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Readers response: What would you do if you won $1,000,000 in the lottery tomorrow?

<p>Many people, especially those who indulge in weekly lottery tickets, like to fantasise about what they would do if they came into a huge sum of money.</p> <p>For some people, their first purchase would be a house or a once in a lifetime holiday, while others would give the money to family or charity. </p> <p>We asked our reader what they would do if they won $1 million in the lottery tomorrow, and the response was overwhelming. Here's what they said.</p> <p><strong>Anne Hare</strong> - I'd find a really good accountant and put him on retainer. I'd tell no one until I'd got my finances in order. Then I'd go nuts!</p> <p><strong>Irene Winters</strong> - Give most of it to our children and grandchildren, and keep a bit to pay for our old age.</p> <p><strong>Erica Whitehead</strong> - Help my family and do a kitchen and bathroom renovation.</p> <p><strong>Julie Armstrong</strong> - 1 million would be perfect for us to buy a house and live out the rest of ours days comfortably and not have to stress over the rent increases. Plus, we could pay off our daughter's mortgage.</p> <p><strong>Darlene Challen</strong> - Fix this house up properly, sell it and find my dream little house for myself and my dog, might spend Christmas in NY and/or go on a tropical cruise, then put the rest away for my 9 grandies.</p> <p><strong>Karen Neilson</strong> - Give a big chunk to my children and grandchildren, then give some to each of my siblings and Brother in Law. Keep some for myself, just enough to live comfortably for the few years I’m still on this earth! Give some to Cancer Research, The Heart Foundation and the Rescue Chopper. Give some to a couple of friend who do it tough.</p> <p><strong>Marlene Hassett</strong> - Buy a new car and a couple of things around my house and the rest to my kids and grandkids.</p> <p><strong>Alex Elson</strong> - I would finally, finally take our van out of the shed and go away for a while! </p> <p><strong>Jeannine Litmanowicz</strong> - I would open a scholar fund for my grandchildren so they have money for higher education when they grow up. And also, since they are still young, I would treat them to a week travelling around with them and my daughters and husbands to the Balkans.</p> <p><strong>Christine Whyte</strong> - Keep myself very comfortable till it was time to distribute to 10 grandkids.</p> <p><em>Image credits: Shutterstock </em></p>

Money & Banking

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How Aussie maths whiz won the lotto 14 times

<p>Winning the lotto is more than likely a once-in-a-lifetime chance, but Aussie man Stefan Mandel defied the odds when he won the golden ticket 14 times using basic maths.</p> <p>The Romanian-Australian mathematician, joined by a small team of investors, discovered a remarkably easy way to hack the system in the 1980s and 1990s.</p> <p>Mandel’s first two wins were secured in his home country of Romania, where he was saving up to escape the then-Soviet Union before he won another dozen times in Australia.</p> <p>Surprisingly, Mandel’s system was not only straightforward but relied on very little of his mathematical training.</p> <p>The odds of winning the jackpot in the Australian Powerball are about one in 76,767,600, according to lotto land. If you want to double your chances with two tickets, the odds are still a mere 2 in 76,767,600.</p> <p>Mandel observed that in certain lotteries, the jackpot prize was much higher than the cost of purchasing every possible combination of numbers. Given he buys every ticket, he was almost guaranteed a return on his investment – so long as the winnings were split between several golden ticket holders.</p> <p>So, Mandel did just that.</p> <p>While it’s not completely against the rules, snatching up every ticket doesn’t quite resonate with the spirit of the game, and his winnings were astronomical.</p> <p>Mandel, now 89, convinced a group of investors to buy into the scheme over several years.</p> <p>He created algorithms that were able to generate and print the millions of different ticket groups required, which some lotteries allowed people to do at the time.</p> <p>With his pile of tickets printed and ready to go, Mandel and his team waited for a hefty jackpot, where they would purchase those tickets in shops.</p> <p>Mandel secured 12 wins on smaller lotteries Down Under before he sought out jackpots in the US with a sum far larger than anything he had won so far.</p> <p>While he won millions of dollars with his scheme, aiming for massive lotteries in the US proved to be his downfall.</p> <p>Mandel specifically had his sights set on the Virginia lottery, which was new at the time and only used numbers 1-44 in its draws. That meant there were 7,059,052 possible combinations, much less than the 25 million or higher that his team was used to.</p> <p>When the jackpot was high enough, around US$15.5 million, Mandel ordered thousands of investors to buy out the tickets in bulk.</p> <p>To Mandel’s dismay, some investors pulled out. After two days of purchases, the group secured about 6.4 million of the possible 7 million combinations needed to guarantee them the jackpot. Fortunately, the odds remained in his favour as he won the Virginia Lottery too.</p> <p>The FBI and CIA launched an investigation into Mandel, but no wrongdoing was found. Virginia Lottery had no choice but to pay up.</p> <p>Mandel won millions of dollars in the Virginia Lottery, including bringing home most of the smaller prizes.</p> <p>He later disbanded his team and retired to a beach house in Vanuatu, where he still lives.</p> <p>While Mandel’s scheme was legal at the time, it resulted in new rules for the lottery. Many countries, including the US and Australia, have since passed laws that stopped punters from buying lottery tickets in bulk or printing them at home, in turn rendering his methods impossible.</p> <p><em>Image credit: Twitter / Youtube</em></p>

Money & Banking

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Juror reveals why Depp won

<p>A juror from the Johnny Depp-Amber Heard defamation trial has spoken exclusively to Good Morning America about the trial verdict.</p> <p>The verdict ruled that Heard defamed Depp when she wrote a 2018 Washington Post op-ed alluding to her past claims of domestic violence.</p> <p>Heard is ordered to pay $US10.35 million (approx. $14.65 million) in damages to Depp.</p> <p>The juror, one of five men on the seven-person jury, shared that Heard's emotional testimony during the trial was not realistic.</p> <p>"The crying, the facial expressions that she had, the staring at the jury. All of us were very uncomfortable," the juror said. "She would answer one question and she would be crying, and two seconds later she would turn ice cold. Some of us used the expression 'crocodile tears.'"</p> <p>"A lot of the jury felt what [Depp] was saying, at the end of the day, was more believable," the juror added.</p> <p>"He just seemed a little more real in terms of how he was responding to questions. His emotional state was very stable throughout."</p> <p>Heard's team has claimed that social media and all of the vitriol against Heard on platforms such as TikTok swayed the jury in favor of Depp.</p> <p>As Heard said this week, "I think even the most well-intentioned juror... it would have been impossible to avoid this."</p> <p>The juror denied such accusations about social media, saying, "We followed the evidence... myself and other jurors don't use Twitter or Facebook. Others who had it, made a point not to talk about it."</p> <p>"What I think is truthful is that they were both abusive to each other," the juror concluded.</p> <p>"I don't think that makes either of them right or wrong... but to rise to the level of what she was claiming, there wasn't enough or any evidence that really supported what she was saying."</p> <p>The jury noted that one "fiasco" that hurt Heard during the trial was the reveal that she had not yet donated her $US7 million (approx. $9.9 million) divorce settlement to charity, despite claiming to do so.</p> <p>"She goes on a talk show in the U.K. and the video shows her sitting there, telling the host she gave all that money away," the juror said. "The terms she used in that video clip were, 'I gave it away, I donated it, it's gone.' But the fact is, she didn't give much of it away at all."</p> <p><em>Image: Getty</em></p>

Legal

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How a blank cheque offer won the battle for a luxurious apartment

<p dir="ltr">A Sydney home seller has pocketed a huge price for their luxurious property after a determined buyer showed their agent a signed blank cheque and invited them to fill in whatever price they wanted.</p> <p dir="ltr">The offer was made during an open inspection of the three-bedroom Barangaroo apartment, and proved to be too persuasive for the sellers to turn down. </p> <p dir="ltr">Despite being reluctant to sell their home, the owners signed the paperwork and accepted the cheque with their own asking value. </p> <p dir="ltr">Their price: $6.58 million. </p> <p dir="ltr">The eye-watering sum was $1.5 million above the price the sellers expected to make on the waterfront property, which was scheduled for auction just a few weeks later. </p> <p dir="ltr">It was not the only staggering offer the sellers received for the apartment on <a href="https://www.realestate.com.au/sold/property-apartment-nsw-barangaroo-138857119?rsf=syn:news:nca:news:spa">601/19 Barangaroo Avenue.</a></p> <p dir="ltr">Another buyer reportedly showed selling agent Peter Li a banking app on his phone and offered to transfer the money to Mr Li directly to lock in the sale.</p> <p dir="ltr">“The successful buyer was the guy who brought his cheque book, he lived in the building and wanted to upsize to a three-bedroom apartment … this was the last three-bedroom option available,” Mr Li said.</p> <p dir="ltr">“Five million was our initial price guide, we sold this for $1.5m more than the initial price guide – about 30 per cent.”</p> <p dir="ltr">“The vendor was determined to go to auction, but changed her mind when she saw the price we had already achieved. The same apartment sold (at the) off the plan launch for $2.95m. Now it’s more than double.”</p> <p dir="ltr">Despite Sydney’s current housing crisis, Mr Li believes many wealthy buyers are heading to Barangaroo. </p> <p dir="ltr">“The results that we are seeing in Barangaroo are extraordinary. People are moving away from Point Piper to Barangaroo … they are finding it difficult too, as no one is currently selling there.”</p> <p dir="ltr">“Apparently, Barangaroo is immune to the current market slow down.”</p> <p dir="ltr"><em>Image credits: realestate.com.au</em></p>

Real Estate

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11 things to stop buying that’ll save you tons of cash

<p><span>You can save a heap of money when you’re a little more savvy about where, and what you’re spending it on. Cut these simple things out of your life and you’ll be amazed how much you can save.</span></p> <p><strong>Lunch bags</strong></p> <p>Sure, your plastic lunch bags are convenient, and we’ve gotten into the habit of buying box after box. But the frequent buying of single-use plastic bags does add up at the end of the year. And they are contributing (negatively) to our mounting plastic pollution problem.<a rel="noopener" href="https://www.torontoenvironment.org/how_long_does_it_take_for_a_plastic_bag_to_break_down" target="_blank"><span> </span>In fact, plastic bags may spend 500 to 1,000 years or longer in landfill</a>. Although you will have to outlay more for reusable silicon sandwich bags initially, they are endlessly useful. Easy to wash (you can even stack them upside down in the dishwasher) and re-use, these non-toxic bags seal well, are biodegradable (when they have finally passed their use-by-date) and are also microwave safe.</p> <p>As we’ve discussed, the world is drowning in plastic, but there are<span> </span><a rel="noopener" href="https://www.readersdigest.com.au/home-tipsscience-technology/9-brilliant-ways-other-countries-are-replacing-plastic" target="_blank">many countries that are leading the way in how they deal with the plastic pandemic</a>.</p> <p><strong>Impulse buys</strong></p> <p><span>We’re not just talking about the items that catch your eye when you shop hungry or wait in the checkout line ­– but certainly resist those too. The amount of time we spend online makes it easy to see something we never knew we wanted and then, thanks to a few touches and swipes, have it heading our way within minutes. To resist impulse buys, make a rule that all items must sit in an online shopping cart for a minimum of one day before buying. Bonus: some companies offer you a discount when they notice you haven’t yet popped in your credit card details. But, be sure in the end, that need, not the discount, informs your decision.</span></p> <p><strong>Cleaning products</strong></p> <p><span>So many of the store-bought cleaning products taking up your cupboard space really could be replaced with a few pantry items (cleaning vinegar and baking soda are two that top the list). </span><a rel="noopener" href="https://www.readersdigest.com.au/home-tips/why-clean-with-herbs" target="_blank">DIYing your own </a><span>is easier than you think – it’s mostly a matter of getting into the habit – and the right formulas really do work. Commit to replacing just one of your regular cleaning products with a homemade option. Get used to that, then keep going!</span></p> <p><strong>Unnecessary groceries</strong></p> <p>One third of all food produced for human consumption ends up being uneaten and discarded every year – around 1.3 billion tonnes of food – costing the global economy close to $940 billion. That’s bad news for your wallet and the environment.</p> <p>Some tips to help:</p> <ul> <li>Check the fridge before you shop, plan your meals and make a shopping list.</li> <li>Get creative with leftovers – overripe fruit and veggies make great smoothies. If you don’t want a smoothie right there and then, pop the overripe fruit and veg in the freezer to use at a later date.</li> <li>When eating out and you don’t finish your food, ask for a ‘doggy bag’.</li> </ul> <p><strong>Paper towels</strong></p> <p><span>While microfibre cloths will cost you more than paper towels, they will last you way longer. Invest in a stash of pretty cloth napkins, colour-coded for different cleaning jobs, and pop them in the washing machine when they get grotty. This way you will effectively keep paper products out of your kitchen.</span></p> <p><strong>Greeting cards</strong></p> <p><span>All those $3 and $5 purchases really do add up. Switching to free ecards instead of sending across the kilometres saves you money on postage, too. Can’t stand the thought of not giving them something to have and to hold? If making cards is up your alley, go for it! (Hold an afternoon card-making session to build up a stash.) Or, just buy an inexpensive box of all-occasion cards, and you’re good to go for years to come.</span></p> <p><strong>New clothes</strong></p> <p><span>Stop before you buy new and consider less expensive (and more eco-friendly) thrift and vintage items instead. When looking for current fashion, visit op shops. There are plenty of online alternatives to op shop, too. Vintage items – those 25 years or older – are great for special occasions and statement pieces. They’re easiest to score at local vintage stores or specialised online sites such as the Etsy vintage section.</span></p> <p><strong>Eating out</strong></p> <p><span>Dining out costs Australian households almost $5,000 a year, according to </span><a rel="noopener" href="http://www.the-drop.com.au/wp-content/uploads/2016/11/EatingOutinAustralia_2017_Respondent-Summary.compressed.pdf" target="_blank">Eating Out In Australia</a><span>. While no one wants to give up going out altogether, there are all kinds of ways you can bring that number down. Plan to take lunch to work or school more often. (Make it fun so it doesn’t feel like you’re skimping.) Go out during happy hour, meet for lunch instead of dinner, or opt for a potluck meal at home – using whatever food is available in your kitchen – instead of an evening out once in a while.</span></p> <p><strong>App and in-app purchases</strong></p> <p><span>Schedule some time to review your app subscriptions and quit any you no longer use. (Subscriptions that are automatically billed each month are easy to forget about.) If there are any you do use that have a particularly high in-app purchase rate, research free or low-cost replacements. You could also set a monthly limit that you’re comfortable with, and disable in-app purchases once you’ve met it. And here’s an idea: use apps to save money instead. Apps like You Need a Budget are designed to do just that.</span></p> <p><strong>Bottled water</strong></p> <p><span>If you haven’t already, it’s time to stop paying for bottled water when you can get it at home for virtually nothing. If you’re concerned about taste or quality, invest in a water filter. Sparkling water isn’t exactly cheap, either. If you’ve developed a fizzy-water habit, consider a Soda Stream and make your own. You’ll also be cutting down on piles of plastic. And you won’t have to lug home heavy shopping bags full of something you can get out of your tap or water filter. Also, invest in a reusable water bottle so you can take water with you while out and about, and refill at water stations.</span></p> <p><strong>Name-brand items</strong></p> <p><span>While it’s true that some generic items don’t compare quality-wise to their higher-priced brand-named counterparts, it’s also true that some generic products are literally identical. This is true of hundreds of items, including patent medicines, food and household items.</span></p> <p><em><span>Written by Elizabeth Flaherty</span><span>. This article first appeared in </span><a rel="noopener" href="https://www.readersdigest.co.nz/food-home-garden/money/11-things-to-stop-buying-thatll-save-you-tons-of-cash" target="_blank"><span>Reader’s Digest</span></a><span>. Find more of what you love from the world’s best-loved magazine, </span><a rel="noopener" href="https://readersdigest.innovations.co.nz/c/readersdigestemailsubscribe?utm_source=over60&amp;utm_medium=articles&amp;utm_campaign=RDSUB&amp;keycode=WRA93V" target="_blank"><span>here’s our best subscription offer</span></a><span>.</span></em></p>

Retirement Income

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Stunning picture captures moment Joe Biden won US election

<div class="post_body_wrapper"> <div class="post_body"> <div class="body_text redactor-styles redactor-in"> <p>A fast-thinking member of the Biden household captured the moment Joe Biden learned he had won the 2020 election.</p> <p>Biden was with family members in his home in Delaware where he learned he would be the 46th President of the United States.</p> <blockquote class="twitter-tweet"> <p dir="ltr">11.07.20 <a href="https://t.co/HHVJMmIoAW">pic.twitter.com/HHVJMmIoAW</a></p> — Naomi Biden (@NaomiBiden) <a href="https://twitter.com/NaomiBiden/status/1325190941058113536?ref_src=twsrc%5Etfw">November 7, 2020</a></blockquote> <p>His grandchildren were the ones who broke the good news to Biden, as he was relaxing with his wife Jill on their veranda.</p> <p>“Pop, Pop! We won!” they told the now-president-elect, according to <a rel="noopener" href="https://www.nbcnews.com/politics/2020-election/live-blog/2020-11-07-trump-biden-election-results-n1246882/ncrd1246979#liveBlogHeader" target="_blank" class="editor-rtflink"><em>NBC News</em></a>.</p> <p>Despite Biden being in a "cautious mood" before his victory was announced, he's celebrating now and has pushed forward with his plans for office.</p> <p>In the first steps in his transition plans, there would be more COVID-19 testing and Americans would be asked to wear masks.</p> <p>He also announced that there will be a focus on the economy, with plans to tackle racism and climate change.</p> <p>In his first speech as president-elect on Saturday, Mr Biden said it was "time to heal" the US and vowed "not to divide but to unify" the country. Addressing Trump supporters directly, he said: "We have to stop treating our opponents as enemies."</p> <p>However, current US President Donald Trump is yet to concede, despite Biden congratulating him on a hard-fought campaign.</p> <p>Trump has vowed to contest the election results on several fronts, with a recount being held in Georgia and plans for the same outcome in Wisconsin.</p> <p>Trump has also vowed to take legal action to the Supreme Court, alleging voting fraud without evidence.</p> </div> </div> </div>

News

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Camilla's redemption: How she revamped her image and won the public's heart

<div> <div class="replay"> <div class="reply_body body linkify"> <div class="reply_body"> <div class="body_text "> <p>She was once labelled “Britain’s most hated woman,” however the Duchess of Cornwall seems to have come very far since then. At 71 years old, with over 90 charities under her belt and having completed 219 engagements in 2018 alone, it is safe to say she might have done just that.</p> <p>Blamed for being the person to “drive apart” Prince Charles and Princess Diana, Duchess Camilla has not had it easy from the public or the media in the slightest.</p> <p>However, she has not let that deter her and has been on a mission to change the public's view of her. According to royal expert Phil Dampier, Camilla has become “now quite popular.”</p> <p>“I think most people will accept her as Queen when the time comes,” he explained to the <a rel="noopener" href="https://www.dailymail.co.uk/femail/article-6898105/How-Camilla-revamped-public-image-according-royal-insiders.html" target="_blank"><em>Daily Mail.</em></a></p> <p>The Duchess met 70-year-old Prince Charles in the summer of 1971 and was instantly taken to her because she was “not in any way overawed by him, not fawning or sycophantic,” according to royal biographer Penny Juror.</p> <p>But despite the undeniable chemistry that swirled around the couple, they were prevented from marrying back then, as the Duchess of Cornwall was deemed “unsuitable” with little aristocratic background despite her grandfather being a baron.</p> <p>She went on to marry Andrew Parker Bowles, with whom she shares two children, before they divorced in 1995 after 22 years of marriage.</p> <p>In April of 2005, the Duke and Duchess of Cornwall wed in a ceremony at Windsor Guildhall.</p> <p>With years of effort, Camilla has quietly refurbished her public image and given a new joy to the family.</p> <p>Frequently seen in the public eye with her husband, the two are often dissolving into giggles and smiles.</p> <p>She has even been described by a long-time friend as “witty,” and “100 per cent sure of who she is".</p> <p>“She has no side, no complexity,” they said.</p> <p>“She is warm, witty, endlessly cheerful and has the ability to laugh at everything and tease Charles out of his Eeyore grumpiness.”</p> <p>Not only has she been seen as an injection of playfulness into the royal family, she has also proven herself to be a tireless member with over 90 charities under her belt and having completed 219 engagements in 2018 alone.</p> <p><strong>Her sensitive approach to the Princess of Wales</strong></p> <p>While the public has largely pinned the Duchess as “the other woman” and the wedge that drove both Prince Charles and Princess Diana apart – even long after the late Princess of Wales’ death, Duchess Camilla has taken a sensitive approach.</p> <p>Although Camilla is technically the Princess of Wales, the royal chooses to not use the title due to its close association with Princess Di.</p> <p>Choosing to to known as the Duchess of Cornwall, her full official title is Her Royal Highness The Princess Charles Philip Arthur George, Princess of Wales, Duchess of Cornwall, Duchess of Rothesay, Countess of Chester, Countess of Carrick, Baroness of Renfrew, Lady of the Isles, Princess of Scotland, Dame Grand Cross of the Royal Victorian Order. </p> <p><strong>She has the Queen’s approval</strong></p> <p>As a wedding gift when the Duke and Duchess of Cornwall wed, the Queen bestowed a particularly special title as Princess Consort.</p> <p>In 2016, Her Majesty went a step further by making the Duchess a member of the Privy Council – her most senior advisory body.</p> <p>To royal insiders and fans alike, the clear regard for her daughter-in-law shows that when Prince Charles is pronounced king, his wife will be able to be “in the room".</p> <p>Although not all royal fans are convinced of Duchess Camilla, many have a newfound respect for the hardworking royal.</p> <p>Are you a fan of the Duchess of Cornwall? Let us know in the comments below.</p> </div> </div> </div> </div> </div> <div><span>Scroll through the gallery above to see the Duchess of Cornwall through the ages.</span></div>

News

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Wife’s battle over bungled $200K life insurance: “I won, my husband lost”

<p>Cheryl Sayers was caught in an unimaginable battle when AMP incorrectly cancelled her husband Lee’s life insurance just months before he died of a terminal illness.</p> <p>The couple’s final months together were tainted by AMP’s unforgiveable failure and so Cheryl fought to hold the insurance giant accountable.</p> <p>“I didn't honestly believe that anyone could beat an insurance company,” Cheryl told <em>A Current Affair</em>.</p> <p>The Sydney mother-of-three forfeited a $78,000 non-disclosure payout to share her story, in the hope of helping other Australians who have been wronged in the same way.</p> <p>“I was not going to let them shut me up,” she said.</p> <p>“There are a lot more people out there that this has happened to."</p> <p>In 2011, AMP cancelled Lee’s life insurance policy without warning, falsely claiming he had insufficient funds to pay for it.</p> <p>According to Cheryl, her late husband had “never missed a payment” and had paid close to $80,000 in premiums.</p> <p style="text-align: center;"><img width="497" height="280" src="https://oversixtydev.blob.core.windows.net/media/7818791/2_497x280.jpg" alt="2 (84)"/></p> <p>If the policy had been in place, the couple would have received the $200,000 payout when Lee was diagnosed with pancreatic cancer, eight months before he passed away.</p> <p>The couple had dreamed of using the money to go on a Europe river cruise but were forced to work right up until Lee’s death, while also trying to fight AMP’s incorrect policy cancellation.</p> <p>“That policy would have allowed Lee to retire, to spend quality time with his children and myself,” Cheryl said.</p> <p>“You’re at a loss. You've lost your husband and you look like you're going to lose your home and you're at a loss what to do.”</p> <p>But Cheryl chose to represent herself and fought AMP and their high-paid lawyers.</p> <p>In 2014, her persistence paid off when the Superannuation Complaints Tribunal ruled in her favour.</p> <p>“I had won, but my husband had lost,” Cheryl said. </p> <p>AMP agreed to pay Cheryl the $200,000 payout. She estimates that she was also owed around $80,000 in interest and costs but AMP said they would only pay the funds if she signed a non-disclosure agreement. </p>

Retirement Income

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The day I faced my fear of heights – and won

<p><em><strong>Maggie Wildblood, 75, has been writing for years and has just completed a memoir. Here, she remembers the time she faced her fear of heights – and took a leap of faith.</strong></em> </p> <p>Here am I, more than a little over fifty, overweight, hungover. Not an auspicious beginning for the adventure of my life.</p> <p>This is the final residential of a course at University of Western Sydney, Richmond, and again we students have been encouraged to attempt something new, challenging. I’ve tried many things, from performance poetry to Greek dancing, but nothing really physical. </p> <p>Some of the more adventurous have gone abseiling. They’ve come back full of adrenalin and achievement. I’d like to feel that too, but given my recently acquired fear of heights, abseiling would be unwise. Wouldn’t it?</p> <p>While I’ve been telling myself to do something like playback theatre or even bushwalking, an irritating internal voice has been urging me to face my fear of heights. Abseiling, it says, would be perfect. This is my last chance: if I don’t do it now, I never will. Abseiling will join a growing collection of things I’ll wish I’d done. </p> <p>Last night Carol, another “mature” student, and I sat in the bar with the rest of the abseilers.  Most were male, all were much younger than us. Downing white wine freely, we ignored the hands of the clock edging towards midnight, closing time. We decided Carol should doss down on the spare bed in my motel room, borrow some of my clothes for our adventure. We slept fitfully, a combination of alcohol and apprehension.  When the alarm squealed at half past three we woke unwillingly, sat on the edges of our beds groaning with regret.</p> <p>We dress after a quick shower, gulp one quick coffee: no lavatories on the mountain.</p> <p>Now we’re huddled in the car park with the rest of the group, shivering, all of us bundled up in every piece of clothing we could find. Noses peep redly from scarves, eyes peer blearily from under beanies, gloved hands nestle in armpits. Richmond is cold in July. <em>Very</em> cold at 4 am.</p> <p>We pile into a couple of cars and we’re away. Too late to back out now. </p> <p>It’s black, that deep blackness that settles just before dawn. Headlights illuminate two figures standing by a beat-up ute on the roadside: Jack, our instructor and his sidekick, Bill. Clambering into the ute, they take off up the highway, make a swift left onto a dirt track almost invisible in the night. We follow, bouncing behind their vehicle along a rutted trail, headlights bouncing too against tree trunks bearing the scars of recent bushfires. We smell those fires now, months after they roared through the National Park.</p> <p>In that intense darkness conversation becomes more and more desultory, stops.</p> <p>Parking in a clearing, we tumble out of the cars. Our breath puffs into the cold. Jack rolls the tarp back from the ute and produces ropes and more ropes, metal rings, hard hats, a billy, water, mugs, a box of bread. He distributes them among us. Arms full, we follow the light of his torch, stumbling over roots and pebbles to a large flat rock. Around us birds begin to stir. Small cheepings, chirpings, warblings. </p> <p>“Don’t go near the edge,” Jack warns. “It’s a long way down.”</p> <p>The sky lightens slowly. Distant treetops appear almost hesitantly against a pale sky that is suddenly pink, suddenly red. The sky burns without flame. A kookaburra pierces the morning with its song, is answered by another.</p> <p>We collect sticks, light a fire on the rock, our faces strained in the flames flickering. The scent of eucalyptus smoke swirls in the stillness. Jack makes tea; we burn bread for toast, butter it, eat it. No one speaks. By the time it’s fully light we’ve finished. The remaining tea is poured over the fire, then every ember, every spark, dies under Bill’s heavy boots.</p> <p>After Jack’s meditation exercise the air of apprehension lessens. Bill disappears.</p> <p>“Now you should all have a pee,” says Jack. “Once in your harnesses it’ll be too late.” </p> <p>The men stand together, backs to the clearing, trousers sagging around their bums, just like the backs of elephants. They chat companionably. We women squat separately, silently, the scallops of our buttocks white against the low shrubs. There’s the hiss, the acrid smell of urine. </p> <p>As instructed, we wrap ourselves in metres of webbing: around our shoulders, our torsos, between our legs, attach metal clips. Jack inspects us, one at a time, pulling and tugging at webbing, checking clips, making small adjustments. No room for error. No way to pee now either. We’re all wrapped up, a muddle of bulky packages.</p> <p>I’ve avoided looking over the edge of that big, flat rock. I’ve admired the sunrise, watched the eucalypts on the other side of the valley fringe with gold the moment the sunlight hit them.  Looking down is not for me just yet.</p> <p>I’ve heard of previous abseilers who’ve scraped hands, knees, elbows; who’ve swung upside down until they managed to turn themselves around; who’ve slipped coming back up the cliff. Now I’m about to jump backward over a cliff, in a hard hat and a tracksuit, hoping to land on a ledge where Bill is supposed to be waiting.</p> <p>Sometimes in a lift my stomach plunges. I have that feeling now. I watch as one by one people hitch up, walk backward, disappear over the cliff face, accompanied by cheers. I see their faces glowing on their return. Being older than all of them doesn’t mean I can’t do it, I tell myself firmly, unconvincingly. Anyway, Carol’s going first, we agreed on that.</p> <p>Her turn comes. She balks. </p> <p>“You go first, Maggie. I’m only here because you persuaded me.”</p> <p>Expectant faces turn toward me.</p> <p>“Come on Maggie, come on, you can do it!”</p> <p>I hook myself onto the descent ropes, their rough fibres somehow comforting, settle my hard hat firmly on my head, back to the edge of the rock, sneak a look. The valley floor is hundreds of metres below. Treetops peer above the morning mist, sway gently as the cold air rises. Those trees might look soft, velvety even, but they won’t cushion me if I fall. That mist, fluffy, featherlike, I’d slide through that like a beer down a thirsty bloke’s throat.</p> <p>I teeter on the edge, clutching the rope. I have to lean out at right angles to the cliff face, legs and back straight. When I edge myself over the rim, I’m persuaded to let the rope go and stand, arms outstretched, held only by the webbing and the clip, posing for a photograph. Madness! I don’t look down for the ledge I’m to land on about twenty metres below, the ledge from which all the others have returned.</p> <p>I walk my way down the cliff, concentrate on keeping my back straight, watch my feet, watch the rope snake through my hands, seeing only the spot where next I’ll put my foot. Suddenly, there‘s a large black hole. The cliff face has disappeared into a cave! What should I do?</p> <p><img width="370" height="250" src="https://oversixtydev.blob.core.windows.net/media/23543/maggie-abseiling_370x250.jpg" alt="Maggie Abseiling" style="float: left;"/></p> <p>Without thinking I leap out and back, ropes flying. I land about three metres further down the rock face, below the cave. Cheering erupts above me, faces grin over the cliff top. I wave at them, overwhelmed. My impulsive leap was the right thing to do.</p> <p>“Look, look, Maggie’s been rappelling,” someone calls. If that’s what a terrified leap into the air is called, well, I’ve certainly done that. It’s easy now to continue down the cliff into the waiting arms of Bill.</p> <p>Unhooked from the descent ropes, I’m hooked now into a new set of ropes for the upward climb. I thought the descent was hard. This is much, much harder. I have to clamber, unaided, up the rough sandstone, finding finger and foot holes. Small rocks tumble from beneath my feet. Small branches bend under my anxious fingers. I clutch at tree roots, place my feet on stones, trusting they’re integral parts of the cliff itself. Pebbles slide, the soil is sandy, nothing appears solid. There’s no one cheering me on, giving me support now.</p> <p>The exhilaration I felt as I leapt out from the rock, the triumph of landing, all have vanished. I can think only of “down there”. My fear of high places returns. My arms tremble, my hands hurt, my feet slip, muscles in my legs ache. Never have I been so frightened.</p> <p>At the top, I’m panting with fear, not exertion, not exhilaration.  I crouch on my hands and knees until my trembling eases, grateful no one is looking. In a pocket I find a handkerchief, scrub my unexpected tears. </p> <p>I stand and quite suddenly I experience my own sunrise. My achievement was not going down the rock face with the encouragement of the group, nor leaping backwards to avoid the cave. It was that dogged fight to get back up to the top, unaided, alone. Overcoming my fear: that’s my victory.</p> <p>I rejoin the others, cheering on the last few, loud as the loudest.</p> <p><em><strong>If you have a story to share please get in touch at <a href="mailto:melody@oversixty.com.au">melody@oversixty.com.au</a></strong></em></p> <p><strong>Related links: </strong></p> <p><span style="text-decoration: underline;"><em><strong><a href="/health/mind/2016/06/5-steps-to-help-you-speak-your-mind/">5 steps to help you speak your mind</a></strong></em></span></p> <p><span style="text-decoration: underline;"><em><strong><a href="/health/mind/2016/05/how-to-beat-self-doubt/">How self-doubt holds you back</a></strong></em></span></p> <p><span style="text-decoration: underline;"><em><strong><a href="/health/mind/2016/06/expert-tips-to-be-happier/">6 expert tips to be happier</a></strong></em></span></p>

Mind

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8 incredible actors who haven’t won an Oscar

<p>The world was thrilled when Leonardo DiCaprio finally broke his Oscars drought and won the Best Actor gong at this year’s Academy Awards. However, it got us thinking – which other incredible actors have been overlooked by the Academy? We were shocked at what we found!</p> <p><strong>Glenn Close</strong></p> <p>We were surprised to discover 69-year-old Close never received an Oscar, especially given her illustrious career, which spans four decades. She has been nominated six times before, first in 1982 and most recently in 2011 for <em>Albert Nobbs</em>.</p> <p><strong>Johnny Depp</strong></p> <p>It’s hard to believe that one of the quirkiest actors around has never earned an Academy Award, despite receiving three nominations. In 2012 the 53-year-old held the Guinness World Record for the highest paid actor, but unfortunately money doesn’t equal acclaim!</p> <p><strong>Liam Neeson</strong></p> <p>One of our favourites, 64-year-old Liam Neeson received a Best Actor nomination for his performance in Spielberg’s <em>Schindler’s List</em> but lost out to Tom Hanks. The movie went on to win the Best Picture gong that year.</p> <p><strong>Bill Murray</strong></p> <p>Though he’s known for his comedic roles, Bill Murray, 65, has diversified quite a bit in recent years, starring in critically acclaimed dramas like <em>Lost in Translation</em>, for which he was nominated for Best Actor, but lost to Sean Penn.</p> <p><strong>Sigourney Weaver</strong></p> <p>The 66-year-old has been prolific in sci-fi icons like the <em>Alien</em> franchise, the first instalment of which earned her a Best Actress nomination. She was also nominated for <em>Gorillas in the Mist</em> and <em>Working Girl</em>, but was unable to beat Jodie Foster and Geena Davis respectively.</p> <p><strong>Albert Finney</strong></p> <p>80-year-old Finney’s acting career began almost 60 years ago and he has been nominated for Best Actor an impressive four times (including for <em>Murder on the Orient Express</em>) and once for Best Supporting Actor but sadly has never won.</p> <p><strong>Harrison Ford</strong></p> <p>He’s played some of the most iconic roles in cinema, from Indiana Jones to Han Solo, but Ford, 73, has yet to win an Oscar. He was nominated for Best Actor back in 1985 for his role in <em>Witness</em>, but was beaten by William Hurt for <em>Kiss of the Spider Woman</em>.</p> <p><strong>Ralph Fiennes</strong></p> <p>The incredibly versatile 53-year-old actor has starred in many well-received films, including <em>Schindler’s List</em> and The <em>English Patient</em>, for which he received a Best Supporting Actor and Best Actor nomination respectively.</p> <p>Which actors do you think should have received an Oscar for their performance? Let us know in the comments below.</p> <p><strong>Related links:</strong></p> <p><a href="/entertainment/movies/2016/05/8-classic-films-getting-remakes/"><span style="text-decoration: underline;"><em><strong>8 classic films getting remakes</strong></em></span></a></p> <p><a href="/entertainment/movies/2016/04/successful-over-60s-action-stars/"><span style="text-decoration: underline;"><em><strong>10 over-60s action stars who still have it</strong></em></span></a></p> <p><a href="/entertainment/movies/2016/03/harrison-ford-new-indiana-jones-movie/"><span style="text-decoration: underline;"><em><strong>Harrison Ford set to return for fifth Indiana Jones movie</strong></em></span></a></p>

Movies

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Won ton dumplings

<p>Enjoy a taste of the orient with these delicious won ton dumplings. Rich, flavoursome and delicious, this recipe will have your tastebuds soaring.</p> <p><strong><span style="text-decoration: underline;">Ingredients:</span></strong></p> <ul> <li>300g pork mince</li> <li>4 green onions, chopped</li> <li>2 garlic cloves, crushed</li> <li>1/4 cup bamboo shoots, chopped</li> <li>2 teaspoons Chinese rice wine</li> <li>1/4 teaspoon white pepper</li> <li>3/4 teaspoon sesame oil</li> <li>30 fresh wonton wrappers</li> <li>1cm piece ginger, peeled, finely chopped</li> <li>1/4 cup soy sauce</li> <li>1 1/2 tablespoons white wine vinegar</li> <li>3 teaspoons white sugar</li> <li>1 tablespoon coriander leaves, chopped</li> </ul> <p><strong><span style="text-decoration: underline;">Method: </span></strong></p> <ol> <li>Combine mince, onion, garlic, bamboo shoot, rice wine, white pepper and oil in a bowl. Season with salt.</li> <li>Place 1 teaspoon mixture into centre of 1 wonton wrapper. Brush edges with water. Fold wonton over to make a triangle. Bring base corners of triangle together. Press firmly to join.</li> <li>Line base of a large steamer basket with baking paper. Place dumplings, in a single layer, in basket. Pour water into a wok until one-quarter full. Bring to the boil over high heat.</li> <li>Place steamer over wok, ensuring base doesn't touch water. Steam dumplings for 15 to 20 minutes or until tender and cooked through.</li> <li>Combine ginger, soy sauce, vinegar, sugar and coriander in a bowl. Stir until well combined. Serve with dumplings.</li> </ol> <p><strong>Have you ordered your copy of the Over60 cookbook, The Way Mum Made It, yet? Featuring 175 delicious tried-and-true recipes from you, the Over60 community, and your favourites that have appeared on the Over60 website, head to the <em><span style="text-decoration: underline;"><a href="https://shop.abc.net.au/products/way-mum-made-it-pbk" target="_blank">abcshop.com.au</a></span></em> to order your copy now. </strong></p> <p><strong>Related links:</strong></p> <p><em><strong><a href="/lifestyle/food-wine/2015/12/corn-shallot-thyme-butter/"></a></strong></em></p> <p><strong><em><span style="text-decoration: underline;"><a href="http://www.oversixty.co.nz/lifestyle/food-wine/2015/12/corn-shallot-thyme-butter/">Corn on the cob with shallot and thyme butter</a></span></em></strong></p> <p><strong><em><a href="/lifestyle/food-wine/2015/12/corn-shallot-thyme-butter/"></a></em></strong></p> <p><strong><em><span style="text-decoration: underline;"><a href="http://www.oversixty.co.nz/lifestyle/food-wine/2015/11/10-summer-bbq-ideas/">10 summer BBQ ideas</a></span></em></strong></p> <p><strong><em><a href="/lifestyle/food-wine/2015/12/corn-shallot-thyme-butter/"></a></em></strong></p> <p><strong><em><span style="text-decoration: underline;"><a href="http://www.oversixty.co.nz/lifestyle/food-wine/2015/11/bacon-wrapped-sausages/">Bacon-wrapped sausages</a></span></em></strong></p> <p><em><strong><a href="/lifestyle/food-wine/2015/12/corn-shallot-thyme-butter/"><span style="text-decoration: underline;"> </span></a></strong></em></p>

Food & Wine

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This homeless man just won $500,000

<p>Christmas has well and truly come early for Michael Engfors from Colorado in the US. The 61-year-old homeless man won $500,000 after buying a $10 lottery ticket last Friday.</p> <p>Engfors is a former builder who became homeless during the recession more than six years ago. He lost his business and struggled with numerous problems, including alcoholism, but never gave up hope his luck would turn around.</p> <p>"Out of all the people in Aspen who could win a half a million dollars, it couldn't happen to a better type of person," Jeremy Kowalis of the Aspen Homeless Shelter told USA Today.</p> <p>With his winnings, Engfors is looking to reconnect with his only child, a daughter, who he hasn’t seen in 20 years. His first big buy will be a flight to visit her. </p> <p><strong>Related links: </strong></p> <p><span style="text-decoration: underline;"><strong><em><a href="http://www.oversixty.co.nz/health/caring/2015/12/guide-to-diy-coconut-oil-beauty-products/">Surprising ways to make DIY coconut-oil beauty products</a></em></strong></span></p> <p><span style="text-decoration: underline;"><strong><em><a href="http://www.oversixty.co.nz/health/caring/2015/12/paracetamol-does-not-cure-flu-or-symptoms/">The best country to live out your life</a></em></strong></span></p> <p><span style="text-decoration: underline;"><strong><em><a href="http://www.oversixty.co.nz/health/caring/2015/12/best-country-for-elderly/">Paracetamol doesn't cure flu or symptoms</a></em></strong></span></p>

News

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Meet the 8 year old from Twizel who won the World Education Games

<p>Twizel whizkid Joshua Toon can make a claim to being the smartest 8-year-old in the world.</p> <p>Joshua has just returned from an awards ceremony in Sydney after he swept aside more than 6 million children from 159 countries to take out first overall for Year 3s in the 2015 World Education Games.</p> <p>His total points score of 4,727 across three categories – science, literacy and maths – was a whopping 344 points higher than that of his nearest competitor, a boy from Australia.</p> <p>As well as winning the overall award, Joshua took out first in science by three points with a score of 347, and his score of 1,578 in maths was good enough for a bronze medal behind boys from Nigeria and Pakistan.</p> <p>"I was like, wow, I really did it. I tried and I got it," Joshua said. "I was feeling really happy then, especially when I found out I was going to Australia for a trip."</p> <p>The World Education Games, created by Australian-based company 3PL Learning, involved an online speed and knowledge test, which ran over three days in October.</p> <p>Joshua, who is home-schooled, has the perfect skill set for it.</p> <p>Firstly, the car-loving youngster has a near-photographic memory. When he goes on a long drive, just about every number plate he sees is matched to the make and model of the car and stored for future use.</p> <p>Secondly, and almost as importantly, he's "extremely fast" at typing.</p> <p>The maths section of the games is a sprint race, and Joshua answered an average of about 100 questions a minute. Science is less of a sprint, with more points given for answering difficult questions.</p> <p>"I think science is probably my favourite of the categories because it has history in it too," Joshua said. "It asks things like when did Thomas Edison invent the lightbulb and I like those sort of questions."</p> <p>As a 6-year-old, in 2013, Joshua placed second in maths and third in science in New Zealand in the 4 to 7 years category of the games, but said this was a far better feeling.</p> <p>"I was actually able to smile for photos this time. Last time, my two front teeth had just come out so I couldn't do it without feeling embarrassed."</p> <p>For his efforts Joshua had won a new generation Microsoft Surface Pro laptop, worth about $1,500, and had made his parents, Kalyani and Trevor Toon, "very proud".</p> <p>"He would never have done it without a bit of a mother's push," his mum said with a laugh.</p> <p>"He has the talent of being able to think very fast on his feet and it's great that he's using that. I want him to keep going but also to keep staying humble."</p> <p>Joshua might face some family competition in coming years, with younger sister Kayla also expressing an interest in taking part in the games, Kalyani said.</p> <p>Written by Chris Hyde. First appeared on <span style="text-decoration: underline;"><strong><a href="http://www.Stuff.co.nz" target="_blank">Stuff.co.nz</a></strong></span>.</p>

News