Hibiscusmatters August 5, 2015 | 13

HOWDOISTAYINTHEHOMEILOVE?Big rates increases, medical expenses, other unexpected costs – they can put a realstrain on your retirement income.

Now there’s a way to remove the worry and stay in the home you love.

A Heartland Home Equity Loan allows you to access the value in your largest financial asset,your home, without having to sell it. It’s a flexible way to release cash when you need it most.

So whether it’s an unforeseen expense, money for renovating your home or for that trip ofa lifetime, you can get the peace of mind you deserve.

Call your local Heartland Seniors Finance representative Rob Anderson now to see how we can help you.

Stay where you belong.

Call Rob Anderson on 09 927 9167 or 027 221 6186rob.anderson@heartland.co.nz

Heartland Seniors Finance is a division of Heartland Bank Limited. Heartland Bank Limited’s lending criteria, fees and charges apply.

Senioryears

Handcraft and stitching skills from days gone by are the focus of an exhibition called A Time Gone By that is on now at Estuary Arts Centre in Orewa.Although the pieces that are on display show that stitching skills were mainly used to make items for practical use around the home, the importance of handcrafts in mental health is also highlighted.The exhibition is presented in association with Platinum Community Care/Respite NZ in Red Beach, which offers respite care for those living with dementia, Alzheimers and other neurological conditions.Several of Platinum’s clients have been involved in making items for the exhibition, coming together for regular stitching sessions since last February.Respite NZ trustees Monica Grimshaw and Megan Minton say handcrafts are often used as therapy for people with dementia as they are a proven way to bring memories to light.“The stitching brought back memories for many of our clients, including the days when they made their own handicrafts, or things that their mothers or grandmothers made,” Megan says.Platinum’s clients were joined in the project by a wide range of other community stitchers, of all ages and abilities, with the work coordinated by keen stitcher Joan Hamilton.Joan says she was asked by Estuary Arts Centre to get involved because of her earlier project called Connecting Communities through Stitch. “I believe in the ability of stitching to help people socialise,” she says. “It encourages chatting and is also a big stress release.”

by journalism student Chantel StrydomWhangaparaoa resident Patricia Dallas is a pistol shooting, active 66-year-old who has no intention of slowing down any time soon.Patricia has been active her whole life, playing netball and squash. She started going to the gym when she lived in America in her 40s and still goes three times a week. “One of the reasons I went to the gym was because my husband commented on my ‘wing flaps’, which don’t exist any more,” she laughs. “But I also do it because I pistol shoot. She says one day at the air pistol club a group of Scouts came in for an evening and she was astounded that the teenagers could not hold their arms up when they held the gun because it was too heavy.To push herself, Patricia signed up for a gym challenge which involved throwing punches into the air while holding 2kg weights. She ended up winning the challenge, with 325 punches. She says it was particularly satisfying as many of the men she competed against couldn’t get to 300 punches.These days Patricia keeps motivated to stay fit in the knowledge that if she stops she may struggle to get going again. “I think once you get past about the age of 50, if you stop exercising it takes an awful lot of motivation to get going again. I just feel healthier when I’m exercising.”

Respite NZ trustee Monica Grimshaw, left, joins one of her clients, Janette Schick, in a knitting circle.

Stitching’s role in mental health unpicked at Estuary Arts show

Patricia Dallas. Photo, Chantel Strydom

Best shot at active life

Working with people with dementia was a challenge. “I spent a lot of time on the floor looking for needles,” she says.The exhibition also celebrates the current resurgence of skills that were handed down through the generations. It features knitting, crochet, handbags, cushions, textile artworks, blankets and other crafts.The exhibition opened on August 4, but will be officially opened on August 8 by Simon Holst – Dame Alison Holst has made pieces for the show.

View the exhibition

opening onlinelocalmatters.co.nz

Metro Park West plans in gear

| Hibiscusmatters August 5, 201514

SeniorYears

Ph: 0508 HEARAGAIN (432724) • www.hearagain.co.nz

FREE HEARING AID TEST DRIVE

• FREE no obligation initial hearing assessments• Evening & weekend appointments no problem! • 100% money-back guarantee*• Fully independent advice• Price beating guarantee*• Home visits available• All makes & models serviced*Terms and conditions apply. Call for more information

Samantha & Steven Foster

RHAD MANZAI

no obligation initial hearing assessments

Come visit our

NEW clinic at the

Whangaparaoa Plaza

(opp Post Offi ce)

Don’t be left out of the conversation! Try before you buy with a no risk demonstration of the

very latest hearing devices.

The Eye Team at the Rodney Surgical Centre with Dr Mark Donaldson.

callwww.eyedoctors.co.nz (09) 520 9689web

Cataract Specialist Warkworth

Dr Mark Donaldson FRANZCO

Dr Donaldson has expertlyperformed hundreds of small incision

cataract operations at the Rodney Surgical centre since

it opened in 2010.

Phone Eye Doctors on 09 520 9689 to make an appointment at the Warkworth Medical Centre.

Eye Doctors is anaffiliated provider to

Southern Cross Health Societyfor cataract and pterygium surgery

and other selected services.

Eye Doctors surgeons Dr Andrew Riley and Dr Penny McAllum have performed hundreds of cataract operations at Ormiston Hospital since it opened in 2008.

To make an appointment to see Andrew or Penny locally at their Botany Junction or Half Moon Bay clinics phone Eye Doctors on09 277 6787 or visitwww.eyedoctors.co.nz

Cataract Surgery at Ormiston Hospital

Penny McAllumFRANZCO

Andrew RileyFRANZCO

(09) 277 6787callwww.eyedoctors.co.nzwebEye Doctors is an affiliated provider to Southern Cross Health

Society for cataract surgery and other selected services.

Do you need a safe, reliable, convenient, very cost effective driving service? Let Freedom Companion Drivers assist you with:

Gillian & Stuart – Ph: 09 426 6663 • Mob: 021 333 917 Email: coast@freedomdrivers.co.nz

Outings • Medical appointments Hospital visits • Shopping excursionsAirport drop off & pickupsMuch more than a taxi service

Grey PowerHibiscus Coast Grey Power Association

Contact Simonne Dyer 09 424 1315 • 027 212 8322

Protects the rights of citizens aged 50 and over. Join up and benefit from cheaper electricity and gas supplies. Public meetings: last Friday of February, May, August and November, 1.30pm, St Johns Church Hall, 180 Centreway Rd, Orewa.

by Dr Mark Donaldson, Eye DoctorsAs you get older (40 plus), the ability to see well up close is gradually lost, glasses are required and as the years pass even long distance vision isn’t so good without glasses. So what is happening? In youth, the eye changes its focus for near and far automatically. It does this by adjusting the power of the lens. Each eye has a lens, which is found directly behind the pupil of the eye. The lens is for focusing light on the centre of the retina.So the eye changes the focus by adjusting the shape of the lens. The youthful lens is perfectly clear. As you age, the lens gradually stiffens and its ability to change focus is lost. That’s where reading glasses come in. Unable any longer to increase the power of your own lens, you have to add that power by putting lenses in front of your eyes. As people enter their sixties and seventies, the fibers of the lens start to lose their transparency and block the light. Initially, you notice that things don’t look as clear as they did even with new glasses. You may also notice glare and gradually sight may be totally lost. This is what is called a cataract – an opaque lens.Why does the lens stiffen with age and eventually lose its transparency? It is because the proteins in the fibres of the lens are degraded by oxidation.

Eye specialist Mark Donaldson, left, says a good diet and sensible protection from the sun can help your vision.

Losing focus with the years

Despite many anti-oxidant measures deployed by the lens these are eventually overwhelmed by the ravages of time and by the age of 70 all people have lost the ability to focus naturally and the majority have identifiable early cataract present, even if it isn’t causing them a problem with their sight. To keep your eyes in good health, I recommend wearing a hat and a good pair of sunglasses especially in the summer. Eat nourishing food and avoid cigarette smoke.If you have concerns about your sight, see your local optometrist. The expertise and equipment required to provide sight-restoring cataract surgery is available in Warkworth at the Rodney Surgical Centre. I performed the first cataract operation when the centre opened in 2010 and I have operated on hundreds of patients since then.

Hibiscusmatters August 5, 2015 | 15

SeniorYears

747 Whangaparaoa Road Whangaparaoa Ph 424 7475 admin@hibiscuslaw.co.nz

Double golD for winter

HIBISCUS LAW Ltd

Buy and Sell Your House • Retirement Villages • Trusts • Wills Powers of Attorney. Ask us about our mobile service

use your golD CArD with us in August, September, October and get a double gold discount.

We can pick up your car for free.

Ph 428 7969 8/667 Whangaparaoa Rd, Mon–Fri 7.30am-5pm, Sat 8am-12pm

www.nocowboys.co.nz & type in GT Automotive

For all Mechanical Repairs, WOFs, Servicing

Gustos

It can be DAUNTING not knowing about cars and being told x, y & z needs to be repaired or replaced. Then WORRYING if you’re actually being RIPPED OFF or OVERCHARGED ... especially for lADIES.

We wont PRESSURE or BlINDSIDE YOU with a SURPRISE BIll.

The FRIENDlY TEAM at GT will show you the problem & AlWAYS DISCUSS options & cost BEFORE working on your car.

FREE CAFé HIBISCUS COFFEE while you wait for your WOF or service.

Crow

s

Nest

The country came to town last month when two miniature donkeys were spotted walking down Moenui Ave in Orewa.On that occasion their owner, Rhonda Cope, was taking them to visit a friend but her miniature donkeys are well used to getting out and about, being part of the St John and SPCA Outreach Therapy Pets initiative, as well as a new programme at Riding for the Disabled in Stillwater.Rhonda has had two miniature donkeys, Harry and Star, at her Dairy Flat property for nearly two years. Early this year she and fellow volunteer Jill Jamison began taking them into rest homes and IHC facilities as part of the Outreach Therapy programme.Rhonda says that people’s faces light up when they see the donkeys, which are a little more than half the size of a standard donkey – and not just because they are cute.“Interaction with the donkeys is a catalyst for communication and memories,” she says. “One lady who didn’t generally mix with others became a lot more verbal with the donkeys there, because of her love of animals.”Harry and Star are also breaking in the Unmounted Riding programme that is being trialled at North Shore Riding for the Disabled in Stillwater this term.This gives people an opportunity to spend time with the miniature donkeys and perform simple tasks

Rhonda Cope takes Harry for a walk.

Little donkeys reaching out

such as grooming.Feedback suggests that doing this is calming, with one participant saying it lowered her blood pressure.Rhonda is happy to take her donkeys to any local rest homes or retirement villages for the Outreach Therapy programme – all she requires is space to manoeuvre her single horse float.Meanwhile, if you see Rhonda around town with her miniature donkeys, don’t hesitate to say hello.“We are used to getting stopped wherever we go – miniature donkeys are magnets for people of all ages,” she says.Info: Outreach Therapy Pets programme, phone 0800 000 606, or visit stjohn.org.nz.For North Shore Riding for the Disabled, phone 426 8110 or visit northshorerda.org

Ph Rachel 09 489 8954 or www.cmans.org.nz

Companionship & fun morning activities

for Seniors 65+Vacancies – new MeMbeRsWe have vacancies at our Red Beach and Stanmore Bay centres that run on Wednesday and Thursday mornings from 10am till 12.30pm. Come along and enjoy some fun activities and gentle exercises and meet some new friends. Crafts, speakers and outings are all enjoyed throughout the term. Morning tea and lunch provided all for just $6. Transport can be arranged for a very small charge.

| Hibiscusmatters August 5, 201516

SeniorYears

Phone 09 427 0090 or 0800 629 476 www.maygroveorewa.co.nz

Maygrove Village Offers a fantastic lifestyle for those 55+. Do you want to live independently in your own home?

Then visit Maygrove now and make yourself at home.

WANT THEBEST VISIONCARE FORYOUR FAMILY?EXPERIENCE THE OREWA OPTICS

DIFFERENCE FOR YOURSELF

Ph: (09) 426 6646 | www.orewaoptics.co.nz10 Bakehouse Lane, Orewa

NEED AN EYE EXAMINATION? CALL US NOW

LOOKING AFTER GENERATIONS OF LOCAL FAMILIES FOR OVER 28 YEARS

• Same place• Same family• Same quality eyewear & eyecare• Same old fashioned customer service

Mon–Sat: 9.30am–4pm | ststephenswgp.org.nz

Second chance

op Shop55 Karepiro Dr, Whangaparaoa | Ph 424 3717

• Furniture • Household goods • Clothes • Books

by journalism student Chantel StrydomHome and Family Counselling announced last month that they are running their Supa Savvies programme for the first time on the Hibiscus Coast – and already demand is high.Supa Savvies caters to those aged 60 plus who want to connect with people in their community. The programme started on July 29 in Silverdale.It is a group designed for men and women who live alone or lack family and social support.Communications and marketing manager Jo Broadhead says that the programme came about because Home and Family Counselling started getting older people coming into its office having been referred by GPs or other agencies for counselling. “It turned out the need wasn’t for counselling it was more that they had a sense of isolation, that loss of social contact,” Jo says.With Supa Savvies groups already operating in Mt. Eden, West Auckland and North Shore, it made sense to bring one to Silverdale, where it operates from Rotary House.Supa Savvies are restricted to small groups (the Silverdale one is 12 people) and sessions run for two hours every fortnight, with 10 sessions over 20 weeks with a facilitator. Afterwards it becomes self-governing, with the goal being to

establish a self- supporting network.Participants do a mix of creative activities and have discussion time – a fair chunk of it is social, according to Jo. “In-between the sessions they are encouraged to make phone calls to each other and keep in touch,” she says.A participant with the West Auckland group says that the group came together as strangers from diverse backgrounds and circumstances. “Some of us may have been tentative, sceptical, shy or merely curious to what lay ahead. But look at us now – we have bonded into a group where we feel comfortable sharing our thoughts and feelings with one another and we have no more need to wear our name tags,” she says.While the Silverdale group is already full, there is still an opportunity to request a place in the group, or be put on a waiting list for the next group.“We’d really like to keep offering it. There was a need in the community for a programme like this which gets older people together so that they can meet new people and to re-establish social contact and regain confidence,” Jo says.Home and Family Counselling is a charity that runs programmes in the community in addition to offering donation-based counselling. Info: Home and Family Counselling, phone 09 630 8961 or visit homeandfamily.org.nz

Support for super seniors comes to Silverdale

Hibiscusmatters August 5, 2015 | 17

SeniorYears

19B Moenui Ave, Orewa • Phone 426 9393

HAIRDRESSERSMENSHAIRDRESSERS

Monday to FridayHaircuts only $15

Unit 21 Millwater Central, 175 Millwater Parkway, Silverdale • Ph 09 972 1518Dentists • Dental Therapist/Hygienist • Specialist Orthodontist

Free Consultation Exam & 2 Bite Wing X-rays

– worth $110Free Specialist Orthodontist Consultation X-rays & Records – worth $355

Terms & conditions apply

24/7 Gym Group Fitness Personal Trainer

Boxfit Classes Weight Management

All-in-one Body Programmes

Your NEW 24/7 gym in Gulf HarbourJoin now!

Marina Plaza, Unit L, 69–89 Gulf Harbour Dr | Phil 021 288 7711 Michelle 021 288 7733 | www.montagehealthandfitness.com

Plot to platewith Trish and Nigel Middletonfacebook.com/twospoonsnz

Hearty winter bakeWarming bakes, casseroles and stews feed the soul and comfort the heart in the depths of winter. You don’t need fancy equipment and you can use whatever vegetables you have on hand. They are adaptable and easily flavoured with spices and herbs. They are also a great way to make use of root vegetables when they are well priced. You can make a large batch and feed the family for days or pop into the freezer to re-heat on those busy nights when you just want to relax with the family.It is quiet in our garden at present. With our food enterprise getting busier our time in the garden is shorter to match the length of these chilly winter days. In saying that, we still have a good supply of spinach and our parsley has been thriving. Now is the time to look forward to spring and thinking about planting seedlings indoors to transplant when the weather starts to warm. This recipe has become a family favourite – an uncomplicated winter dish full of flavour from readily available winter ingredients.

Beef Slow Bake1kg beef: lower cost cuts such as blade, chuck, or rump work well.1 Tbsp coconut oil2–3 kumara¼ pumpkin cubed

Heat frypan to high and add coconut oil. Brown meat in batches on both sides and place in a casserole dish. In the same pan sauté the onion on a medium heat with the maple syrup to caramelise, approx 2 minutes, and place in the casserole dish. Deglaze the pan by adding half the water or stock and let simmer for 1 minute. Pour the liquid into the casserole dish over the beef and onions. Scatter the pumpkin, carrot, kumara and apple cubes over the top. Sprinkle over the fennel seeds and lemon rind. Squeeze over juice and tip in the rest of the water. Cover the dish with foil and bake for two hours in a slow oven.Tip: We like to toss through a couple of handfuls of baby spinach before serving. The heat of the dish with wilt the spinach and it’s a great way to add some greens. This is the final column from Two Spoons. Hibiscus Matters will welcome a new local food columnist in our September 2 edition.

1–2 tsp fennel seeds1 apple, 1 lemon, juice & rind2 cups water or stock

4 carrots1 onion2 tsp maple syrup

| Hibiscusmatters August 5, 201518

Urinary symptoms keeping you from having the maximum quality of life you deserve?

Phone 09 444 4301 admin@mikemackey.co.nz | www.mikemackey.co.nz

Consulting Rooms: Northern Clinic | Level 1 212 Wairau Rd | Glenfield 0627 | Ascot Central | Level 1

7 Ellerslie Racecourse Drive | Remuera 1051

Michael MackeyUROLOGIST

One of Auckland's top Urologists, specialising in minimally invasive laser and robotic surgery.

millwater add 210mm wide x 65mm tall

Ph (09) 427 9130

Se free

8am-8pm EverydayAccident +Medical

New patients welcome to enrol.een by appointment Mon - Fri. Children under 13yrs

d

Red Beach Shops,Red Beach Road

“There whenyou need us.”

ACC visits- Free for All under 13yr olds

when enrolled

PODIATRIST

76 Brightside Rd, Stanmore Bay Ph 428 3888 Mobile 021 0550 464

PODIATRIST

CompleteFeet

Fiona Stark Dip.Pod.,S.R.Pod

• Cracked heels • Home visits• Ingrowing/thickened toenails

• Painful corns • Orthotic Supports

www.senior-moments.co Spon

sore

d by

Hib

iscu

s M

atte

rs

Senior Moments is a social activity group for seniors in the Hibiscus Coast Area.

We meet every Monday & Thursday at the Red Beach Methodist Church Hall

from 10am–12.30pm during school terms. Morning tea and lunch are provided.

Transport can be arranged. For more info ph Monique 027 253 5557

SeniorYears

Health in our handsPlanning for optimum health as we age is as important as planning for future financial needs. Some diseases such as Alzheimer’s and certain cancers continue to confound researchers, but many can be prevented or minimised with a healthy lifestyle and regular screening checks. In NZ Pakeha adults, aged over 45, obesity and the metabolic syndrome (a combination of risk factors increasing the development of diabetes and cardiovascular disease) is comparable to the incidence of those things in North America – 20 percent of men and 14 percent of women. However, in the Maori and Pacific Island population it is more than 50 percent. NZ has been ranked the third fattest nation in the OECD. The best way to fight this is to increase exercise, reduce alcohol intake and eat less sugar and fat. In middle age as much of our food as possible should be fresh and naturally prepared (avoid things that come in tins, packets and bottles). Arthritis affects nearly half of the older population – arthritis in our knees is the price we pay for walking upright! Avoiding overuse, doing steady regular exercise rather than weekend “spurts”, and keeping your weight down helps.Osteoporosis is a problem in the over 50-year age group with over 80,000 osteoporosis fractures per year, mostly in females. The cost of treating these fractures and related complications is over $300 million annually. Osteoporosis in not part of normal ageing and can be prevented by a diet high in calcium (especially during teenage years, in pregnancy and when postmenopausal) doing weight bearing exercise, maintaining a healthy body weight, not smoking, having a moderate alcohol and salt intake and balancing sun exposure for manufacturing vitamin D against the risk of skin cancer. Those who avoid sun exposure totally and the elderly confined to their homes should take vitamin D supplements. The risk of developing cancer increases with age but breast, cervical and bowel cancer can be screened for in NZ. Lung cancer is the biggest cause of cancer death in NZ so let us aim for a smoke free NZ by 2025! Cardiovascular disease is the leading cause of death in NZ. Prevention is simple: exercise more, eat the right food and don’t smoke. High blood pressure needs to be controlled to reduce the risk of stroke and heart attack.

with Dr Ruth Alberts coastcare@ccam.co.nz

Health

At Visique you’ll find the biggest names in designer frames, and lenses from Essilor, the world’s leading lens manufacturer.

So you’ll not only look fantastic, you’ll see beautifully as well.

Call in and see us at our new premises in Millwater Parkway, Silverdale.

Visique Hawkins Optometrists • Phone 426 5308 175 Millwater Parkway, Silverdale

Hibiscusmatters August 5, 2015 | 19

Mercy Radiology has been providing radiology

services to the greater Auckland region for more than 25 years.

10 branches

across Auckland

All patient bookings and enquiries: Phone 09 630 3324

www.radiology.co.nzNo ACC surcharge on most exams

7 Polarity RiseSilverdale

• X-ray• Mammography• Ultrasound

Opening hours:

Mon-Fri: 9am-5pmSat: 9:30am to 12:30am

SeniorYears

BY appointment – PHONE LYNN 424 5049

BACKS & BODYWORKS Assistance for tight muscles, and pinched nerves. For backs, neck, shoulders and leg pain.

Short term problems mostly need 2x appointments, longer term problems may require more. $40 per visit, seniors $30.

1 We use the gentle (proven for over 60 years) HARLEY BLOWS/MORGAN technique 2 Trigger release therapy 3 Reiki

09 421 9700 www.northernarena.co.nz

Northern Arena, 8 Polarity Rise, Silverdale.cnr Whangaparaoa Rd & Hibiscus Coast Highway

Limited time only. Conditions apply.

Seniors ClubA special discounted membership for those aged 60+ who have plenty more life to live. Pop in & see us today!

I DID IT FOR...MORE TIME

WITH THE GRANDKIDS

09 421 9700www.northernarena.co.nz

GYM | SWIM | GROUP FITNESS | PERSONAL TRAINING

by Grant Clifton, Financial Adviser, Countrywise FinancialMany seniors hold the bulk of their wealth in their home and this is effectively locked up with banks that are unwilling to lend to people over the age of 65 due to the inability to service the loan payments. Increasing property values have seen the costs just to stay in your own home increase. Higher rates, insurance, power, phone and water costs, as well as basic maintenance are putting financial pressure on retirees whose income from government super has remained stagnant.So what are your options with regards to being able to release some cash from your home without impacting on your ability to live comfortably? RAM Mortgages, or reverse annuity mortgages, as they are commonly known, are a relatively new product in NZ (about 25 years) but have become quite commonplace in many overseas countries.A RAM mortgage allows you to borrow against the equity in your home (at a very safe level for the lender) for any worthwhile purpose. Some lenders even allow you to use the loan as an income top-up, with regular drawdowns of the loan as an income. The key point to a RAM mortgage is that you don’t make any payments towards the loan – the interest is calculated on the daily outstanding loan balance and charged to your loan monthly (so what you owe increases monthly).As the loan amount increases, the equity you have in your property decreases. The lenders use a formula based on your age and the value of the property in determining how much you can borrow against your property. An example would be that a 65-year-old with a house worth $500,000 could borrow 20 percent of the value of the house ($100,000).The older you get, the bigger the percentage of a home’s value they will lend, usually up to a maximum of 40 percent. The percentage loaned

is based on the age of the youngest person, if you are a couple. There are around five providers (banks and finance companies) offering these types of loans in NZ. All provide a guarantee that you retain ownership and will be able to live in the home for your lifetime. Upon your death the house is sold and the loan repaid. There are various other features and guarantees that they have to provide you with to ensure some peace of mind about lifetime occupancy, no repayments and no negative equity.So what are the downsides to these types of products and what are the things you, your family and professional advisors need to consider? Firstly, I would recommend that you have a round table discussion with family members who may have a future stake in your estate. Get them to understand and agree that borrowing against the house is the correct thing for you to do. Explore all other financial avenues if there is a pressing financial expense or purchase. Are your children able to assist so you can avoid borrowing? Can you sell other assets to cover the cost? Get the loan provider to explain all the features, benefits and options available. Seek input from your lawyer and only proceed once you and your family are fully comfortable and understand the terms and conditions of what you are doing. Talk to a few providers and compare products, rates charges and the flexibility of the product. Take your time to decide and don’t be pushed into something you are not sure of. The bank providers of this product in NZ are reputable firms and all encourage you to seek independent advice. The product has great benefits if used wisely. When you have worked hard all your life, why not stay in the home you love but enjoy your twilight years by doing the things you enjoy? If that means the kids get less of an inheritance, then that is your choice to make. Info: sorted.org.nz or consumer.org.nz

The pros and cons of the reverse mortgage