March 1 - 31, 2026: Issue 652

Seniors’ Stories Volume 12 - 2026 Theme

The NSW Department of Communities and Justice together with the Fellowship of Australian Writers Inc (FAW) is conducting an exciting FREE short story writing competition for NSW Seniors Card and Senior Savers Card holders.

THEME: Neighbours, Strangers and the People in Between.
(NB: The Theme name must NOT be the story title).

Word limit 1,000 words

The Prize is publication in Seniors Card’s next book, Seniors Stories Volume 12.
  • OPENING DATE FOR ENTRIES: Thursday 2nd April, 2026
  • CLOSING DATE FOR ENTRIES: Thursday 14th May, 2026
Complete Terms & Conditions can be viewed here. The Entry Form will be available on this website from 9.00am on Thursday 2nd April 2026. Complete the online entry form, attach your entry then submit. Good Luck to all.

Advocates report rising demand as older people navigate Support at Home changes: OPAN

The introduction of the Support at Home program was intended to improve how older people access care at home — but with continuing reports of early implementation issues, it is clear the program has not yet reached its full intent.

Since coming into effect on 1 November 2025 under the Aged Care Act 2024, the program has brought changes to the way services are delivered and funded. For many older people, their families and support network the transition has been marked by confusion and uncertainty.

The number of information provisions and advocacy cases delivered that involved an older person with a Home Care Package or receiving Support at Home increased by 51% for the period 1 October to 31 December 2025, compared to three months prior.

Elder Rights Australia financial advocate Jane Sullivan is among the many independent advocates from the nine members of OPAN’s network working hard to support older people to navigate the transition, as well as other changes that came about with the new Act. 

Jane said the key issues that older people have raised with her are:
  • a lack of clarity around fees and charges
  • invoices and monthly statements not being provided in a timely manner
  • confusion around the implementation of Higher Everyday Living Fees (HELF) in residential aged care homes
  • co-contributions and financial hardship
  • care plans exceeding budget and out-of-pocket costs.
For older people encountering these issues, Jane recommends ensuring their income and assets assessment is up to date with Services Australia as a first step. ‘This is key to ensuring accurate liability or to not pay fees and charges, including co-contributions for Support at Home services,’ Jane said.

‘Speak with your provider about your concerns as early as possible – where your provider is not communicating appropriately – engage with advocacy for support.’

For those looking to apply for financial hardship assistance, Jane reminded older people that their provider can assist with completing an application form, and that this should be done as soon as the likelihood of financial hardship becomes a reality. It’s important that older people check they meet the eligibility criteria for financial hardship assistance before applying, which an advocate can support them to do.

There is also support available for older people who are not happy with the outcome of their service agreement, Jane said.

‘The new Statement of Rights clearly states that the older person has the right to “be informed in a way they understand and to raise concerns without fear and reprisal”, and that their “feedback must be dealt with fairly and promptly”.

‘Where older people have concerns about their service agreement and they have raised this with their provider but haven’t received a satisfactory response, advocacy can provide support to engage with the provider.

‘Advocacy can also provide support to older people to submit a complaint to the Aged Care Quality and Safety Commission, where necessary.’

Jane Sullivan, financial advocate from Elder Rights Australia

Jane encouraged older people to feel empowered to speak up and use their right to an independent advocate. ‘The most common thing I hear older people say is “I don’t want to create a problem” and my response is always “you’re not creating a problem by asking for what you need”,’ she said.

‘I encourage older people to be aware of their rights, not be afraid to ask questions, speak up when their needs are not being met, and to remember they are always welcome to engage with advocacy for information and support any time they need us.’

For more information or support call the Aged Care Advocacy Line on 1800 700 600 or register for OPAN’s upcoming webinar ‘Getting the services you need: Support at Home’, on: Tuesday 31 March 2026, 1 – 2 pm AEDT, visit OPAN's website at: opan.org.au/event/support-at-home-2026

Medication management in residential aged care - eNRMC update

March 25 2026
All ten eNRMC software vendors operating under the eNRMC Transitional Arrangement have successfully passed electronic prescribing conformance assessment, representing a major milestone in modernising medication management across residential aged care.

This progress is the result of years of collaboration between the Department of Health, Disability and Ageing and the Australian Digital Health Agency, working closely with software vendors to develop systems that enhance safety, streamline workflows, and reduce risks for residents. 

Implementation Phase Timeframes for RACHs 
The deadline for Residential Aged Care Homes (RACHs) to adopt electronic prescribing using conformant eNRMC systems is 31 December 2026.

This timeframe is designed to prioritise clinical safety and ensure continuity of care during the transition.

Migrating all residents’ medication charts is a complex process, and allowing sufficient time helps reduce the risk of errors, maintain accurate prescribing, and support seamless care delivery.  

Next Steps 
The department will continue to work with vendors and the aged care peak bodies during the implementation phase to monitor any impacts on the aged care sector and address any issues that arise during this time. 

We are currently updating our conformance status tracker and the agency will update their conformance register with updated conformance dates.

These resources will become available on the Federal Department of Health's website: Electronic National Residential Medication Chart (eNRMC) collection

Avalon Bowling Club's  Wednesday Night Jazz

Join us for live jazz music every Wednesday from 7pm!
  • Wednesday, March 18, 2026:Leah Berry
  • Wednesday, March 25, 2026: Edo Santoni
  • Wednesday April 1, 2026: Gregg Arthur
  • Wednesday April 8, 2026: George Washigmachine
  • Wednesday April 15, 2026: Little Patti - Australian entertainer Little Patti (Patricia Amphlett) was a 14 year old Sydney schoolgirl in 1963 when she hit the top of the Australian charts with the unforgettable double-sided hit 'He's My Blonde Headed Stompie Wompie Real Gone Surfer Boy & 'Stompin' at Maroubra'. She went on to record 30 singles, many of which hit the top 10, 5 EP's, 14 LP's & 3 CD's. Pattie earned several gold records for her music sales. She has received several music awards, a Logie Award, has been inducted into the Aria Hall of Fame & been awarded the Order of Australia medal as well as the Vietnam Logistics & Support Medal.
  • Wednesday April 22, 2026: Virna Sanzone
  • Wednesday April 29, 2026: Tilly Street
Little Patti coming to Avalon Bowling Club's Wednesday Night Jazz Sessions this April

TICKET INFORMATION
Show Times: 7pm - 9.30pm
Club Members - $25 Single Ticket | Guests - $35 Single Ticket

TO PRE-PURCHASE TICKETS PLEASE CALL 9918 3231 or VISIT THE CLUB DURING TRADING HOURS.
* All pre-purchased tickets must be purchased by 4:30pm on day of performance. Limited tickets available at the door.    

Manly Warringah Choir May Concert: Mozart

Police issue warning over stealing and fraud offences targeting the elderly

Police are warning the public about stealing and fraud offences targeting the elderly community.

Officers across several Police Area Commands have received reports of the incidents, with some victims reporting losses of hundreds of dollars.

Incidents have been reported in Newcastle City Police District, Kuring Gai Police Area Command, Northern Beaches Police Area Command, The Hills Police Area Command and Hawkesbury Police Area Command.

Investigators have been told elderly victims have been approached by unknown people who claim the victim has dropped their wallet or cash. While the victim is distracted, their wallet is taken and their cards are subsequently used fraudulently.

An incident of note occurred about 4pm on Monday 9 March 2026 at a shopping centre car park on Minmi Road, Fletcher.

Officers from Newcastle City Police District were told an 81-year-old man was approached by an unknown man as he entered his vehicle. The unknown man claimed the elderly man had dropped money and he wanted to return it.

The unknown man forced his way into the vehicle and 81-year-old was able to push him out. The unknown man then left the area.

The 81-year-old discovered his bank card was missing and later used at a service station in Elermore Vale where $800 was withdrawn.

As inquiries continue, investigators are urging anyone who may have been a victim of a similar incident to report the matter to their local police station or via Crime Stoppers on 1800 333 000.

Is dark chocolate healthier than milk chocolate? 2 dietitians explain

Alexander Grey/Unsplash
Lauren Ball, The University of Queensland and Emily Burch, Southern Cross University

Easter chocolate is all over supermarket shelves. Some people reach straight for milk chocolate eggs while others pause at the darker varieties, assuming they’re healthier.

Dark chocolate has gained a reputation as the “better” choice because it usually contains more cocoa and less sugar than milk chocolate.

But is dark chocolate actually healthier?

Let’s see how the evidence stacks up.

How do they compare?

All chocolate begins with the cocoa (or cacao) bean. Cocoa beans are the seeds of the Theobroma cacao tree, a tropical plant native to Central and South America.

Processing the bean gives you cocoa solids (the bitter part) and cocoa butter (the fat part that gives chocolate its smooth texture).

Chocolate is made from cocoa solids, cocoa butter and sugar. Milk chocolate also contains milk powder or condensed milk.

Dark chocolate typically contains a much higher proportion of cocoa solids, usually 50–90%.

Milk chocolate generally contains 20–30% cocoa solids, with the remaining bulk made up of milk ingredients and sugar.

How about nutritional benefits?

Because dark chocolate contains more cocoa solids than milk chocolate, it naturally provides slightly higher amounts of certain minerals.

This table shows the differences between milk chocolate (30% cocoa) and dark chocolate (more than 60% cocoa) per 20-gram serve. That’s about one row of a Lindt chocolate block.

As you can see, dark chocolate provides more minerals such as magnesium, iron and zinc. It also contains noticeably more caffeine (but far less than in a typical cup of coffee, which would contain about 100mg).

Milk chocolate offers significantly more calcium due to its milk solids, but it generally contains more added sugar.

Cocoa is naturally rich in plant compounds called polyphenols. These act as antioxidants in the body, helping to protect the body’s cells from damage.

Because dark chocolate contains more cocoa, it naturally contains higher levels of these compounds. In fact, dark chocolate contains roughly five times more flavanols (a type of polyphenol) than milk chocolate.

Compared to other foods often praised for their antioxidant content, cocoa contains around 17 times more catechins (another type of polyphenol) per serving than black tea. It also contains around three times more than red wine.

Does dark chocolate improve your health?

Research into cocoa and dark chocolate has produced some interesting findings, particularly about heart health.

Cocoa flavanols appear to help blood vessels relax and support better blood flow. Some clinical trials have reported small reductions in blood pressure and improvements in measures of blood vessel function after consuming cocoa products.

There is also broader evidence suggesting diets rich in flavanols may be linked with a lower risk of cardiovascular disease overall.

However, these findings come with important caveats.

Many of these trials use cocoa extracts containing high levels of flavanols. Others contain specially formulated chocolate rather than the typical chocolate bars or Easter eggs you’d find in supermarkets. The doses tested are also often far larger and far more concentrated than what people normally consume.

A large umbrella review (a review of reviews) involving more than one million participants did find links between eating chocolate and lower risks of cardiovascular disease, stroke and diabetes.

But the overall quality of evidence was rated as weak or very low, largely because many of the studies were observational. Observational studies can identify patterns, but they cannot prove chocolate itself caused those benefits.

The bottom line is that cocoa does contain beneficial plant compounds but the chocolate most of us enjoy is not a health supplement.

But I thought dark chocolate has less sugar?

Choosing dark chocolate doesn’t automatically make it the healthier option, especially where sugar is concerned. Some dark chocolate contains surprisingly high amounts.

Depending on the cocoa percentage and recipe, some dark chocolate products contain 4050% sugar.

So a 150g dark chocolate Easter bunny containing 50% sugar, for example, can contain about 19 teaspoons of added sugar.

This applies to Easter eggs too. Some dark chocolate Easter eggs sold in supermarkets still list sugar as one of their first and main ingredients, ahead of cocoa butter. This means sugar makes up a significant chunk of what you’re eating.

So it’s always worth flipping the packet over and checking the ingredients list and nutritional panel to be sure.

What to choose this Easter?

Dark chocolate has a nutritional advantage over milk chocolate. But how much depends on the cocoa percentage and how it’s been made.

As a general rule, aim for 70% cocoa or more, and flip the packet over before you buy. In a higher-quality dark chocolate, cocoa should appear first in the ingredients list – not sugar.

A higher-quality dark chocolate might have its ingredients listed in this order: cocoa mass, cocoa powder, cocoa butter, sugar, vanilla.

A lower-quality dark chocolate might look like this: sugar, cocoa mass, cocoa butter, emulsifiers, flavour, milk solids.

If sugar is listed first, it’s the largest ingredient by weight.

Beyond that, choose chocolate you actually enjoy and watch your portion size. Remember that your overall diet matters far more than a few Easter eggs.

The real health benefit of Easter chocolate? The enjoyment of sharing it.The Conversation

Lauren Ball, Professor of Community Health and Wellbeing, The University of Queensland and Emily Burch, Accredited Practising Dietitian and Lecturer, Southern Cross University

This article is republished from The Conversation under a Creative Commons license. Read the original article.

Gone but not forgotten: how fuzzy memories improve decision‑making

Nathan Jennings/Unsplash, CC BY-SA
Paul M. Garrett, The University of Melbourne

You’ve only been in the shopping centre for a few minutes, but back in the car park, you suddenly freeze. Where did I park? The memory feels gone. You guess and start to head left. Then you see the sign – “Blue Zone 1” – and realise your guess was correct.

This everyday experience is at the heart of new research colleagues and I have published in the journal Computational Brain & Behavior.

It shows that even “wrong” short-term memories may not be empty guesses.

What is short-term memory?

When we compare options, debate opinions, and recall very recent events, we hold this information in our “working memory”, also known as our short-term memory.

Researchers agree short-term memory has its limits – most people can only keep four or fewer items in mind at any one time. But the nature of these limitations is debated.

One popular “slot” theory suggests information is either stored fully or not at all. Think of this like a light switch: on or off. If the light is off, any resulting decision is a stab in the dark.

A competing “resource” theory suggests information is stored with different levels of accuracy. Think of this like a lighthouse shining through fog. Some memories are lit up, clear and strong. Others are just out of sight, fuzzy and only touched by the faintest of light.

If true, these fuzzy signals may still help us recognise important information and make good decisions, even when it feels like the memory has disappeared entirely.

Searching for the signal

My colleagues and I used advanced models of decision speed and accuracy to test whether “guessed” memories contained useful information for a subsequent recognition decision.

Put simply, if memory works like a light switch, then guesses will contain no useful information when assessed in a later recognition task.

However, if guesses come from fuzzy memories, then even wrong recollections will contain some useful information for later recognition.

To test these theories, we showed participants up to six colourful dots. After hiding the dots, we then asked them to recall the colour of one of the previous dots on a colour wheel.

Once they’d chosen their colour, we gave them a second shot.

After calculating their response error, we presented the correct colour alongside an alternative one that was located an equal yet opposite distance from the response location as the correct colour on the colour wheel. This ensured the target and alternative (or “distractor”) colours were similarly difficult to recognise, relative to the participant’s initial recollection.

We then asked participants to recognise the correct colour from among the pair.

Four black squares, one with four different coloured dots and the other three with colour wheels.
The experiment involved a multistep colour memory task, in which people first recalled a target colour from up to six colourful dots using a colour-wheel, and then chose between the true-colour and a matched alternative. Paul M. Garrett, CC BY-SA

Fuzzy or gone?

As expected, people recalled colours less precisely when they had more items to remember. But what happened when their answers looked like guesses?

We first separated “guessed” memories (for example, responses made on the wrong side of the colour wheel) from memories centred on the correct colour.

The rate at which participants accurately recognised the correct colour far exceeded chance following guesses for four or fewer items (more than 70%) and on average, was above chance for six items (55%).

Our modelling shows why: even when recall looked very wrong, people were still drawing on the same fuzzy memory trace to achieve better than chance recognition.

We didn’t take this finding at face value.

Using the latest computational methods, we considered alternative accounts: swap errors (where the wrong item was initially recalled and then corrected for during recognition), complex guessing patterns, varying memory limits, and combinations thereof.

No other account explained our findings.

Why ‘fuzzy’ short-term memories matter

Daily life rarely gives us the time or mental space to rely on perfect recall, especially when the information we’re retrieving isn’t all that crucial: the exact location of our parked car or the exact details of an acquaintance’s face.

Our work shows that even when short-term memories feel like they’re gone, they may still hold information that’s useful for making correct decisions.

Understanding this is important.

We often treat short-term memory like a light switch. But that might be leaving people in the dark.

For example, comprehensive short-term memory tests need to assess not only recall, but how recognition memory helps people achieve their daily tasks.

Our work encourages people to reevaluate “guesses” as low-precision memories.

For example, instead of dismissing mistakes as errors, educational tools might use recognition prompts to probe memory lapses and encourage learning.

Our work also supports the use of redundant information when navigating settings using short-term memories. “Blue Zone 1” is a great memory prompt to navigate a car park, but it’s also incredibly helpful in other settings such as hospitals.

Finding ways to better support short-term memory for people’s everyday decision-making, as in the above examples, is a matter for future research.

For now, when you next feel a memory is lost, know that it might not be gone. With any luck, it’ll be there, catching just enough light to lead you in the right direction.The Conversation

Paul M. Garrett, Post Doctoral Research Fellow, Melbourne School of Psychological Sciences, The University of Melbourne

This article is republished from The Conversation under a Creative Commons license. Read the original article.

AvPals Term 1 2026 Short Courses at Newport

Avalon Computer Pals (AVPALS) helps seniors build and improve their computer and technology skills. AvPals is a not-for-profit organisation run by volunteers. Since 2000, we have helped thousands of seniors from complete beginners to people who just want to improve or update their skills. We offer one to one personal tuition or small group short courses.

Short courses are run at Newport Community Centre every Tuesday afternoon in school terms. Full details of this term’s courses are available at Newport Short Courses and bookings can be made on our Course Bookings webpage.

Find out more at: www.avpals.com

Silver Surfers: at Manly + Palm Beach

Who is this lesson for?
Taking place at either Palm Beach or Manly Beach, Seniors and over 55s are invited to join a Bodyboarding and Ocean Safety Clinic, designed to help you connect with the ocean and boost your confidence in the water. This is a fantastic opportunity to learn from the best and join a welcoming community of ocean lovers.

What’s Included:
  • Lessons: Learn bodyboarding and essential ocean safety skills from experienced instructors.
  • All Equipment Provided: Wetsuits and bodyboards will be supplied for the session.
  • Morning Tea: Enjoy a delightful morning tea and connect with others after the session.
Important Info:
Arrive 30 minutes early to change into the provided wetsuits before the session starts.

Sponsored by Surfers for Climate, MWP Community Care, and Manly Surf School, you don’t want to miss these bi-weekly bodyboarding sessions. This is a great chance to meet others in the community, enjoy the surf, and embrace the ocean with confidence.


Cost: FREE!


Silver Surfers group Photo: Manly Surf School

 COTA – NSW - cotansw.com.au

ABOUT US

The Council on the Ageing NSW (COTA NSW) is the peak organisation for people over 50 in our state. We’re an independent, non-partisan, consumer-based non-government organisation. We work with politicians, policy makers, and service providers as well as media representatives to make sure your views are heard and your needs are met. COTA NSW works to empower and engage people over 50. For decades, we’ve shaped the policies and programs that change lives.

Since our beginning in 1956, COTA NSW has introduced policies and programs that make a real difference to peoples’ lives. We have proud record, having created: ■Meals on Wheels, ■Retirement Village Residents Association, ■Australian Seniors Computer Clubs Association, ■Seniors Clubs, ■Seniors Information Service, ■OM:NI – Older Men: New Ideas, ■Grandfriends, ■Grandparents, Relatives and Kinship Care Alliance, ■Medication Management for Older People, and the ■Mature Employment Line

NSW Seniors Card program: Translated Resources

If you're from a culturally and linguistically diverse (CALD) background, and would like more information about the NSW Seniors Card program, translated versions of the Membership Guide brochure are available here:
Available for download in 13 different languages.
Profile: Avalon Soccer Club
Avalon Soccer Club is an amateur club situated at the northern end of Sydney’s Northern Beaches. As a club we pride ourselves on our friendly, family club environment. The club is comprised of over a thousand players aged from 5 to 70 who enjoy playing the beautiful game at a variety of levels and is entirely run by a group of dedicated volunteers. 

Apply for the Seniors Energy Rebate

A new rebate for independent retirees who hold a Commonwealth Seniors Health Card to help with electricity costs. The Seniors Energy Rebate is available for eligible independent retirees to help cover the cost of their electricity.

To be eligible you need to hold a Commonwealth Seniors Health Card (CSHC).
CSHCs are means-tested concession cards issued by Services Australia and the Department of Veterans' Affairs (DVA). 

The Seniors Energy Rebate is now $200 per household, per financial year.

If your application is successful, the rebate will be paid directly into your nominated bank or Credit Union account.

Note: Gas accounts are not eligible for the rebate.

What you need
  • your valid CSHC from Centrelink or the DVA
  • the most recent electricity bill for your current primary place of residence
  • your contact details
  • your bank or Credit Union account details
How to apply
  • Check you meet the eligibility requirements.
  • Select the 'Apply online' button.
  • Enter the required details.
  • Submit the application.
If you're unable to apply online, visit a service centre or call us on 13 77 88.
If your application is successful, you'll receive payment within 5 working days into your nominated bank/Credit Union account. Service NSW will contact you if there are problems issuing your payment. 
 MWP CARE (previously known as MWP Community Aid) is a local not for profit organisation that was founded by Daphne Elsworthy, a Collaroy resident, 52 years ago and we are still going strong! 

In 2022 our programs focus on assisting older people aged 65 years and older, we also assist younger people with a disability and their carers.  We are funded by the Australian Government Dept. of Health through the Commonwealth Home Support Program (known as CHSP). Pittwater Online News PROFILE

These services may be eligible for government subsidies. Call us on (02) 9913 3244 for a confidential discussion. Alternatively you may call My Aged Care on 1800 200 422 to discuss your needs. To access our services (and all other CHSP provider services) you must be registered with My Aged Care – the portal for all things related to Aged Care Services 

We provide services aimed at helping people to stay independently living in their own homes.

Our programs cover:

  • Transport – to medical and social appointments
  • Shopping – Escorted Shopping, Shop By List, Group Social Shopping
  • Visiting – a volunteer visits a client in their own home for social support
  • Individual Activities – visit a friend, the library, the beach, local garden, and nursery, go for a coffee & chat, attend community activities etc.
  • Social Group Bus Outings – our mini bus and experienced staff coordinate a calendar of bus outings to interesting venues
  • CALD (Culturally and Linguistically Diverse) social groups/outings  – Chinese, Italian, Korean , Filipino, Serbian
  • Home Maintenance Modification Service – provided to individual home owners at reasonable cost. Services provided by trusted tradespeople can include Plumbing, Carpentry, Handyman, Electrical, Modifications (ramps, rails etc.)

Visit our website for more at: www.mwpcommunityaid.com.au  and on Facebook: www.facebook.com/mwpcarelimited

RSPCA's Community Aged Care Program

RSPCA NSW understands that to an elderly owner, a pet can mean everything. Our Aged Care program aims to keep pets and their elderly owners happy, healthy and together in their own homes for as long as possible. To do this, we assist elderly pet owners over the age of 65, Indigenous pet owners over the age of 50 and palliative care patients of any age.
  • services our Aged Care program offers include: temporary foster accommodation and/or emergency pet boarding if the owner requires medical treatment, respite or other assistance
  • assistance with veterinary treatment
  • home visits to assist the elderly with basic pet care
  • assistance with pet grooming
  • assistance with transport to and from the local veterinarian
  • a volunteer network to assist with dog walking and short periods of in-home care if the owner requires medical treatment, respite or other assistance
Please note that due to high demand for this program, we ask that pet owners first ask family and friends whether they are able to assist with their pet’s care.

This community program was previously known as Pets of Older Persons (POOPs).

For more information please contact the RSPCA Community Programs helpline (02) 9782 4408.

The helpline operates Monday to Friday, 9 a.m. – 5 p.m. During weekends and public holidays contact the RSPCA Contact Centre on (02) 9770 7555
Aged Care Program FAQs

Bilgola plateau Probus Club

We meet on the first Friday of every month at the Newport Bowling Club; 2 Palm Road Newport.  Our membership is full at the moment, and our waiting list is full.  However, visitors are always welcome.  

If you have any questions, please contact our Membership Officer, Mary Wearne:  mary_wearne@hotmail.com

My Aged Care

If you need some help around the house or think it’s time to look into aged care homes, My Aged Care is here to help.
My Aged Care is the Australian Government's starting point on your aged care journey. Find and access the government-funded services you need.

Learn about different types of care
If you are just starting out on your aged care journey, this is your first step. You can see what services are available to help you stay in your own home, or what to expect in an aged care home.

Get assessed
If you’ve had a look at what services might be available and you want to know if you are eligible, this is your next step. Read about how to apply and what’s involved in the assessment process.

Find a provider
If you’ve been assessed and are ready to find a provider and set up your new services, start here. Find out what to consider and get information about service providers near you.

Manage your services
If you are receiving services and want to check what you’ve got in place or make some changes, head to this section.

Need some help?
If you need some help, the My Aged Care team can answer most of your questions over the phone. Call 1800 200 422

Avalon Beach Ladies Probus Club - Profile

Avalon Beach Ladies Probus club meets first Tuesday of every month at Club Palm Beach (Palm Beach RSL).

Meals on Wheels 

Meal preparation and delivery: Benevolent Society
Our food services include meal preparation, and delivery of hot, frozen or chilled meals as part of the Meals on Wheels NSW program. This service is currently provided in the Northern Beaches area of Sydney.

Assistance to prepare food at home is available as an activity to help stay active and independent.
To find out if you or someone you know is eligible for this service, call our friendly staff. 
Call 1800 236 762

Also:
Pittwater; 6 Jackson Road, WARRIEWOOD, NSW 2102
Phone: 02 9457 3900

Manly & Warringah; Manly Seniors Centre, 275 Pittwater Road, MANLY, NSW 2095
Phone: 02 9976 1469

Avalon Scottish Country Dancing

Avalon Rec. Centre
Thursday 3pm to 5pm
Most Saturdays 2pm to 4pm
(contact Margot Fenelon 0419 122 455 to confirm Saturday class)
COST:  $5 - first visit free
WHAT TO WEAR: Casual clothes and soft soled shoes


MWP Care

We've been supporting the community for over 50 years! 
Our Neighbour Aid staff and volunteers are able to provide crucial support to vulnerable elderly residents during the lockdown. 

Help with going to the supermarket or shopping on your behalf from a list as well as transport to medical appointments. Please get in touch via our website for more information 

MWP Care is a not-for-profit organisation that assists frail aged and younger people with disabilities and their carer’s in the Manly, Warringah, Pittwater area to remain independent members of our community.

MWP Care provides support to people who cannot manage alone by providing a range of services. Many of Community Aid’s activities are made possible by the generous work of our wonderful volunteers. Please contact us for more information.


 

Contact Community Care Northern Beaches HERE

Heartmoves is a low-moderate intensity exercise program. Regular participation in Heartmoves will help to: Better manage weight, blood sugars, blood pressure and cholesterol; Improve fitness, balance, co-ordination and flexibility; Enhance your quality of life and meet other people. Ingrid Davey is a qualified Older Adult Instructor and accredited Heartmoves Leader who will guide you through an exercise program that is fun, safe and modified to suit you. Tuesday 9.30am and Thursday 10.30am at Nelson Heather Centre, 4 Jackson Road Warriewood.  The cost per class is $10.00 casual now and $17.00 for two classes. Phone Ingrid to secure your spot on 0405 457 063. www.heartfoundation.org.au

council has a Home Library Service Available for Seniors

For those unable to visit the library because of age or disability, the Home Library Service maintains a vital connection with all that the library offers. Your Home Library Service Officer will help you select items for reading or listening. Volunteers or staff will then deliver and collect your library items on a regular basis.

Register for the Home Library Service
If you or the person you care for is unable to visit the library or carry library items home due to age, frailty or disability, please complete Council's Home Library Service Application Form or call us on 9942 2393. 

A medical certificate or statement signed by a doctor may be required to assess eligibility.

What happens next?
After staff receive your completed application form, a Home Library Service Officer will contact you to arrange a time to meet and discuss the service details with you.

Staff or volunteers will then select your items according to your borrowing preferences and then deliver them to you. During this visit you can return any items that you have finished with.

Know Your Bones

CEO of Osteoporosis Australia, Greg Lyubomirsky says “bone health is an important part of your general health and anyone with risks for osteoporosis should be investigated.”

He has urged people to try the online self-assessment, Know Your Bones developed by Osteoporosis Australia and the Garvan Institute of Medical Research. 

"Simply visit the website, complete the assessment in your own time and a personal report is generated which will outline potential risks and can be taken to your doctor if required.”

You can take the assessment here:  www.knowyourbones.org.au

NSW Seniors Website: Crosswords, Puzzles & Games

Did you know that the NSW Seniors website has a range of games and puzzles for you to exercise that great grey matter upstairs?

Recently new items have been added in and now the list is:


Just click on the links we've embedded next time it's too cold out for a stroll and exercise that other great asset you have - your mind!

NLA Ebooks - Free To Download

The National Library of Australia provides access to thousands of ebooks through its website, catalogue and eResources service. These include our own publications and digitised historical books from our collections as well as subscriptions to collections such as Chinese eResources, Early English Books Online and Ebsco ebooks.

What are ebooks?
Ebooks are books published in an electronic format. They can be read by using a personal computer or an ebook reader.

This guide will help you find and view different types of ebooks in the National Library collections.
Peruse the NLA's online ebooks, ready to download - HERE

Wellbeing Plus 

The Wellbeing Plus Course is a free, online treatment course for Australian’s aged 60 years+.

The course includes 5 lessons delivered over 8 weeks, with optional weekly support from a therapist via email or phone. It aims to help us understand symptoms of anxiety and depression, and practice helpful skills.    

Over 95% of people said they would recommend the Wellbeing Plus Course.  

If you're interested in learning more, visit www.mindspot.org.au/course/wellbeing-plus  


Concession car parking at NSW Health public hospitals

Patients and carers may be eligible for concession rates on parking at NSW Health public hospitals. 

To be eligible you need to be:
  • requiring treatment over an extended period
  • attending hospital more than twice a week (including carers of long term patients who visit frequently). 
  • ongoing cancer treatment
  • treatment more than twice weekly
  • daily dressing changes
  • cardiac rehabilitation or health promotion classes
Concessions are also available for holders of a: 
  • Transport for NSW Mobility Parking Scheme permit
  • Pensioner Concession Card
  • Department of Veterans' Affairs Gold Card
  • Health Care Card.
Hospitals provide communication to patients, carers and visitors about the availability of concessional car parking rates, this includes:
  • clearly displaying and publicising concessional rates
  • streamlining the concession application process with designated points of access
  • validating concessional parking for the duration of a course of treatment. 
For detailed information on eligibility and concession fees, visit NSW Health webpage:

Hotline to report food quality in aged care now live

Australians now have a simple and efficient way to report food concerns in aged care, with the launch of a dedicated Food, Nutrition and Dining Unit hotline at the Aged Care Quality and Safety Commission.

The hotline is active and callers will have access to experts in the areas of food, nutrition, and dining, including dietitians and speech pathologists.

A good meal with good nutrition is crucial to quality of life for everyone but especially older people.

The Food, Nutrition and Dining Hotline is also available to aged care providers to access food and nutrition advice, support and education to deliver improved food, nutrition and dining experiences for older people in their care.

Older people, their families and carers, providers and aged care workers can call the Food, Nutrition and Dining Hotline on 1800 844 044.

The hotline builds on the Federal Government’s grant to the Maggie Beer Foundation to build the capability of aged care chefs and cooks working in aged care.

The first free online training modules are now available: https://lms.maggiebeerfoundation.org.au/.

A Call to Volunteer Trainers and Students

Come and share your knowledge or learn more about your device! 
Computer Pals for Seniors Northern Beaches would love to hear from you. We are a not-for-profit organisation helping seniors navigate the wonderful world of technology.

We teach in term times Monday to Friday in a relaxed fun environment.

Common topics requested by Students are: Sending and receiving emails, discovering useful apps, safe banking online, learning how to take and store photos, avoiding Scams, and basically being able to operate their device with confidence.

We teach Android/Apple tablets and phones, and Apple/Microsoft/ Chromebook laptops.

We are based at the Tramshed Arts & Community Centre, 1395a Pittwater Road, Narrabeen, near the B-Line bus stop.

Why not give us a call on 0478 920 651



The Senior Newspaper Online 

HERE

On Facebook

Computer Pals for Seniors: Northern BeachesTechnology made easy for Seniors

Have you ever struggled with the demands of modern technology? Come and join our friendly club and learn at your own pace. 

Computer Pals for Seniors Northern Beaches is here to help you master your device, be it Android/Apple tablets and phones, Apple/Microsoft/Chromebook laptops.

Each lesson is one-on-one for an hour each week during term times.

We are based at The Tramshed Arts & Community Centre, 1395a Pittwater Road, Narrabeen, close to the B-Line bus stop.

If you would like further information please contact Anne - Tel: 9984 0604 or email anne.computerpals@gmail.com



WIND, BRASS AND PERCUSSION PLAYERS!!!!!

Northern Beaches Concert Band is looking for flute, clarinet, saxophone, tuba and trombone adult players.  We cater for players from beginner to advanced and have a varied and exciting repertoire.  Come and join us during school term time at 7.30pm, Pittwater High School, Mona Street, Mona Vale. 
  
Details 9970 7131 or 0414 560 263.

Media Releases concerning Seniors this week from National Seniors Australia

With around a quarter of a million members, National Seniors is Australia’s largest consumer organisation for the over 50s and fourth largest group of its kind in the world.

Profile

EasyLink (formerly Easy Transport Manly Warringah Pittwater) - medical appointments, shopping trips, mystery tours and Saturday Lunch - this great non-profit organisation offers great ideas and solutions.

Visit: https://easylink.com.au

Aged Care Complaints Commissioner 

Any person can make a complaint to the Commissioner, including care recipients, family members, friends, staff, volunteers, or professionals.

Complaints may relate to any aspect of services including care, choice of activities, discrimination, catering, communication or the physical environment. The 1800 550 552 helpline is staffed 9am to 5pm (AEDST) Monday to Friday.

Out of hours callers can leave a message, or contact the Commissioner at anytime through the Aged Care Complaints Commissioner website.

________________________________________

In 2014-15, there were 10,924 contacts to the Aged Care Complaints Scheme. 3,725 were assessed as a complaint, 3,812 ‘other’ contacts includes non-compulsory notifications, own motion investigations and compliance referrals. There were also 3,387 out of scope contacts which were not related to an approved provider or an approved provider’s responsibilities under the Aged Care Act.

Seniors Card Discount Directory

NSW Seniors Card is pleased to provide members with the 2024 Seniors Card Directory, your guide to the best discounts and special offers from thousands of participating businesses across the state.

The directory includes discounts from each region in NSW. The regions are: Sydney & Surrounds, Central Coast & Hunter, Northern NSW, Southern NSW and Western NSW.

View our regional map below to determine which region you are in.  You can view the directory online in your browser or download and save to your computer for quick reference as you need. 

Each year five directories are released, one for each region in NSW. The regions are: Sydney & Surrounds, Central Coast & Hunter, Northern NSW, Southern NSW and Western NSW.   Please click here to find a location near you.

Disclaimer: These articles are not intended to provide medical advice, diagnosis or treatment. Views expressed here do not necessarily reflect those of Pittwater Online News or its staff.

Integrated Assessment Tool: good or bad?

In a radio interview on ABC Melbourne Drive on March 24 2026, Minister for Aged Care and Seniors Sam Rae maintained that the Integrated Assessment Tool (IAT), the algorithm-driven system rolled out in November 2025 to determine in-home aged care funding, “is doing a good job”.

Minister Rae described the tool as part of a “generational reform” that has slashed assessment wait times from up to 10 months under the old system to consistently under one month. He highlighted what he called improved fairness and efficiency, noting that $4 billion in unspent funds from previous over-allocations could now be redirected to those in genuine need.

“We need our assessment system to be fair, we need it to be efficient, and we need it to be accurate,” he told host Ali Moore.

When asked about complaints Minister Rae acknowledged “an ongoing discussion” but pointed to the low volume of formal reviews, 800 requests out of more than 180,000 assessments completed since November 2025.

After Ali played audio from Gaynor, whose husband Graham, living with motor neurone disease, saw his weekly care hours drop from 14 to 9.5 under the new tool, leaving days where she could not get him out of bed unaided, Rae expressed distress and offered to “follow up directly” if details were provided. 

He then stressed a “key principle of fairness” that budgets “cannot go backwards”, appearing to suggest such a reduction should not have occurred.

When Ali Moore pressed that the same budget now buys less care due to price increases, Rae shifted to explain reforms that capped administrative costs at 10 per cent and removed transport charges from individual blocks of care. “Overall, people should be able to purchase the same level of care through their packages,” he said, a point that contrasted starkly with the accounts from families and providers who report otherwise.

Minister Rae repeatedly defended the tool’s design. He explained that a qualified human assessor still conducts the face-to-face or telehealth clinical assessment, spending “many hours” gathering data before it is fed into the IAT. The automated element, he said, is simply the “application of the Aged Care Rules” that must apply equally to everyone, followed by a delegate’s sign-off.

However, a follow up report that ran on ABC's 7.30 on Thursday March 26 disclosed that delegate are now forbidden from overriding the algorithm built into the program, leading some to state this is an aged care form of the 'robodebt' scheme launched under the coalition government.

Pension increase offers small reprieve for older Australians: COTA Australia

COTA Australia has welcomed the latest increase to the Age Pension, saying it will provide some relief for older Australians facing ongoing cost-of-living pressures.

The increase is the result of the regular, twice-yearly indexation of pensions and allowances, which is based on the Consumer Price Index and other cost-of-living measures.

COTA Australia Chief Executive Patricia Sparrow said while the boost would help, many older Australians remain under significant financial strain.

“Many older Australians are carefully managing every dollar, and additional income will help ease pressure on household budgets,” Ms Sparrow said.

“While it won’t solve the cost-of-living pressures many people face, an increase in the pension will make a small difference when it comes to managing rising costs for essentials like food, energy, insurance and healthcare.”

Ms Sparrow said the increase comes against a backdrop of persistent financial hardship for many older people.

“The idea that all older Australians are wealthy is a myth. For those struggling with skyrocketing costs, the extra money in their pension each fortnight will bring real relief.

“COTA’s recent State of the Older Nation report found one in four older Australians are living in poverty. There is much more work to be done to ensure Australia’s safety net keeps pace with rising costs and economic pressures.

“Of course every dollar helps, but rising unemployment and cost of living pressures make it even more important for Australia to ensure our safety net sufficiently supports people who bear the brunt of the economic fallout.

COTA Australia is calling on the Federal Government to continue strengthening supports for older Australians on the lowest incomes.

“Forced to choose between health and household budget”: NSA releases 2026 Federal Budget recommendations

“Older Australians should not be forced to choose between their health and their household budget” – is the message National Seniors Australia (NSA) is taking to government as the peak consumer body releases its 2026 Federal Budget Submission.

Informed by NSA’s 285,000+ community members, the 13 recommendations provide valuable insight for government to improve the lives of seniors as they battle rising insurance premiums, out-of-pocket medical costs, and living expenses that squeeze household budgets and stretch many to breaking point.

According to the most recent NSA social survey, age pensioners reliant on the pension as their sole source of income worry most about energy and insurance costs; part-pensioners and self-funded retirees worry most about their capacity to afford private health insurance.

“In our latest Federal Budget Submission, NSA is calling for bold, practical reforms that will directly ease these health-related and cost-of-living pressures,” NSA Chief Executive Officer Mr Chris Grice said.

“Private health insurance has become increasingly expensive as premiums continue to climb. Out-of-pocket specialist costs, in addition to these increasing premiums, are also out of hand.

These risk pushing private health beyond the reach of ordinary Australians.

“Seniors are also battling the rising costs of essentials, from food and rent to transport and utilities.

“NSA’s budget recommendations address these challenges head-on, with targeted reforms across concessions, energy, pensions, and housing.”

Health Recommendations
  • A Productivity Commission review of private health insurance to identify structural problems and pave the way for reforms that deliver value for insurers, government, and most importantly, for older Australians who rely on the system most.
  • A targeted Seniors Dental Benefit Scheme to provide eligible pensioners with $500 per year to help meet dental costs. NSA research shows cost is a significant barrier to dental.
Cost-of-Living Recommendations
  • Concession extras card – a new targeted pensioner concession card to deliver higher concessions for essential services to pensioners with limited income and savings.
  • Continue to slowly lift deeming rates in line with indexation to soften the blow since the freeze was lifted.
  • An increase to rent assistance to ensure older people meet rising costs.
  • A targeted $150 energy credit for households that don’t have the benefits of solar or batteries.
“There are also several recommendations to improve our struggling aged care system – not least a call for more home care packages and for greater provider transparency,” Mr Grice said.

“These measures are practical, targeted, and designed to deliver immediate relief as well as long-term stability.

“It’s time for government to adopt strong and sensible policies that make meaningful change. We urge all those in Canberra to consider NSA’s policy recommendations for older Australians of today – and for generations to follow.”

To download and read the full submission, please click here.

‘Manners for machines’: how new rules could stop AI scrapers destroying the internet

T.J. Thomson, CC BY-NC
T.J. Thomson, RMIT University; Daniel Angus, Queensland University of Technology; Jake Goldenfein, The University of Melbourne, and Kylie Pappalardo, Queensland University of Technology

Australians are among the most anxious in the world about artificial intelligence (AI).

This anxiety is driven by fears AI is used to spread misinformation and scam people, anxiety over job losses, and the fact AI companies are training their models on others’ expertise and creative works without compensation.

AI companies have used pirated books and articles, and routinely send bots across the web to systematically scrape content for their models to learn from. That content may come from social media platforms such as Reddit, university repositories of academic work, and authoritative publications like news outlets.

In the past, online scraping was subject to a kind of detente. Although scraping may sometimes have been technically illegal, it was needed to make the internet work. For instance, without scraping there would be no Google. Website owners were OK with scraping because it made their content more available, according with the vision of the “open web”.

Under these conditions, scraping was managed through principles such as respect, recognition, and reciprocity. In the context of AI, those are now faltering.

A new online landscape

Many news outlets are now blocking web scrapers. Creators are choosing not to use certain platforms or are posting less.

Barriers are being put in place across the open web. When only some can afford to pay to access news and information, then democracy, scientific innovation and creative communities are all harmed.

Exceptions to copyright infringement, such as fair dealing for research or study, were legislated long before generative AI became publicly available. These exceptions are no longer fit for purpose in an AI age.

The Australian government has ruled out a new copyright exception for text and data mining. This signals a commitment to supporting Australia’s creative industries, but leaves great uncertainty about how creative content can be managed legally and at scale now that AI companies are crawling the web.

In response, the international nonprofit Creative Commons has proposed a new voluntary framework: CC Signals.

Creative Commons licences allow creators to share content and specify how it can be used. All licences require credit to acknowledge the source, but various additional restrictions can be applied. Creators can ask others not to modify their work, or not to use it for commercial purposes. For example, The Conversation’s articles are available for reuse under a CC BY-ND licence, which means they must be credited to the source and must not be remixed, transformed, or built upon.


Summary of CC licences. Creative Commons

How would CC Signals work?

The proposed CC Signals framework lets creators decide if or how they want their material to be used by machines. It aims to strike a balance between responsible AI use and not stifling innovation, and is based on the principles of consent, compensation, and credit.

Simplistically, CC Signals work by allowing a “declaring party” – such as a news website – to attach machine-readable instructions to a body of content. These instructions specify what combinations of machine uses are permitted, and under what conditions.

CC Signals are standardised, and both humans and machines can understand them.

This proposal arrives at a moment that closely mirrors the early days of the web, when norms around automated access (crawling and scraping) were still being worked out in practice rather than law.

A useful historical parallel is robots.txt, a simple file web hosts use to signal which parts of a site can be accessed by the bots that crawl the web and look for content. It was never enforceable, but it became widely adopted because it provided a clear, standardised way to communicate expectations between content hosts and developers.

CC Signals could operate in much the same spirit. But, as with any system, it has potential benefits as well as drawbacks.

The pros

The framework provides more nuance and flexibility than the current scrape/don’t scrape environment we’re in. It offers creators more control over the use of their content.

It also has the potential to affect how much high-quality content is available for scraping. Without access to high-quality data, AI’s biases are exacerbated and make the technology less useful.

The framework might also benefit smaller players who don’t have the bargaining power to negotiate with big tech companies but who, nonetheless, desire remuneration, credit, or visibility for their work.

The cons

The greatest challenge with CC Signals is likely to be a practical one – how to calculate, and then enforce, the monetary or in-kind support required by some of the signals.

This is also a major sticking point with content industry proposals for collective licensing schemes for AI. Calculating and distributing licence fees for the thousands, if not millions, of internet works that are accessed by generative AI systems around the world is a logistical nightmare.

Creative Commons has said it plans to produce best-practice guides for how to make contributions and give credit under the CC Signals. But this work is still in progress.

Where to from here?

Creative Commons asserts that the CC Signals framework is not so much a legal tool as an attempt to define “manners for machines”. Manners is a good way to look at this.

The legal and practical hurdles to implementing effective copyright management for AI systems are huge. But we should be open to new ideas and frameworks that foreground respect and recognition for creators without shutting down important technological developments.

CC Signals is an imperfect framework, but it is a start. Hopefully there are more to come.The Conversation

T.J. Thomson, Associate Professor of Visual Communication & Digital Media, RMIT University; Daniel Angus, Professor of Digital Communication, Director of QUT Digital Media Research Centre, Queensland University of Technology; Jake Goldenfein, Associate Professor, Melbourne Law School, The University of Melbourne, and Kylie Pappalardo, Associate Professor, School of Law, Queensland University of Technology

This article is republished from The Conversation under a Creative Commons license. Read the original article.

This Mediterranean‑style diet could keep your brain sharp as you age – new study

luigi giordano/Shutterstock.com
Eef Hogervorst, Loughborough University

The Mediterranean diet – rich in olive oil, fish, vegetables and legumes – has long been linked to better heart health. Growing evidence suggests it may also help support brain health as we age, with a brain-focused variation of the diet drawing increasing scientific attention.

It is called the Mind diet. The name stands for Mediterranean-Dash Intervention for Neurodegenerative Delay – though what matters more than the acronym is what it actually involves: plenty of green vegetables, beans, whole grains, nuts, berries, poultry and fish, with olive oil as the main cooking fat, and limited amounts of red meat, butter, cheese, fried food and sweets. It combines the most brain-friendly elements of two well-studied eating patterns: the traditional Mediterranean diet and the Dash diet, which was originally developed to lower blood pressure.

A recent analysis from the long-running Framingham heart study examined the diets of adults aged 60 and over and assessed how these dietary patterns were associated with brain scan data collected later in the study. Those who followed the Mind diet most closely tended to have more grey matter – the tissue associated with memory and decision-making – and showed less overall loss of brain volume over time.

Both findings point in the same direction: that this way of eating may help keep the brain in better shape as we get older.

This is not the first study to suggest a link between diet and dementia risk. An earlier analysis combining 12 observational studies found an overall reduction in dementia risk of between 15 and 22% among people who followed Mediterranean-style diets, with the Mind diet showing the strongest effect of the three patterns studied. That is a meaningful difference, even if it cannot be taken as proof that diet alone is responsible.

Within the Framingham study, berries and poultry stood out as particularly beneficial for grey matter. This fits with what other research has suggested. Blueberries, for instance, have been the subject of several small trials, with one recent study finding improvements in memory even in people already showing early signs of memory problems.

Since red and processed meat have been linked to higher dementia risk in other studies, replacing them with chicken may be part of why poultry appears beneficial.

A factory worker putting sausages in a container.
Processed meat is linked to a higher dementia risk. sergey kolesnikov/Shutterstock.com

Some of the findings were less straightforward. Fried food, as expected, was associated with worse outcomes. But whole grains, generally considered one of the healthier staples, produced a surprisingly weak result.

The reasons are unclear, though large amounts of bread and pasta – even wholegrain varieties – may raise blood sugar enough to offset some of the benefits. The evidence on whole grains and brain health remains mixed, and this is one area where more research is needed.

It is also worth noting who, in the Framingham study, was most likely to follow the Mind diet. They tended to be women, non-smokers, well-educated, and less likely to be overweight or to have diabetes, high blood pressure or heart disease. All of these factors are independently associated with better brain health, which makes it genuinely difficult to untangle how much of the benefit comes from the diet itself, and how much from the broader lifestyle it tends to accompany.

What the science can and can’t tell us

This is the central challenge facing all research in this area. Most of the studies are observational, meaning they track what people eat and what happens to them over time, rather than randomly assigning people to follow a particular diet and measuring the results.

Observational studies can show associations, but they cannot prove cause and effect. Self-reported diet data is also unreliable at the best of times – and particularly so among people whose memory is already beginning to fail.

The few trials that have actually put the Mind diet to the test have produced mixed results. One small three-month study found no improvement in memory or thinking skills, though participants did report better mood and quality of life.

Another trial found improvements in both brain scans and mental performance, but the participants were obese middle-aged women who also lost weight during the study, making it hard to know how much the diet itself contributed. Three months is also a short window in which to expect measurable changes in brain structure, and longer trials may yet tell a different story.

None of this means the Mind diet is not worth following. The broader evidence – across multiple studies and populations – consistently points in the same direction, and there is little downside to eating more vegetables, berries, fish and olive oil.

But diet is only one piece of a much larger picture. Not smoking, staying active, keeping blood pressure and blood sugar under control, and maintaining social connections all appear to matter at least as much when it comes to keeping the brain healthy in later life.

The Mind diet is not a cure for dementia, and it would be misleading to present it as one. What the evidence does suggest is that the food choices we make over decades – not just in later life, but across adulthood – may quietly shape the health of our brains in ways that only become visible much later. That is not a guarantee, but it is a reasonable basis for eating well.The Conversation

Eef Hogervorst, Professor of Biological Psychology, Loughborough University

This article is republished from The Conversation under a Creative Commons license. Read the original article.

How much do you really need to retire? It’s probably a lot less than $1 million

Angel Zhong, RMIT University

Every few months, someone in the superannuation industry declares that Australians now “need” around A$1 million to retire comfortably. It’s a big, scary number.

But consumer advocates say most people can retire with far less.

Independent estimates suggest something closer to $322,000 is enough for many retirees who own their own home. So who’s right – and what assumptions drive these wildly different targets?


CC BY-NC

It’s easy to put off thinking about superannuation when retirement is years away. In this five-part series, we ask top experts to explain how to sort your super in a few simple steps, avoid greenwashing, and set goals for retirement.


What the two key benchmarks say

Two key organisations publish retirement benchmarks in Australia, and they paint very different pictures.

The Association of Superannuation Funds of Australia (ASFA), the lobby group for the super industry, publishes two lifestyle options in its 2026 Retirement Standard. This was recently updated to reflect a higher cost of living:

Modest retirement: Covers the basics – a budget car, basic private health insurance, one domestic holiday a year. This costs around $35,503 a year for a single homeowner, and the age pension (the regular government payment available to eligible retirees aged 67+) covers most of it. You’d only need around $110,000 in super.

Comfortable retirement: Includes top-level private health insurance, a newer car, regular dining out, and overseas travel. ASFA puts this at around $54,240 a year for a single homeowner, requiring roughly $630,000 in super. For couples, it’s about $77,375 a year, needing around $730,000.

These are significant sums – but well below $1 million.

Then there’s Super Consumers Australia, an independent consumer group that recommends a substantially lower amount.

Rather than imagining a lifestyle, the consumer group uses actual Australian Bureau of Statistics data on what retirees really spend. Its headline finding: a typical single retiree spending at the middle level out of three options needs just $322,000 in super.

Remember, retirees don’t have work-related expenses and they also enjoy a range of discounts on things such as council rates, electricity and medicines, which can really add up.

Part of the difference is the industry body, ASFA, has an interest in encouraging people to contribute more to their super. Its “comfortable” standard is higher than most Australians’ standard of living while working.

Why the numbers differ

The gap comes down to what each benchmark is measuring.

ASFA describes an aspirational lifestyle. Super Consumers describes what real retirees actually spend.

The age pension does a lot of the heavy lifting either way. At Super Consumers’ medium spending level, about 67% of retirement income comes from the age pension, and the remainder from your super balance.

But here’s a crucial new factor: the age pension isn’t keeping up with what retirees actually spend money on.

While the pension is indexed to inflation, retirees’ major expenses – insurance, rates, utilities, health care and food – have been rising faster than general consumer prices.

That means retirees who rely heavily on the pension are seeing more financial pressure than the headline inflation numbers suggest.

There’s a housing catch

Here’s the crucial fine print: every one of these benchmarks assumes you own your home outright when you retire.

That assumption is becoming shaky. Research shows the share of Australians aged 55–64 still carrying mortgage debt has tripled since 1990, and the average debt for that age group now exceeds $230,000. More than one in three Millennials expect to retire with a mortgage still running.

The ASFA budgets are built on the assumption of full home ownership. That means they do not include rent, mortgage repayments or major housing costs.

If you’re renting or carrying a mortgage into retirement, the required super balance can rise dramatically. ASFA estimates renters need $340,000–385,000 for a modest lifestyle – more than a homeowner needs for a comfortable one.

Super Consumers Australia presents a similar gap, estimating that a renter requires about $659,000 in superannuation, compared with only $322,000 for a homeowner.

With more people retiring with mortgage debt today than previous generations, both key benchmarks may underestimate housing-related stress for future retirees.

Man and woman sitting in a caravan
Planning for retirement starts with a realistic budget of what you will spend. Kampus/Pexels

The gender gap in retirement

Retirement targets are often discussed as if everyone starts from the same position. They don’t.

Australian women retire with about 25% less super than men. The gender pay gap (currently around 21%) compounds over a working life into a much larger retirement savings gap. Women also live longer on average, meaning their money needs to stretch further.

The government began paying super on parental leave in July 2025 – a meaningful step forward. But the gap remains significant.

What this means for you

There’s no single right number. But ask yourself these questions before chasing any benchmark:

  • will you own your home outright?
  • do you want to travel or are you a homebody?
  • are you planning for one income or two?

The gap between ASFA comfortable and Super Consumers medium is $8,497 a year in spending – but nearly $308,000 in required super. That difference is almost entirely lifestyle choice.

For a personalised estimate, the free MoneySmart Retirement Planner is a good starting point, or call the government’s free Financial Information Service on 132 300.

The $1 million figure isn’t evidence-based for most Australians. But the lower benchmarks all carry the same caveat: they assume you’re a homeowner. As more people retire with debt or as renters, even those more modest numbers may understate what you actually need.

Disclaimer: This article provides general information only and is not intended as financial advice.The Conversation

Angel Zhong, Professor of Finance, RMIT University

This article is republished from The Conversation under a Creative Commons license. Read the original article.

MWP Care Seeking Volunteers

Our business relies on the kindness of strangers...
Looking for a way to give back without giving up your lifestyle?

Become part of our Volunteer IMPACT Club and gain access to exercise classes, social events, Silver Surfers, tables at trivia as well as training and development workshops! Plus – have your petrol re-imbursed!!

Volunteering with MWP fits around your life and your schedule, letting you make a real impact in your local community. Enjoy meeting like-minded people, learning new skills, and knowing that your time is changing lives every day.
Your Time. Your Way. Your Impact. 

Find out more here: mwpcare.com.au/get-involved

u3a at Newport Community Centre: 

About Our Courses and Activities
Sydney u3a comprises seven regions covering the greater Sydney metropolitan area. The local one is U3A Northern Beaches Region.

Sydney u3a is managed and run entirely by volunteers who contribute time and energy to provide life-long learning and social activities for everyone.  Join in to enjoy the benefits of membership!  At the one affordable annual membership fee of $85.00 (less than $2 per week), you’ll get:
  • access to a wide range of courses and presentations
  • friendly and inviting social events in your region

Members can attend any course in any of the seven regions
  • Volunteers lead and administer the courses and talks
  • A wide range of topics is covered – from learning foreign languages to table tennis to history to book/movie clubs to philosophy to science related issues. There’s something for everyone!
  • Courses are held in a variety of local venues and via Zoom
  • Events, visits, tours and social activities are also offered
  • Full details of activities are listed each semester in the Course Book and on individual regional pages
From time to time there are changes to course details after publication of the Course Book. Please keep checking your region’s website or the website home page for updates.

u3a Northern Beaches Region
Our current newsletter includes up to date information on courses, events and any changes to the program.  Previous newsletters are available here if you missed any information or wish to refresh your memory.

Please note:  The newsletter is distributed to members by email at the end of each month. If you haven’t received the latest copy please check as it may have been captured in your Junk email folder. If this is the case, please adjust your settings so that you receive future newsletters as soon as possible. We also take this opportunity to issue a friendly reminder to contact us with your updated details if you change your home or email address. Thank you.

Pittwater Probus

When: 10:00am, second Tuesday of each month
Phone: 0405 330 613
  • Probus Club of Pittwater is an association for active male members of the community, and for those no longer working full time, wishing to join a club for a new lease of life.
  • Its purpose is to advance intellectual and cultural interests amongst its members and to provide regular opportunities to progress well-being through social interaction and activities, expand interests and enjoy the fellowship of new friends.
  • Our club membership is for men only, however partners are welcome and encouraged at our social events and activities, including our monthly speaker presentations and lunch following each meeting.
Pittwater Probus is a fun and friendship club where you can make new friends, listen to interesting guest speakers and participate in a wide range of activities including special lunches and dinners.

Meetings are held each month at Mona Vale Surf Life Saving Club, commencing at 10:00am on the second Tuesday of the month. Visitors are welcome to the meetings.

Pittwater Probus is a men’s only Probus Club, and wives and partners are encouraged to listen to guest speakers and also join in on our activities and functions.

There is a one-off joining fee of $20 and an annual membership fee of $50. New members are always made welcome.

Walk & Talk: Narrabeen

The Belong Club invites anyone to come and participate in the Belong Club Walking Group!

Every Tuesday we walk along the pathway beside the Narrabeen Lagoon, from the Tramshed Arts and Community Centre to Jamieson Park and back. The route is about 1.8km each way, and is estimated to take 45 minutes.

The up and back walk allows for people of any walking speed to participate and enjoy the walk at their own comfortable pace. Walkers often split into smaller groups naturally along the route allowing everyone to go at their preferred pace. The aim here is for everyone to be included and to have an enjoyable walk.

Our meeting spot is to the right of the Tramshed Community Centre, between the basketball court and kids playground.

Active and Healthy at any age

Staying physically active is the single most important thing you can do to stay fit and independent, as you get older. Age is no barrier, research shows that exercise, at any age, is worth the effort. If you are in any doubt about exercise, please talk to your doctor.

This website (https://www.activeandhealthy.nsw.gov.au/) can help you find an exercise program in your local area and provides information and tools that can assist you to increase your physical activity.

Join Healthy and Active for Life Online!

Healthy and Active for Life Online is a FREE 10-week healthy lifestyle program for adults aged 60 years* and over.

The program will help you learn how to make small, sustainable changes in your lifestyle to improve your health.

The program covers lots of topics including healthy eating and physical activity.
No prior knowledge or exercise experience is required!
*Aboriginal people aged 45+ years can register. 

Healthy and Active for Life Online will help you to be active by:
  • Providing online exercise programs for you to complete in the comfort of your home
  • Providing you with an exercise manual and log to keep you on track
  • Helping you to create realistic goals and increase your fitness
Peninsula Bridge Club - Founded in 1967, we are a key community hub on Sydney’s Northern Beaches. We contribute strongly to our community: with both social connectedness for those who need it and opportunities to learn and train for those with competitive sporting goals. 

The Club is a vibrant organisation hosting up to three bridge sessions a day. We have 37 permanently set tables – that’s 148 players. We host over 30,000 player sessions every year. This includes prominent tournaments and education events attracting players from across the region. 

We pride ourselves on the friendliness of the club and our strong community spirit. We support local charities but even more importantly we support community members by providing them with social connection and mental stimulus – irrespective of age and mobility.

Our clubhouse is at Warriewood.

We have a new Beginners Course starting the end of September.

Each 2-hour lesson focuses on learning by playing, with a break for tea and chocolate biscuits mid-way. The course runs for 6 weeks and costs $100, which includes text book and support materials.

After the lessons we offer “Help with Play” sessions to practise what you’ve learned; Mondays 7-9pm; Tuesdays 2.15-4.30; Fridays 9.15-11.30. ($7 for members & $12 for visitors – membership

We also offer more advanced lessons each month so you can continue to improve your game if you want. 

If you are keen to learn this great game, please call or email Cath Whiddon (Director of Bridge Ed at PBC): 9979 5752 or cwhiddon@live.com.

If you already know how to play, take a look at our website to see what’s on offer this month: peninsulabridgeclub.org.au

Peninsula Bridge Club Facebook page: www.facebook.com/peninsulabridgeclub

Profile Bayview Yacht Racing Association (BYRA)
1842 Pittwater Rd, Bayview
Website: www.byra.org.au

BYRA has a passion for sharing the great waters of Pittwater and a love of sailing with everyone aged 8 to 80 or over!

Issacs's Gardening Services: Seniors Looked After 

Our neighbour's son (Isaac Loveday) recently started his own gardening business here.  He lives at Warriewood.

Isaac has 10 years horticultural experience with Flower Power.   His listed expertise is:
  • Horticultural advice
  • Mowing & hedging
  • Landscaping & fertilising
  • Planting & turf laying
  • Weed & pest control
No job is too big or too small, and seniors will be looked after.
I have attached his Brochure & Business Cards.
Do you have anywhere in PON that we can advertise his business.  He is a young man & enthusiastic about his work.
J.M.

assistance to pay your aged care costs

It’s now easier to get help if you need assistance to pay your aged care costs.

Services Australia have improved their Aged Care Claim for financial hardship assistance form and made changes to some evidence requirements. They’ve made these changes so it’s easier for you to get help.

You may get help if you can’t pay your aged care costs and you’re either:
  • in residential or respite care
  • getting a home care package.
You can claim for financial hardship assistance if all of the following apply:
Before you claim, you should update your income and asset details as well as your partners if you have one. You may also be eligible for other payments and services.

Next steps

Pensioner water rebate

If you receive a pension, you may qualify for a rebate on your water bill. 

To be eligible, you’ll need a:
  • Pensioner Concession Card from Centrelink or Department of Veterans' Affairs, or
  • gold Health Card (also known as a gold card) that shows:
  • war widow
  • war widower
  • extreme disablement adjustment (EDA)
  • totally and temporarily incapacitated (TTI)
  • totally and permanently incapacitated (TPI).
You’ll also need to be the owner and occupier of one of the following:
  • single dwelling
  • dual occupancy
  • strata or company title unit
  • unit in a retirement village with a life term lease.
If you own the property with someone who isn't a pensioner, you may still get a rebate. This depends on your relationship with the other owner(s) and your eligibility.

Rebates are applied to each bill. 

You can claim your pensioner rebate by selecting your water supplier from the following list:

 Keep your Wits About You

A regular contributor suggests we all look at Lumosity to see if will suit keeping active mentally. Their website states: "improve Brain Health and performance. Designed by neuroscientists, Lumosity exercises improve core cognitive functions. Researchers have measured significant improvements in working memory and attention after Lumosity training. Dozens of research collaborations help improve the Lumosity training program and its effectiveness." You can visit their website to decide for yourself  at: www.lumosity.com/app/v4/personalization

Australian Government Dept. of Health: Hearing Devices for Seniors

Australian Government's Hearing Services Program (the program), offers the option of being fitted with a hearing device if a hearing assessment identifies you have a hearing loss and a hearing device may assist you. 

You will be given a recommendation for a fully subsidised hearing device, and may also be offered the option of purchasing a partially subsidised hearing device. These devices have been approved by the Office of Hearing Services.

You can find out more about this program on the Australian Government's Department of Health webpage on the program here

Mah Jong returns to RPAYC

THURSDAYS 5PM - 7PM 

Everyone is welcome, from novices to experienced players! Sharpen your mind, connect with friends, learn a new skill or refresh your existing game. Mah Jong if fun for all!

For more information contact Leigh Hudson 0408 941 665.

Stay for dinner in Halyards - book your table online HERE 


Community Connect

Need help on where to go to find the community information and assistance you need?

At Community Connect Northern Beaches, our professional staff and trained volunteers are knowledgeable, friendly and approachable and we will be only too pleased to help you find the service you want. We provide information and support, as well as advocacy and referral to other non profit community services and government agencies.

If we can’t help you we will get you someone who can. If you are newly arrived or do not have an English speaking background we can offer individual advice and support. Or Why not come to Specialist Community Support Workshops: Family Law, Power of Attorney plus Wills and Executors; Domestic Violence Support and Prevention; Positive Community Integration ; Crime Prevention; Or  Our Free English Classes. 

We also provide information on: Family Services: Child Care, Personal Support & Counselling; Health (Including Mental Health) ;  Material and Practical Assistance ; Advocacy to access state and federal MP assistance; Accommodation and Tenancy (help with form filling); Legal and Financial Matters ; Consumer Affairs ; Multicultural Issues; Conservation and the Environment ; Employment and Education; Accessing Community Facilities  -You are welcome to call in for: Brochures, booklets and fact sheets on a range of topics; Service Directories e.g. Council Guides and Migrant Directories; Publications e.g. The Senior newspaper and Nova.

Access to our community information data base, internet, email, fax and photocopying.(Please note there is a small charge for photocopying and use of the fax to cover the cost of paper, toner and fax call).  We also offer: A Legal Referral Program - Monday 1pm to 2pm at our 30 Fisher Road, Dee Why office.  Taxation Assistance for low income earners and pensioners from July to October. 

What does it cost?: Our services are free, however we are always grateful for a small donation where possible. The program is supported by NSW Department of Family & Community Services (FACS). CONTACT US: Phone: 02 99317777.

 Australian Ageing Agenda

Australian Ageing Agenda (AAA) is an independent and authoritative bi-monthly publication for people who work in or around the aged care and retirement sectors in Australia. It provides a broad range of news, education and opinion with an emphasis on knowledge sharing and research translation.

Each issue also contains regular updates on relevant business and financial issues along with a selection of well researched features on crucial systems and operations, clinical care, technology, built environment and other issues relevant to the ‘ageing sector’. AAA leads the way with the industry’s most comprehensive conference details and remains Australia’s number one source of news and information about ageing issues and aged care.

Have a look at their comprehensive website HERE

Older Persons Advocacy Network (OPAN)

Older Persons Advocacy Network offer free, independent and confidential services that focus on supporting older people and their representatives to raise and address issues relating to accessing and interacting with Commonwealth funded aged care services.

Older Persons Advocacy Network  seek to ensure that aged care consumers understand and exercise their rights and participate, to the maximum degree possible, in the decisions affecting their care.

Older Persons Advocacy Network achieve this through the delivery of individual advocacy support, information and consumer and service provider education.

Nine State and Territory based organisations form the OPAN network. Older Persons Advocacy Network is funded by the Australian Government to deliver the National Aged Care Advocacy Program (NACAP), providing a national voice for aged care advocacy.

ADVOCACY
Older Persons Advocacy Network organisations offer free aged care advocacy services that are independent and confidential

INFORMATION
Older Persons Advocacy Network organisations provide free information about aged care service provision, referrals and the rights and responsibilities of consumers

EDUCATION
Older Persons Advocacy Network organisations offer free information and education sessions to consumers and providers of Commonwealth funded aged care services

Country Pensioner Excursion ticket: NSW Public Transport

Parents missing out on REAL face time? If they have a Pension Card, sign them up & they could get unlimited $2.50 Country Pensioner Excursion tickets*.
Call 13 22 32 to sign up.

Country Pensioner Excursion ticket (CPE)
A Country Pensioner Excursion (CPE) ticket is an affordable ticket for eligible pensioners and seniors to travel by train in regional NSW and the ACT.

For $2.50 you can book an economy class seat on a NSW TrainLink 

Regional train service. You will need to book 7 days or less in advance

Seniors Toy Repair Group needs your help

Volunteers are sought to help out on Wednesday mornings (7.30am to midday) at the group's workshed in Ingleside. Volunteers need their own transport and be willing to sort and clean toys that are picked up at different collection points on the Northern Beaches. 

Prospective volunteers can call Terry Cook on 0410 597 327 or email himFind out more about this great community group HERE


Tech Savvy Seniors

Tech Savvy Seniors provides free or low cost digital skills training on how to use computers, tablets and smartphones to keep in touch with family and friends, access essential services, conducting personal business and discover more about the things you are interested in.

Join the thousands of people over 60 who have already completed this fun, practical training and made new friends in the process.

With over 150 training locations across NSW as well as resources online it has never been easier to build your digital skills and confidence, with training available in a range of languages. To find out more about training sessions available near you, visit the Tech Savvy Seniors website to find your local library or community college provider.

For here: 
  • Northern Beaches Council Library at Glen Street, Mona Vale, Warringah Mall 02 9976 1720 
  • Northern Beaches Community College Inc at Narrabeen, Brookvale, Mosman (02) 9970 1000 enquiries@nbcc.nsw.edu.au
The Tech Savvy Seniors website also contains a great range of ‘self-teach’ videos and free digital literacy training resources available to make it easy to learn at your own pace to develop your digital skills from the comfort of your home.

Tech Savvy Seniors is a NSW Government initiative in partnership with Telstra.

Manly Sailability Needs Volunteers

We have a fantastic team of volunteers who help us with a range of jobs. A roster system ensures that we don’t overdo things but many of our volunteers nevertheless are there even when they’re not on the roster. We set up a marquee for shade, put out the urn for tea and coffee, bring the boats out from the shed, set up the boats and put them into the water, sail the boats, ensure that everyone signs in, operate the radio, observer on the safety boat, and at the end of our day’s sailing, do all this in reverse.

You don’t have to be a sailor to be a volunteer, landlubbers are most welcome too. And some of our volunteers are themselves disabled.

Volunteering for Sailability Manly will give you many amazing personal rewards… for starters, what better way of spending a few hours on a Saturday than on Manly Cove? And you’ll find that you will grow as a person through meeting and interacting with a diverse range of wonderful and inspiring people with various disabilities. 

If you’re not a sailor don’t let that stop you – we have numerous things that need doing on the jetty and we’re happy to take you for a sail or even train you to become a sailor if you wish. 

Please help us share Freedom on the Water, regardless of ability, by getting involved and contact  secretary@manlysailability.com.au

Spectacles Program

The NSW Spectacles Program provides glasses and visual aids to eligible recipients who might be at risk of a preventable decline in their eye health.

If you're eligible, you can receive free of charge in any 2-year period:
  • one pair of single vision glasses, or
  • one pair of bifocal glasses.
Contact lenses, tinted lenses or low vision aids may be provided in certain circumstances.

You are eligible if you:
  • receive a full Centrelink pension/benefit
  • have no other income other than the Centrelink payments
  • have financial assets less than $500 (if single) or $1000 (if married/partnered or parent/guardian)
  • are a low-wage earner who earns less than:
  • the JobSeeker Payment if you're under 65, or
  • the aged pension if you're over 65.
People living in regional/remote areas and Aboriginal and Torres Strait Islander peoples may also qualify for the subsidy. At your appointment, your provider will use the program’s online portal to check your eligibility using the information you've supplied.

Visit Vision Australia for more details on the program, your eligibility and how to apply, at:

AvPals 

Avalon Computer Pals (AVPALS) helps Seniors learn and improve their computer skills. It is a not for profit organisation run by volunteers. 


Started in 2000 it now has 20+ trainers and many hundreds of students. At a really low cost (about $50 a school term) they can provide one-to-one training on most matters connected with computing and related technologies like mobile phones and digital cameras. From the smallest problem (how to hold the mouse!) to much more serious matters, there is a trainer who can help.

We offer “one to one” personal tuition or special short courses in the training rooms under the Catholic Church in Avalon. Training is conducted Monday to Friday from 9am to 4pm. For more information visit AVPALS web site www.avpals.com or phone 02 8064 3574

Keep up to date on our Facebook page

Find out more at: www.avpals.com

Home Instead Sydney North Shore & Northern Beaches

We are a provider of quality home care and companionship services for seniors in the Northern suburbs of Sydney. 

To you, it’s about finding trustworthy care for your ageing loved one. To us, it’s about providing the highest-quality in-home care services to fit you and your family’s needs.
To Us, It's Personal.

We provide services to all areas and suburbs in the North Shore and Northern Beaches of Sydney.
Telephone: (02) 9144 2322

Pittwater-Narrabeen Parkinson’s Support Group

The purpose of our group is to support seniors (55yrs +) living with Parkinson’s, their carers, relatives and those who have lost a partner to Parkinson’s, who live on the northern beaches of Sydney.

This support Group has been meeting for around 30 years on the Northern Beaches. Our meetings aim to help reduce the social isolation, and increase community connectedness for our members. Through guest speakers, discussions, and group activities, our meetings will support and promote mental health, healthy lifestyles and well-being.

Our Facebook webpage will be used to store resources and links, and provide another way to safely keep in touch, for those who want to use Facebook. We also have a website that is regularly updated https://wheresdot.wixsite.com/nbpdsupportgroup

We meet regularly and have been meeting at Jamieson Park, The Esplanade, Narrabeen.

Give Dot a call for more information: 0418 640 086 and join our Facebook group: https://www.facebook.com/groups/1063258404504502

Pensioner's Concessions: Council Rates

Did you know that Pensioners are entitled to concessions on their Council Rates? Concessions are available for eligible pensioners. To be an eligible pensioner you must receive a pension from either Centrelink or the Department of Veterans’ Affairs, and be entitled to a pensioner concession card issued by the Commonwealth Government. You can only claim a concession on the property if it is the sole or principal place you live.

If you are eligible, you are entitled to:
  • Half of the total of your ordinary rates and domestic waste management service charge, up to a maximum of $250.
  • Half of your water rates or charges, up to a maximum of $87.50.
  • Half of your sewerage rates or charges, up to a maximum of $87.50.
To apply, you need to complete a pensioner concession application form. You can obtain these forms from your council - download our area's one HERE