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How to leave a financial legacy in a tax-effective manner

<p dir="ltr">The taxman needn’t be the biggest beneficiary of your financial legacy – so long as your plans are properly enacted while you still walk the earth. While Australia doesn’t have an inheritance tax per se, there are a range of other tax implications and inheritance rules to consider – which may determine how, and even if, you leave a financial legacy for your loved ones.</p> <p dir="ltr"><strong>Where there’s a will</strong></p> <p dir="ltr">In 2015, it was estimated that just over half of Australians (59 per cent) have a will. I’d wager a good chunk of those are outdated too – not reflecting separations, remarriage or additions to the family. Most people without a will aren’t choosing to avoid one, but apathy about the need for one has set in. It is difficult to leave a financial legacy – other than confusion and conflict – if you don’t have a current will in place upon your death. Not only does it outline your wishes as to who gets what, it forces you to consider how each asset will be passed down and minimise the taxes and other costs your beneficiaries will inherit.</p> <p dir="ltr">Remember too that your beneficiary may be subject to Capital Gains Tax (CGT) on assets they sell. For example, if you leave someone a rental property, they will likely have to pay CGT when they sell it for the time you owned it – even if they made it their primary residence. That could come as a nasty shock to them.</p> <p dir="ltr"><strong>Nothing and no one is equal</strong></p> <p dir="ltr">Not all assets are treated equally; neither are all beneficiaries. For instance, certain entities are governed separately from your will. Superannuation is perhaps the main one, but so too are trusts and companies. Hence you should nominate beneficiaries of these entities to ensure they pass on to your intended recipients. Otherwise, they may be subject to a forced sale – wiping out your legacy. Keep them updated too – otherwise your ex could get an unintended windfall. </p> <p dir="ltr">For jointly owned properties, whether you are tenants in common or joint tenants will determine whether they have automatic right of survivorship. A superannuation death benefit may or may not be taxable, depending on various factors at the time of your death. And if you leave an asset to charity that is subject to CGT, it is your estate – not the charity – which bears the tax burden. So, you may want to leave extra cash in your estate to cover this.</p> <p dir="ltr"><strong>Keeping assets in the family</strong></p> <p dir="ltr">A financial legacy usually involves family and passing assets down through generations. How these assets are structured often dictates the ease and cost of doing so. As superannuation is treated outside of a will, it can be great for distributing money within a blended family to ensure everyone is provided for. Self-managed super funds (SMSFs) can include multiple generations but may add complexity when someone retires and begins drawing down super before others do. Or if the asset is illiquid.</p> <p dir="ltr">Conversely, family trusts can offer more flexibility for family-owned assets than super but may not provide the same tax benefits. Also consider how any children or grandchildren under 18 are provided for – and who oversees their inheritance until they turn 18. Testamentary Discretionary Trusts (TDTs) can be useful, taxing assets at the adult rate instead of the higher child tax rate.</p> <p dir="ltr"><strong>Good business</strong></p> <p dir="ltr">Ownership structures and new management can affect the profitability and even viability of a business as a going concern, as well as its goodwill among customers, staff, and suppliers. Family businesses should have a plan for who will assume operational control, and whether each director will inherit an equal share. For business partnerships, consider buy/sell agreements to manage insurance policies and ownerships to surviving business partners and your spouse or children.</p> <p dir="ltr">Meanwhile, examine financial and tax implications too. Outstanding director loans to you can affect the tax status of both the business and your personal estate. And commercial transactions may attract transfer duties or stamp duty.</p> <p dir="ltr"><strong>Helen Baker is a licensed Australian financial adviser and author of the new book, On Your Own Two Feet: The Essential Guide to Financial Independence for all Women (Ventura Press,</strong></p> <p dir="ltr"><strong>$32.99). Helen is among the 1% of financial planners who hold a master’s degree in the field. Proceeds from book sales are donated to charities supporting disadvantaged women and children. Find out more at www.onyourowntwofeet.com.au</strong></p> <p dir="ltr"><em>Image: Shutterstock</em></p>

Money & Banking

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14 etiquette rules we should never have abandoned

<p>Good manners never go out of style<br />Good manners evolve, but they never go out of style. If you’re skipping these social niceties, your manners may need a makeover.</p> <p>RSVPing in a timely manner<br />Maybe it’s because people receive so many invitations or perhaps it’s because invites have become so casual, often sent via email or social media, but the fact is that RSVPing has become as rare as men removing their hats indoors. While the hat issue isn’t a big deal anymore, failing to respond to an invite is not just a breach of good etiquette but a breach of basic humanity, says etiquette expert and author of Modern Etiquette for a Better Life, Diane Gottsman. “People need to buy food, plan entertainment, and other things that take significant cost and time,” she says. “Not RSVPing or waiting until the last minute makes the host’s job infinitely harder.”</p> <p>Taking off your sunglasses indoors<br />Go anywhere these days and you’re likely to see a variety of shaded eyes, even in indoor venues. Is everyone nursing a hangover, or is it just one more sign of our avoidance of others? “Unless you’re an A-list celebrity, don’t be shady: remove your sunglasses when greeting someone,” says etiquette expert and author of A Traveler’s Passport to Etiquette, Lisa Grotts. “Without eye contact, you can’t communicate properly, and looking at someone when they’re speaking increases understanding and shows respect.” If you’re outdoors, it’s fine to put your sunglasses on after you’ve greeted the person, but skip the shades when you’re indoors.</p> <p>Returning phone calls<br />Etiquette changes with the times and technology has forced some interesting compromises in this area, but not all of them are good. Take, for instance, the common practice of returning a phone call with a text. “Many people don’t like to talk on the phone and feel it is an inconvenience, but if someone has made the effort to call you, it is polite to call them back – with an actual phone call,” Gottsman says. “It’s easier to hear context, and complicated or sensitive information can be shared better via voice.”</p> <p>Waiting in line<br />Who isn’t in a hurry these days? Yet too many people feel like they’re entitled to special treatment and, as a result, they skip basic kindergarten-level niceties, like waiting in line and taking turns. Being late or impatient doesn’t mean you’re special and you get to cut to the front of the line, Grotts says. Ironically, people who jump the queue are often the ones who get the most upset when others take a shortcut. The bottom line about queues: treat others the way you’d like to be treated.</p> <p>Holding the lift<br />Too many people have developed an unfortunate wariness of strangers or have an attitude of ‘not my problem’ when they see someone else struggling in public. However, as long as safety isn’t an issue, you should still adhere to basic niceties, like holding the lift door for someone running down the hall, Gottsman says. “Many of us don’t even realise someone needs help because we’re looking at our phones,” she explains. “You should try to be mindful of others around you.”</p> <p>Being on time<br />Punctuality is a seriously underrated skill in today’s society. Even as things get more efficient and technology gets more accurate, it seems that we humans are finding more and more reasons to be late. This is very disrespectful, Grotts says. “When you are late, it says that your time is more important than everyone else’s.”</p> <p>Opening doors for men and women<br />Strange views of chivalry abound, but politeness is not gender-specific, Gottsman says. “Everyone appreciates not having a door slammed in their face, and it’s so easy to do. Why wouldn’t you do that small kindness?” She adds that it’s equally important for the person for whom the door is being opened to acknowledge the kindness with a ‘thank you’ or even just a nod. Note: You don’t have to hold open the door for the next 30 people.</p> <p>Remembering the little words<br />‘Please’. ‘Thank you’. ‘You’re welcome’. ‘May I?’ These simple words matter, Gotts says. “These basic social niceties can never be said too much and are the foundation of politeness,” she explains. “There is no excuse not to use them.”</p> <p>Asking permission first<br />This one may seem like a no-brainer, but we live in a society that seems to go by the motto ‘it’s better to apologise than ask permission’. People often assume consent and act accordingly – whether that’s hugging someone, posting a picture of them online, or snagging a taste of their food. “It’s polite to always ask permission before doing something to or for someone else,” says Bonnie Tsai, founder and director of Beyond Etiquette. It doesn’t need to take a lot of time or involve a formal contract. Getting permission can be as simple as asking, “Are you OK with this?”</p> <p>Sending thank-you notes<br />Everyone loves to be thanked, but hardly anyone seems to remember to do it these days. “Any way of saying thank you is wonderful, including a text or email,” Gottsman says. “But the gold standard is still a handwritten thank-you card.” Seeing your handwriting is meaningful to your loved ones, as is knowing that you took the time to do this. Plus, many people like to save these cards, and that’s much harder to do with an electronic thank-you.</p> <p>Minding your own business<br />Gossip makes for excellent television but terrible real-life relationships, and that fact is truer than ever in this age of constant information and instant communication. “You need to be so careful about what you say, both in public and private, about others,” says Gottsman. “Not only is it not polite to speak about others behind their backs, but it protects you as well. Remember: The internet is forever!”</p> <p>Standing when greeting someone new<br />When being introduced to someone new or greeting someone who’s coming into a group, it’s polite to stand to acknowledge them – and this is true for both men and women, Tsai says. “It shows that you are welcoming and also indicates respect.”</p> <p>Apologising, sincerely, in person<br />Watch any news channel and you’ll see many examples of faux-apologising – pretending to say they’re sorry while not actually accepting any responsibility or changing their behaviour. This is not only terrible etiquette but also counterproductive, Gottsman says. “If you’ve made a mistake, the right thing to do is to own up to it and apologise, sincerely, in person,” she says. If you’re too far away for this to be feasible, a phone call or video chat is the next best thing. Apologising over text almost never goes well since it’s too difficult to read tone and intent.</p> <p>Using good table manners<br />“Having proper table manners is sometimes seen as being ‘stuffy’ or ‘stuck up,’ but nothing could be further from the truth,” Gottsman says. “The whole point of practising good manners at the table is to ensure everyone has a positive, comfortable dining experience.” It’s not as tricky as you think.</p> <p class="p1"><em>Written by <span>Charlotte Hilton Andersen</span>. This article first appeared on <a href="https://www.readersdigest.co.nz/culture/14-etiquette-rules-we-should-never-have-abandoned?pages=1"><span class="s1">Reader’s Digest</span></a>. For more of what you love from the world’s best-loved magazine, <a href="http://readersdigest.co.nz/subscribe"><span class="s1">here’s our best subscription offer</span></a>.</em></p>

Mind

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12 rude conversation habits you need to stop ASAP

<p><strong>Interrupting people</strong></p> <p>It happens to everyone who likes chitchatting. Something pops into your head while your friend is speaking, and you interrupt them to blurt it out. Although this might happen occasionally, it’s definitely more of a rude conversation habit for many people. Emilie Dulles, who has more than 29 years of experience in traditional etiquette, says interrupting people is the most common rude conversation habit she encounters. Interrupting not only expresses a lack of interest or respect for the speaker, but it also stops people from sharing the punchline or pearl of wisdom that might come at the end of their story, according to Dulles. So always let others finish their thoughts completely unless what you have to say is extremely urgent or related to an emergency, adds Bonnie Tsai, the founder and director of Beyond Etiquette.</p> <p><strong>Overusing sarcasm</strong></p> <p>Sarcasm is a hit or miss in most conversations, especially if people don’t already know your sense of humour, according to Tsai. So always be mindful of your audience and determine if it’s the right time or place. “If you have to ask whether or not it’s appropriate, it’s most likely not,” says Tsai.</p> <p><strong>Only talking about yourself</strong></p> <p>Strictly talking about yourself while speaking with others makes you appear narcissistic and inconsiderate of other people and their feelings. “Everyone’s experience and feelings are just as important as yours,” says Tsai. “They want to be able to share their stories just like you want to share yours.” Not only is talking exclusively about yourself pompous but Julia Esteve Boyd, an international etiquette consultant based in Switzerland who travels globally, says that monopolising the conversation is just plain irritating and boring.</p> <p><strong>Scrolling while speaking</strong></p> <p>Being distracted by your phone is one of the rude conversation habits that are more popular than ever before, according to Tsai. “Our phones are great for connecting with those who are far away, however, it takes time away from those who we are with in the moment,” says Tsai. If you use your phone during a conversation, it might signal boredom, that you’d rather be elsewhere, or that whatever is happening on your phone is more essential. “The message won’t go away, but the person we are conversing with might,” says Boyd. Using your phone during a conversation is the “height of rudeness,” according to Boyd.</p> <p><strong>Always needing to be “right”</strong></p> <p>If the conversation takes turns into more of a debate, don’t worry about being “right.” Insisting on winning an argument doesn’t mean you win the fight since this kind of behaviour is rude, says Tsai. “The important thing isn’t about being right or wrong, but understanding where each other is coming from and the ability to empathise with one another without judgment,” says Tsai. “That’s how we can have more productive conversations to help us move forward and learn about one another.”</p> <p><strong>One-upping the other person</strong></p> <p>So your friend just mentioned their first-ever international trip to Italy – and all you want is to chatter away about your semester abroad in Milan. It might be a good idea to hold off. “Someone else sharing their experience with you doesn’t require you to counter with your own,” says Tsai. “They are simply sharing a personal experience with you rather than hear about how you recently had the same experience or something even better.”</p> <p><strong>Prepping your response before the end of a story</strong></p> <p>Too many people these days aren’t actually listening to a conversation intentionally. Instead, “they are waiting for their turn to speak, or in the worst cases, interrupting to get to speak right now,” says Dulles. Instead of preparing what you want to say next, Dulles suggests taking a deep breath and taking in what the other person says. After a few seconds pass, it’s your turn to speak.</p> <p><strong>Turning every conversation into gossip</strong></p> <p>Dulles says that gossip is at a new level in conversation today, thanks to social media. Not only is there less time to process information, but this also leads to comparison and envy – turning spectators into critics and gossipers in no time, according to Dulles. Whether you converse via phone or in person, the old adage holds true: If you have nothing nice to say, don’t say anything.</p> <p><strong>Asking probing questions</strong></p> <p>Some questions are just too personal for casual or group conversations. And Boyd has to correct her clients for asking these questions that are too personal. Instead, keep all conversational topics neutral. “Talk about your culture, another culture, food, travel, wine, hobbies, local news and general family questions,” says Boyd. If other people start in with intrusive questions, you can answer them without making things awkward. For people who ask how much money you make say, “Not enough!” Or if your cousin won’t stop asking when you’re having kids say, “I don’t know, but I may need a babysitter one day, can I count on you?”</p> <p><strong>Making inappropriate comments</strong></p> <p>It’s key to be respectful of other people’s boundaries and sensitivities, regardless of gender or culture. “If you accidentally let an inappropriate comment slip, apologise, take responsibility, and use it as a teaching moment for yourself and others,” says Tsai.</p> <p><strong>Not reading the room</strong></p> <p>If there’s one thing you take away from this list of rude conversation habits, it’s the importance of reading the room. This expression is popular because it speaks to the need for self-awareness as well as the awareness of others, according to Dulles. “Your conversation topics, tone and volume need to be streamlined to the setting and the people around you,” says Dulles.</p> <p><strong>Assuming you’re a good conversationalist</strong></p> <p>There’s always room for improvement, even if you don’t think you’re guilty of these rude conversation habits. “Conversation etiquette ultimately stems from having respect and consideration for others,” says Tsai. If you aren’t sure whether or not you have any conversation habits that come off as rude, ask your close friends and family to help you out. “They can help you be aware of any quirks or habits you have when you’re spending time with others that can be perceived as inappropriate,” says Tsai. More importantly, once you know these things, you can work on them and become an even better conversationalist.</p> <p><em>Written by Emily DiNuzzo</em><em>. This article first appeared on </em><a href="https://www.readersdigest.co.nz/true-stories-lifestyle/relationships/12-rude-conversation-habits-you-need-to-stop-asap?pages=1"><em>Reader’s Digest</em></a><em>. For more of what you love from the world’s best-loved magazine, </em><a href="http://readersdigest.co.nz/subscribe"><em>here’s our best subscription offer</em></a><em>.</em></p>

Relationships

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What ever happened to good manners?

<p>I grew up in a village in the UK and remember well that all adults felt free to comment on my behaviour if I stepped out of line. There were no special school buses - just the regular bus, on which school children paid half-price. It was not uncommon for the driver to stop the bus and walk down the aisle obliging half-price schoolkids to stand for full-price adults, but mostly he didn’t need to. We knew the rules and offered our seats as a matter of routine.</p> <p>The enforcement of expected behaviour shapes and maintains the communities in which we live: If you belong around here then this is right and that’s wrong. This is polite and that’s rude. I suspect that such boundary maintenance is easier to do in small scale societies. Less so in cities.</p> <p>Recently, I heard from one very angry Sydney-sider: “I stood up for a much older women as soon as I saw her getting on the bus and a teenager guy sat down in the seat instead! The older woman had to stand (and so did I). I was livid. The poor woman was almost falling over and no-one cared a jot." That wouldn’t have happened in my village!</p> <p>She followed-up with a text image of a young woman occupying two seats on a full bus (one seat for her and one for her handbag). Headphones on and engrossed in social media, it’s evident that she had no awareness of the needs of others.</p> <p>On the other hand, it can be constraining if everyone is constantly on your case about good behaviour (and we all have something to learn). There’s a point where it becomes downright interference. Yet our Sydney-sider longed for the involvement of others and my village bus driver, Dennis, wouldn’t have let her down. There was no way a teenage boy would nab the only vacant seat on his bus!</p> <p>Rudeness can be relative. It’s been decades since I travelled in Japan, but I still have a vivid memory of a woman on a bus so crowded that she had to stand with one foot on each of the two steps that descended to the exit. Even worse, she was carrying a child on her back who had his leg in plaster. I was horrified that the schoolkids on the bus didn’t jump up to offer her a seat. So I did, but she wouldn’t take it. I still don’t understand why not. Maybe I was rude to offer?</p> <p>When I conducted a straw poll asking friends to provide stories of rudeness, most saw it as a sin of omission rather than commission: “More than rudeness, I notice invisibility as I get older when I am waiting at counters, waiting for service at a cafe or at the butcher. I find you have to be very alert to the serving people and notice where you are in the queue or you'll get overlooked."</p> <p>I know what she means. Medical receptionists are very good at keeping me waiting whilst they’re busy doing something much more important than attend to incoming patients.</p> <p>So, given that ‘rudeness’ various across culture and time, how do we handle it when it happens?</p> <p>Dennis, my UK village bus driver confronted rude behaviour, but I suspect that Australians are more inclined to step-back, like our Sydneysider who just seethed inside. There is an element of self-preservation in this as Lizzie noted: “I try to avoid noticing rudeness or taking it personally, if I encounter it. I assume the person is just a rude person who is indiscriminately rude to everyone - not just me." </p> <p><em>Written by Lyn Martin. Republished with permission of <a href="https://www.wyza.com.au/articles/lifestyle/relationships/what-ever-happened-to-good-manners.aspx">Wyza.com.au.</a></em></p>

Retirement Life

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7 forgotten manners every parent should teach their child

<p>An important part of raising your child is teaching them good manners that they are able to apply not only around you, but also when they are on their own.</p> <p>Being polite can set your child up for success later in life.</p> <p>Beyond the basic “please” and “thank you,” you want your child to be able to show respect to their elders and know how to be a polite guest.</p> <p>Enforce these manners from an early age, and your child will catch on in no time.</p> <p><strong>1. "Please" and "thank you"</strong></p> <p>Teach your child to always say, “Please” when asking for something and “Thank you” when receiving something or someone has helped them.<strong><br /></strong></p> <p><strong><span>2. "Excuse me"</span></strong></p> <p>Teach them to say, “Excuse me” when they need to get through a crowd, bump into someone or want to get someone’s attention.</p> <p><strong>3. Please don't interrupt</strong></p> <p>Teach them to not interrupt, whether it be interrupting a conversation between two people that they are not a part of (unless it is an emergency) or when someone is speaking to them.</p> <p><strong>4. No unkind comments</strong></p> <p>Show them how it’s impolite to comment on other people’s characteristics or physical appearances, unless if it is a compliment.</p> <p><strong>5. Always ask for permission</strong></p> <p>Teach your child to always ask permission. It’s important that they understand if they aren’t sure about taking or using something, it is always better to ask first.</p> <p><strong>6. Shoes off!</strong></p> <p>Teach your child to take their shoes off whenever they enter someone's home/</p> <p><strong>7.</strong><strong> Don't litter</strong></p> <p>Teach them not to litter and how important it is to keep our earth clean.</p> <p><span>Once your child learns these important manners, they’ll have the drive to become even more courteous as they grow up.</span></p> <p><em>Written by Morgan Cutolo. </em><em>This article first appeared in <a href="http://www.readersdigest.com.au/true-stories-lifestyle/17-forgotten-manners-every-parent-should-teach-their-child">Reader’s Digest</a>. For more of what you love from the world’s best-loved magazine, <a href="http://readersdigest.innovations.co.nz/c/readersdigestemailsubscribe?utm_source=over60&amp;utm_medium=articles&amp;utm_campaign=RDSUB&amp;keycode=WRN87V">here’s our best subscription offer</a>.</em></p> <p><img style="width: 100px !important; height: 100px !important;" src="https://oversixtydev.blob.core.windows.net/media/7820640/1.png" alt="" data-udi="umb://media/f30947086c8e47b89cb076eb5bb9b3e2" /></p>

Family & Pets

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7 good manners that should never be forgotten

<p>A lot has changed in the world in the past few decades. There have been various fads and cultural norms that have influenced the manners and etiquette rules that people use.</p> <p>Here are seven manners that should never go out of style.</p> <p><strong>1. Never speak with your mouth full</strong></p> <p>Not only is it distracting when someone talks with their mouth full but it can also be off-putting. If you know you have something important to say during dinner conversation, pace your eating.</p> <p><strong>2. Never use your own spoon for the sugar</strong></p> <p>Multiple people will be wanting to get sugar. It only takes a few seconds to get another spoon from the kitchen, if one is not present.</p> <p><strong>3. Hold the door for people behind you  </strong></p> <p>It’s never nice when you are walking behind someone and a door slams into you because they didn’t hold it open. Holding the door shows that you are friendly and thoughtful.</p> <p><strong>4. Remember people’s names</strong></p> <p>In a society that is “connecting” with so many people online and offline, remembering someone’s names shows your value and respect for them.</p> <p><strong>5. Look people in the eye when talking to them</strong></p> <p>When you look at technology instead of a person, you are essentially saying you don’t find what they are saying is interesting.</p> <p><strong>6. Welcome new neighbours</strong></p> <p>If someone moves in near you, introduce yourself and bring a small welcoming gift. Your gesture will go a long way and is the perfect opportunity to form a new friendship.</p> <p><strong>7. Leave a place as you found it</strong></p> <p>It is always appreciated when you value someone else’s property.</p> <p>What manners do you think are most important? Let us know in the comments below. </p>

Retirement Life

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Prince George showcases his gorgeous manners at a café

<p>Prince George is certainly becoming a very polite young man, showing off his sweet manners as he ordered cake at a café near the family home.</p> <p>“Kate said to George, ‘Ask the nice lady what you would like to have,’” a patron at the Fakenham Garden Center café told <a href="http://www.people.com/people/package/article/0,,20395222_21021003,00.html" target="_blank"><strong><span style="text-decoration: underline;">People</span></strong></a>. “George said, ‘Excuse me nice lady, but can I have…’ and pointed to a cake on the counter.”</p> <p>The young royal, who just celebrated his <a href="/news/news/2016/07/royal-family-photos-prince-george-3rd-birthday/" target="_blank"><strong><span style="text-decoration: underline;">third birthday</span></strong></a>, then sat down with his mother for a spot of afternoon tea – or juice, in little George’s case!</p> <p>It’s nice to see the sweet Prince growing into such a well-behaved and kind young man, don’t you think?</p> <p><strong>Related links:</strong></p> <p><a href="/news/news/2016/07/prince-william-says-prince-george-is-spoilt/"><span style="text-decoration: underline;"><em><strong>Prince William says Prince George is spoilt</strong></em></span></a></p> <p><a href="/news/news/2016/07/find-prince-george-among-the-prince-williams/"><strong><em><span style="text-decoration: underline;">Prince William and Prince George puzzle</span></em></strong></a></p> <p><a href="/news/news/2016/07/royal-family-photos-prince-george-3rd-birthday/"><strong><em><span style="text-decoration: underline;">Royal family release new photos for Prince George's 3rd birthday</span></em></strong></a></p>

News

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Is it just me or are good manners hard to find?

<p><em><strong>Rowan Rafferty and Jan Wild are a couple of baby boomers who describe themselves as rewired rather than retired; determined to grab this time of life with both hands. They blog at <span style="text-decoration: underline;"><a href="http://www.retirement-planning.info/" target="_blank">Retiring Not Shy</a></span> to inspire and encourage you to live your best possible retirement.</strong></em></p> <p><img width="219" height="170" src="https://oversixtydev.blob.core.windows.net/media/22600/jan-and-rowan-retiring-not-shy_219x170.jpg" alt="Jan And Rowan Retiring Not Shy" style="float: left;"/></p> <p>I’m annoyed… and I don’t mind saying it.</p> <p>Why you might ask? Well, I seem to witness a lack of manners and courtesy on a regular basis.</p> <p>Maybe it’s because I have been bingeing on <em>Downton Abbey</em> where manners are considered essential, maybe it’s because last year we spent five weeks in France where the population is predominantly polite and quite formal. Or maybe it’s because I’m getting old and grumpy. I’m not sure, but grumpy I sure as hell am.</p> <p>I don’t expect anyone to attend Swiss Finishing School but I do expect common courtesy to be well, common. However, it’s seemingly increasingly rare, and its absence is not confined to any particular group. Sometimes you see acts of unexpected courtesy, extended gratuitously, which warm the heart… and other times…</p> <p>Recently we had someone coming around, following a big and quite expensive favour we had done them. A mutually convenient time was arranged and, as is usual in our household, we prepared to make them a coffee, procured biscuits and left our work spaces to await their arrival. After 20 minutes we began to wonder if something awful had happened – otherwise surely they would have called? But no, they arrived half an hour late, with no apology and when offered coffee said “oh no we just had one”… while we were waiting for them. Fair to say it wasn’t only our coffee that was steaming.</p> <p>I don’t know whether it is because people think that we are retired and have plenty of time on our hands, but even if that was the case (it’s not, we both work in our businesses) it is rude and inconsiderate. Even if we were only waiting for them to arrive and then leave so we could go to the beach, it is still our time and it is valuable.</p> <p><img width="524" height="295" src="http://retirement-planning.info/wp-content/uploads/2016/03/Manners-800x450.jpg" alt="image" class="img-responsive" style="display: block; margin-left: auto; margin-right: auto;"/></p> <p>I also see a lack of manners in many small ways; people starting to eat at a private dinner whilst those serving the food are still in the kitchen. Whatever happened to waiting until everyone was seated? Is that too much to ask or have they not eaten for a week and will expire if they have to wait. And don’t even start me on talking with your mouth full; I know, I know that person has something so life-changing to say and you need to hear it NOW.</p> <p>We love our mobile phones but taking a mobile phone call when you have been invited to dinner? Why even take your mobile unless you are in the middle of a family emergency? It can wait!</p> <p>And it’s not just me that is being affected.</p> <p>Note the recent brave act by some cafe owners who have signs up basically saying “if you are on a mobile phone, we won’t take your order”. What makes someone think that other customers should wait while they finish a conversation?</p> <p>I recently attended a half day photography course and not surprisingly we were asked at the beginning to turn off our mobile phones. Nothing rude about that. The amazing thing was what the course leader then told us. It seemed that in the past the request to turn off mobiles had not been made. He recounted two incidents:</p> <ul> <li>A class attendee was (without permission) videoing the course content and told the course leader he should stop moving around so much as it was making it difficult to get the footage.</li> <li>A woman answered her phone when it rang, sat in the class room, continued her conversation and then asked the course leader to keep his voice down as she was trying to have a conversation.</li> </ul> <p>I also recall a friend telling us that she had invited some of her friends around for a meal and when the friend arrived she was accompanied by two sons. That was fine because it was an informal meal; what was not fine was that the two young men were shirtless. Sorry, not acceptable, even at a BBQ.</p> <p>You notice I haven’t even begun to describe the behaviour of some on our roads. I think there is another whole post in that (but fear not, I won’t bore you on that score).</p> <p>So what do you think, am I just intolerant? Are we becoming a rude and inconsiderate society? What displays of poor or very good manners have you witnessed lately?</p> <p><em>This article first appeared on <strong><span style="text-decoration: underline;"><a href="http://www.retirement-planning.info/" target="_blank">Retiring Not Shy</a></span>.</strong> Follow Rowan and Jan on <strong><span style="text-decoration: underline;"><a href="https://www.facebook.com/retiringnotshy/" target="_blank">Facebook here.</a></span></strong></em></p> <p><strong><em>If you have a story or opinion to share, please get in touch at <span style="text-decoration: underline;"><a href="mailto:melody@oversixty.com.au">melody@oversixty.com.au</a></span></em></strong></p> <p><strong>Related links: </strong></p> <p><span style="text-decoration: underline;"><em><strong><a href="/lifestyle/family-pets/2015/10/old-school-skills-that-are-dying/">6 old-schools skills that are dying</a></strong></em></span></p> <p><span style="text-decoration: underline;"><em><strong><a href="/lifestyle/relationships/2016/06/steps-to-make-friends-after-60/">3 steps to make friends after 60</a></strong></em></span></p> <p><span style="text-decoration: underline;"><em><strong><a href="/lifestyle/family-pets/2015/07/kids-today-will-never-do/">10 things kids of today will never do</a></strong></em></span></p>

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