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10 signs you’re not on the right financial path

<p>Dreaming of owning a big house, nice car and a boat? Or just having enough cash to be comfortable?</p> <p>Here are 10 signs that you are not (yet) on the path to financial freedom.</p> <p><strong>1. You don't think about ways to make extra money</strong></p> <p>If you are paid a salary and nothing more, you are limited in the ways you can get ahead. The only way to save is to spend less. But if you switch it up and start to look for ways to earn more, your horizons open up. Most of the world's super wealthy have more than one income stream – some of which are usually passive, requiring no regular input. This could be something such as rental income from an investment property or the sale of a product such as an ebook. Add in some sensible savings habits and you will be on your way.</p> <p><strong>2. You leave your savings in a savings account</strong></p> <p>If you stick your cash in a savings account, it is basically doing nothing. You are better to look at ways to put that money to work. You could put it in a managed fund, buy shares or even lend it out via a peer-to-peer platform, to get a better return. Make sure you get good advice to understand what you are doing.</p> <p><strong>3. You borrow to buy</strong></p> <p>Borrowing to buy a house is fine. Borrowing to buy a car is (generally) not. If you are putting all your purchases on finance or credit card and paying them off with high rates of interest, you are pouring money down the drain. Live within your means if you want to get rich.</p> <p><strong>4. You don't know where your money goes</strong></p> <p>The first step to getting on the right track is to have a clear idea of what you're spending money on. If you don't know, chances are you're wasting it.  Have a look through your recent bank statements, draw up a budget. Stamp out some discretionary spending and you'll have more of that money to put to work that we mentioned earlier.</p> <p><strong>5. You're putting off planning for your retirement</strong></p> <p>If you think you are too young to have to worry about the future, you are doing yourself a huge disservice. When you are working towards a long-term financial goal, such as retirement, time is a huge asset to have on your side. The power of compounding means that any returns you make in a vehicle such as your KiwiSaver account then attract their own returns, over and over each year until you withdraw the money. The later you start saving, the more of that compounding power you miss.</p> <p><strong>6. You hate risk</strong></p> <p>It is great to be careful with your money but if you never take a risk, you miss out on returns. Over the long term, the biggest gains are usually from riskier investments, such as equities. You may also find ways to wealth by getting out of your comfort zone. Quitting your job and starting a new business is risky and scary, but could pay off if you have planned it well and know your stuff.</p> <p><strong>7. You don't have a plan</strong></p> <p>If you don't know how you're going to get rich, it probably isn't going to happen. Write down your goals. What do you want to achieve this week, month and year? What about in 10 years? If you can, identify someone who is in a position you'd like to get to and find out what they did to get there. Work out what you need to do to follow suit and break it down into small, achievable steps.</p> <p><strong>8. You don't pay yourself first</strong></p> <p>If you have decided to save money and think you'll just put aside everything that is left in your account at the end of the month, you will be horribly disappointed. This method almost always fails because there is invariably nothing left. Pay yourself first. Using your budget and plan, put aside the amount that you have worked out you can afford to save as soon as you get paid, and then live off the rest.</p> <p><strong>9. You think you're bad with money</strong></p> <p>It's a self-fulfilling prophecy. If you think you are bad with money, you won't pay any attention to your finances and they will get out of control. Stop thinking money is some sort of secret club that you could not possibly understand. Everyone can get a handle on it.</p> <p><strong>10. You don't know the basics</strong></p> <p>But having said that, it's important to get a good knowledge of the basic stuff. If you are not clear how your credit card works, or how your mortgage interest is calculated, get someone to help you break it down and bust the jargon. Websites such as Sorted have good tools or you can seek financial advice from your bank or an adviser.</p> <p><em>Image credits: Shutterstock </em></p> <p><em>Written by Susan Edmonds. First appeared on <a href="http://www.stuff.co.nz/" target="_blank" rel="noopener"><strong><span style="text-decoration: underline;">Stuff.co.nz</span></strong></a>. </em></p>

Money & Banking

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The path to better hearing, today

<p>In 1902, Princess Alexandra of Denmark, who would very soon become Queen Consort of the United Kingdom alongside King Edward VII, found herself enraptured by a fascinating new device that was fast becoming the talk of Europe.</p> <p>The young princess had been fitted with one of the world’s first portable electric hearing aids, and it proved to be a life-changing success.</p> <p>Back in Denmark, the impact of this event became a clarion call to one Hans Demant, a bicycle manufacturer and purveyor of sewing machines. His wife, Camilla, also suffered from severe hearing loss and so, after a determined journey to London, Hans returned with a precious electric “Acousticon”.</p> <p>Witnessing Camilla’s progress served as a source of inspiration for Hans to extend his assistance to a broader community of individuals suffering with hearing loss, and so he initiated the import of hearing devices from America. In 1904, Hans Demant founded the company that would later become known as <a href="https://www.oticon.co.nz/">Oticon</a>, a name now synonymous with cutting-edge hearing solutions, paving the way for the modern hearing aids we know today and bringing new-found joy to millions worldwide.</p> <h3>Hearing health</h3> <p>Hearing health is a such critical aspect of our overall well-being, yet it often goes overlooked until problems arise. In New Zealand, hearing issues affect a surprisingly large portion of the population, with a 2022 EHIMA report estimating as many as one in ten New Zealanders are living with hearing loss. Sadly, a lack of awareness can lead to irregular hear- ing check-ups, which in turn leads to delayed diagnosis and treatment.</p> <h3><img class="alignnone size-full wp-image-50616" src="https://oversixtydev.blob.core.windows.net/media/2023/11/miniRITE_R_H1-2023_RightLeft_C090ChromaBeige_LEDgreen_Speaker60_OpenBassDome_500pctSize_w_shadow_1280.jpg" alt="" width="1280" height="642" /></h3> <h3>A new world of sounds</h3> <p>A far cry from the bulky hearing aids of over a century ago that were hailed as a miracle in the press and transformed Queen Alexandra’s life, the pinnacle of today’s devices – such as <a href="https://www.oticon.co.nz/hearing-aid-users/hearing-aids/products/real" target="_blank" rel="noopener">Oticon Real™ hearing aids</a> – continue to change the way we experience the world of sound.</p> <p>With their advanced processing capabilities and state-of-the-art technology, Oticon Real can help get back the real sounds of life, precise and optimally balanced, whether it’s the laughter of grandchildren, musical notes or simply the rustling of leaves in the wind.</p> <p>One of the standout features of Oticon Real hearing aids is a unique technology called Deep Neural Network (DNN). This built-in intelligence has learned to recognise all types of sounds, their details, and how they should ideally sound. This means they can instantly adapt to changes, keeping you at your best wherever life takes you.</p> <p>By analysing and adjusting to your environment, Oticon Real hearing aids ensure that they provide what you need to hear. They do this by reducing background noise, which can help enhance speech comprehension and allow you to engage effortlessly in conversations, even in noisy settings.</p> <h3>Connection is key</h3> <p>In today’s digital age, connectivity is paramount, and Oticon Real hearing aids certainly rise to the challenge, offering seamless connectivity to compatible* smartphones and other Bluetooth-enabled devices. You can effortlessly stream phone calls, music and other audio directly to your hearing aids, vastly enhancing your listening experience.</p> <h3><img class="alignnone size-full wp-image-50617" src="https://oversixtydev.blob.core.windows.net/media/2023/11/Oticon_Real_Still_Life_miniRITE_R_Wallet_JBS_24873_1280.jpg" alt="" width="1280" height="863" /></h3> <h3>Improved quality of life</h3> <p>Perhaps the most significant benefit of Oticon Real hearing aids is their positive impact on your quality of life. Improved hearing can lead to increased social engagement, better relationships and enhanced overall well-being. With the help of Oticon Real, you can participate more actively in social gatherings, make the most of your favourite activities and feel more connected to the world around you.</p> <p>Oticon Real hearing aids aren’t just devices; they are a life-changing gift that allow you to reconnect with the sounds and people you love. No longer are they fit just for a queen; they are readily available to anyone with the need and the longing to be truly present for life’s most cherished moments.</p> <p><em>For more information and to find your nearest hearing clinic, visit <a href="https://www.oticon.co.nz/" target="_blank" rel="noopener">oticon.co.nz</a></em></p> <p><em>*For information on hearing aid and device compatibility, visit <a href="https://www.oticon.co.nz/compatibility" target="_blank" rel="noopener">www.oticon.co.nz/compatibility</a></em></p> <p><img class="alignnone size-full wp-image-50618" src="https://oversixtydev.blob.core.windows.net/media/2023/11/Oticon_Real_miniRITE_R_9_colors_lineup_1280.jpg" alt="" width="1280" height="125" /></p> <p><em>All images: Supplied.</em></p> <p><em>This is a sponsored article produced in partnership with Oticon.</em></p>

Hearing

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Why it’s so difficult to figure out what to do with your life – and three steps to take

<p><em><a href="https://theconversation.com/profiles/marina-milosheva-1337343">Marina Milosheva</a>, <a href="https://theconversation.com/institutions/edinburgh-napier-university-696">Edinburgh Napier University</a></em></p> <p>What do you want to be when you grow up?</p> <p>Practically from the moment you start talking, you’re asked this question. As a child, you’re encouraged to make decisions about school subjects, activities and higher education, all in pursuit of a future career.</p> <p>These decisions, which have major repercussions for how the rest of your life will unfold, <a href="https://www.theguardian.com/careers/young-people-take-career-decisions-too-early">are often hastily made</a>.</p> <p>Careers advice can be challenging to navigate and tends to focus on <a href="https://www.bi.team/blogs/moments-of-choice-how-young-people-make-career-decisions/">“moments of choice”</a>: those crucial transition points at which you need to make career decisions, such as when leaving secondary school.</p> <p>However, <a href="https://www.careersandenterprise.co.uk/media/m31lm1qo/moments_of_choice_report.pdf">“moments of inspiration”</a> are equally important. These are the times in which you are free to reflect on what you would really like to do, free of pressure or external influence.</p> <p>Many young professionals in their 20s and 30s find themselves trapped in the wrong job. Some feel unfulfilled, while others feel that they are overeducated and that <a href="https://news.sky.com/story/millions-stuck-in-the-wrong-job-study-finds-10968708">their talents are underutilised</a>.</p> <p>According to the latest figures from the Office for National Statistics, one in three graduates are <a href="https://www.ons.gov.uk/news/news/oneinthreegraduatesovereducatedfortheircurrentrole">overeducated for their current role</a>. By 2030, things are expected to tip in the other direction: the rapidly changing work landscape might cause millions of UK workers to become <a href="https://www.mckinsey.com/featured-insights/future-of-work/the-future-of-work-rethinking-skills-to-tackle-the-uks-looming-talent-shortage">underskilled</a> in digital, decision-making, communication and leadership skills.</p> <h2>Why is it so hard to figure out what to do with your life?</h2> <p>Career decisions are a balancing act. You have to align your interests and aptitudes with the current demands of the labour market, neither of which are static entities.</p> <p>Your skills and interests (<a href="https://onlinelibrary.wiley.com/doi/abs/10.1002/9781118970843.ch53">and to some extent, even your personality</a>) change over time, and the labour market is in a constant state of flux. The pandemic-related increases in vacancies in <a href="https://commonslibrary.parliament.uk/how-has-the-pandemic-affected-industries-and-labour-in-the-uk/">certain sectors</a> and the potential effect of automation on the <a href="https://www.pwc.co.uk/economic-services/assets/international-impact-of-automation-feb-2018.pdf">displacement of jobs in others</a> are just two examples of labour market trends that you may need to consider.</p> <p>Here are three ways to figure out what you want to do with your life.</p> <h2>1. Set a career goal</h2> <p>While many people conflate the terms <a href="https://napier-repository.worktribe.com/output/2747064/new-information-literacy-horizons-making-the-case-for-career-information-literacy">“work” and “career”</a>, I take care in my research to distinguish between them. While work refers to employment, career is something different. It is a continuing personal development project.</p> <p>It begins not on the first day of a new job, but by setting career goals. These goals depend on your strengths and interests and, above all, on your values.</p> <p>There are many ways to approach the task of goal-setting, either on your own or with the help of others. As a starting point, you could complete a career quiz (such as this fun one called <a href="https://animalme.myworldofwork.co.uk/">Animal Me</a>) or reflect on where you see yourself in five or ten years.</p> <p>Consider what you most enjoy doing and what you excel at. What tasks and experiences do you find most fulfilling and rewarding?</p> <p>If you don’t know your strengths or what you might enjoy doing, talk to others who know you well. Family members, friends and coworkers may be able to help you see yourself and what you bring to the table through their eyes.</p> <h2>2. Make a plan</h2> <p>The next step is to gather information on how you can achieve your vision, and set milestones along the way.</p> <p>If you’re looking to change career direction, you would first need to find out if you need training, work experience or further education. You would then need to identify specific companies or institutions in your area that match the criteria you have set out in your plan.</p> <p>If you’re after a more minor career adjustment, you might have fewer steps to go through. You could consider different roles that you are already qualified to do, or look through the job openings at your current company.</p> <p>If you feel stuck, you can get in touch with your local career service for free and impartial career information, advice and guidance. In the UK, these are the <a href="https://nationalcareers.service.gov.uk/">National Careers Service</a> (England), <a href="https://www.skillsdevelopmentscotland.co.uk/what-we-do/scotlands-careers-services/our-centres/">Skills Development Scotland</a> and <a href="https://careerswales.gov.wales/">Careers Wales</a>.</p> <p>And if you’re feeling bold, you could also contact people who are in your dream job and ask them how they got there.</p> <h2>3. Find decent and meaningful work</h2> <p>Until you figure out that dream role, you should try to look for what careers scholars such as <a href="https://careerguidancesocialjustice.wordpress.com/2021/08/24/everyone-has-a-right-to-a-decent-and-dignified-life-that-includes-a-meaningful-career-an-interview-with-david-blustein/">David Blustein</a> and <a href="https://iep.utm.edu/sen-cap/">Amartya Sen</a> have described as decent and meaningful work.</p> <p><a href="https://www.frontiersin.org/articles/10.3389/fpsyg.2016.00407/full">Decent work</a> upholds the basic principles of social justice and human rights. You will know that you are in a decent job when you are fairly compensated, your role is not precarious, and work does not make you chronically stressed or ill.</p> <p>Meaningful work is aligned with your values and lets you achieve the kind of life that you value. Any work can be meaningful work, as long as it is compatible with what you consider to be important.</p> <p>A meaningful job can be one that allows you to have a good work-life balance, or one that comes with high pay. It could be a job that helps others, or one that lets you express yourself creatively. It could also be a job that facilitates your personal growth or a job that contributes to the greater good.</p> <p>Career planning takes time, but so does being stuck in the wrong job. British people spend an average of <a href="https://www.independent.co.uk/life-style/british-people-work-days-lifetime-overtime-quit-job-survey-study-a8556146.html">3,507 days at work</a> over their lives. Why not spend that time doing something you love?<img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/209266/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><a href="https://theconversation.com/profiles/marina-milosheva-1337343"><em>Marina Milosheva</em></a><em>, PhD Candidate, Social Informatics, <a href="https://theconversation.com/institutions/edinburgh-napier-university-696">Edinburgh Napier University</a></em></p> <p><em>Image credits: Getty Images</em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/why-its-so-difficult-to-figure-out-what-to-do-with-your-life-and-three-steps-to-take-209266">original article</a>.</em></p>

Caring

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How an inspired moment led to a creative new path after retirement

<p>Seventy-year-old Bruce Blomfield is an inspirational character who decided to pursue his passion for yoga when he retired. Here 54-year-old yoga instructor, Tracy Adshead, interviews Bruce about his story and why he thinks that yoga offers something for everyone.</p> <p><strong>Tracy:</strong> How did it all start?</p> <p><strong>Bruce:</strong> When I decided to retire in 2014, I joined a yoga group on a trip to Nepal, where we assisted with resource development in a remote village and also practiced yoga with the spectacular Himalayas as a backdrop. Our yoga teacher on the trip was very enthusiastic about the success she was having with her chair yoga classes for seniors in her Australian hometown. This got me thinking – maybe this was something I could work toward as a retirement pursuit and offer as a service to other seniors in my community.</p> <p><strong>Tracy: </strong>As someone over 60 were there any particular challenges to completing the teacher training?</p> <p><strong>Bruce:</strong> I had a ‘mid-life crisis’ about 20 years ago and changed career direction, this entailed quite a bit of academic study which I thrived on. However, when I launched into the academic content of the yoga teacher training, along with the physical and emotional challenges, the brain took some ‘serious encouragement’ to take up the challenge; bit of a wake-up call. My brain believed it had been pensioned off!</p> <p>Anything worthwhile requires effort and the teacher-training programme certainly endorsed this! Squatting on the floor for long periods with my old bones was interesting and it quickly forced my brain and body out of retirement mode. Physical, mental/academic and emotional challenges meant I had to dig deep but the rewards have been enriching in every way – new friendships, a renewed personal commitment and confidence.</p> <p>What I experienced was an ongoing ‘tension’ between challenging myself with new mental, emotional and physical tasks whilst at the same time needing to offer myself, and my body forgiveness, along with a lot of self-love, when some parts were out of reach!</p> <p><strong>Tracy: </strong>Have your experiences of teaching or practicing yoga changed your view of ageing at all?</p> <p><strong>Bruce:</strong> I took up yoga about 14 years ago largely due to injuries from a 30+ year farming career – including a hip replacement. As I age and my yoga journey progresses, I gain great confidence and solace from the physical and mental benefits that yoga provides me with. Yoga offers something for everyone – there is no need to vegetate due to restricted mobility, or some form of physical incapacitation. I believe now that ageing does require you to maintain a certain non-judgemental demeanour about yourself as you stumble through.</p> <p><strong>Tracy:</strong> What advice would you offer anyone approaching retirement about pursuing a new venture?</p> <p><strong>Bruce:</strong> Probably for the first time in your life you can really ‘go with the flow’ – if you have a passion for something - give it a shot. Whether it works or not the experience is a huge growth curve – you learn so much about yourself. Maintain self-love it will bring you contentment, as I mentioned - anything worthwhile requires effort! Take a deep breath and give it a go.</p> <p><strong>Tracy:</strong> What are you up to when you're not teaching yoga?</p> <p><strong>Bruce:</strong> My wife and I have three children and six grandchildren who are a big part of our lives. We like to travel each year and spend time with friends. I also read, swim and have a gym routine which I practice on a regular basis. And of course now I’m very involved in my community teaching Chair Yoga at our local retirement village. I’m not sure who motivates who – but we have a blast during these classes!</p> <p><em>Images: Getty</em></p>

Retirement Life

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Couple with the same name share the story of their unique path to love

<p>Married couple Nunzia and Nunzio Varricchio took sharing to the extreme on the day of their births. </p> <p>With matching Christian names, the pair were born with mere hours between them in the same Italian village, with the same midwife overseeing both occasions. </p> <p>As their daughter, Vicki Brunello, explained to<em> 7 News</em>, “[the midwife] happened to be Dad’s grandmother. She delivered my dad, hopped on her bike, and a few hours later she delivered my mum.”</p> <p>Apparently, that same grandmother had joked that she’d found her grandson a girlfriend. And although she hadn’t been (entirely) serious at the time, it turns out she’d been right on the money. </p> <p>Cut to 15 years later, when Nunzio decided that he’d ask his partner-in-name to be his girlfriend - just as his grandmother had predicted. </p> <p>Nunzio believed that it had been “love at first sight”, although it seems that Nunzia didn’t quite share his opinion. Although she did eventually fall for him, it took “a little bit of time” to get to the same point. </p> <p>As she put it, “I didn’t say yes straight away.” </p> <p>Nor did the couple make it official immediately. Nunzio and his family actually moved to Australia in the 1960s, far from the village where the two had grown up. </p> <p>He made the decision to farewell Nunzia before he joined his family overseas, and while he might have been hoping for a sweet moment for the subject of his affections, Nunzia - once again - had other ideas. </p> <p>He had hoped to give her a kiss, even going so far as to tell her as much, but as Nunzia explained, “I said ‘forget about it’.” </p> <p>And as she added, she’d even threatened to throw a bucket on his head, far from the heartfelt goodbye he’d envisioned. </p> <p>Nunzia was determined not to be forgotten, and Nunzio was in no position to do so. Writing to her regularly, he told her all about his new life in Australia, and although she took “a little longer” to respond to him, she still did, with the two remaining in constant - if not a little irregular - contact. </p> <p>But even Nunzia couldn’t play hard to get forever, and at just 21 years old, she packed her bags and moved to join Nunzio in Australia, with the couple marrying soon after. </p> <p>However, their shared history decided the time had come to cause a little chaos, with Australian authorities assuming they’d made a mistake on their paperwork while registering their marriage. </p> <p>The issue? The similarities in their applications - their matching names, birthdays, and places of births. It was one they unfortunately encountered again when trying to organise passports. </p> <p>As for problems with their life, neither had anything to report - nor did their three children and six grandchildren, who claimed they’d never so much as seen the 80-year-old Nunzio and Nunzia argue. </p> <p>Nunzio put their success in marriage down to their amicable conflict resolution strategy, and explained that after their wedding, his wife had informed him to “keep quiet” if she started arguing while upset. </p> <p>From there, he said, they simply “cool down and we don’t argue.” </p> <p>“Dad’s a big softie,” daughter Vicki added, “you know, and there’s a lot of love.” </p> <p>“We’re very happy,” Nunzia agreed. </p> <p><em>Images: 7 News</em></p>

Relationships

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“There are different paths to justice”: Former choirboy’s father takes George Pell to court

<p dir="ltr"><em>Content warning: This article includes mentions of child sexual abuse (CSA).</em></p> <p dir="ltr">The father of a former choirboy allegedly abused by George Pell has launched a civil case against the cardinal and the Catholic Church.</p> <p dir="ltr">After being convicted of abusing two choirboys during his time as archbishop of Melbourne in the 1990s, Cardinal Pell was acquitted by the High Court in 2020, having served 13 months in prison before gaining his freedom.</p> <p dir="ltr">The father of one of the victims, who died of a drug overdose in 2014, was told about the alleged abuse by police a year after his son’s death, according to the <em><a href="https://www.abc.net.au/news/2022-07-14/george-pell-father-former-choirboy-civil-action-cardinal-church/101236968" target="_blank" rel="noopener">ABC</a></em>.</p> <p dir="ltr">He has now launched legal action against Cardinal Pell and the Catholic Archdiocese of Melbourne in the Supreme Court of Victoria for “damages for nervous shock” that were related to finding out about the allegations, according to the statement of claim lodged in court.</p> <p dir="ltr">The father, who cannot legally be named and has been given the pseudonym RWQ, and his solicitors from Shine Lawyers claim Cardinal Pell and the Archdiocese were negligent.</p> <p dir="ltr">They allege the cardinal is liable for RWQ’s mental injury because it would have been reasonably foreseeable that he would suffer from nervous shock after learning of the alleged abuse, and that the Archdiocese breached a duty of care to him.</p> <p dir="ltr">RWQ is claiming general damages, and special damages, and seeking compensation for “past loss of earning capacity and past and future medical and like expenses”, though the sum he is seeking will only be revealed if the matter goes to trial.</p> <p dir="ltr">Lisa Flynn, the Chief Legal Officer for Shine Lawyers, said the separate criminal case and High Court proceedings involving the cardinal won’t affect the civil case.</p> <p dir="ltr">“The High Court made some decisions in relation to the criminal prosecution against [George] Pell, our case is a civil case against George Pell and the Catholic Archdiocese,” she explained.</p> <p dir="ltr">“There are different paths to justice.”</p> <p dir="ltr"><em><strong>If you are in need of support you can contact Lifeline on 0800 54 33 54, or Safe to Talk on </strong></em><strong><em>0800 044 334</em></strong><em><strong> for support relating to sexual abuse.</strong></em></p> <p><em><span id="docs-internal-guid-29894822-7fff-f6d2-d796-7d1247c92283"></span></em></p> <p dir="ltr"><em>Image: Getty Images</em></p>

Legal

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The end of a journey is the beginning of another

<p><em><strong><img width="169" height="169" src="https://oversixtydev.blob.core.windows.net/media/38416/michael-knight-image_169x169.jpg" alt="Michael Knight Image" style="float: right;"/>Michael D. Knight is a 66-year-old baby boomer who found new vitality after forced retirement due to injury by writing children's books. He is the author of several published (Amazon) books in the style of Enid Blyton. His day is filled with allowing my imagination to run wild and free.</strong></em></p> <p>Having to retire at 65 due to a back injury came as a huge shock, it was completely unexpected, and I was unprepared for such a dramatic change in my thinking and my lifestyle. </p> <p>One of the biggest hurdles I had to overcome was what to do with all this time I had on my hands. The nature of my back problem prevented me from any form of work at this stage, and my mental state suffered accordingly.</p> <p>What to do with myself? Except to firstly stop feeling sorry for myself. Negative thoughts only promote an “I can't” attitude. I had been a professional counsellor and a vocational rehabilitation consultant, so taking on some part-time work as a counsellor was always an option. But right at this moment, my heart wasn’t in it. No good for me, and certainly no good for any client.</p> <p>As the weeks turned into months, I allowed myself to simply drift from day to day. A turning point came as I walked through a big department store's book department, I remember, noticing in particular, that while there was plenty of activity in the main sections of the department, the children's section was empty. As I made my way past rows and rows of children's books, I couldn’t help noticing how inappropriate some of the titles appeared to me, (some of the wording I wouldn’t even repeat here). Curious, I inspected the contents of some of these books more closely. </p> <p>Now I'm too much of an old-school guy to write here what I was actually thinking, but the words, inane, inappropriate, confused and utter rubbish quickly and easily came to mind. Couple this with poor English… well, you get the drift.</p> <p>Pfffft, I thought walking away. These thoughts stayed with me for several days, I spoke to many people, including young parents after this, I found most of them in agreement with my view.</p> <p>Whatever happened to the beautiful children's stories of Gibbs, Dahl and the immortal Enid Blyton and so many other excellent and imaginative writers?</p> <p>About a week later, I recall, I was at home reorganising my office when I came across my copy of Blyton's timeless “The Enchanted Wood.” I settled down and flicked through the pages of this tale of wonder and imagination. I was easily transported back in time, back into the world of Jo, Bessie and Fanny and their adventures with Moon-Face, Silky the fairy, the old Saucepan Man and of course Mr Whatzisname.</p> <p>What a terrible shame I thought, that so few writers write this way anymore, pure unadulterated fun and adventure with the most unlikely of characters and heroes. Captivation, in the most wonderful way.</p> <p>My thoughts drifted to many years earlier when I was still at school. I remember an essay assignment from my English literature master. I also remember the utter disbelief when I achieved an ‘A+'. A rare event indeed! More chance of me doing the Moonwalk on Mars, I would've thought.</p> <p>After that, I occasionally wrote, purely for fun though. Although one simple effort was rewarded with publication when I was 14. Wouldn’t it be terrific I thought, to attempt to write a simple children's story in the style of the wonderful Enid Blyton? I certainly have the time now, and it would keep me off the streets and out of trouble. Why not?</p> <p>So my first story was conceived and the first of my Tales from the Oakwood, “Tinsels Birthday Adventure,” was born. I received some pretty good reviews which prompted me to write a second and then a third, “The Story of Bebe the Teddy Bear.” And “Phoebe the Dragon.”</p> <p>I’m now working on my fourth Oakwood book. As yet untitled, this story will bring all my previous characters together and introduce some new ones.</p> <p>I'm really happy where this has gone, I've found it all so very rewarding. My aim had been simple, to write stories that would engage a child's imagination as well as introducing them to a wider vocabulary, to morals, fun and adventure. Old fashioned thinking? You be the judge.</p> <p>When I write, it fills my days with enjoyment, excitement and fun, and when finished and published my sense achievement is complete… until the next time!</p> <p>So, one doesn’t know what can be achieved unless one tries. As Nike say… Just do it!</p> <p>All my books are available through <span style="text-decoration: underline;"><strong><a href="https://www.amazon.com/Michael-Knight/e/B01JYEQF4C" target="_blank">Amazon</a></strong></span>.</p> <p><em><strong>Do you have a story to share? <span style="text-decoration: underline;"><a href="http://www.oversixty.com.au/community/contributor/community-contributor/" target="_blank">Write for Over60 here.</a></span></strong></em></p>

Retirement Life

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How to clear a path to less stress

<p>I've got a date with a garden skip this weekend, to remove the growing pile of bark, leaves, weeds and soil that's been jarring my vision since we decided to 'clean up' our garden a few weeks ago.</p> <p>I'm excited. Not about playing with thorns or getting my trainers dirty. It's just that this burgeoning mound of waste may as well be sitting squarely on my brain - it's taking up that much head space: a clear-cut case of matter over mind.</p> <p>I'm sure I'm not alone in being bugged by such seemingly innocuous things.</p> <p>It's often said a cluttered environment can clutter the mind. And anyone who likes a sense of order - things in their rightful place - will relate.</p> <p>Whether it's clearing bills off the table or finding a home for your children's artistic masterpieces, or making space in the drawer for one extra cake container, keeping on top of things at home could be one small way to keep your stress in check too.</p> <p><strong>Does mess create stress?</strong></p> <p>There'll be countless people who couldn't care less about tidy surfaces and won't be introducing the Dewey Decimal System to their bookshelf any time soon.</p> <p>But whichever camp you're in, there's been evidence over the years linking our environment to our levels of stress, wellbeing, and general behaviour too.</p> <p>Studies done by the UCLA's Centre for the Everyday Lives of Families (CELF), found women who described their homes as messy or chaotic actually had flatter levels of cortisol - an indicator of stress.</p> <p>"They also tended to show greater increases in depressed mood across the day, consistent with greater fatigue in the evening and a more difficult transition from work to home," the authors said.</p> <p>In contrast, women who spoke more positively of their yards and outdoor features and who used words connoting relaxation at home - well their cortisol slopes showed less stress.</p> <p>In this study women were more sensitive to their home environment than men, suggesting they may feel a greater sense of responsibility for the home (eg. feeling guilty about clutter).</p> <p>Further investigations found that managing the volume of possessions in middle-class homes was such a crushing problem that it elevated levels of stress hormones for mums.</p> <p>Only 25% of garages could be used to store cars because they were so packed with stuff.</p> <p>Authors said the sheer volume of objects clinging to a fridge door - from the plumber's phone number to the date of the next doctor's appointment - may indicate how much clutter can be found throughout your home. Furthermore that clutter provides clues as to how much stress mums feel when they walk through the door after a day at work.</p> <p>Another study by the University of Minnesota looked at the impact of ordered and disordered environments and found that order leads to "desirable, normatively-good behaviours", encouraging healthfulness, generosity and a mindset of tradition and convention.  </p> <p>"Sitting in a tidy room led to healthier food choices and greater financial support of charitable institutions, relative to sitting in a cluttered room," the authors noted. Yes, they tested specifically for these things.</p> <p>But in a lucky stroke for the disorganised amongst us, the same study found that physical disorder serves a different sort of purpose. It leads to enhanced creativity, an appreciation for novelty and a mindset of unconventionality. What that means is that people can harness the power of each environment to achieve their goals.</p> <p>So if you're looking for a future in culture, business or the arts, then a dishevelled dwelling might be just the inspiration you need.</p> <p>"Many creative individuals with Nobel prizes and other ultra-prestigious awards prefer - and in fact cultivate - messy environments as an aid to their work," said the authors. One such person was Einstein, who famously quipped, "If a cluttered desk is a sign of a cluttered mind, of what, then, is an empty desk a sign?"</p> <p><strong>Is it time for a spring clean?</strong></p> <p>Kiwi author and life coach Sarah Laurie sits clearly in the 'tidy home, clear mind' territory.</p> <p>"When we introduce order, rituals and a touch of gorgeousness to our spaces, I'm quite sure that this extends to other areas of our life," she says.</p> <p>"We may see greater opportunities at work, increased connectedness in our relationships or increased wellbeing. Clean, fresh and gorgeous is good for us!"</p> <p>Laurie's advice for anyone wanting more order in their life, is that cleaning up is the easy part - keeping it that way is more challenging.</p> <p>"It's key to work out what our triggers are, that return us to disorder. Perhaps it's rising too late in the mornings and having to rush, or not putting things away when we're finished, or dropping our clothes on the floor at the end of the day or as we change outfits, or running out of groceries, or a filing system that doesn't work [or no filing system], or failing to plan the day? </p> <p>"There are so many little, seemingly inconsequential habits that erode our opportunity to maintain a good rhythm. When we know them, we can address them - just one at a time."</p> <p><strong>Laurie's top five tips:</strong></p> <p><strong>1. Make your bed</strong>. As soon as you rise, make your bed and your body will step into 'organised' mode.<br /><strong>2. Write a list each morning [with a pen].</strong> Writing is a left-brain activity, so it gives structure and clarity to your thoughts - you feel more in control.<br /><strong>3. Create routine. </strong>Your body operates in rhythms, so try and establish patterns in your week. Whether it's the same bed time on week days, a morning plan that is the same each day or a set exercise time, routine will have a leveling effect on your more stressful responsibilities.<br /><strong>4. Get complete. </strong>Spend 10 minutes as you finish work, and then at the end of your day just tying up loose ends. Clear your desk for tomorrow and ensure phone calls are returned; put belongings in their place before bed. A fresh start in the morning feels productive.<br /><strong>5. Prioritise the little things.</strong> The missing sock in a pair, the dregs of milk that is not enough for your cereal, or the document that didn't quite make it to its file - seemingly inconsequential, yet frustrating and time-wasting when you're in a rush to get on with the bigger things.</p> <p><em>Written by Aileen Nakhle. First appeared on <a href="http://www.stuff.co.nz/" target="_blank"><strong><span style="text-decoration: underline;">Stuff.co.nz</span></strong></a>.</em></p>

Mind

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Navigating the path of ageing as a single

<p>For many reasons, tens of thousands of New Zealanders are finding themselves single as they enter their 60s and beyond.</p> <p>It goes without saying that the ageing process can be a difficult one, made even more so if you have to go through it alone. Thankfully, there are some simple ways you can navigate the path successfully and with ease.</p> <p><strong>Form a strong support network</strong></p> <p>Having a support network is important at all stages of life, but particularly as we grow older. Just because you don’t have a partner doesn’t mean you don’t have people in your life who care about you. Having a strong family bond or good group of friends is essential for when you’re going through tough times. Making new friends can seem daunting at first, but you’ll learn it’s not much harder than it was when you were a kid. Read our article on <a href="/health/caring/2016/04/ways-to-make-friends-when-youre-60-plus/" target="_blank"><strong><span style="text-decoration: underline;">making friends over 60</span></strong></a> for some great advice on expanding your support network.</p> <p><strong>Get your affairs in order</strong></p> <p>It’s not a topic anyone likes to think about, let alone talk about, but with the rate of people living alone over 60 continuing to grow, it’s more important than ever to ensure you have all your end-of-life plans in place. Without a partner to discuss these issues with, it’s essential you disclose your wishes to other loved ones. Aside from planning a will and outlining your funeral wishes, you should think about how you’d like to spend your final days if the worst should happen. See our <a href="http://www.oversixty.co.nz/finance/legal/2015/08/planning-ahead-checklist-have-you-ticked-all-of-the-boxes/" target="_blank"><strong><span style="text-decoration: underline;">checklist</span></strong></a> to ensure you’ve planned ahead.</p> <p><strong>Never say “never”</strong></p> <p>Resigned yourself to the prospect of being single for the rest of your life? It’s never too late to get back into the dating game. More and more seniors are turning to online dating to meet likeminded people, whether just for friendship or something more. If you’re worried about stigma surrounding online dating, don’t. Millions of people are turning to the Internet to find a partner. <strong><a href="/lifestyle/relationships/2016/03/trusted-tips-for-finding-love/" target="_blank"><span style="text-decoration: underline;">Click here</span></a></strong> to read our tips for finding love.</p> <p><strong>Related links:</strong></p> <p><a href="/health/caring/2016/04/ways-to-make-friends-when-youre-60-plus/"><em><strong><span style="text-decoration: underline;">6 ways to make friends when you’re 60-plus</span></strong></em></a></p> <p><a href="/health/caring/2016/04/why-women-need-other-women/"><em><strong><span style="text-decoration: underline;">Why women need other women</span></strong></em></a></p> <p><a href="/health/caring/2016/02/i-wanted-to-help-my-father-die-with-dignity/"><em><strong><span style="text-decoration: underline;">I wanted to help my father die with dignity</span></strong></em></a></p>

Caring

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A guide to navigating the path of grief

<p>Airdre Grant understands grief and loss all too well. In the space of one year, she lost her long-term relationship, her cat, dog, father, and twin brother. Seeking solace and survival, she went on a life-transforming pilgrimage to Scotland and the Himalayas that enabled her to gain strength and wisdom from her journey of sorrow and loss. In her new book, Stumbling Stones, Airdre offers touching stories, poignant anecdotes, and inspiring advice to anybody traversing the painful and emotional landscape of loss and grief. Here Airdre, writing for Over60, shares the lessons she learnt and the wisdom she gleaned with dealing with a subject we rarely talk about – death and loss.</p> <p>Everyone gets to walk the dark path of grief and loss at some stage during his or her life. It is unavoidable. Although we would rather avoid pain, there are, I believe, treasures to be found in the darkness. There are also some strategies you can employ, that offer a handhold or two, when you are trying to find your way through the swamp.</p> <p><strong>Here are some things I discovered as I travelled that rocky path:</strong></p> <ul> <li>I learned the importance of sitting still and the value of withdrawal. There are times when it is a really good idea to stay home and pull up the drawbridge. It can be very uncomfortable to go out and a) try to be jolly, b) try to be invisible, and c) sit in a group, trying to join in while feeling out of step, as if a pane of glass were separating you from the event and other people.  Say no. This doesn’t mean become a permanent recluse; it means respecting your sensitivity and your woundedness until such time as you feel ready for the world.</li> <li>Don’t wait. If you have a grievance or an unresolved issue with someone you care about, do something. Don’t get stuck on Being Right. If the person won’t talk to you or the matter is really stuck, this ritual might help: write a letter explaining everything you feel and then assume their position and write one back full of everything you think they feel. Then burn said letters. It can help to shift a hard nugget of resentment or pain and move it out of your head and heart.</li> <li>Use what works to give you comfort and consolation. I used poetry, stories. Others might use music or art. Drugs and alcohol also work – but only temporarily. They don’t resolve, they postpone, so be aware. (I turned to whisky for a while and it worked in the moment, but when I stopped all the pain was still there, waiting patiently for me at the end of my 3am bed.)</li> <li>Going into nature can help. Walk in the garden, sit under stars, stroll on a beach, wade a river. Go to remote and wild places, and soak up the tender gift of quietude. Such places hold healing, which works in subtle and powerful ways. You can sit by a river feeling ragged and come away with a fledgling tranquillity that can help patch you back together.</li> <li>Be with animals. They don’t ask for explanation. They don’t judge. They just are and all you need to do is be with that love. Dogs or horses lead you into being physical- walking or riding – when you may have been sitting in your puddle of sorrow a wee bit too long. Other creatures – maybe cats or an entertaining bird – can help draw your focus into the here and now, away from your unhappiness.</li> <li>There are mysteries and unexpected gifts to be had in the dark places and in that time of altered space. Know that this time of clarity and awareness, which won’t last, can provide insight and certain knowledge about what really matters, what is deeply important to you. You may not be fit for daily life, but in this space you might also be open to seeing and hearing things you could otherwise overlook. This is a time when you hear and see differently, when your hunches and your intuitions speak to you more clearly. Take heed.</li> <li>A pilgrimage, in whatever form it takes, can be significant, restorative. It can be far away or near. Moving out of the familiar opens you up to other worlds and other people. Going to sacred places can help connect you to the wonderful and the unfathomable that is the Divine. It can nourish your spirit, help heal a battered heart.</li> <li>Remember to eat. This might be a basic consideration, but it is often the last thing you feel like. Sustenance is a great emotional leveller. On the other hand, lack of nourishment can magnify nervousness, vulnerability, depression. When I couldn’t face food, a friend gave me healthy fruit-and-yogurt smoothies, like a meal in a glass. Those sweet, milky drinks go down easily and can keep you going, when nothing else tempts your appetite.</li> </ul> <p>The journey along the Dark Path is one foot in front of the other, stumbling as we go. While nothing about it is easy, I believe there is an inexplicable magic that governs us during this time. There are many consolations and rewards to be found along the way and although such gifts are hard won, ultimately they contribute to the rebuilding of a wounded heart.</p> <p><img width="301" height="451" src="https://oversixtydev.blob.core.windows.net/media/17025/airdre-grant-profile_301x451.jpg" alt="Airdre Grant Profile" style="display: block; margin-left: auto; margin-right: auto;"/></p> <p><em>Airdre Grant author of Stumbling Stones, published by Hardie Grant Books, RRP $24.99</em></p> <p><strong>Related links:</strong></p> <p><strong><em><span style="text-decoration: underline;"><a href="http://www.oversixty.co.nz/health/mind/2016/01/small-acts-of-kindness-change-lives/">These small acts of kindness changed lives</a></span></em></strong></p> <p><strong><em><span style="text-decoration: underline;"><a href="http://www.oversixty.co.nz/lifestyle/relationships/2015/08/healing-from-heartbreak/">Tips on healing from heartbreak</a></span></em></strong></p> <p><strong><em><span style="text-decoration: underline;"><a href="http://www.oversixty.co.nz/lifestyle/relationships/2016/01/science-behind-couples-who-die-together/">There’s a science behind couple that die close together</a></span></em></strong></p> <p> </p>

Mind

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How to clean garden paths and pavers

<p><strong><em>Better Homes and Gardens’ resident landscaper, Jason Hodges, shares his top tips for cleaning garden paths and pavers. </em></strong></p> <p>Mould, moss and mildew make our paths, patios and retaining walls unsightly and slippery. It’s time to tackle the problem head-on so you are ready for barbecues and nights entertaining on clean, safe surfaces.</p> <p>Here are five easy steps to cleaning your tiles, stone and concrete without damaging the surfaces. Be especially careful with older sandstone, slate, travertine and limestone.</p> <p>Use as little of any cleaning product as possible because most pavers and tiles are porous and will absorb these materials and may end up looking worse than if you never cleaned them at all.</p> <p>Then before you begin, my best tip is to do a little test somewhere tucked away, maybe down the side of the house, the bin area or under the barbecue.</p> <p>1. Pressure water cleaners like Gerni​ and Karcher​ have become affordable in recent years. These are great for removing most moulds and dirt. The entry-level ones are pretty gentle, but still, take your time and don’t go too close to the ground or too quick; you may blow the surface you want to clean to pieces. It’s important to clean evenly; nothing looks worse than when someone loses their enthusiasm and you can see where they’ve started to rush and do a poorer job than when they started.</p> <p>2. For oil and fat from the barbecue, sugar soup works well.</p> <p>3. I like using two relatively cheap products to clean my pavers, tiles and retaining wall. (Now, this is my opinion but I have been doing this for more than 20 years with good results.)</p> <p>The first one is liquid pool chlorine and the second, good old Napisan. The application is the same for both: mist down the surface with a hose. If the surface is drying out you keep misting it. Scrub it around and leave it for 15 to 20 minutes. Hose off thoroughly, scrub again with fresh water and wash off again.</p> <p>If using chlorine, dilute five parts water to one part chlorine and apply with a stiff brush. Chlorine isn’t great for the garden or lawn, so don’t over do it. I like Napisan, but it costs slightly more. In fact, I’ve seen plants like gardenias thrive from the trace elements given to the soil after they have been watered with the run-off.</p> <p>4. In both cases it’s important to make sure there’s no residue left behind because next time it rains or its wet the floors may be slippery again and be more dangerous than if you did nothing at all.</p> <p>5. Now that you’ve got them looking good you might want to think about sealing them. There are lots of different seals that give different looks. Some will leave a glaze or shine on top and this may be a great way to give an old-looking surface a facelift without replacing it. I like using one that penetrates the surface and isn’t visible.</p> <p>Try to tackle these jobs in the morning, it gives the surface time to dry out and by tackling it early you’ve got the arvo to enjoy your handy work with a cold one.</p> <p>Written by Jason Hodges. First appeared on <strong><span style="text-decoration: underline;"><a href="http://www.domain.com.au/" target="_blank">Domain.com.au</a></span></strong>.</p> <p><strong>Related links:</strong></p> <p><strong><em><span style="text-decoration: underline;"><a href="http://www.oversixty.co.nz/lifestyle/home-garden/2016/01/tips-for-growing-tomatoes/">Top tips for growing tomatoes</a></span></em></strong></p> <p><strong><em><span style="text-decoration: underline;"><a href="http://www.oversixty.co.nz/lifestyle/home-garden/2016/01/10-ingenious-gardening-tricks/">10 ingenious gardening tricks</a></span></em></strong></p> <p><strong><em><span style="text-decoration: underline;"><a href="http://www.oversixty.co.nz/lifestyle/home-garden/2016/01/container-gardening-mistakes/">7 common container gardening mistakes to avoid</a></span></em></strong></p>

Home & Garden