December 2016

The future of investment,directly to peoplePeer-to-peer investment and lending (or P2P) is growing in “It’s important investors know that all borrowers have skin inpopularity at a time when interest rates are historically low, so the game, or security of an asset, such as a registered vehicleyou may be asking how it works or if you can benefit from it as or from a property, or combination of both” Croad says.part of a balanced investment portfolio. Lending Crowd’s borrowing and lending process is all onlineSimply put, P2P is an online process where people who want and uses data to quickly assess risk, determine a credit ratingto borrow are matched with those who want to invest or lend. and assign appropriate interest rates. Qualified loan applicantsIt bypasses banks, avoids overheads and bureaucracy, and receive offers within minutes and can evaluate options with noprovides better interest rates for both lenders and borrowers. impact on their credit score.The technology behind P2P brings people together directly “We have created a very easy system using the latestonline meaning investors or lenders can earn competitively technology to eliminate unnecessary hurdles. After just fivehigher returns, which explains their rise in popularity when months we are already seeing how popular this is with a strongother investments are not attractive. community of active investors and borrowers,” Croad says.One of the latest P2P players to enter the New Zealand market Investors can register and deposit a minimum of $500 into anis Lending Crowd, a subsidiary company of Finance Direct, online trust account. They can then diversify investments overa highly successful finance company that’s been managing various loans from just $50 right up to the entire loan amount,borrower and private lending structures off-line since 1999. with multiple risk and return options.Wayne Croad, Managing Director of Lending Crowd, says the The company earns a fee from investors only from the interestcompany’s looked extremely hard at what really matters to earned, by the investors, compared to other P2P companiesinvestors and borrowers in New Zealand: that charge investors a percentage of both interest and principal. With Lending Crowd any refinance of borrower loans“Lending Crowd has been built with the prime focus of driving will not erode investor returns.down the cost of borrowing and providing great rates forinvestors at the same time. We offer crowd-sourced money In alignment with its policy of 100 per cent transparency anfrom like-minded people and institutions to make interest actual annual rate of return is calculated for investors after 90rates more attractive and with 100% transparency around fee days and provides net annual return (NAR) percentages at thestructures. This approach results in substantially more money end of six months of trading history.in the pockets of New Zealanders,” he says. To further mitigate risk and provide reassurance for investorsLending Crowd is the first P2P in New Zealand to offer small Lending Crowd also offers all borrowers a fully underwrittento medium sized businesses a solution for a no-fuss loan up to insurance product to cover them for death and terminal illness.$200,000, in addition to personal loans. Lending Crowd received its licence from the Financial Markets“There is a huge need for alternative financing for SMEs Authority in October 2015 and opened for business at theand the vehicle financing market is also ripe for a shake-up, end of the year.opening up many options for investment,” Croad says. “With all our expertise in the offline world we believe we haveLending Crowd also only manages secured loans, unlike some more hands-on expertise in credit and risk assessment than other P2P players. any other P2P player in New Zealand,” Croad continues. “We know security builds investor “We are very excited to be able to use technology to bring confidence especially for people borrowers and investors together and provide something new who are over 50 of age when risk and different that people will feel good about using.” appetite tends to be lower,” he says. For further information, go to www.lendingcrowd.co.nz seasons 51

BOOT'S ON THE OTHER FOOT NOWIn October, Fred Lichtwark was hobbling about Raglan in a Moon Boot. That's a knee-to-foot cast used to help thehealing of damaged lower limbs. He was wearing the boot because he'd fallen over a rock and broken his toes. Itwas just after he'd received the news that he'd been elected to the Waikato Regional Council. He was out on the coast gathering mussels and was so bemused by the win that he misjudged a step and did himself an injury.However, to anyone who knows Fred, and what he and his A nursery was established to propagate native plants, manuka,band of supporters have achieved over the past 20 years, the cabbage tree, flaxes and larger varieties. Long story short, in thesymbolic irony of the boot and his new position as Waikato intervening 20 years, more than half of Whaingaroa catchment,Regional Councillor becomes apparent. From an established something like 1800km of stream banks, gullies and harbourRaglan family, Fred is a keen fisherman and hunter and it was edges have been fenced off and re-planted with more than 1.2the pursuit of these interests that saw him on Stewart Island million native trees and shrubs from the Harbour Care nursery.back in the early '90s. Fred's expertise in restoring water quality and the healthWhaingaroa (Raglan) Harbour was his backyard, he'd grown up and vigour of harbours has led to his advice being soughtaround it and in it. But by that time its shellfish beds had been to create parallel programmes in the huge Kaipara andseriously depleted and the fishing had almost disappeared. Hokianga Harbours and the creation of around 30 land, riverThe reason for this was the muck, animal effluent, mud and and harbour-care groups from one end of New Zealand to thesilt draining off farms surrounding the harbour's considerable other. Fred has become a de facto ecologist and can explain incatchment that had blanketed and destroyed local shellfish detail the benefits of re-establishing shellfish in the harboursbeds, reduced the clarity of the water and caused endemic fish as one cockle, as filter feeders, can purify up to 200 litres of seaspecies including snapper to abandon it. water in a 24 hour period.Something needed to be done. With a group of helpers he Fast forward to the past ten years. Required to implementestablished Whaingaroa Harbour Care in 1995. It's task was Government's agreements with Waikato River Iwi, the Waikatoto begin the huge work of fencing off the streams and rivers Regional Council formed the Waikato River Authority whichfeeding water into the harbour to prevent livestock breaking was designed to provide co-governance between the councildown the stream banks, wading in the creeks and streams, and and associated iwi of the Waikato River catchment.pugging up the harbour margins, - all activities which pushedmud into the harbour destroying its 'water quality'. In September this year the Waikato Regional Council passed the River Healthy Rivers Plan. Initially covering the Waikato BEFORE AFTER52 seasons

and Waipa river catchments the 80-year blueprint is aimed So here's the irony. Fencing and planting out the harbourat doing exactly the same thing to the Waikato River as catchment costs money in resources and labour. The WaikatoWhaingaroa Harbour Care has done for Raglan Harbour - clean Regional Council has funds designated for this purpose andthe water by reducing agricultural run-off. Fred admits it himself, he has had an on-going battle with council bureaucrats to gain a share.The plan has been greeted with alarm by some farminggroups. In a recent opinion piece Federated Farmers Waikato So much so, that the sight of his shadow darkening the door atvice-president Andrew McGiven said the plans could result the WRC's Hamilton headquarters tended to set the knees ofin loss of business and jobs and would be of concern to all its bureaucrats to shaking.rural communities as the financial and social costs could benegative. However, Fred believes the job could be done for Shortly before the recent local authority elections Fred receiveda fraction of the cost and in a far shorter time if the model a letter from WRC chief Executive Vaughan Payne explainingalready well tried by Whaingaroa Harbour Care was used. that he was no longer welcome in the council's Hamilton headquarters building. It didn't go so far as a trespass order, but''We take a pragmatic approach - don't struggle with the it made it clear that he was seen as a threat to the health andfarmers and land owners who don't want to fence-off and plant safety of staff. Whaingaroa Harbour Care also lost its funding.margins, work with the people who do support the idea - the Fred has had to lay off two workers at the Harbour Care nurseryothers will come around over time when they see the benefits. and is currently unable to continue the re-planting work.Set-backs for fencing can be arranged to suit the landscape. Dothe easier parts first, some of the tough areas can be left for So, if you can't beat them join them, he thought, and stoodnature to take its course.'' for a seat on the WRC at this year's elections. Early resultsRather than a cost to farmers, the replanting of stream andriver margins should be seen as a win-win as the flowering indicated he had missed out. It must have Geoff Lewisplants including manuka and cabbage tree bring in bees. Bees been with some satisfaction that WRChelp to pollinate clover which can allow farmers to run higherstocking rates than previously. minions sent him a letter telling him that he had failed. That was until the special votes were counted and, he suspects, largely as a result of the staunch backing of his Raglan supporters, he gained a seat by a margin of 20 votes. The boot is on the other foot now.Hamilton Eye ClinicWaikato’s Specialist Eye Centre and Eye Surgery Facility We are a team of highly qualied and experienced Ophthalmologists, with Fellowship training in various subspecialties, providing an Ophthalmic service of excellence. We offer a comprehensive range of diagnostic and treatment services, including surgery in our adjoining purpose-built facility Bridgewater Day Surgery.General Ophthalmology • Cataract SurgeryStrabismus • Medical & Surgical RetinaPaediatric Ophthalmology • PterygiumUveitis • Oculoplastic & Lacrimal SurgeryGlaucoma Management • Acute Eye ConditionsNeuro-Ophthalmology • Visual ElectrophysiologyLaser Treatment • Macular Degeneration Management07 834 0006130 Grantham Street, Hamilton www.hamiltoneyeclinic.co.nz seasons 53

$150 CREDIT WHEN YOU TRADE IN YOUR OLD DENTURESON A NEW FULL SET OF PREMIUM DENTURESPlus 5% special discount forSeasons Magazine readersBring in this advert to qualify T’s & C’s Apply Valid until 28 February 2017Trouble Hearing?Call for your free hearing assessment!FREE 12 month supply of batteries withevery purchase of Hearing Aids BOOK YOUR FREE CONSULTATION TODAY If you loose or break your dentures over the Holiday season, we will be available to help you. Did you know that your contents insurance may cover broken dentures, enquire today.0800 11 23 24 www.clinico.co.nz

Simple ideas to make your property more attractive to buyersMake an entrance - Front Yard • Air your bathroom before inspections - bad smells are a buyer turn off!• Add interest to your doorway with potted plants • Add a little luxury with plump towels, handmade soaps, a• Pave a pathway to your front door plant or flowers• Spruce up your front door with a coat of paint • Add some boutique bath products• Consider improving privacy by adding a low wall at the front • If your bathroom is small maximise space by putting theof your house towel rail behind the door• If your hallway is narrow and dark, paint it a light colour andadd a broad floor runner Sleeping In Style - Bedroom• Invest in a new front door mat • Reduce the amount of furniture in small bedrooms to giveLiving Style - Lounge the impression of space • Storage is important - consider adding built-in wardrobes• Use neutral colours in your living space • Add a little luxury with fresh linen, puffed pillows and• Use receding colours like blues and greens to make the small extra cushionsspace seem larger • Dimmer switches create atmosphere in a bedroom• Find a focus in your room. If you don't have a natural focus, • De-personalise your bedroom but add little touches likeadd a feature wall candles and perfume bottles• Ensure your carpets are cleaned• Ensure marked or damaged timber floors are re-sanded Step Outside - Backyardand polished• Layout your living area to show how you live there • Trim your lawns and weed your garden beds • Defining your garden bed bordersThe Room That Sells - Kitchen • Add a focal point • Give the illusion of space in a courtyard by using large pavers• Fix the floor by lifting old lino and replacing it with new lino, • Introduce colour with pots of whatever is in flowerpolished floorboards or tiles• If your benchtops are scratched or stained, replace them with Finishing Touchesnew laminate benchtops• New cupboard and drawer handles will add life to an old kitchen • Ensure all areas have been dusted, vacuumed and place new• A fresh coat of paint will cover cooking splatters and add life light bulbs in all roomsto a drab kitchen • Add colour to neutral rooms through accessories• Kitchen clutter must be cleared • Keep window treatments simpleSoak Up a Sale - Bathroom • Disguise small windows: hang curtains from the top of the wall not the top of the window• Your bathroom must be spotless and tiles clean • Add elegance by extending your curtain drop so it pillows on the floor• Fix or replace cracked basins, toilets or tubs • Don't go overboard with patterned accessories as they create a cluttered feelingLynda LeeLJ Hooker Hamilton Licensed Agents REAA 2008Supporting the Hamilton community since 1906Lynda has developed her realestate business basedon trust, results and referrals when selling propertythroughout the Waikato New Zealand. Want thebest price for your property, call Lynda today todiscuss your marketing options. T 07 843 3388 | M 021 309 216 [email protected] www.realestatehamilton.nz

Snacks for the Summer SeasonFoods that don't trigger carbohydrate binges are always welcome. Serves 2. Low calorie jellies made with an extra if available, squeezed with 1 tsp salt to teaspoon of gelatine to allow for hot release natural juices, 1/2 C chickpea weather, served as squares with a flour (besan flour, from Indian shops), 1/2 piece of fruit embedded (but not raw teaspoon Baking powder, 1/2 teaspoon pineapple which may prevent setting), hing or other preferred seasoning, or with raw fruit on the side, served pepper to taste. Mix veggies and dry with a dollop of whipped cream. ingredients. Add two egg yolks mixed with 1 Tablespoon water, fold in 2 egg 4-5 cm pieces of celery sticks stuffed whites, stiffly beaten. Shallow fry large with a mixture of cream cheese, finely spoonfuls, spread a little, in mild oil chopped preserved ginger, lemon such as rice bran oil or, grapeseed oil zest, and a little lemon juice to desired on medium heat, with glass lid on to texture. Can top with an edible flower make watching easy, turning when small such as borage or pansy. bubbles appear over the surface. About 2 minutes on first side, less on second.Vegetable pancakes for a satisfying Serve with a spiral of sugar-free tomatobreakfast or light meal made with sauce or mayonnaise on the pancake4C finely sliced vegetables, include a and a mini salad on the side.generous amount of chopped parsleyMaple Sugar Pumpkin PiePrep: 10 min. + chilling Bake: 1 hour + cooling Serves: 8Ingredients Method1 can (15 ounces) solid-pack pumpkin 1. In a bowl, combine the first 102 tablespoons all-purpose flour ingredients.1/2 teaspoon ground cinnamon1/2 teaspoon ground nutmeg 2. Pour into the pie shell. Bake at 425°1/2 teaspoon ground ginger for 15 minutes. Reduce heat to 350°1 tablespoon butter, softened and continue baking for about 451 cup sugar minutes or until a knife inserted near1 cup milk the centre comes out clean. Cool to2 tablespoons maple syrup room temperature.2 large eggs1 unbaked pie shell (9 inches) 3. Refrigerate.Whipped cream, optional 4. Garnish with whipped cream if desired.56 seasons

Wagga PuddingHere is a family recipe that is adaptable and retains it’s popularity. It is low fat and can be eaten hot or cold.Ingredients • Use half wholemeal flour. Cover with gladwrap. Bake at medium setting in an inverter microwave oven2 C flour • I haven’t seen whole preserved peel for 12 minutes. OR Put a small square of1 C sugar in decades! Use mixed chopped glace baking paper in the bottom of microwave1 ½ C sultanas peel or a mixture of preserved peel muffin moulds. Half fill moulds and bake½ whole Lemon Peel, chopped. and marmalade (use up marmalade on medium until raised and browned,1 whole nutmeg, grated. that has crystallised). OR Try quince about 6 to 8 minutes.1 tsp baking soda dissolved in conserve instead of peel.1 C boiling water Serving options1 Tbsp beef dripping dissolved in • Use 1 to 1 ½ Cups of sultanas, • Custard, Vanilla icecream or1 C boiling water. currants, raisins, craisins or mixed dried whipped creamOptional: add a few blanched almonds. fruit, chopped. • Greek Yoghurt with fresh blueberriesMethod • Use grated nutmeg powder if you or a fruit jam stirred through.1. Sift flour and sugar. Add washed can’t get whole ones to grate freshly –sultanas, nutmeg and lemon peel. but freshly grated is definitely best. • Brandy Sauce.Mix together well. Stand overnight incovered mixing bowl. Microwave cooking instructions2. Next day, stir well. Steam for 4 hours (This is where it really gets easy!)in greased covered pudding basin. MethodVariations• Use Olivani spread or butter instead 1. Mix as above and stand overnight inof beef dripping. covered mixing bowl. 2. Line a microwave ring dish with baking paper (I just use a square of baking paper torn into thirds, with one side torn towards the centre in a couple of places – lay in ring dish in a triangle arrangement).Parmesan Delights Submitted by Delwyn WhiteThese never fail cheesy crisps are so quick and easy to make and just right and light seasons 57to serve with coffee when visitors come in during the holidays. Makes 12. Ingredients 2. Flatten lightly before putting a little of 125g of finely grated Parmesan Cheese the nut/sesame seed mixture on top. (I usually buy it ready grated) 3-4 walnut halves finely grated or 3. Place 2-3 thyme leaves in the centre. crushed and/or sesame seeds Thyme leaves 4. Bake at 200 degrees for about 10 minutes or till lightly golden. Keep anMethod eye on them as they tend to colour quite1. Space heaped dessert spoonfuls in quickly.neat piles on an oven tray. 5. Remove from the oven and ease off the tray before they cool completely or they will crack. They keep well for days when stored in an airtight container.

Laughter isthe best medicine The lighter side of getting olderENTRANCE TO HEAVEN HAMMERING THE POINT HOMEThree men die on Christmas Eve and go THE KEY TO A GOOD A judge tells the defendant, “You’re chargedto heaven, where they’re met by Saint MARRIAGE with attacking your boss with a hammer.”Peter. “In order to get in,” he tells them,“you must each produce something I once gave my husband the silent “You jerk!” yells a voice from the back ofrepresentative of the holidays.” treatment for an entire week, at the the courtroom. end of which he declared, “Hey, we’reThe first man digs into his pockets getting along pretty great lately!” “You’re also charged with attacking aand pulls out a match and lights it. bartender with a hammer,” says the judge.“This represents a candle of hope.” SOCIAL MEDIA EXPERIMENTImpressed, Peter lets him in. “Jerrrrkkkk!” bellows the same man. I’ve given up social media for the NewThe second man pulls out a tangle of Year and am trying to make friends “Sir,” says the judge, “one more outburst,keys and shakes them. “These are bells.” outside Facebook while applying the and I’ll charge you with contempt.”He’s allowed in too. same principles. Every day, I walk down the street and tell passers-by what I’ve “I’m sorry, Your Honour,” says the man.“So,” Peter says to the third man, “what eaten, how I feel, what I did the night “But I’ve been this jerk’s neighbour for tendo you have?” before, and what I will do tomorrow. years, and every time I asked to borrow a Then I give them pictures of my family, hammer, he said he didn’t have one.”The third man proudly shows him a pair my dog, and me gardening. I also listenof red panties. to their conversations and tell them I THAT'S NOT HOW IT WORKS, love them. And it works. I already have GRANDPA“What do these have to do with three people following me—two policeChristmas?” asks Peter. officers and a psychiatrist. My Grandpa rarely dresses up, so when he left the bedroom decked out in a suit“They’re Carol’s.” SMOKY DINNER CALL and tie, he wanted to commemorate the moment. Handing me a camera, heGRANDMOTHER APPROVED My cooking has always been the asked, “Mind taking a selfie of me?” target of family jokes. One evening,Even with a thousand games, dolls and as I prepared dinner a bit too quickly, NO LABOUR REQUIREDcrafts to choose from, my customer at the kitchen filled with smoke and thethe toy store still couldn’t find a thing smoke detector went off. Although When my friend got a job, her husbandfor her grandson. both of my children had received agreed to share the housework. He fire-safety training at school, they did was stunned by the amount of effort\"Maybe a video or something not respond to the alarm. Annoyed, I involved in keeping a house clean witheducational?\" I asked. stormed through the house in search small boys to pick up after, and insisted of them. I found them in the bathroom, that he and his wife shop for a new\"No, that’s not it,\" she said. washing their hands. vacuum cleaner.We wandered the aisles until Over the loud buzzing of the smoke The salesman gave them asomething caught her eye: a laser gun alarm, I asked them to identify the sound. demonstration of the latest model. “Itwith flashing lights and 15 different comes equipped with all the newesthigh-pitched sounds. \"It’s the smoke detector,\" they replied features,” he assured them. in unison.\"This is perfect,\" she said, beaming. \"My The husband was not convinced. “Don’tdaughter-in-law will hate it. \"Do you know what that sound means?\" you have a ride on one?” he asked I demanded. \"Sure,\" my oldest replied. \"Dinner’s ready.\"

THE MAGIC PENNY HELD HOSTAGE I GAVE MY FATHER $100…We had just finished tucking our five My mother was away all weekend at a I gave my father $100 and said, “Buykids into bed when three-year-old business conference. During a break, yourself something that will make yourBilly began to wail. Turns out, he had she decided to call home collect. My life easier.” So he went out and bought aaccidentally swallowed a penny and was six-year-old brother picked up the present for my mother.sure he was going to die. Desperate phone and heard a stranger’s voice say,to calm him, my husband palmed a \"We have a Marcia on the line. Will you GOOD DRIVERSpenny that he had in his pocket and accept the charges?\"pretended to pull it from Billy’s ear. Billy Just heard on the radio that a lot ofwas delighted. In a flash, he snatched it Frantic, he dropped the receiver and women are turning into good drivers.from my husband’s hand, swallowed it, came charging outside screaming, \"Dad! So, if you’re a good driver, watch out forand demanded, “do it again!” They’ve got Mum! And they want money!\" turning women!The thought of moving house overwhelming? Call us 0800 389 957 022 658 1109Move Managers takes the stress out of preparing your home for sale, downsizing,moving or just wanting to get organised. When you're forced with the challenge of Visit our website for more informationdownsizing to a smaller home or need help clearing a home for sale, www.movemanagers.co.nzMove Managers is here to help. It's easy to get started. Just give us a call, we'll visit youto discuss your needs. Emails us at [email protected] www.facebook.com/movemanagersThe initial visit is free. Police checked, fully insured andhappy to provide testimonials.Celebrating 5 years of great results for our clients. seasons 59

pet page Proudly Sponsered by Issue 01Christmas ChecklistWell it’s that time of the year again and as we look forward to the festiveseason, it can be easy to forget about our pets needs. It’s important toensure vaccinations are up to date, enticing human edible treats are out ofreach of our pets, and don’t assume that fleas are taking a holiday.Vaccinations must be up to date if dogs are going into Chocolate contains theobromineboarding kennels and cats into catteries. These are required and caffeine which can affectannually. the heart, causing arrhythmias,Fleas are a year round problem and adult fleas can lay in seizures and potentially death. 20% offexcess of 50 eggs a day. There are some great new options Other symptoms are vomiting,available at your vets, from oral tablets to spot-ons andcombination flea and worm treatments. Some veterinary flea diarrhoea and excessive panting. Royal Canin maintenancetreatments now last up to eight months. The darker the chocolate, the diets for seasons readers more theobromine – 2 squares ofChristmas dinner is done and there is a bit left on the side DECEMBER ONLYof your plate. This hasn’t gone unnoticed! A faithful friend dark chocolate for a small dog is ais sitting patiently at your feet with puppy dog eyes and lipsare smacking – sound familiar? What a shame to throw these toxic dose.tasty bits away when someone would happily do six rolloversjust for a look. Onions and garlic contain thiosulphates which cause vomitingBUT many Christmas goodies are toxic to pets. and diarrhea and potential anaemia.Fat Titbits such as the Xmas ham-bone or rind are sometimes Alcohol can cause vomiting, liver failure and death. Remembergiven as “treats”, or scavenged out of the rubbish bin.However, they can potentially trigger acute pancreatitis, a to wipe up any spilled alcohol before your pet does.painful and sometimes deadly condition. The main symptomsare abdominal pain and vomiting. Cooked Bones can become brittle and splinter, potentially perforating the intestine and causing peritonitis. If ingested, uncooked bones can also cause obstructions or lacerations to the intestines. Take care when disposing of corn cobs and kebab sticks also. Grapes and raisins which may be found in a Christmas fruit cake or pudding, can cause acute kidney damage and failure. The toxic dose for ingestion is very small - 19g/kg for grapes and only 3g/kg for raisins. We want our furry friends to have a safe and happy Christmas so if you do have any concerns or suspect they may have ingested something toxic during the festive season, contact your vet immediately for advice. Vetora companion animal services • Veterinary care available 7 days a week • One stop Retail Shops • Ultrasound and Orthopaedic referral services • Luxury Boarding Cattery and DIY Dog Wash (Cambridge)Proudly Sponsered by

Ph: 07 846 1561 Where we celebrate life24 hours, 7 dayswww.seddonpark.co.nzThis month’s puzzle pages are proudly brought to you by Seddon Park Funeral HomeQuickie Crossword Across Down 1 Brothers (8) 2 Put back (7) 6 Top card (3) 3 Plaything (3) 9 Put to use (5) 4 Gypsy (6) 10 Warlike (7) 5 Scandinavian language (9) 11 Group of soldiers (7) 6 Lithe (5) 13 Vote into office (5) 7 Brilliant success (5) 14 Required (6) 8 Occur (6) 15 Magician (6) 12 In the red (9) 19 Quarrelled (5) 16 Savoury pear-shaped fruit (7) 21 Card game (7) 17 Hazard (6) 22 Stir up (7) 18 Maintenance (6) 23 Fatuous (5) 19 Arrive at (5) 24 Concealed (3) 20 Eerie (5) 25 French emperor (8) 23 Sick (3)Cryptic Crossword Across Down 1 Follower putting record on new pile (8) 2 Tedious smoker I put out (7) 6 Dine in The Athenaeum (3) 3 Coat turning up in river (3) 9 Fibre from old ropes - or wood - universal 4 See Pat exchanging foreign material's origin (5) currency (6) 10 A symbol of authority must involve 5 Holly, perhaps, always caring for respect (7) the environment (9) 11 Attempt to get placed in field event (4,3) 6 Out of context, rather more (5) 13 Woman's mealtime prayer (5) 7 Trees oft hewn in Hants? (3,3,6) 14 Chaperone expected girl back (6) 8 Have boys in cradle changed 15 Start to show to advantage (3,3) much? (12) 18 Alter dance again? (5) 12 Eulogy upsetting gay prince (9) 20 Fir cone might come from this sort of 16 Unconventional - like retired tree (7) policeman? (7) 21 Two beastly males providing stiff fabric (7) 17 Man with cue, getting break, 22 A board game for you and your mates? (5) displays keen perception (6) 23 Affirmative start to yesterday (3) 19 Devices for lifting cards? (5) 24 Building material for start of construction 22 Vehicle beginning to cross a on Greek island (8) river (3) seasons 61

Giant CrosswordDown 33. Kings of the jungle Across 34. Piecrust ingredient1. Assist in crime 36. Jetty 1. Extent2. Marcel Marceau was one 37. Makes a mistake 6. Part of a skeleton3. Rascal 38. Lease 42. Barely enough 10. Bog4. Skin irritation 43. Poetic dusk 14. Nascence5. Stealer 45. Overturn 15. God of love6. Wager 47. Mops 16. Midmonth date7. American songbird 48. Anaglyph 17. Gauntness8. Pastas 49. Barker 19. G G G G9. Feudal worker 51. East southeast 20. Leash10. Mediterranean woody annual plant 52. Chores 21. Lyric poem11. Something to shoot for 54. Tastes 22. Central area of a church12. Female ruff 56. Windmill blade 23. Ruffle13. S S S S 18. Arrive (abbrev.) 57. Weightlifters pump this 25. Metalwares24. Actress Lupino 58. Anagram of \"Silo\" 26. Swill25. Adolescents 59. Part in a play 30. Intensify26. Trim 62. Crimson 32. A short novel27. Part of the outer ear 35. Roomette28. Not under 39. A European peninsula29. Treacherous 40. Whole31. Urgent request 41. Carry out 43. Not western 44. Produce a literary work (archaic) 46. At one time (archaic) 47. Oodles 50. A nine-piece musical group 53. Dry riverbed 54. Take in slowly 55. Redeemer 60. Ammunition 61. Showman 63. Boyfriend 64. Wan 65. Small hill 66. Male offspring 67. Toboggan 68. Feel62 seasons

00211 Gwiwawn.intnSoluuddic.ocokmu 14 1 2 6 12 3 7 4 16 5 7 9 14 11 13 16 10 12 15 15 10 1 13 9 2 12 6 3 7 10 8 3 16 15 4 2 14 11 513 49 8 8 11 3 1 16 14 5 13 15 16 15 12 8 10 51 13 2 9 14 5 14 3 1 16 2 4 14 9 15 6 5 74 8 13 12 3 15 6 11 7 3 2 248 6 5 13 10 16 13 11 7 14 3 5 14 6 15 10 16 9 11 2 4 7 6 14 10 12 8 13 9Quick SudokuEasy Medium Hard seasons 63

Mini Crosswords Mini Crossword 02 Mini Crossword 01 Across Down Across Down 1. Perspicacious 1. Scam 1. Evolve 1. Diminish 5. Inactivity 2. Foreword 5. Windstorm 2. Wordy 6. Idiom 3. Adjure 6. One more 3. Tanned animal skin 7. Voter 4. Quisling 7. Proposition 4. Computer instructionsMini Crossword 03 Mini Crossword 04 Across Down Across Down 1. Amusing 1. Compatibility 1. Written message 1. Someone in 5. Associate 2. Physician 5. Give a detailed charge 6. Run 3. Dressing account 2. Excel 7. Trigonometric 4. Sincere 6. Igneous rock 3. Envisage function 7. Esteem 4. ComponentBrain Teasers Brain Teaser 02 Brain Teaser 03Brain Teaser 01 Here are the names of four flowers with the Rearrange the letters of the following vowels removed. What are the four flowers? phrase to give the name of a U.S. stateRearrange the following letters to give the name of a famous singer GRNM GRDN CLMBN CLNDN VIEWING A STIR WESTERN VIDEO64 seasons

MastermindAccording to Dart Board Regulations, how high should the centre of the bullseye be from the floor in feet and inches?In which US city was Dr Martin Luther King assassinated in 1968?What type of flesh does a pescatarian eat?Suva is the capital of which South Pacific island?Gorgonzola cheese is from which country?Which European capital city lies on the River Vistula?Siderodromophobia is the irrational fear of which mode of transport?Which Roman god was said to be the father of Romulus and Remus, the 'founders' of Rome?What is the title of the last UK number one hit for Swedish group Abba?Michael Hutchence was lead singer in which 1980’s Australian band?Wordsearch 1950's Songs Find and circle all of the 1950's song titles that are hidden in the grid. The remaining letters spell the title of an additional 1950's song. BLUEBERRY HILL MONA LISA BO DIDDLEY MOVE IT BYE BYE LOVE MYSTERY TRAIN CRAZY ARMS NIGHT TRAIN DJANGO ONLY YOU DONNA PEGGY SUE EVERYDAY RAVE ON FEVER RED HOT HEARTBREAK HOTEL RIP IT UP HONKY TONK RUMBLE HOUND DOG SEARCHIN' JAILHOUSE ROCK SHOUT KANSAS CITY SIXTEEN TONS LA BAMBA SPEEDO LONELY TEARDROPS SUZIE Q LONG TALL SALLY TAKE FIVE MACK THE KNIFE TEQUILA MANNISH BOY TUTTI FRUTTI MAYBELLENE YAKETY YAK MISTY YOU SEND MEFind the answers to all puzzles in the February issue of Seasons magazine seasons 65

Crazy CrypticsCrazy Cryptic 01 Across 1 Why, a car accident on the London Underground! (7) 5 Support fund (7) 9 I challenge son to name vines (5) 10 Booze rating on foreign article: Easy to swallow (9) 11 Lands awkwardly by carrying measure to Florence and outskirts of Paris (5-5) 12 Miserable brothers - not married (4) 14 Pitch sailor - English - and retired copper into tossing sea to accompany fish (7,5) 18 Caught daredevil at the top of the stairs making disastrous descent! (5,7) 21 Press casually for music (4) 22 It flashes a warning to underweight Villa (10) 25 State of oarsman in trouble (3,6) 26 Picnic shade? (5) 27 The Boss is out of season; nine entered - and seven more (7) 28 Howl, duck and catch knife (7)Down 13 A lack of correspondence in time confuses horsy Nancy (10) 15 Jazz article - one about convention (9)1 With hands on hips, in Kanga Kim bounded (6) 16 Surpasses by putting twig on head and eating prunes! (8)2 Say, cold capsicum's fruit is hot! (6) 17 Don x-rays smashed quartz (8)3 Spineless pantomime character (5-5) 19 Lawn Tennis Association appears in tabloid leader (6)4 Call, Hey, Derek! (5) 20 Model girl retires to Royal retreat (6)5 Led miss quietly over before start of day (9) 23 Nuclear device with hard shell (1-4)6 Classic trees (4) 24 Feeble material (4)7 Lesser member spoons grub soup (8)8 Colder, damper but sounds more spacious (8)Across Crazy Cryptic 021 A more recent version of \"Not in bed with escort\" (6)5 Brief al fresco transmission of the French suggestive of hardness (8)9 Point of direct impact pulverised to nothing (6,4)10 Exercise out of the question as Gary Cooper declined (4)11 Football is taken home to old stone-thrower (8)12 Talking success in familiar sports car (6)13 Sticks around being complacent (4)15 Embracing 1960s teen style, Times moves forward (8)18/19 Smashing word – the latest, as it happens (8,4)21 He thought of being Commissar Trechnikov's middleman (6)23 In California, park Bentley finally and ring Middle Easterner (8)25 Here, listen to this – exercise without directions (4)26 Alien, Martian, ET accepting time is the reverse of the usual worldly stuff (10)27 Practice of making china appointments (8)28 Very 'Skoda', floppy shorts (6)Down2 Jacket potato topping's on vessel, note (5) 6 Entrance-blocker comes up against this predicament 17 The well-read, turned-on age –3 Columbine takes stage during repeated Iolanthe in the raising of offspring (4,4) flipping Information Technology! (8)opening, in blue-green (9) 7 Clair West to continue with present policy? (5) 20 So MI5s ruthlessly on the heels of a4 Here's one – those people commonly flourish (2,4) 8 Getting by with saying “It'll cut out tight bends” (6,3) writer (6)5 Windows possibly used by the methodical knife- 14 Duck out of mergers arranged to cramp one (9) 22 'Colossus' artist loses interest (5)wielder? (9,6) 16 Agitated Tiny pointlessly damned and blasted (9) 24 Article thanks character (5)66 seasons

Code WordsCode Word 01 Each number in the grid represents a letter of the alphabet. The letters P, Q and Y have been given to you. Use these clues to help you decipher the code. ABCDEFGHIJKLMN OPQRSTUVWXYZ Code Word 02 Each number in the grid represents a letter of the alphabet. The letters B, L and O have been given to you. Use these clues to help you decipher the code.ABCDEFGHIJKLMN OPQRSTUVWXYZ seasons 67

Word Change Word Change 02 Word Change 03Morph the top word into the bottom word role capeby only changing one letter at a time. more Word Change 01 Hub Word 02 castfame moodHub WordHow many words can you make from the letters in the wheel?Each word must contain the hub letter 'I'. Can you find a9-letter word and at least 20 other words of five letters or moreavoiding proper nouns? Hub Word 01 Answers68 seasons

Giant Number Fit3 Digits 588 2375 7075 39863 656061 616 3152 7151 43341 948615078 629 3432 7169 49404105 643 3435 7346 52765 7 Digits133 656 3568 7561 54323158 784 4617 7690 57345 2327354178 4876 8297 57929 3733182186 4 Digits 5089 8383 59055 6754147299 5195 9294 67456367 0231 6134 10 Digits370 0254 6351 5 Digits 6 Digits377 1258 6562 1688094379446 1346 6592 05652 155581 4388156554516 1440 6655 07314 518390 4445868653544 1532 6762 15616 556896 5053197245558 2163 6925 34206 557675 6037221282 6762508981Find the answers to all puzzles in the February issue of Seasons magazine seasons 69

Word Fit 3 letter words 7 letter words IMP NIECE AWKWARD IRE SATIN CALORIE SHAPE DETAILS 5 letter words TIARA EXTINCT TULIP HAMMOCK AROMA ZEBRA IGNORED DAZED LIBERAL DIRGE 6 letter words MACHINE EAGLE OCTAGON LIMIT COILED RIDDLES LLAMA DEPEND MUSIC ECHOED NEEDS RAPIDSAnswers to the November puzzles:Mastermind Quickie Crossword1. H G Wells Giant Crossword Giant Sudoku2. Fish3. Mustard4. One5. 1978 Cryptic Crossword Word Change Syllable Crossword Word Fit tree cork belt I E IGNORE free core best G I GEMINI flee care bust N S NEMESIS fled mare must O B ORB R L RECITAL A I ALIBI N S NEBULOUS C S COMPASS IGNORANCE IS BLISS Hub Word Code Word 9 - letter word: EDUCATION Other words of five letters or more containing the hub letter I: actin, adieu, antic, audio, audit, canid, cited, coati, cutie, dicot, dicta, edict, indue, nicad, tenia, tonic, tunic, unite, untie, action, atonic, auntie, coined, detain, induce, induct, notice, united, untied, aconite, auction, caution, conduit, noctuid, noticedPh: 07 846 1561 Where we celebrate life24 hours, 7 dayswww.seddonpark.co.nzThis month’s puzzle pages are proudly brought to you by Seddon Park Funeral Home

MerryChristmas and a happy and safe 2017 from all the team at Seddon Park Funeral HomeWhere we celebrate life Incorporating SADLIERS FUNERAL SERVICESP: 07 846 1561 | F: 07 846 1586 | [email protected] | www.seddonpark.co.nz 49 Seddon Road, Hamilton | PO Box 5523, Frankton 3242

Proudly supporting the community 7 Galileo Street, Ngaruawahia Phone: (07) 824 8275 Open Hours: Mon - Sun 7.00am - 9.00pmBe in to win a fantastic Christmas hamper See in store for details