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The figures also show that of the five babies a day born to women of 45 or over, only three will be born within a marriage or civil partnership.For 100 of the total there was no record of their father on the birth certificate.‘Another reason is that women are having a second or third relationship in their 40s and want to have a child with their new man; or for whatever reason, they haven’t found the right person earlier in life.’‘It is true that health risks rise with age – but there is much less of a risk now than there was ten or 20 years ago.Among the major ethnic groups are Chewa, Nyanja, Tumbuko, Yao, Lomwe, Sena, Tonga, Ngoni, Ngonde, Asians, and Europeans. The most widely spoken language (60 percent of the population) is Chewa, which originated among the Bantu tribes of South Africa.Five percent of the people speak Yao, and 30 percent speak Arabic.And let us not forget that older mothers tend to be in a much better place emotionally and financially.’Ros Altmann, of over-50s group Saga, said: ‘This is tremendous news.Women are increasingly proving that chronological age is not a barrier to many things, and what greater proof can there be than the rising numbers of over-50s having children?Take care not to expose your PIN when using ATMs, and monitor your transaction statements.

Australian dollars can be exchanged at local banks.

Malawi is a landlocked country that lies east of Zambia, north and west of Mozambique, and south of Tanzania.

Its area is 45,747 square miles (118,500 square kilometers).

Carry copies of a recent passport photo with you in case you need a replacement passport while overseas. ANZ and Bank South Pacific are represented in Tonga.

There have been a number of violent assaults and robberies, including sexual assaults against foreigners. ATMs will accept a variety of Australian cards, but you should ask your bank whether your ATM card will work overseas before travelling.

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