Monthly Archives: July 2018

Local group supports migrant education

Scholarship: Lorraine Webb, Widjayanti Sledzinski, Yadanar Tun and Wendy Kirkby, with other English Students.Photo: Supplied.Two local migrant women were awarded a Zonta Clubscholarship to pursue their English studies further on Friday last week.
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Zonta president Lorraine Webb and member Wendy Kirkby handed the award to English studentsWidjayanti Sledzinski andYadanar Tun at the South Metro Tafe on Friday.

The award provides financial assistance to local migrant women in difficult financial situations toencourage them to study English and find better job opportunities in the future.

The initiative is part of the Migrant Women Project, whichin partnership with the City of Mandurahaims to assist and help migrant women to settle in thelocal community.

The scholarship gives $300 to each student to cover enrollment fees at the South West Tafe.

“Migrant women have the difficulty of finding a job and that’s why we help them with their English so they can study further and get a certificate that can help them find a job,” Zonta member Wendy Kirkby said.

Zonta gives three scholarships every year to students that findfinancial hardship.

Due to an increase in the funds raised by the organisation they have been able to hand in two extra scholarships this year.

Zonta also organisesmeet and greet afternoon teas at the Greenfields Family Centreon the first Tuesday of every monthto helplocal migrant families tomeet locals and get informed about activities, events and services around Mandurah.

For more information go to Zonta Club of Peel Inc. page on Facebook.

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Full day of football when clubs combine

Cootamundra football fans will be treated to 21 games of football this Saturday when the junior and senior Rugby League Clubs combine for a massive gala day.
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BIG DAY OF FOOTY: Jacob Maher, Ewan Stewart and Ben Rumble are just three Coota juniors looking forward to this Saturday’s combined junior and senior gala day.

Both clubs will take on the Wagga Kangaroos in what should provide a number of healthy rivalries.

There will be 17 junior games played together with the senior league’s four games.

Junior league president Stephen Howse said the under 15s will provide a curtain-raiser to the day’s senior league action on Les Boyd Oval.

They will kick off at 9.45am, followed by the under 16s, under 18s, reserve grade and finally first grade at 2.45pm.

Howse said all junior league games will be finished by 2pm on Nicholson Park to enable the juniors and their parents to watch the senior first grade game.

He said the gala day experience is highly regarded by the junior players, many of who hope to be part of the senior team one day.

The relationship between the two clubs is strong with junior league’s under 12 boys regularly assisting on game day for the seniors in a ball boy capacity.

“They get used to being at the game; they love it and rugby league sticks with them as they grow up,” Howse said.

Conversely, many of the senior players help out at junior league games as referees or coaches.

A number of today’s senior league players have made their way through the Cootamundra Junior Rugby League Club, including the likes of top players from last weekendZac Mugridge (reserve grade), Matt Forsyth (first grade), Tommy Warner (first grade), Cody Hotston (under 18s), Luke Levett (under 18s) and many more.

First grade coach Simon Vanzanten joined Howse in singing the praises of the gala day concept.

He said it is always good to play in front of a strong crowd and having the juniors on hand, as well as the fact it is Ladies Day, is sure to draw a number of people to the ground.

“It creates atmosphere and that should lift the boys,” Vanzanten said.

Coming off the back of a come-from-behind 30-all draw against Tumut last weekend, he is hoping the home crowd advantage will be just what the side is looking for.

The gala day concept will be replicated later in the season when Cootamundra takes on Young in whatalways provides a good cross-townrivalry at both junior and senior level.

This has been set down for Saturday, July 16 and will coincide with Old Boys Day at Fisher Park.

More rugby league news from Sunday’s senior Bulldogs games in Tumut on page 14.This story Administrator ready to work first appeared on Nanjing Night Net.

Reconciliation Week in the Yass Valley

Friday marked a moment in time that, for some, is still as raw as a scab on a tender sore.
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Local primary school students and members of the Yass Valley community marked Reconciliation Week with a flag-raising ceremony on Friday. Photo: Jess Cole.

It was the anniversary of that landmark 1967 referendum, passed with a majority, to make laws for and count Aboriginal and Torres Strait Islanders as Australians.

The anniversary is also the first day of Reconciliation Week, which will end June 3, the anniversary of Mabo, and though for some it can be a time of jubilation, for others, this period is a reminder of so much that was lost.

For some, lost was their family, their culture, their stories, and their connection to the land. Within the Yass Valley district, probably every Aboriginal household can share a story how they, or a mother, a father, aunt or uncle, nana or pop, was torn from their parents and sent to assimilate into a world, of which they knew nothing.

In the process, the culture and sharing of stories and language they were wrenched from was eroded, leaving behind a legacy of too many people trying to realise where they are from and coming to grips with the depth of history denied by that removal.

Over 30 Yass Valley residents, including students from Berinba Primary School and Yass High, came out to participate in the annual Aboriginal and Australian flag raising ceremony held at the Yass Memorial Hall on Friday, as part of National Reconciliation Week.

Local Ngunnawal Elder Kenny Bell spoke to the group about what the week is really all about.

“In 1967, we became citizens in our own country. It may sound silly but that’s the way it was at the time,” he said.

“Reconciliation Week is about how we now come together, we are together, we live together. We’re not separate anymore.”

Mayor Rowena Abbey and Uncle Kenny, alongside local Indigenous children were then asked to help raise both the Aboriginal and Australian flags together.

Yass High School students Travis and Jayden Bell played the didgeridoo in honour of Reconciliation Week and Tyahn Bell spoke the Welcome to Country in tongue.

Following the flag raising ceremony the Yass Valley community hosted the annual Biggest Morning Tea.

Cakes, slices and the like were in abundance, the best of the best was laid out for everyone present to enjoy.

Yass Valley Council staff contributed to the morning tea with a “staff bake-off”. Gill Elphinston won the Golden Whisk with her delicious passionfruit slice.

“Community events like the Biggest Morning Tea do not happen without amazing volunteers and support from local businesses and residents,” Mayor Rowena Abbey said.

“Thank you to Deb Barrie, a cancer survivor, and her team of helpers for making today’s Biggest Morning Tea such a success.”

Yass Valley’s Biggest Morning Tea raised $1325 for the Cancer Council.

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The rise and rise of Lost Wollongong

The rise and rise of Lost Wollongong This supplied photo of a 1980s family in their backyard at Towradgi is a favourite of Lost Wollongong co-founder David Bottin. Picture: Daniel Judge
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Before the mall – The corner of Crown and Keira streets in the late 1970s. Photo: Lost Wollongong

Stanwell Park 1962. Photo: Lost Wollongong

Rutty’s & Dion’s buses pass the Oxford Hotel on lower Crown Street, Wollongong in 1987. Photo: Lost Wollongong

Crown Street looking west from Keira Street in the early 1960s. Photo: Frank Hurley collection, via Lost Wollongong

A vibrant Crown Street looking east from Keira Street in the 1950s. Lowes is still in the same place. Photo: Wollongong City Library, via Lost Wollongong

Mount Keira and Keira Boys/Wollongong high schools in 1972 when the Wollongong bypass was a single lane from Gwynneville to Fairy Meadow. Photo: Lost Wollongong

Wollongong welcoming the first official electric train from Sydney, with Premier Barry Unsworth looking out the front door, in 1986. Photo: Wollongong City Library, via Lost Wollongong

Bald Hill at Stanwell Park in 1975. Photo: Michael Evans, via Lost Wollongong

Rock star Suzi Quatro at Dapto Train Station. Photo: Lost Wollongong

The view from Bulli Tops in the early 1920s. Photo: Thirroul History in Photos, via Lost Wollongong

Mates hanging out at Wollongong Beach in the early 1970s. Photo: Ray Mills, via Lost Wollongong

The Southline Drive-In Cinema at Fairy Meadow. Photo: Rick Funnell, via Lost Wollongong

Crown Street looking east from Church Street around 1980.

Helensburgb railway station 1981. Photo: Lost Wollongong

The famous Port Kembla sand dunes in the 1940s.

FJ Holden’s heading up the hill on the old Princes Highway at Bombo in the 1950s. Photo: Lost Wollongong

Many Illawarra families started their lives here at the Balgownie Fairy Meadow Migrant Hostel. Photo: Lost Wollongong

Kids playing on the old Kiama Rocket in the early 1980s. Photo: Jennie Smetkowski, via Lost Wollongong

A dog enjoying a run along the F6 freeway construction at Dapto in the early 1980s. Photo: Catherine Joukador and Dapto History in Photos, via Lost Wollongong

The views of Port Kembla from West Wollongong in 1910. Photo: State Library of Victoria, via Lost Wollongong

Crown Street and Wollongong Hospital in the late 1950s. Photo: Lost Wollongong

Remember this?: The Warrawong waterslides were located on the site where the suburb’s library now stands. Picture: Pasquale Coppolaro

F6 freeway intersection Gwynneville 1975. Photo: Trove, via Lost Wollongong

Paddle boats Lake Illawarra Warilla 1980s. Photo: Shellharbour History in Photos, via Lost Wollongong

Port Kembla sand dunes 1960s. Photo: Stuart Bryant, via Lost Wollongong

Flooding on Terralong Street, Kiama in the 1960s. Photo: Kiama Library, via Lost Wollongong

TweetFacebookIt was started by two friends on the spur of the moment three years ago and now more than 18,000 people follow Lost Wollongong’s Facebook page. And it’s only going to get bigger, writes GLEN HUMPHRIES

It’s one of Lost Wollongong’s co-founder David Bottin’s favourite photos –and he’s not even in it.

He didn’t take the picture of a 1980s family in their backyard at Towradgi either. It’s not even his family and, while he grew up a street away, he didn’t really know them

But it’s not really the people–who appear to be working on a compost heap –that connects with Bottin.

David Bottin, one of the co-founders of the popular history site Lost Wollongong. Picture: Adam McLean

It’s the view of theCorrimal cokeworks in the distance behind the Dalton Street backyard. And it’s also the wide strip of bushland in front of it that istoday is known as Memorial Drive.

But back then, it was a grassyplayground –for both Bottin and the kids in the photo.It’s a photo that contains the ghost of memories for Bottin.

“That’s aphoto I connect to becausethat’s my chidlhood – growing up in the Towradgithat existed before [Memorial Drive]was built,” Bottin says.

It’s one of about20,000 images Lost Wollongong has collected, whether it be from the Wollongong City Library, one of the site’s administrators or one of the 18,000 “Losties” who keep tabs on the Facebook page.

Mates hanging out at Wollongong Beach in the early 1970s. Photo: Ray Mills, via Lost Wollongong

And it’s an example of what makes a popular picture on Lost Wollongong –one that triggers memories that may have been dormant for years.

“We have photos goingback to the beginningof Wollongong, backto theearly 1800s through tothe 1990s,” he says.

“Butwe often find it’s the photos that are within people’slifetimes, from about the 1960s to the 1990s, they’rethephotos that are popular becausepeople can connect with them. That’s in their memory, that’s the Wollongongthat they connect with.”

Bottin and his friend Brendan Brain co-founded the Lost Wollongong Facebook group in May 2013 after going online one night andfinding history sites for the likes of Newcastle and Sydney but nothing for their home city.

Someone’s parents in Lake Heights wouldn’t have been too happy to find their Vauxhall had smashed into the backyard toilet. Picture: Sheree Williams

Rather than wait for someone else to get around to it, the pair got things rolling that night.

“We started Lost Wollongongon a whim,” Bottin remembers.

“Within a week we had our firstthousand members. Itbecame rapidly apparentthat we’dhit on something by the sheer growth that we experienced.

A year later they launched the Facebook page and the Lost Wollongong website.

Another year after that came the Twitter and Instagram profiles.

While the Facebook page tends to attract an older crowd who likes to be reminded through photos of their own childhood, Instagram draws a younger crowd, many of whom are discovering fresh things about their city through those photos.

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Labor’s $200m energy plan

Labor has unveiled a $200 million renewable energy strategy that plans to secure 500 megawatts of new renewable energy capacity.
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Opposition Leader Bryan Green delivers his budget reply speech

The renewable energy development target was the centrepiece of Opposition Leader Bryan Green’sbudget reply speech, presented to Parliamenton Tuesday.

Mr Green said Labor’s renewable energy initiative would bolster the business case for a second Basslink cable, but denied the second cable was required before creating additional energy generation in the state.

“Talking about a second Basslink without any expansion of renewable energy generation is like a chicken and egg. If you don’t have thatopportunity to export energy then what are you doing building the cable,” Mr Green said.

“The energy crisis has allowed people to understand that out state can be vulnerable, we need to fix that…in the eyes ofour major industrials and general consumers.”

Mr Green committed Labor to a review of thepublic service, which he saidwould involveworking with unions, public servants and the wider community to “get the best fit for purpose public service we can have”.

He also unveiled $20 million for alternative fuel transport, a focus on preventative health and already announced regional tourism and public transport strategies.

Bass Liberal MHA Sarah Courtney said Labor’s plancommitted $185 million of additional spending over four years and would “drive Tasmania back into deficit”.

The Greens delivered a fully-costed alternative budget on Tuesday, which included just over $600 million of savings, including a $100 million reduction inroad funding and scrapping sponsorship deals with theHawthorn Football Club and the V8 Supercars.

Greens leader Cassy O’Connor said her party would fund the phasing out of poker machines in pubs and clubs, purchase five pill testing machines and make a $100 million, four yearpreventative health commitment.

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Georges River Council unveils its plans for the future

Georges River Council has set out its priorities for the next year as part of the draft operational plan 2016-17.
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The draft planwas presented to this weeks council meeting on Monday.

In the brief meeting, which lasted under 10 minutes, administratorJohn Rayner approved the draft plan to go on public exhibition until June 28.

Speaking to only a handful of people in the public gallery Mr Rayner said Georges River Council was one of the first merged councils to put together a plan for exhibition.

The council is forecasting a surplus budget with a net operating result of $5.5 million for the next financial year.

That rises to $13.7 million including grants and contributions.

The plan will also setout what capital works will be funded in the next financial year.

It is a combination of the capital works list of both former councils.

Topping the list will be $10 million to the Hurstville CBD masterplan projects.

Around $4 million will be spent on masterplan work at Penshurst Park.

Anadventure playground and upgrade at Jubilee Park will receive $2.2 million.

Mr Rayner said the plan was based onthe community strategic plans of both former councils.

“This is a great achievement, and reflects on the hard work taking place to build a new council which will continue to produce quality facilities and services for the Georges River community,” he said.

“It is my objective to achieve the best possible outcomes for the community and to further develop good governance, to building a strong foundation for council’s future.

“The draft plan also sets out the actions whichwe plan to undertake to build organisational capacity for the newly amalgamated council.

“I encourage all residents, businesses and stakeholders to provide further feedback to council during the public exhibition period, to ensure that everyone has their say.’’

Submissions are open until 5pm on Tuesday, June 28.

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Cuba travel guide: 10 tips for first time travel to Cuba

People crossing the Paseo Marti in Havana, Cuba. Photo: iStock If you do get into conversations with a local, take the opportunity to find out about their life and experiences. Photo: iStock
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Museo de la Revolucion Havana, Cuba. Photo: Steve Colquhoun

Castillo de la Real Fuerza in Havana, Cuba. Photo: Steve Colquhoun

Matanzas province in Cuba. Photo: iStock

Visiting Cuba is a highlight-packed sensory overload, especially if you take the time to understand the past political strife that has shaped a nation that stands on the cusp of a social and economic revolution.

That includes an increasing number of accommodation options opening up – even Airbnb has arrived, and a clued-in host can give you a great head-start with some key tips to get the most out of your stay.

Here are our top tips for getting the most out of your Cuba holiday. Before you go:

Get organised

The first thing Australians need is a tourist visa, which is a simple affair as long as you allow time. Seven to 10 days should be enough, with your passport needing to be sent to Canberra for processing and returned. For a small fee, CIBT Visas will organise it all for you. The Australian Government’s Smart Traveller website advises travellers to Cuba to print out their travel insurance cover note – Cuba’s immigration officers may ask to see it. Confirmed lodgings may also be requested. Once in the country, your Australian-issue phone SIM card won’t work. Australia Post sells an international SIM card, or you can rent a local SIM when you arrive at Havana airport. Also, check with your accommodation to see if Wi-Fi is offered – internet access is still a rarity and highly restricted, so don’t assume you’ll be Facebooking, Instagramming or Skyping as you would elsewhere.

Get cashed 

Next, you need to organise finance. Many credit cards – especially those issued by banks with American links – won’t work in Cuba, and ATM access shouldn’t be assumed, either. Check with your bank to see what might work for you. If all else fails there’s cash, which of course isn’t as safe to carry in large amounts but is hugely convenient on the street. However, Australian dollars won’t be accepted for exchange once in Cuba, and US dollars will attract an extra 10 per cent charge. The best bet is to grab some Euros before leaving Australia, then change then into the local currency at Havana airport when you arrive. There’s a trick here, too. Cuba has two currencies – one for the locals, and one for tourists, with a 25:1 exchange rate between the two (so don’t get them mixed up). Ensure you are issued the tourist peso, which is known locally as the CUC (pronounced ‘cook’). Also, ensure you convert leftover currency back to Euros before you leave the country. It’s illegal to remove CUC from Cuba, and also highly unlikely anywhere in Australia will exchange them for you.

Hablo a little Espanol

Cubans have had little access to the outside world for the past 50 years and outside the main tourist areas, Spanish is almost exclusively spoken. If your Spanish is non-existent, grab a phrase book and practise a few key phrases on the long flight over. Being able to hail a taxi and negotiate the destination and fare are vital to getting around, and being able to order food and drink is handy. If all else fails, “lo siento, hablo no Espanol” at least says you’re sorry you don’t understand what someone is saying to you.

Do your homework

Cuba has a fascinating history of instability and revolution, and if you’re staying in an Airbnb property you can gain much more insight from your host if you can converse knowledgably about the factors that have led to the austere life they live today.

If you do get into conversations with a local, take the opportunity to find out about their life and experiences under the strict socialist regime. Interaction and immersion with the friendly and proud locals will add a deeper layer to your stay.

Get some protection

Like many South American and Carribean destinations, Cuba has a mosquito problem. Zika virus has been featured prominently in the news, but that’s only a big problem if you’re pregnant or planning to be; for everyone else, a dose of zika is a mild inconvenience. Of greater concern, my Airbnb host Gustavo warns, is the risk of dengue fever, which can be debilitating. To be safe, source an insect repellent with a high percentage of DEET (otherwise known as diethyl-meta-toluamide) – slathering it on a couple of times daily is the most effective way to ward off the nasties. You’ll also need a decent 50+ sunscreen for Cuba’s powerful sun, which you should apply before the insect repellent so it’s better absorbed into your skin. When you get there:

Meet the locals

Cubans are, by and large, exceptionally outgoing people, and as long as you stick to well-trafficked and well-lit areas and adhere to sensible precautions to protect your belongings, you shouldn’t have any safety concerns.

Yet you shouldn’t mistake their attempts to strike up a conversation with you in the street as a purely friendly gesture. Cashed-up Westerners are a potent source of income, as many Cubans live well below what we would call the poverty line. Sometimes the pitch is obvious – they want you to accompany them to a bar, café, museum or nightclub, where they’ll receive a spotter’s fee. Others may offer to be your guide and happily chat with you for hours in disarmingly friendly fashion – but at the end, there’s always an outstretched hand.

Approach these interactions expecting to pay for a slice of their time and local knowledge, which is sometimes well worth it. If you’re on a tight budget, be up front that you have no money to give. Even though you didn’t ask to be accosted, a refusal to cough up after assistance has been rendered could cause confrontation.

Take a taxi

You might think the massive, curvaceous American cars for which Havana is famous are a myth, and finding one is like tracking down a white whale. Not so. They’re literally everywhere, and you really haven’t done Havana until you’ve flagged one down, bartered a fare with the driver (knowing a little Spanish helps a lot), and perched high on a bench seat with your elbow protruding from the always-open windows. Even better is that you’ll probably be seated next to some locals heading off to work, with Cuba’s taxis running more like a bus service that picks up and sets down various fares during any given trip.

Hit the museums

Havana has some brilliant museums, featuring the artwork of abundantly talented locals, plus a number of institutions dedicated to detailing the nation’s history of political instability, bloodshed and proud defiance.

The Museo de la Revolucion in the Old Havana part of town is an essential stop – behind the stunning façade are hundreds of artefacts, photos, weapons and blow-by-blow explanations of events including the overthrow of the dictator Batista, the Bay of Pigs invasion and the Cuban missile crisis. And, of course, much reflection on the reign of Fidel Castro. Perhaps most poignant of all are the bullet holes in the walls, a sobering reminder that this beautiful metropolis was once, as the museum name suggests, the site of bloody revolution.

Make time, too, for the Museo Nacional de Bellas Artes, which includes a comprehensive display of both classical and contemporary artwork across two buildings and several levels – and it’s airconditioned.

There are a good many others, but find the time to get across the harbour – taxis will take you through the short tunnel – to the Castillo de la Real Fuerza. Said to be the oldest stone fort in the Americas, it’s also home to an excellent museum highlighting the nation’s proud maritime past.

Stroll the Malecon

At our Airbnb host’s suggestion, a strong along Havana’s seaside boulevard, the Malecon, at sunset was the ideal way to finish off a busy day. The eight kilometre-long sea wall comes alive as the heat of the day gives way to a sea breeze, with the locals flocking to fish, exercise and just hang out. It’s a great spot to enjoy the passing parade of classic American cars, too.

Get out of the city

Cuba is much more than just Havana, although you can easily spend a week wandering the old town, poking around Vedado, and taking in the neighbouring coastal settlements. If you’re keen to see it all, consider side trips to Trinidad – a UNESCO world heritage site with beautiful architecture and sensational beaches – or Santiago de Cuba, at the opposite end of the island. The latter has history in spades and offers a more genuine Cuban experience than tourist-focused Havana. Closer to Havana, you can take a 20-minute taxi ride to out to Cojimar, the setting for the Ernest Hemingway novel The Old Man and the Sea and the place where Hemingway kept his own boat.

Steve Colquhoun stayed in Havana as a guest of Airbnb.

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Etihad opens new flagship first class lounge at Abu Dhabi International Airport, Terminal 3

Etihad has opened a new flagship first class lounge at Abu Dhabi International Airport – a lounge which is said to tick all the right ‘aspirational luxury’ experiences.
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Located in Terminal 3, the 1700 metre-square dedicated first class lounge features 16 zones which includes: a relaxation room; a restaurant; fitness room; cigar lounge; Six Senses Spa; face, hair and shave services; and a children’s play room.

The lounge bar features a striking design that has become a signature style for Etihad’s new collection of global lounges including the recently opened New York and Melbourne lounges. The bar offers a bespoke cocktail drinks menu – at Abu Dhabi the signature mocktail drink uses Middle-Eastern flavours such as aromatic cold brew coffee infused with cardamom and sprayed with delicate rose water.

In the relaxation area – Relax & Recline – guests can ease-back in one of six Poltona Frau leather recliners which faces a large video wall made up of 27 individual screens and experience soothing sound and lighting.

Lounge access is restricted to guests of The Residence, Etihad First Class, Etihad Guest Exclusive, Etihad Guest Platinum members (plus one guest), Etihad Airways Partner (EAP) airline First Class guests, EAP ‘Invitation only’ members (plus two guests) and EAP equivalent Platinum members (plus one guest).

Guests of The Residence will have exclusive access to a private space which will feature a dedicated Savoy-trained Butler, custom-made Poltrona Frau Italian leather armchairs and sofas, its own shower room stocked with a range of Acqua di Parma products, a prayer room, and private dining.

In addition to the new first class lounge at Abu Dhabi, Etihad’s has 14 premium lounges world-wide including the newly launched Melbourne and New York lounges, premium lounge in Abu Dhabi (Terminals 1), Sydney, Frankfurt, London, Manchester, Dublin, Paris, and Washington DC.

Etihad will open a new first and business class Lounge at Los Angeles LAX airport in the coming months.

See also: Abu Dhabi stopover: Things to do in Dubai’s rival See aso: Etihad puts A380 Residence class on Melbourne to Abu Dhabi route

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Super funds are innovating for the benefit of members

After a slow start, super funds are much more innovative. Photo: City of Sydney SunSuper screen grab Photo: Supplied
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Most people don’t think about their super until they hit their late 40s or early 50s.

Anyone who has not taken a close look at super for a long time will be surprised by how many investment options their funds offer them.

Advances in technology are allowing funds to offer a much wider range of investments.

As I wrote about last week, many super funds are taking advantage of advances in share-trading platform technology to allow members to invest directly in Australian shares at very low brokerage costs.

Funds are using technology in many other ways other than increasing the range of investments.

Industry super fund Sunsuper, for example, is in the vanguard of employing technology to engage their members online.

It has a retirement forecaster, which runs like a game with a weather analogy where the aim of the member is to take actions to prevent stormy weather in retirement.

Sunsuper says research has shown that it has better recall with members as it makes a more emotional impact than a dry set of numbers.

The fund also has what it calls the Dream Project, which is the education hub on its website with shareable content including quizzes, videos and interactive tools.

It’s all based on the principles of behavioural finance and “gamification”, which is where games are devised in order to encourage engagement.

The fund has built an online community where fund members enjoy the experience rather than feel like they are doing something dull, like learning about super.

Funds are also using technology to create much more tailored superannuation for members.

Most members remain in their funds’ default option for whole of their working lives and into their retirement years as well.

This option has the same asset allocation with a bit of tweaking if market conditions change.

Typically, the default option has about 70 per cent of the money invested in growth investments, like shares and property, with the rest in defensive assets such as cash and fixed interest.

The problem with that is younger members can afford to take on more risk through higher exposure to shares because they have the time to more than make up for any losses.

And members with only a few years left until retirement need to step down their risk and have more of their money invested in defensive assets.

This is where innovation is playing a role in tailoring their asset allocation to their life stage.

All those born in the 1970s, for example, that elect to invest in their fund’s “life-stage’ option, will be in an option with the same asset allocation.

As the 1970s cohort ages, the asset allocation is changed by the fund at regular intervals so that the cohort is invested more conservatively. The fund members don’t have to do anything.

While you are hearing a lot about how innovation is changing the face of financial services, you may be surprised by how much your fund has moved with the times.

Twitter: @jcollett_money

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State of Origin 2016: Five key match-ups

Rookies’ role: Matt Moylan and Josh Mansour. Photo: Getty Images Blues coach has had enough of NSW
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Matt Moylan v Darius Boyd

One is playing his first Origin game. The other is playing his first game in the No.1 jumper. But all the pressure will be on NSW debutant Matt Moylan as he looks to fulfil the unenviable task to spark the Blues attack. The Panthers custodian will first need to survive the pressure from Queensland halves Johnathan Thurston and Cooper Cronk before linking with his own six and seven to test Darius Boyd, who has scored 16 tries in 23 Origin appearances on the wing. Boyd has the added string to his bow of being widely regarded as the best defensive fullback in the game.

Robbie Farah v Cameron Smith

Hooker battle: Robbie Farah v Cameron Smith Photo: Janie Barrett

There are three certainties in life: death, taxes and Cameron Smith playing well in Origin. The Thursday wash-up will likely read 50-plus tackles, a deft kicking game and a crisp passing game that puts his forwards over the advantage line. At his best Robbie Farah can reproduce those numbers but enters the game short of a gallop and devoid of big-game practice. Smith’s combination with Cronk and Thurston is an added bonus for the Queensland and Australian skipper.

Paul Gallen/Aaron Woods v Matt Scott/Nate Myles

NSW State of Origin Captain Paul Gallen. Photo: Janie Barrett

Just as drive for show, putt for dough has held up in golf since the first feathery was knocked onto a green, there is one adage that epitomises State of Origin: if the forwards win the battle, backs win the war. On paper at least, the Blues pair of Paul Gallen and Aaron Woods dominate the Queenslands props Matt Scott and Nate Myles in every statistic including metres gained, tackle breaks and offloads. But this is Origin, and the Scott/Myles combination has been a staple of multiple Maroon victories and they have played a combined 48 times for their state. For NSW to win, one of Gallen or Woods need to get man of the match.

Adam Reynolds v Cooper Cronk

Maroons half Cooper Cronk. Photo: Getty Images

The No.7 battle is all about one thing: the kicking game. Adam Reynolds has been picked for his ability to kick into corners and get repeat sets and if he does that NSW will go a long way to winning. Cronk is facing his own separate battle just to get onto the field, but if he does his trademark  passing and kicking game that has become standard for Melbourne, Queensland and Australia will be vital for Queensland. It’s no coincidence NSW’s only series victory in 2014 came when Cronk was injured. That same year Reynolds led the Rabbitohs to the title – can he do the same for the Blues?

James Tamou v Josh McGuire

Impact: Josh McGuire and James Tamou Photo: Mark Kolbe

Origin is an 80-minute game and Josh McGuire and James Tamou are vital cogs in the wheel for their respective teams. The duo are likely to be called into the game around the 20-minute mark and have one task: lift the intensity heading into half time. It could be argued both were unlucky to miss out on the starting team so the Australian teammates will have extra motivation when they get the call from the coach. Tamou and McGuire are consistent in what they bring to the table: big running metres and a large appetite for work that is tailored for Origin footy. 

This story Administrator ready to work first appeared on Nanjing Night Net.