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on Monday, 30 November
2020 at 11.15am.
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5 Ways to Wellbeing
Spring has well and truly arrived.
The flowers are blooming,
birds are chirping and
lambs are leaping with joy.
Spring is the time to breathe
in the fresh morning air and is
a promise of fresh beginnings
- a good time to refocus on
our wellbeing and what makes
life go well for us. The Mental
Health Foundation recommends
regularly practising ‘Five Ways to
Wellbeing’ to make the most of
your days and keep your wellbeing
well on track.
Start with connecting. Talk,
listen, simply be there with
the friends and family. Take
the chance with the grandkids
back at school to catch up with
friends. Organising a simple
walk around the river or a coffee
after your next gym session
is a great way to stay connected.
If you are further away from
family than you would like, get
your zoom up and running and
organise a zoom-date with the
grandkids or your relatives and
friends overseas to feel special
and connected. Celebrate your
life through stories and photos
by scrapbooking, and then share
them with your friends over tea
- comparing notes about “bad
hair decades.” Of course, food
is always the best way to get
people connected, so if you can
get a group of friends together
for a shared lunch or potluck
dinner. A chance to enjoy the
extended evenings and good
Give is the next way to wellbeing.
It feels good to give and
everyone has something to offer.
You could do something simple,
like writing cards for the care
facilities in your neighbourhood
or for people who you know
live on their own or are away
from their families. You may do
an anonymous act of kindness
by leaving a flower and a kind
note on a bench along your next
walk. Or you could join a community
group to help knitting
garments for newborns at your
hospital. Finding something
that you enjoy doing, and then
gifting that to others will help
keep your wellbeing on track.
Taking Notice is a simple yet
very powerful practice for your
wellbeing. Be curious, catch
sight of something beautiful
or unusual. Simply notice the
change of season from spring
into the heat of summer. Set
yourself the challenge today to
notice three beautiful things,
maybe even rewrite them
down. Tomorrow, repeat. You
can also try taking 10 mindful
breaths, calm the body and
mind and resetting yourself for
a smoother, more grounded
day. You can also take notice
of the people around you - pick
a bustling place and watch
the interactions between people.
If you want to really master
taking notice, join a local c
ommunity yoga class.
Keep learning is about seeking
out new experiences and
challenging yourself. You can
listen to your grandkids stories,
maybe helping them to write
mini-books of their own adventures.
You could visit the library
and see what’s new. Or perhaps
you could attend one of the University
Of Waikato’s regular Public
Lecture Series covering everything
from artificial intelligence
to keeping our rivers clean.
Last but certainly not least, be
active. Do what you can, enjoy
what you do and see how your
mood lifts. It may be as simple as
walking around your local park,
cycling with a friend or could
be joining a more organised activity
such as a bowling club or
a gym or exercise programme
designed specifically for seniors.
For example UniRec’s LifeFit
programme offers an endless
pool if you enjoy swimming,
exercise to music classes, supervised
gym workouts or sport
sessions for seniors. Being physically
active can improve your
health, mood and wellbeing -
just keep moving!
Suzy Fourie - University of
Waikato, Wellbeing Hub
UniRec’s LifeFit programme has been
specifically designed for seniors needing extra
support and encouragement to be active.
The programme includes:
• Individual exercise programmes
• Weekly supervised sessions/classes
• Access to UniRec facility outside supervised
WEEKLY SESSION TIMES
• Supervised Resistance & Cardio Training Sessions
Tuesday & Friday, 7.00 - 9.00am
• LifeFit Low Group Exercise Classes
Monday & Thursday, 8.30 - 9.30am
• Sport for Seniors
Wednesday, 8.00 - 9.00am
For more information, phone Nick on 07 837 9592
or visit unirec.co.nz
2 Hamilton greypower Magazine | November 2020
President’s pictorial report
BY ROGER HENNEBRY
HAMILTON GREY POWER PRESIDENT
It's been a busy month for Grey Power
- we rolled our sleeves up and welcomed
the political parties that presented to us,
canvassing our important vote.
Special thanks to Geoff
Kreegher for co-ordinating
all the meetings over
five weeks starting with Labour;
National; TOP; Conservatives;
NZ First and lastly ACT.
Deputy Prime Minister and NZ
first leader Winston Peters in
full flight - limited to 100 due
to Covid. Apologies to those
who missed out.
A CATARACT IS A GRADUAL CLOUDING
OF THE LENS INSIDE THE EYE. HAVING A
CATARACT CAN BE LIKE LOOKING THROUGH
A CLOUDY WINDOW AND MAY TAKE YOU
AWAY FROM DOING YOUR USUAL DAY-TO-
Cataract development is a normal process
of aging. Cataracts can also be present at
birth, develop from injuries, certain diseases,
medications or long-term exposure to
As scary as cataracts might sound, modern
cataract surgery can usually restore vision
lost to cataracts — and can often reduce your
dependence on glasses as well.
When you are no longer able to see well enough to do the things you like to do,
cataract surgery should be considered. Thankfully cataract surgery is one of the safest
and most effective surgical procedures performed today. Surgery involves removing the
cataract and replacing it with an artificial lens. The procedure typically is performed on
an outpatient basis and does not require an overnight stay care facility. Recovery time is
quick, and vision can start to return to the affected eye within a few hours of surgery.
Hamilton Eye Clinic have a team of highly qualified and experienced
Ophthalmologists, with fellowship training in various subspecialities, providing
an Ophthalmic service of excellence.
We offer a comprehensive range of diagnostic and treatment services, including
surgery in our adjoining purpose-build facility Bridgewater Day Surgery.
To book an appointment email:
or phone us directly.
130 Grantham Street, Hamilton
How to have a gorgeous garden without
spending a fortune
Gardening doesn't have to be expensive.
But tell that to your bank balance after
you've made a trip to your local nursery or
BY JEANETTE MARANTOS
Sourced from stuff.co.nz
Between the bags of special
soils, tools, hoses, fertilisers,
seed packets and,
of course, plants, your plan to
grow edibles or even a modest
balcony of flowers was never
going to be a budget project.
Even worse: when all those
new acquisitions result in a
poor-performing garden, or it
never even gets planted.
We've all been there, especially
as beginners. Take a
deep breath, forgive past indiscretions
and read on for some
practical ways to put more joy
and less money into gardening.
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Make a plan and start small
Break your garden plan into several
You'll be less likely to spend impulsively
equipment or kill the plants
you bought because you didn't
have time to plant them.
Be realistic about your space
and goals; do you really have
time this weekend to prep
your garden bed and plant 60
seedlings (that's 10 six-packs
of flowers and vegetables)? Do
you have room for 60 seedlings?
Spreading out the work
will make things easier on your
Gardening experts say
soil preparation is the most
Bus driver free, minimum 10 people
Monday to Thursdays only
important thing you can do
(after figuring out the sunniest
spot in your yard or patio).
Make your first task and
purchases devoted to soil prep,
whether it's buying good organic
potting soil for a few
containers or adding organic
amendments, such as compost,
aged manure, coffee grounds
and seaweed to a garden patch
in your yard.
Typically, you need to wait
a week or two to plant after
adding organic amendments
because they raise the temperature
of the soil as they decompose
and "cook." You can't
plant until the soil cools so wait
a couple of weeks to buy plants.
Start with a few tools
You don't need many tools
to have a good garden, said
Yvonne Savio, creator of the
Gardening in LA blog and a retired
director of the Los Angeles
County Co-operative Extension
Master Gardener program.
She recommends starting
with a sturdy hand trowel, a
hand fork for scratching fertiliser
and mulch around plants and
a large garden fork for incorporating
organic amendments into
the soil. Using a fork instead of
a shovel is easier on your back
and better for the soil, she said.
You might also invest in a
good shovel to dig large holes
for trees or shrubs and a pair of
sturdy hand clippers. Scout out
garden tools at garage and estate
sales. It's wise to buy sturdy,
well-made equipment, but
high-quality tools don't have to
be the most expensive.
Check out local gardens
Before you plant, find out what
grows well in your area. Go
on an organised garden tour
or two or visit nurseries and
take notes about what plants
you love and the conditions in
which they're grown. Protect
your heart and your wallet by
seeking plants in harmony with
your growing conditions.
And don't forget your nearest
resource: your neighbours.
Many gardeners are eager to
talk about what they grow and
may even be willing to share
seeds or volunteer to give you
some seedlings or show you
how to propagate plants from
cuttings from their yard.
Make a list again, this time of
the plants you want and where
you will put them, to keep impulse
spending at a minimum.
If you're planting an edible
garden, grow vegetables your
family will eat, Savio said, and
look for plants that provide the
biggest bang for your buck.
For instance, you might love
cabbage or cauliflower, but
they require lots of space and
produce only one head per
plant. Broccoli keeps producing
smaller bunches of tender
edibles after the main head is
Grow with seeds
That doesn't mean seeds only,
but some plants such as beans,
corn, squash, leafy greens, radishes
and cucumbers grow easily
Instead of buying lettuce
seedlings, for instance, buy just
a few to get a head start on
your harvest and sow the rest
for a staggered crop.
Compost is vital for healthy soil,
and you can make it cheaply
and easily from kitchen scraps,
lawn clippings, fallen leaves,
shredded newspapers and other
materials that would otherwise
go to landfills.
11 RAILSIDE PLACE, HAMILTON • PHONE (07) 8462260
7AM-3PM WEEKDAYS AND 8AM-3PM WEEKENDS
6 Hamilton greypower Magazine | November 2020
Now that more businesses are
open again, you might want to visit the
SuperGold website or app to see what offers are
available near you: www.supergold.govt.nz
Thousands of businesses across New Zealand are offering
all kinds of SuperGold offers, including food and beverage,
electronics and appliances, home improvements,
automotive and health so you can stretch your dollar
further. Now, more than ever, local businesses need our
support. You can check out offers by category and location,
or use the search function to find the best deal on a
product or service.
If you haven’t already, you can download the Super-
Gold App and check offers when you are out and about.
If you have a smartphone or tablet, download the SuperGold
App (SuperGoldNZ) from Google Play (Android
users) or the App Store (Apple users). It’s super easy,
but if you’re new to apps you’ll find instructions on
If you need help with the app try asking someone close
to you who is good with technology or give the Super-
Gold team a call on 0800 25 45 65. They are available
Monday – Friday, 8am-5pm.
For more information go to www.supergold.govt.nz
This is our 3-wheeler Mobility Plus Trike. RRP $3950
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Ride this Tricycle to the
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When the power indicator
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Most parts and components
are guaranteed up to 1 year,
frames 5 years. Battery if recharged
properly should last
between 3-5 years, depends
on uses. Replacement cost
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This is a great mobility scooter at a great price,
designed for easy access on and off and with side bars
for extra safety in mind. You won’t be disappointed with
this great tricycle.
EV Bikes NZ, 508 Ferguson Street, Palmerston North
0800 222 249 www.evbikes.co.nz
Hamilton greypower Magazine | November 2020 7
It’s time to stop living in the past and learn
the art of forgiveness
OPINION: With any luck, you have a colourful
past. You have had an assortment of things
happen in your life, some good and some not.
There’s bound to be some hurts and some
drama in there and some magic moments too.
BY SAHERA LAING
We all have a rich history
of experiences behind
us. In one way
or another, we have been hurt,
betrayed, abused, ignored, bullied,
punished and worse. We
all have our stories. And no one
story is less valid than another.
The question is – are you still
sitting with those hurts or are
you able to let them go?
I encounter several people,
each year, reluctant to let
go of their past because they
hold this belief that it will undoubtedly
happen again. For
example, they may have been
cheated upon by an ex-lover,
and so they expect all future
lovers to cheat on them. They
decide, quite firmly, to never
trust anyone ever again. Can
you see the problem with this?
Believing what has happened
to us, will always happen
to us is letting that one
experience be our only experience.
We have actually learnt
very little from the ordeal. We
are blaming someone for ruining
our future instead of
becoming the influence for
our future. The problem with
blaming others is that it can often
leave us powerless – failing
to take any responsibility for
the direction of our lives.
That’s like trying to drive
your car forward using the
rearview mirror. This strategy
doesn’t work very successfully
nor is it safe.
What you do with that hurt
is probably more important
than the hurt itself.
We can learn from our past
and apply that awareness to be
wiser in the future. The past
does not have to equal the future
unless you live there.
Your feelings are legitimate,
perfectly valid. It’s important to
feel them fully, and then decide
what you take into your future.
What lies ahead is not yet set
and to predict what will happen
from one experience (or
even two) is stubborn and foolish.
Nothing and no one can
change the past. A line needs
to be drawn, not in sand, but in
concrete. A decision needs to
be made that says it will never
happen again in the same way.
We need to make a commitment
to let it go, which
means accepting that you have
a choice to let it go.
Have you beaten yourself
up enough or do you need
to keep going? Choose to no
longer play the victim and get
empowered. I appreciate being
a victim can feel safe, known
and comfortable. Yet life is
messy and complicated. Learning
skills to be more resilient,
stronger and confident is far
more useful than getting pity by
being a victim.
In every moment, you have
that choice – to continue to
feel bad about another person’s
actions, or to start feeling
good about your actions
and the direction of your life.
And any time is a great time
to start over.
Learn the art of forgiveness.
Forgiveness is not about
letting whoever hurt you, off
the hook. It’s about no longer
giving them the power to
determine your future. Why
would you let the person who
hurt you, in the past, have such
power? Reclaim it.
Redesign your story. Your
past story may have been tragedy
and pain, but what is your
new story? Stay in the present
and catch your brain out when
it starts to relive the past and
halt it. Put up a great big stop
sign to interrupt those unwanted
thoughts. Decide to focus
on the here and now.
It takes consistency and determination
to change old attitudes,
but it doesn’t take long.
I know it’s hard, I have
struggled with it myself and
often have to get back on
track when my head decides
to take a trip down memory
lane. If we’ve held onto it for
a long time, it feels like an
old friend. But it’s not healthy,
it adds to our stresses and
sabotages our life.
So do yourself a favour,
learn from your past not dwell
on it. Let go of the pain and redesign
your story. Ditch being
a victim and claim your future.
Decide to be empowered,
to be wiser and do something
Sahera Laing is a mental
fitness consultant, columnist
and speaker based in
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8 Hamilton greypower Magazine | November 2020
Greetings to you all. Hope everyone is getting
by in these uncertain times.
Council to use new
Hamilton’s Mayor and councillors will now be
elected under the Single Transferable Voting
Hamilton City Council
Elected Members decided
to switch from
First Past the Post (FPP) to using
STV for the 2022 and 2025
elections at 6 August Council
The change means that
voters will rank the candidates
in order of preference, rather
than ticking the candidates
they are voting for.
Mayor Paula Southgate said
the decision was a brave one
for councillors who had been
elected under FPP.
“We asked the community
which system they thought is
best for our city, they told us
they wanted STV, and Elected
Members have delivered on
that,” she said.
“For me, this decision was
about the fairness of STV over
the simplicity of FPP. It’s ridiculous
that a councillor can be
elected based on the toss of
a coin, which happens if two
candidates get the same number
of votes under FPP.“STV
is the fairer system and Hamilton’s
voters will be better
represented by the results it
Elected Members had the
option to keep FPP, switch to
STV, or conduct a formal poll
of the city’s voters, either before
or as part of the 2022
elections. Seven members of
the community spoke in public
forum, with five supporting the
switch to STV.
The results of a community
survey run by the Council also
showed that a majority of respondents
favoured using STV.
The survey ran from 17 June
to 17 July and attracted 928
submissions. Overall, 726 respondents
(78.1%) wanted to
switch to STV and 202 (21.9%)
preferred to keep using FPP.
Governance Manager Becca
Brooke said the result is “a significant
moment in Hamilton’s
local government history. Hamilton
has used FPP for more
than 140 years, but there was
obviously a desire for change
to a more proportional voting
system,” she said. “We now
have an exciting opportunity to
continue educating our voters
about how STV works before
the 2022 elections.”
In the 2019 elections, 67 of
the 78 local authorities in New
Zealand used FPP.
The office is operating three days per week,
Monday to Wednesday 9.30am to 12.00
midday and members are attending the
Monday morning social group. If you have an
email address you will be advised of speakers.
We still have outstanding subscriptions
($20.00 single and $30.00 double) and would
appreciate your payment for this financial
year. If you are paying by internet banking our
account number is 03 1355 0027733 00. Please
write your name and membership number as
reference. If you are mailing your subscription,
our address is Grey Power Hamilton Inc, 30
Victoria Street, Hamilton 3204.
We are still receiving Grey Power Electricity
payments at the office. The payments should
be made to PULSE ENERGY, a South Island
supplier. Please check the reverse lower left of
your account for details. Thank you.
We have had Labour, National, the New
Conservative Party, Opportunities Party and
NZ First candidates speak to members. It was a
good chance to ask questions.
Our Christmas lunch will be held Monday,
30 November at the Hamilton Gardens Café,
$25.00 per person. Please book and pay at
the office. We will be holding a short AGM at
11.30am to have our accounts and committee
members confirmed. Please consider putting
your name forward, new faces are welcome.
If you have had an interesting experience
(overseas holiday or hobby etc) you are invited
to write an article for our magazine. Makes for
Any queries please contact us on 834 0668.
Take care out there.
Hamilton greypower Magazine | November 2020 9
Retirement: Before you
get a granny flat read this
BY MIKAELA WILKES
Sourced from stuff.co.nz
Granny flats can be a
great retirement option.
Nana (or Pop) can
free up some capital, downsize,
and both generations can benefit
from proximity to one another.
He or she gets security, care
and more time with loved ones.
The grown child can look
after mum or dad more easily
and affordably and will benefit
from the added value of the
dwelling to their property. But,
What happens if the parent’s
money is tied up in the flat
and the son or daughter has a
career change that requires a
move? Or if a marriage breaks
up? What happens when the
fulltime care of a retirement village
is needed, but there's no
cash left to pay for it? Or when
the parent dies and multiple
siblings feel the value of the flat
should be shared?
Trust lawyer Catherine Atchison
says that before entering
into any kind of multi-generational
living arrangement, all
parties need to be clear about
their motivations and their exit
“The vast majority of people
don't answer the ‘what ifs’, and
often if one person needs or
wants to get out of the property,
they can't afford to. That's
Image by: GEORGE HEARD/STUFF
when you get some very big
First, figure out why you’re
doing this. Is the goal to alleviate
poverty, to pool finances
to improve lifestyle, or are you
putting care arrangements in
Is the arrangement short or
“If the younger generation
has any plans to travel or move
cities, they should ditch the
idea,” Atchison said.
The cost of building and installing
a granny flat depends
on its scope, size, and location.
“We have had granny flats
that have been built for around
$125k - $180k,” said Jeremy
Wyn-Harris, director of Builderscrack.
A resource consent can cost
a few thousand dollars, and the
final cost of a building consent
is decided by the area you're in.
Wyn-Harris recommends a
$5000 budget for consents and
an additional amount for an
architect if you're building the
dwelling yourself, rather than
putting on a transportable unit
or buying off a plan.
How has your home life
changed in retirement?
“You do need to talk about
finances, particularly if one
party has mortgage(s) and the
other doesn't, that can be extraordinarily
Unless the property is on an
adjoining section with its own
title, the extra room or building
will legally be the property of
the son or daughter and their
spouse/partner as owners of
In some cases, the parent
may pay for the granny flat entirely
with the intention to live
there until they die. In others,
both generations might pool
their resources to pay for it together.
“Because women tend to
live longer, usually granny flats
come about when one partner
dies. A child will say, come and
live with us and we'll look after
you – but the parent funds it.
“That can work quite well
until mum gets ill and the only
money she's got left is in the
flat. The younger generation
might be forced to sell up if
they can't or don't want to
care for her. And if they've got
a big mortgage, that's a major
issue," said Atchison.
Esther Perriam, director of
Eldernet advises divvying up the
day-to-day expenses as well.
“Situations where someone
is made to feel grateful, or indebted,
to another create power
imbalances. Power imbalances
can quickly result in elder
abuse, and often in ways that
we don't notice,” she said.
She gives the example of the
child suggesting that the elder
pay their whole pension into a
shared account because they
“That can result in elders
having no discretionary income
and having to ask permission
to purchase anything that the
homeowner doesn’t deem as
The exit strategy
If you as the elderly person
are fronting the money for the
granny flat, you need to decide
if that money is a gift to your
child, or a loan.
What's going to happen
if, after a few months, one or
both of you aren’t enjoying the
living arrangement? Can you
get your money back and move
Will your son or daughter be
able to pay you back if all your
freed up capital has been spent
on extensions on their home?
“It's important to remember
that death and illness aren’t the
only things to end an arrangement,”
“A child's divorce or career
change can throw the whole
thing out the window. If there
is no exit plan you can get some
very sad, divisive arguments.”
You will need to decide if
the plan is to take care of your
parent(s) if they live on your
property or to fund long-term
residential care should they become
Long-term residential care
Government subsidies for
long-term care are subject to
asset testing. That means if
mum or dad paid for the granny
flat, they could miss out on
You’ll also need to consider
how a granny flat might impact
peoples' expectations about inheritance.
Granny flats add value to a
property. They can be re-purposed
as a teenager’s own
space, a work from home office,
or even as a rental.
Low-quality garage conversions,
sheds, and sleepouts
might not push a property value
through the roof, said Steven
Glucina from LJ Hooker
“But if we're talking about a
decent, separate dwelling that
was built for a retiree, you’d be
looking at $150,000 more for
a property with one than without,
Perriam said that can bring
about arguments like: “I deserve
a larger share of the estate
because we had mum living
with us for the last fifteen
years”, or, “It might not be in
the will but you got the value of
the granny flat, so I should get
Parents will need to think
about whether helping one
child by fund an extension is an
10 Hamilton greypower Magazine | November 2020
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Hamilton greypower Magazine | November 2020 11
Funerals - will you be able to foot the bill
for your final farewell?
Dying can be an expensive business. On
average, the cost of a funeral is about
$10,000. But you can find yourself facing
BY ROBERT KELLY
sizeable chunk of a funeral
bill is likely to be
This is a catch-all fee charged
by funeral directors that can
include anything from filing
paperwork to using the funeral
Other big items typically include
burial plot fees and the
cost of the coffin. Embalming,
memorial programmes, hearse
hire, catering and flowers also
add to the price.
Most of us turn to a funeral
director to sort out arrangements
for a relative’s final
farewell. Professional assistance
can be helpful, but you
can minimise costs by taking
on some tasks yourself. It is
up to you how involved you
want a funeral director to
be, if at all. There is no legal
requirement to use one.
Burial vs cremation costs
Whether you opt for burial or
cremation will have a significant
impact on price. If the “six
feet under” approach appeals,
you will need to pay for a burial
plot, memorial markers and the
process of interring the body.
Local councils are responsible
for setting plot prices. Depending
on the area, the price
can range from $657 (central
Hawke’s Bay) to $6613 (North
Shore Memorial Park, Auckland).
Unless you are burying the
body on private land – and permission
for this can be hard to
get – you’ll also need to pay an
interment fee. Many councils
publish costs online for interment
at their cemeteries. Fees
range from $319 (Taupo) to
Cremation is usually cheaper
than burial. If you are using
a council-owned crematorium,
you’ll pay between $525 and
$900. Privately owned crematoria
can be more expensive,
with services costing between
$700 and $1100.
Ways to cut costs
You cannot avoid burial and
cremation costs. But you have
more choice when it comes to
other aspects of a funeral.
Coffins and urns: Options
range from a simple cardboard
coffin (from $350) to a bespoke
upholstered model ($5000). If
you are burying the body, you
can also wrap it in a shroud instead
of using a coffin. A body
must be in a coffin when cremated.
An urn for storing the
ashes can cost up to $500. But
you can use any type of container.
Most crematoria will
provide a basic option. If the
body’s being cremated, pacemakers
and metal implants
must be removed. The intense
heat of cremation can cause a
pacemaker to explode, while
metal implants do not burn
down to ash. Some crematoria
can assist you in donating
metal joints so they can be recycled.
Embalming: On average it
costs between $500 and $800
but there is no legal requirement
for embalming. You may
want to consider it if there is a
long delay between the death
and the funeral or for open-casket
viewings. Embalming is not
permitted at “natural” cemeteries
because it uses hazardous
substances, such as formaldehyde
to preserve the body.
Ceremonies: It is common
practice to have a funeral ceremony
but it’s not mandatory. If
you chose a ceremony, you can
use any venue from a church
hall to a community centre or
your own home. You can also
forego the ceremony.
Transport: If you are transporting
a body, you do not have to
pay for a hearse. It is possible to
use other vehicles but the body
must be in a coffin or equivalent
and you must ensure
there’s no leakage, as this is a
health hazard. You must also
make every effort to preserve
the dignity of the deceased.
Alternative resting places
For those seeking a final resting
place beyond the traditional,
there are options.
Continued on page 13
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12 Hamilton greypower Magazine | November 2020
From page 12
You can be buried at sea.
You need to apply to the Environmental
There are five offshore sites
for sea burial in the New Zealand-exclusive
The permission process usually
costs between $200 and $300.
Another option is a “natural”
burial. Natural cemeteries are
planted with trees which grow
to create a park. Plots can be
more expensive than a standard
interment (at Makara Cemetery
in Wellington, it costs $1,287
for a natural plot vs $935 for a
standard plot). Only a handful
of councils offer natural burial
sites. To find out about your
options, contact your local
The DIY approach
You can handle the entire funeral
process yourself and potentially
save costs. The “person
in charge of disposal” of
a body has several legal obligations
dealing with dignity,
classification and hygiene of
• You must get a medical certificate
of cause of death
(HP4720) or a medical certificate
of causes of foetal and
neonatal death (HP4721).
• If you transfer the body from
the place of death you will
also need to fill out a transfer
of charge of body form
• If you have chosen to cremate
the body, you need a
certificate of medical practitioner,
a permission to cremate
form and an application
for cremation form.
• You must register the death
with Births, Deaths and
Marriages within three days
of the cremation or burial
of the body. You will need a
notification of death for registration
• A death certificate can
be obtained from Births,
Deaths and Marriages New
Zealand. There is a $33 fee.
Finding out what it will cost
for your final send-off is harder
than it should be. Many funeral
companies don’t publish prices
for their services. Some may
only provide estimates before
the event itself.
In 2015, the Law Commission
requiring companies to publish
price lists and provide itemised
costs to consumers before services
were delivered. It also recommended
directors. While there’s a qualification
available – a Diploma in
Funeral Directing – having one
isn’t compulsory, though it is
required for membership of the
Funeral Directors Association of
New Zealand, the largest industry
group. However, legislation
to fix the problems identified
by the commission is yet to be
There are avenues for financial
assistance when someone dies.
Work and Income New Zealand
offers a grant (up to $2030)
for deceased people on low
incomes (below $29,000 for
single people; figures differ for
people in relationships or with
children). This money can only
be spent on the most necessary
parts of the funeral (for example,
funeral director’s fees,
body disposal and burial plots).
If someone dies as a result
of an incident covered by ACC,
the family can receive up to
$6021. Families of murder or
manslaughter victims can receive
up to $10,000 for funeral
or memorial costs.
The funeral business is a business
like any other. If you’re
using a funeral director, ask for
an itemised list of services and
costs before signing a contract.
Don’t feel pressured to accept
an option with which you’re
Remember, if a price is referred
to as an estimate, it can
be increased. But it’s worth
challenging an account that
is more than 20% above an
estimate. Funeral companies
also need to be upfront about
whether the price is inclusive or
exclusive of GST.
Hamilton greypower Magazine | November 2020 13
14 Hamilton greypower Magazine | November 2020
Tamahere Eventide facilities are
continuing to evolve, with the
apartments and hospital now open.
We have new resident apartments
available for sale under occupation
rights agreements, and they are
open for viewings daily from
10.00am - 12.00pm.
The facilities are owned and operated
by Tamahere Eventide Home Trust,
a registered charitable entity, with
Trustees appointed by the Methodist
Interested in coming
in and seeing what we
have to offer?
Telephone David McGeorge
on 07 8591581 or 021 0289 1213
for an appointment and viewing
of the appartments or villas in the
Telephone Versie Gareza on
027 237 1620 for all hospital
Our mission statement:
“ To provide a quality
caring service for
older people, in a
Accredited member of the
Retirement Villages Association
of New Zealand Inc.
Hamilton greypower Magazine | November 2020 15
treatment in women’s
health now available
• Vaginal itching & burning
• Vaginal Laxity
• Vaginal Dryness
• Painful Sexual Intercourse
• Loss of Lubrication
• Recurrent cystitis
16 Hamilton greypower Magazine | November 2020
The shelves of the garden
centre bulge with all manner
of sprays, pellets, liquids
and powders designed to
kill any nasties on your veggie
patch or encourage your roses
to bloom at their most spectacular.
But if you want to avoid
putting too many chemicals
onto your garden or just want
to save some money, there are
plenty of homemade alternatives
that work just as well.
TO HELP REDUCE PESTS
Mix one teaspoon of natural
dishwashing liquid with two
teaspoons of vegetable oil. Pour
into a spray bottle and shake
well. Spray the liquid directly
onto bugs (aphids or mites)
until they are covered and the
liquid will smother them.
Black spot fungicide
Add three teaspoons of bicarbonate
of soda to one litre of
water plus a few drops of dishwashing
liquid to help the solution
adhere to the leaves. Spray
directly onto the affected area,
although be careful not to overdo
Snails and slugs
Place a small shallow dish of
beer in the garden. It will attract
snails and slugs that will crawl
into the liquid but they will not
be crawling out again.
Combine equal parts milk and
water in a spray bottle and
spray directly onto the affected
areas. Three treatments over
the course of one week should
clear up the mildew.
Despite the name these bugs
will eat many types of veges
and just a couple can do serious
damage. Sprinkle self-raising
flour or cornmeal over the
leaves in the morning when the
worms start to eat. It will swell
in their gut as the temperature
Acid loving plants like tomatoes,
blueberries, roses and
azaleas love coffee grounds.
You can mix them into the soil,
sprinkle them on top or create
a soil drench by soaking the
grounds in a bucket of water
for 2-3 days before pouring it
over the garden.
Plants love potassium and
banana peels are chock full of it.
Put one or two in the bottom of
a hole under new plants or bury
them under mulch for existing
gardens. The peels will rot and
release potassium that will fertilise
the plant and repel aphids.
Egg shells are 93% calcium carbonate
which is the same ingredient
as popular fertilizer, lime.
You can add the crushed shells
straight to the soil or powder
them in a blender and add to a
spray bottle of water.
(Extract from Cambridge Newsletter
2019 - excellent cost-saving
HOLISTIC HEALTH THERAPIES
I am Jocelyne, your holistic Health
Therapies practitioner. I was born
in France and have resided in New
Zealand for the past 45 years.
Prior to settling in New Zealand,
I traveled extensively around the
world and learned different ways to
treat the body to make it feel better.
I formalised my training in New
Zealand, starting with Naturopathy
and continuing on to learn various
Why? Some of you may say.
Throughout my travels and my learning experiences I came
aware that although we are similar as human beings, we are
all unique individuals. Therefore one therapy may not suit all
of us. Please see below some of the therapies I practice.
Bowen Therapy is my main modality
because it treats the body via
neuromuscular system, works on
digestive system, lymphatic system,
emotions...and much more. To me
it is the most complete therapy one
can receive as it addresses most
ailments including off course PAIN.
I practice most massage therapies.
Deep tissue massage, relaxing
massage, lymphatic drainage,
massage feet... I find that some
people are more responsive to
massage as it is a more conventional
way of treating the body.
Scenar is a portable device that
delivers non-invasive, interactive
electrical stimulation via the patient
skin. Scenar technology has
been proven to provide quick and
sustainable pain relief to a wide
range of pain conditions.
Most bookings are made online but if you have any difficulty
please do not hesitate in contacting me via text or voice mail
Jocelyne Laboissette. 021 502 095
People with a Gold Card get an automatic discount
of $20 from the normal price
Most treatments last 1 hour
To see all practices visit my web site:
If nothing else works I can help.
Jocelyne at Holistic Health Therapies
11 Ridgeway Place, Hamilton | 021 502 095
Holisticfrench@gmail.com | www.holistictherapies.co.nz
Hamilton greypower Magazine | November 2020 17
SuperGold Card holders receive
free bus travel in off-peak hours.*
Heading to the Gardens, shopping, or lunch out
with friends? Travel with us and avoid the stress of
traffic and parking at your favourite destinations.
It’s easy to load your SuperGold concession to
your Bee Card by visiting the Hamilton Transport
Centre or giving us a call on 0800 205 305. You can
still show your SuperGold Card to the bus driver
to receive free off-peak travel until early 2021.
*Off-peak hours are Monday-Friday between the
hours of 9am-3pm, and 6.30pm until end of service.
All travel is free on weekends and public holidays.
GET A CARD
Bee Cards are free for SuperGold users and
available at the BUSIT counter inside the
Hamilton Transport Centre, or via 0800 205 305.
REGISTER YOUR CARD
Bee Cards need to be registered to support
contact tracing, to enable online top up, and
to protect your balance if you lose your card.
And you can load your SuperGold concession
directly onto your Bee Card.
Registration is quick and can be
easily completed online at
If you need assistance, give
us a call on 0800 205 305
or visit us at the BUSIT
counter inside the
Have your Bee Card ready to
tag on and off the bus.
Should I clean my
own heat pump or
shell out for a service?
BY KYLIE KLEIN-NIXON
Sourced from stuff.co.nz
You come home from
work, it’s dark, it’s cold,
it’s miserable. You had a
heat pump installed last winter,
though, so it should only take a
few seconds for the house to get
Only, you turned the thing on
when you came in but it’s just
not putting out the kind of heat
you’re used to. In fact, when you
hold your hand in front of the
vents, the air flow seems patchy
and not that powerful.
Is it time to shell out for a service,
or is there something you
can do to make your heat pump
work more efficiently?
You can remove and clean
the filters yourself every 4-12
months, depending on how
much you use the pump.
Put your cheque book away
for the time being. There are
some common winter woes that
can affect how well your heat
First of all, check that there
aren’t leaves and other rubbish
blocking up the outside unit
– this can disrupt airflow and
make the unit less efficient.
If that’s clear, a New Zealand
Heat Pumps spokeswoman says
it’s a simple task to clean out the
filters, and it’s a job you should
“Cleaning the filters helps
with the airflow. Not only are
you cleaning out the dust particles,
but you’re also creating
of an efficient system, because
it’s not fighting through all the
gunge to give you warm air.”
The filters stop pollen, dust
and detritus from outside being
blown into the home, they can
also become damp and mouldy,
so should be cleaned regularly.
You can do this yourself in between
According to The Heat Pump
People , you should clean your
heat pump filter every 4 to 12
weeks “depending on how
much you use your heat pump”.
Turn off your pump at the
wall, or on the outside unit –
depending on the model – then
consult your unit manual for
how to open and remove the
The Heat Pump People suggest
using the fabric attachment
on your vacuum to clean the filters.
They also suggest a gentle
vac of the space behind the filter
if you can reach it – but be careful
not to knock or damage the
components inside – and always
make sure the unit is turned off
before opening it.
EECA says you can also wash
them in warm water with a little
dish washing soap. Make sure
the filter is dry before putting
them back in the unit.
It’s important to avoid damaging
the delicate fabric inside
the filter – although if you do,
a replacement filter can usually
be bought from the heat pump
According to Smart Energy
Solutions, this advice goes for
any machine in the home that
filters air – from the dehumidifier,
to the range-hood, the
clothes dryer to the heat pump
– keeping the filter clean will not
only save you money in running
costs, but makes the appliance
NZ Heat Pump also recommends
cleaning their filters a little
more often if the unit is close
to the kitchen.
“We find when we do a
yearly service they have a bit
of a grease build up, because
if they’re close enough to the
kitchen and someone’s cooking
with oil, it’s going to get sucked
into the filters.”
This regular clean out isn’t a
replacement for the full service,
which they suggest getting every
12 months, but it can keep
your unit “working efficiently”
when you need it most.
“We don’t recommend older
people getting on chairs to clean
out the heat pump,” the spokeswoman
at NZ Heat Pump said.
“Just if you can reach and
you’re capable and safe, you can
DARK TOWERS: DEUTSCHE
BANK, DONALD TRUMP,
AND AN EPIC TRAIL OF
By David Enrich
The literally unbelievable
story of Deutsche Bank
- a German institution
with a dark history which
expanded into the UK and
US and became desperate
to take on Wall Street.
As they moved away from their
conservative German roots, Deutsche became ever
more reckless and criminal, laundering billions
in Russia, manipulating markets and violating
international sanctions with a total absence of ethics
and morals. It defies belief that they managed to get
away with it for so long.
In order to fuel their ambition they did business
with a man whom every other bank refused to
touch. Donald Trump. This is a mesmerising story of
rapacious corporate greed and a stunning account of
stupidity, lack of judgment, and a world where the
barbarians were well and truly inside the gates.
By Owen Matthews
This is one of those terrific
novels based on real events
- absolutely terrifying real
events as it turns out. Set
in the early 1960s after
his scientists to build the
world’s biggest nuclear
bomb. In the book, a
young KGB officer is
sent to a remote, top
secret city known as Arzamas-16
(which did and does exist although it never appeared
on any maps) to investigate the awful death of a
brilliant physicist. He finds himself in the midst of the
bomb project. Set in the midst of Soviet bureaucracy
and paranoia, it’s a masterpiece of plot and
20 Hamilton greypower Magazine | November 2020
Weaving together the
In a sheltered corner of her Peacocke
property, local weaver Penney Cameron has
spent the past five years cultivating some
of New Zealand’s treasured heritage flax
Sourced from Our Hamilton
Now, support from Hamilton
Peacocke project team
means dozens of cuttings from
her flax will be replanted, as
part of the new roading network,
for the entire community
to enjoy. The Council and the
community are working together
to improve environmental
and cultural outcomes in the
As part of a $290.4m partnership
to build roads and pipes in
Peacocke, Council is working
with Mrs Cameron to create a
paa harakeke (flax garden) using
cuttings from the collection
of heritage flax grown on her
It includes eight varieties
from The Rene Orchiston Collection
of nationally significant
heritage flax, gifted to Mrs
Cameron by Manaaki Whenua
– Landcare Research who are
kaitiaki (custodians) of the collection.
A condition of the gift
is that the flax is shared with
other weavers. “These varieties
are special as they have links to
iwi groups across the country.
There’s a growing community
of weavers in New Zealand and
this paa harakeke means we
can share it with our younger
generations and reach more
people who are interested in
learning this traditional art,”
said Mrs Cameron. The paa harakeke
will be planted near the
site of the new Waikato River
bridge, for weavers to come
and harvest muka (fibres) for
raranga (weaving). It will include
interpretive signage to
celebrate the history of the flax
and its cultural significance to
$50 Adult • $40 Child
$45 Community service card
Removal of wax by micro-suction
0800 327 435
Clinics in Hamilton, Matamata, Morrinsville,
Putaruru, Te Aroha and Tokoroa
Discount for ACC approved patients
Hamilton greypower Magazine | November 2020 21
Image by: Ewan Sargent/STUFF
Here’s how supermarkets
get more of your money
The bag of tricks to get shoppers to spend
at the supermarket is well-used, but we keep
falling for them.
BY MELANIE CARROLL
Sourced from stuff.co.nz
Beyond the psychology,
though, is a lack of competition
that needs to
be scrutinised, says Consumer
The Commerce Commission
conducted a market study into
the retail fuel market, and now
Consumer NZ wants it to use
its powers to investigate supermarkets.
“We’ve got a very, very
concentrated market, one of
the most concentrated in the
world,” said Consumer NZ
head of research Jessica Wilson.
“It hasn’t attracted much
regulatory scrutiny, so our view
is that it is ripe for a really closer
look at what is going on with
prices and whether we’re paying
above the odds.”
New Zealand's supermarket
industry has two main players,
Foodstuffs (which owns New
World, Pak'n'Save and Four
Square) and Countdown, and
the sector has been long been
the subject of political concern.
Many people spent a lot of
their food budget at the supermarket,
“Now that the Commerce
Commission has those market
study powers, we think the
supermarket sector should be
the next cab off the rank looking
at the sector to see how
competitive it is, whether we
are getting the sharpest prices,
or whether concentration in
the market means we’re paying
more than we should.”
A spokesman for Commerce
and Consumer Affairs Minister
Kris Faafoi said supermarkets
had been suggested as a focus
for a market study along with
other sectors, such as construction.
“When the Government is
ready to make an announcement,
Bodo Lang, head of marketing
at the University of Auckland's
Business School, said supermarkets
and other retailers
had many ways to get people
in store, and keep them there
as long as possible.
Stores put the most frequently
bought goods, such as
bread and milk, at the back so
shoppers had to pass a lot of
items they had not planned to
Another common technique
was to use a special sign.
“As soon as something is
labelled with a red border or
a yellow border or something,
immediately it signals this must
be special even though it’s not
at a special price,” Lang said.
Consumer NZ said promotional
flags in stores with phrases
such as Countdown’s “Great
Price” or New World’s “Everyday
Value” were used to highlight
products that had been
the same price for some time.
It also warned shoppers
to beware temptation at the
checkout, with chocolate and
other sugary snacks staples at
checkout displays. Some checkouts
were snack-free, but could
take some effort to find.
Lang said every purchase
should be a trade-off between
quality and price, but instead
most people became brand
loyal, or relied on short cuts to
“Short cuts are a nice way
for the designers of supermarkets
and grocery retailers to tap
into our decision making, using
borders, using products at
eye-level, using familiar brands,
putting products in areas where
there’s much foot traffic.
“For example, the busiest
areas of a supermarket are
generally what’s called the
racetrack, which is basically the
outside aisle around the whole
supermarket, and normally the
middle of the middle aisle is the
The ends of aisles also had
high foot traffic and were
sought after for product displays.
Putting an item next
to a category that was being
bought frequently also increased
For online shopping, the
product placed at the top of a
category would see a big impact
“Shopping online not quite
the same as shopping instore,
but one of the things that is the
same is what you’re exposed to
is a large driver of what you’ll
buy, so if you’re exposed to the
top of the category product
they will sell more units than if
they weren’t there.”
Supermarkets had access
to a wide range of data from
loyalty cards on which to base
their decisions, he said.
Retailers did not provide
misleading information, but
“I know there’s lots of signals
they’re giving me to make it
hard for me to make decisions,
and so therefore I become lazy
as a consumer and I rely on
short cuts which make me buy
stuff I don’t need to buy or it’s
not the optimum product.
“I think most consumers
aren’t particularly analytical, so
they just go to the supermarket
without thinking about the
fact that this is a very expensive
country for groceries, and it’s
generally the second-largest
household expenditure item
that we have, so we should be
much more vigilant.”
Consumers had to be organised
if they wanted to keep
control of their shopping, he
“They can look at the products,
not just the price but
what’s in them - often the
cheapest product isn’t necessarily
the cheapest if you look
at what’s the key ingredient”,
for example water in some
Having a shopping list, and
sticking to it, meant much
better decisions. On the other
hand, going shopping while
hungry, and taking the children
could lead to purchases that
were not ideal, he said.
He also suggested using
price comparisons to pick the
And people who thought
they were immune to advertising
and retailers’ tactics were
“There’s lots of research
that shows particularly people
that think they’re not influenced
by it are particularly
influenced by it.”
22 Hamilton greypower Magazine | November 2020
The tiny tragedy of an old dog’s death
in the days before lockdown
OPINION: It was a
little tragedy in the
scope of things.
BY VIRGINIA FALLON
Sourced from stuff.co.nz
Days before lockdown, I
took my big old dog to
the beach for the last
In one of those happy animal
films she would have raced
along the shoreline barking and
bounding, but in reality she was
sore and I had to help her from
the car. A stranger helped me
load her back in.
It had been brewing, her
death. Somewhere along the
years she had grown old, she
who had always been old.
She had come to me through
a Trade Me ad: “Free huntaway
needs a retirement home”, it
said, although she was only
three. I answered, and she was
dropped off, this old-young lady
with no sense of humour and an
The first night she was with
us we sat and watched her.
“It's like all the fun has been
trained out of her,” one of the
kids said, and they were right.
We used to call her the fun
police because she tolerated
no nonsense whatsoever, and
any frivolity was greeted with a
volley of barks, that huntaway
baying that sounds like a sonic
But she was always the best
In the decade she owned me
I brought home orphan lambs,
goats and the occasional human
child, and she ignored them
There used to be a time when
I was never without her. We
went everywhere together, me
in my gumboots and her strolling
next to me, her yellow eyes
watching for nonsense.
For years, we ran a farm
show for tourists, where I'd wear
a Swannie and she'd bound on
to the lanolin-steeped stage,
barking furiously at the sheep
she was terrified of.
“Huntaways do exactly that,”
I told the tourists, “they hunt
away”, and she lay on a freshly
shorn fleece while the heading
dogs looked on in disgust.
We were a couple of frauds
with our pretend farm. I could
shear a sheep just well enough
to entertain customers, and she
could bark on command.
My farmer mates used to say
she was the worst working dog
ever, and they were right, especially
when she would lie in the
barn, barking at me while I did
She didn’t much care for the
farm, but she loved the beach,
and I loved watching her love it.
This mammoth dog, my big girl,
would race the breaking waves,
hooting and howling, not caring
for the people she passed.
That’s why I took her there at
the end. She was sore by then,
and she’d started slipping over in
the kitchen. I had begun to worry
about the practicalities of her
death – she was 40kg, after all.
It was a Thursday when we
made the trip north, just her and
me. I put a blanket in the back
of the car and packed a bone, a
bowl and a chew toy. She never
liked chew toys.
At the beach she staggered
on shaky back legs down to the
water, limping and hooting, and
then she couldn't get back in the
A man helped me lift her, we
were back on the road, and then
she was gone.
Our family doesn’t talk about
her death. Maybe because it was
such a small thing in the days before
the world changed, or maybe
because it was a harbinger of
a new world where everything
is wrong. Maybe because it just
hurts too much.
But I miss her.
I miss her hooting and her
yellow eyes, and I feel guilty for
grieving when so many lost so
much and I only lost my dog.
I know it's only a small sadness
compared to everything
else but it's mine. Like Poppy
Is New Zealand destined to become a cashless society?
BY ANUJA NADKARNI
Sourced from stuff.co.nz
When Otago University
said it would have a
go at being a cashless
campus for the rest of this year,
it joined a growing list of organisations
and businesses that don’t
want anything to do with physical
money any more.
But in the run-up to the
Covid-19 lockdown, the amount
of cash in circulation increased
by $1 billion, and Reserve Bank
governor Adrian Orr said public
feedback had shown that New
Zealanders want the right to use
So is a cashless society really
inevitable, eventually? Here’s
what you need to know.
Who issues cash?
The Reserve Bank of New
Zealand (RBNZ) is the sole supplier
and manufacturer of New
Zealand banknotes and coins.
The bank acts as a wholesale
distributor to the trading banks
and also withdraws damaged
or unusable notes and coins to
manage the quality of currency
RBNZ also sets the official
cash rate (OCR), which it uses to
It is the rate banks pay the
Reserve Bank (with the addition
of a small margin on top) when
they need to borrow money – essentially
the baseline for interest
rates in New Zealand.
A 2017 survey by RBNZ found
96 per cent of the adult population
used cash. Of that group,
the older you are, the more likely
you are to use cash more frequently.
Can a retailer refuse to accept
Although it is legal tender,
the Reserve Bank says there is no
obligation on any person or organisation
to give out or accept
cash – except to receive payment
for a debt.
What can you do with old
cash you cannot use in shops?
Old or damaged currency
that was legally issued for use in
New Zealand can be couriered
to the Reserve Bank, which will
pay face value for the currency,
as long as the currency is not so
badly damaged that it is unrecognisable.
In 2015, the central bank introduced
a recycling system for
old or damaged polymer notes.
They are destroyed by being
The Reserve Bank says the
shredded notes are then recycled
into plastic products like pot
Continued on page 27
Hamilton greypower Magazine | November 2020 23
AVAILABLE FOR VIEWING
THE RETIREMENT VILLAGE
WITH A DIFFERENCE
MONDAY TO FRIDAY
10AM TO 2PM
CALL AYREN 021 621 377
Corner of Borman Road & Hare Puke Drive, Rototuna, HAMILTON, NEW ZEALAND
For more information please contact us on Freephone: 07 853 2448 or Email: email@example.com
Find us at:
Corner of Borman Road & Hare Puke Drive, Rototuna, Hamilton
Own your retirement
At Karaka Pines Rototuna you receive the sale price of your unit, including the capital gain, less a 12.5 percent
facilities fee and a one-off refurbishment fee. This is in contrast with most villages where you only receive 70 –
80% of your original buy price.
Our excellent standard of service and well-designed village ensure you will be signifi cantly better off than under
the traditional retirement village model. We think this is only fair.
At Karaka Pines Rototuna you will gain the fi nancial benefi t from selling your unit. That is, you receive the selling
price, including the capital gain.
Our fees are:
• A weekly fee to cover the costs of living in the village
• A one-off refurbishment fee covering the cost of bringing the unit to near-new condition
• A one-off facilities fee of 12.5 percent of your selling price.
You can discount the facilities fee to 10 percent of your buy price if you choose to pay this upfront, or another
alternative is that you can fi x the weekly fee at $100/week with the facilities fee at 25% of the sale price.
At Karaka Pines Rototuna you will be better off in every way.
Karaka Pines Rototuna intends to apply for registration of the village under the Retirement Villages Act 2003
Artist impression central community area and bowling green
Quality buildings, thoughtful landscaping, excellent facilities and a top-rate locality. Karaka Pines Rototuna – a place to call home.
Quality buildings, thoughtful landscaping, excellent facilities and a top-rate locality. Karaka Pines Rototuna - a place to call home.
A beautiful place to call Home
Artist impression - Stanaway Apartments
Karaka Pines Rototuna is a retirement village where you will be financially
better off, because you keep the capital gain upon sale. The village will
feature a selection of architecturally designed homes enhanced by beautiful
landscaping. At the hub will be a clubhouse where the village community
comes together for socialising and recreation.
Karaka Pines Rototuna is going to be a beautiful place to call home.
Our range of modern, well appointed, spacious homes are designed for
retirement living. Choose from a range of two or three bedroom homes - stand
alone, duplex or apartment. All this within an aesthetically pleasing village
environment where site management will take care of maintenance and other
concerns and a strong sense of community will thrive.
The community centre overlooks the village bowling green and gardens.
Bowls, petanque, billiards and a gymnasium will be on offer and a communal
area will cater for games, cards, crafts, Melbourne Cup nights and more.
Parks, a golf course, cafes, a supermarket and health care are in close vicinity
with Radius Glaisdale Aged Care facility just across the road.
Artist impression - Stanaway ground fl oor
This is what Home looks like
Just as we recognise that no two residents will be the same, we know housing wants and needs will differ. And so… we’ve ensured Karaka Pines Rototuna offers a
mix of housing options.
Our accommodation comprises a mix of stand-alone houses, duplex units and apartments. Some feature single garages, some double. Some are two-bedroom,
some three, and there are studies too. With the apartments you have a choice of ground or fi rst fl oor. On the ground fl oor you can walk out to your patio and
garden. On the fi rst fl oor, accessed by elevator, you can enjoy the views from a generous deck. Select what sort of home and living style best suits you.
All dwellings are architecturally designed and incorporate a blend of traditional NZ style with modern fl avour. They’re waiting for you to add your individual stamp.
Care means different things to
For the team at Radius Care, it
means everything. So much so that
care is woven right into our name.
From the moment you first
contact us we care for you. We
answer your questions, calm your
concerns and guide you forward.
Then, we provide world-class aged
care for your loved one that places
their quality of life at its heart. That
Because at Radius Care,
caring is our calling.
0800 200 303
Find out more at radiuscare.co.nz
REST HOME, PRIVATE HOSPITAL & DEMENTIA CARE
Leaders in aged care
From page 23
How old does money have to
be before it's not legal tender?
New Zealand banknotes are
issued in series.
Series 1 bank notes, issued in
1934, and Series 2 banknotes,
issued in 1940, were both withdrawn
from circulation in 1982
and are no longer legal tender.
But the Reserve Bank will always
pay face value for the old
Series 3 (issued 1967), 4
(1981), 5 (1991), 6 (1999)
and 7 (2015) of New Zealand
banknotes – $5, $10, $20, $50
and $100 notes – are legal tender,
regardless of how old they
are and their condition.
But the $1 and $2 notes from
Series 3 and 4 are no longer legal
tender as they were replaced as
coins in 1991.
The 5c coin was introduced
when the New Zealand dollar
was introduced on 10 July 1967
replacing the New Zealand sixpence.
On 31 July 2006 it was
eliminated as part of a revision of
New Zealand's coins, and it was
demonetised (no longer legal
tender) as of November 1 that
How much cash do we have
Reserve Bank data show as at
March there was $7.32 billion of
notes in circulation.
This includes the New Zealand
dollar series which began
circulation in 1967 and the LSD
or pounds, shillings and pence,
used before 1967.
The central bank said the cash
in circulation figure published
this year involved a “very significant
uplift” from last year as nervous
households stockpiled cash
in the run-up to the Covid-19
Cash in the hands of the public
was up by just over $1b from
the end of March 2019 to the
end of March this year.
That jump was larger than
trend increases in cash as the
population and economy grew,
and compared to a rise of just
$175 million in the previous 12
Could we become a cashless
Last year, the Reserve Bank
published a paper on the future
of cash, which found New Zealand
could still be far away from
becoming a cashless society.
The bank’s survey of more
than 3000 people found that
while nearly 90 per cent "preferred"
to pay for things electronically,
using cash at least once or twice
in the week before they were
The same proportion –
three-quarters – said they had
some cash in their wallet.
Six per cent of those surveyed
had only used cash in that week.
Despite “unprecedented demand”
for cash, as the Reserve
Bank described it, the use of cash
was discouraged for hygiene reasons
during the lockdown.
Retail banks increased contactless
payment limits from $80
to $200 to reduce the need for
pin pads and spread of the coronavirus.
The University of Otago is
running a trial of operating as
a cashless society, with its cafes
and shops on campus switching
exclusively to electronic payments
for the rest of the year.
University Union general
manager Stephen Baughan said
before lockdown, cash sales
made up fewer than 10 per cent
“Moving to exclusively electronic
payments is something
the union has wanted to do for
some time as there are benefits
for customers and the university,”
In February, Orr said public
feedback on its future of cash
survey showed “enormous” demand
for access and the use of
“It really touched the heart
and soul of an enormous amount
of people. They really wanted the
right… to have access to, and or,
to use cash," he said.
Cash was one of the final
common denominator of people
remaining included in the financial
system, he said. "If you can't
get a bank account, or a credit
card, or access to power, or anything,
you are excluded.”
Hamilton Grey Power Inc.
Celebrating Age Centre, 30 Victoria Street, Hamilton.
Office Hours: 9.30am to noon, Monday to Wednesday.
Phone: (07) 834 0668
Annual Subscription $20 single and $30 double.
Hamilton Grey Power is published tri-annually by
DP Media, 25 Ward Street, Hamilton.
Publisher: Deidre Morris
Advertising: DP Media Ltd
1425, Hamilton, New Zealand
Phone (07) 838 1333 • Fax (07) 838 2807
MRI ULTRASOUND X-RAY CT BONE DENSITY
No ACC surcharge for those aged 65 and over
We provide a walk in service for all x-ray examinations and
urgent diagnostic imaging.
Pacific Radiology operates at four convenient, comfortable
and modern locations with parking at the door.
Call Pacific Radiology on 0800 633 462 for an
appointment today or visit pacificradiology.com
Articles in this magazine are given in good faith by the authors
who have researched all information and believe it to be reliable
and for your enjoyment and information.
Grey Power Hamilton Association or DP Media does not accept
responsibility or any liability for its content.
35 Pembroke Street, Hamilton Lake
21 Von Tempsky Street, Hamilton East
6 Avalon Drive, Hamilton West
14 Dick Street, Cambridge
Hamilton greypower Magazine | November 2020 27
28 Hamilton greypower Magazine | November 2020
Cotta with berries
• 4 leaves gelatine (or 16 grams of granular
• 1 1/2 cups of cream
• 1 ½ cups of milk
• 3-4 tablespoons of liquid honey
• One lemon finely grated zest
• 1 teaspoon vanilla bean paste
• oil for greasing moulds
• moulds 6x (or small teacups)
• 2 cups fresh berries (to serve)
• ¾ cup berry juice (to serve)
1. Roughly break up gelatine leaves, place in a bowl
and cover with cold water. Leave to swell for 5-10
minutes until very soft and pliable.
2. Meanwhile, combine cream, milk, honey, lemon
zest and vanilla in a medium-size saucepan and
heat gently over low-medium heat, until it almost
comes to the boil (do not let it come to the boil).
3. Squeeze liquid from soaked gelatine leaves (they
will be transparent and floppy) and whisk into
hot milk until well combined and the gelatine has
dissolved. Pour into a jug (for easier pouring and
4. Lightly grease moulds or teacups with oil. Carefully
pour mixture into moulds and place in the fridge
for at least 4 hours or overnight.
5. Combine boysenberries with juice in a bowl and
set aside in the fridge to marinate.
6. When ready to serve, you can dip moulds briefly
into hot water for 5-10 seconds and run the blunt
edge of a knife around the edge to separate from
the mould. Place a small serving plate on top of
each panna cotta and invert plate – the panna
cotta should drop out. You can also serve the
panna cotta in a nice glass, with boysenberries
and a drizzle of syrup just before serving.
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Hamilton greypower Magazine | November 2020 29
A view of funeral insurance
An 85-year-old woman who paid $18,900 for funeral insurance worth
just $10,000 has been denied a refund of overpaid premiums by
insurer Fidelity Life.
Sourced from Consumer NZ
The woman took out funeral
insurance in 2003,
paying for cover for herself
and her son. The policy had
a value of $5000 for each life
Over 17 years, the woman
ended up paying $8,900 more
in premiums than the policy
would pay out for funeral
Fidelity Life has since offered
to stop billing her for further
premiums and make the policy
“paid up” to $5,225 for each
life insured. However, it will
not refund premiums that have
been paid above this amount.
No refund policy
Fidelity Life defended its stance
stating, the “policy is working
as it’s designed to, so we’re unable
to offer [the customer] a
It said, “with risk-based
insurance, there’s no money
refundable if the insured risk
doesn’t occur or if the amount
of a claim is less than the premiums
We do not think this argument
Funeral cover is not like other
risk-based insurance products,
such as house insurance.
Your home may or may not
burn down. But funeral insurance
covers a certain event –
everyone is going to die. There
is zero risk it will not happen.
Selling funeral policies
that result in customers paying
thousands more than the
cover will ever be worth does
not wash with us.
Overhyped and oversold
Funeral insurance is heavily
promoted, playing on people’s
fears about being a financial
burden on their families. However,
our research has found it
can be an expensive way to pay
for your final send-off.
Marketing of these policies
also risks misleading consumers
about the cover they’re getting:
policies can require premiums
to be paid until the person
is aged 90 but the lifetime
costs are seldom disclosed.
If customers cannot afford
to keep up premiums, there’s
no refund if they cancel. Most
policies only have a short cooling-off
period after purchase
when the customer can cancel
and get a refund.
If you want to put money aside
for your funeral costs, the simplest
option is setting up a savings
account. You will have control
over your money and get to
keep the interest it earns.
If you are considering funeral
insurance, check the terms and
conditions carefully. Do not buy
a policy that requires you to pay
more in premiums than it will
ever pay out.
We’re pushing for changes
to consumer laws to stop companies
selling funeral insurance,
and other insurance products,
that have unfair terms and provide
poor value for customers.
LET ME HELP YOU
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30 Hamilton greypower Magazine | November 2020
Fruit stacks with
• 2 x 400ml cans coconut cream
• 1 medium ROCKMELON, halved crossways,
• 1 medium HONEYDEW, halved crossways,
• 1/2 whole seedless WATERMELON, rind removed
• 1 medium fig, cut into six wedges
• 1 lime, halved lengthways, pulp reserved
• 1/4 cup finely chopped pistachios
1. Refrigerate cans of coconut cream standing
2. Make coconut cream: Carefully remove lid, scoop
the solid top from coconut cream into a small
bowl of an electric mixer. Reserve remaining
liquid in can for another use. Beat coconut cream
until medium peaks form.
3. Cut melons crossways into 4cm thick slices.
Using a 4.5cm round cutter, cut rounds; you
should get 6 rounds from each fruit.
4. Top each fruit round with whipped coconut
cream. Stack three rounds together. Top fruit
stacks with fig wedge, finger lime pulp and
pistachios. Refrigerate until ready to serve.
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Hamilton EV is the on electric dealership in
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no other dealer will beat us on quality and value,
and yes we do trade Ins as well.
Hamilton greypower Magazine | November 2020 31
the last lap of life
OPINION: The morning we went back to
lockdown one of my many irritating ear worms
sprang to attention. “Let the sunshine in, face
it with a grin,” it goes. You get the picture.
BY ROSEMARY MCLEOD
dredge up the most inane
and random popular music
from the space I call my
mind, never esoteric blues or
Schubert lieder. I’d fail to impress
the elderly groover in the
old folks’ home and then, the
one who wears the natty hat
and carries an acoustic guitar.
Oh, they have a ball there.
They pass the joints round
If ever granny farms have
a sense of humour it’s when
they advertise. I should know
because at our place we’re deliberately
targeted. No-one else
opens their newspaper to everlastingly
find glossy brochures
for places – many places - to
stay and await the final countdown.
The Final Countdown.
And they’re on TV as well.
We now despair of being
glamorous enough for any
granny farm to let us in.
Rosemary McLeod: ''We
now despair of being glamorous
enough for any granny
farm to let us in.''
Can I pose balletically like
the old girl in the ad? There are
photographs of me trying when
I was a kid. I passed grade one
ballet because the examiner
was kind and didn’t laugh.
Then, covered in glory, I
wisely gave up. The old woman
who does the ballet routine
is particularly off-putting. Who
could compete with that? In
real life, ageing is surely more
like being old damask curtains
in the theatre of life, fading,
dusty, and with bits falling off.
You forget how to spell arabesque,
let alone do one. You
Knees play a starring role
in the comedy. People’s names
are a lucky dip, reached for and
remembered at random, mostly
incorrectly. This is especially
so when they’re people you’ve
known for years, close friends,
or your children.
Driving tests loom on the
once-distant horizon, and you
pray they won’t make you drive
on a motorway in case you have
to change lanes.
You’re getting deaf but
don’t mind all that much because
you’ve heard Maggie
May a million times already, and
Continued on page 34
• 120g Butter
• 6 Tbsp Golden syrup or date syrup
• 450g Dark chocolate cut into small pieces
• 250g Plain biscuits
• ½ cup Dried fruit and nuts, chopped (optional)
1. Line a slice tin with tinfoil.
2. Melt the butter and syrup in a large pot. Add
the chocolate and stir until melted, remove from
3. Break the biscuits into small pieces and fold
through the chocolate along with the chopped
dried fruit and nuts, if using.
4. Press evenly into your slice tin, cover and freeze
for at least 6 hours.
5. Cut into pieces, and freeze in a container until
ready for use. Wrap in pretty paper for a gift
32 Hamilton greypower Magazine | November 2020
Live Stronger For Longer
We can Live Stronger! Did you know that strength,
balance & coordination can be improved at any age?
You might also be surprised how much confidence is
gained from being more stable on your feet.
With more confidence
you are more likely
to get out, do
more things you enjoy, increase
interactions with other
people and improve your
quality of life.
About 1 in 4 older adults fall
every year in New Zealand and
of those about 1 in 5 result in
injury, some of them serious.
Yes it could happen to you,
but the good news is there is a
lot you can do to prevent having
a fall including: strength
and balance exercises, managing
your medications, having
your vision checked and making
your living environment
safer. Falling is not a necessary
part of aging.
So where do you begin?
Find a strength & balance class
near you and let’s get moving!
org.nz for the list of approved
classes. Click on ‘Find a class’,
then search within the Waikato
for your town. For more information
please call Steph on
027 419 0068.
By attending a class you’ll
be guided through the most
effective strength & balance
exercises. Rest assured
you don’t have to be fit
already to attend.
There are seated and standing
options and the leader
is there to help you exercise
safely and at your own pace.
Another bonus of joining a
class is motivation. Most people
find exercising with others
and with the guidance of an
instructor much easier than
doing it on their own.
Classes are really fun and
it’s a great way to meet people.
Give us a call and Live
Stronger For Longer!
Live Stronger For Longer
is the nationwide movement,
offering practical information
and advice for older
people on how to minimise
falls while living an active,
The Waikato network of
strength and balance classes is
Strong & Stable, coordinated
by Steph McLennan through
Midland Community Pharmacy
Group, in partnership with
Waikato District Health Board,
ACC and the Primary Health
Hamilton greypower Magazine | November 2020 33
Parliament supports first reading of bill
to raise the minimum residency for
superannuation from 10 to 20 years
A bill proposing a stricter NZ superannuation
has passed the first hurdle in Parliament.
BY COLLETTE DEVLIN
The NZ First Member’s
Bill would mean migrants
to New Zealand
would have to wait longer for
The New Zealand Superannuation
and Retirement Income
(Fair Residency) Amendment
Bill passed its first reading on
Wednesday. If passed, the bill,
proposed by NZ First MP Mark
Patterson, would raise the
minimum residency for super
from 10 years to 20 years, after
age 20. It would also retain
NZ Super age at 65, a universal
entitlement with no means
testing and no surtax.
“Currently, a migrant of
just 10 years’ residency in New
Zealand is entitled to full NZ
Super without any requirement
to contribute to the economy.
This would also apply to an
expat Kiwi who left New Zealand
at age 25 and returned
at age 60 after spending 35
years contributing to another
economy,” Patterson said.
The current coalition agreement
with NZ First means
Labour is committed to leaving
the age at which people
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qualify for NZ Super at 65.
While National supports the bill,
Labour has not committed to
it. National leader Todd Muller
has committed to taking the
party’s plan of increasing the
age of entitlement from 65 to
67 starting in 2037, with incremental
moves until the policy is
in place by 2040.
The Greens are largely for
the status quo, but the party
was interested in exploring
ways to allow flexibility in the
age a person may receive New
Zealand Superannuation. ACT
wants to start immediately, lifting
the age of entitlement to
Super from 65 to 67 years at
a rate of two months per year
finishing in 2032.“While other
parties have advocated raising
the age, means testing and
surtaxing for NZ Super, only NZ
First has consistently addressed
the residency issue as party
policy,” Patterson said. “By
global standards, the current
10 years is a short time frame
for full entitlement to a generous,
universal, non-means tested,
at age 65.”
He said Business and Economic
(BERL) had estimated that
changing the residency requirement
to 20 years would
generate savings of $4.4 billion
over 10 years.
“This proposal contributes
to the sustainability of
NZ Super, but the overriding
goal is fairness to the majority
of hard-working Kiwis who
have lived and worked in New
Zealand their entire lives,”
Glossing over the last lap of life
From page 32
it’s on your ear worm loop.
You somehow doubt that
the people at another TV ad
home would introduce a kitten
to cheer an old woman up, and
lead – amazingly – to an eligible
old man dragging a piece of
crumpled paper with a fishing
line that the kitten chases.
Such matchmaking would
terrify me. Must we find romance
in the stuffy, hothouse
atmosphere of such places,
then, with their bland, pristine
rooms, and must we wear pink
and blue? I couldn’t. Besides,
women must outnumber men
there 10 to one. Every man
must be a Mick Jagger, mobbed
by fans in florals.
There’d be status statements
among the (small) wardrobes
of clothes people wear on their
last journey, garments they
bought because “they’ll see
me out”. I couldn’t hope to
compete with rainbows of pastel-coloured
cashmere, nor can I
think of many old chaps who’d
look credible in the hipster hats
that ads have them wear. These
places must be especially scary
for shy men, always fatally attractive
to domineering women.
They’d need several locks
on their doors. And mace.
The place in the South Island
that springs up on TV ads seems
to be miles from nowhere.
You’d be seeing the same faces
over your single afternoon
gin each day, and isn’t that the
problem with these villages/
homes? What could be more
boring than eternal reminiscing
with people your own age in
the last lap before the tactfully
placed incinerator, to the strains
of Bohemian Rhapsody?
“Old is the New Black”
is one line dreamed up by
youthful copywriters. They lie
through their dental implants,
and they know it.
34 Hamilton greypower Magazine | November 2020
A SHOPPING EXPERIENCE,
NOT TO BE MISSED!
Ciao from the team at Vetro Hamilton.
A pleasant, spacious and relaxed shopping experience
with lovely music and no crowds
Affordable ingredients that provide the ability to really
enhance taste and flavour to many dishes.
Trying new and tasty dishes is not difficult!
Our super friendly staff will happily guide you and give you ideas.
Plenty of off street parking with easy access.
122 Rostrevor Street, Hamilton | 07 974 0415 | vetro.co.nz
THE FUTURE. YOU’RE GOOD.
When you choose a Ryman village, you’re
set. Our Peace of Mind Guarantees are
designed to protect you, so whatever
the future holds, we’ve got your back.
From independent and assisted living to resthome,
hospital and dementia care.
Our deferred management fee is capped at 20%
- one of the lowest in the retirement sector.
Our base weekly fee is fixed for the entire time
you occupy your townhouse or apartment*
*Some conditions apply
Having certainty inspires confidence. It’s just
one of the ways we’re pioneering a new way
of living for a new retirement generation.
We have a range of townhouses and apartments
at our Linda Jones and Hilda Ross villages.
Enquire now for more information or to book a
viewing of our available apartments at Linda Jones.
LINDA JONES VILLAGE
1775 River Road, Flagstaff, Hamilton, 07 853 3382
HILDA ROSS VILLAGE
30 Ruakura Road, Hamilton East, 07 853 6148