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Ray Hadley chokes up during final radio show

Ray Hadley has become emotional during his last show on-air, farewelling his loyal 2GB audience for the last time. Hadley was joined by fellow 2GB host Ben Fordham for his final show on Friday, with Fordham surprising Hadley with a tribute to his stellar career. The tribute spanned Hadley’s entire career, from top sporting moments, interviews with Keith Urban, to his children speaking with him on air. “Ray Hadley, this is your life,” Fordham said before it played. However, Hadley became emotional when a snippet of his mother’s voice was played during the segment. “Very emotional. I had heard my mother’s voice previously,” Hadley told listeners, choked up. “I wasn’t gonna get upset. You’ve done this to me you little bludger.” Earlier this week, Hadley spoke with <a href="https://honey.nine.com.au/latest/ray-hadley-retires-from-2gb-sydney-radio-interview-exclusive/354a86f1-eeac-49a2-bc04-a91f3f22ff13" target="_blank" rel="noopener">9Honey</a> about his <a href="https://www.oversixty.com.au/lifestyle/retirement-life/the-time-has-come-ray-hadley-announces-retirement" target="_blank" rel="noopener">retirement</a>, reflecting on his 43-year career. Hadley admitted he worked brutal hours during his illustrious career, with his dedication leading to what became one of the most impressive runs in radio history in Australia. "I've fought hard for every position I've got and a couple were thrust upon me without fighting for them, but once I got them I realised that it was things I liked doing," he told 9Honey. "So yeah, it's been an adventure." "Like every adventure, there's highs and lows. The lows are about as low as you can get, the highs are about as high as you can get, and hopefully most of the time is in the middle somewhere." Hadley said while he's "retiring from full-time radio work" he's "not retiring from life" and with his contract set to run with 2GB until 2026 he is considering his options. "That doesn't mean I won't do something else. What that is, I don't know, because I'm still contracted here. And I'm still committed to this station in many respects ... I've been here for 24 years." "So, you know, there's always a part of me that is willing this station and this network to do well," he said. For now, he's planning to take a three-month break "to clear my head." Image credits: 2GB

Retirement Life

‘Is this all there is?’ Retirement can be a painful transition if we don’t adjust our thinking

<div class="theconversation-article-body"><a href="https://theconversation.com/profiles/susan-moore-1446031">Susan Moore</a>, <a href="https://theconversation.com/institutions/swinburne-university-of-technology-767">Swinburne University of Technology</a> The age at which Australians can receive the pension has <a href="https://www.dss.gov.au/seniors/benefits-payments/age-pension">risen to 67</a>, meaning many of us are working longer. But the length of time we are expected to spend retired has also risen, because <a href="https://www.abs.gov.au/statistics/people/population/life-expectancy/latest-release">we are living longer</a>. It’s not unreasonable to expect the retirement phase will last about 20 years, perhaps longer. How should people approach it? <h2>Are retirees satisfied?</h2> In 2018 a colleague and I <a href="https://www.routledge.com/Women-and-Retirement-Challenges-of-a-New-Life-Stage/Moore-Rosenthal/p/book/9781138045231">surveyed nearly 1,000 Australians</a> aged 55 and over who described themselves as fully or substantially retired from the workforce. Most were very satisfied (51%) or satisfied (35%) with their retirement, and the majority rated their post-retirement life satisfaction as better (47%) or the same (39%) as it had been when they were working. <h2>What do retirees like most?</h2> Retirees in our survey talked about freedom. Freedom to sleep in, travel, catch up with friends and family, renovate, garden, get fit, try art classes, learn Italian and if they can afford it, spend up big. But even freedom can have a downside. One woman from the survey said after four months she got sick of it, asking “Is this all there is?” So what did retirees miss most? Money was a big issue for nearly 20%, and about one-third felt their financial position had worsened, even though the group had mainly worked in professional and white-collar jobs. But the things they missed most were social – the opportunity to make new friends, to engage in new activities, and to feel useful. They said things like: <blockquote> I miss the companionship of working in a team. Miss some of the social connections that I once enjoyed. </blockquote> Work not only provides income and social contact, it also has the capacity to engender a sense of meaning and purpose. Some retirees commented specifically on this <blockquote> I miss the sense of purpose. While it was hugely stressful, I felt useful. Now I keep feeling at a bit of a loss as if I should be doing something. </blockquote> <h2>Identity loss</h2> There’s also the issue of <a href="https://www.taylorfrancis.com/books/mono/10.4324/9780203786338/marienthal-marie-jahoda-paul-lazarsfeld-hans-zeisel">identity loss</a>. Work provides us with status; it enhances our sense of self. Achievement of work goals can build confidence and self-esteem. When we meet a new person, often the first question they ask is “what do you do for a living?” It can feel as though your work defines you as a person, rather than your many-faceted self. Not surprisingly, our study respondents frequently commented on retirement as challenging their sense of identity. <h2>The retirement journey</h2> So it is important to remember retirement is not just an event, it’s a process. In any <a href="https://onlinelibrary.wiley.com/doi/abs/10.1002/j.2161-1920.2011.tb01102.x">major life transition</a>, it’s necessary to adapt our roles and expectations. Even the most exciting life changes, such as becoming a parent or winning a lottery, involve psychological work. We are likely to experience strong emotions, both positive and negative, as we experiment, fail, lose heart, try something else and eventually adjust to a new reality. These adjustments might be greater for retirees who go from full-time work to full-time leisure, than for those who move gradually through part-time or casual work or who quickly take up new activities they’ve been planning for years. Mark Cussen, a financial planner specialising in retirement, argues the retirement journey takes us through <a href="https://www.investopedia.com/articles/retirement/07/sixstages.asp">several psychological stages</a>, including a honeymoon phase in which new retirees feel relieved as the constraints of working life are removed. However, the initial sense of freedom loses its novelty value. Some retirees then go through a phase of disenchantment. Life can feel boring, lacking in purpose or weighed down by domestic duties and activities that do not challenge or bring joy. <h2>The ‘best years of our lives’</h2> The final phase is adaptation, involving a re-orientation of identity from worker to someone who finds meaning and purpose in a different set of activities. This change usually involves renegotiating relationships with family and friends as well as experimenting with new activities, interests and friendship groups. Over time, most retirees develop a new, non-work identity. New routines, different social worlds and re-imagined goals are established. Many describe these years as the best of their lives. <h2>What makes a successful retirement?</h2> Research <a href="https://academic.oup.com/workar/article-abstract/2/2/262/2428266?login=false">assessing the strongest predictors</a> of adjustment to and satisfaction with retirement is complex because there are so many potential variables to be measured and controlled. But these are often distilled down to several key factors including physical health, finances, psychological health, leisure activities, and social integration. <a href="https://pubmed.ncbi.nlm.nih.gov/21463050/">Studies assessing gender difference</a> in adjustment to retirement are equivocal, but somewhat dated. Nevertheless, <a href="https://www.researchgate.net/publication/228590652_Renegotiating_identity_and_relationships_Men_and_women's_adjustments_to_retirement">many commentators agree</a> women generally have fewer problems adapting socially. Women tend to have stronger non-work networks, are more integrated into their communities and have a more multifaceted sense of identity than those men who define themselves largely in terms of their work. However, the average woman is <a href="https://www.routledge.com/The-Psychology-of-Retirement/Rosenthal-Moore/p/book/9780815347088?srsltid=AfmBOoo--YAKvrHK8gDkQ0Cd1qI7A0PHOjgEZ-VqzDRAJb4KvEt5eMpt">less financially prepared</a> for retirement than a man as a result of taking time off work for children or other caring responsibilities. Women also dominate many of the lower paid jobs. But for both sexes, <a href="https://academic.oup.com/workar/article-abstract/2/2/262/2428266">studies indicate</a> pre-retirement planning helps ensure a secure retirement. <h2>Work out what’s important</h2> Money isn’t everything. Lifestyle planning including post-retirement activities, new roles and interests,prioritising mental and physical health and maintaining your social contacts are also vital aspects of a workforce exit strategy. How are you planning to stay mentally stimulated? What strategies do you have in place to manage stress and maintain good physical health? And what about friendships? Loneliness is being <a href="https://www.mja.com.au/journal/2024/221/6/loneliness-epidemic-holistic-view-its-health-and-economic-implications-older-age">described as an “epidemic”</a> among the elderly, especially those without a partner. How will you build a new social life that may include but does not rely on former work colleagues? How will you negotiate a family life that keeps you connected without becoming a domestic slave? <h2>A well-planned retirement</h2> Retirement has the potential to be a wonderful phase of life in which it is possible to strengthen relationships and achieve goals that you didn’t have time for in your middle years when you were consolidating your career and home life. It’s a time to live out some of your dreams, work through a bucket list perhaps, and have some fun as well as planning what sort of legacy you will leave for future generations. What’s the secret? In short, plan your finances, maintain a healthy lifestyle, stay socially integrated, challenge yourself mentally, stay positive and be flexible.<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/241265/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/susan-moore-1446031">Susan Moore</a>, Emeritus Professor, Faculty of Health, Arts and Design, <a href="https://theconversation.com/institutions/swinburne-university-of-technology-767">Swinburne University of Technology</a> Image credits: Shutterstock 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/is-this-all-there-is-retirement-can-be-a-painful-transition-if-we-dont-adjust-our-thinking-241265">original article</a>. </div>

Retirement Life

How much do you need to retire? It’s probably a lot less than you think

<div class="theconversation-article-body"> <a href="https://theconversation.com/profiles/brendan-coates-154644">Brendan Coates</a>, <a href="https://theconversation.com/institutions/grattan-institute-1168">Grattan Institute</a> and <a href="https://theconversation.com/profiles/joey-moloney-1334959">Joey Moloney</a>, <a href="https://theconversation.com/institutions/grattan-institute-1168">Grattan Institute</a> How much do you need to save for a comfortable retirement? It’s a big question, and you’ll often hear <a href="https://www.google.com/search?q=australians+not+saving+enough+for+retirement&oq=australians+not+saving+enough+for+retirement&gs_lcrp=EgZjaHJvbWUyBggAEEUYOdIBCDM4MjRqMGo3qAIAsAIA&sourceid=chrome&ie=UTF-8">dire warnings</a> you don’t have enough. But for most Australians, it’s a lot less than you might think. <h2>You spend less in retirement</h2> Australians tend to overestimate how much they need in retirement. Retirees don’t have work-related expenses and have more time to do things for themselves. And retirees, especially pensioners, benefit from discounts on council rates, electricity, medicines, and other benefits worth thousands of dollars a year. While housing <a href="https://grattan.edu.au/news/the-great-australian-nightmare/">is becoming less affordable</a>, most retirees own their own home and have paid it off by the time they retire. Australians who own their home spend an average of 20–25% of their income on housing while working, largely to pay the mortgage. But that falls to just 5% among retiree homeowners, because they are just left with smaller things such as rates and insurance. <figure class="align-center zoomable"><a href="https://images.theconversation.com/files/631962/original/file-20241114-15-9h1dzt.png?ixlib=rb-4.1.0&q=45&auto=format&w=1000&fit=clip"><img src="https://images.theconversation.com/files/631962/original/file-20241114-15-9h1dzt.png?ixlib=rb-4.1.0&q=45&auto=format&w=754&fit=clip" sizes="(min-width: 1466px) 754px, (max-width: 599px) 100vw, (min-width: 600px) 600px, 237px" srcset="https://images.theconversation.com/files/631962/original/file-20241114-15-9h1dzt.png?ixlib=rb-4.1.0&q=45&auto=format&w=600&h=337&fit=crop&dpr=1 600w, https://images.theconversation.com/files/631962/original/file-20241114-15-9h1dzt.png?ixlib=rb-4.1.0&q=30&auto=format&w=600&h=337&fit=crop&dpr=2 1200w, https://images.theconversation.com/files/631962/original/file-20241114-15-9h1dzt.png?ixlib=rb-4.1.0&q=15&auto=format&w=600&h=337&fit=crop&dpr=3 1800w, https://images.theconversation.com/files/631962/original/file-20241114-15-9h1dzt.png?ixlib=rb-4.1.0&q=45&auto=format&w=754&h=424&fit=crop&dpr=1 754w, https://images.theconversation.com/files/631962/original/file-20241114-15-9h1dzt.png?ixlib=rb-4.1.0&q=30&auto=format&w=754&h=424&fit=crop&dpr=2 1508w, https://images.theconversation.com/files/631962/original/file-20241114-15-9h1dzt.png?ixlib=rb-4.1.0&q=15&auto=format&w=754&h=424&fit=crop&dpr=3 2262w" alt="Notes: Housing costs include mortgage interest and principal repayments and general rates for homeowners, and rental payments for renters. Does not include imputed rent.:" /></a><figcaption>Notes: Housing costs include mortgage interest and principal repayments and general rates for homeowners, and rental payments for renters. Does not include imputed rent. Grattan analysis of ABS (2022) Survey of Income and Housing.</figcaption></figure> And whatever the income you need at the start of your retirement, it typically falls as you age. Retirees tend to spend 15–20% less at age 90 <a href="https://theconversation.com/why-we-should-worry-less-about-retirement-and-leave-super-at-9-5-106237">than they do at age 70</a>, after adjusting for inflation, as their health deteriorates and their discretionary spending falls. Most of their health and aged-care costs <a href="https://grattan.edu.au/report/money-in-retirement/">are covered by government</a>. <h2>So how much superannuation do you need?</h2> Consumer group Super Consumers Australia has crunched the numbers on retiree spending and presents three robust “<a href="https://superconsumers.com.au/journalism/how-much-do-you-need-to-save-for-your-retirement/">budget standards</a>”: <ul> <li>a “low” standard (that is, enough for a person who wants to spend more than what 30% of retirees do)</li> <li>a “medium” standard (spending more than 50% of retirees do), and</li> <li>a “high” standard (more than 70%).</li> </ul> <figure class="align-center zoomable"><a href="https://images.theconversation.com/files/631963/original/file-20241114-19-9h1dzt.png?ixlib=rb-4.1.0&q=45&auto=format&w=1000&fit=clip"><img src="https://images.theconversation.com/files/631963/original/file-20241114-19-9h1dzt.png?ixlib=rb-4.1.0&q=45&auto=format&w=754&fit=clip" sizes="(min-width: 1466px) 754px, (max-width: 599px) 100vw, (min-width: 600px) 600px, 237px" srcset="https://images.theconversation.com/files/631963/original/file-20241114-19-9h1dzt.png?ixlib=rb-4.1.0&q=45&auto=format&w=600&h=337&fit=crop&dpr=1 600w, https://images.theconversation.com/files/631963/original/file-20241114-19-9h1dzt.png?ixlib=rb-4.1.0&q=30&auto=format&w=600&h=337&fit=crop&dpr=2 1200w, https://images.theconversation.com/files/631963/original/file-20241114-19-9h1dzt.png?ixlib=rb-4.1.0&q=15&auto=format&w=600&h=337&fit=crop&dpr=3 1800w, https://images.theconversation.com/files/631963/original/file-20241114-19-9h1dzt.png?ixlib=rb-4.1.0&q=45&auto=format&w=754&h=424&fit=crop&dpr=1 754w, https://images.theconversation.com/files/631963/original/file-20241114-19-9h1dzt.png?ixlib=rb-4.1.0&q=30&auto=format&w=754&h=424&fit=crop&dpr=2 1508w, https://images.theconversation.com/files/631963/original/file-20241114-19-9h1dzt.png?ixlib=rb-4.1.0&q=15&auto=format&w=754&h=424&fit=crop&dpr=3 2262w" alt="" /></a><figcaption>How much super do you need? Super Consumers Australia (2023) Retirement Savings Targets</figcaption></figure> Crucially, these estimates account for the significant role of the <a href="https://www.servicesaustralia.gov.au/how-much-age-pension-you-can-get?context=22526">Age Pension</a> in the retirement income of many Australians. The <a href="https://www.servicesaustralia.gov.au/how-much-age-pension-you-can-get?context=22526">maximum Age Pension</a> is now A$30,000 a year for singles, and $45,000 a year for couples. To meet Super Consumers Australia’s “medium” retirement standard, a single homeowner needs to have saved only $279,000 in super by age 65 to be able to spend $41,000 a year. A couple needs only $371,000 in super between them to spend $60,000 a year. To meet their “low” standard – which still enables you to spend more than 30% of retirees – single Australians need $76,000 in super at retirement, and couples $95,000 (while also qualifying for a full Age Pension of $30,000 a year). That’s provided that you own your own home (more on that later). <h2>Ignore the super lobby’s estimates</h2> Australians should ignore <a href="https://www.superannuation.asn.au/resources/retirement-standard/">the retirement standards</a> produced by super lobby group the Association of Superannuation Funds of Australia. Their “<a href="https://www.superannuation.asn.au/resources/retirement-standard/">comfortable</a>” standard assumes retirees need an annual income of $52,085 as a single, and $73,337 as a couple. This would require a super balance of $595,000 for a single person, and $690,000 for a couple. But this is a standard of living most Australians don’t have before retirement. It is higher than what 80% of single working Australians, and 70% of couples, <a href="https://insidestory.org.au/the-reassuring-truth-about-retirement-incomes/">spend today</a>. For most Australians, saving enough to meet the super lobby’s “comfortable” standard in retirement can only come by being uncomfortable during their working life. <h2>Most Australians are on track for a comfortable retirement</h2> The good news is most Australians are on track. The federal government’s <a href="https://treasury.gov.au/sites/default/files/2021-02/p2020-100554-udcomplete-report.pdf">2020 Retirement Income Review</a> concludes most future Australian retirees can expect an adequate retirement, replacing a more-than-reasonable share of their pre-retirement earnings – more than the 65–75% benchmark nominated by the review. Even most Australians who work part-time or have broken work histories will hit this benchmark. Most retirees today feel more comfortable financially than younger Australians. And typically, they have enough money to sustain the same, or a higher, living standard in retirement than they had when working. <h2>Rising mortgage debt doesn’t change this story</h2> More Australians are retiring with mortgage debt – about 13% of over-65s had a mortgage in 2019–20, <a href="https://www.ahuri.edu.au/sites/default/files/migration/documents/AHURI_RAP_Issue_176_Housing-equity-withdrawal-in-Australia.pdf">up from 4% in 2002–03</a>. But the government’s <a href="https://treasury.gov.au/sites/default/files/2021-02/p2020-100554-udcomplete-report.pdf">retirement income review</a> found most retirees who used $100,000 of their super to pay off the mortgage when they retire would still have an adequate retirement income. This is, in part, because many would qualify for more Age Pension after using a big chunk of super to pay off the mortgage. And retirees can get a loan via the government’s <a href="https://www.servicesaustralia.gov.au/home-equity-access-scheme">Home Equity Access Scheme</a> to draw equity out of their home up to a maximum value of 150% of the Age Pension, or $45,000 a year, irrespective of how much Age Pension you are eligible for. The outstanding debt accrues with interest, which the government recovers when the property is sold, or from the borrower’s estate when they die, reducing the size of the inheritance that goes to the kids. <h2>But what about renters?</h2> One group of Australians is not on track for a comfortable retirement: those who don’t own a home and must keep paying rent in retirement. Nearly half of retired renters <a href="https://grattan.edu.au/news/repairing-australias-retirement-income-system/">live in poverty today</a>. Most Australians approaching retirement own their own homes today, but fewer will do so in future. Among the poorest 40% of 45–54-year-olds, just 53% own their home today, <a href="https://grattan.edu.au/news/the-great-australian-nightmare/">down from 71% four decades ago</a>. But a single retiree renting a unit for $330 a week – cheaper than 80% of the one-bedroom units across all capital cities – would need an extra $200,000 in super, in addition to Commonwealth Rent Assistance (according to the government’s <a href="https://moneysmart.gov.au/retirement-income/retirement-planner">Money Smart Retirement Planner</a>). This is why raising Commonwealth Rent Assistance to help renting retirees keep a roof over their heads should be an urgent priority for the federal government. Australians have been told for decades that they’re not saving enough for retirement. But the vast majority of retirees today and in future are likely to be financially comfortable.<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/243596/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/brendan-coates-154644">Brendan Coates</a>, Program Director, Economic Policy, <a href="https://theconversation.com/institutions/grattan-institute-1168">Grattan Institute</a> and <a href="https://theconversation.com/profiles/joey-moloney-1334959">Joey Moloney</a>, Deputy Program Director, Housing and Economic Security, <a href="https://theconversation.com/institutions/grattan-institute-1168">Grattan Institute</a> Image credits: Shutterstock 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/how-much-do-you-need-to-retire-its-probably-a-lot-less-than-you-think-243596">original article</a>. </div>

Retirement Income

Elderly couple's pension predicament sparks heated debate

An elderly couple have sparked a heated debate online after enquiring how they can hold on to their pension payments despite their increasing wealth. The couple are in their 90s and receive a part-age pension payment, while also owning a share portfolio worth around $895,000. In a question to <a title="www.smh.com.au" href="https://www.smh.com.au/money/super-and-retirement/our-900-000-share-portfolio-keeps-rising-how-do-we-save-our-pension-20241203-p5kve9.html">Sydney Morning Herald</a> money columnist, Noel Whittaker, the couple’s child asked: “With the market going up as it has, they are worried that they will lose their pension and the benefits. Is there anything that they can do so they don’t lose the pension?” You must be 67 years or older to be eligible for the pension in Australia, with the maximum fortnightly payment for a single person is $1,144.40 and $1,725.20 for a couple. However, the pension amount is reduced by 50 cents for every dollar over $212 a person receives in income per fortnight. A couple who are homeowners on a full pension can have $470,000 in combined assets before their pensions are impacted, while a couple who are homeowners on a part pension can have $1,045,500 in assets before their payments are cancelled. Whittaker recommended for the couple to get their furniture valued at “garage sale prices”, rather than replacement prices to keep their assets below the threshold. He also suggested renovating their home, prepaying for their funerals, or making a gift of $10,000. “If they gave a bigger sum of money to the children now, their pension would not be reduced as it would be held as a deprived asset for five years but would not increase in value,” the columnist suggested. The article was quickly posted online, and the couple were met with fierce backlash as one person wrote on X, "Why are 90yo millionaires worried about losing a welfare payment?” while another person joked, “If I go to work and earn money how can I do it and still keep my Centrelink payments please inform me!” Many branded the couple “greedy”, claiming they had more than enough to live on for the rest of their retirement, with one person writing, “Firstly, stop being so greedy. Secondly, live off your money. Ffs.” “I read that this morning, and was shocked at how greedy some people are. $900,000 is more than enough for anyone to live off during their retirement years,” another said. Others suspected it was the child who was concerned, rather than the parents, commenting, “It sounds like it’s the kids worrying they might have to spend their inheritance.” Image credits: Shutterstock

Retirement Life

102-year-old woman fulfils bucket list dream of visiting Australia

A 102-year-old woman has successfully fulfilled her bucket list dream of visiting all seven continents with the help of two Youtubers. Dorothy Smith, who lives in a retirement home in San Francisco, had travelled all over the world except Australia. When the guys behind the YouTube channel Yes Theory, Staffan Taylor and Ammar Kandil heard about this, they were determined to make her dream come true. The two men, who met her in the retirement village, asked her "‘is there anything on your bucket list you haven’t ticked off yet?’ and she said, ‘I’ve been to six continents but I’ve never been to Australia,’” Yes Theory filmmaker Staffan Taylor explained. The centenarian recalled how she received a note from them. “He gave me this little piece of paper that said something about ‘dreams come true’,” Dorothy told Sunrise on Tuesday. “I showed it to a friend, and they said, ‘look, there is no signature, there is no telephone number, there is no address — it’s fake’,” she added. But it wasn't a scam and with the help of Destination NSW and Qantas, the Youtubers made her dream come true, and shared a clip of her experience online. She chose Sydney as her Aussie destination because of the Opera House, which she is twice the age of. “This is like Disneyland for grown ups,” she joked while visiting the iconic landmark. She also visited visited Wild Life Sydney Zoo to see some koalas and kangaroos, the Botanic Gardens, the Museum of Contemporary Art, and went for a cruise on the harbour. <iframe title="YouTube video player" src="https://www.youtube.com/embed/38PwG3zGDDI?si=dqhuCIqOoKfokdCq" width="560" height="315" frameborder="0" allowfullscreen="allowfullscreen"></iframe> She described Aussies as “charming” and complimented the food, scenery and weather. “These two gentlemen have been delightful, and there is a whole crew, and each one is as nice as the other, and they have been around this town very well,” she told Sunrise. “It’s just beautiful — I’ve seen things like the zoo and the real animals. “It is much more metropolitan (than I would have thought), and the people are charming,” she added. The centenarian said it is "never too late" for a new adventure, saying: “You can either rust out or wear out and I’m trying to wear out rather than rust out." Yes Theory co-founder Ammar Kandil who went on the trip with Dorothy and her daughter, said he was in awe of the centenarian's curiosity during the trip and had been inspired by her. “One of the cornerstones of the experiences in our videos is actually whenever we go somewhere, we always try to ask the elders and get a lot of the wisdom out of them from their life experiences,” he said. “Staffan (and I) had the opportunity to double down and do a full episode on elders, only to meet the most epic one of all (Dorothy) — it doesn’t get better. “(As soon as we heard) we just went for it, and it was a no-brainer — as soon as she said she hadn’t been to Australia, we thought God bless her soul. “She is so powerful and still moves, and if anyone can go to Australia at 102 years old, it is Dorothy.” “Even at 102 years old she is still appreciating everything she is seeing,” he added. Images: Yes Theory/ Youtube

Retirement Life

5 retirement derailers and how to avoid them

Retirement is often called our “golden years”, the time we can enjoy the fruits of our working lives. Not everything goes to plan, and five particular issues can derail even the best laid retirement plans – regardless of whether they hit before or post retirement. Avoiding the worst effects involves preparing for the worst and hoping for the best. Remember that good retirement planning involves impartial advice to identify risks, and strategies to address them, that you may not have considered. So, check in with your financial adviser, accountant and family lawyer to ensure you have all your bases covered. #1. Relationship breakdowns Separations and divorces see you shift from two incomes to one, joint assets are split (potentially even sold), and acrimonious splits result in costly legal battles. Furthermore, elder abuse affects one in six older Australians, the Australian Institute of Health and Welfare notes. Adult children, siblings and close friends are among the perpetrators. This could involve financial, physical, emotional or other forms of abuse and control. Solution: Maintain financial independence. Not everything has to be shared – it is good to have your own income, savings, superannuation and investments in addition to joint assets. A prenuptial agreement helps by outlining what each partner came into the relationship with. Open communication is crucial, as is active participation in financial decisions – two pairs of eyes are better than one. Keep super beneficiaries updated. I’ve seen people unwittingly gift their ex their super, leaving their current partner with nothing, because these details weren’t updated post-separation. #2. Partner’s premature death Sudden deaths from an accident, illness, natural disaster, crime or other unforeseen cause not only take someone before their time, but can cripple those left behind. This is especially true where the departed was the primary or sole breadwinner, often forcing their partner to retire much later. Solution: Don’t stick your head in the sand. Expect the unexpected and plan accordingly. Life insurance is perhaps the most obvious form of protection here. It can be taken out within your super, so it needn’t touch your everyday finances.Ensure everyone’s wills and estate planning are up-to-date and accessible, saving valuable time to finalise estate transfers and financial access for surviving beneficiaries. #3. Chronic health problem Whether it’s cancer, dementia (especially early on-set), or any other chronic condition, the problem here (over and above your health) is two-fold: healthcare costs suddenly soar, while ability to earn an income ceases – temporarily or permanently. You may even be forced into early retirement, draining your nest egg earlier than planned – doubly so if your partner also must retire to care for you. Solution: Have a plan B. Fallback options are invaluable, such as health insurance to offset medical costs and an emergency fund for paying bills while undergoing treatment. Don’t sell investments unless you absolutely have to – they can generate passive income now while offering longer-term capital growth. #4. Major financial setback Financial setbacks have numerous causes – natural disasters, scams, business failures, investment losses, gambling addictions. However. the results are often the same – financial stress and delayed retirement. Solution: Act quickly. Of course, prevention is best, but not everything is preventable. If you do suffer a major setback, fast and decisive action is crucial – both to stem the losses and put your recovery into action ASAP. See what can be recovered. Banks can put a stop on withdrawals and cards. Revisit protections, such as insurances and back-up plans. Emergency grants and assistance are offered by governments and charities during disasters. Get support – financial setbacks are stressful. Don’t compound the pain by letting your mental and physical health slide. #5. Insecure housing We all know the rental market is tight. It’s even harder for those in retirement: landlords prioritise tenants in paid employment; rents consume a larger share of retirement income than home ownership. Then there are ownership considerations: joint tenants versus tenants in common. If your partner dies, will you automatically inherit ownership or be forced to move? Solution: Do your best to get on the property ladder. That may require some creative thinking. Consider cheaper markets from where you live; entry-level “renovator’s delights” to improve over time; pooling funds to buy jointly with trusted family or friends. Even if you rent out the property, you have the option to move in should you find yourself otherwise homeless. Plus, you have a stable investment over and above your super. Also, consider ongoing maintenance costs and tax implications. Owning or inheriting a property is counterproductive if you can’t afford its upkeep or mortgage repayments. Helen Baker is a licensed Australian financial adviser and author of On Your Own Two Feet: The Essential Guide to Financial Independence for all Women. Helen is among the 1% of financial planners who hold a master’s degree in the field. Proceeds from book sales are donated to charities supporting disadvantaged women and children. Find out more at <a href="http://www.onyourowntwofeet.com.au/">www.onyourowntwofeet.com.au</a> Image credits: Shutterstock

Money & Banking

Readers response: If you could live abroad temporarily, where would you go and why?

We asked our readers where they would settle if they could relocate, and why they would pick their new home destination, and the response was overwhelming. Here's what they said. Cathy Parker - Scotland, and it wouldn't be temporarily, it would be permanent! Karleen Green - Ireland, but without winter. Jackie A Morris - Southern Spain, beautiful place and wonderful people. Lyn McLaughlin - London. I'd easily fit in there. Jeanne Meyers - South Africa as I lived there for 10 years and loved it. Jenny Harris - Italy. I just love the atmosphere, friendliness of people and way of life. Stuart Galloway - Menorca, Spain. Nice people, laid back atmosphere, and fewer (and better behaved) tourists compared to Ibiza and Majorca. Ruth Peter Nussbaumer - Italy or southern Switzerland. So much culture and food. I would have to be millionaire though! Yvonne Knight - Vietnam. Gorgeous people and very inexpensive. Robyn Wilkie - Canada or Alaska. Been twice but never long enough. Love, love those places. Kathy Wise - Germany, Austria, Switzerland or Canada! Barbara Dakers - South Island New Zealand, or Norway. Poles apart but both so very beautiful, natural, peaceful and friendly. Image credits: Shutterstock

International Travel

NRL legend explains why he's retiring after 33 years

NRL legend Paul Vautin has revealed the exact moment he knew his time on-air was over, just days after announcing his retirement. The 65-year-old shocked the sports world on Sunday when he confirmed his career on TV was coming to an end, saying he's "run out of petrol” and would not be continuing with his job with Channel 9 into 2025. Speaking candidly in the days after the shock announcement, Vautin - who has affectionally been known as Fatty during his career - detailed the exact moment he realised it was time to walk away. “Something changed this year. I’d be driving up in three hours of traffic on a Friday afternoon going ‘oh my god what am I doing?’” he said on SEN’s The Run Home with Joel and Fletch. “In the end I just felt as though I’d rather be at home watching the footy on a Friday night than working on it. I still love the game immensely but I just thought ‘you know what I think I’m done’." “There was one particular moment when the Brisbane Broncos were playing the Roosters on a Friday night at Suncorp and look it was a pretty good game, I was commentating with Joey and we were having a good time." “Then 20 minutes into the second half I was looking out at the field going, ‘Oh my god I am so bored’. I drove home thinking wow that had never happened before and I knew then it was the beginning of the end.” While fans are hopeful the NRL icon will reverse his decision and return to commentary, the 65-year-old says he has no intention of working again. “I’ll let you in on a little secret. I will never work again. I’m done. I’m not looking for work,” Vautin said. “No way. I don’t want to do anything. I don’t want to do radio, podcasts. I don’t want to do anything. I’m happy.” Image credits: Nine/SplashNews.com/Shutterstock Editorial

Retirement Life

Historic Aged Care Bill passes Parliament

Older Australians will now receive greater support to live at home for longer among other reforms to aged care. On Monday, the Albanese Labor Government's Aged Care Bill passed Parliament, meaning that older Australians and their loved ones will have access to a better quality system. The bill will provide in-home help and improve conditions and protections for those living in aged-care facilities from July, with older people and their loved ones having a greater say about the care and services they receive. These include protections to speak up when they're not satisfied with a service, and better equipping providers to handle complaints more effectively. Around 1.4 million Aussies will receive support for nursing, occupational therapy and day-to-day tasks to help them live independently in their homes by 2035. The new $4.3 billion Support At Home system has been put in place with the hopes of improving home care wait times and will provide for home modifications and assistive technology to help older Australians maintain their independence for longer. The $5.6 billion package will be one of the largest improvements to the sector in 30 years, according to Aged Care Minister Anika Wells. “This act means that people will be the beating heart of a strengthened aged-care sector that replaces fear with trust,” she said. To help fund the cost of care, those not already in aged or home care will have to make contributions for non-clinical care costs, but the amount they pay would depend on their income and assets. The most anyone would pay for these independence and everyday living costs would be e $130,000 after the the lifetime contribution cap was raised from $76,000. The Commonwealth will remain the main funder of aged care. While the government will spend $930 million over the next four years, the new structure will save the budget $12.6 billion over the next 11 years. Image: Shutterstock

Retirement Income

Australia's most decorated Olympian drops huge news

Australia's most decorated Olympian, Emma McKeon has announced her retirement from swimming on Monday. After an incredible career that spanned across three Olympics and yielded 14 Olympic medals, including six golds, the Olympic champion announced her retirement from the pool in a social media post. "Today I am officially retiring from competitive swimming," shared on Instagram. "Leading into Paris, I knew it would be my last Olympics, and the months since have given me time to reflect on my journey, and think about what I wanted my future to look like in swimming." "I am proud of myself for giving my swimming career absolutely everything, both physically and mentally," she continued. "I wanted to see what I was capable of - and I did. Swimming has given me so much. From the dream igniting at 5 years old, right through to my third Olympic Games - I have so many lessons, experiences, friendships and memories that I am so thankful for." Mckeon made her Olympic debut at the Rio Olympics in 2016, winning gold as a member of the women's 4x100 freestyle relay team and claiming four medals overall. <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-permalink="https://www.instagram.com/reel/DCxSXAXyE7r/?utm_source=ig_embed&utm_campaign=loading" data-instgrm-version="14"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"> </div> </div> </div> <div style="padding: 19% 0;"> </div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"> </div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <div style="padding: 12.5% 0;"> </div> <div style="display: flex; flex-direction: row; margin-bottom: 14px; align-items: center;"> <div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(0px) translateY(7px);"> </div> <div style="background-color: #f4f4f4; height: 12.5px; transform: rotate(-45deg) translateX(3px) translateY(1px); width: 12.5px; flex-grow: 0; margin-right: 14px; margin-left: 2px;"> </div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(9px) translateY(-18px);"> </div> </div> <div style="margin-left: 8px;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 20px; width: 20px;"> </div> <div style="width: 0; height: 0; border-top: 2px solid transparent; border-left: 6px solid #f4f4f4; border-bottom: 2px solid transparent; transform: translateX(16px) translateY(-4px) rotate(30deg);"> </div> </div> <div style="margin-left: auto;"> <div style="width: 0px; border-top: 8px solid #F4F4F4; border-right: 8px solid transparent; transform: translateY(16px);"> </div> <div style="background-color: #f4f4f4; flex-grow: 0; height: 12px; width: 16px; transform: translateY(-4px);"> </div> <div style="width: 0; height: 0; border-top: 8px solid #F4F4F4; border-left: 8px solid transparent; transform: translateY(-4px) translateX(8px);"> </div> </div> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center; margin-bottom: 24px;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 224px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 144px;"> </div> </div> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;"><a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none;" href="https://www.instagram.com/reel/DCxSXAXyE7r/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by Emma McKeon (@emmamckeon)</a> </div> </blockquote> In 2020, during the Tokyo Olympics she took over as Australia's most decorated Olympian, a title that was previously held by Ian Thorpe, after bringing home four gold medals by triumphing in the 50m freestyle, 100m freestyle, 4x100m freestyle relay and 4x100m medley relay. She won seven medals in total in the 2020 Olympics. In this year's Paris Olympics, she brought home another three medals including one gold as a member of Australia's 4x100m freestyle team. "Along with every person who supported me, worked hard with me, and cheered me on. THANKYOU," McKeon said in her post. "Now I am excited to see how I can push myself in other ways, and for all the things that life has in store." Beyond the Olympics, McKeon has been an eight-time world record holder in relay events with three current and five former records. She has also won 14 gold medals across the 2014, 2018 and 2022 Commonwealth Games. Swimming Australia chief executive Rob Woodhouse, who is McKeon's uncle, praised the Olympic champion. "Emma will be remembered in the same vein as Dawn [Fraser], Shane [Gould], Susie [O'Neill] and Murray [Rose], Kieren [Perkins] and Thorpey [Ian Thorpe] — that she was one of our greatest," Woodhouse said in a Swimming Australia statement. "From a personal point of view, watching her Tokyo campaign and in particular watching her win gold in the 100m freestyle was one of the greatest races I have ever watched, but I have also loved watching her advocate for those coming up through the ranks. "She will also be remembered for how she represented swimming. The standards she set in and out of the water were second to none, and she has a lifelong love of the sport, so she won't be disappearing from swimming." Images: DAVE HUNT/EPA-EFE/ Shutterstock Editorial

Retirement Life

"You made me enjoy the game": Federer's emotional retirement letter to Nadal

Roger Federer has penned an emotional tribute to Rafael Nadal ahead of his retirement, reflecting on their stellar careers together. Nadal’s career officially came to an end when Spain was defeated 2-1 by the Netherlands in the Davis Cup quarter-final in Malaga on Wednesday morning, with Nadal in tears as he stepped onto the court for the final time. Thousands of tributes poured in for Nadal as his retirement officially began, but Federer's tribute quickly went viral for his emotional words. “As you get ready to graduate from tennis, I’ve got a few things to share before I maybe get emotional,” Federer said. “Let’s start with the obvious: you beat me - a lot. More than I managed to beat you. You challenged me in ways no one else could. On clay, it felt like I was stepping into your backyard, and you made me work harder than I ever thought I could just to hold my ground." “You made me reimagine my game - even going so far as to change the size of my racquet head, hoping for any edge. I’m not a very superstitious person, but you took it to the next level. Your whole process. All those rituals." “Assembling your water bottles like toy soldiers in formation, fixing your hair, adjusting your underwear … All of it with the highest intensity. Secretly, I kind of loved the whole thing. Because it was so unique - it was so you." “And you know what, Rafa, you made me enjoy the game even more. OK, maybe not at first. After the 2004 Australian Open, I achieved the No. 1 ranking for the first time. I thought I was on top of the world. And I was - until two months later, when you walked on the court in Miami in your red sleeveless shirt, showing off those biceps, and you beat me convincingly." "All that buzz I’d been hearing about you - about this amazing young player from Mallorca, a generational talent, probably going to win a major someday - it wasn’t just hype." “We were both at the start of our journey and it’s one we ended up taking together. Twenty years later, Rafa, I have to say: What an incredible run you’ve had. Including 14 French Opens - historic! You made Spain proud … you made the whole tennis world proud." “And then there was London – the Laver Cup in 2022. My final match. It meant everything to me that you were there by my side – not as my rival but as my doubles partner." “Sharing the court with you that night, and sharing those tears, will forever be one of the most special moments of my career.” Federer signed off the 585-word tribute from “your fan Roger”. Image credits: ANDY RAIN/EPA-EFE/Shutterstock Editorial

Retirement Life

Radio presenter announces he was sacked live on air

KIIS FM radio presenter Mitch Churi has revealed that he has been sacked, sharing the information live on air. Churi shared the sad news during the latest episode of The Pick Up, which he hosts with Brittany Hockley and Laura Byrne, revealing to his listeners why he won't be back next year. "So late last week, I was informed by the powers that be... They have identified my roles and roles that won't be returning in 2025," he explained. "So I just want to say that it wasn't my decision. It wasn't my call. I really wanted to stay on this show with the two of you. And I wanted to stay on the night show and I wanted to stay at ARN and KIIS. And that I love working in radio," he said. Churi continued,"You know, I started on The Kyle and Jackie O Show when I was 19 and I was their barista. I was a kid who dreamt to have a show like this. And now I've got more time to dream of more dreams." <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-permalink="https://www.instagram.com/reel/DClRw2qR88Z/?utm_source=ig_embed&utm_campaign=loading" data-instgrm-version="14"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"> </div> </div> </div> <div style="padding: 19% 0;"> </div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"> </div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <div style="padding: 12.5% 0;"> </div> <div style="display: flex; flex-direction: row; margin-bottom: 14px; align-items: center;"> <div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(0px) translateY(7px);"> </div> <div style="background-color: #f4f4f4; height: 12.5px; transform: rotate(-45deg) translateX(3px) translateY(1px); width: 12.5px; flex-grow: 0; margin-right: 14px; margin-left: 2px;"> </div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(9px) translateY(-18px);"> </div> </div> <div style="margin-left: 8px;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 20px; width: 20px;"> </div> <div style="width: 0; height: 0; border-top: 2px solid transparent; border-left: 6px solid #f4f4f4; border-bottom: 2px solid transparent; transform: translateX(16px) translateY(-4px) rotate(30deg);"> </div> </div> <div style="margin-left: auto;"> <div style="width: 0px; border-top: 8px solid #F4F4F4; border-right: 8px solid transparent; transform: translateY(16px);"> </div> <div style="background-color: #f4f4f4; flex-grow: 0; height: 12px; width: 16px; transform: translateY(-4px);"> </div> <div style="width: 0; height: 0; border-top: 8px solid #F4F4F4; border-left: 8px solid transparent; transform: translateY(-4px) translateX(8px);"> </div> </div> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center; margin-bottom: 24px;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 224px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 144px;"> </div> </div> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;"><a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none;" href="https://www.instagram.com/reel/DClRw2qR88Z/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by THE PICK UP (@thepickup)</a> </div> </blockquote> Co host Laura Byrne confirmed the news, adding, "It's a decision that's been made that's out of our control. As you know, Britt and I, we have to continue on doing the show without you and we are utterly devastated." Brittany Hockley added, "You are not only our co-host, but also one of our best friends." Churi ended his announcement with a message to listeners, saying, "And I just want to end this by saying to the listeners who have listened to our show. When you first heard me, I was a kid. I was in the closet." "I was pimply. I was terrified. And I was so happy to be on air. And all those things still really are the same. I have loved every moment of it." ARN confirmed Chrui's departure in a statement which read: "As part of our review of network shows for 2025, Mitch Churi will be departing ARN, with his final day on KIIS being December 13. Mitch has been a cherished member of the ARN family, bringing his unique energy, humour, and talent to our network." Image credits: Instagram

Music

105-year-old shares the secret to longevity

A 105-year-old woman has celebrated her birthday by sharing her two secrets for a long, prosperous and stress-free life. Kathleen Hennings, who lives in a care home in Cheltenham, England, celebrated her 105th birthday with her family, friends and other residents, as she shared some valuable life advice. Kathleen was born in 1919 and had a successful career as an accountant, spending her free time watching operas and ballets at London’s Royal Opera House. Reflecting on her many happy years, Kathleen revealed the secret to living a long life as, “Drink Guinness and don’t marry!” The centenarian was first introduced to Guinness by her parents and her brother, and quickly fell in love with the dark Irish stout, drinking it religiously throughout her life. This is not the first time Kathleen has offered up this advice, and as a result, was treated to some gifts from Guinness as a birthday present. Kathleen was given a hamper by Guinness with pint glasses, a kitchen apron, slippers, chocolates, and, of course, plenty of the famous Irish drink. Commenting on her special birthday, Kathleen said: “It was so nice to see my lovely friends and neighbours. I’ve been spoiled. Thank you so much.” Image credits: Facebook

Retirement Life

How to complain about aged care and get the result you want

<div class="theconversation-article-body"> <a href="https://theconversation.com/profiles/jacqueline-wesson-1331752">Jacqueline Wesson</a>, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a> and <a href="https://theconversation.com/profiles/lee-fay-low-98311">Lee-Fay Low</a>, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a> It can be hard to know what to say, or who to talk to, if you notice something isn’t right for you or a loved one in residential aged care. You might have concerns about personal or medical care, being adequately consulted about changes to care, or be concerned about charges on the latest bill. You could also be concerned about theft, neglect or abuse. Here’s how you can raise issues with the relevant person or authority to improve care and support for you or your loved one. <h2>Keep records</h2> You can complain about any aspect of care or service. For instance, if medical care, day-to-day support or financial matters do not meet your needs or expectations, you can complain. It is best to act as soon as you notice something isn’t right. This may prevent things from escalating. Good communication helps get better results. Make written notes about what happened, including times and dates, and take photos. Try to focus on facts and events. You can also keep a record of who was involved and their role. Keep track of how the provider responded or steps taken to resolve the issue. Write notes of conversations and keep copies of emails. <h2>Who do I complain to?</h2> Potential criminal matters If you have concerns about immediate, serious harm of a criminal nature then you should contact the police, and your provider immediately. These types of serious incidents include unreasonable use of force or other serious abuse or neglect, unlawful sexual contact, stealing or unexpected death. The provider may have already contacted you about this. They are required to report such <a href="https://www.agedcarequality.gov.au/consumers/serious-incident-response-scheme">serious incidents</a> to both the Aged Care Quality and Safety Commission within 24 hours, and to the police. Other matters For other matters, talk to the care staff involved. Try to find out more detail about what happened and why things went wrong. Think about what you expect in the situation. Then talk to the most senior person in charge, to see if they can make changes so things don’t go wrong in the future. This person may be called the nursing unit manager, care manager or care director. Providers must acknowledge and investigate your complaint, tell you their findings and actions taken, and follow up to see if you are satisfied. If you would like support to talk to the provider, the <a href="https://opan.org.au">Older Persons Advocacy Network</a> can help. This free service provides independent and confidential support to help find solutions with the aged-care provider. The network can also help you lodge a formal complaint. <h2>How to I lodge a formal complaint?</h2> If you are not satisfied with the way your provider responded, you can lodge a complaint with the <a href="https://www.agedcarequality.gov.au">Aged Care Quality and Safety Commission</a>. Be prepared to submit the facts and events, plus emails and correspondence, you have already collected. Think about what you want to happen to resolve the complaint. Each complaint is handled individually and prioritised depending on the risks to you or your loved one. The commission will start its processes within one business day when complaints are urgent. The resolution process took <a href="https://www.agedcarequality.gov.au/sites/default/files/media/acqsc-annual-report-2020-21.pdf">an average 40 days</a> in 2020-21. You can complain confidentially, or anonymously if you feel safer. But the commission may not be able to investigate fully if it’s anonymous. Also, there are limits to what the commission can do. It cannot ask providers to terminate someone’s employment, or provide direct clinical advice about treatment. Sometimes the commission has issued a “non-compliance” notice to the provider (for a failure to meet quality standards), and action may again <a href="https://www.abc.net.au/news/2022-05-02/aged-care-complaint-about-southern-cross-care-young/101009716">be limited</a>. So it is a good idea to check the <a href="https://www.myagedcare.gov.au/non-compliance-checker">non-compliance register</a> beforehand to see if your provider is listed. <h2>What do others complain about?</h2> From October to December 2021, <a href="https://www.agedcarequality.gov.au/sites/default/files/media/acqs-sector-performance-data-oct-dec-2021.pdf">about a third</a> of Australian nursing homes had a complaint made to the commission against them. Some had more than one complaint. More than half of these complaints were lodged by family, friends or other consumers. The top reasons for complaints were about: <ul> <li> adequacy of staffing </li> <li> medication administration or management </li> <li> infectious diseases or infection control </li> <li> personal and oral hygiene </li> <li> how falls are prevented and managed </li> <li> consultation or communication with representatives and/or family members. </li> </ul> <h2>What if I’m still not happy?</h2> If you’re not happy when you receive the commission’s outcome, you can request a review with 42 days. You can also request the <a href="https://www.ombudsman.gov.au">Commonwealth Ombudsman</a> to review the complaint if you’re not satisfied with the commission’s decision or the way the commission handled your complaint. <h2>Remember, you have a right to complain</h2> The <a href="https://agedcare.royalcommission.gov.au">Aged Care Royal Commission</a> spotlighted the neglect and substandard care that can occur in nursing homes. Despite attempts to <a href="https://www.health.gov.au/resources/publications/concepts-for-a-new-framework-for-regulating-aged-care">lift the standard of aged care</a>, we know residents and carers still have concerns. Residents, and their representatives or families, have a legal <a href="https://www.agedcarequality.gov.au/consumers/standards/resources">right to speak up and complain</a>, free from reprisal or negative consequences. This right is also reflected in the <a href="https://www.agedcarequality.gov.au/consumers/consumer-rights">Charter of Aged Care Rights</a>, which providers are legally required to discuss with you and help you understand. <h2>Moving to another facility</h2> If you have exhausted all avenues of complaint or feel conditions have not improved, you may decide to move to another provider or facility, if available. This option may not be possible in rural areas. This is a difficult decision. It takes time, as well as financial and emotional resources. Starting again with a new provider can also be disruptive for everyone, but sometimes it may be the right choice. <hr /> Contact the <a href="https://opan.org.au">Older Persons Advocacy Network</a> on 1800 700 600, the <a href="https://www.agedcarequality.gov.au">Aged Care Quality and Safety Commission</a> on 1800 951 822 or the <a href="https://www.ombudsman.gov.au">Commonwealth Ombudsman</a> on 1300 362 072.<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/180036/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/jacqueline-wesson-1331752">Jacqueline Wesson</a>, Senior Lecturer (Teaching and Research), Discipline of Occupational Therapy, School of Health Sciences, Faculty of Medicine and Health, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a> and <a href="https://theconversation.com/profiles/lee-fay-low-98311">Lee-Fay Low</a>, Professor in Ageing and Health, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a> Image credits: Shutterstock 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/how-to-complain-about-aged-care-and-get-the-result-you-want-180036">original article</a>. </div>

Retirement Life

"She was the light of our lives": Family's tribute to hero kindergarten teacher

Eleanor Bryant, 43, put herself in harm's way to <a href="https://www.oversixty.com.au/health/caring/heroic-kindergarten-teacher-identified-after-horror-crash" target="_blank" rel="noopener">save preschoolers</a> from a water tanker that crashed into the Macedon Ranges Montessori Pre-School in Riddells Creek on Tuesday. Now, the mother-of-two and speech pathologist has been remembered for her caring and down-to-earth nature by her family. Bryant's husband and his two young kids expressed their grief in a statement, saying they were "devastated by the loss". "She was the light of our lives: a cherished mother, wife, daughter and sister, and beloved by all her family and enormous network of friends," the statement read. "Her infectious smile, sense of humour and passion for life made her a joy to be around. "There is an enormous hole in our hearts today. "We thank the emergency services for their tireless work and the public for their beautiful tributes. "We will miss her like crazy. We thank you for respecting our privacy at this difficult time." Bryant has also been remembered for the impact she has made as a speech pathologist, with mum Becky Burton thanking her for changing her daughter Milla's life. "I've never met someone that was so engaging, so down to earth, so caring and would do whatever it took [to make sure Milla was happy]," Burton said. "[She was] the most beautiful mum and person just taken so tragically." Bryant tragically died at the scene after the crash, while a three-year-old boy was injured and taken to the Royal Children's Hospital with serious but non-life-threatening injuries to his arm. He remains in hospital and is in a stable condition. The driver of the truck was also taken to the Royal Melbourne Hospital in a stable condition after the "experienced 68-year-old driver is understood to have suffered a medical episode". Parents and family members have since visited the kindergarten and laid flowers and cards as a tribute to Bryant. Family friend Walter Lucas held back tears as he remembered the beloved mother-of-two, saying: "She saved that kid's life.That kid is now going to go off and live their whole life. For her to take her life for that kid, she is more than a hero. "She's a superhero." Clinton Zammit, whose children went to the kindergarten, described the situation as "really sad". "I feel sorry for the woman who lost her life, her kids waking up today and having no mother. An unsung hero to push away kids and not care about anything else but the kids. "It hits home when my kids used to come here and there are other families involved. "We are a close-knit community, we are small but have big hearts and this will affect the community for a while." The pre-school is expected to remain closed for the coming weeks, and ongoing counselling has been offered onsite. Images: Nine

Caring

Hollywood icon reveals plans for retirement

Denzel Washington has revealed that he is going to retire after his next batch of films. The Hollywood icon appeared via videolink on Tuesday’s episode of the Today Show, alongside his co-stars to promote his new film Gladiator II. “I don’t know how many more films I’m going to make. Probably not that many,” the actor, who turns 70 next month, told Today host Richard Wilkins. “I want to do things I haven’t done. I’ve played Othello at 22, I’m about to play Othello at 70,” he said. Denzel will play the role in the Shakespeare play on Broadway alongside Jake Gyllenhaal from February next year. “After that I’m playing Hannibal. After that I’ve been talking with Steve McQueen about a film. After that Ryan Coogler’s writing a part for me in the next Black Panther.” He added, “After that I’m going to do the film Othello. After that I’m going to do King Lear. After that I’m going to retire.” Based on the interview, the actor has six upcoming projects across stage and film, so fans will still get to enjoy a few more of his roles before he retires, following a career that has spanned almost 50 years. Speaking to news.com.au, the actor offered some insight into why he is planning to retire, saying that there are “less and less challenges”, after previously revealing that at this point in his career, there are very few roles he is willing to take. Image: Masatoshi Okauchi/ Shutterstock Editorial

Aussie Vietnam vet reunited with lost war medals just in time

A Vietnam veteran has been reunited with his lost war medals that were missing for a year, just in time for Remembrance Day. When attending a Remembrance Day event in New Zealand last year, Townsville veteran Malcolm Edmiston lost his medals somewhere along the journey to Christchurch from Brisbane. The medals were left sitting unclaimed in Brisbane Airport's lost and found after being found in an airport terminal, before airport staff launched a social media campaign to find their owner. After seeing a post on Facebook, Edmiston was finally reunited with his precious medals just in time for this year's Remembrance Day events. "It's very good to have them back, great to have them back, I thought they were gone and gone for good," Malcolm told <a href="https://9now.nine.com.au/today/lost-war-medals-returned-to-vietnam-veteran-in-time-for-remembrance-day/b03bf4df-0d3c-440b-9783-1e6c7ac73a11" target="_blank" rel="noopener">Today</a>. "The zip was opened on my case and somehow they fell out, so it's a good reminder for us to take extra care when we pack." Malcolm was not the only one in his family to serve the country, sharing how his father served in the Royal Navy, he had uncles in the Royal Australian Air Force and and the Royal Air Force and a brother who served in Naval Reserve. His son also served in the Navy and with so many of his fellow Vietnam veteran soldiers no longer alive, having his medals back today is something special. "Remembrance Day is a very important day for me," he said. Brisbane Airport's media manager Peter Doherty added that he was thrilled to see the medals return to their rightful owner. He said, "For Malcolm's lifetime of service, the least we could do was the door-to-door service to get the medals back to him." Image credits: Today

Retirement Life

I spoke to 100 Japanese seniors, and learnt the secret to a good retirement is a good working life

<div class="theconversation-article-body"> <a href="https://theconversation.com/profiles/shiori-shakuto-1537774">Shiori Shakuto</a>, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a> What makes a good retirement? I’ve <a href="https://www.pennpress.org/9781512827088/after-work/">been researching</a> the lives of “silver backpackers”: Japanese seniors who embark on a later-life journey of self-discovery. Many experienced Japan’s high-growth economy, characterised by rigid gender roles. For many men who worked as iconic cultural figures of <a href="https://en.wikipedia.org/wiki/Salaryman">sarariiman</a> (white collar workers), excessive working hours were normalised and expected. Their absence from home was compensated by their female partners, many full-time stay-at-home mothers. Entering their 60s meant either retirement from work, or children leaving home. For men and women, retirement is understood as an opportunity to live a life for themselves, leading to a journey of self-discovery. <h2>Dedicating life to work</h2> I interviewed more than 100 older Japanese women and men and found a significant disparity in the quality of life between them. Japanese retired men who led a work-oriented life struggled to find meaning at the initial stages of retirement. One man I spoke to retired at the age of 60 from a large trading company. He was a successful businessman, having travelled the world and held various managerial positions in the company. His wife looked after the children most of the time. They bought a house with a yard in a suburb so the children could attend a good school. It significantly increased his commute, and further reduced his time with children. He also worked on weekends. He barely had time to develop his hobbies or get to know his neighbours. He idealised his retirement as a time to finally spend with his family and develop his own hobbies. When he retired, however, he realised that he and his family didn’t have any common topics of conversation. Through decades of excessive hours spent at work away from home, the rest of the family established a routine that did not include him. Taking up new hobbies at the age of 60 was not as easy as he thought, nor was making new friends at this age. “I became a nureochiba,” he lamented. Nureochiba refers to the wet fallen leaves that linger and are difficult to get rid of. The term is commonly used to describe retired men with no friends or hobbies who constantly accompany their wives. The retirement for many former sarariiman was characterised by boredom – having nowhere to go to or having nothing to do. The sense of boredom led to a sense of isolation and low confidence in old age. Many older Japanese men I spoke to lament not having built a connection with their children or communities at a younger age. <h2>Dedicating life to family and community</h2> Older Japanese women I spoke with were more well-connected with their children and local communities in later life. Many were in regular contact with their children through visits, phone calls and messages. Some continued to care for them by providing food or by looking after grandchildren. Children very much appreciated them. Many older women who had been full-time stay-at-home mothers had already taken up hobbies or volunteering activities at community organisations, and they could accelerate these involvements in their old age. Even women who worked full-time seemed to maintain better connections with their family members because working excessively away from home was simply not possible for them. Older men relied on these women’s networks and activities conducted at the scales of home and communities – from caring for others to pursuing hobbies – to enact a meaningful retirement. The sense of connection with family and communities, not to mention their husbands’ reliance on them, led to a high confidence and wellbeing among older women. I saw many instances where older women preferred spending time with their female friends than their retired husbands and embarked on adventurous trips alone. One woman went on a three-month cruise alone. Feeling liberated, she sent a fax message to her husband from the ship: “When I get off this ship, I will devote the rest of my life to myself. You will have to take care of your own mother.” Upon disembarking, she moved to Malaysia to start her second life. <h2>The silver backpackers</h2> Malaysia has become a popular destination for silver backpackers looking to embark on a journey of self-discovery. Some travel as couples, while others go alone, regardless of their marital status. For many male silver backpackers I spoke to, moving to Malaysia offers a second chance at life to make new friends, find hobbies and, most importantly, start anew with their partners. For many female silver backpackers, visiting Malaysia means being able to enjoy an independent lifestyle while having the security of friends and family in Malaysia and Japan. The experiences of older Japanese men and women can be translated into the experiences of anyone who spent excessive hours at work and those who spent more time cultivating relationships outside of work. The activities of the latter group are not as valued in a society that narrowly defines productivity. However, my research shows that it is their activities that carry more value in old age. Are you under pressure to work long hours? If you can, turn off your phone and computer. Instead of organising events for work, organise a dinner with your family and friends. Take up a new hobby in your local community centres. You can change how you work and live now for a better old age.<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/238571/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/shiori-shakuto-1537774">Shiori Shakuto</a>, Lecturer in Anthropology, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a> Image credits: Shutterstock 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/i-spoke-to-100-japanese-seniors-and-learnt-the-secret-to-a-good-retirement-is-a-good-working-life-238571">original article</a>. </div>

Retirement Life

Kyle Sandilands throws drink at Ben Fordham live on-air

Kyle Sandilands and Ben Fordham have clashed during a live interview. The radio rivals joined John Laws' on his 2SM show on Wednesday, for one of Laws' final shows before he retires when things got heated. The trio had been chatting about various topics for 15 minutes when the conversation turned to the US election. After Sandilands gave his opinion on Trump's strong performance, Fordham sarcastically responded with: “Of all the experts on American politics, what an honour for John Laws to have Kyle Sandilands commenting on it this morning.” The comment sparked an immediate reaction from the KIIS FM host, who retaliated with: “I’ll throw this water in your face, b***h." "I don’t care who you think you are.” “Well go on, do it!” Fordham challenged him. The 2GB host pushed him over the edge when he said: “You talk tough to the paparazzi …” and was cut off when Sandilands threw a tall glass of water over his face and chest. “Oh my lord!” a shocked Fordham said. “There you go,” Sandilands told him. “Don’t push a Brisbane boy.” Laws seemed rather amused by the chaos, and as Fordham tried to dry himself off, he took another cheeky dig at Sandilands. “Kyle’s wet too, but that’s perspiration,” he said. The interview went on for another 15 minutes and towards the end of the chat Laws apologised to Fordham saying: “I’m sorry you’re wet." “I bet you’ve never said that before,” quipped Sandilands. To make matters worse for Fordham, the NSW premier, Chris Minns was waiting just outside the studio doors. “I’ve got all this water all over me, it looks like I’ve wet myself, and now I’m going to go outside and there are VIPs out there,” Fordham said. “Embarrassing.” On Thursday morning, the KIIS FM radio host reflected on the on-air clash, claiming that he was the one who invited Fordham to appear with him on Laws' radio show. “I shouldn’t have invited him, I’ll never invite him anywhere again,” he said. “He just carried on like a carnival person,” Sandilands continued. “He kept yelling and he kept interfering.” In response, Fordham reportedly told news.com.au, “Kyle knows he’s boring on his own. That’s why he roped me in to join him.” Images: 2SM/ news.com.au

Music

"The time has come": Ray Hadley announces retirement

After 43 years on air, Ray Hadley has announced he will be stepping back from his hosting role at 2GB. Hadley shocked his loyal listeners on Thursday morning, saying his extensive career has been "one hell of a ride". “It’s been a hell of a ride from a young bloke who wanted to call the races," he said. "But the time has come for someone else to do the job. So December 13 will be my last day broadcasting." “Apparently the story has broken somewhere. There’s always a leak somewhere, so I may as well do it now, earlier than I anticipated,” he said. “Sometimes you can’t keep things secret, and I suppose in the media, that’s what happens." “I’ve achieved far more than I ever thought I would. My children, Dan, Laura, Emma and Sarah, have made sacrifices over the years for me to realise my ambitions." "Back in September I turned 70, I started to think, how long I've got left on this Earth, and do I want to keep getting up at half past three in the morning, meaning I go to bed early. At social events I'm always the first out the door. I don't want to be the first out the door anymore." Hadley assured listeners he would not be disappearing completely, clarifying, "I'm not retiring from work. I'm just retiring from full-time radio. I'll bob up somewhere in 2025 but not in a full-time capacity, and certainly not on radio." Shortly after making the on-air announcement, NSW premier Chris Minns called into the show to share a tribute. “Ray, you shocked us all. What a massive day in New South Wales radio, and a huge loss for Sydney in particular," Mr Minns said. “We’re genuinely going to miss you. I’m in shock at the moment. It’s a distinguished career. It’s an incredible legacy. But if I was someone up in one word, I would just say fearless, a broadcasting career that’s been completely fearless, and you’ve never, ever pulled your punches in something that you believe in." Image credits: Instagram

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I spoke to 100 Japanese seniors, and learnt the secret to a good retirement is a good working life

Kyle Sandilands throws drink at Ben Fordham live on-air

"The time has come": Ray Hadley announces retirement

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