. Phone: 06 838 8770, Email: shirley.cally@gmail.com.
Waitakere Office & Contact: 9.30 am – 12 pm, 247 Edmonton Road, Te Atatu Sth Community Cte, Waitakere. Phone: 09 838 5207,
Fax: 09 838 5237, Email: waitakgp@xtra.co.nz. Postal Address: PO Box 83300, Edmonton, Waitakere 0652.
Waitomo President & Contact: Ngaire Grayson, Phone: 07 878 6938, Email: rknegrayson@clear.net.nz. Membership Contact:
Helen Easton, Phone: 07 878 6939, Email: helen.easton.nz@gmail.com. Secretary, Contact & Postal Address: Mr Merv Williamson, 6
Eketone Street, Te Kuiti 3910, Phone: 07 878 6018, Email: mvw@clear.net.nz.
Wanganui President & Contact: Sharron Callaghan, Phone: 06 345 4890 Administration & Contact: GPO Box 4197, Wanganui 4541
Phone: 06 345 4559, Email: info@greypowerwanganui.co.nz.
Warkworth Contact: Carole Greenwood, Phone: 09 425 8672, Email: carolgreenwood44@gmail.com Postal Address: PO Box 351,
Warkworth 0941.
Wellington Central Membership Contact: Ray Markham, PO Box 13755, Johnsonville, Wellington 6440. Phone 04 478 6091, Email:
rbmarkham@clear.net.nz, Website: www.greypowerwellington.org.nz.
Wellington South East Contact Address: PO Box 14051, Kilbirnie, Wellington 6241. President & Contact: David Williams, Phone: 04
934 3484, Email: david_williams_wlg@yahoo.co.nz.
Whakatane President & Contact: Mrs Betty Hudson, PO Box 830, Whakatane 3158. Phone: 07 308 5210, Email:
whakatanegreypower@gmail.com, Website: http://www.greypowerwhakatane.org.nz
Whangamata President & Contact: Mrs Jo Schneebeli, PO Box 223, Whangamata 3643. Phone: 07 865 9288, Email: joschneebeli@
value.net.nz. Secretary & Contact: Mrs Cushla Jarvis, Phone: 07 865 7111, Email: bruges@xtra.co.nz. Membership Contact: Maree
Burt, Phone: 07 865 8924, Email: whangamatagreypower@gmail.com
Whangarei President & Email Contact: Jan Kini, Email: janicemkini@gmail.com. Postal Address: PO Box 964, Whangarei 0140.
Membership Contact: Lynette Fox, Phone: 09 436 1822, Email: mms.fox@clear.net.nz.
New Member
OFFICIAL MEMBERSHIP FORM OF
Grey Power
NZ Federation Inc. ...and its affiliated associations listed above
PLEASE PRINT CLEARLY
Address Change Renewal Membership No.
Association
Have you changed address?
First Names (Mr / Mrs / Miss / Ms)
Street
Suburb
City
Post Code
Occupation
Phone: (H)
Amount Enclosed $
(W)
Email
Includes donation of $
Please put a cross in this box if you do not want your details to be given for promotional and advertising material
Please complete & send to you local Association office listed above. Fees difffer from one Association to another
because they are autonomous and set their own. Where it is not listed, please call your local association.
OFFICE USE ONLY Date Ref No.
URGENT REMINDER
Please check to see when your membership expires!
NOTE: Please when changing your address details it is very
important to include your Post Code to ensure delivery of
your magazine.
ALSO: Nearly all the Associations have excellent discount
books available, covering a wide range of businesses.
Please ask for one.
When travelling take your above association list with you
so you can ask for the discount book in the town you are
visiting.

ADVOCACY REPORT
NZ GREYPOWER MAGAZINE » SEPTEMBER 2017 47
From page 41
consistent across all DHBs for elective
surgery?”
The Greens said that the health sector
has been starved of billions of dollars in
funding since the National Government
came in. We will get health funding back
on track. We know health spending is not
a cost, it is an investment in our people,
and it pays itself back many times over.
The Green Party will investigate whether
the separation of elective and emergency
theatre services would reduce delays in
surgery due to emergencies.
We will work with communities to establish
the priorities for health care. In
an environment of real-term erosion of
Health sector funding, this government
has failed to provide funding for those
things that matter most in the long run,
like promotion of wellness and prevention
of health problems, and primary care
through GPs.
There is still a great unmet need for
elective surgery, we need better research
to accurately measure the number of
people requiring surgery and to better
match the speed of receiving it to acuity
of need. This is crucial to reduce circumstances
where those going without
surgery have conditions that become
severely debilitating.
For DHBs, population-based funding
remains the most sensible overall approach,
we think that some adjustment is
necessary to enable our system to put the
most effort and resource into improving
the health of those whose health status
is the poorest, suggesting an increase in
weighting the formula for population’s
likely to have greatest needs. The formula
also appears to deal inadequately with
both the extra cost of providing tertiary
services and the diseconomy of scale of
the most rural DHBs.
National response is that it is committed
to supporting older New Zealanders
live longer, healthier, independent lives.
That is why increasing access to specialist
care remains a priority for this Government.
As we live longer, access to elective
surgery becomes increasingly more important.
The answer to increased demand
is to do more, whether it’s assessments or
operations, and that’s what the Government
is focused on delivering. The number
of patients receiving elective surgery
such as for cataracts, hips and knees has
increased from 117,951 in 2008 to 171,608
in 2016. That’s over 53,500 more surgeries
over the last eight years - a 45 per cent increase.
This uplift has been accompanied
by a continuing increase in the number
of people receiving elective surgery, and
is being supported by the extra $888 million
being invested into health services for
2018, the biggest increase in eleven years.
The most serious challenge for vulnerable
older people is elder abuse, and we’ve
launched the new Elder Abuse Response
Service to get at-risk people the help they
need, including raising the funding for the
new service to $2.9m, up from $1.7m. We
have promoted elder abuse awareness and
positive ageing through the SuperSeniors
Champions, a group of articulate, highprofile
advocates led by Sir Peter Snell.
Labour responded: We will fund health
to meet the cost of inflation, an ageing
population and population growth in every
Budget. Under National, the Government
has underfunded health $2.3 billion since
2009/10 by failing to fund health to do this.
We will also restore this funding over time.
This means in the next four years Labour
will invest an additional $8 billion into the
Health budget on top of what National have
committed. We will work with surgeons to
boost capacity to close the difference between
thresholds for surgery to end the
postcode lottery of surgery.
New Zealand First acknowledges there
is not enough resources in the current
Health system to provide consistent Elective
Surgery services across all DHB’s.
New Zealand’s entire Health system is
desperate for more resources which must
be allocated out in a way that is fair for all.
Elective surgery had its funding pool
cut $12m last year. However, in Budget
2017, the government increased that
funding pool by just $6m – meaning
while it is a technical funding increase,
the reality is there is a funding shortfall of
more than $9m.
While the Health Budget technically
is increasing, this is not keeping up with
the population demand and increasing
ageing population. New Zealand First
policy is that spending smarter must be
a focus in the health sector in the coming
years, as not all issues can be solved by increased
spending. New Zealand First find
it disturbing that the Treasury reports
continue to show that despite increased
spending in the health sector, health productivity
has not kept pace.
With net Immigration reaching an alltime
high of 73,000, the Government has
failed to address the out of control immigration
policy and we have seen this Government
spend over $50 million treating
foreign citizens. New Zealand First’s Affordable
Healthcare Bill which is currently
in the Ballot would require immigrants
coming to New Zealand to have private
health care insurance for up to 10 years,
and would give benefits to Super Gold
Card Holders that up take health insurance,
this would allow us to better allocate
NatioNal BeNefits
Negotiated by
Grey Power NZ federation inc.
some of the health budget
to elective services.
New Zealand First
will redress the balance
between health administration
and health practitioners
within DHB’s,
ensuring that extra money
going into health is ringfenced
for the delivery of
health services rather than
growing the health bureaucracy.
New Zealand First believes
all patients have the
right to know what will
happen to them regarding
their treatment, and
when it will happen. The
current priority score, that
balances the needs of patients
against the benefits
of treatment, no longer
meets the increased demand
for elective service.
DHB’s are struggling to
cope with the increased
capacity of services.
New Zealand First
knows that health is a
critical Investment in New
Zealand human resource
– not a balance sheet item.
New Zealand First will
ensure a properly funded
and resourced public
health system will not
only provide better for our
country but save money in
the long run.
For more information
and to keep up to date
please refer to our website:
http://www.nzfirst.
org.nz/health
Grey Power’s Comments:
Grey Power consistently
lobbies for early access to
elective procedures and
surgery to provide value
for health dollars and
timely benefit for patients.
We also urge the consistent
use of the national
priority criteria across all
District Health Boards
(DHBs)
Continues page 49
The active organisation for those 50+
The Grey Power Magazine is published quarterly
by Waikato Business Publications for the Grey
Power New Zealand Federa ower NZ Federation
Inc is incorporated under the Incorporated
Societies Act 1908.
Subscription inquiries:
Grey Power Federation
P.O. Box 272 1719
Papakura 2244
Auckland
Phone: 09 299 2113
Email: fed-office@xtra.co.nz
The next issue of The Grey Power Magazine will
be published in November 2017. Deadlines are:
Editorial: Friday, 27th October
Advertising: Wednesday, 1st November
Delivery Address:
The Grey Power Magazine
12 Mill Street, Hamilton 3200
P.O. Box 1425, Waikato Mail Centre, Hamilton 3240
Phone: 07 838 1333 • Fax: 07 838 2807
Editor:
Mike Blake
Email: mike@wbn.co.nz
Mobile: 0272 488 442
Production Manager:
Tania Hogg
Email: tania@wbn.co.nz
Phone: 07 838 1333
Advertising inquiries:
Debbie Jamieson
Email: Debbie@wbn.co.nz
Phone: 07 838 1333 • Mobile: 027 229 0202
DISCLAIMER: The information contained in this publication is published
in good faith and has been derived from sources believed to be reliable
and accurate. However, neither the Grey Power New Zealand Federation
Inc. nor any person involved in the preparation of this publication accepts
any form of liability whatsoever for its contents, including editorials,
advertisements, opinions, advice or information, or for any consequences
for its use. Grey Power New Zealand Federation Inc is a non-political
organisation with no affiliation to any political party or political group.
ISSN 1173-2415
BUY – SELL – SWAP RENT – NOTIFY
Grey Power Lifestyle Quarterly now accepts classifieds advertisements. These advertisements are
for the exclusive use of members of Grey Power, excluding commercial business. Cheques payable
to: Waikato Business Publications, PO Box 1425, Waikato Mail Centre, Hamilton 3240.
NOTICE
REUNION: Easter 2018 ‘Friends of Waiuta Inc’ tell your family and friends, venue Waiuta & Reefton.
Book accomodation asap Contacts 03 768 6164 or 03 768 7118. Email treasurer@waiuta.org.nz
chairperson@waiuta.org.nz
FOR SALE
Lawnmaster Mower and STIHL Edge Trimmer. Both in great condition. Ill health forces sale $375.
Contact 09 238 3964.
The following organisations are of
benefit to Grey Power Federation
and the membership at large.
• ail insurance
• Duty free stores
• inter-island ferry
• Grey Power electricity
• Reduced to Clear
(discounted groceries)
• Challenge fuel
Further details can be
obtained from:
federation office
phone:
0800 473 979
email:
fed-office@xtra.co.nz
website:
www.greypower.co.nz
D8659J
Grey Power CLASSIFIED AD COUPON
Name: .............................................................................................................................
Address: .........................................................................................................................
Category (For sale, wanted etc) .....................................................................................
Month of issue: March ( ) June ( ) Sept ( ) Nov ( )
Advertisement: ...............................................................................................................
........................................................................................................................................
........................................................................................................................................
........................................................................................................................................
Cheque attached ($1 per word): $ ..................................................................................

48
NZ GREYPOWER MAGAZINE » SEPTEMBER 2017
91% WANT
ONE LAW FOR ALL
For the sake
of your grandchildren,
vote to end
race based policies.
hobsonspledge.nz
Authorised by C. Costello, Hobson’s Pledge Trust, Suite 311, 184 Symonds St, Auckland.

NZ GREYPOWER MAGAZINE » SEPTEMBER 2017 49
Use your vote to end race-based policies
When Maori chiefs signed the Treaty of Waitangi,
Governor Hobson said to each one “We are now one
people”. A year ago, a group of us formed the Hobson’s
Pledge Trust to promote Governor Hobson’s vision.
FROM DON BRASH
Co-spokesperson,
Hobson’s Pledge Trust
What drove us was the absolute
conviction that there is no hope
for racial harmony in New Zealand
unless all of us, irrespective of when
we or our ancestors came to this land,
have equal political rights.
And what we saw all around us was a
dangerous trend in absolutely the wrong
direction:
• The Independent Maori Statutory
Board enabling unelected tribal
appointees to have voting rights on
most Auckland Council committees;
• A requirement to have unelected tribal
appointees on several regional council
committees;
• A requirement in the recent amend-
From page 49
We agree with Labour, New Zealand
First, the Greens and those quoted below
that there is a significant shortfall in
the 2017 Health budget. CTU economist
Bill Rosenberg estimates that amount at
$215 million. This is insufficient to pay
for the increased costs of providing existing
services, the growing and aging
population since last year’s Budget, plus
the initiatives announced for next year.
Even worse, consistent funding shortfalls
have occurred annually which means that
compared to 2010 the 2017 Health budget
deficit is $1.4 billion and, in comparison
to similar countries New Zealand ranks
poorly on access measures such as waiting
times for elective surgery, for first specialist
appointments, and for treatment
after diagnosis.
And because the National Elective Services
budget for 2017/18 has been cut by
$26.1 million in real terms compared to
2016/17 it is becoming more difficult to
ment of the RMA for all local
governments to give a priority to the
views of their local tribes;
• Plans by the current Government to
give tribes special rights in the
allocation of water;
• An exemption from corporate tax of
the multi-million dollar businesses
arising out of Treaty settlements;
• Lavish Government funding to
support tribes laying claim to
customary marine title over the entire
coastline;
• A requirement from the Education
Council that, from 1 July this year, all
teachers give a special status to
children with a Maori ancestor and
give special deference to the “Maori
world view” (whatever that means);
• The continuation of separate Maori
electorates, despite the Royal Com
ADVOCACY REPORT
Each number in the grid represents a letter of the alphabet. Three letters have
already been given. Start by filling in these ones, and build the words in the grid
from there. When you have completed the grid, you will be able to solve the
coded message.
gain enough points to meet the priority outcomes and health inequalities with procedure which now means she cannot
criteria to ensure surgery in the public more 1 2people 3 4living 4 in pain 5 than 6 7ever 8 be-fore as evidenced by Grey Power’s elective service where she lives and believes that
9retain 2 her
LETTER
driver’s licence.
VALUES
She has no bus
health system (http://www.union.org.
Grey Power 10 11CodeWord 9 6 No. 89 (September 6 8 17)
by PMH
nz/government-responds-to-increasinghealth-needs-with-spin/
10The 12 most 11 8outstanding 13 10 14feature 12of Grey 6 3 12 rest-home. 14
surgery survey.
she should now be assessed to live in a
U
Posted on July 1, 2017 by Huia Welton). Each number Power’s in the responses grid represents is the loss a letter of quality of the alphabet. of Three This is letters just the havetip of the iceberg; Grey
already been 5
life the given. 10
respondents Start by 6 filling suffered. in these Lack ones, 6
of and 15
access
build Power the 2 words
D
can quote in the
N
grid many other cases where
In fact, the New Zealand Medical
from
Association
believe that the gap between the meant because it was too painful to walk would be able to live without assistance
there. When
to elective
you have
joint
completed
surgery,
the
for
grid,
example,
you will be
if
able
elective
to solve
surgery
the
16 10 17 3 12 11 10 17 11 6 12 10
was available people
coded message.
10 17 10 12
patients who meet the clinical threshold the dog or remain part of a walking group as competent members of their commu-
LETTER 12 instead VALUES they are confined to their
1 2 3 4 4 5 6 7 8 5 9 2
Grey Power for surgery, CodeWord but fall short No. of our 9 hospitals’ (September etc. 14 that 9 17) 13 seniors 10 14 missed 15 out on by the 1PMH
companionship
11 9 of other 6 people 8 which 6 can 8 house 1 with 2 3very 4 little 5 to 6live 7for.
8 9 10
9 14 8nities,
financial threshold is widening and 10in
6 6 10 3
Each number order in the to grid keep represents up with the a letter Government’s
of the alphabet. lead Three to letters social have isolation; lack of exercise NB: Grey U Power received no response
10 12 11 8 13 10 14 12 6 3 12 14
already been elective given. surgery Start by filling targets, in these DHBs ones, will and need build the also 8 words has 12 its 3in well-known the 12 grid 11 9 side 18 effects. 10 11 14 9from 11 the 12 Maori 13 14Party 15 and 16 17 in the 18 interests 19 20
from there. to When either you take have funds completed from the other grid, services you 5will be able 10 Also, to solve 6the the inability to 6 gain 15enough
2 of Dfairness N the other political parties’ responses
have been provided verbatim.
17 5 8 1 19 20
coded message. or focus more on the less expensive procedures
to make up the numbers, or both tion 9 14 was 16extremely 10 12 detrimental. 18 14 3 In 12one
9 7 The 8 report was compiled by Jan Pen-
points to get a second cataract opera-
16 10 17 3 12 11 10 17 11 6 12 10
1 2 3(O 4Carville. 4 “Unmet 5 6 7need 8 ‘a 5 national 9 102
LETTER case, a patient, 17 a former physician, was tecost and Tom O’Connor – Grey Power
18 VALUES10 12
10 6 20 7 12
disgrace’”, The Press, 31 May 2014. & told he should have enough money to pay Advocacy and Election Strategy Co-or-
(http://www.union.org.nz/governmentresponds-to-increasing-health-needswith-spin/
Posted on July 1, 2017 by Huia
Welton).
Such under-funding of health services
indicates reduced access to care, poorer
mission on the Electoral System
recommending 30 years ago that they
be scrapped if MMP were adopted –
and despite the number of Maori in
Parliament now well exceeding the
proportion of Maori in the general
population.
We know from polling that 91 percent
of all New Zealanders want a society
where everybody has equal political
rights, so in the advertisements we’ve
been running in the media we have urged
people to use their votes in the forthcoming
election to end National’s race-based
policies.
But how? The National Party has a
strong commitment to “equal citizenship”
in its constitution, and in Opposition
successive National Party leaders,
including our current Prime Minister,
made strong statements in favour of
one law for all and scrapping Maori
electorates.
But tragically, over the last nine years
the National-led Government has been
accelerating us towards a society where
those with a Maori ancestor have superior
political rights.
On the basis of their speeches and
voting record, Labour and the Greens
would be worse, and the Maori Party
must take some of the blame for leading
the National Party so far from its core
Grey Power CodeWord No. 9 (September 17)
10 11 9 6 8 6 148
9 131 102 143 4 155 6 17 98 149 810
12
10 9 17 2 11 14 19 8 12 20
10 12 11 8 13 10 14 12 6 3 12 14
privately U to have the procedure – he had
been 6 volunteering 6 at a hospice 10 but can no 3
11 12 13 14 15 16 17 18 19 20
longer D N drive which he says makes him feel
CODED useless. MESSAGE Similarly, another patient has
been told by her local doctor she will not
gain enough points to receive a cataract
5 10 6 6 15 82
12 3 12 11 9 18 10 11 14 9 11
values.
Gareth Morgan’s party favours creating
an Upper House of Parliament with
50 percent of its members being Maori.
ACT’s David Seymour has made some
good speeches on the importance of one
law for all, but does not appear to give any
priority to this issue.
Sadly, at the moment the only political
leader who gives consistent support
to the proposition that all New Zealanders
should have the same political rights
is Winston Peters.
He has given speech after speech
over the years in favour of treating all
New Zealanders equally irrespective of
ancestry.
Last year, he gave several speeches
promising to support far-reaching reform
of the RMA provided that the special
privileges for Maori built into the Bill
by the National-led Government were
removed.
And during the election campaign,
he has made it clear that he will make a
binding referendum on the future of the
Maori electorates – a referendum open to
all voters – a bottom line in post-election
negotiations.
Who you give your electorate vote to is
not important.
Who you give your party vote to is
crucially important if you care about longterm
racial harmony.
by PMH
1 2 3 4 5 6 7 8 9 10
11 12 13 14 15 16 17 18 19 20
dinators utilising information provided
for earlier lobby visits by Pete Matcham,
(Chair, Local Bodies and Housing), Lew
Rohloff (Chair, Superannuation and Taxation)
and Jo Millar (Chair, Health) Na-
16 10 17 3 12 11 10 17 11 6 12 17 10 5 8 1 19 20
20 9 7 10 6 4 18 19 6 16 9 2 13 10 14
tional Advisory Groups.
10 17 10 12 9 14 16 10 12 18 14 3 12 9 7 8
14 9 13 10 14 15 1 9 14 8 18 12 10 10 6 20 7 12
6 6 10 103
9 17 2 11 6 7 14 19 8 12 20
Solution
8 12 3 12 11 9 18 10 11 14 9 11
B L U F F C O M I C A L
17 5 8 1 19 CODED 20 MESSAGE E D A O I O I
LETTER VALUES
r 17)
by PMH
9 14 16 10 12 18 14 3 12 9 7 208
9 E7 N10 D I 6V E4 S 18N 19 O U6 N S16 9 2 13 10 14
From page 22
1 2 3 4 5 6 7 8 9 10
18 Solution: 10 10 Grey 6Power 20 Crossword 7 12No. 9C E O O P L
B L U F C O M I A E
Word to the Wise: Ebullient
H E R U N D E R D O N E
11 12 13 14 15 16 17 18 19 20
10 9 17 2 11 6 7 14 19 8 12 20
D N V S P H R T W G
E R E N
8 7 4 6 3 1 2 5 9 B R A M B L E C O L TSolution
S
S A V E S P B A S I N
I V A F R A A
CODED MESSAGE
6 1 9 7 2 5 4 3CODED 8 MESSAGE
B L U F F O C O M OI C EA L U
ete the crossword. Then rearrange
S T E E L F L O T S A M
I N U N D A T E D S A D
20 9 7 10 6 4
20 9 7 10 6 4 18 19 6 E16 9D 2 13 A 10 O14
I O I
LETTER VALUES
ers in the shaded 2 5 squares 3 8 to 9spell
4 1 7 6 E R E E W E O
G A M E O F
E N D RI V CE S I N O U BN S W G
Word to the Wise indicated below
C L A S S I C B E R M S
1 2 3 4 5 6 7 8 9 10
d. 4 8 5 9 7 3 6 2 1
C E A SO H E N O T SP U NL
A M I B L U18 F19 C6 O M16 I9 A2 E13 10 14
T G T A A
H E R T U EN D EE R OD O GN E M N 11 12 13 T 14 W 15 O 16 17 H 18 A 19 L 20 V E S
3 6 1 4 8 2 7 9Solution
5 D E T E R I O R A T E
E A R L D O M S W I N G D N V S P H R T W G
E R E N
E A V W N
9 2 7 5 1 6 8 4B L3
S A V E S P B A S I N
U FM FO L CA ORM I ECPA I L T O M E
© Pam Hutton 2017
O O E U
CODED MESSAGE
5 3 6 1 4 7 9 8E 2
D E A I O B I NO N I S E LETTER VALUES
I N U N D A T E D S A D
20 9 7 10 6 4
E N D IN VE EP ST UNNOEU NFSE T E D
G A M E O F
1 2 3 4 5 6 7 8 9 10
1 4 8 2 5 9 3 6C 7
R C I B W G
E
D
O
P D
O
S
P
U
L
E L B L U F C O M I A E
A S H E N T S U N A M I
7 9 2 3 6 8 5 1H E4
R U N D E R D O N E
11 12 13 14 15 16 17 18 19 20
18 19 6 16 9 2 13 10 14
S T Y E S S Y N A P S E
T E D EN V OS PG H MR TN
W G T W O H A L V E S
E R E N
Word to the Wise: Ebullient E A R L D O M S W I N G
S A V E S P B A S I N
O O E U
CODED MESSAGE
© Pam Hutton 2017
I N U N D A T E D S A D
20 9 7 10 6 4
© Pam Hutton 2017 | www.puzzlebeetle.co.nz
© Pam Hutton 2017 | www.puzzlebeetle.co.nz
© Pam Hutton 2017 | www.puzzlebeetle.co.nz

50
NZ GREYPOWER MAGAZINE » SEPTEMBER 2017
3 EASY STEPS TO GET RID OF EVERYDAY SCRATCHES AND MARKS!
Try the Incredible
Scratch Remover
SPECIAL
OFFER PRICE!
JUST $49.95
BUY ONE
GET ONE
FREE!
Scratch Remover can
be used on all cars,
vans, motorcycles,
boats caravans, –
in all colours.
Scratch Remover’s tip
has a cushioning system
that helps it to adapt to all
kinds of surfaces and its
technology doesn’t just
eliminate scratches, it also fills,
seals and protects them from
corrosion.
1
2
3
Shake the product well before
use.
Press the Scratch Remover
bottle onto the scratched
surface.
Wipe away any excess liquid
– job done. For best results
use with a Microfibre Cloth
(included FREE with your
order). Apply and buff-up for a
professional looking finish.
No more having to pay expensive
body shop charges for minor
marks and scratches. Scratch
Remover solves the problem
quickly and easily – and at such
low cost.
Respond to this offer within 7 days
and we’ll give you a second Scratch
Remover absolutely FREE. Scratch
Remover works on any part of your
car. Now you can eliminate all those
annoying and unsightly marks.
You will be amazed with the
incredible job achieved with no
skill and minimum effort. Scratch
Remover can be used with
confidence on any age or value of
vehicle from a 10 year old mini to a
2016 Supercar.
Order today and claim your second
Scratch Remover for FREE.
Remember that Century Mail
guarantee that you will be amazed
and delighted with the results or you
can return your Scratch Remover
within 90 days for a refund of the
purchase price.
1
JUST
SHAKE
THE
BOTTLE...
2
PRESS
ONTO
SCRATCHED
SURFACE...
3
WIPE
AWAY
EXCESS...
JOB DONE!
AMAZING
RESULTS IN
SECONDS!
© 2017 Century Mail
90 DAY RISK-FREE TRIAL!
ORDER TODAY! Phone, Post or Order Online!
CALL
NOW
SPECIAL OFFER PRICE
BUY ONE GET ONE FREE!
0800 55 77 99
LINES OPEN 12pm - 9pm 7 DAYS
Please send me a
Scratch Remover PLUS
ONE FREE! for just $49.95
3Please also send me my
Expiry date / Signature
3
FREE Microfibre
Cloth FREE
I include postage
and packing $9.95
plus
FREE
Microfibre
cloth
3 Eliminate Scratches
3 Fills, Seals & Protects
3 Easy Application
3 Use on all Colours
3 No skills required
ASK FOR
DEPT:
KSR13
Post To: Century Mail, Dept KSR13, PO Box 912021, Victoria St West, Auckland 1142
I enclose a cheque / Money Order payable to Century Mail for $______________
Please charge my Visa / Master card
The last 3 numbers on
the back of the card.
CVC
Title Name Date of birth / /
PLEASE PRINT
Address
Suburb
Post Code
Total order
$
Email
Phone
q Tick this box to sign up for exclusive email offers from Century Mail.
Occasionally we may make your data available to carefully selected companies. If you do not wish to receive
interesting offers from these companies, please tick this box q If you do not wish to receive further communications
from Century Mail, please tick this box q Delivery normally within two weeks
but please allow 28 days.
R1361
Order online at www.cmshop.today/KSR13

NZ GREYPOWER MAGAZINE » SEPTEMBER 2017 51
Share the adventure on an escorted
SKI group tour with travel&co.
Colorado, British Columbia, or Niseko wherever you
decide to go, travel&co have amazing destinations and
spectacular Escorted Ski Group Tours to choose from.
You may know us as Dive Fish Snow
Holidays - travel experts who have
been providing customers with tailor-made
active travel experiences for 25
years.
Now, as travel&co we continue to build
on this expertise to bring the beyond ordinary
into your active travel experiences.
And there’s no better place to start your
active travel journey than on a group tour
to some of the most spectacular mountain
slopes the world has to offer.
When you share the trip of a lifetime,
you get to experience the best of everything:
exceptional slopes, stunning locations,
experienced tour guides, social
après ski with your travel companions
and the chance to explore some of the
leading snow destinations in Japan, USA
and Canada.
Joining one of our group tours is not
only a fun and sociable way to explore
some of the best skiing and boarding
destinations, it is a fantastic no-stress allencompassing
experience where all the
planning is taken care of with travel buddies
included!
Whether with your friends or going
solo, our group tours gather like-minded
people together to experience new cultures,
local cuisine and explore some of
the world’s leading ski locations.
With our capable tour leaders you
won’t just see the destination, you will really
get to experience it!
SENIORS SKI ADVENTURE:
Our Seniors SKI tour has been running
for more than 15 years. This tour has it
all: Three weeks in three of Canada’s best
ski resorts: Silverstar, Big White and Sun
Peaks. All internationally renowned for
their wide open slopes, varied terrain,
amazing powder and ski-in ski-out facilities.
The slope-side resort villages are
filled with restaurants, cafes, day spas,
shops, hot pools and off-slope activities.
Fun and social, the Seniors Ski Adventure
is not to be missed
“The Seniors Ski Adventure is the ski
holiday to remember. You’ll be skiing
with friendly people in the most beautiful
mountains on the loveliest snow you’ve
ever seen. We organise lots of social activities
as well as showing you the best places
to ski but the holiday moves at whatever
pace you like. Your Tour Leaders know
these resorts and will ensure that you experience
all that they have to offer. I think
that you’ll be talking about this trip for
years to come!
Here are some recent comments made
by our happy new friends: “Was so enjoyable
I’m coming back for more.” “Great
people, great snow, great experience.”
“Who’d have thought seniors could have
such a great time!”
– Steve Ward, Group Tour Leader
It doesn’t stop there with a range of tours
that will take you to the slopes in 2018:
POW-der HIGHWAY ESCAPE:
Travel with like-minded people to explore
the amazing slopes of Panorama in
Canada. This resort has all the terrain to
keep you smiling: wide groomed cruisers,
glade skiing, plus hot pools and a vibrant
village atmosphere.
JAPOW WOW!
Be wowed by Japan! Enjoy incredible skiing
with beautifully groomed slopes, legendary
tree runs and soft powder snow
- all shared with travel buddies and two
experienced tour guides staying in the vibrant
town of Niseko.
COLORADO CRUSADE:
Explore the best of the Colorado Rockies
on the slopes of Winter Park and Copper
Mountain resorts! This group tour promises
plenty of fun with up to 12 days of
amazing skiing.
With a passion for snow, sport and active
travel, the active travel experts at
travel&co have personally skied and
boarded these amazing ski resorts.
To learn more about our group tours call
NZ Toll Free 0800 555 035 or visit www.
travelandco.nz/group/group-ski-board/

52
NZ GREYPOWER MAGAZINE » SEPTEMBER 2017
English Country Tours will fulfil your travel dreams
The joys of travel are so wonderful
and good for the soul and yet as
we all know before we get there
the spadework we need to do to ensure
we visit the places we want to go is
considerable.
When you turn it into a hobby as I
have and attempt to organise 3-4 tours
in a year I can imagine that to some the
spadework would be overwhelming.
One of the things I have always had difficulty
with is keeping my website up-to-date.
Let the Scenery Unravel
with Twilight Travel
Small Group Tour Specialist
Chatham Islands
Getaway on an adventure to the Chathams.
Staying 7 nights at Awarakau Lodge, explore the
diverse landscape and discover the history,
heritage and culture of the these peaceful and
unique islands with your Chatham Island hosts.
2018 Departures
Ex. Wellington : 19 January & 21 February
Ex. Auckland : 1 February & 19 April
Catlins & Stewart Island
Explore the ‘Wild South’ from Dunedin to
Stewart Island via the rugged Catlins region.
Highlights include Albatross Centre, Ulva Island
and 3 nights Stewart Island.
9 days departs 20 March 2018
Taranaki Rhododendron Festival
Coach from Auckland/Hamilton to Taranaki’s
Garden Spectacular. Visit a variety of private
gardens from compact small town sections to
large country estates. Includes Pukeiti, Crosshills
Garden and a night at the Grand Chateau.
6 days departs 30 October 2017
All tours are escorted from Auckland.
Options from other regions available.
Twilight Travel & Tours
Freephone: 0800 999 887
www.twilighttravel.co.nz
Twilight Travel & Tours, an approved broker of the Travel Managers Group -
IATA Accredited and Bonded
When you operate as a one man band as
I do, everything tends to be done on a shoestring
budget.
Good accommodation and tour context
has always been at the top of my priority
list and the number of people who have
come on second or third tours leaves me
confident that I am right to do this.
At last I have found someone who has
agreed to overhaul and update my website
and I believe this can be done by mid
September 2017.
Finally my website will have some real
meaning for those who choose to visit it.
In an earlier editorial I spoke of my experience
with travel insurance.
I reported that I was happy with the
final result.
The only warning I give, is that you
should not expect to be able to include the
cost of your travel insurance policy in any
claim as I have been told they do not accept
this as a legitimate part of your reason
for your claim.
As many folk know I have taken many
people on my English Country Cottage
Tours since 1990.
That first tour was started in collaboration
with Brian McCrory from the House
of Travel.
A little earlier this year, Brian asked me
if I could help him with a tour of England
that he and his wife are planning in 2018.
I was only too pleased to do this as he has
always supported me in my small tours.
D5454J
Dream Tours
www.dreamtours.co.nz
APRIL / MAY 2018
English Country Cottage Tour
SEPTEMBER 2018
Route 66
FEBRUARY 2018
New Orleans (Mardi Gras), Florida and the
Caribbean with an optional extra to
Yucatan Peninsula
Contact Don 03-381-1694
dontours@xtra.co.nz
Sydney Stayput 2018
Featuring Puccini’s La Bohème opera
ESCORTED TOURS
Nelmac Garden
Marlborough festival
POWERCO Taranaki
Rhododendron Festival
5 days departs 8 Apr 2018 – $2,999pp share twin 5 days departs 9 Nov 2017 – $2,599pp share twin 5 days departs 02 Nov 2017 – $1899 share twin
Join us to be part of this incredible spectacle on Sydney Harbour!
The costumes, the stage set on the shimmering harbour, the
fireworks and the wonderful music of this Bohemian love story.
We stay at the 5* Shangri la with all breakfasts and dinners
included – High tea with a glass of bubbles, and a farewell
sunset cruise on the Harbour – limited seats.
DON’T MISS OUT
Fly to Blenheim, stay Picton overlooking The Sounds. 3 nights
Marlborough - Vintners Hotel - luxury amongst the vines!
Enjoy 3 days of garden visits featuring diverse garden themes,
gorgeous scenery and fabulous garden art. All breakfast &
dinners and most lunches. Visit to Christmas Shoppe and lunch
at Wither Hills Winery. Lots of inclusions! Free home pickup &
return Auckland/Wellington/Christchurch* conditions apply
Coach from Auckland to New Plymouth (3 nights) new Novotel
hotel, all breakfasts & Dinners, Enjoy visits to A variety of
Festival Gardens, Len Lye Gallery, Incredible Tawhiti Museum,
Scenic Forgotten highway with lunch At the Whangamomona
Hotel. Overnight at the iconic Chateau Tongariro and via
Hamilton gardens to Auckland. Free home pick up & return
in Auckland* conditions apply
Tasmanian Tempter
Adelaide & Murray River
Featuring Kangaroo Island
Treasure of Vietnam
and Cambodia
12 days departs 23 Oct 2017 – $5,799pp share twin 11 days departs 29 Sept 2017 – $5,620pp share twin 13 days departs 04 Nov 2017 – $3,999pp share twin
Join us and enjoy the stunning scenery of this beautiful area of
Australia. Fly to Launceston (2 nights), cruise cataract gorge. See
a Tasmanian devil at East Coast Nature World, Bicheno, beautiful
Freycinet National Park with its jagged pink granite peaks, Hobart (3
nights), harbour cruise, Port Arthur. Includes all breakfasts & dinners
and most lunches. Return airfares from Auckland. Free home pickup
& return Auckland/Wellington/Christchurch* conditions apply
Fly to Adelaide (3 nights). Visit Hahndorf German Village. Join
PS Murray Princess for 4 nights cruising the scenic Murray
River. All meals onboard. Return to Adelaide before joining our
short flight to Kangaroo Island to see seal colonies, Clifford’s
Honey Farm, birds of prey – lunch at a local vineyard. Return
to Adelaide before flying home to Auckland. Free home pickup
& return Auckland/Wellington/Christchurch* conditions apply
Stay in Hanoi, cruise along the UNESCO World Heritage Halong
Bay, stroll the streets of Hoi An, visit the Chu Chi Tunnels, immerse
yourself in Ho Chi Minh City, savour the delights of the Mekong Delta
and take a boat ride from My Tho to BenTree. Marvel at ANGKOR
WAT. Sights in Siem Reap. Includes airfares, accommodation, sights,
breakfasts, most dinners, English speaking guide. Free home pickup
& return Auckland/Wellington/Christchurch* conditions apply
Check out our cruise prices – we can beat most offers. Phone our office for details.
SUPREME TOURS & TRAVEL LTD 54 Wellesley St, Auckland City
Freephone: 0800 809 300 • Phone: 09 309 9822 • Email: statltd@xtra.co.nz • www.supremetoursandtravel.com
TAANZ bonded for your protection and member of Iata

NZ GREYPOWER MAGAZINE » SEPTEMBER 2017 53
If you haven’t done it yet…
this is a must for your bucket list
Waitomo 4x4 ATV farm
tours offer you the chance
to experience some
of New Zealand’s rich
pioneering heritage with
a touch of modern day
reality thrown in.
Safely strapped into the specially
designed Yamaha Viking 4WD all
weather ATV vehicles you’ll travel
across high country contours, stopping
from time to time to learn key elements of
Kiwi farming systems.
Your leader was brought up on a King
Country farm and while spending most
of his life to date marketing and servicing
tractors in the region, he has taken the opportunity
to visit many beautiful places.
This has made him more determined
to share his knowledge giving you the
opportunity to visit modern day sheep
and beef farms as well as checking out a
pioneer saw milling, with village attached,
and dairy farms.
These escorted tours are achieved in
comfort on the work safety approved all
terrain Vikings.
They also include gorgeous country
gardens, a visit to a museum and watching
bullocks at work in the old traditional
style.
There are several boutique packages
included in the Waitomo ATV Farm
Tours brochure.
As well as the farm tours you can visit
the site of the filming of one of the Hobbit
movies, a modern rotary dairy shed, Te
Kuiti township itself which Includes Sir
Colin Meads’ statue and gallery.
A blacksmith museum will give you a true
insight into how things were crafted back in
the day…apart from just horse shoes.
These boutique packages are designed
for those of you who would love to take in
the beauty of the back country with ease
and in comfort.
Check out the details at:
www.waitomofarmtours.co.nz
email: booknow@farmtours.co.nz
Ph: Allan 0272 022808
PH: FRED 0274 713 856
OUR TOURS
Our tours showcase some of the best scenery in the world. Join
us for a short trip as you pass through Waitomo or for a 1 or 2 day
adventure into the heart of the King Country.
WAITOMO • PIOPIO • WAIMIHA
Check out our website for more information
www.waitomofarmtours.co.nz
Ph: Allan 0272 022808 | Ph: FRED 0274 713 856
BOUTIQUE RAIL & COACH TOURS
Australian Tours
Tasmania
Departs 13th March 2018. Visit Port Arthur, Gordon River,
Cradle mountain, Sheffield and much more. 12 nights
$4995.00 per person twin share
Perth and Margaret River
Departs 5th May 2018. Includes Wave Rock, Albany,
Margaret River, Fremantle, Perth, New Norcia and much
more. 12 nights $5995.00 per person twin share.
Cairns and North Queensland
Departs 24th June 2018. Includes Skyrail, Great Barrier
Reef, Daintree, Savannahlander train and more. 11
nights $4995.00 per person.
Adelaide and Murray River
Departs 23rd May 2018. Includes two nights on the
Murray River, Barossa wineries, Handorf and more. 7
nights $3795.00 per person.
New Zealand Tours
South Island Autumn Spectacular
Departs 5th April 2018. Includes Tranz Alpine train, Treetop walk, Fox Glacier, Milford
Cruise, TSS Earnslaw plus more. High Quality accommodation including Novotel
Lakefront Queenstown, Hermitage Mt Cook and the brand new Crowne Plaza
Christchurch. 11 days, $3750.00 per person Twin Share**
** Also 17 and 23 day full New Zealand tours available
Discover Marlborough
Departs 14th November 2017. Includes Molesworth, Mailboat in Sounds and Omaka
Aviation Centre as well as Wine Tasting. Stay all 4 nights in one hotel, the Scenic
Marlborough. $2095.00 per person twin share.
Stewart Island, Queenstown and Catlins
Departs 20th January 2018. Includes Queenstown, TSS Earnslaw, Stewart Island, Ulva
Island and Catlins Coast. Days, $2995.00 per person.
Hokianga and Far North
Departs 20th April 2018. Includes Hokianga, Opononi, Paihia, Waitangi and Cape
Reinga plus more. 7 days, $2250.00 per person.
Contact us now for an itinerary for these great tours or to join our mailing list P: 0800 446 886
For further information call Reid Tours on 0800 446 886 • www.reidtours.com • info@reidtours.com
D4346J

54
NZ GREYPOWER MAGAZINE » SEPTEMBER 2017
South Island Discovery Tours
Quality small group in depth
discovery or rediscovery
tours to different regions
of the South Island.
Be nostalgic and take a trip down
memory lane or see places you
have always wanted to visit, we
have a tour to cover most of the interesting
places but you are always welcome to
make requests.
Friendly drivers, great food, comfort-
ESCORTED TOURS 2017/18
"Complete hassle-free travel, with home
pickup & return (Auckland), quality hotels, meals, &
sightseeing fees (as specified)."
• TASMANIA & MELBOURNE
12 Days, depart 12 November. A scenic
springtime coach tour of Tasmania plus
Melbourne stopover.
• NEW ZEALAND CHRISTMAS TOURS
Join one of our special local Christmas
Tours to the Far North/Bay of Islands &
Central Otago/Dunedin.
• NAPIER ART DECO TOUR
5 Days, depart 15 February. Enjoy New
Zealand’s celebration of the Art Deco style
in Napier. A unique and fun event!
• BEST OF THE SOUTH ISLAND TOUR
15 Days, depart 07 April. The best
southern highlights featuring Mt. Cook, The
Catlins, Stewart Island & Milford Sound,
Queenstown, Wanaka and Franz Josef.
• ARABIAN SEA & SUEZ CANAL CRUISE
30 Days, depart 15 April. Includes a
fantastic 15 night Celebrity cruise from Abu
Dhabi to Rome via the Suez Canal.
• QUEENSTOWN ‘AUTUMN MAGIC’
6 Days, depart 18 April. Includes Central
Otago sightseeing & Arrowtown ‘Autumn
Festival’ activities.
• BEST OF THE BRITISH ISLES CRUISE
26 Days, depart 02 July. Enjoy a fantastic
12 night British Isles Cruise plus a coach
tour of Southern England.
• ALASKA & CANADIAN ROCKIES
21 Days, depart 08 August. Enjoy a
Canadian rockies highlights rail tour, a 7
night Alaska inside passage cruise and
stopovers in Victoria & Vancouver.
able accommodation and comfortable
vehicles lead our tours.
Choose from itineraries like:
Stewart Island, Milford Sound and
Catlins
Visit the Otago Peninsula Albatross colony,
Larnach Castle, stay in the heart of
the Catlins and enjoy a guided tour of
the iconic coastline and waterfalls, fly to
Stewart Island for a two-night stay and
visit Ulva Island on a guided tour, stay in
Te Anau, see the glow worms and enjoy a
Milford Sound Cruise.
Golden Bay Art and Farewell Spit
A lovely summer tour, to explore and discover
the nature, art and scenery of Golden
Bay, 5 days/4 nights, including visiting
local artists, Farewell Spit Tour and an
Abel Tasman boat cruise.
Molesworth Station and Upper
West Coast
Discover Molesworth Station and the Upper
West Coast highlights & history. Visit
the Oparara Caves, Denniston, relive the
gold rush days, see the wild coastlines,
and enjoy the Tranz Alpine Train Journey
from Greymouth to Christchurch.
Molesworth Station Heritage and
Homestead
A lovely four-day tour, where you can meet
local farmers, visit homesteads and gardens,
stay in heritage accommodation for
one night as well as discovering the majestic
Molesworth Station. Wonderful history,
all accommodation and meals included.
Small group numbers, great food and
comfortable accommodation
For more full details please contact:
The Molesworth Tour Company
Phone 03 5728025
Mobile 0275351955
Email info@molesworthtours.co.nz
www.molesworthtours.co.nz
For full details
Freephone 0800 11 60 60
www.travelwiseholidays.co.nz
D7020J
Small Group South Island
Discovery Tours for Seniors
Quality small group in depth discovery or rediscovery tours to different
regions of the South Island. Be nostalgic and take a trip down memory
lane or see places you have always wanted to visit, Friendly drivers,
great food, comfortable accommodation and comfortable vehicles.
OTHER TOURS AVAILABLE:
• Stewart Island Catlins & Southern Explorer Tour Oct 16-22
• Art in a Garden, Christmas Fete, Molesworth & Spring Gardens Oct 25-28
• Molesworth Spring Heritage & Homesteads Nov 27-30
• Golden Bay Art & Farewell Spit Tour Feb 21-25
• Molesworth & Upper Westcoast Tour Feb 13-19
• Southern Lakes Autumn Colours Tour April 17-22
• Molesworth Two Day Experience Tour on request
• Molesworth Autumn Heritage & Homestead Tour April 9-12
• Stewart Island Catlins & Southern Explorer Tour May 14-20
• Buff Oyster Festival & Catlins Tour May 24-27
FOR MORE DETAILS PLEASE CONTACT THE MOLESWORTH TOUR COMPANY.
Phone: 03 572 8025 | Email: info@molesworthtours.co.nz
www.molesworthtours.co.nz
D2852J
Almost every traveller wishes a tour to be
a golden opportunity to learn not only
about a country’s culture & history but
also to experience the delights of the local
food & wine while enjoying comfortable
transportation & other amenities to ensure
a completely stress-free holiday. This is
particularly true when you choose to use
Leisure Time Tours for your next holiday
whether it be around New Zealand or
across the world.
Contact us today for more information
0800 365 630
info@lttnz.co.nz
www.leisuretimetours.co.nz
Current Tours
Wearable Arts - October
Lake Waikaremoana/Gentle Annie -
October
Taranaki/Scenic West Coast - October
Forgotten World - November
Christmas & New Year - December
Gisborne - January
Great Barrier Island - February
Art Deco Weekend - February
Nelson & Farewell Spit - March
Kapiti Island - March
Warbirds over Wanaka - March
South Island Autumn Tour - April
Plus many more. Call today for our
holiday guide!

NZ GREYPOWER MAGAZINE » SEPTEMBER 2017 55
Playaway Tours (NZ) Ltd
LEADERS IN QUALITY ESCORTED OVERSEAS TOURS
2 White St, Taradale • P.O. Box 7123, Taradale • Napier, New Zealand
0800 12 86 87 • Email: pt@nowmail.co.nz
ENQUIRE NOW ABOUT OUR 2018 TOURS
SUPER DESTINATIONS - SAME GREAT VALUE
ITALIAN MASTERPIECE
with Med dream cruise
32 Days
June 2018
PANAMA CANAL
via Hawaii & US
31 Days
Oct/Nov 2018
EASTERN US/CANADA
& Atlantic Coast cruise
31 Days
June/July 2018
SUNNY SOUTHERN
EUROPE
& Iceland/Norway cruise
32 Days, July 2018
A fabulous look around
the country gems of Italy.
Tuscany, Cinque Terre, Italian
Riviera, Italian Lakes (Maggiore,
Como, Garda), the gourmet
province of Cuneo, Verona, the
cruise visits Greek Islands, Croatia,
Albania, Malta, Sicily, Naples,
Rome.
Hawaii breaks the journey -
Waikiki, the Volcanoes of the Big
Island. Las Vegas, Grand Canyon,
French Quarter New Orleans,
Louisiana, South Beach, Miami and
Florida wetlands. Cruise completes
full traverse of the Panama Canal.
Cartagena, Colombia, Colon,
Puntarenas, Costa Rica, two
Mexican ports and San Diego.
A tour of exciting and
unbelievable variety.
Houston Space Centre, a great jaunt
through the Southern States with fun
musical treats at Memphis and Nashville,
the seat of power - Washington DC,
The Big Apple, New York, quaint
and historic Newport, Rhode Island,
Boston. Cruise visits New England, the
Maritimes and French Canadian ports,
Quebec, Montreal. Ottawa, Toronto,
Niagara Falls, Vancouver.
The North and South of
Europe.
Sunny sophisticated Barcelona,
medieval Carcassonne, canal Du Midi,
Languedoc and Roussillon provinces,
the spectacular Tarn Gorges, Chateau
stay, Avignon, Arles, and Les Baux
de Provence, Annecy, Chamonix
in the Alps. Fabulous cruise from
Amsterdam, Scottish Highlands,
circumnavigation of Iceland,
Norwegian Fjords.
Brochures are ready right now! Look for ‘early bird’ discounts
• Specially Designed For The Over 50’S
• Mainly 2 & 3 Night Stays
• Top Class Hotels
• Client References Available
SOUTH AMERICA
The Great Exploration
& cruise
33 Days, Nov 2018
• Hard To Beat For Value
• Many Exciting Excursions
• No Tipping For Guides And Drivers
CHINA & S.E. ASIA
‘Unusual Suspects’ tour
with 7 day cruise
25 Days, Aug 2018
AFRICA
The Beauty & the Beasts
22 Days
Aug/Sept 2018
• All Flights, Sights & Activities Included
• Fully Escorted Throughout
• Smaller Groups
• Great Kiwi Companions
SPAIN PORTUGAL
HOLLAND &
luxury Baltic Explorer cruise
35 Days, July/Aug 2018
A magical odyssey to the
most dramatic and exciting
gems of the continent.
Amazing Iguazu Falls, Brazil/
Argentina, the Sacred Valley of the
Incas and Machu Picchu, Cuzco,
Peru. Quito, Ecuador, Jungle Lodge,
Amazon Basin, Santiago, Chile.
Cruise visits ports in Southern Chile,
Patagonia Fjords, Strait of Magellan,
Ushuaia, Cape Horn, Falkland Islands,
Montevideo and Buenos Aires.
This tour accents the less
visited beautiful scenic areas
of China’s interior.
Beijing, Great Wall, Forbidden
City etc., Shangri La, Yunnan/
Tibet, Lijiang, Tiger Leaping Gorge,
ethnic tribes, Chengdu, Pandas,
Leshan Buddha, Guilin, Li River
trip. Cruise departs Hong Kong to
Viet Nam (two ports), Bangkok,
Singapore.
A wonderful trip to see a
vast array of majestic animals
and beautiful scenery.
An overnight stop-over in Perth.
Nelspruit, Hazyview, two safaris
in Kruger Park, Knysna, Garden
Route, Oudtshoorn, Little Karoo,
Hermanus, Whale Coast, Cape
Town, Livingston, Zambia, Victoria
Falls, Zambezi River, Chobe
National Park Safaris, Pretoria.
TO RECEIVE OUR DETAILED COLOURED BROCHURES
CALL 0800 12 86 87 or ORDER FROM OUR WEBSITE
www.playawaytours.co.nz
An Iberian idyll, a Dutch jaunt
and a peep at Scandinavia,
Russia and the Baltic States.
Trendy Barcelona, sunny Seville and
Andalusia, charming Faro, historic
and colourful Lisbon, vineyards and
fun in Porto. The uniqueness of stylish
Amsterdam. Cruise visits Copenhagen,
Ronne, Denmark, Kaliningrad,
Klaipeda, Lithuania, Riga, Latvia, Tallin,
Estonia, St Petersburg, Russia, Helsinki,
Finland and Kiel Canal, Germany.

56
NZ GREYPOWER MAGAZINE » SEPTEMBER 2017
WINNER
ANNOUNCED
No more
power bills for
Pulse Energy’s
prize-winner
One lucky North Island family will never
receive another power bill again, thanks
to Pulse Energy. They were among the
21,000 households who completed
this year’s Great New Zealand Energy
Survey. Everyone taking part had a shot
at winning free Energy For Life, and they
were stunned to claim the incredible,
money-saving prize.
We couldn’t believe we’d won
something so life changing,” say the
thrilled family. “Our current rental is so
cold with no insulation and we can’t
afford to run heaters here. This is going
to make a huge difference to us, and now
we’ll be able to put our power savings
into a house fund; a step closer to
owning our own warm, dry home for our
children. Thank you Pulse Energy from
the bottom of our hearts!
Pulse Energy is an innovative company
that offers low cost electricity, price
protection and bills that make sense so
customers know exactly what they are
paying for. The Great New Zealand Energy
Survey is the only one of its kind and
gives the Pulse team valuable insights
into how to better serve households
around the country. Pulse Energy will also
share the results with everyone who took
part and these will be out very soon.
How people are switching
electricity retailers
2014 2017 2014 2017 2014 2017
23% 38%
47%
35% 20% 9%
WEBSITE PHONE AT HOME
IF ELECTRIC VEHICLES
WERE THE SAME PRICE
AS OTHER CARS,
86 % would
buy one
the next time they
bought a car
In addition to a good price,
57 % of
32 %
Your electricity
price has
charges for
energy, metering,
lines, transmission,
administration and
government fees.
RESULTS SHOWED
that people still prefer
to see charges broken
down on the bill
80 %
76 %
in 2017
with
respondents
see brand values and product
features as important.
stated
price is the only thing
they care about
27 %
difficult
15 %
SWITCHING
is time consuming and
AND
in 2014
believe
have never switched
21,131
5 % use SOLAR
PANELS
TO SAVE
ENERGY
compared to
2% in 2014
39 %
are very
active in trying to
reduce
household energy consumption
35 %
AND
12 %
54 %
wash clothes
after 10pm
to save money on electricity
and
are
prepared to
3 %
Service
indicated
they would
cook after
10pm too
Price
and
Customer
remain the two
most important
qualities people look for in an
electricity retailer
93% indictating price
with and 79% customer service
49 %
SURVEY RESULTS
REVEALED
were very
satisfied
with their current electricity retailer
said
SOLAR PANELS
in the future
indicated
they were
dissatisfied
solar panels were
AND IF
and the
FREE
remained
68 % the same
THEY
WILL
USE
energy price
SAID THEY
WOULD
WANT SOLAR
NEW ZEALANDERS
completed the
survey
80 % use
LIGHT BULBS
compared to 29% in 2014
48 %
Energy
Efficient
would prefer a price
fixed
WHICH
WAS
for a number of years
compared to only
5% preferring one
which could change
every hour
45 %
into a contract
and
not being
locked
are enjoying
12 %
are
unsure
ONE
in
THREE
see local ownership
AS AN
quality
important
they look
for in an
electricity retailer
68 %
believe
prompt payment
discount
is a discount for paying on time
AND
21 %
it is a penalty for paying late
believe