Hamilton Grey Power November 2020

production3

Hamilton

magazine

November 2020

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5 Ways to Wellbeing

this Spring

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

company.

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

sessions

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.


Cataract

Surgery

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-

DAY ACTIVITIES.

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

sunlight.

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:

appointments@hamiltoneyeclinic.co.nz

or phone us directly.

130 Grantham Street, Hamilton

www.hamiltoneyeclinic.co.nz


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

garden centre.

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

easy-to-accomplish steps.

You'll be less likely to spend impulsively

on cool-but-unnecessary

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

wallet too.

Gardening experts say

soil preparation is the most

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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.

Be realistic

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

harvested.

Grow with seeds

That doesn't mean seeds only,

but some plants such as beans,

corn, squash, leafy greens, radishes

and cucumbers grow easily

from seed.

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

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.

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6 Hamilton greypower Magazine | November 2020


SuperGold

E-Tricylce: T3

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

www.supergold.govt.nz

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

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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

different today.

Sahera Laing is a mental

fitness consultant, columnist

and speaker based in

North Canterbury.

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8 Hamilton greypower Magazine | November 2020


OFFICE

NEWS

Greetings to you all. Hope everyone is getting

by in these uncertain times.

Hamilton City

Council to use new

voting system

Hamilton’s Mayor and councillors will now be

elected under the Single Transferable Voting

(STV) system.

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

meeting.

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

produces.”

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.

Outstanding Memberships

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.

Energy Payments

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.

Electoral Candidates

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.

Christmas Lunch

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.

Your Magazine

If you have had an interesting experience

(overseas holiday or hobby etc) you are invited

to write an article for our magazine. Makes for

good reading.

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,

life changes.

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

strategy.

“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

family fallouts.”

The motivation

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

place?

Is the arrangement short or

long-term?

“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?

Who pays?

“You do need to talk about

finances, particularly if one

party has mortgage(s) and the

other doesn't, that can be extraordinarily

complex,” said

Atchison.

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

the land.

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

‘cover everything'.

“That can result in elders

having no discretionary income

and having to ask permission

to purchase anything that the

homeowner doesn’t deem as

necessary."

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

somewhere else?

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,”

said Atchison.

“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

sick.

Long-term residential care

and death

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

funding.

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

Ponsonby.

“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,

minimum.”

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

something else.”

Parents will need to think

about whether helping one

child by fund an extension is an

equitable approach.

10 Hamilton greypower Magazine | November 2020


Improve your quality of life

with our new high-tech hearing aids

– Better speech understanding and reduced listening effort

– Rechargeable hearing aids available

Substantial discount on all new orders

– Free accessory with some models*

Users of these high-tech devices report:

• Improved speech understanding • Decreased listening effort

• Improved memory recall

You can now enjoy improved speech understanding in those difficult listening

environments. Our high-tech hearing aids can help reduce listening effort over a very

broad range of environments, empowering users to participate in situations that were

previously too demanding.

Call now to book your appointment

Audiology Suite

27 O’Neill Street, Claudelands, Hamilton 3214

Tel: 07 853 7874 Fax: 07 853 7875

Email: helpmehear@hotmail.com

www.hearinghealth.co.nz

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

double that.

BY ROBERT KELLY

Investigative Writer,

Consumer NZ

A

sizeable chunk of a funeral

bill is likely to be

“professional services”.

This is a catch-all fee charged

by funeral directors that can

include anything from filing

paperwork to using the funeral

home itself.

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

$1860 (Auckland).

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

and paraformaldehyde,

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

Protection Authority.

There are five offshore sites

for sea burial in the New Zealand-exclusive

economic zone.

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

council.

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

the deceased.

• 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

(BDM39).

• 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

form (BDM28)

• A death certificate can

be obtained from Births,

Deaths and Marriages New

Zealand. There is a $33 fee.

Cost confusion

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

recommended legislation

requiring companies to publish

price lists and provide itemised

costs to consumers before services

were delivered. It also recommended

regulating funeral

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

introduced.

Financial assistance

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.

Our advice

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

not comfortable.

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


Tamahere

Eventide

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

Church.

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

Retirement Village

Telephone Versie Gareza on

027 237 1620 for all hospital

enquiries.

Our mission statement:

“ To provide a quality

caring service for

older people, in a

Christian environment.”

Accredited member of the

Retirement Villages Association

of New Zealand Inc.

www.tamahere.co.nz

Hamilton greypower Magazine | November 2020 15


A revolutionary

treatment in women’s

health now available

in Tauranga

• Vaginal itching & burning

• Vaginal Laxity

• Vaginal Dryness

• Painful Sexual Intercourse

• Loss of Lubrication

• Recurrent cystitis

16 Hamilton greypower Magazine | November 2020


YOUR GARDEN

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

AND DISEASES:

General insecticide

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

it.

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.

Powdery mildew

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.

Cabbage worms

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

rises.

Coffee grounds

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.

Banana peels

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

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.

Happy gardening!

(Extract from Cambridge Newsletter

2019 - excellent cost-saving

tips)

Bowen Therapy

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

health therapies.

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

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.

Massage Therapy

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 Therapy

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:

holistictherapies.co.nz

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.


1

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.

2

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

beecard.co.nz.

If you need assistance, give

us a call on 0800 205 305

or visit us at the BUSIT

counter inside the

Transport Centre.

3

USE IT!

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

cosy. Right?

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

pump works.

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

do regularly.

“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

annual services.

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

filters.

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

supplier.

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

safer too.

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

do it.”

Good reads

for the

holidays

DARK TOWERS: DEUTSCHE

BANK, DONALD TRUMP,

AND AN EPIC TRAIL OF

DESTRUCTION

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.

BLACK SUN

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

Khrushchev instructed

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

characterisation.

20 Hamilton greypower Magazine | November 2020


Weaving together the

Peacocke community

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

collection.

Sourced from Our Hamilton

Now, support from Hamilton

City Council’s

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

new neighbourhood.

As part of a $290.4m partnership

with Government

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

2ha property.

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

Peacocke.

$50 Adult • $40 Child

$45 Community service card

Ear Hygiene

Discharging Ears

Removal of wax by micro-suction

100%

CAMBRIDGE OWNED

100%

100%

CAMBRIDGE

CAMBRIDGE

OWNED

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For appointments

0800 327 435

www.earhealth.co.nz

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

New Zealand.

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,

Wilson said.

“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,

it will.”

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

buy.

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

make decisions.

“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

least-frequented area.”

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

sales.

For online shopping, the

product placed at the top of a

category would see a big impact

on sales.

“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

said.

“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

canned goods.

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

cheapest supermarket.

And people who thought

they were immune to advertising

and retailers’ tactics were

kidding themselves.

“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

time.

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

oilskin coat.

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

boom.

But she was always the best

dog.

In the decade she owned me

I brought home orphan lambs,

goats and the occasional human

child, and she ignored them

equally.

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

her job.

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

car.

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

was.

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

cash.

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

in circulation.

RBNZ also sets the official

cash rate (OCR), which it uses to

control inflation.

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

cash?

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

shredded.

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


SHOWHOME OPEN

AVAILABLE FOR VIEWING

THE RETIREMENT VILLAGE

WITH A DIFFERENCE

MONDAY TO FRIDAY

10AM TO 2PM

CALL AYREN 021 621 377

www.karakapinesrototuna.co.nz

Corner of Borman Road & Hare Puke Drive, Rototuna, HAMILTON, NEW ZEALAND

For more information please contact us on Freephone: 07 853 2448 or Email: sales@karakapinesrototuna.co.nz

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

1


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.

on

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.

Pg


Care means different things to

different people.

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.

Compassionately.

Then, we provide world-class aged

care for your loved one that places

their quality of life at its heart. That

never changes.

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

plant holders.

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

currency.

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

year.

How much cash do we have

in circulation?

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

lockdown.

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

months.

Could we become a cashless

society?

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,

three-quarters recalled

using cash at least once or twice

in the week before they were

surveyed.

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

of transactions.

“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,”

Baughan said.

In February, Orr said public

feedback on its future of cash

survey showed “enormous” demand

for access and the use of

cash.

“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

Email: hamgreypower@outlook.co.nz

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

P.O. Box

1425, Hamilton, New Zealand

Phone (07) 838 1333 • Fax (07) 838 2807

Email:

info@dpmedia.co.nz

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appointment today or visit pacificradiology.com

DISCLAIMER:

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.

Pembroke

Von Tempsky

Avalon

Cambridge

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


Honey Panna

Cotta with berries

Ingredients

• 4 leaves gelatine (or 16 grams of granular

gelatine)

• 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)


Method

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

less mess!).

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

July 2020

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

insured.

Over 17 years, the woman

ended up paying $8,900 more

in premiums than the policy

would pay out for funeral

costs.

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

refund”.

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

paid”.

We do not think this argument

stacks up.

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.

Our advice

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.

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30 Hamilton greypower Magazine | November 2020


Fruit stacks with

coconut cream

Ingredients

• 2 x 400ml cans coconut cream

• 1 medium ROCKMELON, halved crossways,

peeled, seeded

• 1 medium HONEYDEW, halved crossways,

peeled, seeded

• 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

Method

1. Refrigerate cans of coconut cream standing

upright overnight.

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 greypower Magazine | November 2020 31


Glossing over

the last lap of life

Chocolate slice

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.

Ingredients

BY ROSEMARY MCLEOD

I

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

after lunch.

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.

There’s another.

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

torture similes.

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)

Method

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

heat.

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!

Visit www.livestronger.

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,

independent life.

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

Organisations.

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

Political Reporter

The NZ First Member’s

Bill would mean migrants

to New Zealand

would have to wait longer for

superannuation.

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,

non-contributory pension

at age 65.”

He said Business and Economic

Research Limited

(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,”

Patterson said.

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


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