Grey Power September 2016

GreyPower
NATIONAL
NATIONAL
MAGAZINE
A lifestyle quarterly and official publication of Grey Power
www.greypower.co.nz
ISSUE 27: SEPTEMBER 2016
Cunning scammers
target our seniors
From the Minister for Seniors,
Hon Maggie Barry
Losing money to a scammer is
an awful experience for anyone
– and as I have heard from so
many seniors, it is a particular
fear for many older people.
Scammers are becoming more
cunning and inventive and with
the growth of the internet, they
have more opportunities to reach
victims, and it is a sad reality that
many of those they target are seniors.
It might seem obvious in hindsight
but many of these so-called “investment
opportunities”, romance scams or
approaches by phone or computer can
seem very genuine at the time. You need
to protect yourself by watching out for
“red flags” – signs that what you are dealing
with may be a scam.
New Zealand’s Banking Ombudsman,
Nicola Sladden, says scammers use a
range of different techniques to develop
a “friendship” with their victim, play on
their emotions and actively discourage
them from talking about the apparently
“great investment opportunity” on offer
with their real and trusted friends and
family.
One big red flag is a so-called “friend”
who never actually appears in person, but
only ever wants to talk over the phone or
via email.
As Minister for Seniors I am very
aware that some of our older people are
very trusting and potentially vulnerable
to this type of fraud, especially if they are
lonely or isolated and in need of companionship.
But couples and families can also become
victims. One recent case involved
an older couple in their seventies losing
their savings in a Hong Kong investment
scam.
Within eight weeks of first being
hooked by the scam, they had withdrawn
their entire life savings of $70,000 and
started taking out loans with their bank
to capitalise on the “investment”.
The bank did ask why they had made
the withdrawals but they had been persuaded
not to say anything by the scammer.
The Ombudsman felt the bank ought
to have taken its inquiries further and
recommended it refund half the loans
the couple had taken out.
But they still lost half their savings
because it was judged they should have
Continued on page 4
President Tom
reports – p20
Changing attitudes
towards dementia – p3
Advocacy
Report – p45
Readers’ letters
– pages 36 to 41
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NATIONAL GREYPOWER MAGAZINE » SEPTEMBER 2016 3
Dementia as seen through art and design
Demographic change
requires a new approach to
dementia.
A
project supported by the Austrian
Science Fund FWF creates
awareness of the issue
using innovative artistic methods
that sharpen the perception and
sensitivity of people unaffected by
the ailment.
Dementia patients often suffer from
social stigma.
Everyday errands such as shopping,
financial transactions or going to the
theatre may be difficult for them, so
they withdraw from society in order to
avoid rejection and embarrassment.
“D.A.S. Dementia. Arts. Society.” is
the title of an FWF-funded project in
which principal investigator, Viennese
artist and researcher Ruth Mateus-Berr
and her team are investigating ways to
avoid this tendency and to change society’s
attitude to dementia for the better.
In the coming three years, the project
team will tackle the issues of an ageing
society by focusing on new realities and
creating awareness of what it means to
be living with dementia.
“Where social policy, nursing and
medicine are at the end of their tether,
strategies involving art and design may
make people with dementia see their
own skills and their situation in a new
way. This is a completely novel approach,”
explains Ruth.
ARTISTIC INTERVENTIONS
For non-sufferers it is hard to under-
stand what it means to slowly lose one’s
mental faculties and, consequently,
one’s bearings in the world.
For sufferers it is a state mostly
marked by anxiety and confusion.
These are the feelings that Ruth intends
to investigate with her interdisciplinary
research team in this arts-cumscience
project.
In co-operation with different target
groups they have developed artistic initiatives
that enable the participants to
approach the topic from an emotional
angle. The team from the Vienna University
of Applied Arts works with children
and young people, with adults at
adult education institutions, with artists
and with sufferers and their caregivers.
The participants then discuss and reflect
on their experience with experts.
CHANGING PERSPECTIVES
The first requirement is awarenessbuilding.
“Particularly young people often
have no understanding of the elderly”,
notes the project leader, who is a professor
at the University of Applied Arts
in Vienna and once a week also teaches
young people at the Bertha von Suttner
School which is located on a ship anchored
on the River Danube. “This is
why we want to explain to young people
and to society what it feels like when
your own senses betray you,” says Ruth.
The research project arose from
the master project “Feel Dementia”
conducted by two students of the
Master’s degree course “Social Design.
Arts as Urban Innovation” at the
Vienna University of Applied Arts: the
artist Cornelia Bast and the designer
Antonia Eggeling.
The two women designed two interventions:
an audio file that floods
listeners with a wealth of information
and tasks in order to create confusion
and a procedure which enables participants
to share the patients’ situation by
means of an art object called “Fokung
Wirkus” (Cornelia Bast). Shaped like
a giant diver’s helmet, the object is
placed over participants’ heads, restricting
their view.
Different lenses providing different
perspectives are the only way to see.
– This triggers irritation and a feeling
of helplessness and can even lead to a
sense of “having a nervous breakdown”,
as some young people said in their
feedback.
The next step consists of documenting
one’s feelings. How does it feel to be
confused? – The participants deal with
this question through art, in writing
or in interviews. The project team
then documents and evaluates these
“confusion logs”. Exhibitions about the
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NATIONAL GREYPOWER MAGAZINE » SEPTEMBER 2016
Older people leading the way with patient portals
When general practices
began offering patient
portals, there was an
expectation young ‘digital
natives’ would be first in
line. But the reality has
been quite different.
Patient portals are a secure, online
way to help you to manage
and keep track of your health
24/7. They are increasingly being offered
by general practices around
New Zealand, and are a bit like online
banking for your health.
Depending on what your GP has included,
you can use a patient portal to
book appointments, access your medical
history, and check your medical records
and lab results. You can even request prescription
repeats or send a quick email to
your GP.
As at August 2016 more than 330 practices
offered a patient portal and 173,000
plus patients were registered to use one.
Research in early 2016 found people
aged 65 years and over were very supportive
of portals, with 75 percent saying they
would be likely to use one.
SOME OF THEIR COMMENTS WERE:
• “Easier access to important and useful
information.”
• “Record of results and what was recommended
in case I forget.”
• “Very useful while traveling. Easy to
make appointments or order scripts.”
• “Not having to phone busy practice
personnel”
• “I consider that we have to be our own
health managers, and this could be a
useful management tool.”
In fact, 86-year-old Peter is such a supporter
of patient portals he switched GPs
in an attempt to access one.
Peter had read about patient portals,
given them some thought, and gone to the
patient portals’ website to find out more.
“At my age, it would be so much easier if I
could get information through the portal.
I wouldn’t have to travel to the doctor as
done their own due diligence more thoroughly
before signing away their money.
Another common type of scam is called
“phishing”, when the victim receives an
email or phone call claiming to be from
their bank and asking for personal details
about their account numbers and passwords.
The email may even have a link to a
website which is designed to look like your
bank but it could all be fake. You need to be
aware that once you send them your details
they will have everything they need to access
your money.
Under no circumstances should you
ever hand over your banking details on the
phone or via email – no bank would ever
ask for them and if in any doubt you should
phone or contact your bank directly to verify
if it is genuine.
much, and I could make appointments
and renew prescriptions through it.”
Peter’s wife died of cancer three years
ago and he wishes they’d had access to a
portal then.
“We would have had more information
and could have been more active in
the management of her illness.”
“Doing the best thing for my health is
very important to me. I may be 86, but
my oldest brother is 95!
“I’ve been in my house for 35 years
and I want to stay here. Things like patient
portals make that easier because
You can read more about how to avoid
scams and how your bank and Banking
Ombudsman can help on the Office for
Seniors website: www.superseniors.msd.
govt.nz.
OMBUDSMAN’S GUIDE ON BANKING
Make sure you know who you are dealing
with.
• Do an internet search and look for reviews.
Check Consumer Affairs’ scam
alert website, ask for a physical address
you can check, and look the company
up on the Companies Register.
• Check with someone independent and
trustworthy before you commit to anything.
• Do not give out account details unless
the business is established and trusted.
• Never accept money into your account
for subsequent transfer to others.
• Never give out your password.
• Check your accounts regularly to ensure
you can do more without leaving home.”
The Ministry of Health has now introduced
an on-line map showing which general
practices offer patient portals www.
patientportals.co.nz. If your GP is among
them, ask about registering and they will
set you up with a secure username and
password.
Your information will remain totally
confidential. If your practice doesn’t yet
offer a portal, you can send them a message
through the online map saying you’d
like one – or talk to them about it at your
next appointment.
Cunning scammers target our seniors
From page1
money is only going to the right places.
• Report any likely scams to your bank
and Consumer Affairs via its website.
• If you are emailing somebody about financial
matters involving transferring
money, check the arrangements with
the person using a means of communication
other than email. Each year
we receive complaints from people
who have lost money through email accounts
being hacked and fraudsters assuming
the identities of others.
• Contact your bank immediately if you
suspect you have been scammed. The
bank may be able to reverse the charges
but it may not be able to if you have authorised
the payment.
Unfortunately the old adage, “if it is too
good to be true, it probably is” is almost always
right and we all have to be vigilant to
look after our financial security.
Caveat emptor – let the buyer beware!

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2016 5
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NATIONAL GREYPOWER MAGAZINE » SEPTEMBER 2016
interRAI and how it works for you
Firstly, what is interRAI?
The term interRAI refers to both
the international organisation
(www.interrai.org) responsible
for developing comprehensive clinical
assessment systems for people
with health and care needs, and the
suite of assessment tools available to
use when assessing people.
Each tool in the Comprehensive Clinical
Assessment interRAI suite has been
developed for a particular population and
so far, New Zealand has introduced the
tools specific to the assessment of Older
People. All district health boards have
been using interRAI since 2007 and from
July 1 2015, it became mandatory for all
aged residential care (ARC) providers to
use interRAI as the primary assessment
tool for their residents.
interRAI provides a standard platform
for an assessment that gathers information
about a person to form a complete
picture of their health and care needs.
interRAI offers New
Zealanders assurance
that wherever you live,
whatever care needs you
have, you will receive
a quality assessment
that meets current best
practice.
The interRAI software displays information
for health professionals to make
decisions and plan people’s care, highlighting
opportunities for improvement
and potential areas of decline.
It helps those who provide care to create
individualised care plans, which can
lead to improved health outcomes.
The Central Region’s Technical Advisory
Service (TAS) is the national
service provider for interRAI in New
Zealand and is responsible for training
and supporting people who undertake
assessments to use the inter-
RAI tools effectively and consistently.
What does interRAI do for you?
If you or your loved one are being assessed,
the real value of the interRAI ap-
proach is that all the information about
your health and wellbeing is gathered
through one assessment process, rather
than through a battery of different tests.
This means all of the information
about you or your loved one is in one
place, health professionals and care providers
can access it from your GP practice,
community health service, hospital
or residential care facility. You do not
need to take written patient notes with
you when you move between care providers
and you do not need to repeatedly answer
the same questions every time you
see someone else.
Care providers use the comprehensive
information gathered during the assessment
to create a personal, individualised
care plan that considers your overall
health and wellbeing and highlights
where you have certain health care and
support needs.
Having had an interRAI assessment,
means you can access government funded
support when needed – such as day
care, respite care, moving to a residential
facility and on to residential hospitallevel
care.
interRAI offers New Zealanders
assurance that wherever you live,
whatever care needs you have, you will
receive a quality assessment that meets
current best practice.
What does interRAI do for care providers?
Using interRAI as the primary assessment
tool removes duplication of processes
for care providers, creating one
place for all information about the person
in their care. The software can also create
the care plan, drawing on the information
in the assessment.
New Zealand is the first country in
the world to introduce interRAI nationally,
across services for older people. The
unique opportunities presented by the
use of a standardised assessment tool,
using software designed to improve the
care of people, across an entire population
cannot be underestimated.
TAS has established a National inter-
RAI Data Analysis and Reporting Centre
to analyse and report interRAI information
for use by healthcare professionals
and policy makers to develop better
health services.
By considering groups of answers to
particular questions in the assessment,
the interRAI software offers care givers
the ability to focus on a particular area
of health need and highlights where they
should focus their resources.
What does the data tell us?
The centre is now producing a
range of interRAI information reports,
which can be used in many ways such
as to target priority groups or identify
groups that are at greater risk.
The overall picture is developed using
a scoring system to evaluate a person’s
overall health status and functional
ability.
Graph 1: Total Number of Assessments 2014-15
Graph 2: MAPLe Scores
One of the indicators, of particular
interest to home and community care
providers, is the Method of Assigning
Priority Level (MAPLe) score, which
is used in Home Care assessments.
This highlights a person’s ability to do
activities of daily living – such as eating,
dressing, showering – how well
they can think for themselves, make
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NATIONAL GREYPOWER MAGAZINE » SEPTEMBER 2016 7
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NATIONAL GREYPOWER MAGAZINE » SEPTEMBER 2016
Complacent Nation
OPINION
FROM DR GAVIN ELLIS
Senior lecturer at the University of
Auckland
Dr Ellis is a media
commentator and former
editor-in-chief of the
New Zealand Herald.
“Complacent Nation”
is part of the BWB Text
series published by Bridget
Williams Books (hard copy
$14.99, e-book $4.99).
The New Zealand public are a
perplexing paradox.
They leap into paroxysms of
patriotic fervour at the sight of 15
men charging with an oval ball, or one
woman hitting a small round one with
a stick.
They break out ‘The End is Nigh’
signs when attempts are made to regulate
what lightbulbs they may use, and
have strong views on a symbolic piece
of cloth (even if they don’t vote to
change it).
Yet, when a fundamental human
right is threatened and eroded, they fall
strangely silent.
Perhaps they believe life in a free
country is somehow self-perpetuating.
Unfortunately, it is not.
The right that has been threatened
and eroded is the right to know.
It is embodied in the freedom of expression
clauses of the New Zealand
Bill of Rights Act and the United Nations’
Universal Declaration of Human
Rights. It is the underlying principle of
the Official Information Act. That, one
might think, invests it with an inalienable
status. One would be wrong.
The right to know in New Zealand
Dr Ellis
has become deeply politicised, with the
release of official information assessed
on the basis of political risk. The requirement
that public servants adopt
a ‘no surprises’ approach means the
ministers who oversee their activities
are able to block, delay or water down
inconvenient truths while leaving their
departments to ‘take the heat’.
They are able to do so because, for
every legislative clause ‘guaranteeing’
freedom of expression, there are a score
of provisions that allow the ‘guarantee’
to be ignored.
The Bill of Rights Act allows rights
to be over-ridden by “reasonable limits
prescribed by law as may be demonstrably
justified in a free and democratic
society”. Section 5 of the Official
Information Act states the principle
that “information shall be made available
unless there are good reasons for
withholding it”.
These get-out clauses have allowed
legislators to include – in an Act purportedly
designed to allow the public to
know what the state is doing on its behalf
– 56 grounds for ignoring
the principle that official information
should be available.
Both the Labour-led Government of
Helen Clark and the present Nationalled
Government have used these provisions,
together with the ‘no surprises’
policy and the replacement of public
service tenure with (may be) renewable
term contracts, to manage what the
public is allowed to know. Both have
used the get-out provision of the Bill
of Rights Act to propose and pass laws
that would otherwise breach our rights.
Public servants and journalists tell
disturbing stories about the way official
information is now routinely viewed
through a lens that places the interests
of ruling politicians uppermost. I am
also concerned about what might come
next.
Politicians know from experience
that they can make inroads into our
right to know without raising the ire
of the public. They also know that the
public is increasingly driven by emotive
issues and can be diverted away from
bothersome detail.
There are three scenarios under
which our right to know – including the
right of journalists to seek information
on the public’s behalf – could be dramatically
curtailed.
One is the implementation of draconian
anti-terrorism laws following
attacks in this country, another is widespread
privatisation of state functions,
and the third is the election of a populist
right-wing government. In each
case restrictions circumvent the Bill of
Rights Act on the basis that they are
within “reasonable limits”.
Some restrictions under those scenarios
may be justified: There is broad
recognition that free speech is not entirely
without limits. However, circumstances
also allow politicians to give
the state powers that go beyond what is
necessary and proportionate.
The anti-terrorism laws of Australia,
the United Kingdom, Canada and
the United States are proof of that. So,
too, is the execution of police search
warrants on the homes of New Zealand
journalists like Nicky Hager and Heather
du Plessis-Allan.
I argue for an over-arching safeguard
by establishing the Bill of Rights
Act as supreme law. It would allow the
Supreme Court to review laws and regulations
seen to be in breach and refer
them back to Parliament for reconsideration,
as is the case in Canada. Getout
clauses would have a high hurdle to
jump.
Politicians will not initiate such a
safeguard. They have already ignored
calls for it by former Prime Minister Sir
Geoffrey Palmer and the late jurist Lord
Cooke of Thorndon. It will happen only
if there is a widespread demand that
tips the political scales. And for that to
happen New Zealanders will need to be
shocked out of their complacency.
Dementia as seen
through art and design
From page 3
project are in the pipeline.
DESIGNING THE SOCIETY
“D.A.S. Dementia. Arts. Society.”
is characterised by a new approach to
complex issues. Putting oneself empathetically
in someone else’s shoes and
in different situations, observing and
questioning processes are strong points
of art and design.
In the case at hand, these faculties
are designed to trigger social processes
and provide interdisciplinary approaches
underpinned by a scientific basis.
“Interdisciplinarity works particularly
well in the arts, if you don’t shrink
from asking questions about other disciplines,
such as medicine. We have to
learn to understand others so as to permit
change”, emphasises Ruth.
The artist specifies that the project
aims at developing practice-oriented
and sustainable formats, such as workshops,
design and art concepts, in order
to help overcome in the course of time
the challenges the issue presents both
to society and those affected. “I see
many possibilities”, she concludes.
Personal details
Ruth Mateus-Berr (http://www.
ruth-mateus.at) is a Professor at the
University of Applied Arts Vienna, an
artist and design researcher, an art
therapist and teacher. Working at the
interface of art and science, she has for
a number of years been dealing with
interdisciplinary questions relating to
medicine, society and urbanism at two
Institutes, “Social Design. Arts as Urban
Innovation” and “Design, Architecture
and Environment for Art Education”.
Project website: www.dementiaartssociety.com
Project team:
Ruth Mateus-Berr (www.ruth-mateus.at)
– principal investigator Cornelia
Bast (www.corneliabast.com, www.
feeldementia.com) Antonia Eggeling
(ww.antoniaeggeling.com, www.feeldementia.com)
Elisabeth Haid (www.
elisabethhaid.com) Pia Scharler (www.
getusedto.it) Tatia Skhirtladze (www.
tatias.net)
Infobox:
About ten million people in Europe
suffer from dementia, a number set to
double by 2050. This trend triggers social
challenges which society will have
to cope with particularly in urban environments.
According to the 2014 UN
report “World Urbanization Prospects”,
73 percent of Europeans and 82 percent
of North Americans already live in cities,
and these proportions are on the
rise. Numerous art initiatives in Europe
and North America, such as the FWF
project “D.A.S. Dementia. Arts. Society.”
at the University of Applied Arts
Vienna, are seeking to create awareness
for this development and increasingly
place their focus on dementia, such as
the Model Project “Village of Dementia”
www.dementiavillage.com in the Netherlands,
the MoMA Alzheimer’s Project
www.moma.org/meetme in New York
or “(Don’t) Mention Dementia” by the
British media artist Derek Eland www.
derekeland.com/dont-mention-dementia.

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watching TV
more enjoyable
Did you know there
are two free services
that can help you get
more enjoyment out of
watching TV?
If you sometimes struggle to hear
the TV, then captioning could
help you to get the most out of
your favourite programmes. And
if you have trouble seeing your TV,
audio description could be the service
for you.
Captions are just like subtitles on
foreign films. They’re a text transcription
of the programme dialogue, music
and sound effects, and appear at
the bottom of the screen, in time with
the dialogue. Captions are designed
for those who are deaf or hard of hearing,
and can also help people who are
learning English or learning to read,
and anyone who is having trouble
hearing their TV.
Does someone you know
have trouble hearing
or seeing their TV?
Captioning and audio
descripton could help
them! Visit able.co.nz
for more info.
We often hear from viewers who
have trouble distinguishing voices
from background music - captions
can help make your favourite TV programmes
clearer and easier to understand,
meaning you don’t miss out on
anything.
Captions are available on New Zealand
free-to-air TV channels; TV ONE,
TV2, TV3, Prime and Duke, plus some
SKY channels.
Audio description is an alternate
audio track that provides a narration
of the on-screen action. Sometimes it
can be hard to make out what’s happening
in a particularly dark scene,
and audio description can help fill in
the gaps.
For instance, the opening of Coronation
Street has a narration like this:
“The rain-washed streets of Weatherfield.
A couple strolls along the pavement,
away from the corner shop. A
ginger cat jumps off an outhouse roof
into a backyard. A tram glides along
the railway bridge overlooking the
Rovers Return. Slate rooves and chimney
pots. Coronation Street.”
Audio description is designed for
people who are blind or vision-impaired,
but it can be useful for anyone
who is having trouble seeing their TV.
Audio description is available on TV
ONE and TV2.
Both these services are completely
free and easily accessible on your TV.
You can visit www.able.co.nz for full
instructions on how to access the services,
or contact us on 09 950 5172 or
hello@able.co.nz, and we’ll post you
out an instruction booklet.
Why use captioning and audio description?
Captioning and audio description
can help you to follow along with your
favourite programmes. Watching TV
is a great way to relax, but it can be
frustrating if you can’t quite hear the
TV or if you can’t make out the words
from the loud music in the programme
soundtrack.
You can flick your eyes over the captions
while you’re watching, and they
will help you catch everything that’s
happening.
Using audio description can also
bring colour to your TV-viewing experience.
If you’re not able to see the TV
very well, audio description can add
so much to your enjoyment of a programme.
Colour, detail, facial expressions,
small movements – audio description
describes everything from the colour
of the curtains to the make and model
of the car!
Who is Able?
New Zealand’s only captioning and
audio description service, not-forprofit
organisation Able make TV content
accessible for deaf, hard-of-hearing,
blind and vision impaired New
Zealanders.
We work with TVNZ, MediaWorks
and SKY to provide captioning and/or
audio description for their channels,
assisted by funding from NZ On Air.
We’re based in Auckland, and have 30
dedicated staff who produce captioning
and audio description.
Olympics captioning
We’re thrilled to have brought New
Zealanders captioning for the Olympic
Games, for the first time this year.
In August, 200 of New Zealand’s
best athletes competed in the world’s
largest sporting event. Coverage of
the Rio 2016 Olympic Games was provided
by Prime, and while the Games
were on, our captioners worked hard
to bring Kiwis who are deaf or hardof-hearing
as much captioned content
as possible.
“We’re absolutely delighted to have
brought New Zealanders captioning
for the Olympics,” says Wendy Youens,
chief executive. “The Olympic Games
are the world’s biggest sporting event
and are ingrained in our national
identity, so we’re thrilled to been able
to make them accessible to deaf and
hard-of-hearing New Zealanders.”
Through our captioning services,
when Kiwis competed and won, deaf
and hard-of-hearing viewers were
able to be part of the excitement and
achievement, along with the stadium
of cheering fans - something we think
no one should have to miss out on.
Captions for Prime’s Rio 2016
Olympic Games coverage were made
possible through funding from The National
Foundation for the Deaf. To find
out more about their work, visit www.
nfd.org.nz.

NATIONAL GREYPOWER MAGAZINE » SEPTEMBER 2016 11
Are NZ retirees getting a fair deal?
FROM SENIOR TRUST
RETIREMENT VILLAGE
LISTED FUND
“Many don’t think so,” says
Senior Trust’s John Jackson.
Today’s retirees compare the mortgage
loan rates (frequently in double
figures) that they had to pay,
while also saving for their retirement –
with today’s historically low mortgage
interest rates.
With low mortgage interest rates come
low bank interest rates. Today’s 10-year
rate, standing at just 2.46 percent, suggest
low deposit rates are with us for a long time.
With such low returns on their bank savings,
many are unable to live the retirement
life they had planned and saved for.
However, just as market forces play a
part in determining the interest rate, so too
do they generate competition, which now
sees opportunities in the managed fund investment
arena.
The financial markets are presenting
savers with new investment options and a
stronger regulatory environment – an investment
aspect of particular importance to
us all.
The new environment is built on the Financial
Markets Conduct Act and powers
granted to the Financial Markets Authority.
These reforms are a result of Government
determination to promote public confidence
in a broader financial market and to provide
better protection to ‘mum and dad’ so providing
a fair playing field for those investors
who accept that the risk profile of managed
investment schemes is greater than bank
term deposits but are looking to make their
savings work harder.
Senior Trust Retirement Village Listed
Fund (the Fund) is a managed investment
fund offering investors both a targeted distribution
rate of 6 percent (pre–tax) and the
knowledge that’ its manager is ‘licensed’ under
the new regulatory regime –the Financial
Markets Conduct Act.
While many managers have not yet attained
this standard of compliance all managed
investment scheme managers (including
banks) must comply with this new
‘licensing’ scheme by December 1 2016.
The licence sets exacting minimum compliance
standards for managers -in how
they conduct their business; the financial
resources they must have; their governance
arrangements; and whether the Directors of
the company are fit and proper to be Managed
Investment Scheme managers.
As a licensed, niche-market fund, Senior
Trust specialises in lending to retirement
villages and aged-care facilities throughout
New Zealand, securing their investment
with mortgages capped at 60 percent of the
independently-assessed value of the security.
The assessment is based on a mortgage
valuation by an independent registered
valuer.
It’s an investment strategy that the Senior
Trust management team have been
involved in since 1999. Many of this Trust’s
family of investors are older people who,
over the years, have been investing and reinvesting
in a sector they understand and
have an affinity for.
“Many of our investors are retirees themselves,”
says Senior Trust’s John Jackson.
“Cheap mortgages and record bank profits
are of little use to people like them, who
need a fair return on a lifetime of savings to
combat a rising cost of living.”
The Funds current offering has a targeted
investment return of 6.0 percent *
pre-tax pa.
Investors wanting their capital to work
harder can find out more at Senior Trust’s
website www.seniortrust.co.nz where further
information about the Fund, our contact
details and an application form can be
found.
*The 6.00 percent p.a. (before tax) targeted
distribution rate is not guaranteed.
The targeted distribution rate is the estimated
net return derived from loans made
by the Fund. The target is calculated after
making an allowance for the deduction
of fixed costs from the predicted interest
income flow. The actual distribution rate
paid may vary. The circumstances under
which the distribution rate may vary
are detailed in the investment statement.
The units in the Senior Trust Retirement
Village Listed Fund have been approved
for quotation on the NZX Main Board.
However, NZX Limited (NZX) accepts no
responsibility for any statement in this
letter. The NZX Main Board is a licensed
market operated by NZX, which is a licensed
market operator, regulated under
the Financial Markets Conduct Act 2013.
The minimum subscription is $100 and
applications for investment will only be
accepted on the form supplied.
Ombudsman for retirees?
In Victoria, Australia, a number of advocacy
groups are campaigning for a special
Ombudsman to administer complaints
against the retirement housing sector, including
residential parks.
The Consumer Law Action Centre (Victoria)
has reported older people routinely
calling for advice about unfair fees, complex
contracts bullying an intimidation.
Sound familiar?
Some of these issues are what we regularly
hear about from park residents.
Retirement housing, or housing targeting
older people falls under a number of different
laws in Victoria, as it does in NSW.
The idea behind a special Ombudsman is
that one body would have oversight over all
of the different types of housing.
In NSW we are seeing a huge expansion
in residential parks targeting older people
and there are often calls for greater regulation
and oversight of the retirement village
industry. So would NSW also benefit from a
special Ombudsman?
Amelia Christie from the Combined
Pensioners & Superannuants Association
(CPSA) believes that a NSW Ombudsman
able to deal with issues arising in retirement
housing could be worthwhile:
“CPSA hears from far too many people
who have been duped by the retirement
housing sector. Unfair contracts, neglected
maintenance and services, and rapidly increasing
fees that weren’t explained are far
too commonplace.
“Right now people have limited avenues
to take to get these issues rectified.
CPSA would welcome the introduction of a
housing ombudsman to keep the sector in
check.”
www.thenoticeboard.org,au/ombudsmanretirees

12
NATIONAL GREYPOWER MAGAZINE » SEPTEMBER 2016
Petition to legalise the medical use of marijuana
A petition to legalise
the medical use of
marijuana by a Grey Power
association does not have
the support of the Grey
Power Federation.
National president Tom
O’Connor said there was a
growing trend for activists and
single issue groups to attempt to use
the Grey Power brand to promote
their causes.
“We get all sorts of weird and wonderful
ideas popping up from time to time
but we are very careful about who and
what we support nationally.”
Tom said he was aware of the growing
campaign to legalise marijuana for medical
purposes but the issue was well outside
the knowledge of federation members.
“We don’t have a formal policy on
the legalisation of marijuana and we are
probably unlikely to anytime soon. The
reality is that we don’t know enough
about the substance.”
Tom said formal policy for the Grey
Power Federation was set at the annual
general meeting by remits from member
associations.
“Most of our member association
delegates have a very good idea of what
actually comprises the real business of
Grey Power and any remit to change the
marijuana laws would have little chance
of being accepted.”
The decision to legalise the medical
use of marijuana was a matter for the
medical profession and government and
it was not presently a matter of any importance
to the Grey Power Federation,
he said.
“Our member associations have a high
degree of autonomy and they can get involved
in almost anything they like but
matters of national policy are carefully
considered and debated at length before
decisions are made,” he said.
Mr O’Connor said some medical products
derived from marijuana were already
regularly prescribed by New Zealand GPs.
“The issue from people who want them
is availability and Government subsidies,
not legality. The issue for the Government
is the potential for mis-use if people are
ever allowed to grow their own,” he said.
Help Hospice…join the Garden Ramble
A unique opportunity to view
the expansive country gardens
in the Ramarama, Ararimu,
Paparimu and Bombay Hills
area is on offer again this year.
The Barfoot & Thompson Franklin
Hospice Garden Ramble will be
held in November on Saturday 12
and Sunday 13 from 10am to 4pm
each day.
Please mark your calendar now so
you don’t miss out on this wonderful
garden extravaganza.
Tickets are available on line now from
epsys@paradise.net.nz
50022
MOBILITY SCOOTERS MANUKAU
We service Auckland, Papakura, Pukekohe, Waiuku.
SCOOTERS POWER CHAIRS WHEELCHAIRS WALKERS
We sell new and used machines.
We can provide finance to approved buyers.
Repairs and service to most makes and models.
www.mobilityscootersmanukau.co.nz
or phone Graeme on
0800 433 133
IT’S OUR BUSINESS TO KEEP YOU MOBILE
Bus tours are planned and $70 includes
a ramble ticket, seat on the bus
and a packed lunch.
Group discounts are available for garden
clubs and other large groups.
Barfoot & Thompson is the platinum
sponsor for the ramble.
Through your support in 2014
Franklin Hospice has been able to raise
$45,000 to provide a 24/7 phone service
for carers of terminally ill patients in the
Franklin area.
The phone service has been welcomed
and its use has increased by more
than 150 percent in this very short time
space.
This is the third event with gardens
located in Ramarama, Paparimu, Ararimu
and the Bombay Hills areas of
Franklin district.
Again there is a huge variety of gardens
- many hidden away from public
viewing until this special weekend.
In addition to the Garden Ramble a
Christmas market will be held on Saturday,
November 12 at the Ramarama
School Hall in Ararimu Road with gifts
for earlybird Christmas shopping.
Franklin Hospice invites you to make
a weekend of it.
Take a peek at some of these hidden
Grey Power support
Grey Power has come out in support
of local authorities opposed
to the proposed Local Government
Act 2002 Amendment Bill.
Delegates to the recent Local Government
New Zealand Conference in Dunedin
sounded a warning about what they
believe is a covert push for the amalgamation
of councils into bigger units.
In particular the bill proposes to set
up an independent authority to investigations
local government re-structuring
without community consultation.
Grey Power national president Tom
O’Connor said the dilution of democracy
throughout the local government
spectrum was a very serious matter for
the whole of the country but particularly
for senior people on fixed incomes.
“There seems to be a move to centralise
all executive authority in Wellington
which most people seem not
to be aware of. The new national fire
and emergency service will take away
local governance. In Canterbury the
people have lost the right to elect their
own regional council since 2010 and in
Auckland they got a super city which no
one really wanted. In both those cases
rates have gone up, not down and the
garden gems, share lunch with friends
at our refreshment stops along the way
and on Saturday call into our Christmas
market for a bit of pre-Christmas shopping.
Pre-ordered packed lunches can be
available both days for those travelling
in groups.
Place your order (including vegetarian
options) when you purchase your tickets.
Tickets are on sale now at Simply Giving,
King Street, Pukekohe.
provision of essential services has not
improved.”
Tom said his organisation had long
been seeking ways to make local body
rates more affordable for senior people
but forced amalgamations and undemocratic
intrusions in local matters by
Central Government were probably not
the best options.
“Bigger is not necessarily better as
the costs generally go up and the loss of
local democracy will only result in further
apathy at local body elections.”
He said one of the issues which had
troubled Grey Power for some time was
the power of general competence which
gave local authorities the ability to undertake
almost anything legal. “We
want them to stick to the provision of
basic facilities and leave the high risk
ventures to private enterprise.”
There were ways of improving the efficiency
of local bodies and one of them
might be to put a curb on the tasks they
are given by central government which
come without the money to carry them
out, he said
“Amalgamations are for ratepayers
to decide and should not be imposed by
Central Government.”

NATIONAL GREYPOWER MAGAZINE » SEPTEMBER 2016 13

14
NATIONAL GREYPOWER MAGAZINE » SEPTEMBER 2016
Advertorial
How to stay healthy with Health House
Health House was
founded by David Coory,
author of New Zealand’s
top-selling health book
“Stay Healthy – by
supplying what’s lacking
in your diet.” Health
House has been supplying
quality natural health
products and health
books for nearly 30 years.
David’s journey started in 1982
when he was 35 years old and
his 66-year-old father had a
serious heart attack. While his dad
survived (he lived to be 96) it was
a health wake up call for David and
sparked his lifetime interest in
natural health.
He researched natural health topics
passionately over the next five years
and experimented with improving his
own health.
In 1988 he wrote and published a
do-it-yourself book on practical nutrition
called “NZ Nutrition and Your
Health”. This book instantly sold well,
as it was timely and easy to follow.
Ideas and suggestions flowed in from
readers and the next edition was republished
as “Stay Healthy - by supplying
what’s lacking in your diet”.
The Stay Healthy book is constantly
updated and sales have now exceeded
88,000 copies and became the catalyst
for the development of more Health
House products.
In 2002 David read the renowned
book “Cancer: Cause and Cure” by
97-year-old Australian farmer Percy
Weston and immediately identified
with the importance of his findings regarding
common health disorders and
depleted soil minerals.
David believes we could empty half
our hospitals if we provided correct
nutrition to our entire nation. While a
good diet is important to overall health
there are no guarantees that you can
obtain all the minerals you need from
food alone. The level of trace minerals
in our soils has reduced and our foods
are not as nutritious as they were in
the past.
Whenever someone expresses doubt
that we need to supplement our diet
with minerals, he suggests they ask any
farmer whether they could farm properly
without providing supplementary
minerals to their stock.
Readers of the Stay Healthy book
and David himself were keen to source
the minerals and vitamins required for
optimum health. As David could not
find an effective ‘multi’ that included
all the missing minerals and vitamins,
“CAA – Multi” was developed. This formula
inspired by Percy Weston’s book
and based on David’s years of research
includes all the minerals lacking in our
New Zealand soils. It also contains the
full range of vitamins, including B12
and Vitamin D3, bioflavonoids and antioxidants
and also New Zealand sea
kelp for numerous trace minerals (including
iodine) from the sea. All ingredients
are the finest and most absorbable
available.
“CAA – Multi” is Health House’s top
selling product and relied on daily by
thousands of New Zealanders to maintain
their good health.
In 2009 Health House bought the
factory that was manufacturing their
products. This was to ensure the highest
standard, best quality ingredients
and top processes could be maintained
and improved. At the same time Mike
Coory, David’s eldest son came on
board to manage the business.
The success of this led to a new
purpose built, modern facility being
constructed in 2014 in Tauranga and
allowed the manufacturing, sales, dispatch
and retail to be set up on the one
site. Customers visiting the retail store
at 1 Whakakake Street, Tauriko Business
Estate can see the products being
manufactured on site as they walk in.
All products are made in temperature,
humidity and pressure controlled
cleanrooms. The modern facility and
the strict attention to quality, ensure
the integrity and efficacy of the product
is maintained from start to finish.
All systems and processes operate to
either HACCP standards which are annually
certified by the Ministry of Primary
Industries or audited Cosmetic
GMP standards.
Health House’s commitment is to
only produce “Quality Natural Health
Products that work”.
You will find an advertisement
for the new 10th edition of the Stay
Healthy Book and another of Health
House’s top products, the unique ‘capsule
in a capsule’ Probiotic Multi 9 in
this edition of the Grey Power Magazine.
You can also buy online at their
website www.healthhouse.co.nz or by
free phoning their friendly knowledgeable
team on 0800 140 141.
All products are delivered free in NZ
and have a 60 day money back guarantee.
Downsizing gardeners don’t need to miss out
on health benefits
A recent study reaffirms that gardening
benefits both mental and
physical health, reduces stress levels,
increases relaxation and improves
overall fitness.
A 2016 report, Gardens and Health*,
found that the mental health benefits
of gardening are broad and diverse,
and have shown significant reductions
in depression and anxiety, improved
social functioning and wider effects,
including opportunities for vocational
development.
This concurs with other studies and
researchers from University College
London (2013) discovered that seniors,
who did moderate physical activity
such as gardening, at least once a week,
were two-and-a-half times less likely to
develop long-term illnesses.
With Auckland’s Unitary Plan the
current talk of the town, many empty
nesters are downsizing earlier than
they may have, to take advantage of a
booming housing market.
This doesn’t have to mean sacrificing
the pleasure and health benefits of
gardening.
One of New Zealand’s most established
seed companies, Kings Seeds,
has always had a range of seeds available
through their website and catalogue
to cater for gardening spaces of
any size, including smaller zones such
as patios or balconies.
Barbara Martin, owner of Kings
Seeds said: “We want to encourage everyone
to continue gardening, regardless
of age, stage and available planting
space.
“We’ve kept our ordering process as
flexible as possible to let people select
exactly what they want and need for
their garden.
“Gardening can still be achievable,
fun and successful, no matter what the
Gardening is beneficial to all, regardless of your stage or age.
size of your garden or where you fit into
the revised Unitary Plan, if you happen
to be in Auckland.”
For a limited time, Kings Seeds have
a first-in-first-served special Pick Your
Own offer: The first 100 people to order
any Kings Seeds products to the value
of $37.50 will get their selection for the
great price of only $30 (plus handling).
Simply email your details to accounts@
kingsseeds.co.nz with Kings Seeds Pick
Your Own 100 in the subject line.

NATIONAL GREYPOWER MAGAZINE » SEPTEMBER 2016
How real food
can heal almost
any health issue
New Zealand’s top selling health
book will show you the way.
$25
15
This book “Stay Healthy by supplying
what’s lacking in your diet” by
passionate New Zealand nutritionist
researcher David Coory, is NZ’s most
popular health book of all time – over
88,000 copies have been bought. It’s
lively, readable and easy to understand.
The book shows you how to prevent or
heal just about any diet-related health
problem – cardiovascular disorders, joint
pains, low energy, libido, prostate or
erectile problems, sleep issues etc.
It’s an invaluable health reference book
for your home – it shows you how to
greatly improve your health by making
small but critical changes to your diet.
You’ll find that when you supply your
body with the right amount of the
minerals lacking in our NZ soils and
food, you begin to enjoy a clearer mind,
sharper memory and regular heartbeat.
Also clearer arteries, pain-free joints
and child-like energy. Men’s prostate
and erectile problems improve, women’s
hormones stabilise, you experience a
more worry-free outlook on life and more
refreshing all-night sleep. Readers testify
to all these benefits.
Important health-giving minerals
lacking in NZ soils
Health minerals such as selenium,
magnesium, boron, copper and zinc are
lacking in NZ soils. This, combined with
unripe picking and processing is the
main reason there’s so much poor health
among us. Dr. Linus Pauling, Nobel Prize
Winner said, “You can trace almost every
sickness, almost every disease to a mineral
deficiency.”
This book works because it allows you
to identify the minerals (and sometimes
vitamins or fats) you’re not getting
enough of in your diet – there’s always
some. It then guides you to the foods to
eat (or supplements to take if necessary)
to give your body the needed amounts of
these nutrients.
“ Best book I have ever
read bar-none! I have now
lost 15 kilos and working
on the next 10 with help
from information derived
from this book.”
Denis, Featherston
You’ll be surprised how many miserycausing
and embarrassing health
problems you can cure or prevent, by
small but important additions to your
diet, especially minerals. There’s no need
to take drugs year after year to suppress
disease symptoms – just give your body
the minerals it needs and let it cure the
problem naturally.
How to use the book – it’s easy
You begin using the book by looking up
your health problem in the index at the
back of the book. Alongside the health
problem you’ll see listed the mineral, or
perhaps vitamin or fat, you’re not getting
enough of in your diet.
For example, let’s assume you’re a man
and have a problem with slow urination
due to prostate enlargement. So you look
up ‘prostate enlargement’ in the index.
This reveals the problem to be the lack
of three minerals. One of the three is
selenium (NZ has one of the lowest levels
of selenium in the world). So you turn to
the section in the book on selenium.
First of all you’ll read some interesting
facts about selenium. Then you’ll see the
list of symptoms of too little selenium in
your diet. Selenium has a long list, as do
other important minerals like magnesium
and zinc, which are lacking in most crop
fertilisers. (There’s also a short list of
problems caused by too much selenium.)
Then comes a simple food chart – this lists
daily servings of NZ foods with useful
amounts of selenium that provide 10%
or more of your daily need. At the head
of the food chart is shown the amount
of the selenium you need each day for
optimum health – in this case it is 70 mcg
(micrograms) for men, 60 mcg for women
and 35 mcg for a child. (These amounts
are known as the RDI, which stands for
Recommended Daily Intake.)
Now run your eye down the food chart
and look for food servings you would
normally eat in a typical day – for
example, two eggs will give you 15 mcg of
selenium, 4 slices of North Island white
bread 10 mcg, etc. Next, total up the mcgs
of selenium from the listed foods you
normally eat and compare it with the RDI
at the head of the chart. You’ll probably
find you’re getting about 35 mcg – only
half the RDI requirement you need for
full health.
Now look again down the food chart for
rich sources of selenium – you’ll see that
Brazil nuts are a rich source – 650 mcg for
a third of a cup. So all you need do is eat
a handful of Brazil nuts a week to make
up your selenium deficiency. Selenium
deficiency solved – it’s that simple.
Now do the same for the other two
minerals listed as lacking in the index,
then wait patiently for your body to
begin its healing.
OVER
88,000
COPIES
SOLD
There are sections and food charts
throughout the book, similar to the one
on selenium – for each mineral and
vitamin you need.
Three month cure for arthritis
The book also has an interesting three
month cure for arthritis, by a well known
vet, turned doctor – Dr Joel Walech. His
cure is based on providing your body
with the full range of trace minerals it
requires, plus gelatine to rebuild bone
and cartilage. Dr Walech claims that both
osteo and rheumatoid arthritis respond in
just three months. Reports from readers
have been excellent.
Protect yourself from a heart
attack or stroke
This latest 10th edition of the book
also has a chapter on ‘Avoiding a heart
attack or stroke’ – the latest findings on
how to protect or heal yourself from
cardiovascular disease. It contains
so much newly discovered health
information, you’ll have to forget half
what you’ve been told the past 20 years.
You’re shown the devastating role of too
much sugar, the danger of heat-damaged
vegetable fats, and why saturated fat is
not harmful as once thought. And why,
when aged over 65, higher cholesterol
levels can extend your life and protect
against brain deterioration. Also how to
lower high blood pressure naturally and
avoid blood clots by obtaining natural
vitamin E from your food.
Avoid the need to take beta-blockers,
blood thinners and other debilitating
drugs year after year.
Avoiding Alzheimers and
short-term memory problems
Another new chapter in the book is
on ‘Avoiding Alzheimers’. Learn why
developed countries like ours have a 50%
rate of Alzheimers over the age 85, and
some other countries only about 6%. The
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lacking in your diet.” Enclosed is my cheque for $25 single copy, or $20 each for two or
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little known nutritional reasons may
surprise you.
Lower your cancer risk
Another important new chapter is on
‘Avoiding cancer’. Learn why NZ has gone
from a 3% death rate three generations
ago, to 30% nowadays. The causes are
clear when you have the facts. The
information in this chapter on good
nutrition and avoiding acidity is critical
for us all.
Cancer is far easier avoided than cured.
For example, by simply getting the
recommended daily intake (RDI) of folate,
which is seriously lacking in most of our
NZ diets, you lower your risk of bowel
cancer a massive 75%. Men also lower
their risk of prostate cancer 66% with
the full RDI of selenium, and sufficient
vitamin D from the sun can lower your
risk of most cancers up to 60%.
Lose 3 kg of fat in just one week
As a bonus, the book gives you a failproof
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It may sound unbelievable but in just 7
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It works every time and you can eat
any type of food you like. It requires
discipline, but it’s healthy and simple.
The method was developed by the
nutritionist researcher of this book, 70
year old David Coory after trying one
disagreeable method after another to
lose weight. David has now maintained a
consistent healthy weight for years. Use
the method monthly until you you’ve
dropped to your ideal weight. If it creeps
up again by 3 kgs, use the method for a
week and you’re slim again.
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TAPS PP8496

16
NATIONAL GREYPOWER MAGAZINE » SEPTEMBER 2016
A Healthy outside starts
from the Inside.
100% DAIRY FREE | 100% NATURAL | 100% NZ | 100% GLUTEN FREE
I.B.S (IRRITABLE BOWEL SYNDROME), CANDIDIA (THRUSH),
CROHN’S, BLOATING, LOW ENERGY, REFLUX, DIVERTICULITIS, LOW
MOOD, DIARRHOEA, CONSTIPATION, INDIGESTION and much more...
Hippocrates said more than 2400
years ago that.....
“All disease begins in the gut” but
we are only now coming to understand just
how right he was.
We marvel at the processing ability of the
human brain and the heart amazes us with
its continued pumping marathon. We fuss
over our hair and nails. However we take
the “gut” for granted. Yet the faithful “gut”
is where our wellness begins and often holds
the key to good health. The “gut” (digestive
system) is a pathway starting at the mouth
and ending at the anus. It is responsible for
extracting the nutrients needed and eliminating
the wastes and toxins. It is the motor
to our body and we have a lot to thank our
digestive system for.
• BALANCE – CONSTIPATION AND
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Research over the past years has revealed
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More than 80% of our immunity to sickness
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2 pots (4 months supply/120 capsules) $69.00
1 pot (2 month supply/60 capsules) $40.95
Courier/Freight $6.00
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on your first order
Enclosed is my cheque for $________________
or please charge my credit card:
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Kirker Health
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Invercargill
FreepHoNe:
0800 99 88 88
The Yoghurt
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TAPS CH4321
‘Money Chatter’
Talking money is not
as easy as it sounds
From Tony Walker, co-owner of ImPower Limited, a truly
independent fee-based financial advisory practice. Tony
is an Authorised Financial Adviser and Certified Financial
Planner (CFPCM) and his disclosure statement is available
free of charge on request at info@impower.nz.
Over the years of being together,
couples have been able to steer
their way through the myriad of
life’s experiences, sometimes with
communication regarding their personal
finances or future money planning
being left to another (later!)
time.
Let’s face it, money is a difficult subject
to talk about at any age or stage. It means
different things to different people. Studies
have shown that having conversations
about money is one of the leading causes of
disharmony and disagreement in couples
so not surprisingly it becomes a subject
easily put off until you absolutely have to.
We’re all wired differently when it comes
to money. Each of us have been influenced,
in part, by how our parents conducted their
financial arrangements as we were growing
up and by the habits and reactions of partners
and maybe even friends.
Several years ago, I presented a seminar
on life planning to a group of medical professionals.
I challenged the group to think
whether they had good ‘money communication’
with their partners. At the end of the
presentation, one of the partners came up
to me and said:
‘You’re absolutely right. I have been trying
to get my partner to take some time to
consider these important issues – but he’s
always too busy. I am worried that time is
marching on and we are not as well prepared
as we should be.’ (they were both in
their mid-sixties)
Our experience suggests that this is a
common situation – but the problem which
faces people in this situation is – how do we
‘break the cycle’? Some people just prefer
to act like an ostrich by putting their head
in the sand, hoping the threat will go away.
It seldom does!
As financial advisers, we never thought
that part of our role would be to facilitate
couples by helping to open the lines of
communication. We have found that for
any financial advice to be successful, clients
need to be on the right wavelength – not
just with us – but with each other. We have
lost count of the number of clients we have
worked with where we have first had to get
them to talk (meaningfully) with each other
regarding their finances.
We have found that sometimes it’s one
partner that takes on the ‘financial lead’
which works fine as long as the other partner
is happy with that arrangement & is
kept in the loop. A study several years ago
in the US found that just 28 percent of couples
were ‘completely confident’ that either
spouse could steer the financial ship into
retirement.
Unfortunately, we have found that lack
of communication can be a matter of real
concern especially relating to retirement if
both aren’t on the same page. Expectations
of how and what retirement looks like is
very individual. This can be from the timing
of retirement to what they’re going to do in
retirement. One partner might be happier
to spend more lavishly during retirement
when the other has a more conservative
approach. Neither is right or wrong – they
are just different and need to be discussed
before resentment creeps in.
Also a big concern is that we’re living
longer so those in retirement, or heading
into retirement, are facing the dilemma
that we don’t outlive our financial resources.
We’re lucky that we have NZ Super as
a base line for our over 65s but what’s the
guarantee that it will be there in its current
form into the future. The Commission for
Financial Capability recently announced
that if the tax rates remain the same, from
the mid 2020s the Government will not
have sufficient revenue coming in to meet
its expenses. That’s a scary thought for a
lot of the baby boomers coming into retirement.
That makes it even more important
that we can talk to each other about money
and what the future holds before it’s too
late to do anything about it.
But it’s not just in retirement that communication
can be a problem. By this stage
of a relationship, old habits have become
entrenched. Earlier in a relationship, it is
important to have good money communication
but how do you do this?
Some people manage okay by themselves
but some people need help. In days
gone by, you could get help from your
friendly local bank manager. You are much
less likely to find this a good source of advice
today. We believe this facilitation is
now filled by skilled financial advisers so
encourage you to get in touch sooner rather
than later to reap the rewards open and
honest money communication provides
both now and in the future.
Please take up ImPower’s monthly Quiz
challenge found at www.impower.nz. All
correct entries go into the draw to win a
fantastic gift basket valued at more than
$100.
This article is of a general nature and is
not personalised financial advice.
A tribute to all the
grandparents who
have learned to use
the computer
The computer swallowed Grandma
Yes, honestly it’s true
She pressed control and enter
And disappeared from view
It devoured her completely
The thought just makes me squirm
She must have caught a virus
Or been eaten by a worm
I’ve searched through the recycle bin
And files of every kind
I’ve even used the Internet
But nothing did I find
In desperation I asked Google
My searches to refine
The reply from there was negative
Not a thing was found online
So if inside your inbox
My Grandma you should see
Please Copy Scan and Paste her
And send her back to me

NATIONAL GREYPOWER MAGAZINE » SEPTEMBER 2016 17
Be a STAR and walk
for Breast Cancer
Pink Star Walkers are
getting ready to line the
streets pink for breast
cancer at the 2016 NZ
Breast Cancer Foundation
Pink Star Walks in
Auckland, Wellington and
Christchurch.
Registrations are now open for
the events at www.pinkstarwalk.co.nz,
which take place
during October (and into November)
as part of Breast Cancer Awareness
month, and are kindly sponsored by
Estee Lauder Companies.
The annual NZ Breast Cancer Foundation
(NZBCF) fundraiser is a non-competitive
fun walk, with no training required
before participating - just a willingness to
join a group of boisterous women, men
and children in support of those affected
by breast cancer. The walks are held in
the twilight hours, providing a unique experience.
There is a party atmosphere at
the finish line with entertainment provided;
walkers are encouraged to celebrate
and have a fun evening out together.
The NZBCF Pink Star Walks are held in
New Zealand’s major cities, and open to
all ages. The walking courses are a mix of
5km, 10km or a half marathon (21km) option,
depending on location. The course
must be walked, not run; with walkers
encouraged to dress in pink, with many
groups coordinating their costumes as a
team and registering to fundraise.
Registration is easy through the dedicated
event website www.pinkstarwalk.
co.nz. The registration fee covers the
costs of holding the event only, with
walkers encouraged to set up fundraising
pages so friends and family can sponsor
their efforts. Funds are raised through a
combination of entry fees, personal sponsorships
and donations.
Stacey Morrison, NZBCF Ambassador
and radio host from The Hits, along with
her co-host Flynny, will MC the events in
all three locations, cheering on walkers
and handing out medals at the finish lines
to those completing the 21km distance options
in Auckland and Christchurch. “I’ve
been involved with the Pink Star Walks
for many years and always enjoy seeing
everyone getting together and making an
effort with their costumes. What better
way to show your support of those affected
by breast cancer than by getting out
there and walking the walk and talking
the talk!” says Stacey Morrison, who lost
her mother to breast cancer at a young
age. Keeping fit and active is important to
Stacey, who loves that the Pink Star Walk
is an event which is accessible to everyone
no matter what their age or fitness level.
The Pink Star Walk includes a prewalk
warm-up by instructors from Jett’s
Fitness; walkers follow the route marked
by pink balloons, and rehydrate via water
stations available around the course,
manned by volunteers who are there to
support and encourage participants.
At the conclusion of the walk there is
a festive atmosphere with music and entertainment
provided by The Ladykillers
(Auckland) featuring NZBCF ambassador
Jackie Clarke, and Retro Divas (Wellington),
and prizes awarded to best dressed
individuals and teams, as well as spot
prizes.
“Our Pink Star Walks are a great way
to show your support for friends, family
or colleagues affected by breast cancer,”
says Evangelia Henderson, chief executive
at the NZ Breast Cancer Foundation.
“The money raised by the three events
will help fund support programmes for
women with breast cancer including
counselling, rehabilitation programmes
and funds education for early detection
of breast cancer. Each year more than
3000 women are diagnosed with breast
cancer, with approximately half detected
through mammograms, where a tumour
can be found when it is as small as 2mm.
A tumour is generally 10 times the size
(20mm) before it can be detected by
touch, so it’s important that women know
they need to be screened from the age of
40 and well into their 70s,” says Mrs Henderson.
NZBCF Pink Star Walks are
held in three locations:
Auckland
History of Pink Star Walk
The Pink Star Walk has been a major
fixture on New Zealand’s event calendar
since it first began in Auckland in
2006. The event was held in Wellington
and Christchurch for the first time in
2015. Major sponsor Estee Lauder and
media partner The Hits radio station
have supported the NZ Breast Cancer
Foundation’s aim to provide a unique
mass-participation walking event designed
for breast cancer survivors and
supporters. Held in the twilight hours,
Denis & Ruth Ryan
86b Ngataringa Road
Devonport Auckland 0624
New Zealand
Denis & Ruth Ryan
86b Ngataringa Road
Devonport Auckland 0624
New Zealand
Denis & Ruth Ryan
86b Ngataringa Road
Devonport Auckland 0624
New Zealand
Denis & Ruth Ryan
86b Ngataringa Road
Devonport Auckland 0624
New Zealand
Denis & Ruth Ryan
86b Ngataringa Road
Devonport Auckland 0624
New Zealand
Denis & Ruth Ryan
86b Ngataringa Road
Devonport Auckland 0624
New Zealand
Denis & Ruth Ryan
86b Ngataringa Road
Devonport Auckland 0624
New Zealand
the emphasis is not on competing for
first place, rather to walk at your own
pace, get a group of friends and family
together, and enjoy the camaraderie of
others who join in a common cause.
Last year’s Pink Star Walks attracted
more than 4200 registered walkers and
raised $500,000. This year the goal
is to attract 5500 walkers, and raise a
total of $600,000 towards the breast
cancer cause.
Walkers can register for the events at
www.pinkstarwalk.co.nz
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Route: The Auckland Domain and Waterfront (21km only)
Saturday, October 8
4pm for 21km walk (ages 16+ only)
6.45pm for 5km walk
Christchurch
Route: starts at North Hagley Park (route TBC)
Saturday, October 29
4pm for 21km walk (ages 16+ only)
6.30pm for 5km walk
Wellington
Route: starts at Frank Kitts Park and along Wellington Waterfront
Saturday, November 12
6:30pm for 10km walk
7:15pm for 5km walk
Denis & Ruth Ryan
86b Ngataringa Road
Devonport Auckland 0624
New Zealand
Denis & Ruth Ryan
86b Ngataringa Road
Devonport Auckland 0624
New Zealand
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86b Ngataringa Road
Devonport Auckland 0624
New Zealand
Denis & Ruth Ryan
86b Ngataringa Road
Devonport Auckland 0624
New Zealand
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86b Ngataringa Road
Devonport Auckland 0624
New Zealand
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86b Ngataringa Road
Devonport Auckland 0624
New Zealand
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Devonport Auckland 0624
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New Zealand
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18
NATIONAL GREYPOWER MAGAZINE » SEPTEMBER 2016
The Big Move – this is about downsizing
When it comes to change
for some of us it’s no
hassle, for others it’s a
nightmare!
The comfort and routine of a
familiar environment is paramount
to enjoyment, some
like the lifestyle they have had over
many years in the same residence,
and others are able to move, to
change with no problems.
Inevitably change happens in all our
lives sooner or later, depends upon our
circumstances, health etc. It happens
all through our life, from birth and onwards,
in buying your first home and everything
else in between. You are now
faced with the big move – you are downsizing.
The move from the family home
into a smaller more comfortable and
manageable home be it a small house a
townhouse or retirement village.
After endless hours of research and
inspecting properties you find the one.
You can see yourself living there, this is
it!
Now the big move begins to come
home with all its doubts and troubles
and worries and it seems never ending.
There is so much to be done. Where to
start? The desire to resist change flows
in and you contemplate staying where
you are with what you know.
It’s easy to become overwhelmed because
you can’t imagine how you are going
to get everything done, and there is
the burning question: “Who is going to
do it?”
Depending on your circumstances
and the situation with your family and
your finances also if you are single or
have a partner, does not mean you have
to do it alone, nor do you have to take on
every task.
After all, you have been able to find
solutions to problems before, right?
Now is no different. The 21st century
solution for when you need to downsize
is that you get a professional organiser.
Professional organisers are not just
for people who are disorganised. The
services are designed for people who
either cannot do it themselves or don’t
have enough time to do it or the physical
ability to handle all the problems. Many
services are outsourced these days so it
is quite acceptable to get a professional
organiser to help with moving into a
new home.
To help with the enormous task of
downsizing here are a few tips:
Break it down into smaller manageable
projects.
Rather than focusing on the whole
downsizing process, break it down into
mini projects. You’ll feel less overwhelmed
by tackling a small piece at a
time.
Allocate regular amounts of time.
Schedule regular amounts of time
into your day, chipping away a bit at a
time is more sustainable than attempting
to do it all in one big chunk.
Be realistic.
Not only will your space decrease
but your lifestyle will change too. Keep
only what you need, you love and you
will use. If you only have two metres of
wardrobe hanging space, you can only
hang two metres worth of clothing.
Keep your favourites, not the entire collection.
Pick out and select only your favourite
or most prized possessions, not the
whole collection.
Contact your solicitor.
Get advice from your solicitor, to
check the new property as well as facing
the stress of selling your own property.
Set a time frame.
Allow yourself adequate time to
downsize – don’t expect everything to
be achieved in a month, this won’t happen,
be sensible and allow a suitable
time frame.
Call in the professionals.
Arrange to sell excess furniture or
give it away. Contact a real estate firm
to discuss the sale. They tell you what
is required to present your home in the
best condition to achieve the maximum
sale price. Also remember the following:
• Redirect mail
• Arrange final power reading and notify
the company of the move
• Advise phone and broadband provider
change of address
• Advise insurance company
• Local council for the property rates
(refund?)
Feel safe in any situation with a Safe-Life pendant
Using cellular network technology
allows Safe-Life pendant users
make that vital call, with the press
just one button, should an emergency
occur.
Working anywhere in New Zealand
where 3G cellular coverage is available,
it not only alerts up to three different
personal contacts or monitoring
stations by SMS that there is an emergency,
but also allows location finding
of the user’s whereabouts using Google
Maps along with voice-to-voice communication.
Smart Caller managing director,
Jamie Reid explains: “The technology
used in the Safe-Life pendant can be
used to remotely monitor a person’s
welfare, enabling the correct type of assistance
to be delivered in a duress situation,
in a timely manner to a known
location, at a low cost.”
Unlike traditional Nurse Call technology,
the Smart Caller Safe-Life pendant
is not limited geographically as
it does not require a landline or base
station to communicate an emergency.
Working off a user’s own SIM card on
Spark or Vodafone 3G Cellular network,
it can operate in the home, in a warehouse,
at a shopping mall or even in a
farmer’s field.
It is weather-proof, lightweight and
easily worn or carried with the included
lanyard. “Providing greater independence
for the elderly is what the pedant
was designed for,” says Jamie. “We
find that the elderly have been afraid
to leave the security of their houses as
traditional technology kept them within
a range of roughly 50 meters of a base
station should they ever need help.
“Our Safe-Life pendant offers true
independence, giving the users freedom
Safe-Life Pendant
The Smart Caller ‘Safe-Life Pendant’
is a ‘Go Anywhere’ personal emergency alarm
that helps provide, safety, independence and
security. Working off the 3G Cellular network,
it works in the home, a business, at the
shopping mall, in a field or even a forest.
Wherever there is 3G coverage, the Safe-Link
Pendant can put you in contact with someone
to help you, or locate you in an emergency.
Emergency SOS NZ Wide Location Finding Fall Detection
SMART CALLER NZ
Nurse Call & Healthcare Communication Solutions
ONLY
$399
plus GST
Requires SIM card to
work. Not supplied
Safe-life
Assistive Emergency Products For Everyone
by Smart-Caller
Freephone: 0800 762 782 support@smartcaller.co.nz www.smartcaller.co.nz
to go out and explore with the knowledge
that they have the security and
safety of the pendant with them, and
carers know they can be located easily if
there are any issues.”
Utilising GPS/GPRS/GSM technology,
the Safe-Life pendant has location
finding features which can be invaluable
for those who tend to wander. At
any time, the Safe-Life pendant can be
located by the emergency contacts, so if
a user has gone missing, their exact location
can be found within seconds.
Similarly, it also uses the GPS/
GPRS/GSM functionality for Geo Fencing.
When the Geo Fencing feature is
activated, the pendant creates an invisible
fence around the predetermined
area.
Should the Safe-Life pendant detect
it has moved into or out of a Geo Fenced
area, it will alert the emergency contacts.
This is invaluable technology for
people who struggle with relatives suffering
from dementia or employers who
want to contain or exclude employees or
contractors from certain areas.
“We have all seen stories in the media
of elderly or infirm people wandering
away from home and it taking days
to find them. With our pendants, you
will never see these stories again as users
can be identified and located immediately,”
Jamie says.
The Safe-Life pendant technology
also integrates accelerometers that can
detect a user having a fall. Fall detection
plays a crucial role in saving the
lives of the elderly, with 1 in 3 over the
age of 65 having a significant fall annually.
The fact that falls often lead to
the loss of consciousness and users may
not be able to manually press the SOS
button, the Safe-Life pendant has been
designed to react automatically alerting
emergency contacts that it has sensed
a fall. Being waterproof, the Safe-Life
pendant can serve its purpose in bathrooms
where most elderly fall accidents
occur.
Irrespective of the application…a farmer
working in the field…a lone worker in a
warehouse… a contractor on a worksite…
or an aged resident having absconded
from a rest home, this low cost, palm-sized
personal alarm and location finding device
is set to revolutionise the Aged Care and
Health & Safety industries.
“We have already sold multiple units
to emergency services. They immediately
saw the advantages of being able
to track the wearers in high risk situations,
and also have the wearers able to
contact their commanders if they are in
trouble,” says Jamie.
Primarily directed at the Aged Care
industry, Smart Caller sees this product
transcending across industries Jamie
explains: “We have a new and assistive
technology that can reach out to
almost any part of the main population
centres of New Zealand at a cost of less
than $400+gst per unit with no ongoing
costs other than topping up the SIM
card. The added Health & Safety value
to Rest Homes and carers in being able
to improve independence, provide security
and save lives is immeasurable.”

NATIONAL GREYPOWER MAGAZINE » SEPTEMBER 2016 19
PROBIOTIC
MULTI 9
DO YOU WANT TO MAXIMISE THE
NUTRIENTS FROM YOUR FOOD? BY DAVID COORY
There’s a medical revolution going on – researchers are rethinking their old ideas on how our food
is digested, how our immune system works, why we get sick and the rise in food intolerance.
This revolution is to do with the role of the
live bacteria that live in our intestines (or
gut) called probiotics.
Health begins in the bowel
Probiotic bacteria are first colonised in
our intestines when we’re born. These
essential probiotics live in our gut, ideally
for the rest of our lives. We have trillions
(about 1kg) of friendly digestive probiotics
living in our small intestine.
Essential for optimum health
Probiotics are absolutely essential, their
main role is the pre-digestion of food and
the absorption of nutrients.
Foods like vegetables, bread and meat
must be converted into a liquid by being
pre-digested by our probiotics before
being absorbed, which can take hours.
However, sugar and salt dissolve naturally
in water and don’t need probiotics. Once
dissolved they pass through our intestinal
walls within minutes and into the blood
stream.
Different strains of probiotics
Different foods require different strains
of bacteria to pre-digest them. If any of
these strains are missing, that type of food
does not get converted to a liquid. It then
passes through and out of our bowels
leaving us under-nourished.
We can also get allergic reactions like
bloating and bowel discomfort from these
undigested nutrients as they pass.
Retaining weight can occur because the
sugar and salt is still being fully absorbed
but the vital nutrients in our food are not.
On-going health problems
Although we may be eating a good diet, if
we lack some strains of probiotics, we may
be missing out on most of the vitamins,
minerals, proteins and fats contained in
specific foods.
Common symptoms of a lack of one or
more strains of probiotics are – low energy,
food allergies (especially with wheat, dairy,
eggs and nuts), bowel discomfort, irregular
bowel motions, bloating and wind.
Antibiotics and probiotics
Antibiotics can have devastating effects
on our probiotic bacteria – they can totally
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kill off important strains. Antibiotics are
designed to kill all bacteria, both good
and bad, they don’t discriminate.
Antibiotics can be effective drugs for
killing harmful bacteria, but they can’t
help but kill the essential food-digesting
probiotics in our gut.
It’s like spraying an entire vegetable
garden with weed killer just to destroy a
single weed growing in the centre.
This has a profound effect on our health,
vigour and our immune system.
Role of our appendix
Strains of probiotics destroyed by
antibiotics can eventually be recolonised
from our body’s storehouse of probiotics
– the appendix (if not removed).
But, in the meantime it is common for
bad forms of aggressive bacteria like
candida to move in and dominate our
healthy balance.
Replacing missing strains
We can try to replace the hardy strains
of probiotics like acidophilus by eating
fermented foods such as yoghurt.
However, our stomach acid typically
kills 100% of most strains of bacteria.
Its purpose is to kill bacteria before it
reaches your intestine, but like antibiotics,
stomach acid does not discriminate
between good and bad bacteria.
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20
NATIONAL GREYPOWER MAGAZINE » SEPTEMBER 2016
PRESIDENT’S REPORT:
The past three months have
been a very busy time for
most board members with
preparations underway for
the general election next
year and some changes to
the way we do things.
As part of a plan to make the
board more accessible to
members I want to attend as
many zone meetings as possible in
my first year as president. I have
also introduced a two hour open
forum before our quarterly board
meetings, which we will now hold
in Auckland, Wellington, Christchurch
and Dunedin in rotation.
The first open forum was held in Wellington
in August and there was a lively
but informal debate on a wide range of
issues and ideas with some good suggestions
for the board to consider.
The next open forum will be in Dunedin
in November and details will be available
when the venue has been decided.
On May 19 treasurer Roy Reid and I
attended the Zone Four Annual General
Meeting at Palmerston North. There was
a lively and very positive debate on recent
board developments and a commitment
of solid support from the zone. On
June 27 vice president Mac Welch and
I attended the Southland Association
AGM we explained some of the recent
developments on the Federation Board
and Mac’s new Commercial Opportuni-
Tom O’Connor
ties NAG.
There have been a couple of instances
where association members, with the
best of intentions, have become involved
in national political issues with less than
positive results.
While their commitment to Grey
Power ideals has been commendable,
statements have been made in both the
news media and directly to Members of
Parliament, which have been at variance
with what the Federation Board is trying
to do.
That has involved me in some last
minute and urgent damage control which
could be avoided if people would simply
let the board know what their intentions
are before they start.
Our work on a national issue is sometimes,
of necessity, conducted behind the
scenes to get the best results but tackling
a national issue on the local scene can
undo a lot of that work.
I have reminded all associations that
Federation Board can receive remits at
any time and consider them initially by
email and make the following decisions;
1. If a remit requires a simple response
we could do that by email to all associations.
2. If it requires detailed discussion we
could put it on the agenda of a quarterly
meeting of the board before it
goes to associations.
3. If it requires a major shift in philosophy
or policy it can be held over to the
AGM.
If associations concentrate on issues
and opportunities on the local scene, let
your board representative know what
you are planning and leave major national
issues to the federation most some
of this confusion would be avoided.
It is a simple matter of communication
and understanding our respective
roles and authorities. Only board
members can represent the Grey Power
Federation and then only with a clear
mandate from the full board. Association
members need to take great care to
ensure their public comments are only
representative of their association.
The recently released Local Government
Act 2002 Amendment Bill (No 2)
includes a proposal to extend the powers
of the Local Government Commission to
restructure district councils without consultation
with ratepayers. That means in
effect that the Local Government Commission
could require neighbouring district
councils to amalgamate some or all
of their functions and ratepayers would
have no say in the process.
This has the potential to significantly
increase rates rather that reduce them
and I authorised Local Body and Housing
NAG chair Pete Matcham to write
and present a submission to the Select
Committee considering the Bill.
On a recent visit to Wellington I had
the opportunity to talk to Transport Minister
Simon Bridges about our concerns
with the free off peak travel scheme for
SuperGold card holders.
The Government has capped the cost
of the scheme to $28million for the next
five years which has made administration
difficult for some regional councils
which are responsible for public transport.
In Auckland SuperGold card holders
are required to have an Auckland Transport
electronic bus card as well as the SuperGold
card at a cost of about $15 which
we see as contrary to the principle of free
transport. Apart from repeating his firm
assurance that the scheme will not be
jeopardised the minister seemed unable
to intervene in the Auckland situation.
We are also working through the issue
of medical cannabis which some of our
associations have raised.
The Federation Board supports the
concept of having medical cannabis
available and subsidised by the public
health system but only under the strict
control of health professionals. There is
no support for people growing their own
for self-medication for obvious reasons.
Finally, I note with sadness the recent
passing of past Grey Power New Zealand
Federation president Paul Hobbs of Te
Awamutu.
TOM O’CONNOR
President
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To purchase call our helpful team on 0508 003 507 or visit www.confitex.nz
May 2016 0216CFX027A

NATIONAL GREYPOWER MAGAZINE » SEPTEMBER 2016 21
PCR is proudly NZ Owned
and Operated
Tablets may be considered the new form of “child’s
play” but these days everyone is using computers
and the internet more and more.
It seems the days of writing a letter or sending a nice photo via the post
are rapidly becoming a thing of the past.
Even as the older generation, we are becoming more and more impatient.
We just want to see our Grandkids now, we want to do more than talk to them on
the phone, we want to see how they look, how much they have grown?
What can they say? And we want them to recognise us too. We want to share
that photo of the special event we went to this afternoon or find a local person to
come in and fix something that is broken.
These days we don’t reach for the big phone book, we check Google and see
what it has to tell us. We don’t read real books, we download them to our computer
and travel the world with 20 books all stored in our E-Readers.
The difficulty is moving from the manual process to the electronic one – giving
up the paper and learning how to operate this new technology. Making it work for
us can be where we come unstuck.
Many Tablets look great but when you get down to it they don’t really have
enough memory to store all the photos, and there are not enough ports (holes
in the side that allow other devices to connect), so we can’t take the SD card out
of the new camera we just brought and transfer all the photos directly onto our
computer or increase its memory capabilities. We can’t easily share our photos
with others.
How secure are they really? Some devices only run if they are connected to the
internet which can make them more vulnerable to being hacked. Some devices
can be hard to read as the type seems to be so small.
PC Revolution, is a New Zealand owned and operated company who have developed
a device that can remove many of these concerns. Their Tablets allow you
to take photos, call friends and family on Skype or keep in touch via Facebook,
check your emails or bank accounts.
It simply allows you to be in control. Connect to the internet wherever there is
a secure connection or operate completely off line (without internet) until you feel
you know the connection is safe.
As some of the highest-quality products on the market operating Microsoft
software they come with two cameras (one front and one rear facing) allowing
you to take pictures from all angles and record video. It’s also easy to connect your
device to any TV and make it a ‘Smart TV’.
All devices come preloaded with Windows 8.1 and Microsoft Office 365 and detachable
keyboards and cases offering the Tablet experience with the advantages
of a light weight laptop. Devices come with a one year warranty and are endorsed
by Microsoft.
These easy to hold and operate devices allow you to change the size of the print
by simply touching the screen. Relax, take a break by reading a book or playing a
game - even watch a movie.
All at the touch of a button . . .
COMPETITION:
Enter the draw to win
an 8’ PCR Tablet
2 x 8’PCR tablets to be won. (One for the North Island and
one for the South).
Prizes will be drawn on 21st October 2016 and the winners notified by
telephone and published in the November edition of Grey Power.
Name:..............................................................................................................................................................
Address:..........................................................................................................................................................
Email:...............................................................................................................................................................
Contact Phone:...........................................................................................................................................
Answer the following questions:
If you were to win a PCR 8’ Tablet what would you most use the device for?
• Talk to grandchildren
and friends on skype or
Facebook
• Receive emails
• Check internet
• Upgrade your TV to
a smart TV when you
connect a PCR Tablet
to it
• Take as many photos
or video as you like and
create new memories
with one of 2 cameras.
• Store 1000’s of photos
and carry them with
you no matter where
you go
• Make your own Nanna
brag book
Use as an E-reader and
enjoy
• Enlarging the screen to
enlarge the print!
• A large memory to
store lots of books for
that upcoming trip
• Easy to hold device
includes a removable
case and keyboard
Need to downsize from
that large cumbersome
computer under your
desk?
• Simply connect this
small device to a full
size keyboard and
screen and it will
perform just like the old
on only much, much
better
Best of all when you have
finished loading all your
photos, checking emails,
and chatting to friends
and family you can simply
unplug it and take it all
away with you.
Special Offer to Grey Power members
PC Revolution is proud to offer a special discount to Grey Power Members until
31 October 2016. All Grey Power members will receive a 20% discount on PCR
Tablets. Hurry stocks are strictly limited.
Order either on line www.pcrevolution.co by using the code GPOWER16 or email
us direct at nancy@pcrevolution.co • Tel: 027 548 9146.
Delivery within New Zealand is absolutely free and you could have your new device
as soon as 3 days after ordering! (should you order on line and then find you are
one of our lucky winners don’t worry we will either send you the prize or fully
refund your money).
10’ PCR Tablet was $595 now just $476
8’ PCR Tablet was $430 now just $344 – that’s about the same
price as just an E-Reader.
.............................................................................................................................................................................
What is its most important feature to you...................................................................................
.............................................................................................................................................................................
.............................................................................................................................................................................
Send your entry to PCR Tablet Competition,
Grey Power Magazine, P.O. Box 1425,
Waikato Mail Centre, Hamilton. 3240
50204

22
NATIONAL GREYPOWER MAGAZINE » SEPTEMBER 2016
TAX INEQUITIES: CHARITIES AND
DISTRICT HEALTH BOARDS
FROM DR MICHAEL GOUSMETT
CHARITIES
This year marks the 240th anniversary of the publication
of the book by Adam Smith, the Scottish philosopher
and economist, Wealth of Nations, in which he argued for
tax equity and fairness.
Yet here in New Zealand in the 21st
century we have numerous entities
that claim charitable status
while at the same time generating millions
of dollars in revenue from commercial
activities that are unrelated to
their charitable purposes, yet they pay
no income tax.
This is a failure of tax policy, not charity
law, and the Income Tax Act 2007 needs
to be amended to require such charities to
pay income tax on commercially-generated
revenue from activities that are unrelated
to their charitable purposes.
The next time you take a ride on a Go-
Bus, you are supporting a commercial operation
owned by Ngai Tahu and Waikato-
Tainui that pays no income tax.
The only problem is that you cannot
claim a tax credit for paying your bus fare,
as that is not a donation.
Ngai Tahu have also now added Queenstown’s
premier helicopter company, Glacier
Southern Lakes Helicopters, to their
stable of companies – yet another taxpay-
ing business that will now pay no income
tax, because it is owned by a charity.
There are many other businesses as well
that claim income tax exempt charitable
status, such as Pioneer Generation Ltd,
Musgroves Ltd, Wilson Bulk Transport
Ltd, and National Animal Identification
and Tracing (NAIT) Ltd, not forgetting
“Sanitarium” and “Mission Estate” wines.
The issue of unfair commercial advantage
through an exemption from income
tax is not unknown to New Zealand governments
and has been a subject in the
many tax reviews undertaken since 1967.
Even the government, over one hundred
years ago, recognised that it was inequitable
for government to undertake commercial
activity in competition with for-profit
entities while the government entities bore
no income tax liabilities.
Today, for-profit commercial activities
are being threatened with just this same
scenario, yet no government has the courage
to tackle this inequity.
National has made it quite clear that
they will not be revisiting the issue, and Labour
also appear to be disinterested.
It is only as a consequence of the introduction
of the Charities Act 2005 that we
can now see which entities are claiming
charitable status, and the financial activities
of those entities.
This was partly because entities that undertake
what are known in charity law as
charitable purposes can be incorporated
under different Acts, such as the Charitable
Trusts Act 1957, the Companies Act 1993, a
private Act of Parliament, or as a body corporate
such as a Maori institution.
Neither of these forms required public
disclosure of financial activity under that
legislation, yet an entity incorporated under
the Incorporated Societies Act 1908
was required to file financial details with
the Societies Registrar who then made this
information available to the public.
The Charities Act 2005 changed that,
and if a registered charity fails to file its
annual return and financial statements, it
may be removed from the charities register,
which then means that the charity may
then be liable to income tax.
This failure of tax policy needs to be
addressed. The answer is quite simple,
and is already partly provided for in the
Income Tax Act 2007 but an amendment
is required to that provision. Companies
and Maori Authorities can now claim as
deductions from their income any donations
paid to donee organisations, being
organisations which undertake charitable,
cultural and philanthropic activities in New
Zealand, and to those with Parliamentary
approval which undertake charitable activities
overseas.
The amendment would require that
those entities which undertake commercial
activities that are not related to their charitable
purposes to pay income tax on funds
that are retained after such donations to
further develop their businesses.
Would that not be a fair and equitable
way to redistribute income that is not applied
to related charitable purposes?
We can no longer continue to allow the
inequity that is evident in the charity sector
through allowing an unfair commercial advantage
which also ultimately disadvantages
the revenue, taxpayers, and the people of
New Zealand.
DISTRICT HEALTH BOARDS
Being Crown entities, district health
boards are exempt from income tax, the
theory being that government cannot tax
itself.
This, however, is a fallacy.
It may come as something of a surprise
to many people that our district health
boards pay what I argue is a property tax
on their net worth, that is, what they own
less what they owe, to the government.
The cost of the property tax to our dhbs
in 2015 was $40.5 million, an increase on
the $37.2 million paid in 2014. The Canterbury
DHB alone paid $12.9 million in
2015, and Capital & Coast DHB paid $8.4
million while at the same time being in
debt to the tune of $10.5 million, one-fifth
of all DHB debt of $50 million.
The absurdity of this is that the government-
ie taxpayers – fund the charge in the
Continued on page 25
Eight ways to care for your joints
Advertorial
Being able to move freely makes
everyday tasks easier and leisure
enjoyable. One of the frustrations of
ageing can be that joints don’t move
freely.
Life’s a breeze when they work but
joints are hard to ignore when something
goes wrong. Then joint care becomes a
priority. Smooth cartilage tissue is lubricated
with synovial fluid which cushions
the joints, stopping bones from rubbing
together. Just as tyres lose tread over
time, the cartilage that cushions your
joints becomes thinner.
Maintenance and care ensures you get
the best out of your joints for as long as
possible. Here are eight tips to ease the
pain, protect the cartilage you still have,
and slow the damage
LOSE WEIGHT
Excess weight stresses knees and hips
and increases the risk of arthritis. So slim
down if you are overweight.
Support your joints
“Joints that are prone to swelling
will benefit from support wraps around
them”, suggests Washington rheumatologist
Dr Borenstein. ‘It’s a non invasive
way to help joints work better.’
LUBRICATE YOUR JOINTS BY:
Drinking plenty of water
Eating omega 3 fats from avocado,
nuts, seeds, sardines and salmon.
Exercising to disperse the synovial fluid,
reducing friction between the bones.
Physical activity brings benefits.
“Exercise is the key to minimise arthritic
pain, says Dr Borenstein.” It has
many benefits.
BUILD STRONG MUSCLES TO SUPPORT
JOINTS
Even a little more strength makes a
difference.. Strong thigh and calf muscles
help support knees and hips. Take the
pressure off joints by strengthening the
surrounding muscles.
INCREASE FLEXIBILITY
Stretching exercises help fight stiffness,
increase flexibility and help protect
cartilage from wear and tear. Do some
every day.
STAY ACTIVE WITH LOW IMPACT ACTIV-
ITY
Low impact activities like walking,
aqua jogging, Tai Chi, yoga swimming
and cycling help protect joints from premature
damage. Even gentle movement
nourishes the cartilage through movement
of joint fluid.
KEEP MOVING – THE GOLDEN RULE OF
JOINT HEALTH
The more you move the less pain and
stiffness you will have. When watching
TV, reading, sitting at a desk or travelling,
move as frequently as you can.
An Aircycle circulation booster will
keep you moving – even while you sit.
The gentle exercise moves knees, hips
and lower back, increases flexibility and
strengthens the muscles to improve
walking. Refuse to accept joint pain and
stiffness as part of life. Do the work to
maintain and support your joints.
They are critical to remaining healthy,
happy and mobile.
Aircycles are available from pharmacies,
www.aircycle.co.nz , by calling 0800 14 14
15, or posting cheque for $44.90 (includes
p&p) to Aircycle, PO Box 45105, Waterloo,
Lower Hutt.
September is Arthritis appeal month. If you
order an Aircycle and would like to help
Arthritis New Zealand, mark your order
Arthritis. Aircycle will donate $5 from each
order to the appeal. Further donations can
be made by calling 0800 663 463
Voluntary Euthanasia Society NZ
‘Your Advance Directive tells people what you want, when you cannot.
Our ‘Guide to Dying - Your Way’ ($27) helps you create your Advance Directive, before
you need it. Visit www.ves.org.nz, email office@ves.org.nz, phone 09 215 4964 or
write to PO Box 89046, Torbay, Auckland 0742 for information.
50490
• Diabetic foot care
• Relieving arthritic pain
• Reducing swollen ankles
• Improving joint flexibility
CIRCULATION BOOSTER
Helpful for:
• Strengthening muscles
• Cramps & restless legs
• Stroke rehabilitation
• Parkinson’s & MS
• Painful fingers & wrists
• Aching legs/sore feet
• Cold hands and feet
• Travelling (DVT)
Post $44.90 (incl p&p) to: Aircycle, PO Box 45105, Waterloo, Lower Hutt. 5042
Available in pharmacies, at www.aircycle.co.nz or Ph. 04 569 5013

NATIONAL GREYPOWER MAGAZINE » SEPTEMBER 2016 23

24
NATIONAL GREYPOWER MAGAZINE » SEPTEMBER 2016
Vesta Cover’s discounted medical insurance
offer - Saving Grey Power members a fortune
The special medical
insurance offer Mac
Welch, Grey Power’s Vice
President, has negotiated
with Vesta Cover has saved
many Grey Power members
enormous amounts in
premium. In some cases,
the savings have been the
equivalent of the cost of a
brand new car over 7 years.
Advertorial
Grey Power Hamilton member’s,
Shayne & Kim Paterson took up
the offer in May 2016. Shayne
said “I found dealing with Vesta easy
to understand and a pleasurable experience.
As opposed to the issues
we’ve had with our previous insurer.”
Shayne and Kim were able to increase
their life cover marginally, take out
medical cover with a low excess and
still save around $250 per month.
As well as the massive saving in premium,
Shayne and Kim have benefited
from at least one improvement in their
medical cover. Their previous policy didn’t
cover them for non-Pharmac drugs – the
very expensive medicines that aren’t subsidised
by the Government. Had they ever
needed those drugs they would have found
their medical insurance policy lacking.
Now they are fully covered up to $300,000
per year.
Take a look at the comparison table below.
It compares the medical cover offered
to Grey Power members with other major
providers in the marketplace.
Call Vesta on 0800 283 782, email them at
info@vestacover.co.nz or visit their website
www.vestacover.co.nz.
Still need life insurance? Let Vesta’s expert
work out how to reduce the cost
Life insurance starts to get very expensive
in later life. If you’re still holding some
cover you’re probably finding the premiums
increase a lot every year. You may not
realise that there are a number of strategies
an insurance expert can use to help you minimise
the cost of your cover. Whether this
means working out other ways to achieve
your objectives, restructuring the cover to
bring the long term cost down or finding
much lower cost options out in the market
place. Usually the outcome is big savings.
Life insurance is comparatively easy to
get and doesn’t usually have the exclusions
that can come with a medical insurance application.
You don’t have to be in perfect
health to get very good life insurance terms
offered.
Bryan Tucker is an authorised financial
adviser with over 30 years’ experience
in the life insurance industry. What
he doesn’t know about life insurance isn’t
worth knowing. Give him a call if you’d like
to look at your options. Grey Power members
will receive an independent report
that compares the cost and quality of their
cover with most other providers in the marketplace.
Call him on 0800 283 782 or email him at
bryan@vestacover.co.nz.

NATIONAL GREYPOWER MAGAZINE » SEPTEMBER 2016 25
interRAI and how it works for you
From page 6
decisions and remember things, their
likelihood of wandering and other
behaviour problems. It can also be a
predictor of carer stress.The higher the
MAPLe score, the greater the person’s
need for care and support.
The National Data Analysis and Reporting
Centre has, for the first time,
published the Annual interRAI Data
Analysis Report, which provides na-
Are you New Zealand’s next Silverfox
or Foxy Lady?
From Sunday, September 4 you
have the opportunity to take part in
a fun photo competition which celebrates
the fact that we’re north of
our 40s – and proud of it!
Whether you’re a silver-haired siren
or a salt-and-pepper stud, GrownUps is
keen to hear from you. The proud ambassadors
of New Zealanders aged 50+, they
are on the search for New Zealand’s 2016
Silverfox and Foxy Lady!
GrownUps.co.nz is searching for both
a Silverfox (male) and Foxy Lady (female)
in three categories: 50-59, 60-69, 70+.
You can enter yourself or nominate
someone else who really suits their whitetipped
locks. Maybe it’s your neighbour,
TAX INEQUITIES: CHARITIES
AND DISTRICT HEALTH BOARDS
From page 22
first place - only for dhb’s to have to pay it
back! How much elective surgery would
those funds have provided if they had
been available for healthcare?
The idea behind the capital charge,
which is the name given to this inequitable
form of taxation, is that if the
government – ie the taxpayers - had not
provided funding for assets such as hospitals,
the money would otherwise have
been invested and earning interest for
the government.
However, because the money has been
spent, the government wants a return on
its taxpayer-funded “investment.”
No doubt many people will be surprised
to learn that the interest rate used
to calculate the quarterly property tax is
not the same as current bank rates.
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earning 8 percent annually on our investments,
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Given that we pay taxes to fund, among
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of paying twice, first through our taxes,
then through private health insurance?
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26
NATIONAL GREYPOWER MAGAZINE » SEPTEMBER 2016
Breaking new ground without breaking the
bank while enjoying a top travel experience
FROM ALAN NEBEN
Publisher Grey Power National Magazine
Travelogue: Hainan Island
(South China Sea), China
When our children
were young, planning
an exciting
overseas holiday usually
involved a ‘toss
up’ between Australia
(either the Gold Coast
for value and sunshine
or Sydney for the Opera
House and a trip to
Taronga Zoo) and Fiji
(for sunshine again
and a taste of a new culture).
Fast forward 20 years
and just like the kids, we’ve
grown up – well a bit anyway.
I recently travelled further
afield to a destination
with not only sunshine and
amazing ‘photo ops’, but
one that offered the chance
to see and experience another
life: China’s Hainan
Island.
China has certainly
never featured in my top
10 list of relaxing holiday
destinations.
BUT…
As an essential destination
for the modern business
person?
YES.
As an exotic Asian experience
for ‘20-somethings’
back-packing their
way around the world?
DEFINITELY.
But as a tropical getaway
with a real hint of
luxury?
NO…not really.
Having spent a week
on Hainan I have changed
my opinion on that score.
I imagine what Hawaii was
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Alan Neben
to mainland USA back in
the middle of the last century,
Hainan is to mainland
China now.
While emerging fareastern
travel destinations
like Vietnam and Thailand
grow and mature, they are
trumped in many ways by
the sheer scale and unbridled
ambition of a country
determined to offer the
‘best of the best.’
Located off the southern
coast of China’s
Guangdong Province in
the northern South China
Sea is the island of Hainan.
A province in its own right
with a population of more
than 8 million, the island
has for many years been
a popular holiday destination
for Chinese and, to a
lesser extent, Russians and
Koreans.
In much the same way
as Madagascar for centuries
remained an isolated
incubator for the development
of unique species
found nowhere else on
Earth, Hainan has been
isolated from the plague
commonly known as ‘the
Western tourist’.
As a result, the German
tourists haven’t claimed all
the deckchairs at the hotel
pool by 5.30am each day,
because there are no German
tourists.
And when local Hainanese
gesticulate politely
requesting a photo with
you, they are genuinely
excited to do so and not
planning to then sell it to
back to you for a sizeable
bounty.
Hainan really is a destination
uninfected by
hordes of Western tourists
and for the average
Kiwi tourist like me, that is
most refreshing.
For much the same reason
that Hawaii is such
popular holiday option
for Americans, a tropical
island destination that
screams, ‘get away from
it all, come here and relax,’
so Hainan Island has
evolved as ‘China’s Hawaii’
– a place to escape, with a
tropical climate, seascapes
and a holiday vibe.
To be sure you get the
idea, coconut palms litter
Hainan, leaving you in no
doubt you are on a decidedly
tropical island.
I visited several shops
that sold nothing but local
coconut products – hair
products, confectionery,
baked goods, cooking supplies,
skin treatments as
well as – hard liquor and
cigarettes of course!
“… be warned,
during my trip
in June the
temperature
rarely dropped
below 34C,
translating to
‘feels like’ 44C”
Nowhere on Hainan
Island says ‘holiday’ more
than in the south, around
Sanya City.
Sanya City and the famous
Yalong Bay offer
holiday beachfronts to rival
the best anywhere in
the world.
The winterless climate
(according to the literature,
23-26C degrees yearround,
though be warned,
during my trip in June
the temperature rarely
dropped below 34C, translating
to ‘feels like’ 44C)
is an obvious drawcard
for Kiwis like me, and has
been for many years for
Chinese escaping the colder
winter climates of the
northern mainland.
As a result, holiday
apartments and accommodation,
particularly in
the island’s southern Sanya
region, abound. Combine
the holiday spirit and
the tropical climate with
events like the island’s famous
Dragon Boat Festival
or Chinese New Year
celebrations and the result
is a uniquely Asian experience
in a destination with
a very different feel from
the more industrial land-
scape of China’s heartland.
Local tourist officials
proudly boast of Hainan
province’s sustainability
efforts.
I noticed preserved
mangrove ecosystems in
abundance; I even stayed
in the enormous and interestingly
named Mangrove
Tree hotel in Sanya – despite
exhaustive inquiries,
the exact number of hotel
suites at the Mangrove
Tree could not be accurately
verified.
Estimates, even those
proffered by senior hotel
staff, ranged anywhere
between 3500 and 6000
rooms. I insisted to my local
guide that: “any number
of rooms greater than
200 is ‘big’ in my world.”
But this is China, where
everything is big, and just
because there are a lot
of rooms doesn’t mean
they’ve skimped on space
or features.
This is the ‘new’ China
where luxury is not necessarily
a luxury.
Getting there
My journey took me
to Sanya via Hong Kong
and a connecting flight
to Haikou, the capital of
Hainan Province. Haikou
is the largest city in the
province with a population
nearing one million. From
Haikou I caught a high
speed train to Sanya in the
south.
As from late 2016, China
Southern Airlines will
be flying direct to Sanya
from Auckland. This
should offer some good
time savings, and direct
travel and hotel packages
using this new route already
look very enticing.
The Auckland-Hong
Kong leg was 12 hours on
Cathay Pacific, with the
Hong Kong leg to Haikou
taking an hour and 20
minutes on Dragon Air.
Having acquired tickets
at Haikou station for the
high speed train to Sanya,
a journey of one-and-ahalf
hours, I sat down to
wait for my train and was
acutely aware of just how
hot it was outside the confines
of air-conditioned
planes and buses.
Wow, it was way hotter
than home – I really was in
tropical Asia.
After the quick rush
to board, the comfort of
the air-conditioned train
was welcome relief and
allocated seats meant no
problems in finding ample
space for legs and bags.
A direct flight to Sanya
will eliminate the need to
take the train, but if you do
want to see the Island and
travel between the main
cities, I recommend the
high speed train service
for comfort and convenience.
And at 100 Yuan
($23NZD) first class between
Haikou and Sanya,
it won’t break the bank.
Things to do
One of the most enjoyable
aspects of my visit to
Hainan was experiencing
the culture and meeting
the people.
The best way of doing
that is to simply get
amongst it with a trip to
the markets; a wander
round the shops; a chat
with a cab driver (not always
easy, but usually entertaining).
All are stimulating and
a great way to get a feel for
Hainan.
My busy schedule involved
a lot of travel on the
island and visits to tourist
attractions. The Chinese
National Tourist Office is
keen to promote Hainan
as a holiday destination for
Kiwis.
There are numerous
special attractions for
holiday-makers from our
part of the world. And every
effort was made in my
case by the local operators
Continued on page 27

NATIONAL GREYPOWER MAGAZINE » SEPTEMBER 2016
27
From page 26
to ensure our trip was well
organised and our needs
were well catered for.
With some trepidation
on my second night
in Sanya I accepted an
invite to the ‘big show’ at
Sanya’s Romance Park.
Romance Park is a theme
park celebrating … well …
ROMANCE!
What a fabulous spectacle
and the show, no matter
how unlikely its premise,
is one I recommend to
anyone visiting Sanya.
I also thoroughly enjoyed
my visit to Mission
Hills Movie Town,
Haikou, an attraction
perhaps best described as
‘Universal Studios meets
1930s Shanghai’. This was
fun entertainment and a
chance to experience the
1930s Shanghai movie set
on a massive scale with
themed entertainment elements.
I also thoroughly
enjoyed my visit to Mission
Hills Movie Town,
Haikou, an attraction
perhaps best described as
‘Universal Studios meets
1930s Shanghai’. This was
fun entertainment and a
chance to experience the
1930s Shanghai movie set
on a massive scale with
themed entertainment elements.
China’s wedding capital
While it’s not really my
thing, I was astounded at
the number of Chinese visiting
Sanya specifically for
the purpose of marriage.
During a five minute
scenic helicopter flight
along the beachfront at
Sanya I counted 22 bridal
parties pouting their way
through pre-wedding day
photo shoots on the public
beach. There are 400 wedding
photography and videography
services in Sanya
alone.
Now that’s gotta say
something about the feelgood
factor of the place!
So you think this is big?
I stayed in four hotels
as we travelled around the
Island and my general impression
was they were of
a high standard. Of course
the old rule of thumb applies
on Hainan as much
as anywhere.
“You get what you pay
for.”
However in a couple of
cases on Hainan, you actually
get a lot more.
While the aforementioned
Mangrove Tree
Resort took the prize for
‘bigness’ at 3000-6000
rooms, there was a decidedly
‘package-holiday’ feel
to it.
The Park Hyatt Sanya
Resort took the prize for
‘best in show’, with suites
that exuded class and luxury,
breakfasts to die for and
a stunning pool that went
on and on and on (I paced
out 120 meters before I
gave up and dived in). A
single lap and my workout
was done for the day.
For a more earthy,
green break the chaletstyle
accommodation and
mineral spas of the Narada
Resort offered a pleasant
change of pace.
If golf is your thing, you
need to spend some time at
the Mission Hills Spa, even
if only to say “I’ve stayed at
the world’s biggest public
golf resort” - 10 golf courses
and the hotel features its
own water park, shopping
precinct and business centre.
A package including a
couple of rounds of golf,
breakfasts and premium
accommodation start at
a not-unreasonable 3580
yuan ($750NZD) pp twin
share.
Chinese people are generally
not keen swimmers
(with the exception of the
Chinese Olympic swim
team) and have quite an
aversion to the sun, hence
the average sun-loving
Kiwi tourist can be somewhat
bemused.
The pool facilities in the
resorts are exceptionally
good and largely un-used,
and all in a place where the
climate almost begs you
to go for a swim – go figure!
I wasn’t complaining
however … as far as fellow
swimmers go, for me, less
is definitely more.
Should I stay or should I
go?
As a visiting Kiwi,
Hainan Island is a place
where you are still treated
as an honoured guest, not
just a number.
I recommend you consider
booking a group of
friends to experience this
new and exotic destination,
at a price that really
works. I’d consider organising
a group of say three
or four couples.
For those who like to
travel and want to be a bit
creative or edgy, Hainan
Island offers the ‘exotic’
factor, at a good price,
without the discomforts of
‘roughing it’ that are often
obligatory when going to
less travelled locales.
As a bonus you can go
via Hong Kong. It won’t
cost a fortune - unless you
want to buy a fortunes
worth of holiday experience,
you can do that too.
In Hainan, nothing is too
much, too big or too opulent.
You may want to also
consider future options
for spending some of the
New Zealand winter in
Hainan, the way many retired
Brits opt for Spanish
sunshine and cheap cerveza
when the weather gets
them down in Godzone;
I have it on good authority
that there are excellent
medium-term apartment
rental accommodation options
for those who are so
inclined.
Businesspeople on the
other hand may want to
consider Sanya for a short
‘R&R’ break on the homeward
leg of a business trip
to mainland China.
In terms of getting
around, get some help
from your hotel travel
desk - a good guide is
well worth a good tip.
I wouldn’t recommend
driving yourself, instead
sit back and enjoy being
driven.
Communication can
still be challenging at
times for English speakers.
My advice is to take
your time and, “don’t
stress - you’re on holiday!”
I’ll be back next year,
‘cos I gotta do a round in
under 80!’
Alan Neben’s travel and
accommodation were organised
by China Travel
Service (NZ) in conjunction
with Hainan Tourism
50+ Kiwis 65+ Kiwis
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28
NATIONAL GREYPOWER MAGAZINE » SEPTEMBER 2016
New funding for research into heart disease
The Heart Foundation has
recently announced $1.5
million in new funding
for life-saving research
into heart disease, New
Zealand’s leading cause of
death.
This year’s funding round
includes 12 project grants,
five Fellowships, three
Overseas Training and Research
Fellowships, and five summer
studentships.
Among the successful applicants is
Dr Ruth Cunningham, from the University
of Otago (Wellington), who has
been awarded a $148,000 project grant
to investigate ways of managing cardiovascular
disease (CVD) risk in people
with mental illness.
Adults using mental health services
in New Zealand are twice as likely to
die before the age of 65 compared with
other Kiwis, and many of these deaths
are caused by CVD, she explains.
“The increased burden of CVD experienced
by people with serious mental
illness is not adequately accounted for
by our current risk prediction tools,”
says Dr Cunningham.
“This will be the first time CVD risk
factors and outcomes for people in contact
with mental health services have
been documented in New Zealand. Our
aim is to create a tool that better predicts
the risk of CVD in this group.”
Tim Norman, from Midlands Regional
Health Network Charitable
Trust, has been awarded a $15,000
project grant to trial a new method of
assessing chest pain among people in
rural Waikato,
“Our aim is to increase the proportion
of low-risk patients presenting
with a suspected heart attack who can
be successfully assessed in the rural
primary care setting, without them
needing to travel to a hospital unnecessarily,”
says Mr Norman.
“These kinds of improvements
When you need us, we’ll be there
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Leaders in Care
would reduce avoidable hospitalisations
and free up hospital resources,
while also improving the way we manage
chest pain in GP clinics.”
Funding has also been awarded to
Dr Katrina Poppe, from the University
of Auckland, who will use a hand-carried
echocardiography tool to assess
the prevalence of structural heart disease
in people with atrial fibrillation,
one of New Zealand’s fastest-growing
forms of heart disease.
Heart Foundation medical director
Gerry Devlin says ongoing research is
critical in our efforts to reduce deaths
from heart disease in New Zealand.
“Research is vital because it allows
us to learn more about the causes of
different heart conditions, then get
better at preventing and treating them.
Thanks to our generous supporters,
we’re able to continue funding highcalibre
research right here in New Zealand.”
Gerry said this year’s applications
align strongly with the Heart Foundation’s
mission to prevent premature
deaths from heart disease and offer a
better quality of life to those living with
it.
“Among the research projects and
Fellowships we’re funding, there’s a
particular emphasis on reducing inequalities
in cardiovascular (CVD)
rates – between ethnicities, socio-economic
groups, genders, and even between
those with and without mental
illness.”
The Heart Foundation is New Zealand’s
leading independent funder of
heart research, having invested more
than $55 million into research and cardiology
training since 1970.
Its 2016 funding round spans a
range of clinical, biomedical and public
health topics.
This funding announcement brings
the charity’s total funding in 2016 to
$2.2 million.
How does a person
get photo ID on their
SuperGold Card?
To add a photo to your SuperGold
card, visit your nearest AA Driver
and Vehicle Licensing outlet. Take
your SuperGold Card and originals
of the following identification:
• For a New Zealand born client:
one form of government-issued
documentation stating your full legal
name and date of birth (eg birth certificate,
passport, driver licence, firearms
licence, deed poll etc)
• For a client born overseas: proof
of your lawful residence in New Zealand
(eg New Zealand passport, other
country passport with residence
visa, citizenship certificate, etc)
• Two more documents supporting
your identity. These could
include a marriage certificate, bank
statement, phone or power account,
driver licence, etc. Note: One of these
documents must be at least two years
old.
• Proof of any name change.
In the very rare cases when Grey
Power is contacted by cardholders who
are not able to produce the ID listed
above, contact Violet at the Federation
Office. She will contact Tim at the MSD
and he will contact the AA head office
personally to help facilitate the process.

NATIONAL GREYPOWER MAGAZINE » SEPTEMBER 2016 29
New Zealand’s “Decumulation Dilemma”
From Suzanne Baldwin, co-owner of ImPower Limited, an
independent fee-based financial advisory practice. Suzanne
is an Authorised Financial Adviser and Certified Financial
Planner (CFPCM) and her disclosure statement is available
free of charge on request at request at info@impower.nz.
I
was lucky enough to attend a
‘Decumulation Forum’ a few
months ago organised by the
Commission for Financial Capability.
It was attended by representatives
from all facets of the financial
services industry as well as organisations
directly involved with the
provision of services to retirees.
I happened to be at a table where
there was the representative from
Grey Power, the Retirement Villages
Association, Treasury and
the NZ Society of Actuaries. This
was a great session as it discussed
the ‘decumulation dilemma’ facing
retired New Zealanders now and in
the future.
Before I go into talking about my
take on why there’s a ‘decumulation
dilemma’, I should firstly explain what
decumulation actually means as it appears
to be more of a financial ‘buzz
word’ than a proper Oxford Dictionary
word.
It is basically the process where assets
accumulated over your working
life are converted into income available
to sustain you in retirement. It is the
move from ‘asset accumulation’ to ‘asset
distribution’.
You could say that the asset accumulation
process is relatively straightforward.
The process of decumulation
however is not – it’s quite the dilemma.
It requires a great deal of planning because
of the number of uncertainties
and risks make it difficult to assess an
individual’s requirements in retirement.
Presently many New Zealanders
are being left to make retirement decisions
like what they need and how they
will get it without the proper financial
knowledge, advice or understanding of
the risks involved. This is dangerous as
the older we get, the fewer the opportunities
we have to make up for any poor
purchases or decisions.
The predominant risks faced by people
in retirement are:
• Outliving your financial resources
(called longevity risk) - people are
now living longer. On average, 65
year old men can now expect to
live until they’re 86 and 65 year old
women until 88. By 2031 both sexes
are expected to live an additional 2
years which means they will spend
around 25 years in retirement.
• Inflation and low interest rates (like
we have right now!) – the negative
impact of receiving a lower level of
income from interest bearing investments
and the effect inflation
has on purchasing power over time.
• Sharemarket fluctuations – shares
and investments go up and down
meaning there is uncertainty in
both share value and dividend income.
• Increasing costs of healthcare –
private health insurance is costly
as we get older and treatment for
non-acute medical conditions in
the public system is usually not
performed in a timely manner, begging
the question - would you pay
or wait?
• Long term care needs – this is a
difficult one to assess as it depends
on our state of health as we age
and what government benefits are
available.
• Future paths of government and
their ability to sustain NZ Super going
forward – possible changes in
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Not surprisingly, we found out that
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problem. Nowadays people entering retirement
tend to be healthier, wealthier
and more active than in previous generations
of retirees and with ongoing
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there will be approximately 1.3 million
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30
NATIONAL GREYPOWER MAGAZINE » SEPTEMBER 2016
Wanaka optometrist acquires innovative
technology to combat dry eyes
Leading Wanaka
optometry practice Eyes
on Ardmore has acquired
cutting-edge technology
in the form of a specialised
Intense Pulsed Light (IPL)
machine to significantly
improve the health of dry
eyes.
Eyes on Ardmore principal optometrist Danielle Ross demonstrating an IPL treatment
on her clinical assistant, Alyssa McIntosh.
The first of its kind in the lower
South Island, the $47,000 machine
is recognised around the
world as an unprecedented step in
the treatment and prevention of
dry eye disease and meibomian
gland dysfunction.
Eyes on Ardmore director and
principal optometrist Danielle Ross
describes the treatment as a breakthrough
in a field which has had very
little advancement thus far.
“It is so exciting because this treatment
is aimed at addressing the underlying
problem that causes dry eyes, as
opposed to eye drops that just provide
temporary relief of symptoms,” she
says.
“Patients are noticing significant
improvements in their symptoms, with
relief that lasts much longer than conventional
treatments.”
Originally designed for use in dermatology,
clinical trials indicate that
patients treated with IPL therapy experience
an 86 percent improvement
in the symptoms of chronic dry eyes,
such as eye soreness, grittiness and
blurring.
The machine works by transmitting
gentle yet powerful bursts of light into
the eye’s blood vessels, generating heat
and improving the oily layer volume,
as well as rejuvenating the eye tissue.
It also counteracts problematic
bacteria on the skin and eyes, which
can cause eye discomfort.
The 15-minute treatment is painless
with minimal side effects and patients
typically enjoy immediate results
which last up to 24 months.
Danielle says the arrival of the machine
is impeccably timed as dry eyes –
a condition presenting in many Southern
Lakes and Central Otago residents
– are often at their peak in winter and
spring.
“Winter is a killer for dry eyes as
artificial heating combined with very
low humidity can worsen symptoms,”
Danielle says. “Treating dry eyes effectively
before spring can also improve a
patient’s allergies, as allergies and dry
eyes are intrinsically linked in a vicious
cycle of one exacerbating the other.
“We recommend patients see us for
a Dry Eye examination; in this we take
a comprehensive look at a person’s dry
eye profile, including symptoms, triggers,
medical and lifestyle factors.
“Many people appreciate this approach
as they get the correct initial
diagnosis and the tailored treatment
plan ensures the best results.”
A Dry Eye examination consultation
costs $94, including advice on environmental,
dietary and medical modifications
as well as a customised treatment
plan, which may include IPL, depending
on the diagnosis.
The introductory IPL package comprises
three sessions of IPL therapy
over 45 days at a cost of $589.
For more information, visit www.eyesonardmore.co.nz/dry-eye/
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NATIONAL GREYPOWER MAGAZINE » SEPTEMBER 2016 31
What’s Cooking with foodie frontman at festival
Celebrity chef Michael Van
de Elzen has come full
circle.
He grew up on a chicken farm
and now he and wife Belinda
have sold their Auckland restaurants
and city home to live on a
farm.
“I’m turning back the clock to where
our food comes from,” he says.
After spending 28 years in the fastpaced,
late-night restaurant world,
where he worked from 7am to midnight,
Michael decided he wanted to be
available for his children, Hazel, 5, and
Ivy, 3.
“I didn’t see Ivy for the first year
of her life, because I was working too
much.”
Now he raises beef, sheep, chickens,
goats and a pig, has a garden lush with
fruit and vegetables and is building his
own cooking school.
He is also a regular on TVNZ shows
and loves to entertain people live.
Michael Van de Elzen will be presenting
a cooking event during the garden
festival in November.
That’s what Michael will be doing
during the Powerco Taranaki Garden
Spectacular when he presents What’s
Cooking, at the Theatre Royal in the
TSB Showplace on November 5.
“I love to make people laugh – I tell
people stories,” he says.
But mostly, he wants to inspire people
with food.
“I want them to go home and wake
up in the morning and think ‘I want to
cook’.”
When he was younger, Michael had
three career paths before him – an accountant
(“I love numbers”), a carpenter
or a chef.
He chose the latter because as a
teenager he washed dishes in a steak
restaurant and fell in love with the
excitement and action of working in a
kitchen, which could do 500 covers a
night.
“It was like a drug – I was addicted.”
The day after he got School C, he
went full-time at the restaurant and
has never regretted this life choice.
During his OE to London, he worked
his way up the ranks at Sir Terence
Conran’s acclaimed Bluebird restaurant.
The building was owned by Bob
Geldof, who he saw often, and many of
the patrons were high-profile, includ-
ing Princess Margaret.
“I’ll never forget once I had to escort
Madonna out the back door because all
the paparazzi were out the front.”
He has catered for Elton John and
met the Queen when he headed a
140-strong chef team for the official
opening of the Tate Modern to cater for
5000 guests.
Next, he and his wife-to-be moved
to Ireland where he headed the kitchen
of a small luxury hotel called Dunbrody
Country House.
During their time there, the establishment
was named Conde Nast
“World Small Hotel of the year”.
Back in New Zealand, they opened
Mt Eden restaurant Molten in 2004,
and then cocktail bar Liquid Molten
next door.
They sold both in 2011 to pursue
new adventures.
Michael has fronted TVNZ shows,
The Food Truck and Family Recipes.
Now he’s starring on Kiwi Living every
Tuesday on TV One at 7.30pm.
People can see Michael Van de Elzen in
action at 7pm on November 5. Tickets
available from www.gardenfestnz.co.nz.
The Powerco Taranaki Garden Spectacular
The Powerco Taranaki Garden Spectacular
(formerly the Rhododendron
Festival) is New Zealand’s premier
garden and events festival, offering a
feast of mostly private gardens, open
to visit for 10 days.
It runs from October 28 to November
6, 2016. The festival has house and garden
tours, Taylor-Chapman tours, celebrity
chef demonstrations, guided walks,
workshops and garden talks on everything
from bees to propagating to bio-intensive
gardening.
The annual feature event of the festival
is the Landscape Design Project – this
year discovers the Lost Paradise Project
in New Plymouth’s beautiful Pukekura
Park.
Of the 45 gardens, 40 are private gardens
open to the public exclusively for the
festival. The 2016 festival will also feature
ten new gardens for you to discover.
Festival programmes are free and include
a map for visitors to plan their garden
visits.
Please call us on 0800 746 363 or check out
our website www.gardenfestnz.co.nz to sign
up to get a free programme posted to you.
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Meals also available
Gluten free, Dairy free & Vegetarian
Make your plans now!
For a free programme:
0800 746 363 or
www.gardenfestnz.co.nz
New Zealand’s Premier
Garden & Events Festival
28 Oct- 6 Nov 2016

32
NATIONAL GREYPOWER MAGAZINE » SEPTEMBER 2016
Grey Power CodeWord No. 5 (September
CROSSWORD
Complete Grey the Power crossword. Then Crossword rearrange the letters in the shaded No. 5 (September 16)
squares to spell out the Word to the Wise indicated below the grid.
1 2 3 4 5 6 7
8
9 10
11 12
Grey Power CodeWord No. 5 (September 16)
13 14 15 16
Each number in the grid represents a letter of the alphabet. Three letters have
already been given. Start by filling in these ones, and build the words in the grid
from there. When you have completed the grid, you will be able to solve the
coded message.
17 18 19 20
21 22
1 2 3 4 5 6 2 7 7 4 8 9
10 4 11 12 12 13 14
23 24
15 4 1 10 14 2 1 16 11 2 4 16
Word 12to the Wise: 10 Centre 6of attention or admiration 17 (8) 12 12
Word to the Wise:
ACROSS Centre of attention or admiration DOWN (8)
11 14 17 5 10 17 12 9 12 8 1 9
1. Approach and address boldly or 1. Offend or insult (7)
aggressively 1 (6) 1 6 12
2. Rare intriguing object (5)
CODE
already been
CRACKER
given. Start by filling in these ones, and build the wor
Each number in the grid represents a letter of the alphabet. Three letters have
Grey Grey from Power there. Power When CodeWord you have completed No. No. the 5 (September 5 grid, 5 you will able 16
to 1
Each Each number number in in the in the in the grid the grid represents grid represents a a letter a letter a of of the of the of the alphabet. the alphabet. Three Three lette
already already 1been 2been given. 3
given. 4Start Start
5
Start by by filling by by filling
6
in in
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7 ones, 4and and
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9
build the the the words LETTE the wo in
from from from there.
10 there. When When
4 you you have
11
you have have completed 12completed the the the grid, the grid, you grid,
13 you will you will will be
14
will be be able be able to able to
1solve
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2s
coded coded message.
message.
by PMH
© Pam Hutton 2016 | www.puzzlebeetle.co.nz
1 1 12 12 12 2323 3410 4545 5 56 6 6 6262 2727 7717 7 7474 4812 8989
912
9
10 10 10 10 11 414 4 4 17 4 11 11 11 11 5 12 10 12 1217 12 12 12 12 12 9 13 12 13 13 13 8 141 14 14 14 9
15 15 154 15 14 4141 110 10 1014 10 14 142 14 12 2121 1 61 16 16 16116 11 112 112 2412
4164 16 16 16
12 12 12 12 9 10 15 10 10 10 4 613 6 6 69 18 17 17 1718 12 19 12 12 12 9 121 12 12 12 9
Complete the crossword. Then rearrange
the letters in the shaded squares to spell
out the Word to the Wise indicated below
the grid.
by PMH
11 11 114 11 14 1417 14 17 17 17 6 5 5 5105 10 1017 10 17 1712 17 12 129 129 912 12 912128 128 8181 1919
9 59
1 1 1 15 1 14 20 120 1 1 13 646 6 17 6 9 1 12 12 1220 14 14
9 9 91517 915154 154 413 13 4 139 139 9 12 9 18 18 18 18 18 18 1819 18 719199 19 9111 1919
9 89
LETTER VALUES
CODED MESSAGE
I
13 13 13 13 17 17 17 17 17 17 17 17 8 8 8 8 9 9 9 9 20 20 20 20 17 17 17 17
1 2 3 4 5 6 7 8 9 10
17 17 173 17 73 316 16 3 1617 16 19 17 17117 11 113 11 14 3 3193 8191919 101 10 1017 17 17 17 17 173 173 3915 912 9 3 3
© Pam Hutton 2016 | www.puzzlebeetle.co.nz
Each number in the grid represents a letter of the alphabet. Three
already been given. Start by filling in these ones, and build the words in the grid
from coded there. message.
When you have completed the grid, you will be able to solve the
coded message.
15 4 1 10 14 2 1 16 11 2 4 16
16 617 6 6 20 6 4 1 17 17 1712 12 20 12 12 12 4 16 4 58 5 513
5
15 15 1514 15 13 14 1420 14 20 20 20 17 20 203 203 3417 4174 17 179 17 89 9191 1 91 20 20 2014 20 14 14 14
14 1417
17 17 17 17 434 4 16 4 12 17 12 12 12 11 3 19 7 7 7 10 7 11 17 11 1117 83 8 8 98
16 16 1617 16 17 1720 17 20 204 204 4141 1 1 12 12 120 12 20 204 204 4164 16 164 164 4848 8138 13 13 13
11 12 13 14 15 16 17 18 19 20
CODED CODED MESSAGE
MESSAGE
Solution
4. Across Careless minor mistake (4-2)
9 15 4 13 9 183. Person whose 18 19 name 9is not 1specified
9 T U L I P M U F F I N S
9.
1.
Motley
Approach
assortment
and
of
address
things (7)
boldly
(2-3-2)
Solution on page 51
or aggressively (6) H I R A A G O
LETTE
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175. Tropical 12 woody climbing vine (5) 5
4. Careless minor mistake (4-2)
Sudoku
11. More or less egg-shaped (5)
6. Remedy for all diseases (7) Solution
Solution W I T H O U T
9. Motley assortment of things (7)
SUDOKU Puzzle 3
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5
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9 6 2 1 2
15 14 20 20 3 4 17 9 1 20 14 14
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16
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20 4slightly 1 (8,5)
T I I I RR R T AA A MAA A GG G A OO
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LETTER VA V
or shades
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of meaning
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16 4(7)
8 13 the grid, using the numbers
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directness (7)
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4 3
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1 1 1212 2323
13 17 17 8 9 20 17
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number once in each row,
RR RO OR E P H A S A N T S
11 12
21. 19. Sing Object in soft low surviving voice (5) from earlier (7) time (5)
each
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2 9 7 4
quantity (7)
22. Sudden increase in strength
18. Convenient
or quantity
and functional
(7)
(5) SS SW SD WI WI EGI GB I GS SG I S ST CC C CA CCB CY YC I YS SD YST TS I TS
SN TSGS
23. Wanders CODED from MESSAGE
direct course (6)
Solution on page 51
5 2 9 1 10
20. Immature form of insect (5)
23. Wanders from direct course (6)
GM MME EEE E NE AA A SA B PP
P P CODED T ME HM
E
24. Tests and determines quality of
7 3 19 14 8 1 10 17 15 12 3 3
24. metal Tests (6) and determines quality Solution of metal on page (6) 51
W WO OW O B L I E
1
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2
T
9
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DD DE ED EB BE BI BI TI TI T T AA BA DI DI DI DI NI NI NG
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10 1
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2. Rare Solution
Sudoku
intriguing object (5) Simple, safe and stylish, Acorn
6 1 2 7
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3. Person whose name is not enjoy specified their own homes (2-3-2)
6
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3 5 8 7 6 2
5. Tropical woody climbing • For vine straight (5) or curved staircases
H I R A • Indoor A and outdoor G liftsO
LETTER Sale VALUES of estate collections 9 our speciality. 8 4 1
6. Remedy for all diseases (7)
• Free home assessment
We buy and sell deceased estates on behalf.
7. Surveys
W I Tof Hpublic O Uopinion T • Fast (5)
Dinstallation
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6 2 4 9 7
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11 12 13 14 15 16 17 18 19 20
Confidential sales are conducted on your 8 behalf by professionals. 2 5
15. Examines carefully and FOR in detail FREE BROCHURE (7) & QUOTATION R A G O W D E C Y B
T T M A
You get the best prices
3
available.
8
16. Deliberately avoids or abstains (A small commission applies)
S W I G S C 0800 C Y from S688 T(7)
S 863
17. www.acornstairlifts.co.nz
Things proved to be true FREE (5) DVD Guide to Stairlifts CODED Contact Barrie MESSAGE
anytime on 07 856 4212 or 027 4804 06756 • Licensed
5
Arms
3
Dealer
M E A P
18.
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and
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7 3 19 14 8 5 1 9
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F L Y O N
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© Pam Hutton 2016
D
B
LETTER LETTE VA V
© Pam Hutton 2016 | www.puzzlebeetle.co.nz
Pam Hutton 2016 www.puzzlebeetle.co.nz
© Pam Hutton 2016 | www.puzzlebeetle.co.nz
© Pam Hutton 2016 © Pam | www.puzzlebeetle.co.nz
Hutton 2016 | www.puzzlebeetle.co.nz
1 1 1212 2323
11 11 112 11 12 1213
12 1
Medium Sudoku Puzzles 3
7 7 7373 3193 19 19 19 14 14 148 148 8 8 1 1 110 10 1017 10 17 17 17 15 15 1512 15 12 123 123 33
3 3 3
www.printablesudoku99.com
11 12

NATIONAL GREYPOWER MAGAZINE » SEPTEMBER 2016 33
Macular Degeneration
We can help
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34
NATIONAL GREYPOWER MAGAZINE » SEPTEMBER 2016
NZTA Staying Safe workshop programme for senior drivers
Advertorial
The NZ Transport Agency’s
Senior Driver programme
has a number of resources
including the Staying
Safe workshop, which are
designed to help improve
the road safety of people
over 70 years of age.
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NATIONAL GREYPOWER MAGAZINE » SEPTEMBER 2016 35
STAYING SAFE
A refresher workshop for senior road users
Have fun and brush up on ways
to maintain your mobility
and independence
Staying Safe is a classroom-based
refresher workshop designed for all
senior road users aged 70 and over.
The aim of this workshop is to:
• help you to maintain and improve
your safe driving practices
• give you information about other
transport options available when
driving is no longer possible.
For more information about courses,
please contact the NZ Transport Agency
on 0800 822 422.
You can take a self-assessment quiz,
watch safety videos and read about how
to improve your safety on the road
at www.nzta.govt.nz/traffic/seniorroad-users.
Why not visit today?

36
NATIONAL GREYPOWER MAGAZINE » SEPTEMBER 2016
Relief from pain
I’d like to share with other Grey Power
members how I found relief from
my arthritic pain.
My age is 80 plus and I have very bad
arthritis particularly in my hands due to
being employed in the jewellery making
industry and other hobbies over the years.
The fingers on my hands were very
stiff, mis-shapen and slightly swollen
most of the time.
I purchased an Aircycle some time ago.
The swelling has been reduced and the
change in the pain levels has been amazing.
I was previously kept awake a lot of
the time most nights in constant pain and
aching and that has now all gone.
I also have a problem with both shoulders
and my right elbow but with the use
of the Aircycle the pain has been reduced.
In the beginning I used the Aircycle
every night for 5 to 10 minutes but now
I just use it occasionally. Due to allergies
I am not able to use any of the advertised
strong pain killing drugs available.
I truly bless the day I purchased my
Aircycle and have purchased two more as
gifts for my children.
Natalie, Ngatea
Applaud
I applaud John H Gascoigne’s article
on NZ superannuation which properly
recognise the dynamic nature
of the scheme across time. I would,
though, add the following.
It was common in the late 90s’ for politicians
to opine that super would become
less affordable because in time there
would be fewer workers to support greater
numbers of super recipients. This has
to be seen as a crude and dated concept
of policy analysis along with “numbers of
hospital beds” and “increased farm production”.
All that the above ‘ratio’ analysis shows
is that New Zealand has always had an inordinate
reliance on wage/salary earners
in maintaining the national tax base. The
ratio between earners and end recipients
is less important than the total national
wealth which Mr. Gascoigne realistically
estimates at $460bn by 2050. I hope he is
right in that assumption.
No doubt the numbers of wage/salary
earners will by then have been reduced
by huge advances in artificial intelligence
and the like rather more than by an ageing
population. Many people will be redundant
in their 40s having studied into
their 30s as slimmed-down and more cutting
edge industry becomes increasingly
more profitable.
But while wage and salary earners
have dutifully paid tax with little room
for avoidance the corporates (that will be
reaping the wealth benefits of savagely reduced
staff numbers gained through technology)
have, to date, been somewhat less
dutiful. Will less people in work and more
productive machines in the workplace
promote the hoped-for growth in the
public coffers or will the wealth benefits
flow to the 1% ultra-rich we keep hearing
about today?
If the Super scheme is to be kept in
the game through rising GDP then governments
are going to have to take far
more seriously the need to ensure that the
wealth from the coming tech boom gets
better spread around. So far the trend is
very worryingly in the opposite direction.
We see eye-watering salaries for a few top
managers (payable perhaps in non-taxable
form through stock options created
overseas in shady tax havens) with multinationals
making huge profits on which
they triumphantly pay no tax at all. This is
simply not tenable any more if New Zealanders
are to be afforded a proper lifestyle
for their past efforts.
Dave Smith
88 Redwood Ave
Tawa, Wellington
(04) 2325084
A real buzz
What a buzz I got, when I saw my
name - in print - under SURVEY
WINNERS.
I enjoy reading the Grey Power magazine;
full of great information, for us
young - oldies.
Please pass on my sincere thanks, to
CHALLENGE, for their very generous
support.
The $50 petrol card, couldn’t have
come at a better time.
Pauleen Wilkinson.
Rotorua.
I don’t like it
As a newcomer to the Greypower organisation
I have some real reservations
about the worth of this quarterly
publication. I do value belonging to
the Greypower and the politicking
done on our behalves but I don’t like
this glossy publication.
The amount of advertising is excessive
and there are few well researched articles
on issues which I am interested in – volunteer
work, budget holidays, new medical
research and lifestyle choices not based
around a retirement village.
Too many so called articles are actually
just spin for some product being flogged as
the way to go in one’s old age. I would prefer
any information I read to be unbiased with
discussions about both the pros and cons.
Not every retiree has sufficient dollars
put by to travel to exotic places, buy into
retirement villages or try out every health
gizmo which comes on the market. Some of
us have to be thrifty. Where are the articles
about making your pennies go round rather
than spending them all?
The publication would cost less if it were
printed on newsprint – then I could use
it for the fire! Cheaper paper would also
mean less need for advertising.
I look forward to a change of direction
down the track and if it does not eventuate,
will probably ask to become a non-recipient.
It would save the postage, the paper
and my having to recycle it.
Mary Trayes
West Coast
The Elephant In The Room, Et Al.
First of all, the “et al.” I totally agree
with Peter Grove’s letter and, from
what he told me, the comments,
made to him directly by members
who also read it, were all positive.
His paragraph “It is my belief the advocacy
meetings display an appalling
amount of subservience. I also believe the
continuing insistence on remaining “apolitical”
is completely wrong. Who among
our membership are ”apolitical?” I’m sure
I am NOT!” is also right on.
I had an “exchange” last September
with the then Vice President, Tom
O’Connor, following his “BOARD MEM-
BER COMMENT.” He said, among other
things, “Grey Power is one of the few truly
apolitical advocacy groups in New Zealand.”
I took issue with him over that, among
other things that he said and in his reply
he stated that “As a journalist and editor
with about 40 years experience I don’t
need instruction on the meaning of words.
Apolitical, as used in modern terminology,
means not aligned to any particular
political group or ideology.” I wonder
why, if “Apolitical, as used in modern terminology,
means not aligned to any particular
political group or ideology,” dictionary
definitions have not been changed
to reflect what Mr. O’Connor asserts.
Merriam_webster Dictionary says Full
Definition of apolitical
1) having no interest or involvement in
political affairs; also : having an aversion
to politics or political affairs
2) having no political significance
The Merriam_webster is just one definition.
The definition “2)having no political
significance,” in my humble opinion,
does describe rather well the efforts of
the advocacy committee on its trips to
Wellington! Our own Constitution clearly
states in 2.2 Powers D. (xv)The policy of
the Federation shall be non-sectarian and
non-party political;
Surely, this begs the question, “Where
does Mr. O’Connor come up with the (apparent)
right to change GreyPower from
non party political to Apolitical? Here is
just one appropriate definition, along with
the link, for non party political.
non-party adjective [ before noun ]
POLITICS not involving or related to a
political party:
The government intends to hold nonparty
elections to the new bodies.
http://dictionary.cambridge.org/us/
dictionary/english/non-party
While GreyPower, as an organisation,
overtly claims to be “non-party political,”
there is at least one National Board member,
Zone 1 Representative Don Nightingale
, who is very overtly “party political.”
Mr. Nightingale, at Kerikeri Association’s
second, and this time successful,
attempt to hold its AGM, the first one
having been abandoned as “unconstitutional,”
gave his contact details, to our
new secretary on his Conservative Party
business card! How about that for Apolitical/non-party
political?
The abandoned first AGM is also a story
in itself, one of conspiracy by Mr. Nightingale
and the then Kerikeri Association
President, Liz Renner, to hijack it for their
own ends, but they failed. Readers who attended
the National AGM in Christchurch
may also remember the attempt by Mr.
Nightingale, again, in cahoots with Liz
Renner, to have me stripped of my delegate
status, which also failed. I also did
end up being elected President of Grey-
Power Kerikeri and retained my AGM
delegate status.
There also seems to be “selective censorship”
in our magazine. I wrote an article
on “Local Sales Tax,” which was the
subject of one of our remits at the AGM.
The article was submitted in time for the
March 2016 magazine, but failed to appear.
I discussed the omission with the magazine
editor at the AGM and he clearly implied
that it was “a board decision” not to
include it.
I have to wonder if someone or “someones”
on the board didn’t want it published
because, if it had been and the
delegates had had detailed information, it
might have passed.
He also gave me the distinct impression
that it would be in the June edition,
which it clearly is not. September perhaps,
along with this, perhaps?
It was also interesting to read elsewhere
that GreyPower has had a subcommittee
sitting since 2013, to consider alternatives
to rates, and it still has come up
with no ideas!
The now Vice President, Mac Welch,
also weighed in by describing 2 of our
remits, Local Sales Tax and Local Currencies
as “woolly,” despite the Mayor of
Christchurch speaking in glowing terms
of Christchurch’s move towards creating
its own local currency. I also learned a
week or so ago that the City of Dunedin is
looking at its own currency, “The Dunedin
Dollar.”
Maybe I should get in touch with Grey-
Power Otago. Local sales taxes are very
common in America and Europe and the
reason that we can’t have them here is due
to the fact that New Zealand is one of the
most centrally controlled countries in the
world with 91% of all tax revenue spent
centrally (Wellington) and only 9% spent
locally.
A local sales tax would result in Wellington
giving up some its control of the
sheeple and that would never do.
Now, The Elephant In The Room.
Some may wonder what is the definition
of “The Elephant in the Room,” well, here
is one.
elephant in the room
n. A very large issue that everyone is
acutely aware of, but nobody wants to talk
about. Perhaps a sore spot, perhaps politically
incorrect, or perhaps a political hot
potato, it’s something that no one wants
to touch with a ten foot pole.
The scam banking/debt money system
in this country is the elephant in the
Continued on page 38

NATIONAL GREYPOWER MAGAZINE » SEPTEMBER 2016 37
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38
NATIONAL GREYPOWER MAGAZINE » SEPTEMBER 2016
From page 36
The NZ National Debt today, 7 Aug
2016, is a little under NZ$111.5 BILroom,
but no one in at GreyPower or in LION, (NZ$23,963.00 per man, woman
Wellington wants to address it.
and child) earlier in the year it was
I have read through the latest “Advocacy
NZ$120 Billion, either way it is well up
Report’ and one word stands out from the NZ$82.8 Billion in June 2014
which is “funding,” usually accompanied when John Key said, in our June 2014
by the word “increased” or “under.” magazine, and I quote, “After six years
In a nutshell, more “funding/money” of hard work, Budget 2014 gets the
is wanted/needed for just about everything
Government’s books back in surplus so
but nowhere is there any sugges-
we won’t leave a growing burden of debt
tion as to the source because nobody, for future generations.”
be they politician or GreyPower advocacy
Yeah right! Check it for yourtude
committee, has the intestinal fortiselves
at http://www.nationaldebt-
to talk about how the debt money clocks.org/debtclock/newzealand
system works, assuming that they even The vexing part, to me at least, about letters
know, and why it is the real problem/
here is that there is no way to con-
disease which needs to be removed. tact, reply to, the writer direct Here is
All the solutions to the problems are my direct e mail address, searcher1068@
simply putting bandaids on a cancer. yahoo.com, if anyone wants to comment,
The cancer, the banking system, needs criticise, even compliment (not too likely
to be cut out so that some honest system
probably)
can replace it.
OH, one final thing, I will be very in-
Last week I came across an item on terested to see a copy of the wording for
the Grey Power website under “Latest
the Kiwi bank guaranteed deposit scheme
Media Comment.” It started off and how good it will be if Kiwibank goes
Grey Power’s Bill Rayner does not bust and the RBNZ implements its “bail
intend to be rated out of his home, and in plan” a/k/a “OBR” (Open Bank Resolution)
wants the Government to help other superannuitants
which is what happened to Cy-
do the same.
prus.
Grey Power plans to call on politicians
Have a look at this, http://goldsurvivment-run
to commit to creating a Governalguide.co.nz/rbnz-bank-bail-in-scheme-
equity release scheme. (equity
release is a fancy term for mortgage/ tion-obr/ there are plenty of others.
for-bank-failures-the-open-bank-resolu-
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But
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50484
reason cannabis was made illegal by
the American-driven War on Drugs,
which was to “have a way to control
blacks and anti-war, hippie types”. If
you doubt that quote from president
Nixon’s advisor, Harry Anslinger,
just have a look at the disproportionate
number of blacks in America and
Maori in our prisons on cannabis
charges
Cannabis has been used for centuries
to provide relief for many ailments and
there is not one case of overdose, unlike
alcohol and many legal pharmaceutical
drugs.
Even the common aspirin can cause
death. Recent global expert studies have
shown that cannabis has been wrongly
classified and is, in fact, not a dangerous
drug.
If you find these facts unbelievable,
please check online for deaths caused by
drugs and alcohol. You may have been
a victim of the deliberate and relentless
campaign to demonise cannabis, but the
truth is emerging from the pits of the decades
of misinforming the public.
Many states in the USA now allow cannabis
use and more countries are following
Portugal’s brave and compassionate
move to make all drug use a health issue
and not a criminal issue.
You may be shocked by the benefits
that result from removing the criminal
aspect of drug use.
These benefits include reduced violent
crime, reduced alcohol use, reduced
alcohol-related car accidents, reduced use
of highly addictive pharmaceutical pain
medication, with no increase in drug use
and money available to help those with
problems. Why wouldn’t we welcome
these benefits in New Zealand?
I was dragged through the courts when
busted by police for growing cannabis for
my husband whose condition was greatly
improved by cannabis use where no other
drug was effective.
Standing in the box in the courtroom
like a criminal was incredibly stressful
and took a huge toll on myself and my
husband. Once my case was made public,
many people approached me with their
stories, and I was shocked by the high
number of elderly people secretly using
cannabis as a drug of choice, despite its
incriminating risk. The most common
story amongst elders was cannabis use for
pain and nausea relief, and help with getting
to sleep.
Recent information pried from government
treasury files with the help of the
OIA, proves what a fiscal disaster cannabis
prohibition is, costing us $400,000,000/
year to police and incarcerate cannabis
users. What possible reason could we
have to continue the “War on Drugs”,
knowing how expensive, ineffective and
harmful this misguided prohibition is?
A conviction can ruin one’s life and
have huge detrimental effects on the
whole family. The harm done to society
by drug incarceration is immense and beyond
the imagination of any compassionate
person.
As baby boomers, many of us experienced
at least an experimental “toke on a
joint” as young adults. The side-effects of
cannabis are well-known and often useful
for some ailments including loss of appetite
and depression - while the “munchies”
and “happy backy” effects of cannabis
are beneficial.
One of the significant benefits of medicinal
cannabis is its ability to be effective
in many cases where pharmaceuticals
fail or fall short.
Many of us were heartened when the
Grey Power Otamatea branch president,
Beverley Aldridge, spoke so intelligently
on the cannabis issue.
The Otamatea branch voted unanimously
at one of its meetings to take a
petition to parliament asking for cannabis
law reform. Beverley wisely warns that
we may not have rights to use cannabis in
future without paying copyright royalties,
as the US Government has patented cannabis.
We know that Helen Kelly, Martin
Crowe, Paul Holmes and and other
respected New Zealanders have chosen
to find relief with cannabis. Cannabis is
not for everyone, but we should have the
choice of using and growing this useful
and once fully legal drug – legal in NZ
prior to 1961.
As we age into the time in our lives
where we are more likely to suffer from
some kind of deterioration, it is cruel and
defies logic to deny us a drug we can grow
in our own gardens.
Victoria Davis
Golden Bay
Mixed message
A recent mid-week edition of Dunedin’s
community newspaper contained
an item lauding the achievement
of a Dr Jason Hill, (plus the
almost mandatory ‘team’), in shortening
waiting times for colonoscopies
at Dunedin Public Hospital, to
less than one month.
The inference was, that this ought to
be seen as something of an achievement.
However, having been involved with the
‘system’ at the time this was being put into
effect, I had been made very acutely aware
of the human costs of this exercise.
After a referral to Dunedin Hospital’s
Gastro-Enterology Department by my GP
following some months of stomach discomfort,
I underwent a colonoscopy with
little delay, on the basis of having been
tagged as ‘semi-urgent’. All well-andgood,
except that the procedure revealed
an unsuspected tumour in the ‘ascending’
side of my colon. With a further minimal
wait, I underwent a CAT-Scan at the same
facility which confirmed that to be the
case, and would have provided further information
as to a possible ‘spread’ of the
problem. After an interview with a SDHB
surgeon, I was placed on a priority list for
surgery, which I am happy to say I have
now undergone with indications, as far as
can be seen at this time, of a positive outcome.
Throughout, everyone I dealt with
had been very professional and helpful to
that point. Routinely, I walk three to five
kilometres per day on a fixed route around
our hilly suburb to preserve some semblance
of fitness, because I spend at least
part of each day in front of a computer.
Even the much maligned ‘Compass’
meals, although there is still room for
some improvement, proved to be not as
bad as some commentators had claimed
them to be.
Before my operation, and at that time
in a very positive frame-of-mind about
the approaching surgery, I received a letter
under the letter-head of the Southern
District Health Board advising me that
my GP’s application for a colonoscopy had
been refused
on the basis of my age.
At that time, I was approximately four
months short of eighty years, the widely
held limit for access to such procedures.
The basis for the refusal was that by
the time of the ‘follow-up’ colonoscopy,
(which takes place six months after the
Op.)
I would have passed the mark of ‘threescore
and twenty’. Apparently, on that
basis, I was also to be refused the initial
Colonoscopy, the CAT-Scan and surgery,
due to what appeared to me to be an irrelevant
minor technicality, and especially
so, in view of the fact that with surgery
carried out promptly, three of the four
Continued on page 39

NATIONAL GREYPOWER MAGAZINE » SEPTEMBER 2016 39
From page 38
procedures would have taken place before
my turning eighty.
The letter, which purported to be a copy
of information sent originally to my GP,
pointed out, that its authors were obliged
to inform me that I could apply to have the
procedures carried out ‘privately’ if I so desired.
I indicated to my GP, that the one procedure
to take place beyond my attaining
the age of eighty, I would be quite willing,
if not entirely happy, to fund myself
by having it done privately, if ‘them was
the rules’. Rather incongruously I felt, the
‘colonoscopy triage committee’ offered
to review my application in the event of
‘changed circumstances’, but the only
thing I could envisage which could change
those circumstances, would be for time to
somehow reverse itself for four months enabling
me to claw back enough ‘karma’
to enable me to have all four procedures
carried out before reaching age eighty.
So, this was the ludicrous situation.
I was to be denied a colonoscopy,
(which I had already undergone), a CAT-
Scan (likewise).
the operation and follow-up.
It took a trip to my GP, (who, by the
way, had not received his copy of the letter
until five days after I had received mine),
to make any sense of this farcical situation.
Although he appeared to be rather reluctant
to enlighten me further as to the
‘politics’ of it all, he left me, rightly or
wrongly, with an impression that he was
far from unfamiliar with this kind of thing.
I accepted his assurance that this was
typical of an environment where ‘One
hand did not know what the other was doing’
for much of the time. My booking and
a provisional date and time for surgery followed
by mail a few days later, and I could
only hope to hell that this level of incompetence
would not extend, on-the-day, to
the hands of the surgeon and members of
his team; which I am pleased to be able to
report it did not.
One of the advantages of laparoscopic
surgery and a good level of general fitness,
was my being able to go home after just
three days in hospital, and within a further
few days I was back to walking my usual
daily quota of kilometres with minimal
discomfort and no need for pain-relief.
Fortunately, I enjoy strong family and
GP support. What concerns me is the
plight of folks who discover they too have
malignant growths, but who lack the support
which I rather took for granted.
Surely, to discover that you have a tumour
is shock enough for many people in
my age-group, without the insertion into
the equation of a ‘Colonoscopy Triage
Committee’ which seems able to deny access
to these services on what appear to be
specious grounds.
I might add that, from a state of reasonable
fitness for my age, I also volunteered
to be a guinea-pig in a pilot scheme being
promoted by a PhD student at Otago University,
which receives an enthusiastic endorsement
from hospital staff; consisting
as it does, of two weeks of daily attendance
at the University’s School of Physical Education
riding an exercycle, in-effect, ‘up a
moderately steep hill’ without the benefit
of ‘gears’, for sessions totalling
twenty minutes at a time, with five
bursts of activity of two minutes each and
‘rests’ between, which consist of somewhat
reduced levels of activity. I can vouch for
that programme’s effectiveness, finding
that when I took up walking post-operation,
I could trundle around my usual
600m route more easily than I had done
before beginning the programme. Undoubtedly
that, and the non-invasive nature
of key-hole surgery, had contributed
in no small measure, to my rapid recovery.
My principal concern, however, is that
based upon my own experience and the
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without the backup which I had.
Imagine someone living alone in a
super-annuitant’s flat and who perhaps
knows few people locally being presented
firstly, with the news that they have a tumour,
to be followed within a few days,
and just when the impact of the original
news has begun to sink in, with the double
whammy of what carries all the hallmarks
of a fait accompli which effectively closes
off all options and consigns them to life’s
scrap-heap. I suspect that an outcome, in
many cases, would be to see confused people
at a time of feeling pretty ‘low’ already,
being spooked into ‘going-private’.
And what future awaits those who find
themselves unable to afford that costly alternative?
A lady I know who had found
herself in a great deal of pain as the result
of a shoulder
injury, but seemed doomed to languish
forever on waiting-lists due to her
condition not being prioritised as ‘urgent
enough’ for more timely intervention, was
forced to finally capitulate and put herself
in the hands of the private health system.
Her view is that ‘seniors’ are being coerced
by such tactics, into an environment of
+
LC73/75/77 XL
LC133
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‘Privatisation-by-Stealth’ by the agencies
which hold the purse-strings, which
means, ultimately, the Government.
A further sinister portent is the possibility
of members of prioritisation committees
in the public health sector, also
having a financial stake in the ‘private’ system,
thus being in a position to siphon-off
cases which can be refused services on a
similar basis to those which
I feel applied in my case, to their considerable
advantage. In the wider community
that would be seen as ‘conflict-of-
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40
NATIONAL GREYPOWER MAGAZINE » SEPTEMBER 2016
From page 39
interest’ and I would be very interested to
know how that meshes with both the ethics
of medicine and the phenomenon of
‘ageism’, to which so
many agencies piously pay lip-service,
but tend to be found wanting when the
time comes to ‘walk-the-talk’.
Ian Smith
Immigrants
I would like to remind people of our
age that the immigrants are necessary
for New Zealand, otherwise we would
not have taxes paid to IRD to sustain
benefit payments along with health
subsidies our own have bailed on
us, for overseas or whatever reason,
those supporters of NZ First along
with Winston Peters could take a good
look at what state the country would
be in if these abused workers were
not here to feed our welfare requirements.
National Party and the trading dealers
have, sad to say, created a trap for both
immigrants and people by deeding an
economy dependent on overseas persons
to support and live with middle-class and
low income Kiwis in harsh survival. These
misplaced persons certainly have not come
to paradise, only a slightly better environment
at best no gunfire.
However, mistrust exists.
A useful hint
The product of blackcurrant powder
sold under the name SUJON is a great buy
as it creates mental alertness in old age.
One teaspoon mixed with yoghurt a day is
a wise dose to imbibe each morning. If you
Emergency Scam – Don’t get caught by this scam
Imagine receiving an email or Facebook
message that a family member
or friend has been robbed overseas or
been in an accident and requires money
urgently.
Of course you want to help your loved
one or friend, so you do whatever you can
in this emergency situation. You open your
wallet without hesitation.
Unfortunately people asking for financial
help can sometimes be scammers.
Known as the “emergency scam,” this type
of fraud involves bogus emails, messages
or calls claiming to be a relative or friend
to be in trouble. The personal nature and
urgency of these emails, messages or calls
causes people to let their guard down, and
act quickly without verifying the validity of
the request for money.
“Criminals often target seniors, but in
reality anyone of any age can be a target
of this scam,” says Wayne Howarth, Regional
Fraud Risk Manager Asia Pacific
with Western Union “With more people
sharing personal information online, such
as through social media websites, it’s easier
for criminals to learn details of personal relationships
so they can imitate loved ones
by name.”
Hackers may tap into a person’s address
book, sending emails or instant messages
directly from the person’s email account
alerting friends and family of the “emergency”
and requesting funds. Do not respond
to the email and confirm the situation with
someone who would have knowledge of the
situation or the individual’s whereabouts.
You work hard for your money; never let
a few minutes with a scammer take from
reside in small centres or suburbs, on-line
buying is the most reliable and cheapest –
no delivery charge is asked.
Peter Groves’ letter
Peter Groves’ letter is 100 percent
right on the ball. It should be mandatory
to debate it at every Grey Power
meeting. Nothing is apolitical.
To pretend otherwise is the height of stupidity.
Furthermore, if it is allowed to continue,
it will lead to the end of Grey Power
as an effective champion of the senior citizens
of New Zealand.
The future for Grey Power, in my view,
lies in affiliation with a political party who
would have one of its members assigned to
Grey Power to speak on its behalf in Parliament,
and would of course, have all the resources
of Parliamentary research at his or
her fingertips.
Medical care for the 65-year-olds is
fast becoming a joke. I read recently of a
78-year-old waiting for three years for a hip
operation and existing on morphine.
It is a well-known fact that a high percentage
of retirees on reaching 65 have to
give up medical insurance and fall back
onto the public health system. This could be
halted overnight by the simple expedient of
the Government making the extra amount
tax deductible, so helping to shorten the
waiting list.
What’s difficult about that Mr Key?
The editor of Grey Power could show
some enterprise by publishing in the LSQ
the number of those awaiting various operations
throughout the country under the
various heading that they fall and keep doing
so until action is taken.
I have been a member of Grey Power
since the foundation year, although Grey
you what has taken years or a lifetime to
earn.
Tips to avoid falling victim to the emergency
scam – Protect yourself
Never send money without confirming
the situation is real with someone who
would have knowledge of the situation.
Regardless of whether you are contacted
by phone, email or some other means, be
suspicious of requests to send money to
“help a friend or family member out” unless
you can verify the information you’ve been
given with 100 percent confidence.
Verify by calling the person at a known
telephone number, not a number given to
you by the caller. Or, call a mutual friend or
another relative and find out if he or she is
aware of the situation.
Never send money to someone you have
not met in person.
Mr Howarth advises “Awareness is the
best defense against scams”. These scams
can be convincing, but it’s important to
verify before sending any money.
To learn more about common scams
and how to protect yourself from fraud,
visit our website at: http://www.westernunion.co.nz/nz/consumer-protection
or
visit www.scamwatch.govt.nz
Det Snr Sgt Iain Chapman of Financial
Crime Group New Zealand states “always
verify emergency situations before sending
any money”
For more tips against scams watch
The Grandparent Scam plays off of peoples’
emotions at https://www.youtube.com/
watch?v=OUsd-T20wCA
Useful scam prevention advice at https://www.
youtube.com/watch?v=kDt4SEvQZWk
Power has made some gains, most have
been made by public opinion, certainly not
by being apolitical.
John C Sherwood
Whangaparaoa 0930
Rates – A case for the status quo
Following the article “Future of Funding
Local Government” by Rick Caddick
(November 2015 issue) and the
letter “Sales tax would save rates” by
Geoff Waterhouse (March 2016 issue)
I would like to express a contrary
view.
I believe the present system is fair – everyone
pays rates. Property owners pass
the cost to their tenants or leaseholders.
For low income owner/occupiers this is a
fairly generous rebate scheme, financed
by the state and administered by local authorities.
For the asset rich – income poor who do
not wish to downsize or move to another
area, councils will usually agree to accrue
rates and interest, repayable on the eventual
sale or …transfer of ownership. As a
last resort there is a reversionary mortgage
to be considered.
This leaves us with funding local authority
expenditure by a local sales tax.
This may, I repeat may, work in areas of
reasonable large population and considerable
influx of visiting tourists. Local authorities
with sparse population and few
or highly transient visitors will not be in
such a fortunate position. Their local sales
tax will be insufficient to pay for services.
Their solution would be to levy a services
charge i.e. rates by another name. In addition,
local residents may travel to purchase
in a lower sales tax area.
Charitable Trust, The Selwyn Foundation,
has entered into an innovative
joint venture with leading Australian
health technology and community
service provider, Feros Care, to service
the New Zealand health sector’s
community-based care requirements.
The new company, ‘Inviga’ (from “Invigorate”),
is a 50/50 JV between both organisations.
It has been established following
the success of a six-month Telehealthcare
pilot* undertaken by Selwyn last year and
developed in association with Feros.
In a market increasingly seeking innovation
and value-based approaches to service
delivery, Inviga has been set up to provide
technology-enhanced service models in
communities around New Zealand.
The Selwyn Foundation chief executive
officer, Garry Smith, says: “Both Selwyn
and Feros have a shared vision to improve
outcomes for people through technologyenabled,
home-based service delivery models
and to provide more holistic and coordinated
wraparound care to a wider range of
people who are in need.
“Community-based care is predicted to
grow significantly over the next 10-15 years.
Organisations such as DHBs, ACC, insurers
and others who are tasked with providing
tailored, restorative healthcare to individual
patients are looking for new thinking in
the provision of high quality services that
are cost-effective and add value to both the
end-user and the funder.
“By leveraging Feros’ expertise in the
Australian market and in smart technologies,
and Selwyn’s experience in the provision
of care, Inviga is well placed to respond
to this need. Inviga is focused on setting
new standards of restorative community
health services and ensuring better quality
To be avoided at all cost is the intervention
by central government in raising funds
on a national basis. How would they know
whom to levy? Tax records would be woefully
deficient to identify everyone and how
to weigh up each region’s share of the funds
raised? The whiff of a poll tax would be political
suicide.
It will take wisdom and patience to devise
a fairer scheme than we have at present,
attributes not usually associated with
Government decisions.
Finally, every local authority in the land
needs to improve efficiently, prune wasteful
expenditure and stop all vanity projects.
Roger Clark
Takapuna,
Auckland
Policy Protest
I agree with most, but not all of the
contents of Peter Groves’ letter headed
“Something Wrong” in the June
2016 issue of Grey Power Magazine,
and applaud both his action in writing
it, and the editor’s decision to print it.
Just like Peter, I took exception to
the fact that our advocacy group had
been treated with disdain by some
government officials, as shown by the
number of Intended meetings that did
not take place. Therefore I decided to
write a letter to the Grey Power board
voicing my concerns that were very
similar to those of Mr Groves, and asking
certain questions.
This letter dated April 5 pointed out
that despite Grey Power’s Policy Mission
Statement issued in September of
Continued on page 41
Joint venture between Selwyn
Foundation and Feros Care
and sustainable client outcomes.”
With 25 years’ experience in providing
home-based and community care for older
people, Feros Care has led the telehealthcare
revolution in Australia. The Selwyn
Foundation has been providing homes,
services and care for older New Zealanders
for over 60 years and advocates a holistic
model of care dedicated to the overall wellness
of the individual and not just their
clinical care.
Jennene Buckley, chief executive officer
of Feros Care, says: ‘There are increasing
strains on the New Zealand health system,
therefore new ways of supporting people
so they can stay in their own homes need
to be found. This joint venture will bring
new technology, systems and efficiency to a
market that is going through major funding
changes and transformation in the service
delivery model.
Inviga’s CEO, Aidan Craig, says: “Inviga
aims to revolutionise the delivery of care
to people living in the community, and our
proven, technology-based approach will
give us a strong operational platform to
connect services, innovate across service
areas, and therefore make a difference in
meeting people’s needs.”
The company’s service offering will include
coordinated, home-based restorative
and reablement services, as well as care and
support and health monitoring for patients
diagnosed with complex care needs and
chronic conditions.
While Inviga is solely focused on the
New Zealand community-based market,
it aims to develop new service solutions in
partnership with key organisations in the
sector and to fill the gaps for its healthcare
partners in the provision of sustainable care
for New Zealanders.

NATIONAL GREYPOWER MAGAZINE » SEPTEMBER 2016 41
From page 40
last year – “To promote an equitable
funding system for local bodies” – I
was disappointed to see the advocacy
report made no mention of the rates issue
having been raised at all.
I could only conclude that no representations
were made to further progress
this, and if that was the case, to ask
why? I went on to ask If Grey Power’s
advocacy was becoming too timid, too
PC, and not assertive enough, perhaps
because of underestimating the potential
power of its membership’s political
influence?
I ended by observing that apparently
some ministers and officials do not rate
this people-power (as wielded by Grey
Power) very highly – indeed in some
cases with disdain. Further, that if our
advocacy is seen to be over reticent and
polite, then we deserve to be treated as
pussycats, rather than as tigers with
teeth deserving of some respect.
At the time of writing this letter to
the editor, it is now three months since
I sent my letter to the board, and I have
yet to receive any reply or acknowledgement.
This practice seems to be
very much in line with Peter’s treatment
at the hands of then V.P., now
President Tom O’Connor. It reflects
badly on the board members, and perhaps
lends credence to Peter’s criticism
of the electoral system that voted its
members into office.
Apropos of assertiveness or lack of
it, I understand that after reading my
article promoting an alternative to the
rating system (printed in the September
2015 issue of this Magazine) – Local
Government New Zealand became
somewhat concerned, and asked Grey
Power if that was now official Grey
Power policy? The answer, and quite
rightly so, was “No”. Full stop!
Without being too assertive, that answer
could have been further qualified
and explained by adding: “But Grey
Power has a policy to advocate for and
promote an equitable funding system
for local bodies” – But obviously did
not bother to go that extra distance.
So far full marks to Peter and the
contents of his letter, but here we part
company, in as much as I think it important
that Grey Power maintains,
and is seen to maintain, an apolitical
stance.
We must be seen as being concerned
only with the justice, reasonableness,
fairness or otherwise, of measures taken
or not taken by the government of
the day, or by other agencies that may
adversely affect the elderly. Having
reached a consensus on such matters, it
then behoves us to be seen as freely and
independently advocating for the best
outcome for our members, beholden
only to our membership, rather than to
any other outside party.
Regardless of what our own individual
political leanings may be, over
a long period of advocating for the elderly,
most of whom will have widely
differing individual political leanings,
Grey Power as an entity will inevitably
have to deal with political parties of
many different persuasions, and cannot
afford to be seen as favouring, being
reliant on, or as being in the pocket
of any one of them. That would be
counter-productive and damaging to
our cause.
Rick Caddick,
Rangiora.
National Superannuation
Sustainability debate
If some critical comments on John
Gascoigne’s article on NZ National
Super sustainability (issue 26, June
2016) result in a public debate on the
pros and cons of a permanent NZ Super
Fund as the means to better secured
NZ Super sustainability, then
something would have been achieved
that has been evaded so far,
Entitlement of the ”low cost sustainable”
National Super introduced by Sir Robert
Muldoon was soon raised from age 60 to 65
and was somewhat reduced in value – but
still remained enough of a financial burden
for a “political accord” on the surtax.
There is no certainty that the conditions
for these measures to be taken will not recur
again, and why does John G. not credit
the NZ Super Fund for successfully taking
us over the “baby boomer bulge”, and acknowledge
that it would also be helpful to
keep our current NZ Super sustainable for
the substantially increasing proportion of
longer living retirees after the baby boomer
bulge?
Partly pre-funding our NZ Super through
the taxation system exactly the same Pay-
As-You-Go (PAYGO) way as our NZ Super is
being financed at present - can in no rational
way be seen as “dismantling and replacing”
our current NZ Super with something else,
as it obviously means only to carry on with
what we have working already to keep our
NZ Super (entitlement age) sustainable as it
is at present.
KiwiSaving is not supposed to replace
universal NZ Super, but only to help building
up personal “retirement nest eggs” by
those not keen to rely only on relatively
modest NZ Super in retirement, and perhaps
not keen on the entrepreneurial efforts
and risks towards that end either.
Therefore - while the $1000 kick-start to
all is more fair than only to those who are
better off and can afford immediate savings
commitments, the latter should not
become compulsory, but left open to choice
as at present - and with this any privatisation
considerations of NZ Super would be
eliminated from the NZ Super sustainability
debate.
But isn’t even more dubious than ignoring
the NZ Super Fund and dismissing
means testing, raising the entitlement age,
reducing the value of NZ Super or raising
more money through taxation as choices
to be faced for NZ Super sustainability - the
proposition “to change course and regain
rich-nation status” - by apparently returning
to the “low cost National Super” introduced
by Sir Robert Muldoon ?
The idea that “technically”(?), National
Super costs nothing - just cannot be true,
because as a “simple transfer payment” it
comes at the cost of giving up on something
else.
John G. does not explain how the statistical
evidence of three working age workers
per one senior over 65 by 2050 is “complete
nonsense” in his opinion.
While not wishing to drift into the pros
and cons of govt. assets sales unless challenged
to it, I would rather point out, that
since the national economy is subject to exactly
the same laws of physics as a company
or an individual economy - and no material
wealth can be created out of nothing - the
national economic growth rate depends directly
on the national savings and profitable
investment rate.
In other words, work alone without
saving for profitable investment and security
reserves delivers only hand-to-mouth
welfare and total “have nothing” poverty
.beyond that. Therefore – since the profitability
of investments is fluctuating, all
longer term economic growth expectations
would be more reliable in connection with a
known and steady national savings rate for
investments, reserves and debt reduction,
as could be initiated with a certain rate of
NZ Super Fund contributions built into our
taxation system.
That certainly would make our NZ Super
sustainability more secure than relying on
the free market alone to maintain the 2.7
percent economic growth rate for the 30
years needed to achieve that after the baby
boomer bulge, according to John G.
Jens Meder
Auckland
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42
NATIONAL GREYPOWER MAGAZINE » SEPTEMBER 2016

NATIONAL GREYPOWER MAGAZINE » SEPTEMBER 2016 43

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NATIONAL GREYPOWER MAGAZINE » SEPTEMBER 2016

NATIONAL GREYPOWER MAGAZINE » SEPTEMBER 2016 45
ADVOCACY NEWS
Meeting with the Ministry of Social Development:
Grey Power Federation Board members Jan Pentecost,
Pete Matcham and Terry King met with Ministry of
Social Development personnel Megan McCoy, Hayley
Hamilton, Sarah Clark, Jerry Wilson and Alex McKenzie
earlier this year. We hope the following information from
the meeting is of interest to our members.
1. Update on the Enduring
Power of Attorney amendments:
The Statutes Amendment
Bill No.5 (the Bill) is
progressing through Parliament.
The Bill includes
amendments to the Protection
of Personal and
Property Rights Act 1988
related to Enduring Powers
of Attorney (EPAs).
THE PROPOSED CHANG-
ES ARE:
• Allowing a standard explanation
to be set out in
Regulations for witnesses
to give donors about the
implications of entering
into an EPA.
• For mutual appointments,
allowing both
donors to have their signatures
witnessed by the
same authorised witness
provided there is no conflict
of interest.
• Allowing EPAs to default
to a successor attorney
if the donor revokes
the current attorney’s appointment.
• Requiring the authorised
witness of an EPA
to certify that the donor
understands the nature
of the documents and is
not acting under duress.
• Giving donors the option
of a standard clause
(as per wills) to revoke all
earlier EPAs.
• Extending consultation
requirements to include
any attorney acting under
an EPA.
• Removing provisions
that require a medical
certificate of incapacity to
be in a prescribed form.
• The Government Administration
Select Committee
was to report back
to the House in June
2016.
2. Social housing reform
programme summary:
Hayley Hamilton, Social
housing policy team, MSD
The social housing reform
programme is led by
MSD, and other agencies
work in a co-ordinated
way to deliver on the
work programme. Other
key agencies involved are
MBIE and the Treasury.
The social housing reforms
are about changing
the approach to social
housing with an emphasis
on an investment approach
and using the
mechanisms of a market
to shift the system. It’s a
series of shifts that will
take a number of years to
implement.
The Government’s Objectives
for Social Housing:
• ensure that people who
need housing support
can access it and receive
social services that meet
their needs
• help social housing tenants
to independence, as
appropriate
• encourage and develop
a more diverse ownership
of social housing, with
more innovation and responsiveness
to tenants
and communities
• ensure that social housing
is of the right size
and configuration, and in
the right areas, for those
households that need it
• help increase the affordable
social housing supply
(especially in Auckland)
Other points raised:
• a number of councils are
looking at models on how
to provide social housing.
• MSD can pay an income
related rent subsidy to
registered community
housing providers.
3. Tenancy reviews summary:
Jerry Wilson, Social
housing service delivery
team, MSD
Tenancy reviews focus
on whether a client is eligible
for social housing.
The purpose of tenancy
reviews is to ensure that
social housing is available
for those who most
need it.
MSD has been doing
tenancy reviews since
July 2014. By the end of
February 2016, we have
contacted over 4,000 social
housing tenants for a
review. Of those clients,
445 have moved out of
social housing into private
rentals and a further
66 have gone on to buy
their own home.
Initially MSD focused
only on tenants that
were working and paying
market rents. Now MSD
is starting to work with
other groups, which are
more complex.
The tenancy review
process takes several
months depending on the
household’s circumstances.
MSD will work with
the tenant and provide
the support to move to alternative
housing options
(when we found out that
the person is not eligible
for social housing).
More information can be
found at:
http://www.socialhousing.
govt.nz/
http://www.housing.msd.
govt.nz/housing-options/
social-housing/index.html
4. A new disability strategy:
Megan McCoy, Office
for Disability Issues
The Office for Disability
Issues is developing
the new strategy, and
wants to know what the
most important things
are for disabled New Zealanders
and their whanau
to live a good life.
One in four New Zealanders
is identified as
disabled—and one-third
of the disabled population
is over 65.
In fact, 31 percent of
disabled adults say that
their impairment was
caused by ageing, and
that’s why it’s important
for older people to have
their say in the development
of a new disability
strategy for New Zealand.
The new disability
strategy will provide clear
direction for the government
over the next ten
years, helping them to
make informed decisions
on issues that impact disabled
people.
5. Future Service Delivery
to Older New Zealanders
summary: Alex McKenzie,
MSD
The Ministry of Social
Development is leading
a cross-agency working
group to deliver the
project. The members
include representatives
from the Ministry of
Health, Accident Compensation
Corporation,
Ministry of Business,
Innovation and Employment,
Housing New Zealand
Corporation, Veterans’
Affairs New Zealand,
Ministry of Transport
and the New Zealand
Transport Agency. As the
work progresses, other
agencies are likely to be
invited to join the working
group.
The Future Service
Delivery Project is reporting
to Hon Maggie
Barry, Minister for Seniors.
Project summary
International experience
shows that more
integrated or collaborative
service delivery is the
most effective and efficient
strategy to meet the
changing needs of an ageing
population. Government
investment is more
effective if agencies take
an integrated approach to
the design, purchase and
delivery of programmes
and services for older
people.
The Future Service
Delivery Project has a
number of objectives:
• improving the timeliness
of older people’s access
to relevant services
that meet their needs
• improving the effectiveness
of services to older
New Zealanders (achieving
outcomes that government
wants for older
people)
• getting better value for
government investment
focusing on older New
Zealanders who have
high and complex needs
and who are at risk, or
experiencing economic
and/or social isolation
• supporting the economic
activity of older people
(as workers, volunteers,
carers, taxpayers and
consumers)
• maximising the opportunities
for partnerships
with the private sector,
communities, NGOs,
families and older people
themselves in the design
and delivery of services
• creating certainty and
setting reasonable expectations
so that people
can make smart choices
about their future.
Short-term initiatives
(2016)
The Future Service Delivery
Project will deliver
a number of short-term
initiatives for collaborative
service delivery (im-
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proving access to services
and support).
These are:
• improving access to information
on the range
of services and support
available to older New
Zealanders
• better identifying older
New Zealanders with
complex needs who are
at risk of, or experiencing
economic and social
isolation and ensuring
that they get access to the
services and support they
need
• identifying opportunities
for collaborative action
for improving health
outcomes for older people.
1. Developing content for
older New Zealanders on
the Govt.nz website
• We are developing a
central source of easily
accessible information
about services and support
available across government.
This is:
• providing a series of
user journeys on particular
topics that allow easy
transitions between Govt.
nz and more specialised
information on agency
websites. (e.g. support
to remain living in your
home)
• being undertaken with
funding from the Better
Public Services Seed
Fund
publishing the first
tranche of information
Penstemon Publishing
Terrie Gray
1 Kapai Road, Devonport Auckland
09 446 1044 021 709 131
terrie@penstemonpublishing.co.nz
www.penstemonpublishing.co.nz
Medal Mounting
• Court or swing style of full size
or miniature medals. Ribbon
bars prepared.
• Extra sets of medals for family
members. Supplier of replica
WWII wings and brevet.
• A framing service is available
for those within driving
distance of Kapiti.
on health services and
support for older people
in April 2016.
2. Better using existing
interaction points between
older people and
government agencies to
improve access to a wider
range of services
There is a need to better
identify older people
with complex needs who
may be at risk of, or experiencing
economic and
social isolation and to
take action to improve
access to a range of services
and support that
these people may need.
This means:
• maximising the opportunities
from face-to-face
case management
promoting a range of
services and support
through the provision of
information people receive
at specific interaction
points
• maximising the opportunities
arising from
initiatives currently underway
to better integrate
services (e.g. ACC
and Health work on falls
prevention and recovery
from falls and the revision
of the Health of Older
People Strategy).
The Ministry of Social
Development is considering
how they can maximise
their interactions
with older people. For
Continued on page 49
Tony Prowse,
6 Chilton Dr,
Paraparaumu,
Kapiti Coast,
5032
Ph 04 297 3232
or email:
tsprowse@xtra.co.nz
30 years experience • NZ Defence Force approved mounter

46
NATIONAL GREYPOWER MAGAZINE » SEPTEMBER 2016
Opposition leader Andrew Little says…
GPs’ fees rising not a dream
If it feels like going to the
doctor is getting more
and more expensive,
you’re not dreaming – it is.
General Practitioners’ fees are
rising. The bad news is that
for older Kiwis they have increased
by nearly 30 percent. The
cost of stepping into a doctor’s
waiting room has risen on average
from around $30 to $40 in the past
eight years.
If that’s not bad enough, the number
of practices that were subsidised to provide
low cost access has been capped
now for seven years. These so-called
Very Low Cost Access practices (VLCA
for short ) charge on average just $14 a
visit for those over 65.
There is now a disastrous situation
where 434,040 Kiwis who are classified
as high needs are missing out on this
low cost care.
Of course the irony is that some patients
who belong to low cost practices
are not classed as high needs patients.
So the question is how did we end up
with this dog’s breakfast of rising doctors’
fees? The blame can be squarely
laid at the feet of the Health Minister,
Jonathan Coleman, who has simply
failed to pick up the gauntlet on GPs’
fees.
Last year Treasury said more money
could be allocated to the VLCA scheme
so more high needs people would
qualify under the Budget. However the
Minister failed to make a Budget bid
for increased funding. He told doctors
that any changes might form part of a
future budget under a different health
minister. “I would like to get it sorted
out. I genuinely would. There is no new
money,” he told them.
Despite, Treasury’s suggestion that
further funding could be allocated, it
wasn’t and this has upset GPs.
Doctors like Whangarei GP Andrew
Miller say something must be done to
help high needs patients in his practice
who are not subsidised and don’t pay
a lower fee. He’s called on the Government
to resolve what had become an
“unsustainable and grossly inequitable
capitation model”.
Sadly Jonathan Coleman’s attempt
to fob this criticism off has meant more
pressure on older Kiwis as GPs signal
fees could rise even further.
The cracks are showing in other areas
with 45,000 mainly older Kiwis
being sent back to their GPs without
getting to see the specialists they were
referred to. In Waitemata alone 1500
people more than last year were refused,
while in the Waikato the number
of refusals jumped by 500.
The health system has been left to
limp along after $1.7 billion has been
cut from the Budget over the last six
years. The Government has persistently
refused to fund the impact of population,
inflation and wage increases. This
means that 12 out of our 20 district
health boards are getting less funding.
However primary health care must
remain the main priority for the Government
– and a first step to the reform
of GP’s fees.
New Zealand First leader the Rt Hon Winston Peters says…
Look past the propaganda over NZ Super
A new phenomenon
has emerged. It’s called
bashing the baby
boomers.
There is a voice that seems to be
getting louder by the day which
says – the baby boomers had
the best of things and when they
retire they want the good times
to continue at the expense of the
taxpayer funding their retirement
Our public health
system is at risk
with NZ Super.
The doomsayers have been around
for a while. A few years ago Treasury
made some dire predictions and a lobby
group for the financial services and
pension funds industry, the Financial
Services Council, has been chipping
away on this issue for years.
It’s time people like Mr
Latta backed off bashing
the baby boomers and
started checking the
facts.
This group has a vested interest in
promoting private superannuation
schemes rather than the public provisions
of pensions as entitlement.
This month television presenter Nigel
Latta joined the bandwagon.
Latta sounded like a prophet of doom
as he rushed to the conclusion after
only a few minutes that New Zealand
is heading for a financial crisis funding
NZ Super.
It was all heavy stuff: Our ageing
population is growing; the birth rate is
declining, older people are living longer
– there will be smaller numbers of
taxpayers to pay for greater numbers of
retirees. A financial disaster of Greek
crisis proportions is looming.
The programme became a virtual
propaganda piece to embrace the socalled
only hope to avert a crisis - four
recommendations from Treasury.
The recommendations are to raise
the age of eligibility to 67, increase income
tax, increase GST or spend less on
health care.
Just lifting the age of eligibility
would still not be enough to avoid a
disaster, said Mr Latta, at least one of
the other options would also have to be
implemented.
The programme did not dig into
some of the financial realities.
It did not mention that at gross 4.3
Continued on page 47
NatioNal BeNefits
Negotiated by
Grey Power NZ federation inc.
The government has cut $1.7b from our world-class health
system. People are missing out on elective surgery for things
like cataracts, hip and knee replacements.
Labour believes that everyone should have access to the
healthcare they need.
Tell me what matters to you: Andrew.Little@parliament.govt.nz
Authorised by Andrew Little, Parliament Buildings, Wellington
The following organisations are of
benefit to Grey Power Federation
and the membership at large.
• ail insurance
• Duty free stores
• inter-island ferry
• Grey Power electricity
• Reduced to Clear
(discounted groceries)
• Challenge fuel
Further details can be
obtained from:
federation office
phone:
0800 473 979
email:
fed-office@xtra.co.nz
website:
www.greypower.co.nz
Little Greypower ad Aug16 121Wx180H.indd 1
23/08/16 4:22 PM

NATIONAL GREYPOWER MAGAZINE » SEPTEMBER 2016 47
Prime Minister John Key says…
Predator–free NZ the aim
If you’ve heard a tui in
song lately, you may have
been reminded of how
valuable our native birds
and wildlife are.
Along with tui, New Zealand is
home to many unique native
creatures and plants that are
central to our national identity –
from kiwi to kakako and kakapo
– and we must do more to protect
them.
That’s why the National-led Government
has adopted the goal of becoming
a Predator-Free New Zealand by 2050.
We want to rid every part of the country
of rats, stoats and possums.
We know this is ambitious – it’s
probably the most ambitious conservation
project attempted anywhere in the
world. But I believe if we all work together
as a country we can achieve it.
It will take the reach and leadership
of Government, the funding of philanthropists
and the energy of local communities.
It will also require significant
advances in science and technology.
Look past the propaganda
over NZ Super
From page 46
percent of GDP, the cost of New Zealand
superannuation is relatively low
by international standards. This compares
very well with an OECD average
of around 7 percent. Because NZ Superannuation
is taxable, its cost net of tax
is around 3.7 percent of GDP.
The programme did not mention that
the government suspended payments to
the NZ Superannuation Fund, or Cullen
Fund, against Treasury’s advice. This
fund was established to cushion payments
at the start of peak demand in
15 years’ time but National robbed it of
well over $17 billion in contributions
and lost profit on those contributions
that could have gone directly to build
the fund.
Had the post-2008 National Government
continued to pay contributions,
the Cullen Fund would now be worth
$47 billion.
And the programme steered clear of
investigating how a migrant can come
to New Zealand at the age of 55, live
here 10 years and contribute nothing
and qualify for a full pension. A total of
82,000 people have done so in the last
15 years.
It’s time people like Mr Latta backed
off bashing the baby boomers and started
checking the facts.
The Government will initially invest
$28 million over four years to establish
a joint venture company Predator Free
New Zealand to drive the programme
alongside the private sector.
This new company will be up and
running by early next year and be responsible
for identifying large, highvalue
predator control projects and attracting
co-investors to boost their scale
and success.
This new funding is on top of the $60
to $80 million already invested in pest
control by central government every
year and the millions more contributed
by local government and the private sector.
Already more than 7000 hectares of
New Zealand mainland and more than
150 offshore islands are completely free
of predators.
We want to show the
world what is possible
and reinforce New
Zealand’s reputation as a
leader in conservation.
Another one million hectares of
conservation land are under sustained
predator control. We want to go much
further.
We are proud of our kiwi and kākāpō,
our tui and our takahe. Unique to New
Zealand, they’ve evolved in a habitat
without mammals to prey upon them.
That’s why they’re so special.
But it’s also why they’re so vulnerable
to introduced predators. Rats,
stoats and possums kill around 25 million
of our native birds a year.
They also threaten our economy and
primary sector, with their total economic
cost estimated at around $3.3
billion a year.
This announcement has been welcomed
by many organisations, such as
WWF, Federated Farmers, and Forest
& Bird, and has also attracted positive
international media attention.
As a Government, we’re focused on
building a more productive and competitive
economy to help New Zealanders
and their families get ahead. But
I’m equally proud of our environmental
work.
Our track record speaks for itself.
This includes our decision to establish
the world’s largest fully protected
ocean sanctuary in the Kermadecs and
our efforts to improve the quality of our
fresh waterways.
We are the first Government to set
national water quality standards and
we have increased spending on fresh
water improvement ten-fold.
It’s important we continue to protect
our unique and awe-inspiring environment
for future generations and the
National-led Government is committed
to doing just that.
We want to show the world what is
possible and reinforce New Zealand’s
reputation as a leader in conservation.
Authorised by Winston Peters,
Authorised by Winston Peters,
Parliament Buildings, Wellington
Parliament Buildings, Wellington
NEW ZEALAND FIRST LEADER
WINSTON
PETERS
MP FOR NORTHLAND
Why is there a campagin to
corrode the SuperGold Card?
New Zealand First says hands
off the SuperGold Card.
We’re investing an extra $41 million
in the SuperGold card scheme over
the next four years.
RT HON JOHN KEY MP FOR HELENSVILLE | PRIME MINISTER
Contact
Parliament Office
Parliament Buildings
PO Box 18 888
Wellington 6061
Ph: 04 817 8370
winston.peters@parliament.govt.nz
www.nzfirst.org.nz
CONTACT
Parliament Buildings, Wellington 6160
PHONE: 04 817 9999
Funded by the Parliamentary Service and authorised by John Key
MP, Executive Wing, Parliament, Molesworth St, Wellington

48
NATIONAL GREYPOWER MAGAZINE » SEPTEMBER 2016
Association Contacts:
PO Box 272-1719, Papakura 2244
Ph 09-299 2113
Email: fed-office@xtra.co.nz
Ashburton Secretary & Contact: Natalie Blampied, PO Box 519, Ashburton 7740, Phone: 03 308 4002, Email: nataliemb@xtra.co.nz
Auckland President & Contact: Anne-Marie Coury, Mobile: 021 659 550, Email: pathwaystoinnovation@gmail.com. Secretary & Contact:
Mr Jens Meder, PO Box 44008, Point Chevalier, Auckland 1246, Phone: 09 846 2525, Email: meder@clear.net.nz.
Buller President & Contact: Mr Lawrence Smith, 22 Russell Street, Westport 7825, Phone: 03 789 6441, Email: trudwylie@xtra.co.nz
Cambridge President & Contact: Mrs Val Massey, Phone: 07 827 0273, Email: val.massey@vodafone.co.nz. Vice President: Mr Michael
Cole, Phone: 07 827 3620. Postal Address & Contact: The Secretary, PO Box 369, Cambridge 3450.
Central Hawkes Bay President & Contact: Mr Roger Newman, Phone: 06 985 4021, Email: bethrognewman@gmail.com
Secretary, Membership Secretary & Contact: Mrs Vaietu T Araipu, PO Box 255, Waipukurau 4242, Phone: 06 928 0618, Email: etu_wpk@
hotmail.com
Central Otago Secretary/Treasurer & Contact: Mrs Jacqueline Goyen, 32 Ventry Street, Alexandra 9320. Phone: 03 448 7043,
Email: j.goyen@clear.net.nz. Second Contact: Margaret Lorenz, Phone: 03 446 8733, Email: bmlorenz@xtra.co.nz
Christchurch President & Contact: Mr Ian Brownie, PO Box 31010, Ilam, Christchurch 8444. Phone: 03 942 6905, Fax: 03 942 6969,
Email: fayian@paradise.net.nz.
Coastal BOP & Dists President & Contact: Ruth Dekker, 392B Oceanbeach Road, Mt Maunganui 3116. Phone: 07 574 1845,
Email: ruth.Dekker1@gmail.com
Coromandel Membership Secretary/Treasurer & Contact: Dolly Welch, PO Box 91, Coromandel 3543, Phone: 07 866 8852,
Mobile: 021 120 6995, Email: the.welch@gmail.com
Counties Manukau President & Contact: Mr John Ballantyne, PO Box 75722, Manurewa, Auckland 2243, Phone: 09 266 7583,
Email: johnjoyball@xtra.co.nz. Membership Contact: Janice Williams, Phone: 09 298 6867, Email: grey.powermembership@outlook.com.
Dannevirke & Districts Membership Secretary & Contact: Mrs LA Haste, 26 Victoria Ave, Dannevirke 4930, Phone: 06 374 9984,
Email: aburlace1@xtra.co.nz.
Eastern Southland President & Contact: Olive Sinclair, Phone: 03 208 0830 Membership Secretary/Treasurer & Email Contact:
Douglas Dixey, Email: dixeyland@xtra.co.nz. Postal Address: PO Box 100, Gore 9740.
Far North President & Contact: Graham Dormer, PO Box 505, Kaitaia 0441, Phone: 09 408 3316.
Gisborne Contact: PO Box 1222, Gisborne 4040, Phone: 06 863 0531, Email: gisborne.greypower@hotmail.com.
Golden Bay President & Temporary Contact: Mr R Reid, 14 Sunbelt Crescent, Takaka 7110, Phone: 03 525 9242, Fax: 03 525 9246.
Greymouth President & Contact: Arthur Jamieson, PO Box 291, Greymouth 7840, Phone: 03 768 7325, Email: awjamieson@xtra.co.nz.
Hamilton President & Secretary, Office, Postal Address Contact: 9.30 – 12 pm Mon-Thurs, 30 Victoria St, Hamilton 3204, Phone: 07 834
0668, Email: hamgreypower@clear.net.nz, Email: greypowerhamilton.org.nz
Hastings & Districts President & Contact Hastings Havelock North: Marie Dunningham, PO Box 98, Hastings 4156, Phone: 06 877 8409,
Fax: 06 877 0409, Email: artful@clear.net.nz.
Hibiscus Coast Postal Address: PO Box 129,Orewa 0946. Membership Contact: Simonne Dyer, PO Box 129, Orewa 0946. Phone: 09 424
1315, Email: b.sdyer@xtra.co.nz
Hokitika Office, Postal Address & Contact: 1-4pm Mon to Fri, PO Box 233 Hokitika 7842. Phone: 03 755 7777, Email: hokigreypen@xtra.co.nz.
Horowhenua Vice President & Contact: Lew Rohloff, PO Box 328, Levin 5540, Phone: 06 368 3070, Email: lew.rohloff@xtra.co.nz
Secretary & Contact: Lynne McKenzie, Phone: 06 368 8069, Email: iandlmckenzie@xtra.co.nz Membership Contact: Dave Hardman,
Phone: 06 363 8020
Howick/Pakuranga Secretary & Contact: Sandy Feringa, PO Box 38281, Howick, Auckland 2145. Phone: 09 534 9409, Email:
sandyferinga@xtra.co.nz
Hutt City President & Contact: Barbara Branch, 25A Whanake Street, Titahi Bay, Porirua 5022, Phone: 04 236 8003, Mobile: 027 485 9101,
Email: brubarb1@clear.net.nz, Website: http://greypowerhuttvalley.org.nz/huttvalley Treasurer & Second Contact: Lisa Seerup, Phone: 022
618 9058, Email: wildmo@gmail.com
Kaipara Secretary & Contact: Mr Ken Cashin, 27 Seaview Road, RD 7, Dargaville 0377, Phone: 09 439 4452, Email: k.cashin@vodafone.co.nz.
Kapiti Coast Office & Contact:1st Floor, Coastlands, PO Box 479, Paraparaumu 5254. Phone: 04 902 5680, Email: kapitigreypower@
paradise.net.nz, Website: www.kapitigreypower.wellington.net.nz
Kawerau & Districts President & Contact: Alistair Holmes, PO Box 209, Kawerau 3169. Phone: 07 323 7817, Email: semi-retired@clear.
net.nz. Secretary & Email Contact: Alison Marshall, Email: ktown.gpr@gmail.com.
Kerikeri President & Contact: Geoff Waterhouse, PO Box 401, Kerikeri 0245, Phone: 09 402 7506, Email: searcher1068@yahoo.com
Mana Tawa Main Line & Contact: Gloria Hazelwood, PO Box 50034, Porirua 5240. Phone: 04 233 0162.
Manawatu Office, Postal Address & Contact: 309 Main Street, Palmerston North 4410, Phone: 06 357 1930, Email: greypowermanawatu@
xtra.co.nz. Secretary & contact: Mrs Sally Mayne, 2 Charisma Court, Kelvin Grove, Palmerston North 4414. Phone: 06 353 0835, Cell: 027
742 1925, Email: psmayne@vodafone.co.nz.
Marlborough President & Contact: Brian McNamara, Phone: 03 928 4479, Email: president@greypowermarlborough.co.nz. Office,
Secretary & Contact: Marlborough Community Cte, 19/25 Alfred St, Blenheim 7201. Phone: 03 578 4950, Fax: 03 578 4950, Email:
greypowermarl@xtra.co.nz, Website: www.greypowermarlborough.co.nz Postal Address: PO Box 875, Blenheim 7240.
Matamata Secretary & Contact: Thersia Hansen, 22 Peria Road, Matamata 3400, Phone: 07 888 9202, Email: thersia_hansen@yahoo.co.nz
Mercury Bay President & Contact: Merle Edwards, Phone: 07 867 1737, Email: merlee@xtra.co.nz. Postal Address: PO Box 226,
Whitianga 3542.
Morrinsville President & Contact: Mike Gribble, Phone: 07 889 5472, Email: mgribb@gmail.com. Secretary & Contact: Valerie Rodda, 20
Sain Crescent, Morrinsville 3300. Phone: 07 889 0974, Email: valeriemrodda@gmail.com
Motueka Office & Postal Contact: 9 am-12.30 pm, Tues-Thurs, Community House, Decks Reserve, PO Box 350, Motueka 7143. Phone: 03
528 9076, Fax: 03 528 9076, Email: greypowermot@gmail.com.
Napier & Districts President & Contact: Laurie Jenkin, Phone: 06 844 3734, Email: mizpah@waspnet.co.nz. Membership Secretary &
Contact: John Wuts, PO Box 4247, Marewa, Napier 4143. Phone: 06 844 4751, Email: wutsie@xtra.co.nz,
Website: www.napiergreypower.org
Nelson Office & Physical Address: 33 Putaitai Street, Stoke, Nelson, Phone: 03 547 2457, Fax: 03 547 2157, Email: nelsongreypower@xtra.
co.nz, Website: http://greypowernelson.org.nz. Postal Address: C/- President, PO Box 2190, Stoke, Nelson 7041.
New Plymouth Office, Postal Address & Contact: 21/117 Powderham Street, New Plymouth 4310, Phone: 06 757 5885, Fax: 06 757 5886,
Email: greypower1@clear.net.nz. Secretary & Contact: Mr Don Reeve, 10 Koromiko St, Inglewood 4310. Phone: 06 756 8388, Fax: 06 753
8388, Email: janddreeve@clear.net.nz.
North Canterbury President & Contact: Miles Jackson, 10B Franklin Drive, Logan Park, Rangiora 7400, Phone: 03 310 6563, Email:
miles1416@xnet.co.nz. Secretary & Contact: Mrs Jan Pentecost, Phone: 03 312 9331, Email: jan.pentecost@gmail.com. Membership
Contacts: Jim & Clare Addison, Phone: 03 313 4841, Email: clareandjim@xtra.co.nz.
North Otago President & Contact: Mr John Sim, Phone: 03 437 2765, Community House, 100 Thames Street, Oamaru 9400, Email:
nogreypower@yahoo.co.nz. Membership Secretary & Contact: Mrs Noelene Barnard, Phone: 03 437 1456
North Shore Acting Chair & Contact: Bill Rayner, Phone: 09 445 3370, Email: brayner@xtra.co.nz Postal Address: PO Box 32635, Devonport,
Auckland 0744 Membership Contact: Mr Des Stobbs, Phone: 09 445 7675, Email: des.stobbs@xtra.co.nz.
Opotiki Secretary & Contact: Mrs Joy Forbes, 52 Grants Road, Opotiki 3122. Phone: 07 315 5469.
Otago Office & Contact: 11am – 2 pm, Mon to Thurs. 211A King Edward St, South Dunedin, Phone: 03 456 1685, Email: gp.otago@yahoo.
co.nz, Fax: 03 456 1686. Postal Address: PO Box 2473, Dunedin 9044
Otaki (sub branch of Kapiti) Contact: Vacant
Otamatea President & Contact: Kathleen Pattinson, 25 Murdoch Street, Dargaville 0310, Phone: 09 283 2052, Email: Kath@Pattinson.co.nz
Paeroa President & Contact: Ken Carter, 47 Norwood Road, Paeroa 3600, Phone: 07 862 7271, Email: carterkb@xtra.co.nz, Secretary &
Contact: Gail Locke, Phone: 07 862 6256
Queenstown President & Contact: Mrs Lesley Jones, 79 Cedar Drive, Kelvin Heights, Queenstown 9300, Phone: 03 442 8826,
Email: lesleyandlawrencejones@gmail.com.
Rangitikei Treasurer & Contact postal address: Del Bettridge, PO Box 82, Marton 4710.
Rotorua Office, Postal Address & Contact: Tue-Fri,10am to 2pm, 1333 Eruera Street, PO Box 414, Rotorua 3040. Phone: 07 346 1739,
Email: greypower.rotorua@gmail.com.
Ruapehu (sub branch of Waitomo) President & Contact: Mr Alan Turton, 37 Falkner Park, Taumarunui 3920. Phone: 07 895 5385, Mob:
027 814 2279, Email: theateam33@xtra.co.nz.
Southland President & Contact: Mr Peter Kennett, Phone: 03 2176166, Mobile: 022 612 5504, Office & Contact: Hours: 9.30 am to 1pm.
122 Esk St, Invercargill, (Cnr Esk and Deveron St), Phone: 03 214 5008, Fax: 03 214 5009, Email: greypowersouth@xtra.co.nz, Facebook: http://
www.facebook.com/GreyPowerSouth
South Otago President & Contact: Mrs Joanne Blackie, 14B Barr Street, Balclutha 9230, Phone: 03 418 1777. Secretary & Contact: Mrs
Rowena Bunting, Phone: 03 418 1340, Email: rowenabunting@xtra.co.nz.
South Taranaki President & Contact: Alison Howie, Phone: 06 272 8029, Email: alioop42@clear.net.nz Secretary & Contact: Jenny Nager,
PO Box 167, Hawera 4640.
South Waikato Secretary & Contact: Heather Williamson, 158 Elizabeth Drive, Tokoroa 3420, Phone: 07 886 5658, Email: hwilli@xtra.co.nz.
Stratford Secretary & Contact: Gavin Belton, PO Box 50, Stratford 4352. Phone: 06 765 8286, Email: gavbelton@xtra.co.nz.
Taupo President & Contact: Mrs Eda Terry, Phone: 07 378 9592, Email: edaterry@xtra.co.nz. Postal Address: PO Box 862, Taupo 3351.
Tauranga & Western Bay of Plenty President & Contact: Jennifer Custins, Mob: 021 676 276, Email: jay.20@windowslive.com Vice
President & Contact: David Marshall, Mob: 022 185 4263, Email: dandj@bethany-bop.com Office & Contact: 10 am to 1 pm, Mon-Fri,
Historic Village, Seventeenth Avenue, Tauranga, Phone: 07 571 2558, Email: tgagreypower@gmail.com. Postal Address: PO Box 841,
Seventeenth Avenue, Tauranga 3140.
Te Aroha President & Contact: Mr Rod Gibson, Phone: 07 884 7414, Email: rodgibson49@hotmail.com. Postal Address: PO Box 39,
Te Aroha 3342.
Te Awamutu President & Contact: Hazel Barnes, Phone: 07 871 9661, Mobile: 027 357 0024, Email: edithhazelbarnes@gmail.com.
Secretary & Contact: Vacant Contact Address: PO Box 540, Te Awamutu 3840.
Temuka Secretary & Contact: Les Howard, 12 Grantlea Drive, Timaru 7910, Phone: 03 684 3212, Email: les_ann@xtra.co.nz.
Thames: Secretary & Contact: Carolyn Young, 303 Kauaeranga Valley Road, RD2, Thames 3577, Phone: 07 868 6353, Mobile: 0274 634
948, Email: barry.carolyn@xtra.co.nz. Membership Contact: Larraine Crowther, 105 Totara Close, Thames 3500, Phone: 07 561 4149, Email:
crowthers@orcon.net.nz.
Timaru President & Contact: Mrs Denise Fitzgerald, Phone: 03 688 3833, Email: denise_fitzgerald@xtra.co.nz Postal Address: PO Box 4060,
Highfield, Timaru 7942. Membership Contact: Mr Graeme Wood, Phone: 03 688 3833, Email: graeme.wood@xtra.co.nz
Upper Hutt President & Contact: Mr Donald MacNeill, Phone: 04 528 8323, Email: sevenof9@clear.net.nz Secretary & Contact: Mr Peter
Grove, Phone: 04 938 3505 Membership Contact: Sally Becker, Phone: 04 973 4247, Email: mpbecker@clear.net.nz. Postal Address: PO Box
40306, Upper Hutt 5140, Combined Hutt Valley Association’s Website: http://greypowerhuttvalley.org.nz/huttvalley
Waiheke & Gulf Islands President & Contact: Allen Davies, 422 Seaview Road, Onetangi, Waiheke Island 1081, Phone: 09 372 7481, Email:
allen.davies38@gmail.com. Secretary: Vacant
Waihi President & Contact: Merv Lauder, Phone: 07 863 9555, Email: mervl@slingshot.co.nz Secretary & Postal Contact: Elspeth Heaton, 9a
Athenree Road, RD 1, Katikati 3177. Phone: 07 863 5853, Email: greypowerwaihi@gmail.com.
Waimate President & Contact: Ann Wright, Phone: 03 689 7377, Email: mrswubbleyew@hotmail.com. Office, Postal Address & Contact: C/-
Resource Centre, Old Post Office, 75 Queens Street, Waimate 7924. Membership, Secretary & Contact: Mrs M Henshaw, Phone: 03 689 7539
Wainuiomata President & membership contact: Jane Chamberlain, 87B Main Road, Wainuiomata 5014, Phone: 04 971 9189, Mobile: 027
320 8879, Email: horatio@paradise.net.nz, Website: http://greypowerhuttvalley/huttvalley
Wairoa & District President & Contact: Les Hine, Phone: 06 838 6545, Email: greypower@outlook.co.nz Or leshine@xtra.co.nz. Secretary &
Contact: Shirley E Callaghan, PO Box 26, Wairoa 4160. Phone: 06 838 8770, Email: shirley.cally@gmail.com.
Waitakere Office & Contact: 9.30 am – 12 pm, 247 Edmonton Road, Te Atatu Sth Community Cte, Waitakere. Phone: 09 838 5207,
Fax: 09 838 5237, Email: waitakgp@xtra.co.nz. Postal Address: PO Box 83300, Edmonton, Waitakere 0652.
Waitomo President & Contact: Ngaire Grayson, Phone: 07 878 6938, Email: rknegrayson@clear.net.nz. Membership Contact: Mr Merv
Williamson, Phone: 07 878 6018, Email: mvw@clear.net.nz. Secretary, Contact & Postal Address: Brian Watson, 25 Ailsa Street, Te Kuiti 3910,
Phone: 07 878 5177, Email: bandmwatson@xtra.co.nz.
Wanganui Administration & Contact: Graham and Cynthia Adams, PO Box 4197, Wanganui 4541, Phone: 06 345 4559, Email: graham.
adams@xtra.co.nz.
Warkworth President & Contact: Anne Martin, Phone: 09 422 2370 Email: anneburn@clear.net.nz Postal Address: PO Box 351, Warkworth
0941 Membership Secretary: Les Greenwood, Phone: 09 425 8672, Mob: 021 425 877, Email: lesgreenwood44@gmail.com
Wellington Central Membership Contact: Ray Markham, PO Box 13755, Johnsonville, Wellington 6440. Phone 04 478 6091, Email:
rbmarkham@clear.net.nz.
Wellington South East Contact Address: PO Box 14051, Kilbirnie, Wellington 6241. Contact: Dot Doherty, Phone: 04 387 8208, Email:
dorothyad@xtra.co.nz.
Whakatane President & Contact: Mrs Betty Hudson, PO Box 830, Whakatane 3158. Phone: 07 308 5210, Email: whakatanegreypower@
gmail.com, Website: http://www.greypowerwhakatane.org.nz
Whangamata President & Contact: Mrs Jo Schneebeli, PO Box 223, Whangamata 3643. Phone: 07 865 9288, Email: joschneebeli@value.
net.nz. Secretary & Contact: Mrs Cushla Jarvis, Phone: 07 865 7111, Email: bruges@xtra.co.nz. Membership Contact: Maree Burt, Phone: 07
865 8924, Email: whangamatagreypower@gmail.com
Whangarei Contact: Gordon Bibb, Phone: 09 435 0262. Postal Address: PO Box 964, Whangarei 0140. Membership Contact: Lynette Fox,
Phone: 09 436 1822, Email: mms.fox@clear.net.nz.
OFFICIAL MEMBERSHIP FORM OF
Grey Power
NZ Federation Inc. ...and its affiliated associations listed above
PLEASE PRINT CLEARLY
New Member Address Change Renewal Membership No.
Association
Have you changed address?
First Names (Mr / Mrs / Miss / Ms)
Street
Suburb
City
Post Code
Occupation
Phone: (H)
(W)
Email
Amount Enclosed $
Includes donation of $
Please put a cross in this box if you do not want your details to be given for promotional and advertising material
Please complete & send to you local Association office listed above. Fees difffer from one Association to another
because they are autonomous and set their own. Where it is not listed, please call your local association.
OFFICE USE ONLY Date Ref No.
URGENT REMINDER
Please check to see when your membership expires!
NOTE: Please when changing your address details it is very
important to include your Post Code to ensure delivery of
your magazine.
ALSO: Nearly all the Associations have excellent discount
books available, covering a wide range of businesses.
Please ask for one.
When travelling take your above association list with you
so you can ask for the discount book in the town you are
visiting.

ADVOCACY NEWS
NATIONAL GREYPOWER MAGAZINE » SEPTEMBER 2016 49
From page 45
example, older people who experience a
major life-shock such as the death of a
partner, or their partner going into residential
care can be particularly vulnerable.
One possible response would be to
initiate a follow-up contact with an older
person at an appropriate time following
a significant life-shock. The purpose being
to identify unmet need and facilitate
access to support and services.
3. Making the most of opportunities to
improve services and support to older
people that are identified as part of the
revision of the Health of Older People
Strategy
The recent series of workshops with
stakeholders and meetings with older
people undertaken as part of the revision
of the Health of Older People Strategy
are informing the Future Service Delivery
Project. Factors such as housing, the
built environment, employment, income
security and social connectedness have a
significant impact on the health of older
people. Through the workshops, opportunities
have been identified for the
Ministry of Health, the Ministry of Social
Development and other agencies to
work more strongly together to address
gaps in support, improve outcomes and
reduce hospital admissions amongst
older people choosing to live at home.
There are also opportunities for agencies
to work more closely together in health
promotion and the prevention of illness
and injury to improve outcomes for older
people and reduce future demand on
the health system.
Medium-term approaches for more
collaborative services (2016 and beyond)
International experience shows that
more integrated service delivery is the
most effective and efficient strategy to
meet the needs of an ageing population.
In most OECD countries ageing is occurring
at a faster rate than in New Zealand,
so we can learn from the response of
other countries.
The Future Service Delivery Project
is considering international service delivery
initiatives in response to the ageing
population and their applicability to
New Zealand including:
• a single entry-point or gateway
• more joined-up assessment and decision
processes
• multi-disciplinary case management
or a lead case manager for older people
with complex needs
• using agency data to identify older people
who potentially have complex and
unmet needs
• opportunities to partner with NGOs,
BUY – SELL – SWAP
RENT – NOTIFY – BUY
Grey Power Lifestyle Quarterly now accepts classifieds advertisements. These advertisements are
for the exclusive use of members of Grey Power, excluding commercial business. Cheques payable
to: Waikato Business Publications, PO Box 1425, Waikato Mail Centre, Hamilton 3240.
FOR SALE
Golf Clubs, Trundler & Extras. Excellent condition. $250. Phone 07 8477541
Piano: Cottage Monington and Weston. Lovely tone. Very good condition. $800.00 Phone: 07 3489253
communities, private sector and older
people themselves in the design and delivery
of services and support.
A report on medium-term approaches
to be provided to the Minister for Seniors.
This report will provide an opportunity
for the Minister to engage with
her Ministerial colleagues on the delivery
of more integrated services for older
New Zealanders.
6. Current policy guidance on absences
from New Zealand, Superannuation, Accommodation
Allowance, and Temporary
Additional Support
Travelling for 26 weeks or less
You can go overseas on a holiday or
travel for 26 weeks or less and if you
already receive New Zealand Superannuation
or Veteran’s Pension, your payments
whilst you are overseas can continue
as normal. If you intend to travel
overseas for a short time, in most cases
you no longer need to tell us.
We do encourage you to tell us about
your travel plans if you or your partner:
• will be out of New Zealand for 28 days
(4 weeks) or more, or
• don’t know when you will return, or
• intend to have more than one overseas
trip within a 12-month period.
In these situations, we can give you
advice about:
• what effect your trip may have on your
payments
• avoiding an unexpected debt
• being left stranded overseas without
any money if things happen that delay
your return to New Zealand.
Source: http://www.workandincome.
govt.nz/individuals/how-we-can-helpyou/travelling-or-migrating/pensiongoing-overseas/travelling-26-weeks-orless.html
Ordinarily Resident in New Zealand
Ordinarily resident in New Zealand
means someone who is normally and
lawfully in New Zealand and intends to
stay here, someone that considers New
Zealand to be their home. In deciding if
someone is ordinarily resident we look
at:
• your intentions towards New Zealand
including your reasons for periods of absence
and return
• the length of time you spend in New
Zealand on a continual basis
• property and asset ownership. Do you
own a home or any other large assets in
New Zealand?
• the location of your cash assets: investments
and bank accounts
• whether your income is earned in New
Zealand or overseas
• whether you pay taxes in New Zealand
whether you still vote in or are still eligible
to vote in New Zealand general
elections
your commitment to New Zealand such
as involvement in the community, clubs
or other groups.
All of these factors are considered
in relation to each individual’s circumstances.
More information may be requested
or more questions asked in order
to be able to consider each of these
points.
Generally, if you leave New Zealand
for more than 26 weeks you may not be
considered ordinarily resident in New
Zealand. If you spend more time outside
of New Zealand than inside you are also
not considered to be ordinarily resident
in New Zealand.
Please note: a person cannot be ordinarily
resident in two places at the same
time.
Source: http://www.workandincome.
govt.nz/individuals/how-we-can-helpyou/travelling-or-migrating/residencyrequirements-for-new-zealand-benefitsand-pensions.html
Note that similar wording is also included
in the New Zealand Super application
form (question 16 on page 7)
- http://www.workandincome.govt.nz/
documents/forms/new-zealand-superannuation-application.pdf
7. Accommodation Supplement
Please see the following for information
around Accommodation entitlement
for NZ Superannuation when a
partner dies.
An Accommodation Supplement is a
non-taxable supplement that provides
assistance to a client to help with the
payment of their accommodation costs:
• Rent
• Board or
• Home ownership costs
Client can only claim one type of accommodation
cost at a time.
Rate of Accommodation Supplement
is outlined under s61EC of the SSA 64
(the Act).
S (3)(b) states;
(3) Notwithstanding anything to the
contrary in this Act, an accommodation
supplement shall not be paid to any person
who has cash assets exceeding-
(a) $16,200 in the case of-
I. a person who is married or in a
civil union or in a de facto relationship;
or
II. a single person who has a dependent
child or children:
(b) $8,100 in any other case
For more information on Accommodation
Supplement, you can find this on
our website;
http://www.workandincome.govt.nz/
individuals/a-z-benefits/accommodation-supplement.html
8. Review – death of a client
When a client is receiving a main benefit,
Accommodation Supplement stops
from the same date as the main benefit
as per s80BD of the Act.
http://www.legislation.govt.
nz/act/public/1964/0136/latest/
DLM364402.html?search=qs_act
%40bill%40regulation%40deeme
dreg_social+security+act+1964_
resel_25_h&p=1
S80BD (4)(a) states;
(4) If a person referred to subsection (3)
dies, the benefit ends 4 weeks following
the death if-
(a) The person leaves a spouse or
partner or a child
The continuation of payment beyond
the date of death is referred to as termi-
Grey Power
The active organisation for those 50+
Continued on page 51
The Grey Power Magazine is published quarterly by Waikato Business Publications
for the Grey Power New Zealand Federation Inc. It is the official publication for
the federation and its affiliated associations. Grey Power Magazine is mailed to all
financial members of Grey Power. Grey Power NZ Federation Inc is incorporated
under the Incorporated Societies Act 1908.
Subscription inquiries:
Grey Power Federation
P.O. Box 272 1719
Papakura 2244
Auckland
Phone: 09 299 2113
Email: fed-office@xtra.co.nz
The next issue of The Grey Power Magazine will be
published in November 2016. Deadlines are:
Editorial: Friday, October 28
Advertising: Wednesday, November 2
Delivery Address:
The Grey Power Magazine
12 Mill Street, Hamilton 3200
P.O. Box 1425, Waikato Mail Centre, Hamilton 3240
Phone: 07 838 1333 • Fax: 07 838 2807
Editor: Mike Blake
Email: mike@wbn.co.nz
Mobile: 0272 488 442
50310
Grey Power CLASSIFIED AD COUPON
Name: ......................................................................................................................................
Address: ..................................................................................................................................
.................................................................................................................................................
Category (For sale, wanted etc) ..............................................................................................
Month of issue: March ( ) June ( ) Sept ( ) Nov ( )
Advertisement: ........................................................................................................................
.................................................................................................................................................
.................................................................................................................................................
.................................................................................................................................................
Cheque attached ($1 per word): $ ...........................................................................................
Production Manager: Tania Hogg
Email: tania@wbn.co.nz
Phone: 07 838 1333
Advertising inquiries:
Debbie Jamieson
Email: Debbie@wbn.co.nz
Phone: 07 838 1333 • Mobile: 027 229 0202
DISCLAIMER: The information contained in this publication is published in good faith and has been
derived from sources believed to be reliable and accurate. However, neither the Grey Power New
Zealand Federation Inc. nor any person involved in the preparation of this publication accepts any
form of liability whatsoever for its contents, including editorials, advertisements, opinions, advice
or information, or for any consequences for its use. Grey Power New Zealand Federation Inc is a
non-political organisation with no affiliation to any political party or political group. ISSN 1173-2415

50
NATIONAL GREYPOWER MAGAZINE » SEPTEMBER 2016

NATIONAL GREYPOWER MAGAZINE » SEPTEMBER 2016 51
nal benefit. Where the benefit is being
paid to a couple, both the deceased client’s
and the surviving partner’s portion
of the benefit plus any Extra Help such
as Accommodation Supplement may
continue for 28 days. More information
can be found at:
http://www.workandincome.govt.
nz/map/income-support/extra-help/
accommodation-supplement/changesand-reviews-accommodation-supplement/death-of-a-client-01.html
When a married, civil union or de
facto client dies then, we need to review
the surviving partner’s Accommodation
Supplement to ensure they still meet the
qualifications set out in s 61EC of the Act
and are receiving the correct rate of payment
set out in Accommodation supplement
Schedule 18, clause 4 of the Act.
http://www.legislation.govt.
nz/act/public/1964/0136/latest/
DLM366918.html?search=qs_act
%40bill%40regulation%40deeme
dreg_social+security+act+1964_
resel_25_h&p=1
Extra Help
There is also other extra financial assistance
available such as Temporary
Additional Support. This is a non-taxable
supplementary that can be paid for
a maximum of 13 weeks to help someone
who can’t meet their essential living
costs from what they earn or from other
sources.
More information can be found at:
http://www.workandincome.govt.
nz/individuals/a-z-benefits/temporaryadditional-support.html
7. Update on the work of the Office
for Seniors
The Office for Seniors has a new title
with the word ‘citizens’ dropped from
the title. This reflects the Ministers portfolio
title as Minister for Seniors. The
change was to modernise and ensure
consistency alongside other portfolios.
The priority areas remain consistent,
with a particular focus on addressing
social isolation (supporting respect and
participation), age friendly communities
and community connects. There
is additional work on preventing elder
abuse, promoting enduring power of attorney,
workforce ageing and the broader
opportunities and challenges of an
ageing population.
The Office promoted World Elder
Abuse Awareness Day on 15 June and
will have resources available to share.
These can be accessed by contacting the
Office and will be promoted through the
website, newsletter and Facebook.
The SuperSeniors website, newsletter
and social media continue to build
their audience. We are always looking
for ways to reach out to seniors in a way
that is interesting and engaging, but we
also aim to provide resources in hard
copy format when required.
Age Friendly Communities and Community
Connects continue to make
progress. There were two recent Fora,
one in Auckland and one in New Plymouth.
Hamilton and Kapiti are also
continuing to promote discussion and
engagement and put an action plan together.
The SuperSeniors website has a
number of articles on the topic, including
interviews with a visiting international
expert. The Office will continue to
work with Grey Power on ways to build a
network of age-friendly communities in
New Zealand.
Outstanding advocates for an agefriendly
society will become Super-
Seniors Champions under a new programme
launched by Seniors Minister
Maggie Barry.
The aim of the programme is to have
seniors talking about issues that matter
to seniors. Champions will be inspirational
role models who embody the
idea of positive ageing. They will raise
awareness of our ageing population,
how we can make our towns and cities
better places to be old, and advocate for
the voices of seniors to be heard in their
communities.”
The first Champion was announced
as Lance Girling-Butcher from Taranaki.
Note in the intervening period
two additional Champions have been
named. Commonwealth Games weightlifting
gold medallist Precious McKenzie
and renowned actress Dame Kate Harcourt
have accepted the role to promote
positive ageing and raise awareness of
senior’s issues.
The Office remains keen to hear suggestions
of areas of interest and how we
can best share information, and offered
their appreciation for the constructive
relationship that exists.
NB The information as presented
above was written by MSD with some
minor alterations by Grey Power advocacy
standing committee co-chairs
REPORT OF COURTESY MEETING HELD
ON AUGUST 11TH 2016:
The Grey Power Federation Executive
Committee of Tom O’Connor (President),
Mac Welch (Vice-President),
Jan Pentecost (Secretary)and Roy Reid
(Treasurer)attended in Wellington:
The following topics were discussed
-
• Aged Care report 2010– meeting
held with Hon Annette King
(Labour Health spokesperson)
and Kevin Hague (Greens Health
spokesperson)
Both spokespeople requested that
Grey Power work with them to up-date
this report – i.e. to check on the status
of its recommendations
Action
Because Grey Power assisted Labour
and the Greens with the original report
it has undertaken to work with them on
an up-date.
• Medicinal cannabis
Both Labour and Greens were supportive
of legalising cannabis extracts
for medical use under prescription by
health professionals. Both were equally
opposed to legalising recreational use –
the problem is availability and lack of
subsidisation
• Health Insurance
Greens and Labour both agreed that
there was merit in the concept of a form
of subsidy for people paying health insurance
and were supportive of setting
up an official working party to investigate
the concept but not before they
were in Government and they would
want evidence of positive cost/benefit
before a subsidy system could be considered.
Action
Grey Power could approach Govt. to
set up working party
Grey Power needs to provide a workable
policy re subsidisation etc. for
those with health insurance
• Closure of small rest-homes – this issue is
to be further discussed
• Euthanasia – Hon Annette King said
there was support for an investigation
into legalising euthanasia. However
Grey Power do not have a policy on the
subject, therefore were not able to engage
in the discussion to any degree.
• Section 70 – Social Security Act (1964) –
Direct Deduction of New Zealand Superannuation
- meeting with Lynne Cousins &
Alex McKenzie (MSD)
Under S70 of the Social Welfare Act
all New Zealand benefits and national
superannuation are reduced by the value
of an overseas, state funded, pension.
Where national superannuation is
paid to a couple their joint incomes
from other, offshore, state funded pensions
are calculated as a single unit.
That means the off shore pension of one
spouse will affect the national superannuation
of the other. They accepted, that
in the case of a high value offshore pension
collected by one spouse this could
in fact completely eliminate the New
Zealand superannuation of the other.
A number of reviews and investigations
over many years had failed to address
that situation.
Statistics of receipt of pension by
those in this category is small – Grey
Power was provided with this evidence
Action
L. Cousins & Alex McKenzie offered
to set up meetings between the Grey
Power Federation lobby team and relevant
MSD people to discuss latest research
as well as WINZ office closures
and any other issues which affect members
They will draft an article for the Grey
Power magazine re S 70
Grey Power president to provide a
press release re visit to MSD for vetting
before release
• SuperGold card off-peak travel concession
- Meeting with Green’s Dr Kennedy
Graham, David Clendon and Greens Chief
of Staff, Deborah Morris-Travers.
The Greens were interested in Grey
Power’s position on this issue.
General discussion occurred with
Grey Power and the Greens providing
points of view – some personal – Grey
Power explained its policy
Action
Greens undertook to look at the cost
to make the SuperGold card a smartcard
– e.g. universal off-peak travel and
a photo for ID.
• Meeting between Hon Simon Bridges
(Minister of Transport & Hon M. Barry,
Minister of Senior Citizens) and P. Matcham
& Tom O’Connor
Issue: Free off peak travel for Super-
Gold card holders.
Apart from a repeated assurance
that the basic or core entitlement of
the scheme would remain unaltered
Mr Bridges was unable to offer any solution
to the Auckland Transport situation
which requires SuperGold card
holders to buy one of their HOP cards.
He admitted that in fact “the horse had
bolted” in the Auckland Transport cases
and he doubted if he had the authority to
change the situation and clearly lacked
the will to try.
Both ministers said it would be very
unlikely for a regional council to abandon
the scheme if bulk funding to $28million
for the next five years required them to
fund the balance. Maggie Barry said she
would “come down like ton of bricks” on
any who tried.
In the long term turning the Super-
Gold card into a fully integrated smart
card with all transport companies using
compatible technology would be the best
option but they did not know when that
would be technically or financially possible.
There was nothing new offered or
suggested.
NB: for any enquiries regarding this
report please contact the Grey Power
Federation Co-chairs:
Jan Pentecost – phone 03 312 9331 or email
jan.pentecost@gmail.com
Or
Tom O’Connor – phone 03 612 6755, mobile
027 5075773 or email thOmas@xtra.co.nz
ADVOCACY NEWS
From page 49
Medium Sudoku Puzzles 3
www.printablesudoku99.com
Sudoku Puzzle 1 Solution
Sudoku Puzzle 2 Solution
4 2 6 1 7 9 3 8 5 1 7 2 8 6 5 9 4 3
3 9 5 4 2 8 1 6 7 5 9 4 7 1 3 8 6 2
8 1 7 3 5 6 2 4 9 8 3 6 9 4 2 5 7 1
9 7 3 2 8 5 6 1 4 7 2 8 3 9 1 4 5 6
2 5 8 6 1 4 9 7 3 4 1 9 5 7 6 3 2 8
6 4 1 7 9 3 8 5 2 6 5 3 2 8 4 7 1 9
5 6 4 9 3 1 7 2 8 3 8 1 4 2 7 6 9 5
7 8 9 5 6 2 4 3 1 9 6 7 1 5 8 2 3 4
1 3 2 8 4 7 5 9 6 2 4 5 6 3 9 1 8 7
Sudoku Puzzle 3 Solution
Sudoku Puzzle 4 Solution
7 6 8 4 1 3 5 9 2 7 3 6 9 2 5 1 4 8
5 9 1 7 2 8 3 4 6 9 8 4 1 7 6 5 3 2
2 3 4 5 6 9 1 7 8 2 5 1 3 8 4 6 7 9
8 1 2 9 4 5 7 6 3 3 6 2 8 5 1 4 9 7
6 7 3 2 8 1 9 5 4 5 1 7 2 4 9 8 6 3
9 4 5 6 3 7 2 8 1 8 4 9 7 6 3 2 5 1
3 8 9 1 7 4 6 2 5 1 7 5 6 3 2 9 8 4
1 5 6 8 9 2 4 3 7 6 9 8 4 1 7 3 2 5
4 2 7 3 5 6 8 1 9 4 2 3 5 9 8 7 1 6
Sudoku Puzzle 5 Solution
Sudoku Puzzle 6 Solution
3 4 1 7 5 8 9 6 2 4 6 1 2 3 5 7 8 9
2 9 5 3 4 6 7 1 8 3 5 8 7 9 1 6 4 2
7 8 6 1 9 2 3 4 5 2 9 7 6 8 4 1 5 3
9 1 8 6 2 5 4 3 7 6 2 4 1 5 9 3 7 8
6 3 4 9 8 7 2 5 1 8 7 5 3 4 2 9 1 6
5 7 2 4 3 1 8 9 6 1 3 9 8 7 6 4 2 5
8 6 3 2 1 9 5 7 4 5 4 3 9 2 7 8 6 1
4 5 7 8 6 3 1 2 9 9 1 2 4 6 8 5 3 7
1 2 9 5 7 4 6 8 3 7 8 6 5 1 3 2 9 4
Sudoku Puzzle 7 Solution
Sudoku Puzzle 8 Solution
4 2 7 3 5 1 9 6 8 4 1 5 2 9 7 6 8 3
Grey Power CodeWord No. 5 (September 16)
by PMH
Each number in the grid represents a letter of the alphabet. Three letters have
already been given. Start by filling in these ones, and build the words in the grid
from there. When you have completed the grid, you will be able to solve the
coded message.
LETTER VALUES
CODED MESSAGE
Solution
LETTER VALUES
© Pam Hutton 2016
CODED MESSAGE
I
D
B
T U L I P M F N S H
R A G O W D E C Y B
F L Y O N
T H E W A L L
T U L I P U F F I N S
H I R A A G O
W I T H O U T D R U I D
A H M E A A
R O E P H E A S A N T S
T T M A
S W I G S C C Y S T S
M E A P
W O B B L I E S T B O O
E I A F R N
D E B I T A B I D I N G
G E E N S B E
E L D E R L Y H E E L S
M
1 2 3 4 5 2 7 7 4 8 9
10 4 11 12 12 13 14
15 4 1 10 14 2 1 16 11 2 4 16
12 10 6 17 12 12
11 14 17 5 10 17 12 9 12 8 1 9
1 1 6 12
9 15 4 13 9 18 18 19 9 1 9
6 17 12 5
15 14 20 20 3 4 17 9 1 20 14 14
17 4 12 7 11 8
16 17 20 4 1 12 20 4 16 4 8 13
13 17 17 8 9 20 17
17 3 16 17 11 3 19 10 17 17 3 9
1 2 3 4 5 6 7 8 9 10
11 12 13 14 15 16 17 18 19 20
7 3 19 14 8 1 10 17 15 12 3 3
6
1 2 3 4 5 6 7 8 9 10
11 12 13 14 15 16 17 18 19 20
7 3 19 14 8
1 10 17 15 12 3 3
© Pam Hutton 2016 | www.puzzlebeetle.co.nz
Grey Power CodeWord No. 5 (September 16)
by PMH
Each number in the grid represents a letter of the alphabet. Three letters have
already been given. Start by filling in these ones, and build the words in the grid
from there. When you have completed the grid, you will be able to solve the
coded message.
LETTER VALUES
CODED MESSAGE
Solution
LETTER VALUES
CODED MESSAGE
I
D
B
T U L I P M F N S H
R A G O W D E C Y B
F L Y O N
T H E W A L L
T U L I P U F F I N S
H I R A A G O
W I T H O U T D R U I D
A H M E A A
R O E P H E A S A N T S
T T M A
S W I G S C C Y S T S
M E A P
W O B B L I E S T B O O
E I A F R N
D E B I T A B I D I N G
G E E N S B E
E L D E R L Y H E E L S
M
1 2 3 4 5 2 7 7 4 8 9
10 4 11 12 12 13 14
15 4 1 10 14 2 1 16 11 2 4 16
12 10 6 17 12 12
11 14 17 5 10 17 12 9 12 8 1 9
1 1 6 12
9 15 4 13 9 18 18 19 9 1 9
6 17 12 5
15 14 20 20 3 4 17 9 1 20 14 14
17 4 12 7 11 8
16 17 20 4 1 12 20 4 16 4 8 13
13 17 17 8 9 20 17
17 3 16 17 11 3 19 10 17 17 3 9
1 2 3 4 5 6 7 8 9 10
11 12 13 14 15 16 17 18 19 20
7 3 19 14 8 1 10 17 15 12 3 3
6
1 2 3 4 5 6 7 8 9 10
11 12 13 14 15 16 17 18 19 20
7 3 19 14 8
1 10 17 15 12 3 3
© Pam Hutton 2016 | www.puzzlebeetle.co.nz
Grey Power CodeWord No. 5 (September 16)
by PMH
Each number in the grid represents a letter of the alphabet. Three letters have
already been given. Start by filling in these ones, and build the words in the grid
from there. When you have completed the grid, you will be able to solve the
coded message.
LETTER VALUES
CODED MESSAGE
Solution
LETTER VALUES
CODED MESSAGE
I
D
B
T U L I P M F N S H
R A G O W D E C Y B
F L Y O N
T H E W A L L
T U L I P U F F I N S
H I R A A G O
W I T H O U T D R U I D
A H M E A A
R O E P H E A S A N T S
T T M A
S W I G S C C Y S T S
M E A P
W O B B L I E S T B O O
E I A F R N
D E B I T A B I D I N G
G E E N S B E
M
1 2 3 4 5 2 7 7 4 8 9
10 4 11 12 12 13 14
15 4 1 10 14 2 1 16 11 2 4 16
12 10 6 17 12 12
11 14 17 5 10 17 12 9 12 8 1 9
1 1 6 12
9 15 4 13 9 18 18 19 9 1 9
6 17 12 5
15 14 20 20 3 4 17 9 1 20 14 14
17 4 12 7 11 8
16 17 20 4 1 12 20 4 16 4 8 13
13 17 17 8 9 20 17
17 3 16 17 11 3 19 10 17 17 3 9
1 2 3 4 5 6 7 8 9 10
11 12 13 14 15 16 17 18 19 20
7 3 19 14 8 1 10 17 15 12 3 3
6
1 2 3 4 5 6 7 8 9 10
11 12 13 14 15 16 17 18 19 20
7 3 19 14 8
1 10 17 15 12 3 3
© Pam Hutton 2016 | www.puzzlebeetle.co.nz
r 16)
by PMH
Solution: Grey Power Crossword No. 5
Word to the Wise: Cynosure
te the crossword. Then rearrange
ers in the shaded squares to spell
Word to the Wise indicated below
.
A C C O S T S L I P U P
F U O C I A O
F A R R A G O A N N U L
R I N N N A L
O V O I D N U A N C E S
N S O E
T E C T O N I C P L A T E
A S E S
F I N C H E S R E L I C
A D A E U A H
C R O O N
U P S U R G E
T U D R E V W
S T R A Y S
A S S A Y S
Word to the Wise: Cynosure
From page 32
Grey Power CodeWord No. 2 (December 15)
by PMH
Each number in the grid represents a letter of the alphabet. Three letters have
already been given. Start by filling in these ones, and build the words in the grid
from there. When you have completed the grid, you will be able to solve the
coded message.
LETTER VALUES
CODED MESSAGE
Solution
LETTER VALUES
CODED MESSAGE
P H A S E D F L O C K S
Y L A S O H I
T H O U G H T C L I N G
H O E U U M N
O F F R E M E M B E R S
N L P R
S P R A Y S E S S A Y S
A R H L
D E M O C R A C Y B Y E
R P A D S I N
A L A R M A T T U N E D
N R E R E G E
P H A S E D F L O C
K Y I T U G N M R B
O N C L O U D
N I N E
A
M
R
1 2 3 4 5 6 7 8 9 10 11 4
12 8 3 4 9 2 13
14 2 9 15 16 2 14 10 8 13 17 16
2 9 5 15 15 18 17
9 7 7 19 5 18 5 18 20 5 19 4
17 8 1 19
4 1 19 3 12 4 5 4 4 3 12 4
3 19 2 8
6 5 18 9 10 19 3 10 12 20 12 5
19 1 3 6 4 13 17
3 8 3 19 18 3 14 14 15 17 5 6
17 19 5 19 5 16 5
11 5 14 14 8 5 3 19 18 9 15 19
9 17 10 8 9 15 6 17 13 17 5
1 2 3 4 5 6 7 8 9 10
11 12 13 14 15 16 17 18 19 20
9 17 10 8 9 15 6
17 13 17 5
1 2 3 4 5 6 7 8 9 10
11 12 13 14 15 16 17 18 19 20
© Pam Hutton 2015 | www.puzzlebeetle.co.nz
Grey Power CodeWord No. 5 (September 16)
by PMH
Each number in the grid represents a letter of the alphabet. Three letters have
already been given. Start by filling in these ones, and build the words in the grid
from there. When you have completed the grid, you will be able to solve the
coded message.
LETTER VALUES
CODED MESSAGE
Solution
LETTER VALUES
CODED MESSAGE
I
D
B
T U L I P M F N S H
R A G O W D E C Y B
F L Y O N
T H E W A L L
T U L I P U F F I N S
H I R A A G O
W I T H O U T D R U I D
A H M E A A
R O E P H E A S A N T S
T T M A
S W I G S C C Y S T S
M E A P
W O B B L I E S T B O O
E I A F R N
D E B I T A B I D I N G
G E E N S B E
E L D E R L Y H E E L S
M
1 2 3 4 5 2 7 7 4 8 9
10 4 11 12 12 13 14
15 4 1 10 14 2 1 16 11 2 4 16
12 10 6 17 12 12
11 14 17 5 10 17 12 9 12 8 1 9
1 1 6 12
9 15 4 13 9 18 18 19 9 1 9
6 17 12 5
15 14 20 20 3 4 17 9 1 20 14 14
17 4 12 7 11 8
16 17 20 4 1 12 20 4 16 4 8 13
13 17 17 8 9 20 17
17 3 16 17 11 3 19 10 17 17 3 9
1 2 3 4 5 6 7 8 9 10
11 12 13 14 15 16 17 18 19 20
7 3 19 14 8 1 10 17 15 12 3 3
6
1 2 3 4 5 6 7 8 9 10
11 12 13 14 15 16 17 18 19 20
7 3 19 14 8
1 10 17 15 12 3 3
© Pam Hutton 2016 | www.puzzlebeetle.co.nz
Grey Power CodeWord No. 5 (September 16)
by PMH
Each number in the grid represents a letter of the alphabet. Three letters have
already been given. Start by filling in these ones, and build the words in the grid
from there. When you have completed the grid, you will be able to solve the
coded message.
LETTER VALUES
CODED MESSAGE
Solution
LETTER VALUES
© Pam Hutton 2016
CODED MESSAGE
I
D
B
T U L I P M F N S H
R A G O W D E C Y B
F L Y O N
T H E W A L L
T U L I P U F F I N S
H I R A A G O
W I T H O U T D R U I D
A H M E A A
R O E P H E A S A N T S
T T M A
S W I G S C C Y S T S
M E A P
W O B B L I E S T B O O
E I A F R N
D E B I T A B I D I N G
G E E N S B E
E L D E R L Y H E E L S
M
1 2 3 4 5 2 7 7 4 8 9
10 4 11 12 12 13 14
15 4 1 10 14 2 1 16 11 2 4 16
12 10 6 17 12 12
11 14 17 5 10 17 12 9 12 8 1 9
1 1 6 12
9 15 4 13 9 18 18 19 9 1 9
6 17 12 5
15 14 20 20 3 4 17 9 1 20 14 14
17 4 12 7 11 8
16 17 20 4 1 12 20 4 16 4 8 13
13 17 17 8 9 20 17
17 3 16 17 11 3 19 10 17 17 3 9
1 2 3 4 5 6 7 8 9 10
11 12 13 14 15 16 17 18 19 20
7 3 19 14 8 1 10 17 15 12 3 3
6
1 2 3 4 5 6 7 8 9 10
11 12 13 14 15 16 17 18 19 20
7 3 19 14 8
1 10 17 15 12 3 3
© Pam Hutton 2016 | www.puzzlebeetle.co.nz
Grey Power CodeWord No. 5 (September 16)
by PMH
Each number in the grid represents a letter of the alphabet. Three letters have
already been given. Start by filling in these ones, and build the words in the grid
from there. When you have completed the grid, you will be able to solve the
coded message.
LETTER VALUES
CODED MESSAGE
Solution
LETTER VALUES
© Pam Hutton 2016
CODED MESSAGE
I
D
B
T U L I P M F N S H
R A G O W D E C Y B
F L Y O N
T H E W A L L
T U L I P U F F I N S
H I R A A G O
W I T H O U T D R U I D
A H M E A A
R O E P H E A S A N T S
T T M A
S W I G S C C Y S T S
M E A P
W O B B L I E S T B O O
E I A F R N
D E B I T A B I D I N G
G E E N S B E
E L D E R L Y H E E L S
M
1 2 3 4 5 2 7 7 4 8 9
10 4 11 12 12 13 14
15 4 1 10 14 2 1 16 11 2 4 16
12 10 6 17 12 12
11 14 17 5 10 17 12 9 12 8 1 9
1 1 6 12
9 15 4 13 9 18 18 19 9 1 9
6 17 12 5
15 14 20 20 3 4 17 9 1 20 14 14
17 4 12 7 11 8
16 17 20 4 1 12 20 4 16 4 8 13
13 17 17 8 9 20 17
17 3 16 17 11 3 19 10 17 17 3 9
1 2 3 4 5 6 7 8 9 10
11 12 13 14 15 16 17 18 19 20
7 3 19 14 8 1 10 17 15 12 3 3
6
1 2 3 4 5 6 7 8 9 10
11 12 13 14 15 16 17 18 19 20
7 3 19 14 8
1 10 17 15 12 3 3
© Pam Hutton 2016 | www.puzzlebeetle.co.nz

52
NATIONAL GREYPOWER MAGAZINE » SEPTEMBER 2016
Fancy a trip to Tasmania? Enjoy yours. Join ‘Tour
with Bob Tours NZ” (February 20 to March 4, 2017)
50210
50062
TOUR WITH BOB
Small group relaxed holidays
designed for mature folk
TASMANIA
February 20th to March 5th 2017
14 days/13 nights $4,225 p.p. all inc.
Many features & best value Tassie
tour. Includes 4 nights Hobart, 3 in
Launceston. Places, sights
and attractions such as:
Stanley, Richmond, Ross, Oatlands.
Port Arthur, Gordon River Cruise,
Bonorong Sanctuary, The Wall,
Tahune Forest Air Walk
‘Value for money and quality assured’
Group limited to 13/14 people
Door to door ex AKL & CHC
For more information & full itinerary
contact Bob Crowley
P 03 579 6223
E boblois@clear.net.nz
Leisurely, friendly small group holidays
for senior travellers.
Small air conditioned coach
Door to door ex Auckland
(other locations by arrangement)
All inclusive cost
Personally escorted by Sherry & Chris
2016/17 TOURS
Limited spaces available
Taranaki in the ‘Rhodo’ season
6-10 Nov $1250
Top of the South
3-11 Dec $2890
Top of the South
22-30 Jan $2890
Around Coromandel
19-24 Feb $1550
For more information and full itineraries
Call free 0508 482 269
Email tours4matures@clear.net.nz
www.tours4matures.com
Almost every traveller wishes a tour to be
a golden opportunity to learn not only
about a country’s culture & history but
also to experience the delights of the local
food & wine while enjoying comfortable
transportation & other amenities to ensure
a completely stress-free holiday. This is
particularly true when you choose to use
Leisure Time Tours for your next holiday
whether it be around New Zealand or
across the world.
Contact us today for more information
0800 365 630
info@lttnz.co.nz
www.leisuretimetours.co.nz
Lonely Planet has named
Hobart as one of the world’s
top 10 cities to visit and
voted Tasmania as number
four in the top 10 regions to
visit.
Bob says he totally agrees with
their view. “Hobart is such a delightful
place, dominated by water,
with wonderful buildings, bridges,
museums, parks, shops, galleries
and a delightful waterfront.”
“The list goes on and on,” said Bob. “And
then there is the history. Tasmania itself is
a fascinating island, with great scenery of
course but also lovely villages and towns
where older buildings have been maintained
and treasured.
There are swathes of national parks, forests
and wilderness areas interspersed with
productive rural countryside, rivers, lakes
and mountains.
Some people say “it’s just like New Zealand”.
However, Bob suggests some areas and
fauna may be similar, and just like here the
people are friendly, there is a lot of dairy
farming and the fishing is good, but really
2016 Tours
Springtime in the Wairarapa - September
Wellington Wearable Arts - September
Lake Waikaremoana and Gentle Annie -
October - SOLD OUT
Tasmania - October
Marvellous Marlborough - October
Taranaki Garden Festival - November
Norfolk Island - November
Forgotten World - November - SOLD OUT
Christmas & New Year Tours - December
Waitangi Weekend - February 2017
Art Deco Weekend - February 2017
Kapiti Island - March 2017
Nelson & Farewell Spit - March 2017
South Island Autumn Tour - April 2017
New Look Bora Bora: the Pearl of
the Pacific Gets a Fresh Polish
The Pearl of the Pacific will soon be
more polished than ever, with several
hotel updates giving Tahiti’s famed island
of Bora Bora a stylish new look
and feel.
A new hotel player will soon join the
exclusive list of properties that call Bora
Bora home, as Conrad Hotels & Resorts
prepares to take over the franchise for the
Hilton Bora Bora Nui Resort & Spa.
The property will undergo a multimillion
dollar refurbishment before reopening
as the stunning Conrad Bora Bora
Nui in early 2017 – the first Conrad hotel
in Tahiti.
Located on Motu To’opua, an islet off
the coast of Bora Bora, Conrad Bora Bora
Nui will offer 29 tropical garden and beach
villas and 86 overwater bungalows, including
the destination’s only double-storey
Presidential Suites.
The resort will also feature a full-service
spa, a kids club, mini-golf course, fitness
centre and dining options including a modern
take on a French Brasserie, a specialty
beach restaurant serving Polynesian and
Mediterranean cuisines, a contemporary
Chinese restaurant, a swim-up pool bar
and an overwater sunset bar and lounge.
The Intercontinental Bora Bora Resort
& Thalasso Spa, operated by Pacific Beachcomber,
is also set to undertake renovations,
constructing four new two-bedroom
overwater villas with private pools.
Scheduled to begin in September and
last for approximately 10 months, the work
will also include the addition of swimming
pools to 10 overwater villas in the south
branch of the resort, as well as a general refresh
of all villas.
Meanwhile, Le Meridien Bora Bora has
just completed a refurbishment with a focus
on refreshing its bungalows and food
and beverage outlets, including a revamp
of its picturesque Miki Miki and Pool bars.
The lagoonside hotel has also launched
a new bar, the Happaina Wine Bar, which
is the ultimate location for a sundowner.
Happaina, which means glass in Tahitian,
offers a range of wines by the bottle or
glass, as well as a new tapas menu.
Tahiti Tourisme Director Australia
New Zealand Robert Thompson said while
Bora Bora would always be one of the most
sought after places to visit, these changes
would make it even more appealing to holidaymakers.
“With unrivalled natural beauty, sophisticated
luxury and one of the world’s most
beautiful blue lagoons, Bora Bora has timeless
appeal. It’s hard to believe that Bora
Bora can get better, but with these new look
properties the Pearl of the Pacific is set to
take on a striking new sheen,” Mr Thompson
said.
Follow Tahiti Tourisme on Twitter, Instagram
and Facebook or visit www.tahiti-tourisme.
co.nz
the only other similarity is that the scenery
is dramatic and changes around every corner.
However in reality it is uniquely Tasmania.
Bob has escorted many tours to Tasmania
and considers himself to be knowledgeable,
experienced and reliable.
He is away there again on February 20
with a tour group that will be limited to
12/14 people.
Inclusions: home pick up (Auckland/
Christchurch) return flights to Hobart via
Melbourne from Auckland/Christchurch,
evening meals and breakfasts and
several attractions including Port Arthur,
full day Gordon River cruise, Tahune Air
Walk and of course much more.
He emphasises that it is a holiday. No
one-night stops and well-planned easy
daytime touring in a comfortable medium
sized tour coach.
Phone the man himself, Bob Crowley, for more
information on 03 579 6223 or email boblois@
clear.net.nz
ESCORTED TOURS 2016/17
"Complete hassle-free travel, with home
pickup & return (Auckland), quality hotels, meals
(as specified), & sightseeing fees (as specified."
• CHRISTMAS TOURS
5 and 6 days, depart 23 December. Join
one of our special tours to Northland and
Queenstown.
• NORFOLK ISLAND CHRISTMAS/NEW
YEAR
8 days, depart 25 December. Enjoy
Christmas & New Year festivities and a great
selection of dinners & tours.
• NAPIER ART DECO TOUR
5 days, depart 16 February. Enjoy New
Zealand’s celebration of the Art Deco style
in Napier.
• BEST OF THE SOUTH ISLAND TOUR
15 days, depart 08 April. The best
southern highlights featuring Mt. Cook,
The Catlins, Stewart Island, Milford Sound,
Queenstown, Wanaka and Franz Josef.
• QUEENSTOWN ‘AUTUMN MAGIC’
6 Days, depart 19 April. Includes Central
Otago sightseeing & Arrowtown ‘Autumn
Festival’ activities.
• CHINA DISCOVERY TOUR
23 days, depart 11 May. A leisurely paced
itinerary featuring an 7 night Yangtze River
Cruise plus stopovers and sightseeing in
Shanghai, Beijing and Hong Kong.
• NORFOLK ISLAND ’COUNTRY MUSIC
FESTIVAL’
8 Days, depart 14 May. Enjoy a fabulous
week of Country Music plus some of the
wonders of Norfolk Island.
• ‘SUN PRINCESS’ AUSTRALIA ‘NORTHERN
EXPLORER’ CRUISE
21 Days, depart 28 June. An amazing
voyage from Fremantle to Sydney, exploring
the Northern & Western highlights of
Australia.
For full details
Freephone 0800 11 60 60
www.travelwiseholidays.co.nz
50075

NATIONAL GREYPOWER MAGAZINE » SEPTEMBER 2016 53
Spring Garden Tours with Twilight Travel
Springtime is a delightful time of the year to see our
fabulous countryside and with places around the
country welcoming in the season with a variety of
festivals and events showcasing their regions, it can be
hard to decide what to do first.
Enjoying relaxed and leisurely
paced travel with Twilight Travel
takes all the stress away that
is commonly associated with selfdrive
road trips.
Twilight Travel & Tours has been taking
coach tours to the Taranaki garden
festival for more than 10 years and has
become well versed on the region, providing
seamless travel to this long running
festival.
Formerly known as the Taranaki
Rhododendron and Garden Festival, the
Powerco Taranaki Garden Spectacular is
now in its 29th year and would have to be
New Zealand’s premier garden festival.
Twilight’s signature six day tour—Secret
Gardens of Taranaki, departs from
Auckland on November 2.
The tour stays three nights in New
Plymouth at the Devon Hotel and the
final night is at the Grand Chateau Tongariro.
This tour goes further south to
Kimbolton just north of Feilding to visit
Crosshills Garden— a seven hectare garden,
which during October and November
is a blaze of colour, with hundreds of
blooming rhododendrons.
The itinerary features more than 10
festival gardens, ranging from small town
sections to large country gardens. An array
of styles and development stages are
selected offering something of interest
for everyone, even those that are not so
green fingered.
Every year the itinerary is adjusted to
incorporate a few of the newer gardens
and this year is no exception with ten new
gardens to the festival.
After the Taranaki Garden, Twilight
Travel & Tours has a tour visiting the
Wairarapa and Manawatu regions. Both
these regions boasts some wonderful
historic gardens as well as many beautiful
private gardens, some of which are
featured in the Mt.Bruce Garden Tour
fundraiser held in November. Twilight’s
itinerary features a couple of these historic
gardens as well as a small selection of
private gardens from the Mt. Bruce Tour.
The six day tour departs Auckland on the
train and returns by coach via Taupo and
Matamata visiting Daltons Homestead
and manufacturing plant.
There are options for joining from other
centres and Twilight Travel is happy to
assist with the booking of flights and alternative
transport from anywhere in New
Zealand.
Joining a coach tour takes away the
stress of driving and navigating yourself
around unfamiliar roads and with a maximum
of 24 people per tour you’ll enjoy
more time at each of the gardens we visit.
Everything is organised for you including
accommodation, breakfasts, dinners
and of course the gardens we visit. “Let
the Scenery Unravel with Twilight Travel.”
For more information contact Shavourn
(09) 533 0453, freephone 0800 999 887,
email info@twilighttravel.co.nz or go to
www.twilighttravel.co.nz.
Let the Scenery Unravel
with Twilight Travel
Small Group Tour Specialist
Spring Garden Tours
Taranaki Rhododendron Garden Spectacular.
Coach tour from Auckland/Hamilton to Taranaki’s
Garden Festival. Includes 10 private gardens,
Pukeiti and Cross Hills, and night at the Chateau.
6 days departs 2 November 2016
Gardens of the Wairarapa and Beyond.
Discover the beautiful gardens and more of the
Wairarapa and Manawatu. Travel from Auckland/
Hamilton by train and return via Taupo by coach.
6 days departs 12 November 2016
Festive Tours
Bay of Islands : 24 December—3 nights
Taranaki Festival of Lights : 24 December—3 nights
Hawkes Bay New Year : 29 December—4 nights
Chatham Islands
Explore the diverse landscape, discover the history,
heritage & culture of these unique islands.
Departs : Wellington 20 January 2017
Auckland 9 February, 9 March 2017
Catlins & Stewart Island
Explore the ‘Wild South’ from Dunedin to Stewart
Island via the windswept and rugged Catlins region.
Highlights : Ulva Island & 3 nights Stewart Island.
9 days departs 30 th March 2017
All tours are escorted from Auckland.
Options from other regions available.
Twilight Travel & Tours
Freephone: 0800 999 887
www.twilighttravel.co.nz
Twilight Travel & Tours, an approved broker of the Travel Managers Group
IATA Accredited and Bonded
BOUTIQUE RAIL & COACH TOURS
Australian Tours
Tasmania
See the stunning sights and history of this fascinating Island
Departs 28 March 2017
12 days, $4495.00 per person Twin share
Murray River, Adelaide and surrounds Departs 26
April and 11 October 2017
Includes Kangaroo Island and 5 nights on the Murray River
12 days, $4995.00 per person Twin Share
Cairns, North Queensland including Outback
Departs 22 June 2017
Includes Cairns, Port Douglas and Great Barrier reef
Additionally 3 nights in the outback visting Cobbold
Gorge. Travel back to Cairns on the famous
Savannahlander Train. 11 nights $4750.00 per person
Twin Share
Iconic New Zealand Summer 2017 Tours
South Island Supreme
4 departure dates - 9th Feb, 23rd Feb, 9th March and
23rd March 2017
Includes Tranzalpine Train, Fox Galcier, Milford
Cruise, TSS Earnslaw. Quality accomodation with 3
nights at Hilton Queenstown.
9th Feb and 9th March dates also include Treetop
walk and Hokitika Gorge. Travel New Zealand in
luxury this summer
New Zealand Spectacular
Departs 9th February and 9th March
All of the South Island supreme above plus
Tranzcoastal train, Northern explorer train, Chateau
Tongariro, Waitomo caves plus more.
17 days $5995.00 per person twin share.
Christchurch North link tour
Departs 18th Feb and 18th March
Includes Tranzcoastal train, Northern explorer,
Chateau Tonagariro, Waitomo caves and Rotorua
plus more.
8 days $2750.00 per person Twin share.
Short New Zealand Tours
Stewart Island, Catlins and Otago
Departs 15 January 2017
2 nights on Stewart Island including Ulva Island visit
and tour
Catlins Coast day tour out of Invercargill
Includes Abatross Colony(Otago Peninsula) and
Penguin Colony(Oamaru)
Enjoy the long summer nights of the South
8 days $2850.00 per person twin Share
Hokianga, Cape Reinga and Far North
Departs 24th March 2017
Includes Kauri Forests, Waitangi visit and Cape Reinga
Enjoy historic talks about this amazing part of our
country
7 days $1850.00 per person twin share
Coming up in 2017…….Dates to be confirmed -
Register your interest now!
Chatham Islands 7 days Spring 2017
Enjoy the Iconic hospitality, scenery and diversity of this
remote location
Stop and Go Tours
Based in 1 or 2 primary locations and venture out from
there. More details in the next issue of Grey Power
Contact us now for an itinerary for these great tours or to join our mailing list
For further information call Reid Tours on 0800 446 886 • www.reidtours.com • info@reidtours.com
all overnight tours include home pickup and airfares
50500

54
NATIONAL GREYPOWER MAGAZINE » SEPTEMBER 2016
At the time you receive this
publication, I will be driving a
small group on Route 66 in the
USA.
We are doing it both ways for reasons I won’t go into
here. Looking ahead I have a tour to New Orleans for
the last four days of the Mardi Gras, then onto Puerto
Rico three nights, Caribbean Cruise seven nights, Cuba
seven nights and Cancun for four nights.
This will be a magnificent tour
and I am sure will tick many
boxes for some people.
In 2014, I took a tour to Scotland
and Ireland and I plan to do the
same in 2017. We will travel the
Scottish Highlands, Orkney, the Outer
Hebrides, Skye, Mull and the Isle of
Man as well. On the last tour we spent a
week in the village of Plockton, with its
Dream Tours
www.dreamtours.co.nz
picturesque surroundings, and will do
so again.
Many people I have
taken away have
thanked me for the very
rustic look my tour gave
them of the English
Countryside.
Travel
rouTe
66
and see as much of the original highway as possible
Also ask about our
English Country
Cottage Tours
Beautiful English Villages
Scottish Highlands - Route 66
10384
• Famous
landmarks • Cafes
• Accommodation
places • Filling
stations
Contact Don 03-381-1694
dontours@xtra.co.nz
I have been doing tours since 1990
and in two years I plan to retire but not
before I have done my beloved English
Country Cottages Tour again. I have
never lost my enthusiasm for this tour.
Driving the narrow country lanes in England
in springtime has always given me
great pleasure.
To find beautiful wee villages tucked
away in the countryside is the aspect of
England I love most. Springtime in England
is magical, with the beautiful soft
greens of the beech trees, with rhododendrons
and azaleas in flower.
The robins sing at their best at this time
of the year and I have often been fortunate
to find a seat beneath a tree in which there
is a robin singing his heart out.
Many people I have taken away have
thanked me for the very rustic look my
tour gave them of the English Countryside.
Sydney Stayput
Feat. “My Fair Lady”
5 days $2,899pp
– 12 September 2016
Join us for this fabulous show at the
iconic Sydney Opera House directed
by Dame Julie Andrews! 4 nights
Marriott Sydney with all breakfasts
& dinners. High tea at Baronia
House, sights of Sydney.
ONLY LIMITED SEATS!
ESCORTED TOURS
Country Lanes of Ireland, Scotland & England 2017 – including Edinburgh Tattoo
30 days $14,450pp share twin – Departs 31 July 2017
Join our escort from Auckland with a maximum of 22 passengers. Travel with award-winning Cathay Pacific to Hong Kong (2 nights), including sights, dinner and sights. Travel on to Dublin (3 nights), hop on hop
off bus, Killarney (2 nights) – Jaunting Car, Ring of Kerry. Donegal, Derry, visit Giant’s Causeway, Belfast, including Titanic Quarter, Edinburgh (3 nights), hop on hop off bus, tickets to spectacular Tattoo!, Royal Yacht
Britannia, York (3 nights), Whitby, magnificent Castle Howard, free day. Visit Chester and on to Cotswolds (3 nights), Stratford-on-Avon, Blenheim Palace and the Roman city of Bath. Via Cheddar Gorge to Devon (3
nights Tavistock), visit incredible Eden Project, Cornish villages, Devonshire Tea on the Moors. Via Salisbury to London (3 nights). Return with overnight in Hong Kong. Includes all breakfasts, most dinners, sightseeing,
airfares (upgrades to Business class available), quality accommodation with private bathrooms, executive coaches throughout. Free home pick up and return in greater Auckland, Wellington or Christchurch areas.
Southern Scenic Splendour
Feat. The Catlins & Stewart Island
9 Days $3899pp share twin
– 18 November
Fly to Dunedin (3 nights) Enjoy sights including Botanical Gardens,
Royal Albatross Colony, Spectacular Taieri Gorge Railway Journey
to Middlemarch and return. Join our Coach and travel via the
Incrediblely scenic Catlins stopping At Nugget Point. Then its on to
Invercargill For overnight. Join the short flight to Stewart Island (2
nights) including sights and cruise on the beautiful Paterson Inlet
Return to Invercargill and travel by coach To Queenstown (2 nights).
Sightseeing Including Arrowtown and then farewell Dinner cruise on
the TSS Earnslaw with Gourmet BBQ at Walter Peak Station. Includes
all breakfast and Dinners, Flights And sightseeing as well as FREE
home pick And return from Auckland/Wellington/Christchurch.
Adelaide Murray
River Cruise
Wairarapa Garden
Festival
Check out our cruise prices – we can beat most offers. Phone our office for details.
POWERCO
Rhododendron
Festival
10 days $4999pp share twin
– 14 October
5 days $1999pp
– 11 November
5 days $1699pp
– 04 November
Join us as we fly to the lovely City Fly to Wellington, Scenic Rail to
of Adelaide (3 nights). Enjoy sights Wairarapa (3 nights) fabulous Join us on this popular annual tour to
including German town Hhandorf Peppers Parehua in Martinborough. New Plymouth (3 nights) Enjoy local
with its pastry shops and the beautiful All breakfasts & dinners, Visits to a gardens only open during the festival.
Murray River, aboard the PS Murray variety of gardens – Cheese Tasting Lots of special “Supreme “ inclusions,
Princess Heritage Cruise (4 nights) all And afternoon tea, Greytown shops, quality coach from Auckland back to
meals and onboard entertainment Wellington |(one night) time to visit Te Auckland All Breakfasts and dinners
included. Enjoy a further two nights in Papa! Train or fly back. FREE home pick with some lunches. Overnight at
Adelaide All breakfasts and dinners in up & return Auckland/Christchurch/ Rotorua And via Hamilton Gardens
Adelaide. Free home Pick up and return
Wellington/Tauranga.
home. Free home pick up and return
in Auckland/Wellington/Christchurch.
from Auckland.
SUPREME TOURS & TRAVEL LTD 54 Wellesley St, Auckland City
Freephone: 0800 809 300 • Phone: 09 309 9822 • Email: statltd@xtra.co.nz • www.supremetoursandtravel.com
TAANZ bonded for your protection and member of Iata
$500
DISCOUNT
EARLYBIRD
SPECIAL

NATIONAL GREYPOWER MAGAZINE » SEPTEMBER 2016 55
EUROPEAN PANORAMA
& Adriatic Dream Cruise
33 Days, 11 June - 13 July
$16,550
RUSSIA &
EASTERN EUROPE
28 Days, 6 Aug - 2 Sept
$15,240
UK & IRELAND
via New York & Iceland
34 Days, 6 July - 8 August
$17,590
•
•
•
•
AFRICA
The Beauty and the Beasts
•
•
•
SOUTH AMERICA
Iguazu Falls & Galapagos
•
•
•
•
PANAMA CANAL
via Hawaiian Islands
EASTERN NORTH
AMERICAN (with Cruise)

56
NATIONAL GREYPOWER MAGAZINE » SEPTEMBER 2016
BACK BY
POPULAR DEMAND
Refer your friends and family to
Grey Power Electricity or Pulse Energy
Each referral
will also give
you a chance to
WIN
ONE MONTH
OF FREE
ELECTRICITY!*
and receive $20 off your Grey Power Electricity account for every person you refer who joins.
Love the benefits you are getting with Grey Power Electricity?
For a limited time, you can refer up to 5 friends and family to Grey Power Electricity or Pulse Energy. For each person you
refer, you will receive $20 off your Grey Power Electricity account*.
This means that your friends and family can also enjoy all of the
benefits you are receiving as a Grey Power Electricity customer, such
as Price Protection on your Energy Rate, a low price upfront, no long
term contracts* and transparent billing.
Simply fill in the form below or complete the online form and we will
be in touch with your friends and family to talk to them about the
benefits of switching to Grey Power Electricity or Pulse Energy.
We will then apply a $20 credit to your Grey Power Electricity
account for every customer you referred who is still with us as
at 18 November 2016.
If you are not already a Grey Power Electricity customer, you can
still refer your friends and family. We can contact you and let you
know if anyone you have referred has joined.
Refer up to 5 friends and family
to join Grey Power Electricity or
Pulse Energy. For each person
you refer who signs up, you will
receive a $20 credit on your
Grey Power Electricity account.
1
2
3
Fill in this form below and return it to us at:
Freepost 225388
PO Box 10044
Dominion Rd
Auckland 1446
OR
OR
Fill in the online form
www.greypowerelectricity.co.nz/
friendsandfamily
We will contact your friends or family and talk to them about the benefits of joining
Grey Power Electricity or Pulse Energy.
We will apply a $20 credit to your Grey Power Electricity account in November for
every customer you referred who is still with us as at 18 November 2016*.
Your Name
Your Consumer Number
(on your Grey Power Electricity bill)
Your Phone Number
(if you are not a current customer with us)
Friend or Family Name
Friend or Family Name
Friend or Family Name
Friend or Family Name
Friend or Family Name
Contact Phone
Number for this person
Contact Phone
Number for this person
Contact Phone
Number for this person
Contact Phone
Number for this person
Contact Phone
Number for this person
*Terms and conditions apply see website for more details. This offer runs for a limited period of time, all referrals must be made by 31 October 2016.
*You can freely terminate, provided you give us 30 days’ notice. If you do not give us the required notice, an Early Termination Fee of $150 will apply
Email greypower@pulseenergy.co.nz Phone 0800 473 976
Web www.greypowerelectricity.co.nz
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