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  • Boy, 5, dies hours after being sent home from Sydney hospital

    2019 - 09.27

    A five-year-old boy has died less than 10 hours after being sent home from a Sydney emergency department.
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    The boy, from Wahroonga, had complained of a sore stomach on Wednesday night and ate very little before going to bed, The North Shore Times first reported.

    He woke up several times during the night in pain, his parents told police, before they took him to Hornsby Ku-ring-gai Hospital with stomach pain on Thursday morning.

    After four hours at the hospital, the boy reportedly passed a stool and felt a little better, before he was sent home from the hospital about 7am. Doctors reportedly told his parents to monitor him.

    But the boy deteriorated rapidly and he was rushed to Sydney Adventist Hospital at 2.15pm, police confirmed. He died two hours later.

    NSW Police established a crime scene at the family’s home, but have now deemed the death not suspicious.

    The case has been referred to the coroner.

    A corporate communications officer said North Sydney Local Health District (NSLHD)could not comment while the case was before the coroner.

    NSW Health Minister Brad Hazzard has asked for a full report from the NSLHD about the boy’s death.

    “I can’t imagine how his family are feeling and I express my deepest sympathy to them,” Mr Hazzard said.

    “In addition to the review that the Local Health District and hospital will undertake, I anticipate that the circumstances will be investigated by the Coroner.”

    On Tuesday Labor health spokesperson Walt Secord called for an independent investigation into the resourcing of Hornsby Hospital and a proposed upgrade.

    “This is heartbreaking. It will be devastating and every parent’s nightmare. Put simply, this is a tragedy,” Mr Secord said.

    “Imagine going home after seeking medical attention and then it seems to go all wrong.

    “Hornsby Hospital was under enormous pressure and had more than 40,000 patients go through its emergency department every year,” he said.

    “Hornsby Hospital lurches from crisis to crisis. Doctors, nurses and allied health workers say they are working with one arm tied behind their backs due to the lack of the much-needed upgrade.”

    This story Administrator ready to work first appeared on 苏州美甲美容学校.

    Caroline was made redundant two days before going on maternity leave

    2019 - 09.27

    Making a pregnant employee redundant has been found to be unlawful because it was done two days before she was due to start maternity leave.
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    The Federal Circuit Court heard that Caroline Power discovered she was pregnant two years after she began working for gas and welding company BOC. Her parental leave was approved to start on November 6, 2015, but her employment was terminated on November 4.

    She was one of eight employees nationally to be made redundant as a result of a business restructure.

    The court found there was a genuine business case for Ms Power’s redundancy, but it was unlawful because it was brought forward due to her workplace right to take parental leave.

    Sydney lawyer Kerryn Tredwell, a partner at Hall and Wilcox, said there was a “lesson for employers” that the timing of a decision to dismiss an employee in similar circumstances was “crucial”.

    While it was not unlawful to make a pregnant employee redundant, Ms Tredwell said an employer should seek advice to minimise risks and ensure an employee was not disadvantaged as a result of being pregnant or exercising a workplace right to take parental leave.

    Eight redundancies were to take effect on November 12, 2015, but because Ms Power would have to come back from maternity leave, she was dismissed two days before she took leave.

    Federal Circuit Court Judge Salvatore Vasta said while he found there was a business case for Ms Power’s redundancy, it was a redundancy that should have been made on November 12, 2015. Ms Power was not given the benefit of return to work protections under the Fair Work Act or safeguards under the company’s redundancy policy, because the policy was not applied.

    “The bringing forward of the date of redundancy is adverse action,” Judge Vasta said.

    If the redundancy had been carried out on November 12, Ms Power would have been protected by the Fair Work Act’s return to work guarantee.

    “I am pleased with the decision. It’s been a long and stressful ordeal so I am happy to finally have some closure,” Ms Power told Fairfax Media.

    Ms Tredwell said the employer failed to convince the court that it brought the date forward with Ms Power’s best interests in mind.

    “As a result of the decision to bring forward the termination date, Ms [Power] lost her right to parental leave (including a portion of company paid leave) and the return to work guarantee,” she said.

    Ms Tredwell said there was no legal prohibition to making someone redundant when they were pregnant or when they were on maternity leave.

    “That can be done lawfully, but real care needs to be taken,” she said.

    “It all comes down to what is the reason for this decision. If any part of the reason is the pregnancy or the parental leave or the carer’s responsibilities, then that’s when discriminatory considerations arise.”

    The burden of proof fell on BOC to prove that no part of its decision to make Ms Power redundant was connected with her parental leave or pregnancy.

    “The evidence from the company was that the reason for bringing forward her retrenchment was because she was going on parental leave. They made a mistake bringing it forward,” Ms Tredwell said.

    “If they had left it and made her redundant with everybody else the following week, then provided they could prove there was no suitable alternative job for her, they could have done it lawfully. It was really that timing error that let them down.”

    Judge Vasta adjourned the matter for an assessment of damages and potential penalties against the company. Ms Tredwell said this hearing is listed for September 18.

    BOC declined to comment.

    This story Administrator ready to work first appeared on 苏州美甲美容学校.

    Marshall leaving highlight plays in the past to focus on leadership

    2019 - 09.27

    Brisbane Broncos player Benji Marshall (centre) is seen during training in Brisbane, Tuesday, September 5, 2017. The Broncos will meet the Roosters in their first Final game on Friday. (AAP Image/Dan Peled) NO ARCHIVINGA year in the Queensland sun has helped Benji Marshall discover a vintage passion for the game. But don’t think that means he intends to turn the clock back to his days as the game’s premier entertainer as he pilots Brisbane against the Roosters in Friday’s qualifying final.
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    Marshall has spent half of the season with Redcliffe in the Intrust Super Cup yet now looms as a key man for the Broncos as they travel to Allianz Stadium. Injury to Darius Boyd has forced Wayne Bennett into a reshuffle, with Marshall to step in at halfback alongside Anthony Milford.

    When he was at his ad-lib best for the Wests Tigers, a club he will rejoin next season, Marshall rarely took a back seat. Now he’s happy to play the reliable foil to Milford’s creative streak as the Broncos seek to overcome a raft of key injuries and put themselves in the grand final race.

    The 32-year-old responded with mock outrage at the suggestion he’d thrown a flick-pass in training at Red Hill on Tuesday, although he was raining some soaring torpedo bombs on the tryline in a sign that Michael Gordon can expect a busy night at the back for the Roosters.

    “I don’t need to be the Benji Marshall of old,” Marshall said when asked if he was ready to find the kind of form that helped the Tigers to the 2005 premiership.

    “I’ve created a new title to the way I’ve been playing lately. It’s not so erratic and not so out-there. I’ve got a job to do for our team, which is to lead the guys around. I suppose I have to be that steadiness on the field and that’s the role I’m going to play.”

    Marshall’s short sting at the Broncos was a gamble for both player and organisation, but both near its conclusion with satisfying results. Marshall credits his move with rejuvenating his love for the game, while Brisbane are fortunate to have a player of his experience as injury strikes.

    “It’s been a positive year. People might think it’s up and down. Coming to Brisbane has been the best thing to happen to me in my career. Just playing with this bunch of players has been a privilege. I’ve learned a lot about myself this year, more than I have in the last 12,” Marshall said.

    “To put myself back on the map a bit and prove I can still play footy, it’s been quite a positive for me. Probably the best thing that’s happened to my career.”

    Brisbane’s best spine would be Boyd at fullback, Ben Hunt and Milford in the halves and Andrew McCullough at hooker. Only Milford finds himself in the same spot for the clash against the Roosters, with Hunt in the scrum, Marshall in seven and Kodi Nikormima at the back.

    That should put the Roosters in the driver’s seat at their home ground, while Mitchell Pearce gets another chance to stand up and be counted in a big game for the Tricolours, who will start as favourites.

    Marshall knows Pearce has been a lightning rod of criticism over the years, particularly for NSW, but said that was simply a byproduct of playing in such a hands-on position.

    “That’s part and parcel of playing in the halves. I’ve been through it myself. When the game is on the line, your position has to touch it more than anyone on the field,” Marshall said.

    “I don’t think he deserves it but you have to take the good with the bad when you play in the halves. Unfortunately for Mitchell, some of those times have been when NSW haven’t won.”

    This story Administrator ready to work first appeared on 苏州美甲美容学校.

    Add style to your bedroom

    2019 - 10.13

    Looking for inspiration to style your bedroom. Sealy drew upon its 75 years in the Australian bedding industry to provide these tips.
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    Tip 1: Use colour to harmonise elements.

    Crisp whites are classic, clean and energising, but can look sterile if not paired with coloured accents or varied in texture. Solid, subtle creams, beiges, taupes and muted shades of blue are softer alternatives that are less likely to age than trendy geometrics and graphic patterns.

    Tip 2: Use your budget wisely.

    Upcycling can be fun and is a wonderful way to reduce wastage when revamping an outdated room. Refreshing an aging dresser with simple silver hardware or a new finish, for example, is a relatively inexpensive way to breathe new life into your daggy decor.

    Other aspects of your bedroom interiors however, such as a supportive mattress that allows you to sleep restfully, are worth investing in. There should be no skimping when it comes to your health -you spend one third of your life in bed, after all -but there are plenty of creative ways to acquire minimal, classic pieces of furniture and decor on a budget.

    Tip 3: Keep your comfort at the forefront.

    Generously layering plush pillows over your bed will create the feel and appearance of abundant luxury. The rest of your bedding, however, should be easy and practical. A temperature ranging between 16 and 20°C is ideal for a restful night’s sleep, so opt for fresh, light bedding in the summertime. In the cooler months, soft, textured throws and cozy knits in versatile neutrals are a great investment for adding warmth.

    Tip 4: Declutter your space to the best of your ability.

    Space is luxurious and liberating, while clutter only serves to collect dust. Unfortunately, many of us are in the habit of cluttering our nightstands with our personal belongings, and hanging on to every beautiful piece of decor we come across. Less is more, so resist the urge to hang on to anything that a) isn’t useful, or b) doesn’t vibe with the rest of your interiors.

    If minimalism is something that you struggle with, take it slow: aim to donate, gift or recycle one belonging of yours per week, and usespace savers, hidden storage or a storage locker for the rest of your non-essentials.

    Tip 5: Add a touch of personality to your interiors.

    Clean and classic doesn’t have to be mundane, in the same way that playfulness doesn’t have to be messy. Fresh greenery and a captivating artwork are two great ways to bring life to your space in a way that’s tasteful, and work especially well bringing balance to a mature master bedroom. See your local nursery for a low-maintenance indoor plant that will add effortless pep to your interiors, or pick out a beautiful, calming piece by your favourite local artist.

    To sleep, perchance to dream: Deep, dusty blue hues are perfectly paired with dark, romantic plum hues in this chic bedroom interior by Sealy.

    PM to AGL on Liddell: help

    2019 - 10.13

    Closure: Liddell power station near Muswellbrook. The station’s future is a national issue as its closure in 2022 has prompted increasingly alarmed predictions of a looming energy crisis across the eastern states. AGL Energy says it has made no commitment to sell Liddell power station after Prime Minister Malcolm Turnbull on Tuesday said the company may be open to selling to a buyer willing to keep it open beyond 2022.
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    In a statement to the Australian Stock Exchange on Wednesday AGL reaffirmed comments it made on Tuesday and Monday about closing Liddell and “getting out of coal”, after Mr Turnbull told parliament he had had discussions with the company about extending operations until at least 2027.

    ”AGL recognises community and government concerns in relation to energy security, as highlighted in the Australian Energy Market Operator’s 2017 Electricity Statement of Opportunities published yesterday, and continues to assess the capacity that will be needed post 2022 to replace Liddell,” the statement said.

    “AGL will continue to engage with governments, regulators and other stakeholders to deliver appropriate outcomes, but notes that the company has made no commitment to sell the Liddell Power Station nor to extend its life beyond 2022.”

    The company said its aim was to “prosper in a carbon-constrained world and build customer advocacy as our industry transforms”.

    Liddell power station could remain open beyond its2022 closure date under a proposal to usegas in a re-purposed facility, some Hunter community leaders have been told.

    Upper Hunter MP Michael Johnsen said he had been briefed on a tentative gas future for the site as part of AGL’s broader rehabilitation discussions. An AGL spokesman said there were “no specifics” as it pursues a rehabilitation and transition plan.

    Hunter MP Joel Fitzgibbon called Mr Turnbull’s comments on Liddell increasingly desperate, referring to how Mr Turnbull described hisrequest to AGL to extend the life of Liddell beyond 2022 as “discussions”.

    “We know AGL slapped down Barnaby Joyce when he raised the question of building new clean-coal generators. He was told it was too expensive, would take too long, and the company would not ask its shareholders to risk it,” Mr Fitzgibbon said.

    “It’s even more unlikely AGL -which has been running television commercials promoting its withdrawal from coal generation -would invest the money needed to extend Liddell. Then again, I suppose it depends on how muchtaxpayers’money the Prime Minister is prepared to throw at AGL to run the plant for another fiveyears.”

    In a statement after Mr Turnbull’s comments AGL said the company was committed to the closure of Liddell in 2022, and was “actively assessing what capacity will be needed post-2022”.

    “We, along with other market participants, will consider AEMO’s report in light of these plans,” AGL said.

    On Monday night AGL chief executive Andy Vesey reaffirmed his position on Liddell by tweeting: “We’re getting out of coal.”

    Mr Fitzgibbon said he had not been briefed on any gas proposal for Liddell, but one of the biggest issues was the availability of gas.

    “I’ve been advocating gas generation in the Hunter as a transitional fuel. I strongly support that approach either through retrofitting or new gas-fired generators. We have the land, the skills, and the transmission lines but we must get more gas to the east coast market,” he said.

    In August AGL released a rehabilitation program for Liddell designed to attract proposals from around the worldfor the“post coal” use of the power station assets. The most economic optionwould not be coal or baseload gas, but a mix of energy from wind and solar supported by mechanisms including battery storage.

    In a statement released on Tuesday night, AGL said it was committed to the “decarbonisation of our generation portfolio and doing this in a measured and orderly way”.

    “This means not extending the operational life of our existing coal fired power stations,” a spokesperson said.

    “We are committed to working with our employees and we have already started working with local business, industry, government, and educational institutions to identify new investment prospects, encourage economic diversification, and create new employment opportunities in the Hunter.

    “Our rehabilitation report outlines the process we will implement to identify possible reuse of the Liddell site for alternative energy or industrial activities, with subsequent employee opportunities.

    “We have not identified a specific post closure solution. The AGL rehabilitation report highlights the commencement of the transition project, designed to identify potential opportunities for the Liddell power station post 2022.”

    Tips and hints for hiring tradies

    2019 - 10.13

    Reliable, valuable tradespeople arearguably the most integral part of any home project. Here are ninetips on how to find them.
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    1. Ask to see their licence

    Most tradespeople are required to carry a licence that verifies their position. Trades such as electrical, plumbing and building also require formal qualifications. An exception is sub-contractors, such as tilers, who can work for someone who holds a licence.

    2. Don’t compromise on insurance

    There are two types of insurance tradespeople should have: if a tradie gets injured on the job, their income protection will cover their own losses, but their liability insurance will cover any damage that occurs to your property during work.

    3. Insist on a written quote

    Ask for a written, itemised quote, no matter the value of the job. This gives you recourse if things go wrong. For larger jobs this should be a contract (requirements vary between states). Confirm whether your quote is fixed or merely an estimate, and whether it includes GST. Always get multiple quotes from different suppliers and ask why the prices differ.

    4. Verify any reviews

    Some service providers may post fake reviews to ensure potential clients will discover glowing reports from multiple sources. Try also contacting those who have left reviews for the tradesperson and ask them for more details on the job.

    5. Value professionalism

    Some traits to be wary of are a lack of communication and regular tardiness, as well as tradespeople who don’t provide a clear timeframe of their arrival. Their general manner can also be a good indicator of their professionalism down the track.

    6. Never pay upfront

    Final payment should not be requested until the job has been completed and you are satisfied with all work in accordance with current regulations. But payments for materials are reasonable.

    7. Request a completion date

    A completion date should be provided by the tradesperson before works begin and should only be strayed from due to unavoidable conditions such as weather delays.

    8. Beware of cash jobs

    Be wary of any tradespeople who insist on cash payments with a cheaper price tag that excludes GST, as this can be a huge risk for your insurance. It’s important to receive a tax invoice or receipt for the work completed.

    9.Know your rights

    If works are unfinished or not complete to a satisfactory standard, your tradespeople should be held accountable. The first thing to do is raise your concerns with the tradesperson or company. You can also withhold your final payment until the agreed work has been completed to standard.

    KNOW YOUR RIGHTS: You are entitled to know what you’re getting, and for what price, before you commit to a tradesperson.

    Boogaard steeled for test against Sydney

    2019 - 10.13

    ON THE BALL: Nigel Boogaard is confident the Jets defence will be up to the task of handling Sydney FC on Saturday. Picture: Max Mason-HubersCAPTAIN Nigel Boogaard was bewildered, almost embarrassed, at the Jets’ feeble finish to last season.
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    In contention for the play-offs in January, the Jets’ campaign flatlined, culminating with the six straight losses to collect the wooden spoon and cost coach Mark Jones his job.

    They leaked a whopping 53 goals to have the equal worst defence alongside Perth.

    And while much of the focus of the pre-season has been on the Jets new-look attack, Boogaard has made it clear that “we can’t concedeanywhere near as many goals as we did last year”.

    Boogaard has a new central partner in Nikolai Topor-Stanley and the arrival of right back Daniel Georgievski has added further experience to the back four.

    “The whole game plan is different,” Boogaard said. “We defend from the front and really try to put teams under pressure in their own half. That alleviates a fair bit of pressure from us. The biggest thing is not conceding soft goals and goals from silly mistakes. Last season we gave away too many penalties and conceded from too many corners.”

    To date, the signs have been good. As you, would expect, they held firmagainst northern NSW NPL teams and regional opposition in Northern NSW and Canberra.

    They conceded from a corner in the 1-0 loss to Adelaide in the FFA Cup and also failed to clear a set piece in the 3-1 win over Melbourne City.

    “We haven’t been cut a part in terms of open play,” Boogaard said. “Melbourne City was good. We stuck to the game plan and made sure we pressed them in the right areas. They turned the ball over in areasErnie thought they would. It is about understanding the game and when you can press and when you can’t.Hopefully come round one, we are where Ernie wants us.”

    The Jets take on Sydney FC at Magic Park on Saturday in what Boogaard expects to be their biggest test.

    “They will be a tough and it will be a good marker for us on where we are at,” Boogaard said. “They have quality all over the park. Against A-League opposition, they make clever runs and try to out-muscle you.The more games you play as a back four, the better the understanding. It is about getting ready for round one.”

    Meanwhile, Hunter Sports High will take on Westfield Sports High in the final of the Bill Turner Girls Trophy at NNSW headquarters on Wednesday from 1.30pm.

    Hunter Sports beat Melbourne school Maribyrnong 2-1 in the semi-final on Tuesday.

    Whitebridge High will play-off for third in the Bill Turner Boys Cup after they went down 6-0 to Penleigh andEssendon Grammar.

    Shinn declares course proper for spring run

    2019 - 10.13

    TRACKSIDE: Newcastle trainer Kris Lees, right, gives jockey Blake Shinn instructions before Sound Proposition’s gallop on Tuesday. Picture: Simone De PeakJOCKEY Blake Shinn was confident Sound Proposition and Newcastle’s course proper would be perfect for next week’s spring carnival after an exhibition gallop on the surface between races on Tuesday.
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    Shinnhas been booked to ride Sound Proposition for thegroup 3 Cameron Handicap (1500m) at Newcastle on Friday week. The race is one of four group 3 events on Newcastle Jockey Club’s premier day.

    The inside section of NJC’s $11.2 million main track, which opened in March,has not been used since May after maintenance work in June.The surface has come in for criticism but Shinn saw no problems with it after taking the six-year-old gelding along the rail.

    Shinn declares course proper for spring run TweetFacebook Newcastle racingSimone De Peak images from Painted Lady’s win in race four and the exhibition gallop of Sound Proposition on Tuesday.“I couldn’t fault it, I could only be complimentary,” Shinn said.“The horse felt beautiful on the ground and he was happy to really let down, and it didn’t appear that he was kicking back anything.I could only go on what I felt, and the ground felt perfect.”

    Sound Proposition was clocked over the final 600m, running into a strong headwind,in 34.2 seconds and Shinn said “it just shows the track’s in really good order”.It also pointed to a strong showing from Sound Proposition, a group 1 winner in New Zealand, in the Cameron.

    “He think he’s a great ride,” Shinn said.“Obviously he’s got form over longer but he’s come up through the ranks nicely since joining Kris and I think after his little freshen up, he’s going to be extremely hard to beat.”

    Sound Proposition isunbeaten in two starts for Lees at Randwick but is likely to face stiff opposition fromstablemate and Missile Stakes champion Invincible Gem.

    Lees said Invincible Gem will “probably run in the Cameron” after her luckless third in the group 2 Tramway Stakes (1400m) last Saturday at Randwick. Hesaid“she will be hard to beat where ever she goes” and the four-year-old had come through the checked run well.

    As for the Newcastle Cup (2300m), Lees said he would nominate Wahng Wah, Admiral Jello and Doukhan, which finished second, third and fourth respectively in the same race at Randwick on Saturday, for the feature. Singing, fifth in the Wyong Cup first-up last Friday, was another nomination.

    “Singing had an encouraging first-up run and Admiral Jello, dropping back in weight, I think he’ll run pretty well,” Lees said of his best Newcastle Cup hopes.

    As for other chances at the Newcastle carnival, Lees saidPrincess Posh, which won at Wyong Cup day, would go to the group 3 Tibbie Stakes and “deserves her chance in a race like that”.

    The word trackside on Tuesdaywas five-time Melbourne Cup-winning owner Lloyd Williamswas set to nominate three horses for the Newcastle Cup.

    Meanwhile, Paul Perry will enterWyong Cup runner-up The Getaway and possiblyDer Meister for the Newcastle Cup, his son and stable foreman, Shannon Perry, said. The Newcastle trainerhad a winning double at home on Tuesday with San Francisco and Painted Lady, which could be nominated for theTibbie Stakes.

    ‘I maxed out my credit with $3500 of homewares in a manic episode’

    2019 - 09.27

    Melbourne street artist Akemi Ito* once maxed out a credit card in a single day buying $3500 of homewares online.
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    “Back then I could get credit cards,” he says of the time in the late 1990s. “Now my credit history is so appalling I can’t get credit cards.”

    As someone living with bipolar, the 39 year-old’s spending spree arose out of a manic episode. More recently, his manic episodes have led him down the path of borrowing from pay-day lenders charging a monthly interest rate of 34 per cent.

    His manic period might last about three months and is often followed by about five months of depression. While he’s reached championship levels in archery; put his electronics skills to work at Siemens; and initiated pop-up shows of his art in his life, it’s difficult to maintain regular employment. He now lives on a disability support pension.

    “At present I’ve managed to actually save a little money, which is pretty impressive, but I’m well aware that when the next manic phase starts that it will probably disappear fairly quickly and there’s not a lot I can do to stop it,” he says.

    As his experiences show, mental health challenges can make it difficult to manage money.

    SANE Australia psychiatrist and board director Dr Mark Cross says people might also give away their possessions during a manic episode. “I’ve got a couple of patients who in the past have saved and got stuff like laptops and then they just give them away from a sense of largesse and feeling fantastic.”

    That can have knock-on effects for those closest to them, in particular a spouse or partner.

    “It’s a very stressful time because they’ve got joint accounts or they come home to find that their possessions have been given away or they are getting letters weeks later saying their credit cards have been maxed-out or your money is being spent on hire purchase,” says Cross.

    Recurring depression can also impact someone’s ability to handle their financial affairs. Dr Stephen Carbone, research and evaluation leader, Beyond Blue, explains the low mood and loss of interest in usual activities associated with depression are usually accompanied by changes in thinking that make it harder to problem solve or tackle problems: “You often feel your concentration, your focus, your memory, your ability to do those higher-level tasks can be disrupted and those things are important in money management.”

    With one in four Australians expected to face a mental health issue in their lifetime, such challenges are not just experienced by a minority.

    In Britain, the not-for-profit Money and Mental Health Policy Institute this year shed further light on the impact on people’s money management skills based on an extensive review of peer-reviewed academic journal articles. For instance, it found someone with depression, obsessive-compulsive disorder, or post-traumatic stress disorder might struggle with short-term memory making it hard to remember PINs or the details of a conversation with a financial institution. Someone with borderline personality disorder or psychosis can find it difficult to compare options when selecting financial products.

    It has found people suffering from mental illness often give their PINs to carers placing their finances at potential risk. So it is advocating banks allow carers’ read-only access to accounts; notifications of specific activity on accounts; and authority to make certain decisions on some account transactions or decisions.

    Where people experience recurring mental illness it helps to weather-proof finances.

    “You can start taking more control,” says Cross. For those with bipolar this might take the form of an advance directive that puts in place a process or protocol that is triggered if you begin making erratic withdrawals or spending. “Then the person is protected and the family is protected as well.”

    In one case, he says, someone who is self-employed has agreed not to handle large contracts at that time.

    Technology can lend a helping hand too. This month SANE Australia began a three-month non-clinical trial of an app designed to detect the early onset of mania in 306 people living with bipolar. SANE Australia chief executive Jack Heath explains it passively monitors the way the individual uses their devices and alerts both the individual and, with their consent, a nominated loved one or mental health professional if it detects heightened activity that might be consistent with the onset of a period of mania.

    Carbone advises people experiencing depression to defer major decisions such as changing jobs or making substantial purchases.

    Automating bill payment might lighten the load when someone is prone to experiencing depression, as can being willing to ask a trusted family member or friend for practical help, he says. Seeking the advice of an accredited financial counsellor to plan a budget and tackle any accumulated debt can be another way to be better prepared. “A lot of utility companies and others can make arrangements for people who are experiencing financial distress because of a health condition, including a mental health condition,” he says.

    While income protection insurance could be seen as a way to safeguard earnings capacity, it might not provide the desired safety net. “Some insurance companies make it difficult for people with a history of mental health conditions to get adequate cover,” says Carbone. “They might either impose a higher premium for someone who has got a pre-existing mental health condition. They might put in some exclusions against that condition; they might do both or they might just reject the application altogether.”

    People with significant mental health difficulties might voluntarily place their financial affairs in the hands of the public trustee or guardian or have such arrangements imposed on them, says Carbone. However, he says, some of these simple steps can help prevent the need for such action: “You don’t want to get to that situation where you’re not ultimately going to be in charge of your own affairs…”

    * Akemi Ito is his street artist name. We’ve used this rather than his legal name by request.

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    What investors can learn from Australia’s sovereign wealth fund

    2019 - 09.27

    MELBOURNE, AUSTRALIA – MAY 16: Peter Costello, Chairman of the Australian Future Fund is seen speaking at the Australian Shareholders’ Association (ASA) National Conference at the Grand Hyatt Melbourne on May 16, 2017 in Melbourne, Australia. (Photo by Vince Caligiuri/Fairfax Media) *** Local Caption *** Peter CostelloAustralia’s sovereign wealth fund, the Future Fund, has an enviable investment performance.
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    The fund, seeded from the sale of Telstra and government surpluses more than a decade ago, has produced an average annual compound return over that time of 7.9 per cent.

    By contrast, the balanced investment options – the options that most workers have their super with – returned less than 6 per cent.

    Though it might not seem that much, a difference of almost 2 percentage points is a big deal.

    One percentage point less in fees now could mean up to 20 per cent more in the super balance over 30 years, all other things being equal.

    That’s why I was interested to hear Peter Costello, the chairman of the Future Fund, say the fund could possibly start managing money on behalf of super funds.

    To be clear, Costello was talking about the possibility of managing a portion of a super fund’s money, not becoming a super fund itself.

    The Future Fund was established by the government to manage the money that will be used to pay for the unfunded pension liabilities of Commonwealth public servants. It will not have to pay out any money for at least another 10 years.

    Super funds have contributions into their funds, as well as withdrawals as members goes into retirement. Not having to manage flows into and out of the Future Fund allows it to take more risks and earn higher returns than super funds.

    But investors, and particularly those running their own super funds who still have many years before retirement, can get a few tips on asset allocation from the Future Fund.

    The first thing to notice is that the Future Fund holds about 20 per cent of its money in cash.

    That’s partly because of worries that once interest rates around the world start rising, asset prices are likely to fall.

    As the fund is taking quite a bit of risk with the rest of its portfolio, it has the cash component as a counter-balance.

    Although the Future Fund has 28 per cent of its money in shares, of that only 6 per cent is in Australian shares. The rest is in shares listed on overseas developed markets and emerging markets.

    The Future Fund has about 12 per cent in private equity, which can include risky start-ups, and 15 per cent in “alternative” assets – which are other than traditional assets.

    A DIY fund that is in the early part of the accumulation stage is like the Future Fund; there will likely be no drawdowns for years.

    Of course, it depends on the trustees’ tolerance for risk and expectations of retirement, but maybe they could be taking a bit more risk and enjoying returns closer to those earned by the Future Fund.

    It’s worth remembering that members of super funds don’t have to stay with their funds’ balanced options, they can invest in their funds’ single-sector options or combinations of them.

    Twitter: @jcollett_money

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    Consider pension hit before giving money to family

    2019 - 09.27

    My father is 93. He owns his home, worth $600,000, plus he has about $100,000 in cash and shares. He is considering giving one of his children, my brother, $50,000. Would this have any effect on his pension?
    苏州美甲美容学校

    Once the gift was made $10,000 would cease to exist for Centrelink purposes, and the remaining $40,000 would be subject to the deprivation rules for the next five years and be subject to deeming. However, he should be receiving the full pension now because its assets are well under the threshold – therefore the gift should have no effect on his pension.

    There seems to be a difference between industry super funds and commercial ones in their charges for transferring, to an accumulation account, any excess over the $1.6 million pension cap. I have discovered that UniSuper will transfer such an excess to matching investment funds without additional charge. On the other hand, Colonial First State advises it will impose “buy/sell” spread fees of up 0.65 per cent of the amounts being transferred.

    Furthermore, neither fund offers facilities for nominating automatic monthly or other regular payments out of accumulation accounts to correspond with the pension payments. A separate request for payment must be made for each payment – accumulation accounts are for saving for a pension they say!

    You are correct that UniSuper does not apply buy/sell or any other transaction fees in this situation and does not offer automatic payments from an accumulation account. However, Colonial First State advises there are no buy/sell applied on those transfers, and regular monthly transfers can be set up. It may be worthwhile asking the person who supplied the information how they came by it.

    We have had an investment property since 1992 – purchase price $125,000 which will obviously attract capital gains tax when sold. Current market value is $690,000.

    I have no reason to sell it at the moment but will offload it closer to my 65th birthday, thereby depositing the net proceeds into super. Are there any benefits or reasons to sell earlier and are there any ways to reduce CGT in retirement?

    Just keep in mind that you cannot make after-tax contributions once your balance is $1.6 million in super – and deductible contributions are limited to $25,000 a person a year, and are subject to 15 per cent contributions tax.

    You can certainly reduce the impact of capital gains tax by making deductible contributions up to the $25,000 limit – but keep in mind that it includes employer contributions. Therefore, it makes sense to wait until you are not working if you believe you can benefit from this strategy.

    By 2023 you may be able to make five years’ worth of contributions, that is $125,000 less any contributions made in the previous five years. From July 2018, anyone with a superannuation balance of less than $500,000 will be able to access their unused concessional contributions caps to make additional concessional contributions, to be known as catch-up contributions. Remember only unused amounts accrued from July 2018 will count, and amounts carried forward that have not been used after five years will expire.

    Currently I own shares outright and have a home loan. It’s just occurred to me that I’d be better off if the equity in the shares was against the house (owner occupied), and the shares were treated as an investment, with interest tax deductible. Is it possible to refinance the shares with an investment loan to achieve this?

    If not, what about setting up finance so that future dividends are banked in the offset, with an equivalent amount effectively reinvested, but financed through the investment loan? Also, any new share purchases would be financed through the loan.

    For the interest on a loan to be tax deductible the purpose of that loan must be to buy income producing assets. Therefore, refinancing an unencumbered share portfolio would not qualify. One option is to sell the shares, pay the proceeds off the non-deductible home loan, and then borrow back to buy more shares. The only drawback with this strategy is possible capital gains tax. You could certainly bank all future dividends into the offset account, or the loan itself, and then borrow back for more shares. Just make sure you keep the investment loan strictly separate from the housing loan.

    I’m 40 years old and seriously thinking about a career change, what advice would you give to someone my age looking at moving into financial planning?

    There is a shortage of people in the financial planning industry and the services of financial planners will be increasingly needed as the population ages and the Baby Boomers retire. It is a wonderful industry and the best way to start is to get any sort of a job with a respected financial planning organisation. You could start as a client service officer, dealing with client queries, and then move to para-planning and finally advising. The company will recommend what study is required.

    Noel Whittaker is the author of Making Money Made Simple and numerous other books on personal finance. His advice is general in nature and readers should seek their own professional advice before making any financial decisions. Email: [email protected]苏州美甲美容学校419论坛.

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    Caps trio hope golden sparkle continues in WNBL season

    2019 - 09.27

    (from left) University of Canberra Capitals?????? players Keely Froling, Abbey Wehrung and Lauren Scherf have returned home after helping the Emerging Opals win gold at the World University Games in Taipei. Photo by Karleen Minney.A trio of Canberra Capitals rising stars hope a taste of international success can help propel them towards their goal of playing for the Australian Opals.
    苏州美甲美容学校

    But junior teammates Abbey Wehrung, Lauren Scherf and Keely Froling will put WNBL domination first as they set their sights ending Canberra’s seven-year finals drought this season.

    A new-look Capitals roster took the first steps on their WNBL mission when they returned to training on Monday night.

    Wehrung, Scherf and Froling added a golden sparkle to the first session of the season after helping Australia win gold at the world university games in Taipei last week.

    It was the first step to their hopes of playing for the Opals in the coming years and the WNBL will give them a perfect opportunity to launch their bid for national selection.

    The Capitals have five players who are 21 years old or younger, and Wehrung, Scherf and Froling have been playing together since joining forces for the Australian under-17s team four years ago.

    “Any time you play for Australia is a step towards [the Opals], that’s always the main goal,” Scherf said.

    “Being young has its advantages. We [the Capitals] may not have much experience, but we’re young, energetic and love to play basketball.

    “Having fast guards and being able to work off each other’s energy is really going to rub off on the team.”

    Wehrung and Froling are University of Canberra students, while Scherf has just moved to the capital after starting her career in Melbourne.

    Capitals coach Paul Goriss will lean on their international experience and talent to help Canberra force its way back into championship contention for the first time since 2011.

    Wehrung had a breakout season last year, but her campaign was cut short by a cruel ankle injury.

    The 21-year-old guard will work with seven-time championship winner Nat Hurst to take her game to a new level this season.

    “Coming off my injury, it was nice to know my body can get through [playing] again and I played a fair bit [at the world university games],” Wehrung said.

    “Gold medals are pretty rare … so I think we’re going to bring a lot of confidence back after the tournament.

    “I felt pretty rusty in my first few games back but I think I got back into it pretty quickly. I’ve set a few goals, but it’s a process, I’ll take my role as it comes but I will try to lead.”

    The Capitals will play their first pre-season match against the Fujitsu Red Wave on September 15 before setting their sights on a clash against the Bendigo Spirit at the National Convention Centre on October 6.

    United States recruits Mistie Bass and Jordan Hooper are expected to arrive in Canberra in the coming weeks to bolster the squad, while former captain Marianna Tolo is training with the team before starting her stint in Europe.

    Froling enjoyed an impressive SEABL season with the Capitals Academy, and is hoping that form transfers to her push for more WNBL game time.

    “It was a massive confidence booster knowing you can play in that sort of environment at the [world university games],” Froling said.

    “Even in the lead up to the season, it helped getting some games under my belt. I think we’re going to get things together pretty quickly with the Capitals, it’s a good group.

    “I’ve been working really hard in the off-season, so hopefully I can get some more minutes this year and just play my game.”

    CANBERRA CAPITALS WNBL DRAW

    October 6: Capitals v Bendigo Spirit at National Convention Centre, 7.30pm.

    October 8: Capitals v Adelaide Lightning at National Convention Centre, 3pm

    October 13: Townsville Fire v Capitals at Townsville, 7pm.

    October 15: Capitals v Melbourne Boomers at National Convention Centre, 3pm.

    October 22: Capitals v Dandenong Rangers at National Convention Centre, 3pm.

    October 25: Adelaide Lightning v Capitals at Adelaide, 7pm.

    October 27: Capitals v Townsville Fire at National Convention Centre, 7.30pm.

    November 2: Sydney Flames v Capitals at Sydney, 7pm.

    November 4: Capitals v Sydney Flames at National Convention Centre, 3pm.

    November 11: Perth Lynx v Capitals at Perth, 9.30pm.

    November 18: Melbourne Boomers v Capitals at Melbourne, 3pm.

    November 25: Capitals v Bendigo Spirit at Melbourne, 5pm.

    November 30: Perth Lynx v Capitals at Perth, 9.30pm.

    December 2: Melbourne Boomers v Capitals at Melbourne, 7.30pm.

    December 7: Capitals v Sydney Flames at National Convention Centre, 7.30pm.

    December 9: Dandenong Rangers v Capitals at Dandenong, 7pm.

    December 14: Bendigo Spirit v Capitals at Bendigo, 7pm.

    December 17: Capitals v Adelaide Lightning at National Convention Centre, 3pm.

    December 21: Capitals v Townsville at National Convention Centre, 7.30pm.

    December 23: Dandenong Rangers v Capitals at Dandenong, 6.30pm.

    December 29: Capitals v Perth Lynx at National Convention Centre, 7.30pm.

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