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	<title>Sunshine Coast Hinterland Times &#187; Opinion</title>
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	<link>http://www.hinterlandtimes.com.au</link>
	<description>Sunshine Coast Hinterland Newspaper</description>
	<pubDate>Tue, 09 Mar 2010 03:47:48 +0000</pubDate>
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		<title>From the Editor: MARCH 2010</title>
		<link>http://www.hinterlandtimes.com.au/2010/03/06/from-the-editor-march-2010/</link>
		<comments>http://www.hinterlandtimes.com.au/2010/03/06/from-the-editor-march-2010/#comments</comments>
		<pubDate>Sat, 06 Mar 2010 09:11:33 +0000</pubDate>
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		<guid isPermaLink="false">http://www.hinterlandtimes.com.au/?p=4959</guid>
		<description><![CDATA[AT THE HINTERLAND TIMES we are always on the lookout for local youngsters who are achieving great things. We have two in this edition. Bianca Bond is the daughter of our well known Hinterlander, Beverley Hand. Bianca is making an impression in her own right as a strong advocate for regional youth. Busy all over [...]]]></description>
			<content:encoded><![CDATA[<p>AT THE HINTERLAND TIMES we are always on the lookout for local youngsters who are achieving great things. We have two in this edition. Bianca Bond is the daughter of our well known Hinterlander, Beverley Hand. Bianca is making an impression in her own right as a strong advocate for regional youth. Busy all over the Coast, Bianca has just been named the Young Citizen of the Year by Sunshine Coast Regional Council.</p>
<p>Our other young achiever is 15 year-old Stacey Bentley, a striking young woman, just starting Year 12 at Beerwah State High and a national paint horse champion in her spare time. Stacey is off to Fort Worth Texas soon to compete in the international paint horse championships as part of an Australian team. What’s also impressive is that Stacey is fundraising for the many thousands of dollars she needs to make the trip.</p>
<p>Following some suggestions from readers we have a couple of new columns in this edition -Mind Your Business offers advice for small business owners and it’s written by a very experienced marketing and ad man - Eddy Oddy. We also have an Auto Guide column which is prepared for us by a couple of professional motoring journalists Yvonne and David Williams.</p>
<p>Two outspoken Christian priests, are launching separate books this month. Catholic rebel Father Peter Kennedy and Anglican cleric and academic, Ray Baraclough each challenge religious orthodoxy. Peter was sacked from St Mary’s in South Brisbane in 2009 for supposedly breaking with Catholic liturgy. In Peter’s book supporters have written about the man, Catholic doctrine and the dire future of the Church.</p>
<p>Ray Baraclough faces the difficult question of why so many believe God is responsible for earthquakes, epilepsy and global warming. Why is a loving God so cruel?<br />
We have reviewed both books in this edition, and I will chair a community conversation with both authors in Maleny on March 17 (see p.32-33).</p>
<p>My email inbox gets busier each month and I am sorry if an item you expected to see didn’t make it this time. Let me urge anyone with a personal, business or community story to let us know as early as possible in the month. Our deadline is always the 25th of the month for stories, and we’ll always do our best to fit you in. After that date is usually impossible.</p>
<p>Enjoy the March edition and if you feel like commenting on a story, please go to our website which, I am delighted to say, is now attracting more and more attention from readers around the world.<br />
(<a href="http://www.hinterlandtimes.com.au"> www.hinterlandtimes.com.au</a> ).</p>
<p><strong><em>Michael Berry</em></strong></p>
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		<title>Bianca Bond – young citizen with a youth focus</title>
		<link>http://www.hinterlandtimes.com.au/2010/03/06/bianca-bond-%e2%80%93-young-citizen-with-a-youth-focus/</link>
		<comments>http://www.hinterlandtimes.com.au/2010/03/06/bianca-bond-%e2%80%93-young-citizen-with-a-youth-focus/#comments</comments>
		<pubDate>Sat, 06 Mar 2010 09:07:03 +0000</pubDate>
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		<guid isPermaLink="false">http://www.hinterlandtimes.com.au/?p=4956</guid>
		<description><![CDATA[BIANCA BOND was recently announced the young citizen of the year by the Sunshine Coast Regional Council. Bianca has demonstrated outstanding, positive leadership and shines in her roles as youth worker and organiser for Nambour High School’s Women’s Business workshop for indigenous women. In 2009 Bianca attended the Inaugural Indigenous Youth Parliament at Parliament House, [...]]]></description>
			<content:encoded><![CDATA[<p><a rel="attachment wp-att-5139" href="http://www.hinterlandtimes.com.au/2010/03/06/bianca-bond-%e2%80%93-young-citizen-with-a-youth-focus/bianca-bond_thumb/"><img class="alignright size-thumbnail wp-image-5139" title="bianca-bond_thumb" src="http://www.hinterlandtimes.com.au/wp-content/uploads/bianca-bond_thumb-150x150.jpg" alt="" width="150" height="150" /></a><strong>BIANCA BOND was recently announced the young citizen of the year by the Sunshine Coast Regional Council. Bianca has demonstrated outstanding, positive leadership and shines in her roles as youth worker and organiser for Nambour High School’s Women’s Business workshop for indigenous women. In 2009 Bianca attended the Inaugural Indigenous Youth Parliament at Parliament House, Brisbane. She is also a member of the cultural board for the Noosa Biosphere and the Queensland Indigenous Youth Advisory Committee. The Hinterland Times interrupted Bianca’s busy schedule to find out what drives this amazing young woman.</strong></p>
<p>“To be recognised by the Sunshine Coast Regional Council, and to be named as young citizen of the year is an honour.</p>
<p>“I suppose that for the next year I can set an example for other young people to start standing up and taking roles in our community. My role will be continuing to be a voice for young people and the Indigenous community of the traditional Gubbi Gubbi people. I will be involved in cultural discussion papers, sitting on the cultural board of the Noosa Biosphere, and be a voice there for the things I hear from other young people, for what needs to be happening here on the Sunshine Coast.</p>
<p>“I’m employed by an organisation called Interactive Community Planning where I develop programs, projects, events around employment and training, self determination and identity. I coordinate a young women’s business program at Nambour High School. I just connect with the young girls there and build a relationship with them and create a space and find comfort with that.<br />
“As a young person I have faced a lot of hardships and obstacles and have been in some very dark places. I was in a head-on car collision in 2007 and doctors thought I would die, and certainly never walk again. That period of my life revealed what is important; that we have only one life and one time, and the time is now to start trying to create a future for my children and build a better community.</p>
<p><em>“I was brought up in contemporary times in a modern day Australia. So, I am walking in two worlds, having to have respect and stay connected to my traditional aboriginal heritage, but knowing that I live in modern times where things are very different.”</em></p>
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		<title>Virginity and the whale stalemate</title>
		<link>http://www.hinterlandtimes.com.au/2010/02/03/virginity-and-the-whale-stalemate/</link>
		<comments>http://www.hinterlandtimes.com.au/2010/02/03/virginity-and-the-whale-stalemate/#comments</comments>
		<pubDate>Wed, 03 Feb 2010 10:14:44 +0000</pubDate>
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		<category><![CDATA[Columns]]></category>

		<category><![CDATA[Features]]></category>

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		<guid isPermaLink="false">http://www.hinterlandtimes.com.au/?p=4688</guid>
		<description><![CDATA[
There are many things to celebrate on Australia Day, but perhaps the most important is that it marks the end of the silly season.
Virginity is a gift from God
IT IS THE time politicians and the media dust themselves off and start on the serious business of the year. Or at least they would have if [...]]]></description>
			<content:encoded><![CDATA[<div id="attachment_4689" class="wp-caption alignright" style="width: 310px"><a href="http://www.hinterlandtimes.com.au/wp-content/uploads/don_greenfield_wales.jpg"><img class="size-medium wp-image-4689" title="don_greenfield_wales" src="http://www.hinterlandtimes.com.au/wp-content/uploads/don_greenfield_wales-300x277.jpg" alt="" width="300" height="277" /></a><p class="wp-caption-text">Don&#39;s View</p></div>
<p><strong><em>There are many things to celebrate on Australia Day, but perhaps the most important is that it marks the end of the silly season.</em></strong></p>
<p><strong><em>Virginity is a gift from God</em></strong></p>
<p><span>I</span>T IS THE time politicians and the media dust themselves off and start on the serious business of the year. Or at least they would have if Tony Abbott had not told the Women’s Weekly that he would advise had not told the Women’s Weekly that he would advise his daughters to sit on it until they were married.</p>
<p>Actually if he had put it as straightforwardly as that there probably wouldn’t have been much of a fuss. Some might have derided him as a bit old fashioned (or, as his 18 year old daughter Frances put it, “a lame, gay, churchy loser”) but a lot of traditional parents might have shrugged in mute agreement.</p>
<p>However, Abbott being Abbott, he had to take it further. After all, the Weekly was doing an extensive piece on his favourite subject – himself – and indeed on his favourite aspects of it – ethics and beliefs, creed and credo. So Abbott felt constrained to add that virginity was a gift from God to a woman, and the most precious gift she could give to a man.</p>
<p>By way of later explanation he insisted that he wasn’t preaching – this was simply the advice that he would give to his own three daughters, although given that two of them had already reached adulthood it could still be seen as a touch patronising. But no one really believed him. The worst fears of the moderates, both inside and outside the Liberal Party, were confirmed: Captain Catholic was back in charge. The Mad Monk just couldn’t help himself; he was incapable of drawing the line between public policy and private morals. And in Australia, this was always going to be a bummer.</p>
<p>Actually Abbott received more support than he probably expected; talk back radio ended up slightly in his favour thanks to a blitz by women of a certain age (and possibly also a certain religion). And the most severe critics tended to be the usual suspects: feminists such as Catherine Lumby and Eva Cox, who were generally seen as political fringe-dwellers at best.</p>
<p>Kevin Rudd sensibly laid low and said nothing, and his deputy Julia Gillard restrained herself to the terse observation that Australian women could make their own choices and did not want to be lectured by Tony Abbott. Even this was too much for the Liberals’ normally sensible legal affairs spokesmen George Brandis who said Gillard had no right to talk about families because she didn’t have one herself. The quick response was that Gillard was not talking about families but about Tony Abbott, and that Brandis would presumably also disqualify the Pope and all celibate clergy from the debate; indeed, perhaps he should disqualify himself from discussing women and children since he did not have a womb.</p>
<p>But the real argument centred around Abbott’s hypocrisy, which he at least acknowledged; after all he could hardly deny it. Rather sheepishly he admitted that when his daughters said to him: “But daddy, you did all those things yourself,” he had replied: “Well, yes, I did.” And indeed he had, and more.</p>
<p>But the more serious underlying complaint was about the idea that a woman’s virginity, and therefore presumably her entire sex life, could be regarded as no more than a gift to a man. The issue died a natural death in the media, but the memory of that piece of unbridled misogyny will linger on.</p>
<p><strong><em>The earth is flat after all&#8230;</em></strong></p>
<p><span>This generation’s answer to Screaming Lord Sutch, Gibbering Lord Monckton, is so obviously loony that under normal circumstances Australians would treat his ravings with the contempt they deserve. But alas, these are not normal times; the anti-science brigade is not only on the march, but is making the running on the whole issue of climate change.</span></p>
<p>They have been helped along by some very powerful financial backers and some influential allies in the media, but what has given them a real lift is the revelation that some of the advocates for the case for global warming have been shown to be over- enthusiastic and in some cases just plain wrong. These flaws, according to the sceptics, show that the wholescientific edifice painstakingly erected over a decade is shonky; scientists are not to be trusted, and it is likely that the earth is flat after all, just as reasonable people have always suspected.</p>
<p>Of course they show nothing of the kind; 99 percent of the science, supported by 99 percent of qualified scientists, remains intact. By any rational standard the case for man-made global warming is beyond argument, even if all the details cannot be quantified. But in political terms, we are just about back to square one.</p>
<p>It is to be hoped that people of good will from all parties can restore some sanity to the debate. The fact that Tony Abbott and even Barnaby Joyce have shunned numerous invitations to associate themselves and their parties with Monckton’s outrageous demagoguery is a hopeful start.</p>
<p><strong><em>No whale war with Japan</em></strong></p>
<p>Let’s be clear about it: Australia is not going to declare war on Japan over whaling.</p>
<p>This is probably just as well for everyone concerned, including the whales; it was the last war with Japan which gave us the problem in the first place.</p>
<p>Shortly after the Japanese surrendered Douglas Macarthur, the American supremo overseeing the allied occupation, was faced with a major food shortage and suggested that whale meat might be a useful supplement. The Japanese, forbidden by the terms of surrender from keeping a navy or any other kind of defence force, jumped at the chance to get back on the high seas and the rest, as they say, is history.</p>
<p>In 2008 Australia sent the Oceanic Viking to collect evidence of Japanese activities for its potential court case, and the Viking duly returned with videos of Japanese killing whales. But this was never in dispute. What the videos don’t and can’t show is the Japanese not doing scientific research on the remains. And even if they somehow managed to prove this negative, it is not clear that it would be a matter for the International Court of Justice: the moratorium is simply an agreement between the members of the IWC. Japan could easily claim that it is not a legally enforceable contract, and that therefore Japan is not bound by it.</p>
<p>As always, litigation would be a morass, and the government is sensible to steer clear of it for as long as possible. But time is running out; if there is no progress in the next few months, Rudd will have to take the risk, if only to maintain his own political credibility. It may not help the whales much, but they are not the only creatures endangered in the current brawl.</p>
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		<title>&#8220;Population growth does not equal economic growth”</title>
		<link>http://www.hinterlandtimes.com.au/2010/02/03/population-growth-does-not-equal-economic-growth%e2%80%9d/</link>
		<comments>http://www.hinterlandtimes.com.au/2010/02/03/population-growth-does-not-equal-economic-growth%e2%80%9d/#comments</comments>
		<pubDate>Wed, 03 Feb 2010 06:30:20 +0000</pubDate>
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		<category><![CDATA[Environment]]></category>

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		<category><![CDATA[Opinion]]></category>

		<guid isPermaLink="false">http://www.hinterlandtimes.com.au/?p=4685</guid>
		<description><![CDATA[A quote from the SUNSHINE COAST ENVIRONMENT COUNCIL.
The recent tourist season on the Sunshine Coast provides a snapshot of what a resident population of over 500,000 people may look and feel like. The influx of hundreds of thousands of tourists vividly demonstrates the impacts on the liveability and natural values of the Sunshine Coast region [...]]]></description>
			<content:encoded><![CDATA[<p><a href="http://www.hinterlandtimes.com.au/wp-content/uploads/maleny_infill.jpg"><img class="alignright size-medium wp-image-4686" title="maleny_infill" src="http://www.hinterlandtimes.com.au/wp-content/uploads/maleny_infill-300x200.jpg" alt="" width="300" height="200" /></a>A quote from the SUNSHINE COAST ENVIRONMENT COUNCIL.</p>
<p><strong>The recent tourist season on the Sunshine Coast provides a snapshot of what a resident population of over 500,000 people may look and feel like. The influx of hundreds of thousands of tourists vividly demonstrates the impacts on the liveability and natural values of the Sunshine Coast region already under acute stress from rapidly expanding urbanisation.</strong></p>
<p><strong>In this special HT feature, Narelle McCarthy, Manager of the Sunshine Coast Environment Council looks at the practicalities and the politics of uncontrolled growth.</strong></p>
<p><span>T</span>HE SUNSHINE Coast region is experiencing declining health in its waterways and biodiversity, traffic congestion due to lack of public transport and car dependency, loss of open space, high visitation of our coastal and hinterland recreational areas, depletion of natural resources and shortfalls in health and social services.</p>
<p>Tipping points have been reached with cracks in our social, economic and environmental foundations. As a region identified as being particularly vulnerable to climate change, these compounding impacts</p>
<p>are set to irrevocably destroy the quality of life and essential ecological integrity so valued by the Sunshine Coast community.</p>
<p>The population figures cited in the South-east Queensland Regional Plan predict a 2.1% annual population growth rate - a plan blindly seeking to accommodate growth greater than any third world country, and one that is currently the highest in the developed world. It directs an additional 98,500 homes for about 250, 000 people in the next 20-30 years on the Sunshine Coast.</p>
<p>The projections include up to 37 000 homes to be provided by ‘infill’. While higher density through infill has the potential to reduce car dependence, improve access to public transport, and restrict urban sprawl, this concept only goes so far.</p>
<p>Densification will alter the current feel to one of a more urbanised, high rise aesthetic, eroding essential backyard biodiversity and habitat.</p>
<p>The SE Queensland Regional Plan ignores carrying capacity which recognises the economic ability of the region to support the maintenance of our human, social, built and natural capital. Nor does it address the risks of climate change, such as sea level rise, which is likely to be 1.2m or higher by 2100.</p>
<p>A recurring community sentiment has been borne out time and again – “We do not want to be another Gold Coast”</p>
<p>Such a future is clearly at odds with the sustainability platform which gave Mayor Bob Abbot his landslide electoral victory in March 2008. That community mandate translated into the vision now embodied in our Corporate Plan - “To become Australia’s most sustainable region, vibrant, green and diverse.”</p>
<p>Alarmingly, the core elements of Council’s plan to restrain overpopulation with its associated excessive development, and to protect environmental and liveability values, are rejected in the SEQ Regional Plan and subsequent legislation in favour of short-sighted, vested interests.</p>
<p>Research reveals that more than 60% of Queenslanders want government to take steps to limit south-east Queensland’s population growth - a growth that has been aided and abetted by the lack of federal and state action on a sustainable population policy.</p>
<p>It was in their submission to the Draft SEQ Regional Plan in April 2009 that the Council conveyed to the state government that the Sunshine Coast community opposed</p>
<p>arbitrary dwelling and population targets. Indeed, its planning scheme requires significant community consultation at the local level to co-create and define future communities.</p>
<p>The clear nexus between the development lobby and the state government has revealed pro development and pro growth is at odds with the Sunshine Coast council vision. But as a creature of the state, how would the council resist such regulatory directives?</p>
<p>The greenfield developments of Caloundra South and Palmview were fast tracked under the guise of addressing housing affordability for around 65, 000 people. With the addition of the Maroochydore town centre, 80,000 people are to be accommodated without any analysis of sustainable carrying capacity in these developments alone. At 50,000 residents, Caloundra South represents a city the size of Gladstone. Other slated developments take the region on a population trajectory exceeding half a million people by 2031. Initiatives undertaken to reduce the ecological footprint will be negated by this burgeoning population.</p>
<p>The new urban sites mentioned have now been declared master-planned areas by the Minister for Infrastructure and Planning, Stirling Hinchliffe. Such declarations lock in development rights over a 20-30 year planning horizon, denying future generations the choice in how the region</p>
<p>should or shouldn’t develop. Despite council&#8217;s development brinkmanship with the</p>
<p>state, an unprecedented level of population growth will proceed, and council’s intent on retaining its rather tenuous planning powers through its structure plans for these sites is really only a salve on a somewhat angry wound.</p>
<p>Nevertheless, it is critical that council’s sustainability principles and development constraints are upheld. These constraints recognise emerging global challenges, notably climate change, peak oil, emissions trading, water and food security and ecological rehabilitation.</p>
<p>Closer to home, water and sewerage systems, affordable housing, public transport including CAMCOS, open space recreation opportunities , renewable energy and efficiencies, community services and facilities, diversified employment supporting a ‘green economy’ and enhanced biodiversity are significant local constraints.</p>
<p>Bob Abbot’s reassuring position in promoting the region’s values and triple bottom line, and publicly promising to</p>
<p>“draw a line in the sand”, must continue to be supported and driven by the community at all levels.</p>
<p>Excessive population will impact on the entire region, not just the areas of infill and greenfield development. What level of change is acceptable? High rise, more motorways, crowded beaches, reduced access to expensive water?<span> </span>Are desalination plants and a region stripped of its biodiversity an acceptable result of continually trying to absorb more and more people?</p>
<p>The platform on which the council was elected remains no less valid today than it was in March 2008, so we need state and federal governments that fully examine the carrying capacity of our region and its inherent community values. Meaningful sustainability indicators must be incorporated to determine an ecologically sustainable future together with the political will to implement them.</p>
<p>A suite of data now demonstrates a region under extreme pressure. Currently, all the indicators defined in the Queensland Government’s own State of the Region report are in decline. The science and</p>
<p>the practicalities of inadequate infrastructure alone dictate a much more conservative approach. The growth rate must be slowed and strenuously addressed as a fundamental cause of ecological and sustainability collapse.</p>
<p><strong>The Sunshine Coast Environment Council calls for a sustainable population strategy that stabilises population, works with federal and other state jurisdictions on national policy and ensures all urban centres can provide a clean, healthy and sustainable lifestyle.</strong></p>
<p>Population growth does not equal economic growth. Statistically, those societies which adopt population policies and family planning are economically better off. Wealthier nations, in economic and social terms, are generally those with stable populations.</p>
<p>To live sustainably we must reduce our consumption patterns and our trajectory of exponential growth. We cannot continue with unfettered population growth without dramatic consequences to the ecological services on which we rely.</p>
<p>A constantly increasing population is NOT sustainable and is avoidable. Population growth is for the benefit of few people, but reduces the liveability of most.</p>
<p>As a passionate, engaged community concerned for the survival of the natural world, this message must be actively communicated to those who continue to shape our future.</p>
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		<title>Don&#8217;s View&#8230;</title>
		<link>http://www.hinterlandtimes.com.au/2009/04/02/dons-view-3/</link>
		<comments>http://www.hinterlandtimes.com.au/2009/04/02/dons-view-3/#comments</comments>
		<pubDate>Thu, 02 Apr 2009 07:04:56 +0000</pubDate>
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			<content:encoded><![CDATA[<p><a href="http://www.hinterlandtimes.com.au/wp-content/uploads/tn_greenfield-cartoon-april.jpg"><img class="alignleft size-medium wp-image-2346" title="tn_greenfield-cartoon-april" src="http://www.hinterlandtimes.com.au/wp-content/uploads/tn_greenfield-cartoon-april-294x300.jpg" alt="" width="294" height="300" /></a></p>
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		<title>Range Ryder - Beware the wastemakers!</title>
		<link>http://www.hinterlandtimes.com.au/2009/03/05/range-ryder-beware-the-wastemakers/</link>
		<comments>http://www.hinterlandtimes.com.au/2009/03/05/range-ryder-beware-the-wastemakers/#comments</comments>
		<pubDate>Thu, 05 Mar 2009 01:48:45 +0000</pubDate>
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		<category><![CDATA[Columns]]></category>

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		<guid isPermaLink="false">http://www.hinterlandtimes.com.au/?p=2194</guid>
		<description><![CDATA[
Has anyone out there ever met Jan Jarratt? How about Rachel Nolan? Christine Smith? Stuart Copeland? Andrew McNamara? Desley Scott? Bonny Barry? Peta-Kaye Croft?
Has anyone even heard of them? I ask, because all these people, and others, will receive a lifetime pension of at least $63,500 a year for doing nothing, compliments of the Queensland [...]]]></description>
			<content:encoded><![CDATA[<div id="attachment_1072" class="wp-caption alignleft" style="width: 160px"><a href="http://www.hinterlandtimes.com.au/wp-content/uploads/tn_range-ryder.jpg"><img class="size-thumbnail wp-image-1072" title="tn_range-ryder" src="http://www.hinterlandtimes.com.au/wp-content/uploads/tn_range-ryder-150x150.jpg" alt="Terry Ryder" width="150" height="150" /></a><p class="wp-caption-text">Terry Ryder</p></div>
<p>Has anyone out there ever met Jan Jarratt? How about Rachel Nolan? Christine Smith? Stuart Copeland? Andrew McNamara? Desley Scott? Bonny Barry? Peta-Kaye Croft?<br />
Has anyone even heard of them? I ask, because all these people, and others, will receive a lifetime pension of at least $63,500 a year for doing nothing, compliments of the Queensland taxpayer.<br />
They get this windfall for having served in State Parliament for eight years. Now that the State Government has called an election, any of the MPs who have eight years service don’t need to worry too much about losing. They can live off the public purse for as long as they remain breathing.<br />
Given that we’re going to financially support these parasites for life, we really should have met them – or at least heard of them. They must have done something pretty damn special to deserve such generosity (in addition to their salaries).<br />
Meanwhile, over at another of our many branches of government, Queensland mayors recently won their second pay rise in a matter of months after complaining of being over-worked and under-paid. Last year they wangled 20% pay rises and from January they got another 5%. Some are now paid $150,000 a year.<br />
The curious thing is that council elections were held only last year. All the people now serving as mayors absolutely begged us to put them in the job. Now they’re claiming they don’t get paid enough. Presumably they knew the pay rates before they harassed us into electing them.<br />
This reminds me of a Maleny politician whose first act as a councillor was to vote for a pay rise, claiming over-work/under-pay. This was before actually doing any of the work for which the councillor was elected.<br />
Meanwhile, at yet another bloated level of government, Kevin Rudd pushed through bonus payments for his senior advisors (who earn $250,000 a year) in the same week that he demanded workers show wage restraint because of the downturn.<br />
The theme here, once again, is waste. One of the many reasons we pay increasingly large sums in rates, taxes, duties, levies, charges, fees, tolls, excises and dues is because politicians are far more generous to themselves than they are to us.</p>
<p>• Anna Bligh, the only Premier with a private jet, used it to fly to Townsville to watch a footie match at a cost of $11,000 – when a return ticket with Virgin Blue would have cost $168. She also used the jet to fly to Sydney for a State of Origin match.<br />
• Queensland Rail organized a 60-guest Riverfire function costing $30,000 then scrapped it (at a cost of $24,500 because of the late cancellation).<br />
• A Gold Coast councillor cost ratepayers $15,000 for a trip to Dubai with her husband to hand out pamphlets at a conference.<br />
• A Tasmanian politician spent $63,836 on a trip to the US, accompanied by his wife.<br />
• In Victoria, where public transport is in a dire state, the Transport Minister outlaid $23 million to have her offices refurbished.<br />
• A toxic water study for the Queensland Government, expected to cost $107,000, ended up costing $2.6 million – sparking a CMC inquiry into where the money went.<br />
Many of us are familiar with the British television series Yes Minister. Most people thought it was a comedy. It was, in fact, a documentary.</p>
<p><strong>Terry Ryder</strong></p>
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		<title>Don&#8217;s View</title>
		<link>http://www.hinterlandtimes.com.au/2009/03/05/dons-view-2/</link>
		<comments>http://www.hinterlandtimes.com.au/2009/03/05/dons-view-2/#comments</comments>
		<pubDate>Thu, 05 Mar 2009 01:47:47 +0000</pubDate>
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		<title>Don&#8217;s View&#8230;</title>
		<link>http://www.hinterlandtimes.com.au/2009/02/04/dons-view/</link>
		<comments>http://www.hinterlandtimes.com.au/2009/02/04/dons-view/#comments</comments>
		<pubDate>Wed, 04 Feb 2009 02:56:00 +0000</pubDate>
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		<title>Life Matters - Leaving Struggle Street  - Ellen Schafer &#038; Assocs.</title>
		<link>http://www.hinterlandtimes.com.au/2008/10/02/life-matters-leaving-struggle-street-ellen-schafer-assocs/</link>
		<comments>http://www.hinterlandtimes.com.au/2008/10/02/life-matters-leaving-struggle-street-ellen-schafer-assocs/#comments</comments>
		<pubDate>Thu, 02 Oct 2008 04:40:39 +0000</pubDate>
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		<description><![CDATA[WE’VE ALL HEARD THE EXPRESSION ‘WORK/LIFE BALANCE’ BUT HOW DO PEOPLE DO IT?
Do you ever wonder how you can make any improvements to your lifestyle when you are still trying to meet your mortgage payments and run a household? Are you under the misconception that people that visit financial advisers have lots of money to [...]]]></description>
			<content:encoded><![CDATA[<p><a href="http://www.hinterlandtimes.com.au/wp-content/uploads/tn_ellen-co.jpg"><img class="alignleft size-thumbnail wp-image-647" title="tn_ellen-co" src="http://www.hinterlandtimes.com.au/wp-content/uploads/tn_ellen-co-150x150.jpg" alt="" width="150" height="150" /></a>WE’VE ALL HEARD THE EXPRESSION ‘WORK/LIFE BALANCE’ BUT HOW DO PEOPLE DO IT?<br />
Do you ever wonder how you can make any improvements to your lifestyle when you are still trying to meet your mortgage payments and run a household? Are you under the misconception that people that visit financial advisers have lots of money to invest?<br />
YOU DON’T HAVE TO BE WEALTHY TO INVEST<br />
Most people fear poverty more than anything else but very few people take any action to prevent it.  The sad part is that making provision for the future is not that hard and does not have to mean years of hard graft and sacrifice. <br />
Wage earners have a tendency to believe they are powerless when it comes to changing their financial destiny because they are limited by their income and how much they can save.  That is not necessarily true because there are some very straightforward ways of creating wealth that can be accommodated in most budgets. <br />
START SMALL BUT DREAM BIG<br />
As financial advisers we often run into people who think we only offer a service for those who have already accumulated their wealth – however nothing could be further from the truth.  For example, would you be surprised to learn that some of wealthiest clients started their careers working ‘on the tools’?  It’s not just the white collar professional that can become wealthy.  Remember - you don’t have to be wealthy to invest, but you do have to invest to become wealthy.<br />
The difference between the haves and have-nots is all in the attitude.  Setting a few goals and doing some forward planning can prepare you for whatever opportunities and obstacles may lie ahead, no matter what stage of life you’re at right now.<br />
DON’T LISTEN TO THE HERD<br />
Statistics show less then 2% of the Australian population end up retired with enough funds to do the things in retirement they always dreamed of doing.   The startling aspect of that statistic is that it means less than 2% of the people you speak to about your finances, know what they are talking about! <br />
IT’S NOT ROCKET SCIENCE<br />
Financial planning is not about telling you WHERE to invest your hard earned dollars.  Financial planning is about HOW to accumulate the dollars to invest!  We call it strategy.  That means showing you how to grow your money whilst you still have that 30 year mortgage, kids in school and a household to run. <br />
It’s important to recognise that there are no guarantees in life – there is no certainty any of us will even make retirement, so any financial planning you do should include goals to be met along the way.  It just does not make sense to only focus on a retirement plan for a couple aged in their 40s! <br />
GET EDUCATED!<br />
Anyone who is interested in learning how to create wealth without detracting from their current lifestyle should attend one of our investment workshops and if you call and tell us you are from the Hinterland your first appointment will be at our expense.<br />
If you already have a financial plan in place perhaps you should come in for a cup of coffee and a second opinion.  Either way - ring Cathy on 5445 6044 to arrange a time suitable to you.<br />
The advice may note be suitable to you because it contains general advice that has not been tailored to your personal circumstances.  Please seek personal financial advice prior to acting on this information.<br />
Ellen Schafer &amp; Assoc. Pty Ltd ABN 67 072 661 548 is an authorised representative of GWM Advisor Services Limited, ABN 96 002 071 749, an Australian Financial Services Licensee with it’s Registered Office at 105-153 Miller Street, North Sydney</p>
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		<title>Financial Matters: ES &#038; A Finance answering your questions</title>
		<link>http://www.hinterlandtimes.com.au/2008/10/02/financial-matters-es-a-finance-answering-your-questions/</link>
		<comments>http://www.hinterlandtimes.com.au/2008/10/02/financial-matters-es-a-finance-answering-your-questions/#comments</comments>
		<pubDate>Wed, 01 Oct 2008 22:49:30 +0000</pubDate>
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		<description><![CDATA[ellenandco-questions1Question
I am a 36 year-old married man with two kids under 8 and my wife works one day a week. I recently took a job that involves me living away from home although I am away for two weeks and then home for two. My income has increased by nearly 100 per cent but I [...]]]></description>
			<content:encoded><![CDATA[<p><a href="http://www.hinterlandtimes.com.au/wp-content/uploads/ellenandco-questions1.eps">ellenandco-questions1</a>Question<br />
I am a 36 year-old married man with two kids under 8 and my wife works one day a week. I recently took a job that involves me living away from home although I am away for two weeks and then home for two. My income has increased by nearly 100 per cent but I am finding that a lot of the increase in income is taken in income tax.<br />
I have had financial advice to salary sacrifice some of my income into super which would save on tax and build up our retirement nest egg. We were wondering if this was the best thing to do in our circumstances.<br />
Regards,<br />
James.</p>
<p>Answer<br />
Dear James,<br />
Whilst the advice you have been given is not bad advice, you should consider a couple of things. First of all, your job is relatively new and there will be a settling in period before you can really judge if it suits you and your family. So it might be wise not to make any commitments based on your increase in salary for around 12 months.<br />
Secondly, superannuation is a great place to build up a retirement fund, but you will not be able to access those funds until you reach the legislated retirement age, and for you at 36 that’s still 24 years away!<br />
Without knowing anything other than what you have written here it is not possible to give you concise financial advice, but you could give consideration to some form of negative gearing (outside of super) which would also reduce your tax. For example, if you were paying $10,000 per year interest on an investment loan, all of the interest you pay would be deducted from your income thereby reducing your tax. This would also give you an asset that was accessible well before you reach the age where your superannuation funds will become available to you – besides your financial plans will change as your family grows and you have to educate them etc.<br />
We suggest for the time being, you pay the income tax and save whatever excess income you can between now and May next year in a bank account. When you have been in your new job for that length of time you will know if the job really suits you and your family, and if it does, and you find you are saving well – seek financial advice again then, and it will still not be too late to get back some of the income tax you have paid.</p>
<p>Regards,<br />
Ellen, Julie and Grant<br />
The advice may note be suitable to you because it contains general advice that has not been tailored to your personal circumstances.  Please seek personal financial advice prior to acting on this information.<br />
Ellen Schafer &amp; Assoc. Pty Ltd ABN 67 072 661 548 is an authorised representative of GWM Advisor Services Limited, ABN 96 002 071 749, an Australian Financial Services Licensee with it’s Registered Office at 105-153 Miller Street, North Sydney</p>
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