Forward 50: February 19, 2016

50+ LIFESTYLE MAGAZINE
FEBRUARY/MARCH 2016
FORWARD 50
NORFOLK’S
DIVERSITY
HIGH TEA
AT HOME
LIVING THE
GOOD LIFE
FASHION • BEAUTY • HOME • GARDENING • CUISINE • TRAVEL • MOTORING

TRAVEL
FORWARD 50
february/March 2016
3
Norfolk’s island paradise
For an island escape that’s unexpectedly diverse and not at all a predictable tourist trap,
Diana Noonan reveals the hidden treasures Norfolk Island has to offer
for a holiday in the sun.
There’s a myth circulating about Norfolk
Island and I want to dispel it. An adventurous
traveller since I was first able to carry a
pack, and a slow-foodie to boot, I have, until
recently, shied away from this so-called
tame and middle-class island. However, as I
discovered on a recent visit to the subtropical
paradise, the loss has been all mine.
With a population of just over 2000, together
with a hilly terrain comprising an intriguing
combination of bush trails, wild, cliff-edged
coast and tranquil swimming bays, there’s
no limit to what Norfolk can offer – even in
a single day. If you’re a runner, walker or a
fit cyclist, the quiet roads dotted with docile
cattle grazing the verges (they have right of
way) is simply made for exercise in the great
outdoors. If you prefer a rental car to take you
around the 8 x 5 kilometre island, you’ll find
one is almost always available when you book
your accommodation.
A natural history buff, I first checked out
the botanic gardens and national park (flora
is a little bit Kiwi, a little bit Aussie, depending
on which side of the hill you’re standing), and
then I decided to get up close to the local
economy and way of life by taking a tour of
The Hilli Goat Farm. Organic gardening and
cheese making, Norfolk Island style, are the
order of the day there, and Emily Ryves, whose
business venture the farm is, was quite happy
for me to stroll round the family orchard and
veggie garden while she fixed me a platter of
her own produce.
The World Heritage Site at Kingston - once a
grim British penal colony - was right below my
accommodation at Kentia Holiday Apartments
so I trekked down the hill on foot one morning
before the rest of the world was up, or so I
thought, and soaked up the history offered
by a stroll through the old graveyard. The
road lined with the magnificently preserved
Georgian architecture buildings faced
solemnly over an expansive view of the Pacific
Ocean. On my way to see them, I met several
locals out for their morning exercise who were
happy to stop for a chat. Norfolk Islanders
are like that – friendly and relaxed, and as
comfortable with visitors as they are with
themselves. Later in the day I returned to the
historic site to visit the several museums there,
all within easy walking distance of each other.
What I like most about Norfolk Island,
apart from the fresh organic produce for sale
outside various shops in the village (be sure
to take coins for the honesty boxes!) is the
sheer variety the place has to offer. History in
the morning, snorkeling in the lagoon in the
afternoon (wet suits for hire along with guide
if you don’t want to do this independently, or a
glass bottomed boat tour if you prefer), then a
tiki tour to some of the local liquor specialists
for a little treat.
I enjoyed a casual tasting session at Norfolk
Island Liqueurs (a bottle of the locally made
macadamia liqueur is recommended) then
sampled a few of the wines on offer at Two
Chimneys Vineyard, where I wished I had space
in my pack for a whole crate of the Sparkling
Chambourcin.
Air New Zealand flies once a week to Norfolk
and although returning earlier via Brisbane
would be an option if you wanted a little
shopping and a city fix on your way home, I
wouldn’t want to spend any less than seven
days on the island. A week gives you time to
relax, do your own thing and still have time
to take in a tour or two. I highly recommend
a squiz at the late Colleen McCullough’s
luxurious home for its supremely eclectic
décor, and if you miss out on dining at The
Hilli and Norfolk Blue restaurants, both of
which offer sophisticated menus, you’re doing
yourself a disservice. But, most of all, a week
on Norfolk is what you want if you’re serious
about ‘going hilli’ – that’s Norfolk Island speak
for ‘chilling out’.
Far from tame or middle-class, Norfolk Island
is a hundred destinations in one with a host
of experiences as diverse from each other as
it’s possible to imagine. What’s even more
intriguing about this patch of paradise is how
the Norfolk Islanders themselves manage to
team their ‘hilli’ approach to life with a topquality
service that any visitor to the island is
unlikely to forget.
Diana Noonan travelled to Norfolk Island
courtesy of Air New Zealand.
With its hilly terrain comprising an intriguing
combination of bush trails, wild, cliff-edged coast
and tranquil swimming bays, there’s no limit to
what Norfolk can offer.
Norfolk Island Government Tourist Bureau

FORWARD 50
4 February/march 2016
gARDening
Replacing large, expansive gardens with a rolling carpet
of lawn will significantly reduce garden maintenance, as
will paving or decking areas which you can use to relax
and enjoy your outdoor areas more.
Gardening made easy
Those of us with green fingers know only too well the joys gardening can bring, but as we grow older maintaining our
gardens seems to be more of a chore than a pleasure. Local landscape designer Craig Wilson shares a few
helpful suggestions to help you get the most out of your outdoor areas with minimal fuss.
If your gardening experience is taking
more time to care for than you have time
to relax and enjoy it, then it may be time to
consider implementing some clever
energy-saving solutions.
If you’ve enjoyed gardening over the years
the question becomes how to maintain all
the colour, form and life of a real garden
without expending needless amounts of
time and energy. If you find yourself in this
position there are a few handy hints worth
considering.
One of the obvious difficulties as we grow
older, especially when gardening, is the
problem our achy muscles and creaky bones
cause us. Bending over and crouching close
to the ground is either too painful or
near to impossible. By introducing a few
raised planters, you will reduce stress on
your body.
Not only will the raised height mean less
bending over harvesting veggies and doing
the weeding, but also the extra height will
maximise visual impact on your planting
of choice.
As your planters are being built (timber
sleepers and plastered concrete block
make good construction materials), you
can backfill them with organic rich growing
media, which is extremely useful in areas
that have naturally poor soil.
Reduce the need for laborious weeding by
changing the composition of your plantings
to include more evergreen ground cover.
Once a total ground cover is established,
weeds will have been overtaken by the new
plantings while creating a full, lush look.
By reducing deciduous species, you will
also cut down on the amount of pruning
and leaf clean up. Instead you may like
to try the likes of Heuchera, Lomandra,
Trachelospermum or Mondo grass to
achieve this.
Another great way to reduce the need
for weeding is to finish garden beds with a
generous layer of mulch or fine bark
while it helps retain valuable moisture in
warmer weather.
If your budget allows, increasing the
amount of paving will result in less lawn
or beds to tend to. This may even enable
you to extend an outdoor living space to
accommodate a new seating arrangement
or an outdoor dining table and chairs.
In a larger area that has had extensive
gardens, consider reducing garden bed
width, and maybe even remove garden
beds altogether in favour of lawn. This
simplification of your space can also
produce a greater visual sense of tranquility.
As you begin to implement some of these
suggestions, you will find more time to
enjoy your outdoor spaces and less
time labouring.
Call Craig Wilson at FORM Garden Architecture on 03 981 7503, or visit www.form.net.nz for expert landscaping and garden design.
Stairlifts
Burwood Hospital
New facilities opening mid-June 2016
0800 92 66 77
Free phone
Email
info@independence.co.nz
Website
www.independence.co.nz
UP AND DOWN WITH EASE
Climbing your stairs need never be a problem again.
We can install a Stannah Stairlift that will ensure you
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2011
Some services and hospital wards (mainly for older people)
will move from The Princess Margaret Hospital to brand-new
facilities at Burwood from June 2016.
When complete, the new facilities at
Burwood Hospital will include 230
inpatient beds. It will manage 80,000
outpatient visits every year. The
hospital will also feature:
• A new ‘front of house’ area,
including a new main entrance,
café and reception
• An extended radiology department
• A new wing for older persons’
mental health
• Large car parking area for staff,
patients and visitors
• A new ‘back of house’ area
comprising a new hospital kitchen,
clean and dirty docks, a supply and
distribution area and the plant to
support these areas
• A new environmentally-friendly boiler
house that runs on wood waste
• Landscaped grounds and
new signage.
For more information
cdhb.health.nz

FORWARD 50
cuisine february/march 2016
5
High tea, anyone?
Will Torrent is back with a new book, Afternoon Tea at Home, which showcases his award-winning
chefing and pâtisserie techniques in 80 beautifully illustrated recipes, so you too can treat your guests to an
array of mouth-watering, bite-sized morsels like these fruited scones served at The Ritz.
Afternoon tea has been around since the
1800s and was traditionally served between
the hours of 4pm and 7pm, however these
days, most establishments prefer to serve
afternoon tea from lunchtime onwards, and
continue until it’s time to begin their evening
dinner service.
With the rise in popularity of tea drinking
in the 19th century, it is said that Anna, the
seventh Duchess of Bedford, and other ladies
of the upper social classes would get a little
peckish ahead of dinner. The solution was
to have a cup of tea and a light snack midafternoon
to keep the hunger pangs at bay.
This soon became part of a daily routine
and the Duchess began to invite friends to
the house to join her for refreshment, and
the rest, as they say, is history. However, it
was thanks to Queen Victoria that afternoon
tea came to be the more formal affair we
enjoy today. During her reign, tea service
became increasingly grand and enjoying
the ritual in the country’s celebrated dining
rooms held social status. Etiquette played a
big part, from the dress code to the way that
tea was poured and stirred.
Today there are no strict rules when
serving an afternoon tea, but traditionally
it will consist of an ornate three-tiered cake
stand displaying a selection of dainty finger
sandwiches and other small savouries, warm
scones with accompanying pots of clotted
cream and preserves, and a variety of visually
appealing bite-size cakes and pastries.
Accompanied by your choice of a pot of
freshly brewed loose-leaf tea, usually Earl
Grey, Darjeeling and Assam are offered.
The Ritz in London has been serving
afternoon tea since it opened its doors in
1906 and still remains the place to go for a
quintessentially British afternoon tea. Last
year alone, over 14,000 guests took tea in the
glamorous setting of The Palm Court where
an incredible 1200 scones are made and
served everyday. So popular are they that
they have never left the menu.
FRUITED SCONES
Put the flour, sugar, baking powder, salt and butter in a large
mixing bowl. Mix together with your fingertips to the consistency
of fine breadcrumbs. Add the buttermilk and gently stir to combine
until a dough forms. Add the raisins and knead lightly to spread
them throughout the dough. Don’t overwork the dough – the less
you work it the more light and fluffy the scones will be. Cover the
bowl and set aside to rest for 10 minutes. This allows the dough to
relax to avoid toughness.
Turn the dough out onto a lightly floured work surface and roll
out to a thickness of 1cm / 3⁄8inch. Stamp out rounds using the
cookie cutter, turn them over and arrange on the prepared baking
sheet. Bring any scraps of dough together, re-roll and stamp out as
many rounds as you can.
Brush the tops of each round with a little beaten egg to glaze.
Cover the sheets with a clean kitchen cloth and set aside in a
warm place to rise and prove for 30 minutes.
Preheat the oven to 160°C (325°F) Gas 3.
Bake the scones in the preheated oven for about 30 minutes
until a skewer inserted into the middle of a scone comes out clean.
Transfer to a wire rack to cool.
Serve warm or cold with jam and clotted cream on the side.
INGREDIENTS
400g strong flour
60g caster sugar
30g baking powder
A small pinch of salt
60g butter
250ml buttermilk
100g raisins
1 beaten egg, for glazing
TO SERVE
Good-quality jam of your choosing
Clotted cream
A 5cm/2inch round cookie cutter
A baking sheet lined with
baking parchment
MAKES
24
Recipe and edited excerpt from Afternoon Tea
at Home by Will Torrent, photography by Matt
Russell, is published by Ryland Peters & Small,
distributed in New Zealand by Bookreps NZ Ltd.

FORWARD 50
6 February/March 2016
home
The
Good Life
Take a slower pace of life and discover the joys of selfsufficiency
- from designing your own kitchen garden to
building the perfect fire, to creating rustic interiors - in a new
book by an English couple who have embraced the good life.
The bedrooms at Walnuts Farm are
almost monastic in their simplicity. Bella
likes a room to feel uncluttered, free of
all distraction and therefore conducive
to sleep. When the couple first moved
in they found the peace and quiet
unnerving – no aircraft, no road traffic, no
light pollution – but now they’ve come to
expect it and embrace it.
The two south-facing bedrooms are the
lightest and brightest and perhaps the
most appealing in their aspect, as they
look out across the wildflower meadow
to the mixed native woodland hedgerow
that marks the boundary with the
neighbouring land.
When the pair arrived, one of the first
things Bella did was rip up the pale green
linoleum flooring that ran throughout
the upper floor to discover wonderful
wide oak floor planks, which they painted
black in an attempt to even up the colour
tone of worn, mismatched boards and
whitewash the wooden walls
and ceilings.
In stark contrast to the whitewashed
bedrooms, the dark and cosy sitting room
was inspired by the smoking rooms seen
in traditional English gentlemen’s clubs.
“It is a masculine, pared-back style, which
appeals to us both.”
In the early evening, the fading light
slants across the wooden floor, the fire
crackles as it burns, the beeswax candle
and electric table lamps glow, and the
inglenook fireplace is so deep that you
can comfortably tuck your armchair in
close to the wood burner.
They had the narrow Georgian sofa
reupholstered in chocolate Hungarian
linen to match the dark grey and bitter
chocolate colour scheme, and the floor
is simple painted hardboard, which has
become so scratched and scuffed that it
looks rather like old slate or stone, but has
the advantage that it is warm to walk on.
With only two table lamps and one
standard lamp to cast a dim light, and
they sneakily hide away a postage stampsized
television behind closed doors of a
large built-in cupboard.
Living within Walnuts Farm, the
couple’s natural habitat offers a
wonderful mix of natural finds like birds’
feathers, eggshells, flowers, decorative
branches, pieces of driftwood, birds’ nests
and rabbit skulls unearthed in hedgerows
and ditches. Like their Victorian forebears,
they like to create cabinets of curiosities,
frame objects to transform them into wall
art or arrange them on mantelpieces,
windowsills or tabletops.
Natural discoveries are to be found in
every room of the farmhouse and are
an integral part of what makes Bella and
Nick’s home truly personal.
“Our mantel is decorated with an
eclectic mix of natural objects like the
beautifully made bird’s nest that was
found abandoned in a hedge in the
kitchen garden. We added the handblown
quail’s eggs for fun,” says Bella.
This edited excerpt from The New Homesteader, by Bella
and Nick Ivins, is published by Ryland Peters and Small,
and distributed in New Zealand by Bookreps NZ Ltd.
Available from April 2016.

FORWARD 50
home February/March 2016
7
get the look
Citta Design Acacia Round Chopping Board / Citta Design Rattan Round Coasters / Boråstapeter French Roses Wallpaper from Icon Textiles / Armadillo & Co Flower Weave
Marigold Rug from The Ivy House / Citta Design Bordered Wool Throw in Limestone / Citta Design Cardigan in Blush / Coat Stand / Citta Design Iluminado Lantern /
CenTRe IMAge Citta Design serving boards and crockery

FORWARD 50
8 february/march 2016
entertainment/fashion
Winston’s Birthday
Secrets are revealed, resentments released and new understandings
formed in this fresh and funny perspective on an iconic and larger
than life family.
It’s 1962 – the Beatles have their first hit, James Bond his first film – and Randolph Churchill is
holding a luncheon party to celebrate the 88th birthday of his admired but estranged father.
Sir Winston is a fading force, and there is unfinished business in his loving but dysfunctional
family. Meanwhile, the socially inept Dr Jenkins, a newly appointed research assistant to
Randolph, is pursuing his own agenda and forms a surprising bond with the wily Winston.
Winston’s Birthday is a dynamic mix of comedy and drama that will plunge you deep
behind the façade of Churchill’s family politics during the last years of the great man’s life.
The show is directed by Lara Macgregor who says, “At the heart of Winston’s success is a
craving for his father’s approval. This launched a lifetime course of self-improvement in an
attempt to achieve it. In turn, Winston’s children crave the same approval from him. This play
is a smart and funny imagining of what mending family rifts in pursuit of parental approval
might entail. But as Clementine so aptly states – ‘You cannot mend a lifetime in a lunchtime’ –
watch out, Winston!”
Featuring Hilary Halba, Geoffrey Heath, Jonathan Martin, Yvonne Martin and Roy Snow,
Winston’s Birthday is produced in collaboration between Fortune Theatre and The Court
Theatre by arrangement with Playmarket.
Book now at www.fortunetheatre.co.nz, or call 03 477 8323 today.
Untouchable timeless fashion
For unsurpassed quality and timelessness, Christchurch based ecoconscious
fashion house Untouched World delivers its signature
simplistic beauty once more with its Winter 2016 collections for
men and women.
Clever design means many more ways to wear one piece. Put your wardrobe to work
with effortless multi-tasking garments which can be worn a multitude of different ways.
Folding in an origami-style fashion, body-skimming silhouettes offer every generation
the opportunity to dress elegantly no matter the occasion.
Chunky knits make a comeback for both men and women, while mixed-gauge pieces
and clever knit structures create inspiring textural effects add interest. Fine Merino
layering comes in rich marled shades of ruby and blue with a splash of sunstone peach.
The popular Energy and Slouchy pants for women are introduced in luxurious new
fabrics, and the new Bliss pant offers the guise of a dress pant with all the comfort of a
pair of Merino track pants.
Wrap yourself in a cocoon of warmth and comfort with this season’s winter coats for
men and women that are designed for maximum style and comfort.
Visit www.untouchedworld.co.nz for your nearest stockist.

FORWARD 50
beauty/ history february/march 2016
9
HYDRATE & REFRESH
Treat ageing skin to a daily boost of moisture morning
and night to maintain elasticity and sparkle.
1
Acts of bravery like
those of Sergeant
James Allen Ward VC
bring wartime heroes
to life in a range of
programmes at
Wigrams’s Air
Force Museum.
3
6
2
5
4
People behind the planes
The Air Force Museum is full of memorable personal stories, like
that of James ‘Jimmy’ Ward whose incredible act of heroism made
him the first New Zealand airman to be awarded the Victoria
Cross (VC).
Jimmy joined the RNZAF in July 1940 and after sailing to England, joined No 75 (NZ)
Squadron RAF flying Wellington bombers.
On July 7, 1941, Jimmy was flying as second pilot on a raid on Munster in Germany. On
the way home, a German night fighter attacked the Wellington. Smoke filled the aircraft
and flames spurted near the starboard engine, threatening to engulf the entire wing.
Jimmy volunteered to extinguish the fire. Tying the aircraft’s dingy rope around his
waist, he grabbed a canvas engine cover and squeezed through the astro hatch in the
fuselage roof. With a howling wind tearing at him, he kicked footholds through the fabric
so that he could climb down the side of the fuselage onto the wing.
Lying as flat as his bulky parachute would allow, Jimmy inched his way across the
wing towards the fire with the cover stuffed into his jacket. On reaching the fire, he tried
to smother the flames with the cover. Then, exhausted, he returned to the inside of
the aircraft. The flames gradually died and the Wellington limped home safely. For this
outstanding act of bravery, Jimmy Ward was awarded the Victoria Cross, so becoming
New Zealand’s first ‘air’ VC.
This is just one of the amazing stories that bring the Air Force Museum to life. Enjoy one
of the unique programmes on offer this summer and discover for yourself what makes the
Air Force Museum of New Zealand so special.
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Aveeno Daily Moisturising Lotion 4 Evolu Protective Day Cream SPF15 5 Plantae Flower
Power Bitter Orange Blossom Spritz 6 Clinique Turnaround Revitalizing Serum //
To discover more about the people behind the planes, contact the Public Programmes
Team on 03 343 9504 or email programmes@airforcemuseum.co.nz.
teA
PArtIeS
At tHe
MuSeuM
DISPLAYS guIDeD tourS CAFé & SHoP
Enjoy Dunedin with us
Aaron Lodge TOP 10
• Heated Swimming Pool
• Pentanque Court
• Playground
• Barbeques
• Activities Booking Service
• Reading Room
• TV Lounge
• Spa Pool
• Mini ‘Park Golf’ Course
• Under 5’s Playroom
• Picnic Tables
• Games Tables
• Internet Station
• Laundry
For bookings or info call
our team on 03 343 9504
45 Harvard Ave, Wigram, Christchurch
OPEN DAILY 10am - 5pm airforcemuseum.co.nz
www.aaronlodgetop10.co.nz

FORWARD 50
10 february/march 2016
heAlth
New pain relief study
For those suffering from chronic knee osteoarthritis, help may
well be just around the corner in the form of a new study
conducted by researchers at Otago University.
Osteoarthritis (OA) is a very common
and painful condition. The medicines
currently available for treating OA
pain are not ideal: they are either
inadequately effective or cause
unpleasant or dangerous side effects.
As an increasing number of OA patients
are told their condition is not serious
enough to warrant surgery, or are put
on long surgery wait lists, general
practitioners are left with few options
when it comes to offering patients pain
relief that is effective and safe for
long-term use.
Consequently, some OA sufferers
and their doctors have sought
alternative pain relief alternatives. While
some patients have found relief in
medications like nortriptyline, which has
also been successfully used in treating
chronic pain and neuralgia (nerve pain),
its long-term effects have not yet been
properly tested in clinical trials.
Now there may be a solution in sight
with recent research revealing how
the brain processes pain in OA suffers,
which has opened up the possibility of
using different types of medicines for
this kind of pain.
With new trials being led by Dr
Ben Hudson, a Christchurch GP and
University of Otago lecturer, the
Christchurch Department of General
Practice is trialing nortriptyline for those
suffering from chronic knee pain as
a result of osteoarthritis. If this study
proves successful, nortriptyline may
provide a useful medication option for
knee OA sufferers.
Recruitment of 200 patients is being
sought within the Canterbury region.
Half of the study participants will
receive nortriptyline and the other
half will receive a placebo. Prior to a
participant’s inclusion, the research
nurses will complete a telephone
eligibility test for the study. A more
in-depth eligibility assessment is then
completed at the Christchurch-based
clinic. Once a participant is accepted
into the study, there are two further
follow up visits to the clinic and four
telephone calls over a period of the
14-week study.
Cantabrians interested in taking part in this study or seeking further information,
visit www.otago.ac.nz/nortika or contact the research administrator Alison Parsons
on 03 364 3645 or gpresearch.uoc@otago.ac.nz.
Thinking about pre-arranging
or pre-paying your funeral?
The Lamb & Hayward Funeral Trustee Ltd is
a secure scheme managed by separate Trustees.
Our pre-paid scheme provides peace of mind in knowing
that your funeral details are in good hands, your wishes
have been outlined and recorded, thus ensuring that family
members are aware of your requests, and if pre-paying is
an option for you, that you have made suitable financial
provisions.
a tradition of caring...
BURNSIDE | LINWOOD | RANGIORA
Call today on 0800 992200
to discuss your pre-arrangement
needs or request an information pack.
www.lambandhayward.co.nz
Support and Resources for Independent Living
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purchase
(FroM $210-$230)
or hire
$20
Can we help you or someone you support?
Disability Information Service – a ‘one stop
information service’ which offers unbiased
advice to assist people navigate their way to
organisations or services that can provide them
with support or advice.
Aspire Canterbury Shop – shop online or call in
to our shop at 314 Worcester Street and view our
range of easier living products We also hire out
wheelchairs, ramps and walkers.
Total Mobility Discounted Taxi Service – a scheme
which provides 50% discounts on taxi journeys to
eligible people in the Christchurch area who, due
to health conditions, are unable to access public
transport. Contact us for more information on
03 366 9093 or visit our website.
per week New Mobile Service – Fun interactive presentations
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at numbers below or email mobileservices@
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Aspire Canterbury is a not-for-profit organisation
providing services to the community since 1981
Physical Address:
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Linwood Christchurch
Postal Address:
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Christchurch 8147
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Ph: (Total Mobility) 03 366 9093
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E: admin@aspirecanterbury.org.nz
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FORWARD 50
LAW february/march 2016
11
Should we trust in
Trusts?
To protect our assets and provide for our children long after
we’re gone, Trusts require careful consideration and meticulous
planning with the guidance of sound legal experts to ensure it’s
the right choice for our personal circumstances.
For many years Trusts have been an integral
part of any legal asset protection and
estate management toolbox. However, a
decision to use a Trust to protect your assets
needs to be made not only with a view to
applicable trust law, but increasingly, also in
line with social security law.
A Trust is a relationship where one party
(a Trustee) is under an obligation to hold
property for the benefit of another person
(a Beneficiary). The nature of the obligation
a Trustee has to the Beneficiary will be
determined by the terms of the Trust Deed.
Trusts have historically been used as a
vehicle to protect assets, such as the family
home, and where possible, to preserve
those assets for future generations.
Property is sold to the Trust, and the
resulting debt owed by the Trust is then
gifted away over time. Once gifting is
complete, the Trust Property is protected.
In contrast, the Social Security Act 1964
makes it clear that the purpose of social
security law is to “ensure that…financial
support…is provided to people taking into
account –
(i) that where appropriate they should
use the resources available to them
before seeking financial support
under this Act.”
So while Trusts still have a place in estate
planning and asset protection for some, it
may be that for others, there is in fact merit
in not having assets in a Trust, particularly in
light of social security law and asset tested
benefits.
As such, each situation will need careful
consideration on its own merits. For
example, eligibility for a residential care
subsidy or residential care loan will depend
on what assets you have, any gifting
you may have undertaken in the years
preceding your application and how much
income you and/or your spouse or
partner earns.
The Social Security (Long Term Residential
Care) Regulations 2005 make clear the
level of gifting permitted by the Ministry
of Social Development. Any gift over the
prescribed thresholds will be treated as if
it were an asset still held by the donor and
therefore available to pay the donor’s
care costs.
Therefore it is important that when you
consider forming a Trust, you understand
all the implications of the choices you
make, both now and in the future, and that
you seek sound advice from a team who
understands how this area may impact on
you and your legal requirements.
Trusts continue to provide clients with
a useful mechanism to hold property,
however it is important to seek sound
advice from a team of legal experts who
understand how this area may impact on
you and your legal requirements.
Call Fleur McDonald on 03 352 2293 to arrange an
appointment to discuss your options.

FORWARD 50
february/march 2016
12 pets/puzzle tRAvel
TOP DOG
QUICK PUZZLE NO. 10003
Dogs are certainly man’s best friend, but make
sure you don’t take on more than you can
handle as the years tick by.
PHOTOGRAPHY BY JOHANNA MACDONALD
Once over the middle age hump and heading towards retirement, pets have a wealth of
benefits for your physical and mental health. However, it pays to carefully consider your
options before taking the plunge and save yourself the headache of ending up with a
pet that doesn’t suit your change in pace.
Early on in my parents’ retirement, I strongly suggested they think about introducing
a dog to their empty nest. I had heard about the myriad of benefits and knew it would
help to ward off boredom and inactivity with daily walks with a furry four-legged
companion along the beach or through the forest.
Never having had a dog before, I now realise there were a few important factors they
failed to take into consideration. Having adored labradors all her life, it’s the breed my
mum had her heart set on from the beginning. However, in retrospect I can see that
perhaps a dog with less energy would have been better suited to her age, lifestyle and
personality. Dogs that require a great deal of physical and mental stimulation can be
exhausting, so keep this in mind when researching different breeds and
their characteristics.
Another way to eliminate the laborious and expensive puppy training process is to
opt for an adult dog that has already been put through his paces. Visit local shelters and
rescue groups where you can find the perfect pooch to suit your individual needs.
Pet Pet friendly friendly around
accommodation
New Zealand
around New Zealand
If your family includes a
If your family includes a
If your dog,
dog, family cat,
cat,
bird includes bird or
or
other
other a dog, furry
furry cat, bird
creature or other then furry we creature have some then some
we have good some news good for news you
for you
Pets Can Come Too has a long list of holiday
Pets Can Come Too has a a
homes throughout New Zealand that will give
long list of holiday homes
your whole family a warm welcome
throughout New Zealand
that that will give your whole
family a warm welcome
family warm welcome
Ph 04 293 2705
www.petscancometoo.co.nz
Ph 04 293 2705
www.petscancometoo.co.nz
Ph 04 293 2705
www.petscancometoo.co.nz
ACROSS
ACROSS
1. Informal (13)
8. Circular (5)
1. Informal (13)
8.
9.
Circular
Wine
(5)
(7)
9. Wine (7)
10. Deadly (6)
11. Stone (6)
12. Complete (5)
14. Stop (5)
18. Tower (6)
20. Exaggerate (6)
23. Outline (7)
24. Burdened (5)
25. Irascible (5-8)
10. Deadly (6)
11. Stone (6)
12.
14.
Complete (5)
Stop (5)
18. Tower (6)
20. Exaggerate (6)
23. Outline (7)
24. Burdened (5)
25. Irascible (5-8)
DOwn
DOWN
1. Turbulent (6)
2. Covering (5)
3. Shine (7)
4. Bludgeon (4)
5. Racket (5)
6.
7.
Vehicle (7)
Tremor (6)
13. Hurricane (7)
15. Wrap (7)
16. Rank (6)
17. Connected (6)
19.
21.
Expel (5)
Equestrian (5)
22. Monster (4)
1. Turbulent (6)
2. Covering (5)
3. Shine (7)
4. Bludgeon (4)
5. Racket (5)
6. Vehicle (7)
7. Tremor (6)
13. Hurricane (7)
15. Wrap (7)
16. Rank (6)
17. Connected (6)
19. Expel (5)
21. Equestrian (5)
22. Monster (4)
QUICK PUZZLE NO. 10003 - SOLUTIONS
Across - 1, Unceremonious. 8, Round. 9, Chianti. 10,
Lethal. 11, Pebble. 12, Utter. 14, Cease. 18, Turret. 20,
Overdo. 23, Tracing. 24, Laden. 25, Short-tempered.
Down - 1, Unruly. 2, Crust. 3, Radiate. 4, Mace. 5, Noise.
6, Omnibus. 7, Shiver. 13, Tornado. 15, Envelop. 16,
Status. 17, Joined. 19, Evict. 21, Rider. 22, Ogre.
VERY
EASY
SUDOKU No.2003
7 6
1 3 6 5 9 7
6 4 9
4 6 7 3
8 5 2 4
4 3 9 1
7 4 8
3 7 8 5 4 9
9 1
How to solve
Sudoku!
Fill the grid so that
every row and every
3x3 square contains
the digits 1 to 9
Solution No.2002
7 5 3 9 4 2 1 6 8
8 9 6 1 5 3 4 7 2
2 4 1 6 7 8 5 3 9
1 3 7 8 9 4 2 5 6
9 2 8 5 6 1 7 4 3
4 6 5 3 2 7 9 8 1
3 8 9 7 1 5 6 2 4
6 7 2 4 3 9 8 1 5
5 1 4 2 8 6 3 9 7

FORWaRD 50
health february/march 2016
13
Nutritious, delicious & affordable
Keep it simple with everyday food, is Annabelle Matson’s mantra
when it comes to creating nutritious, budget-friendly meals.
For your
FREE copy of
The Clean Eating
Starter Kit
and to discover more about
Annabelle’s work, visit
www.annabellematson.
com.
Although many superfoods like exotic
acai berries and maca contain high
levels of nutrient or phytochemicals that
offer a myriad of health benefits, such
as strengthening your immune system,
fighting off free radicals, providing energy,
slowing ageing and enhancing your skin
and complexion, there are many more
everyday superfoods that are much
cheaper and often overlooked.
Some of the more affordable alternatives
include berries, nuts, seeds, whole grains,
leafy green vegetables, avocados, fish,
eggs, honey and even dark chocolate, so
there’s no need to fill your cupboards with
expensive and harder-to-find specialty
ingredients to eat well.
For as little as $4, the following six
foods are commonly available at your
local supermarket to enable you to create
nutritious and delicious meals that won’t
break the bank.
OATS
High in fibre, oats are not only really
cheap, but they will fill you up. A versatile
breakfast idea, homemade granola is easy
to prepare and what’s more, you can tailor
make it to include your favourite nuts,
seeds and dried fruits, without any nasty
preservatives. For optimal nutrition buy
whole oats, not the quick variety.
LENTILS
Not just for vegetarians, lentils can
be prepared in a variety of ways with
tantalising ingredient combinations.
Packed full of fibre and protein, they are
not only a great meat substitute, but save
money, too. Use as a thickener in curries
and stews by simply replacing 100g of
meat with 1/4 cup dried lentils. Add lentils
to the sauce and cook for 15 to 20 minutes.
BROWN RICE
A far superior option to white rice as it
hasn’t had its hull and bran removed. This
means it maintains a whole portfolio of
nutrients, is an excellent source of fibre,
keeps you fuller for longer and stabilises
blood sugar levels, which is particularly
important for people with insulin
sensitivity and those trying to lose weight.
Add brown rice to your favourite salad
ingredients to give your normal salad a bit
of oomph, or try my Rainbow Bowl recipe.
Cook more than you need and make quick
and easy homemade sushi the next day.
EGGS
Eggs are such a versatile ingredient
and one that is easy to turn to when
you’re short on time or can’t be bothered
cooking.
Omelettes are a quick and cheap meal
option that you can load up with your
favourite greens, as are eggs on toast with
avocado. Make mini egg muffins by simply
filling muffin tins with veggies and your
favourite herbs, pour in whisked eggs and
bake in the oven until cooked.
Frittatas can be easily be repurposed for
lunch or dinner the next day, so you only
need to cook once and have a meal two or
thee times again.
Free range eggs will cost you roughly
70 cents each, and are even cheaper if you
buy them at your local farmers’ market.
CHICK PEAS
Add nutritional bulk to a range of meals
with these legumes that are super cheap
- especially in bulk - and can be used to
make hummus to add to stir-fries, salads
and stews, or any curry recipe.
SEASONAL FRUIT AND VEGGIES
It is always cheaper to buy your produce
in season, so be mindful of what’s in
season and how far produce has travelled
to get to you. If it is out of season in your
country, it has likely been flown in from
another country, not only increasing cost,
but also reducing its nutritional value
and increasing the likelihood of being
fumigated to retain its freshness.
Of course it’s even cheaper still if you
can grow your own. If you aren’t green
fingered, start by growing herbs on your
windowsill and progress from there.
CREATING FLAVOUR
Making sauces and condiments from scratch
not only guarantees that we are eating all
natural ingredients, it also translates to
big savings.
Annabelle’s favourite flavoursome ingredients:
• All types of vinegar
• Extra virgin olive oil
• Fresh citrus fruits
• Tomatoes
• Mustard
• Coconut cream
• Fruits
• Tahini
• Tamari
• Miso
• Dried or fresh herbs and spices
• Sea salt and ground black pepper
• Garlic
• Ginger

FORWARD 50
14 february/march 2016
mOtORing
Value for money
Motoring editor Ross Kiddie discovers
what he’s been missing out on when he gets behind the wheel of
Subaru’s new Impreza S-Edition.
Like many I guess, I’ve made some pretty
disastrous car buying decisions over the
years. However, it’s the car I didn’t buy which
is perhaps the most perplexing.
For many years Subaru has offered its
entry level Impreza at a bargain price.
I remember when I first contemplated
buying an Impreza in 2004, brand-new it
was sitting at $24,990, alloy wheels adding
an extra $1000. The irony was that I talked
two people into buying that car, and even
today they both still use it as a regular
commute – I would say that was a
worthy investment.
Well today, the Impreza is still around
and, what’s more, it comes in at the bargain
price of $29,990 and for what you get with
the Impreza that would have to be the
bargain of today’s new car market until a
new generation model lands, that is the only
Impreza to be had – the WRX aside.
Labeled Impreza S-Edition, the 30k model
arrives with a lot of kit, notwithstanding
the fundamental element, which makes up
Impreza – and all Subaru models for that
matter – four-wheel-drive.
The symmetrical four-wheel-drive system
is one of Subaru’s key selling points, and the
Impreza benefits greatly from it. It has grip,
driveability and transmits a solid driving feel,
which only manifests with all-wheel-drive.
That goes a long way towards promoting
a high degree of safety; the Impreza feels
tight and controlled on the road, it delivers
feedback that is involving and confidenceinspiring.
This is all delivered through
chassis and suspension elements, which are
complex and high quality. There’s nothing
about the way the Impreza is built that
would reflect in its budget price.
In terms of fitment, the Impreza S has dual
zone climate control, alloy wheels, complex
infotainment system and touchscreen
technology, cruise control, multifunction
steering wheel, steering wheel-mounted
paddles and automatic stop-start
technology. There are also minor but handy
features such as USB connections in the
cabin, front and rear.
At 4.5m, the Impreza isn’t a big car, but it
is mid-size and, as such, it could be classed
as a genuine five-seater, although it is cosy
rearwards for three adults. However for the
average family, the Impreza is a hatchback
that is capable and has good cargo
proportions – 340 litres to 1230 litres.
Up front sits a 2-litre, petrol-fuelled,
four-cylinder engine. One of Subaru’s
main manufacturing differences lies with
the engine’s design. The four-potter is
horizontally opposed; I have a lot of respect
for boxer engines, for one I like alternative
technology and, for another, boxer engines
develop a lot of natural torque. That being
the case, they are strong through the midrange,
yet will happily rev to the top end
without apparent fuss.
Subaru has constantly refined the
horizontally opposed engine development.
Not only is it more complex now with twin
camshafts over each bank of cylinders, but
it has been developed to the point where it
is as efficient as any four-cylinder naturally
aspirated engine.
Subaru claim a 6.8-litre per 100km
combined cycle fuel usage rating, which
equates to around 42mpg in imperial terms.
On my four-day test the comprehensive
trip computer was constantly listing around
8.2l/100km (35mpg), which was relative
given that I spent a lot of time in inner
city traffic and slow speed conditions. On
the highway the trip computer lists an
instantaneous readout of 7l/100km (40mpg)
cruising at 100km/h, the engine turning
over quite relaxed at just 2000rpm.
Power is rated at a generous 110kW
(6200rpm) and 196Nm (4200rpm), which
are healthy figures for a 1995cc engine,
and if you add into the equation the almost
direct drive through a continuously variable
automatic transmission, then the Impreza
feels lively under the accelerator, returning a
standstill to 100km/h time of just a fraction
over 11sec.
Because the Impreza naturally feels agile,
I took the test car on the road leading to
Lake Coleridge. I didn’t venture far past
Terrace Downs, but I pushed hard enough to
glean satisfaction from the way the Impreza
handles. Grip in the first instance is delivered
by low decibel, but sticky Yokohama tyres
205/55 x 16in, and if you add in the drive
you get from each corner the Impreza feels
balanced and nimble, so much so it doesn’t
seem like a mainstream car.
And that is the way Subaru as a company
would like you to relate to its cars – it isn’t a
niche market operator, it sells way too many
cars for that, but it is positioned on a limb
and I think that is why it has done so well
globally. In New Zealand we see four-wheeldrive
as far more than a safety mechanism,
it is the car for many alpine sport ecreational
users, and even the Impreza fits into
that bracket.
If only I could talk my wife into parting
with a few dollars, I could then exorcise the
demons that haunt me every time I think
about that lost Impreza opportunity.
PRICE:
Subaru Impreza S, $29,990
DIMENSIONS:
Length 4580mm; width 1740mm;
height 1465mm
CONFIGURATION:
Four-cylinder longitudinal (boxer),
four-wheel-drive, 1995cc, 110kW,
196Nm, continuously variable
automatic
PERFORMANCE:
0-100km/h, 11sec

FOrWarD 50
Travel february/march 2016
15
The world awaits
With convivial company on tap, safety in numbers and a host
to smooth the way, group travel adds value to your exotic
overseas adventures, says World Journeys’ director and tour
host Chris Lyons.
Travel is as much about the journey as it
is about the destination, so sharing your
experience with others is what group travel
is all about.
Every person brings something
unique to the mix - there may be a keen
photographer in the group who can give
you some valuable tips, or benefit from a
fellow traveller who has mastered the art of
haggling in the markets.
Lifelong friendships have been forged on
World Journeys’ tours, and many return to
travel with them again and again.
World Journeys tours are much more than
simply ticking off the sights on the welltrodden
tourist trail. To the World Journeys’
team, travel is all about experiencing new
cultures, savoring local cuisine, hearing new
melodies and meeting fascinating people.
An incredible world out there beckons
to be explored, but it can be a daunting
prospect doing it on your own, so we’ve put
together a range of small group escorted
tours with just this in mind.
Travelling to some of the world’s most
exciting, challenging and exotic countries
is all the more achievable in a small group
of like-minded Kiwi travellers. With a
maximum group size of 24, all tours are
guaranteed to depart so you can book
with confidence.
Some journeys include both land tours
and cruises, such as the popular Best of
the Med journey that showcases some of
Italy’s most stunning vistas along Cinque
Terre, a group of ancient seaside villages
on the rugged Italian Riviera coastline
and the picturesque Lake Como, followed
by a cruise from Venice to iconic ports of
the Mediterranean, ending in Barcelona
with time to explore some of the world’s
most fabulous tapas bars. Other itineraries
combine the absolute ‘must see’ places to
create a truly once-in-a-lifetime adventure,
such as on the Highlights of South America
– experiencing Buenos Aires, Iguassu Falls,
Rio de Janeiro, Lake Titicaca and the lost city
of the Incas – Machu Picchu.
An exciting new destination on offer
through World Journeys this year is Japan,
when the stunning autumnal colours will
put on a show in October. The mountains
and lakes of this more sparsely populated
area are spectacular, especially at this time
of year when the ginkgo and maple trees
are turning every conceivable hue of gold
and red. Discover the shogun’s fascinating
history, sublime culinary delicacies – the
seafood in particular is exquisite – and the
charming hospitality of the local people.
Couples, singles and small groups of
friends enjoy the variety of company
combined with the extraordinary
destinations we offer, from Africa to South
America, Europe, Indochina and Persia –
there’s something for everyone!
HOSTED JOURNEYS
guaranteed departures • small group hosted tours
Travel in comfort and style to new cultures, cuisines
and landscapes, with a host to smooth the way.
13 DAYS 22 DAYS 20 DAYS
JAPAN’S AUTUMN COLOURS
Enjoy stunning autumnal colours in Northern and
Central Japan; a region of Shogun history, idyllic lakes
and tranquil villages. The Snow Monkeys of Yudanaka
and bullet train rides will delight! An optional extension
visits Mt Fuji, Hakone and Kyoto.
2 October 2016—from $10,320
BEST OF THE MED’
Explore the Cinque Terre and Lake Como, then cruise
with Holland America Line from Venice to Dubrovnik,
Kotor, Corfu, Naples (Amalfi Coast), Rome, Livorno
(Pisa/Florence), Monte Carlo and Toulon (Provence),
ending in Barcelona.
16 June or 27 August 2016—from $10,890
HIGHLIGHTS OF SOUTH AMERICA
Journey through Argentina, Peru and Brazil, with
highlights including stylish Buenos Aires, impressive
Iguassu Falls, Rio de Janeiro, the lost city of the Incas
- Machu Picchu and a cruise on Lake Titicaca. All in
comfort and style!
23 September 2016—from $11,615
0800 11 73 11
www.worldjourneys.co.nz
Contact World Journeys or your
Travel Agent for a brochure.
NB: Pricing is per person (share twin), based on the lead-in category, and is subject to change due to currency
fluctuations. Price includes: 4-star hotels; transfers & transport; sightseeing & entrance fees while land touring;
tipping; all meals & port taxes while cruising. Return flights from NZ, travel insurance, cruise shore excursions and
optional extensions are additional. All tours are guaranteed to depart, and guaranteed to be hosted.

Travel FOrWarD 50 15 16
february/march 2016
The world awaits
With convivial company on tap, safety in numbers and a host
to smooth the way, group travel adds value to your exotic
overseas adventures, says World Journeys’ director and tour
host Chris Lyons.
Need a little extra support?
Travel is as much about the journey as it
is about the destination, so sharing your
experience with others is what group travel
is all about.
Every person brings something
unique to the mix - there may be a keen
photographer in the group who can give
you some valuable tips, or benefit from a
fellow traveller who has mastered the art of
haggling in the markets.
Lifelong friendships have been forged on
World Journeys’ tours, and many return to
travel with them again and again.
World Journeys tours are much more than
simply ticking off the sights on the welltrodden
tourist trail. To the World Journeys’
team, travel is all about experiencing new
cultures, savoring local cuisine, hearing new
melodies and meeting fascinating people.
An incredible world out there beckons
to be explored, but it can be a daunting
prospect doing it on your own, so we’ve put
together a range of small group escorted
tours with just this in mind.
Travelling to some of the world’s most
exciting, challenging and exotic countries
is all the more achievable in a small group
of like-minded Kiwi travellers. With a
maximum group size of 24, all tours are
guaranteed to depart so you can book
with confidence.
Some journeys include both land tours
and cruises, such as the popular Best of
the Med journey that showcases some of
Italy’s most stunning vistas along Cinque
Terre, a group of ancient seaside villages
on the rugged Italian Riviera coastline
and the picturesque Lake Como, followed
by a cruise from Venice to iconic ports of
ultra
resveratrol
+CoQ10
the Mediterranean, ending in Barcelona
with time to explore some of the world’s
most fabulous tapas bars. Other itineraries
combine the absolute ‘must see’ places to
create a truly once-in-a-lifetime adventure,
such as on the Highlights of South America
– experiencing Buenos Aires, Iguassu Falls,
Rio de Janeiro, Lake Titicaca and the lost city
of the Incas – Machu Picchu.
An exciting new destination on offer
through World Journeys this year is Japan,
when the stunning autumnal colours will
with Grape Seed Extract
• Supports heart health
put on a show in October. The mountains
and lakes of this more sparsely populated
area are spectacular, especially at this time
of year when the ginkgo and maple trees
are turning every conceivable hue of gold
and red. Discover the shogun’s fascinating
history, sublime culinary delicacies – the
seafood in particular is exquisite – and the
charming hospitality of the local people.
Couples, singles and small groups of
friends enjoy the variety of company
combined with the extraordinary
destinations we offer, from Africa to South
America, Europe, Indochina and Persia –
there’s something for everyone!
• Improves energy levels
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Betacarotene
• Supports healthy eye function
• Helps improve eye health
• Lutein rich formula
bee venom
+ glucosamine
with Pure New Zealand
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• Helps maintain joint health
• Supports healthy cartilage
• Improves joint mobility
gout care
formula
with Cherry Fruit Powder
• Helps relieve swelling
• Restores healthy uric acid balance
• Helps reduce inflammation
Always read the label and take as directed. If symptoms persist see your healthcare professional.
ORDER NOW www.abeeco.co.nz or Freephone 0800 370 999
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Mon - Fri 8.30am - 5pm
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Our Promise to You – If you are not completely happy, return the products to us within 30 days for a full refund.
Please send me:
• ultra resv/CoQ10 (90 caps) - $79.95
• bee venom + glucosamine (90 caps) - $35.00
• eye care formula (60 caps) - $39.95
• gout care formula (90 caps) - $49.95
Cheques payable to Abeeco Ltd.
Post: PO Box 31-225, Milford, Auckland 0741
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FORWARD 50