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To move or not to move: is it cheaper to find a new place or stay when your rent increases by 10%?

<a href="https://theconversation.com/profiles/park-thaichon-175182">Park Thaichon</a>, <a href="https://theconversation.com/institutions/university-of-southern-queensland-1069">University of Southern Queensland</a> and <a href="https://theconversation.com/profiles/sara-quach-175976">Sara Quach</a>, <a href="https://theconversation.com/institutions/griffith-university-828">Griffith University</a> Your landlord has just raised your rent by 10% and your mind starts running the numbers – should you cop it sweet or look to move? It’s a familiar scenario in today’s unpredictable housing market. Understanding the real costs of staying versus moving is essential for making informed choices: renters must consider hidden expenses such as moving costs, deposits and changing rental rates, giving them tools to handle rising rent pressures more effectively. <h2>A grim time for many renters</h2> National median market rents have hit record highs, reaching $627 per week, with an average annual growth rate of 9.1% during the past three years, according to real estate giant <a href="https://www.aph.gov.au/About_Parliament/Parliamentary_departments/Parliamentary_Library/Budget/reviews/2024-25/Housing#:%7E:text=Based%20on%20April%202024%20CoreLogic,the%20past%203%20calendar%20years">CoreLogic</a>. <a href="https://www.corelogic.com.au/news-research/news/2024/rent-growth-picked-up-in-the-start-of-2024,-taking-rents-to-new-record-highs">CoreLogic</a> also reported annual rental changes (houses and units) in regional Australia are not far off from the big cities: annual rent changes were 9.4% for combined capital cities, 6.4% for combined regional areas, and 8.5% nationally. So, is it better to stay or move if your rent is raised by 10%? Let’s examine the costs and benefits of each option. <h2>A breakdown of typical moving costs</h2> We’ll start with the most obvious expense: moving costs. Professional moving services aren’t cheap. For example, moving a three-bedroom house in the Gold Coast costs <a href="https://www.muval.com.au/removalists/gold-coast">$1,095.25 on average</a>, with an hourly rate of $158.26. In a bigger city like Melbourne, the cost is slightly higher at <a href="https://www.muval.com.au/removalists/melbourne">about $1,118.46</a>. The moving costs between states or cities will be more expensive if you move further away. You could choose to handle packing yourself and hire some help with a truck – a common option with businesses such as “<a href="https://www.gumtree.com.au/s-removals-storage/gold-coast/2+men+and+a+truck/k0c18643l3006035">Two Men and a Truck</a>”, which typically costs around $100 per hour. Be aware, though, that the hourly rate often starts from the moment the truck leaves the company’s warehouse until it returns. Alternatively, you can rent a van for a lower price, such as $87 for a 24-hour <a href="https://www.bunnings.com.au/for-hire-handivan-24hr-first-100kms-inc-_p5470402">Handivan rental at Bunnings</a>. Don’t forget the cost of moving boxes, too: Bunnings’ 52 litre <a href="https://www.bunnings.com.au/bunnings-52l-light-duty-moving-carton_p0517130?srsltid=AfmBOoqCYAWT0P5apPiJpoOLRAIpUCHNi63ztvIZrG5CxCoNOv45G0TV">moving cartons</a> cost $2.66 each. End-of-lease or <a href="https://firstcallhomeservices.com.au/service-menu/bond-exit-end-lease-cleaning/">bond cleaning</a> is another common expense. For a typical three-bedroom property, internal cleaning can range from $365 to $500. If you have pets, or kids who love drawing on the walls, your cleaning costs might be a bit higher. Now, let’s look at utility connection expenses that can catch people by surprise. Cancelling your internet service can be costly if you don’t meet the exit or cancellation policies. With <a href="https://www.telstra.com.au/internet/5g-home-internet">Telstra Home Internet</a>, for example, if you cancel within the first 24 months, you must return your modem within 21 days to avoid a $400 non-return fee. Most providers charge a cancellation fee or require final device repayments, typically ranging from $100 to $500, depending on the remaining contract period. As a renter, it might be wise to choose a no-lock-in contract plan to avoid these fees if you need flexibility. Electricity and gas connection and disconnection fees are usually minor but can add up, often costing about $40 to $60 for <a href="https://www.energyon.com.au/fees-and-charges/">connection and disconnection fees</a> for electricity alone. If your house uses gas for hot water or cooking, you may have to pay additional fees for setting up service. However, there are also non-financial costs, like the time spent searching for a new home, attending inspections, and putting in applications. Moving takes effort and energy for packing, transporting and unpacking. Some people feel emotionally attached to their current home, which can make leaving harder. Older renters <a href="https://www.sciencedirect.com/science/article/abs/pii/S1353829218311304">seem to draw strength</a> from their familiarity with, attachment to, and enjoyment of their place and community. This is something to be considered. Plus, moving can take <a href="https://www.nature.com/articles/s41537-023-00349-w">an emotional toll</a>. <h2>The benefits of not moving</h2> The clear benefit of staying is avoiding the hassle of relocating. Staying means saving on moving expenses and avoiding the time spent searching for a new place, packing and unpacking. This may also save some people from needing to take time off work. Changing and updating an address is also another tedious task that can be avoided by staying. Moving can hit the hip pocket with “after moving costs” that people may not initially consider. For instance, a new location might mean a longer commute. If each trip adds just 15 extra minutes, that could amount to an additional 11 hours per month over 22 workdays. For drivers, increased fuel and parking expenses might also come into play. Is the current or new location closer to a supermarket, hospital, and school? This proximity could be beneficial or detrimental, depending on the surrounding environment and available services. <h2>To move or not to move?</h2> One point to note is that overall, moving costs are likely to be similar between big cities and regional areas if you get moving supplies or rent a van from a large company such as Bunnings. In the end, moving costs will be around $2,000 based on the figures above, and it can be around $800 to $1,000 cheaper if you opt to rent a van instead of using a full-service moving company. Therefore, if the current rent is $600 per week and is about to increase by 10% to $660, the additional cost would be $3,120 per year. So is it cheaper to move or stay when your rent increases by 10%? The answer is moving may save about $1,000 to $2,000, but comes with the hassle and emotional toll of relocation. Staying will be more expensive, but with less hassle and emotional strain. The right choice depends on your situation.<img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/243155/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/park-thaichon-175182">Park Thaichon</a>, Associate Professor of Marketing, <a href="https://theconversation.com/institutions/university-of-southern-queensland-1069">University of Southern Queensland</a> and <a href="https://theconversation.com/profiles/sara-quach-175976">Sara Quach</a>, Senior Lecturer in Marketing, <a href="https://theconversation.com/institutions/griffith-university-828">Griffith University</a> Image credits: Shutterstock This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/to-move-or-not-to-move-is-it-cheaper-to-find-a-new-place-or-stay-when-your-rent-increases-by-10-243155">original article</a>.

Money & Banking

Having the ‘right’ friends may hold the secret to building wealth, according to new study on socioeconomic ties

<a href="https://theconversation.com/profiles/brad-cannon-2216202">Brad Cannon</a>, <a href="https://theconversation.com/institutions/binghamton-university-state-university-of-new-york-2252">Binghamton University, State University of New York</a> Having wealthy people in your social network significantly boosts the likelihood that you’ll participate in stock markets and savings plans, according to a new working paper I co-authored. My colleagues and I <a href="https://www.nber.org/system/files/working_papers/w32186/w32186.pdf">recently conducted research</a> on social finance to understand the ways in which social networks affect stock market participation and savings behavior. This is important because a substantial fraction of households in the U.S., particularly <a href="https://www.axios.com/2023/10/18/percentage-americans-own-stock-market-investing">lower-income families, do not own stocks</a>. Given that the total return to the U.S. stock market from 1980 through September 2024 has been over 12,000% – for example, US$1,000 <a href="https://ofdollarsanddata.com/sp500-calculator/">invested in the S&P 500</a> in 1980 would be worth $121,350 today – this creates a disparity in wealth for those who participate relative to those who do not. Understanding why some people invest and others don’t is important for addressing social concerns such as rising inequality. In our study, we looked at <a href="https://academic.oup.com/ej/advance-article/doi/10.1093/ej/ueae074/7720537">social capital</a>, which is a measure of the value that comes from being in a group or having dense social networks. Researchers have found that social capital can have positive impacts on individuals and communities, spurring innovation, <a href="https://www.nature.com/articles/s41586-022-04996-4">economic prosperity</a> and better health outcomes. We used friendship data from Facebook to measure different aspects of social networks by county in the U.S. We combined this data with tax information from the Internal Revenue Service about investments and savings. We found that in counties where friendships with prosperous individuals are more common, investment and savings tend to be higher. Moreover, we found that having these friendships with wealthy individuals plays a more important role in shaping financial behaviors than two other aspects of social capital we looked at in our study: having a tight group of friends and living in a community with strong civic engagement. Of course, making wealthy friends alone does not guarantee you’ll invest or save more. But perhaps knowing people who invest makes it less daunting and fraught, particularly if those friends can serve as a resource and sounding board. “Friends with Benefits: Social Capital and Household Financial Behavior” was co-authored by <a href="https://www.marshall.usc.edu/personnel/david-hirshleifer">David Hirshleifer</a> and <a href="https://hankamer.baylor.edu/person/joshua-thornton">Joshua Thornton</a>.<img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/239370/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/brad-cannon-2216202">Brad Cannon</a>, Assistant Professor of Finance, <a href="https://theconversation.com/institutions/binghamton-university-state-university-of-new-york-2252">Binghamton University, State University of New York</a> Image credits: Shutterstock This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/having-the-right-friends-may-hold-the-secret-to-building-wealth-according-to-new-study-on-socioeconomic-ties-239370">original article</a>.

Money & Banking

105-year-old shares the secret to longevity

A 105-year-old woman has celebrated her birthday by sharing her two secrets for a long, prosperous and stress-free life. Kathleen Hennings, who lives in a care home in Cheltenham, England, celebrated her 105th birthday with her family, friends and other residents, as she shared some valuable life advice. Kathleen was born in 1919 and had a successful career as an accountant, spending her free time watching operas and ballets at London’s Royal Opera House. Reflecting on her many happy years, Kathleen revealed the secret to living a long life as, “Drink Guinness and don’t marry!” The centenarian was first introduced to Guinness by her parents and her brother, and quickly fell in love with the dark Irish stout, drinking it religiously throughout her life. This is not the first time Kathleen has offered up this advice, and as a result, was treated to some gifts from Guinness as a birthday present. Kathleen was given a hamper by Guinness with pint glasses, a kitchen apron, slippers, chocolates, and, of course, plenty of the famous Irish drink. Commenting on her special birthday, Kathleen said: “It was so nice to see my lovely friends and neighbours. I’ve been spoiled. Thank you so much.” Image credits: Facebook

Retirement Life

Don’t like drinking plain water? 10 healthy ideas for staying hydrated this summer

<a href="https://theconversation.com/profiles/lauren-ball-14718">Lauren Ball</a>, <a href="https://theconversation.com/institutions/the-university-of-queensland-805">The University of Queensland</a> and <a href="https://theconversation.com/profiles/emily-burch-438717">Emily Burch</a>, <a href="https://theconversation.com/institutions/the-university-of-queensland-805">The University of Queensland</a> Have you heard the saying “water is life?” Well, it’s true. Water is an <a href="https://www.hsph.harvard.edu/nutritionsource/water/">essential nutrient</a>. Our body cannot produce sufficient water to live, so we need to consume water through food and fluids to survive. Maintaining hydration is one of the most fundamental components of good health. But lots of people don’t like drinking plain water much. The good news is there are many other healthy ways to help you stay hydrated. <h2>Why hydration is important</h2> Water is vital for many aspects of body functioning. About half our blood is “blood plasma”, which is over 90% water. Blood plasma is essential for carrying energy, nutrients and oxygen to the cells in the body that need it most. Water helps to remove waste products via the kidneys. It also helps keep joints lubricated, the digestive system functioning, the body’s temperature controlled and skin plump and strong. If you don’t consume enough water, you may experience symptoms of dehydration such as headaches, dizziness, tiredness, low concentration, constipation and a dry mouth. Being severely dehydrated increases the risk of <a href="https://www.kidney.org/atoz/content/kidneystones">kidney stones</a> and <a href="https://www.healthdirect.gov.au/urinary-tract-infection-uti">urinary tract infections</a>. If you feel thirsty, it means your body is already <a href="https://my.clevelandclinic.org/health/treatments/9013-dehydration#:%7E:text=If%20you're%20thirsty%2C%20you,life%2Dthreatening%20illnesses%20like%20heatstroke.">mildly dehydrated</a>, so make sure you pay attention to what your body is telling you. <h2>How much fluid do you need?</h2> The amount of fluid we need changes as we age. Relative to our body weight, our needs decrease. So, a newborn baby has higher fluid needs (per kilogram body weight) than their parent, and older adults have lower fluid needs than younger adults. Fluid requirements are related to metabolic needs and vary from person-to-person. The normal turnover of water in adults is approximately 4% of total body weight per day. So, for example, if you weigh 70 kilograms, you’ll lose about 2.5 to 3 litres of water a day (not including sweating). This means you will need to consume that amount of water from food and drinks to maintain your hydration. Eight cups (or two litres) a day is often <a href="https://www.npr.org/2022/09/21/1124371309/busting-common-hydration-water-myths?utm_source=npr_newsletter&utm_medium=email&utm_content=20221016&utm_term=7386723&utm_campaign=health&utm_id=31926817&orgid=&utm_att1=">mentioned</a> as the amount of water we should aim for and a nice way to track your intake. But it doesn’t account for individual variation based on age, gender, body size and activity levels. Alcohol is a diuretic, which means it dehydrates the body by promoting water loss through urine. This fluid loss is a key factor that contributes to the severity of a hangover. Always have a glass of water in between alcoholic drinks to help stay hydrated. Caffeinated drinks (like tea and coffee) only have a mild diuretic effect. For most healthy adults, it’s okay to consume up to 400 mg of caffeine a day – that’s about four cups of coffee or eight cups of tea. If you drink more than this, it may impact your hydration levels. To check your specific requirements, check out the Australian <a href="https://www.nrv.gov.au/nutrients/water">guidelines</a> for fluid intake. <h2>People who should take extra care</h2> Some people are at greater risk of the harmful health effects from dehydration and need to pay special attention to their fluid intake. The highest priority groups are babies, young kids, pregnant women, and older adults. These groups are at greater risk for many reasons, including relatively higher water needs per kilo of body weight, reduced ability to detect and respond to symptoms of dehydration, and barriers to consuming fluids regularly. Family and friends can play an important role in <a href="https://www.agedcareguide.com.au/information/hydration-for-elderly-people-and-the-dangers-of-dehydration">supporting loved ones</a> to maintain hydration, especially during warm weather. <h2>Ten ideas for keeping fluids up this summer</h2> <ol> <li> Download a water reminder app on your phone This will help keep you on track during the day and give you digital “high fives” when you hit your water goals. </li> <li> Add sugar-free flavouring Try a sugar-free fruit infusion in your water to make it more appealing. Prepare a jug in the refrigerator and infuse it overnight so it’s chilled for you the next day. Fill it up and take it everywhere with you! </li> <li> Add some fresh fruit Add some slices of lime, lemon, berries, pineapple or orange to your water bottle for some natural flavouring. If the bottle is kept in a fridge, the fruit will stay fresh for about three days. </li> <li> Make a jug of iced tea (not the bottled stuff) There are many great sugar-free recipes online. Tea contributes to fluid intake too. For green and black teas, brew in boiling water then cool overnight on the bench before refrigerating. Fruit teas can be made using cold water immediately. </li> <li> Add a dash of cordial to your water A small amount of cordial in your water is a healthier alternative to drinking a sugar-sweetened soft drink or fruit juice. Diet cordials have less added sugar again. </li> <li> Make a fruit ‘slushie’ Combine fresh fruit, ice and water at home in the morning and sip to increase your fluid intake for the day. </li> <li> Buy a soda maker for your home Some people find plain water tastes better with bubbles. Sparkling mineral water is great too, as long as there is no added sugar or sweeteners. </li> <li> Before you eat anything, have a glass of water Make it a rule with yourself to have a glass of water before every snack or meal. </li> <li> Eat water-rich fruits and vegetables Many fruits and vegetables have a high water content. Some of the best include berries, oranges, grapes, carrots, lettuce, cabbage, spinach and melons. Keep a container full of cut-up fruit to snack on in your fridge. </li> <li> Use a water bottle Take it with you during the day and keep it by your bed overnight. </li> </ol> <h2>A tip on water bottles</h2> Water bottles are everywhere and sometimes seem to offer <a href="https://www.refinery29.com/en-au/emotional-support-water-bottle-girlies-tiktok-trend">emotional support</a> as well as hydration. Having a water bottle you enjoy using can go a long way in helping you keep up your fluids during the day. Pay attention to the material of the water bottle and use one that helps you form good habits. Some people prefer metal water bottles as they can keep water cooler for longer (others feel like they are camping). Some prefer glass bottles because the water isn’t affected by any flavours from the container (others fear breaking the glass). Consider the practical aspects, too: Will it fit in your bag? Will it be light enough to carry with you? Can you “chug” on it when you’re exceptionally thirsty? Does the lid require screwing? How durable is it in preventing leaks? Do some <a href="https://www.marthastewart.com/7842071/best-water-bottles-hydration">homework</a> on your water bottle, an essential accessory! <a href="https://theconversation.com/profiles/lauren-ball-14718">Lauren Ball</a>, Professor of Community Health and Wellbeing, <a href="https://theconversation.com/institutions/the-university-of-queensland-805">The University of Queensland</a> and <a href="https://theconversation.com/profiles/emily-burch-438717">Emily Burch</a>, Dietitian and Researcher, <a href="https://theconversation.com/institutions/the-university-of-queensland-805">The University of Queensland</a> Image credits: Shutterstock This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/dont-like-drinking-plain-water-10-healthy-ideas-for-staying-hydrated-this-summer-191859">original article</a>.

Body

I spoke to 100 Japanese seniors, and learnt the secret to a good retirement is a good working life

<a href="https://theconversation.com/profiles/shiori-shakuto-1537774">Shiori Shakuto</a>, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a> What makes a good retirement? I’ve <a href="https://www.pennpress.org/9781512827088/after-work/">been researching</a> the lives of “silver backpackers”: Japanese seniors who embark on a later-life journey of self-discovery. Many experienced Japan’s high-growth economy, characterised by rigid gender roles. For many men who worked as iconic cultural figures of <a href="https://en.wikipedia.org/wiki/Salaryman">sarariiman</a> (white collar workers), excessive working hours were normalised and expected. Their absence from home was compensated by their female partners, many full-time stay-at-home mothers. Entering their 60s meant either retirement from work, or children leaving home. For men and women, retirement is understood as an opportunity to live a life for themselves, leading to a journey of self-discovery. <h2>Dedicating life to work</h2> I interviewed more than 100 older Japanese women and men and found a significant disparity in the quality of life between them. Japanese retired men who led a work-oriented life struggled to find meaning at the initial stages of retirement. One man I spoke to retired at the age of 60 from a large trading company. He was a successful businessman, having travelled the world and held various managerial positions in the company. His wife looked after the children most of the time. They bought a house with a yard in a suburb so the children could attend a good school. It significantly increased his commute, and further reduced his time with children. He also worked on weekends. He barely had time to develop his hobbies or get to know his neighbours. He idealised his retirement as a time to finally spend with his family and develop his own hobbies. When he retired, however, he realised that he and his family didn’t have any common topics of conversation. Through decades of excessive hours spent at work away from home, the rest of the family established a routine that did not include him. Taking up new hobbies at the age of 60 was not as easy as he thought, nor was making new friends at this age. “I became a nureochiba,” he lamented. Nureochiba refers to the wet fallen leaves that linger and are difficult to get rid of. The term is commonly used to describe retired men with no friends or hobbies who constantly accompany their wives. The retirement for many former sarariiman was characterised by boredom – having nowhere to go to or having nothing to do. The sense of boredom led to a sense of isolation and low confidence in old age. Many older Japanese men I spoke to lament not having built a connection with their children or communities at a younger age. <h2>Dedicating life to family and community</h2> Older Japanese women I spoke with were more well-connected with their children and local communities in later life. Many were in regular contact with their children through visits, phone calls and messages. Some continued to care for them by providing food or by looking after grandchildren. Children very much appreciated them. Many older women who had been full-time stay-at-home mothers had already taken up hobbies or volunteering activities at community organisations, and they could accelerate these involvements in their old age. Even women who worked full-time seemed to maintain better connections with their family members because working excessively away from home was simply not possible for them. Older men relied on these women’s networks and activities conducted at the scales of home and communities – from caring for others to pursuing hobbies – to enact a meaningful retirement. The sense of connection with family and communities, not to mention their husbands’ reliance on them, led to a high confidence and wellbeing among older women. I saw many instances where older women preferred spending time with their female friends than their retired husbands and embarked on adventurous trips alone. One woman went on a three-month cruise alone. Feeling liberated, she sent a fax message to her husband from the ship: “When I get off this ship, I will devote the rest of my life to myself. You will have to take care of your own mother.” Upon disembarking, she moved to Malaysia to start her second life. <h2>The silver backpackers</h2> Malaysia has become a popular destination for silver backpackers looking to embark on a journey of self-discovery. Some travel as couples, while others go alone, regardless of their marital status. For many male silver backpackers I spoke to, moving to Malaysia offers a second chance at life to make new friends, find hobbies and, most importantly, start anew with their partners. For many female silver backpackers, visiting Malaysia means being able to enjoy an independent lifestyle while having the security of friends and family in Malaysia and Japan. The experiences of older Japanese men and women can be translated into the experiences of anyone who spent excessive hours at work and those who spent more time cultivating relationships outside of work. The activities of the latter group are not as valued in a society that narrowly defines productivity. However, my research shows that it is their activities that carry more value in old age. Are you under pressure to work long hours? If you can, turn off your phone and computer. Instead of organising events for work, organise a dinner with your family and friends. Take up a new hobby in your local community centres. You can change how you work and live now for a better old age.<img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/238571/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/shiori-shakuto-1537774">Shiori Shakuto</a>, Lecturer in Anthropology, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a> Image credits: Shutterstock This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/i-spoke-to-100-japanese-seniors-and-learnt-the-secret-to-a-good-retirement-is-a-good-working-life-238571">original article</a>.

Retirement Life

10 signs you’re not on the right financial path

Dreaming of owning a big house, nice car and a boat? Or just having enough cash to be comfortable? Here are 10 signs that you are not (yet) on the path to financial freedom. 1. You don't think about ways to make extra money If you are paid a salary and nothing more, you are limited in the ways you can get ahead. The only way to save is to spend less. But if you switch it up and start to look for ways to earn more, your horizons open up. Most of the world's super wealthy have more than one income stream – some of which are usually passive, requiring no regular input. This could be something such as rental income from an investment property or the sale of a product such as an ebook. Add in some sensible savings habits and you will be on your way. 2. You leave your savings in a savings account If you stick your cash in a savings account, it is basically doing nothing. You are better to look at ways to put that money to work. You could put it in a managed fund, buy shares or even lend it out via a peer-to-peer platform, to get a better return. Make sure you get good advice to understand what you are doing. 3. You borrow to buy Borrowing to buy a house is fine. Borrowing to buy a car is (generally) not. If you are putting all your purchases on finance or credit card and paying them off with high rates of interest, you are pouring money down the drain. Live within your means if you want to get rich. 4. You don't know where your money goes The first step to getting on the right track is to have a clear idea of what you're spending money on. If you don't know, chances are you're wasting it. Have a look through your recent bank statements, draw up a budget. Stamp out some discretionary spending and you'll have more of that money to put to work that we mentioned earlier. 5. You're putting off planning for your retirement If you think you are too young to have to worry about the future, you are doing yourself a huge disservice. When you are working towards a long-term financial goal, such as retirement, time is a huge asset to have on your side. The power of compounding means that any returns you make in a vehicle such as your KiwiSaver account then attract their own returns, over and over each year until you withdraw the money. The later you start saving, the more of that compounding power you miss. 6. You hate risk It is great to be careful with your money but if you never take a risk, you miss out on returns. Over the long term, the biggest gains are usually from riskier investments, such as equities. You may also find ways to wealth by getting out of your comfort zone. Quitting your job and starting a new business is risky and scary, but could pay off if you have planned it well and know your stuff. 7. You don't have a plan If you don't know how you're going to get rich, it probably isn't going to happen. Write down your goals. What do you want to achieve this week, month and year? What about in 10 years? If you can, identify someone who is in a position you'd like to get to and find out what they did to get there. Work out what you need to do to follow suit and break it down into small, achievable steps. 8. You don't pay yourself first If you have decided to save money and think you'll just put aside everything that is left in your account at the end of the month, you will be horribly disappointed. This method almost always fails because there is invariably nothing left. Pay yourself first. Using your budget and plan, put aside the amount that you have worked out you can afford to save as soon as you get paid, and then live off the rest. 9. You think you're bad with money It's a self-fulfilling prophecy. If you think you are bad with money, you won't pay any attention to your finances and they will get out of control. Stop thinking money is some sort of secret club that you could not possibly understand. Everyone can get a handle on it. 10. You don't know the basics But having said that, it's important to get a good knowledge of the basic stuff. If you are not clear how your credit card works, or how your mortgage interest is calculated, get someone to help you break it down and bust the jargon. Websites such as Sorted have good tools or you can seek financial advice from your bank or an adviser. Image credits: Shutterstock Written by Susan Edmonds. First appeared on <a href="http://www.stuff.co.nz/" target="_blank" rel="noopener">Stuff.co.nz</a>.

Money & Banking

10 things you should never do on a cruise balcony

While many cruise ship passengers may think they can abide by their own rules in the comfort of their cabins, there are still many cruise ship etiquette rules to follow. Even though some passengers may have private balconies in their rooms, that doesn't mean you can act as if no one is watching. It's important to follow these rules while in your rooms and on your balcony to ensure you'll never be forced to cop the consequences of bad behaviour. 1. Smoke Smoking on cruise balconies is a real no-no. Not only is the wafting smoke an unpleasant smell, but a half-burning cigarette blown back aboard can potentially be a fire hazard. 2. Make too much noise One think that’s often forgotten is the fact that when we’re standing on our cruise ship balconies we’re well within earshot of our neighbours, so keep the volume down. 3. Go nude The thing people sun bathing in one their cruise ship balcony in their birthday suit don’t realise is many balconies are tiered, so you may actually be in view of others. 4. Stand or climb on railings Now this should be obvious, but you should never stand on the railings or the verandah furniture can significantly increase your risk of being thrown overboard. 5. Throw items overboard It might be tempting to toss a message in a beer bottle overseas, but there are strict regulations. Not only is this dangerous, it’s also not environmentally friendly. 6. Dry clothes It can be quite difficult to dry your swimmers when you’re off a cruise, but one strong gust of wind could mean you could go the rest of your cruise without bathers. 7. Leave the balcony door open On a hot and humid day, leaving the balcony door ajar might seem like a good idea, but the gusty sea breeze can wreak havoc with any loose items in your cabin. 8. Light a candle It might seem like it’s a good way to enhance the mood, but any open flame on a cruise ship is a fire hazard, and lighting a candle is almost always against regulations. 9. Leave the balcony light on If your cruise balcony has outdoor lighting, make sure you turn if off when you’re not actually using it, to save electricity and not disturb your neighbours. 10. Amorous behaviour Cruises are inherently romantic holidays, but you might need to avoid overt displays of affection. As mentioned above, balconies are not be as private as you think. Image credits: Shutterstock

Cruising

10 rules every good house guest follows

You've been invited to stay in somebody else's house. You're instantly told "make yourself at home!" But you can't really, can you? Here's the unsaid rules of being a houseguest you just can't break. 1. Not arriving on time Always provide your itinerary to your host before you arrive. If your flight or train is delayed, give them real-time updates. Google Map your journey in advance so you know exactly how to get to their house. It's awfully inconvenient as a host to be waiting to give a guest keys, but have them arrive two hours late because of an excuse like "I got lost". 2. Turning up empty handed You don't need to bring much, but when staying at someone's house you need to arrive with a token of appreciation. A bottle of wine, some chocolates, or a kitsch little jar of jam you made. Turning up empty handed is expected by the host, but all good houseguests know a small gift is the right way to kick things off. 3. Keeping your shoes on Perhaps you live in a shoes-on house when you're at home, but unless told so, you should never keep them on when staying at another's. Especially if you only see your host walking around bare foot, or in socks/slippers. Houseguests bring in extra dirt, fluff, and marks – the most conscious you can be of that, the better. 4. Turning down food When you're staying in somebody else's home, you must eat what you are served. Hosts go to a lot of effort to make you feel welcome and cooking for you is a big part of that. If you have any dietary requirements, say so before you arrive and offer to bring a bag of shopping. Your host will probably refuse, but you've laid the groundwork for happy mealtimes for the duration of your stay. 5. Not cleaning up Picture this: you're staying with a friend, and they're at work all day while you mooch around their house. The dishwasher is full but you don't know where anything goes in the cupboards. You pile your dirties in the sink, and your friend comes home to find them. Cue instant aggression that will forever remain unspoken. Avoid being a bad guest by cleaning up when you're a houseguest – even if you put things back in the wrong place. 6. Not asking to use laundry facilities One of the most difficult things about travelling is getting your laundry done. When a washing machine and dryer become available, it's natural to want to jump on them. But you must ask your host first. They will always say yes – everybody understands what it's like to have to wear inside-out underwear when you've had no laundry facilities for a week – but it's just polite to ask. 7. Asking your host to quiet down When staying in somebody else's house, there's a high chance of noises you're not used to. That could mean your host watching TV at midnight when you've got to be up early, or them talking loudly on the phone at 6AM while you're asleep. But you can't say anything about it. If you are noise-sensitive, always bring quality earplugs. 8. Bringing lovers home We get it, maybe you're in an exciting new city and the options for a little sexy time are pinging at your phone every few minutes. But you cannot, under any circumstances, invite a new lover over to somebody's house when you're staying there. Even if you have their house to yourself, it's just a breach of respect. If you want to hook up, go to their place. 9. Leaving the bed unmade Hosts generally accept there'll be some clean-up after you're gone. But don't leave the guest bed unmade, or your dirty sheets on it. Strip them off on your final morning, and either fold them nicely, or put them in the washing machine (this is one situation where you don't need their permission to use their laundry). Remake the bed with or without clean sheets if possible. 10. Not saying thank you It doesn't have to be a formal written letter (though that would be nice, wouldn't it). But you must thank your hosts after you leave with a note, an e-mail, or even a text. It's something so easy to forget to do once you're gone, but ensures the host feels their hospitality has been appreciated. And if you've not broken any of the other rules, you'll definitely get invited back. Image credits: Shutterstock Written by Lee Suckling. First appeared on <a href="http://www.stuff.co.nz/" target="_blank" rel="noopener">Stuff.co.nz</a>.

Home & Garden

Elle Macpherson reveals secret battle with cancer

Elle Macpherson has revealed how she shunned the advice of dozens of doctors after being diagnosed with breast cancer seven years ago. The Aussie supermodel has revealed her health journey for the first time in her new memoir Elle: Life, Lessons, and Learning to Trust Yourself, sharing how she decided to forge her own path of wellness to tackle the disease. Speaking candidly about her health to Australian Women's Weekly, the 60-year-old said deciding to take a holistic approach to fighting cancer was “the hardest thing I have ever done”. After being diagnosed with breast cancer at the age of 53 after a lumpectomy, Macpherson's doctors recommended a mastectomy with radiation, chemotherapy, hormone therapy, plus reconstruction of her breast to fight the illness. “It was a shock, it was unexpected, it was confusing, it was daunting in so many ways,” she told the magazine. “It really gave me an opportunity to dig deep in my inner sense to find a solution that worked for me." “It was a wonderful exercise in being true to myself, trusting myself and trusting the nature of my body and the course of action that I had chosen.” The model instead opted for “an intuitive, heart-led, holistic approach” to treating her cancer that used a “combination of therapies and lifestyle changes to treat and heal the whole person”. “Saying no to standard medical solutions was the hardest thing I’ve ever done in my life,” she said. “But saying no to my own inner sense would have been even harder.” Elle said that she recognised that her approach to cancer isn't for everyone, but she felt the holistic approach was best for her overall health. “I came to the understanding that there was no sure thing and absolutely no guarantees. There was no ‘right’ way, just the right way for me”, she writes, according to Women’s Weekly. “Sometimes an authentic choice from the heart makes no sense to others … but it doesn’t have to. People thought I was crazy but I knew I had to make a choice that truly resonated with me. “To me, that meant addressing emotional as well as physical factors associated with breast cancer. It was time for deep, inner reflection. And that took courage.” Macpherson, who shares two sons, Flynn, 26, and Cy, 21, with former partner, Arpad Busson, said her medical decisions caused some tension in the family, admitting that her sons were skeptical of her choices. “Cy simply thought that chemo kills you. And so he never wanted me to do it because he thought that was a kiss of death,” she said. “Flynn, being more conventional, wasn’t comfortable with my choice at all. He is my son, though, and would support me through anything and love me through my choices, even if he didn’t agree with them.” Reflecting on her current health, Macpherson said, “In traditional terms, they’d say I’m in clinical remission, but I would say I’m in utter wellness. And I am." “Truly, from every perspective, every blood test, every scan, every imaging test … but also emotionally, spiritually and mentally — not only physically." Image credits: Instagram

Caring

Can a 10-year-old be responsible for a crime? Here’s what brain science tells us

<a href="https://theconversation.com/profiles/susan-m-sawyer-109573">Susan M. Sawyer</a>, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</a> and <a href="https://theconversation.com/profiles/nandi-vijayakumar-1644262">Nandi Vijayakumar</a>, <a href="https://theconversation.com/institutions/deakin-university-757">Deakin University</a> The age a child can be arrested, charged and jailed in Australia is back in the spotlight. Last year, the Northern Territory became the first jurisdiction to raise the age of criminal responsibility from ten to 12. Now its new, tough-on-crime government has pledged to <a href="https://www.sbs.com.au/nitv/article/incoming-chief-minister-says-age-of-criminal-responsibility-to-be-lowered-to-10-years-old/a1xm9jy9c">return it to ten</a>. It comes after Victoria <a href="https://www.abc.net.au/news/2024-08-13/victoria-youth-justice-reform-criminal-age/104217160">walked back</a> its earlier commitment to raise the age to 14, settling instead on 12. But the United Nations Committee on the Rights of the Child says 14 should be the absolute <a href="https://www.ohchr.org/en/documents/general-comments-and-recommendations/general-comment-no-24-2019-childrens-rights-child">minimum</a>. It raised this age from its earlier recommendation (in 2007) of 12, citing a decade of new research into child and adolescent development. So what does the science say? What happens to the brain between ten and 14? And how much can those under 14 understand the consequences of their actions? <h2>Who is an adolescent?</h2> Our research shows adolescence is a <a href="https://pubmed.ncbi.nlm.nih.gov/30169257/">critical period</a> for development. It’s the time children’s experiences and explorations shape how they develop cognitive skills (including critical thinking and decision making), as well as social and emotional skills (including moral reasoning). Adolescence also lasts longer than we tend to think. Important brain development begins during late childhood, around eight to nine years. Intense changes then follow during early adolescence (ages ten to 14). But these changes continue well into the twenties, and full cognitive and emotional maturity is not usually reached until around age 24. However, everyone’s brain matures at a different rate. That means there is no definitive age we can say humans reach “adult” levels of cognitive maturity. What we do know is the period of early adolescence is critical. <h2>What does puberty do to the brain?</h2> Puberty is a defining feature of early adolescence. Most of us are familiar with the changes that occur to the body and reproductive systems. But the increase in puberty hormones, such as testosterone and oestrogen, also trigger changes to the brain. These hormones <a href="https://www.sciencedirect.com/science/article/abs/pii/S0306453017313252?via%3Dihub">increase most sharply</a> between ten and 15 years of age, although gradual changes continue into the early twenties. Puberty hormones change the structures in the brain which process emotions, including the amygdala (which encodes fear and stress) and ventral striatum (involved in reward and motivation). This makes adolescents particularly reactive to emotional rewards and threats. <a href="https://doi.org/10.1016/j.cortex.2019.04.024">Our research</a> has shown the brain’s sensitivity to emotions increases throughout early adolescence until around 14 or 15 years old. At the same time, changes in puberty have <a href="http://dx.doi.org/10.1037/pspp0000172">been linked</a> to increased sensation seeking and impulsive behaviours during early adolescence. This context is crucial when we discuss the behaviour of children in the ten to 14 age range. The way their brains change during this period makes them more sensitive and responsive to emotions, and more likely to be seeking experiences that are new and intense. <h2>How do adolescents make decisions?</h2> The emotional context of puberty influences how younger adolescents make decisions and understand their consequences. Decision making relies on several basic cognitive functions, including the brain’s flexibility, memory and ability to control impulses. These cognitive abilities – which together help us consider the consequences of our actions – undergo some of the <a href="https://doi.org/10.1523/JNEUROSCI.1741-13.2013">steepest development</a> between ages ten and 14. By age 15, the ability to make complex decisions has usually <a href="https://doi.org/10.1037/lhb0000315">reached adult maturity</a>. But adolescents at this age remain highly susceptible to emotions. So while their brain may be equipped to make a complex decision, their ability to think through the consequences, weighing up costs and benefits, can be clouded by emotional situations. For example, <a href="https://doi.org/10.1111/cdev.12085">research has shown</a> 13-14 year-olds were more distracted from completing a task and less able to control their behaviour when they viewed images that made them feel negative emotions. The social world of teenagers also has a significant impact on how they make decisions – especially in early adolescence. One study found that while older adolescents (aged 15-18) are more influenced by what adults think when weighing up risk, adolescents aged 12-14 <a href="https://journals.sagepub.com/doi/full/10.1177/0956797615569578">look to other teenagers</a>. Experiments <a href="https://doi.org/10.1177/0272431616648453">have also shown</a> adolescents aged 12-15 make riskier decisions when they are with peers than by themselves. Their brain responses also suggest they experience a greater sense of reward in taking those risks <a href="https://doi.org/10.1093/scan/nsy071">with peers</a>. <h2>How do teens understand the consequences of their actions?</h2> The concept of <a href="https://www.aph.gov.au/About_Parliament/Parliamentary_Departments/Parliamentary_Library/pubs/rp/rp2122/Quick_Guides/MinimumAgeCriminalResponsibility">criminal responsibility</a> is based on whether a person is able to understand their action and know whether it is wrong. Moral reasoning – how people think about right and wrong – depends on the ability to understand another person’s mental state and adopt their perspective. These skills are in development <a href="https://doi.org/10.1016/j.biopsych.2020.09.012">across adolescence</a>. Research suggests it may take more effort for adolescent brains to process <a href="https://doi.org/10.1162/jocn.2009.21121">“social” emotions</a> such as guilt and embarrassment, compared to adults. This is similar when they make <a href="https://doi.org/10.1080/17470919.2014.933714">moral judgements</a>. This evidence suggests teenage brains may have to work harder when considering other people’s intentions and desires. Young adolescents have the cognitive ability to appreciate they made a bad decision, but it is more mentally demanding. And social rewards, emotions and the chance to experience something new all have a strong bearing on their decisions and actions in the moment — possibly more than whether it is right or wrong. <h2>Early adolescence is critical for the brain</h2> There are also a number of reasons adolescent brains may develop differently. This includes various forms of neurodisability such as acquired brain injury, fetal alcohol spectrum disorder, attention-deficit hyperactivity disorder (ADHD) and intellectual disability, as well as exposure to trauma. Teenagers with neurodevelopmental disorders will likely cope differently with decision making, social pressure, impulse control and risk assessment, and face <a href="https://www.mcri.edu.au/images/research/strategic-collaborations/Flagships/Neurodevelopment/Neurodevelopment_Flagship_Brochure.pdf">extra difficulties</a>. Across the world, they are <a href="https://www.thelancet.com/journals/lanpub/article/PIIS2468-2667(19)30217-8/fulltext">disproportionately incarcerated</a>. In Australia, Indigenous children and adolescents are incarcerated <a href="https://www.indigenoushpf.gov.au/measures/2-11-contact-with-the-criminal-justice-system#:%7E:text=On%20an%20average%20day%20in%202021%E2%80%9322%2C%20there%20were%3A,AIHW%202023d%3A%20Table%20S76a">in greater numbers</a> than their non-Indigenous peers. Each child matures differently, and some face extra challenges. But for every person, the period between ten and 14 is critical for developing the cognitive, social and emotional skills they’ll carry through the rest of their life.<img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/237552/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/susan-m-sawyer-109573">Susan M. Sawyer</a>, Professor of Adolescent Health The University of Melbourne; Director, Royal Children's Hospital Centre for Adolescent Health, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</a> and <a href="https://theconversation.com/profiles/nandi-vijayakumar-1644262">Nandi Vijayakumar</a>, Research Fellow, School of Psychology, <a href="https://theconversation.com/institutions/deakin-university-757">Deakin University</a> Image credits: Shutterstock This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/can-a-10-year-old-be-responsible-for-a-crime-heres-what-brain-science-tells-us-237552">original article</a>.

Mind

You don’t need a doctor to get more physically active – here are 10 simple steps you can take by yourself

<div class="theconversation-article-body"><a href="https://theconversation.com/profiles/nerys-m-astbury-410114">Nerys M Astbury</a>, <a href="https://theconversation.com/institutions/university-of-oxford-1260">University of Oxford</a> We all know physical activity has many <a href="https://www.nhs.uk/live-well/exercise/exercise-health-benefits/">health benefits</a>, including for mental health. It helps <a href="https://theconversation.com/exercise-can-reduce-stress-and-improve-sleep-particularly-for-women-with-breast-cancer-186144">manage stress</a>, ease joint or back pain, and boost energy levels. Exercise can also improve <a href="https://theconversation.com/exercise-and-the-brain-three-ways-physical-activity-changes-its-very-structure-150203">brain function</a> and <a href="https://theconversation.com/exercise-really-can-help-you-sleep-better-at-night-heres-why-that-may-be-192427">sleep</a>, and lift mood. In contrast, inactivity or spending too much time <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC6308180/">sedentary</a> is a leading factor in developing a range of diseases. The <a href="https://www.who.int/publications/i/item/9789240015128">World Health Organization</a> recommends we should do a weekly minimum of 150-300 minutes of moderate intensity physical activity, such as walking, or 75 minutes of vigorous physical activity, such as swimming, jogging or an exercise class – as well as <a href="https://theconversation.com/strength-training-could-be-the-answer-to-one-of-the-worlds-worst-killers-228665">regular strength training</a>. However, many people <a href="https://www.who.int/teams/health-promotion/physical-activity/global-status-report-on-physical-activity-2022">fail to meet these guidelines</a>. So what to do about this <a href="https://www.weforum.org/agenda/2022/12/lack-exercise-inactivity-preventable-diseases/">health crisis</a>? There is already <a href="https://www.bmj.com/content/376/bmj-2021-068465">evidence</a> that when GPs give patients guidance and continued support to increase physical activity, this encourages them to be more physically active – at least in the short term. However, we don’t yet know the best way for doctors to communicate with patients to help them sustain these increased activity levels so the current guidance and support on offer to patients isn’t as effective as it could be. <figure><iframe src="https://www.youtube.com/embed/vCCD1xHKpZc?wmode=transparent&start=0" width="440" height="260" frameborder="0" allowfullscreen="allowfullscreen"></iframe></figure> For example, my <a href="https://www.bmj.com/content/386/bmj-2023-078713">latest research</a> examines the <a href="https://www.bmj.com/content/340/bmj.c1900">“motivational interviewing” (MI)</a> method GPs currently use to encourage patients to change their lifestyle. MI is a patient-centred, non-confrontational communication style that helps patients address any problem behaviour by exploring their ambivalence towards changing it. MI has been shown to help patients with a host of health problems, including <a href="https://pubmed.ncbi.nlm.nih.gov/25577724/">addiction issues</a>, <a href="https://pubmed.ncbi.nlm.nih.gov/23001832/">eating disorders</a>, <a href="https://pubmed.ncbi.nlm.nih.gov/25726920/">smokers</a> and those with <a href="https://pubmed.ncbi.nlm.nih.gov/33637368/">diabetes</a> to change their behaviour. However, I found that while MI programmes can help patients increase their total amount of physical activity – the benefits are only short term. <h2>Ten simple ways to be more physically active</h2> If you want more physical activity in your life, then, there are many self-directed things you can do to help yourself, without joining a programme or seeing your GP. Here are ten simple and effective ways to help you become – and stay – more physically active: 1) Don’t sit, stand We <a href="https://theconversation.com/sitting-is-bad-for-your-health-and-exercise-doesnt-seem-to-offset-the-harmful-effects-225056">sit a lot</a>. In fact, it’s likely you’re sitting right now – and you needn’t be. Sitting for long periods has been <a href="https://doi.org/10.1016/j.amepre.2010.05.024">linked</a> with many adverse health outcomes, so try to stand more. <figure><iframe src="https://www.youtube.com/embed/wUEl8KrMz14?wmode=transparent&start=0" width="440" height="260" frameborder="0" allowfullscreen="allowfullscreen"></iframe></figure> 2) Take the stairs Being physically active needn’t mean expensive gym memberships. Try building physical activity into your daily routine. One easy way to do this is by swapping the lift or escalator for the stairs. 3) Make it fun If you like doing something, you’re <a href="https://theconversation.com/why-you-shouldnt-let-guilt-motivate-you-to-exercise-220342">more likely</a> to continue doing it. Why not try an activity you liked doing as a child, or even something new? Who knows, you might enjoy it. 4) Phone a friend Exercising <a href="https://theconversation.com/exercise-can-be-punishing-but-heres-how-to-stop-thinking-of-it-as-a-punishment-76167">with a friend</a> or loved one is a great way to stay motivated, and it can make physical activity more fun too. 5) Do less, more often <a href="https://pilotfeasibilitystudies.biomedcentral.com/articles/10.1186/s40814-023-01272-8">“Snacktivity”</a> – a term for breaking up your activity into shorter <a href="https://theconversation.com/forget-the-gym-in-january-exercise-snacking-is-the-way-forward-69702">activity “snacks”</a> – can help you increase activity in convenient, manageable bursts while reaping the health benefits. 6) Track your progress Activity trackers aren’t a fad. There is <a href="https://doi.org/10.1016/S2589-7500(22)00111-X">evidence</a> that just using an activity tracker such as a pedometer to count steps or a smart watch that logs activity can help increase your activity levels, reduce body fat and increase muscle mass – and increase your overall physical fitness. 7) Get into a habit We know it takes about ten weeks to <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC3505409/">form a habit</a>. Repetition is key – so stick with it and keep going. Once you’ve formed a physical activity habit, it will be <a href="https://www.psychologytoday.com/gb/basics/habit-formation#:%7E:text=Building%20healthy%20habits%20can%20involve,listening%20to%20music%20while%20exercising">hard to shake it off</a>.). 8) Hold still Try to incorporate <a href="https://en.wikipedia.org/wiki/Isometric_exercise">isometric exercises</a> like the plank or wall squats into your routine. These exercises, which need no equipment, require you to tighten muscles and hold still – and have been shown to <a href="https://bjsm.bmj.com/content/57/20/1317">lower your blood pressure</a>. 9) Set a goal Give yourself an achievable target to work towards – it will <a href="https://theconversation.com/three-tips-to-help-you-stay-motivated-to-keep-exercising-all-year-long-175868">motivate you</a> to reach your goal. 10) Reward yourself And don’t forget to reward yourself when you meet that goal. You can also build in rewards to mark your progress along the way. After all, who doesn’t like to treat themselves when they’ve done well?<img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/231991/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/nerys-m-astbury-410114">Nerys M Astbury</a>, Associate professor, <a href="https://theconversation.com/institutions/university-of-oxford-1260">University of Oxford</a> Image credits: Shutterstock This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/you-dont-need-a-doctor-to-get-more-physically-active-here-are-10-simple-steps-you-can-take-by-yourself-231991">original article</a>. </div>

Body

"I love you forever": Novak Djokovic celebrates 10 year anniversary

Novak Djokovic has celebrated his 10-year wedding anniversary with Jelena Djokovic. The tennis star took to Instagram to share an adorable tribute honouring their anniversary, with a video of the couple dancing, singing and laughing together set to Dolly Parton and Kenny Rogers' Islands In The Stream. "Ten years of joy," Novak began in the caption. "Ten years as parents. Ten years as one. Ten years of dancing. Ten years of fun," he wrote. "Ten years of flying. Ten years at sea. Ten years of you. The best part of me." "Ten years of tennis. Ten years of balls. Ten years of triumph. Ten years of falls. "Ten years as teammates. Ten years together. Ten years Jelena. I love you forever." <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-permalink="https://www.instagram.com/reel/C9O8uaeoMZF/?utm_source=ig_embed&utm_campaign=loading" data-instgrm-version="14"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"> </div> </div> </div> <div style="padding: 19% 0;"> </div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"> </div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <div style="padding: 12.5% 0;"> </div> <div style="display: flex; flex-direction: row; margin-bottom: 14px; align-items: center;"> <div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(0px) translateY(7px);"> </div> <div style="background-color: #f4f4f4; height: 12.5px; transform: rotate(-45deg) translateX(3px) translateY(1px); width: 12.5px; flex-grow: 0; margin-right: 14px; margin-left: 2px;"> </div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(9px) translateY(-18px);"> </div> </div> <div style="margin-left: 8px;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 20px; width: 20px;"> </div> <div style="width: 0; height: 0; border-top: 2px solid transparent; border-left: 6px solid #f4f4f4; border-bottom: 2px solid transparent; transform: translateX(16px) translateY(-4px) rotate(30deg);"> </div> </div> <div style="margin-left: auto;"> <div style="width: 0px; border-top: 8px solid #F4F4F4; border-right: 8px solid transparent; transform: translateY(16px);"> </div> <div style="background-color: #f4f4f4; flex-grow: 0; height: 12px; width: 16px; transform: translateY(-4px);"> </div> <div style="width: 0; height: 0; border-top: 8px solid #F4F4F4; border-left: 8px solid transparent; transform: translateY(-4px) translateX(8px);"> </div> </div> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center; margin-bottom: 24px;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 224px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 144px;"> </div> </div> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;"><a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none;" href="https://www.instagram.com/reel/C9O8uaeoMZF/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by Novak Djokovic (@djokernole)</a> </div> </blockquote> The couple first met in high school in the 90s but didn't start dating until a few years later, when Novak finally kicked off his professional tennis career. The high-school sweethearts tied the knot in a ceremony held at Aman Sveti Stefan resort almost a decade later in July 2014, and they were also expecting their first child at the time. The couple now share two children together, Stefan, nine, and Tara, Six. Images: Instagram

Relationships

Rod Stewart shares the secret to a perfect marriage

Rod Stewart has shared the secret behind his 17-year marriage with Penny Lancaster, and how the couple continue to make their relationship work. Chatting candidly with <a href="https://www.hellomagazine.com/celebrities/704566/rod-stewart-penny-lancaster-secret-to-their-happy-marriage/" target="_blank" rel="noopener">Hello!</a> magazine, Stewart, 79, and Lancaster, 53, shared their ultimate secret to a happy and prosperous marriage. "We love life and make date nights for one another, among touring and family time," the rockstar told the publication. "We listen to each other and try to resolve all our disagreements, the dirty laundry as Penny says, right away, and before we go to bed." After a career spanning 62 years, Stewart says he has no desire to slow down and stop performing, while his wife says she admires her husband's drive and work ethic. "He loves what he does so much and will never retire. He's a workaholic and constantly on the move," she said. Stewart went on to say that despite his love of performing, he has learned to balance work and family. "I used to be much more preoccupied with myself and my career. But I've learnt from my mistakes and am more present," he said. The couple first met when Lancaster when she was hired to photograph Stewart on a tour in the '90s. "When we first met, I got her phone number – I had just broken up. I gave it to the bass player … and he kept it for six months," Stewart said in a <a title="2015 interview" href="https://www.youtube.com/watch?v=POEc1TlDLSk" target="_blank" rel="noopener">2015 interview</a>. He eventually called her and they began dating for several years before marrying in Italy on June 16th 2007. The couple now share two children, Alastair, 18, and Aiden, 13. Image credits: SplashNews.com/Shutterstock Editorial

Relationships

Secret transcripts from Jeffrey Epstein investigation finally released

Secret transcripts from the 2006 Grand Jury investigation into allegations of sex trafficking and rape against Jeffrey Epstein have been made public for the first time. On Monday, approximately 150 pages of unseen transcripts were released to the public, which were released weeks earlier than originally anticipated. “It is our hope that the release of these records gives peace of mind to our community and gives Jeffrey Epstein’s victims the closure they deserve,” Clerk of the Circuit Court in Palm Beach County, Florida, Joseph Abruzzo, said in a <a title="www.mypalmbeachclerk.com" href="https://www.mypalmbeachclerk.com/Home/Components/News/News/734/16" target="_blank" rel="noopener">press release</a>. In February, Florida Governor Ron DeSantis signed a bill that allowed the documents to be released, with the judge planning a hearing for next week to discuss when and how they would be released. “The details in the record will be outrageous to decent people,” Circuit Judge Luis Delgado wrote in his ruling. “The testimony taken by the Grand Jury concerns activity ranging from grossly unacceptable to rape – all of the conduct at issue is sexually deviant, disgusting, and criminal.” The transcripts detail a testimony in 2005, where an anonymous 17-year-old girl was approached by a friend who said she could make $US200 ($300) if she gave a massage “to a wealthy man in Palm Beach”. She went to his house and was led to a room by Epstein’s assistant, and was instructed to remove her clothes by the millionaire. According to Palm Beach Police Detective Joe Recarey’s testimony, Epstein told the girl he would pay her if she brought “girls” to his home, “And he told her, ‘the younger, the better’.” Over an undetermined amount of time, the girl brought six friends from her high school to Epstein’s home, including a 14-year-old girl. Following the Grand Jury investigation in 2006, Epstein took a plea deal with South Florida federal prosecutors in 2008. The deal, which has been criticised for being too lenient, allowed him to get away with several federal charges of abuse against underage girls if he pleaded guilty to Florida state charges, as he pleaded guilty to soliciting and procuring a minor for prostitution. Epstein was found dead in his jail cell in August 2019 after spending just over a month in custody as he awaited sentencing. Image credits: MGG/Shutterstock Editorial/Palm Beach County Circuit Court

Legal

"Love is love": Vietnam veteran reveals lifelong secret in obituary

A Vietnam veteran has kept a heartbreaking secret from his loved ones his entire life, and only revealed the truth in his obituary. Col. Edward Thomas Ryan died at the age of 85 in his home in Albany, New York, after serving as a firefighter in the city of Rensselaer for most of his life. In a final message to the world that he penned before succumbing to cancer, Ryan shared that he had always known he was gay, but was was “afraid of being ostracized" by his loved ones. "I must tell you one more thing. I was Gay all my life: thru grade school, thru High School, thru College, thru Life," he wrote in his obituary, published by the Albany Times Union. "I was in a loving and caring relationship with Paul Cavagnaro of North Greenbush," he confessed. "He was the love of my life. We had 25 great years together. Paul died in 1994 from a medical Procedure gone wrong. I'll be buried next to Paul." The former soldier, who served with the Army's 10th Brigade and received several military awards, including the National Defense Service Medal and the Defense of Liberty Medal "for participation to the State" following 9/11, explained that he had never revealed his secret out of fear of being disowned. "I'm sorry for not having the courage to come out as Gay. I was afraid of being ostracized: by Family, Friends, and Co-Workers," he recalled. "Seeing how people like me were treated, I just could not do it. Now that my secret is known, I'll forever Rest in Peace." Aside from serving in the war and being a firefighter, he was also one of the founders and owners of the local Albany radio station WGY-FM. Additionally, he was a chef at the East Greenbush, American Legion Post, and a lifelong member of the Vietnam Veterans of America. Ryan is survived by his 14 nieces and nephews who call him "Uncle Ed". His obituary has since gone viral and many have paid tribute to the Vietnam veteran on his obituary. "Col. Ryan. you lived your life with such bravery and carry it with you in the afterlife. I don't know if we will ever truly feel free. As a gay woman over 60, I struggle with this still. Half out and half in. Thank you for showing us the way to leave this life with dignity while being true to ourselves. The world needs more men like you. True hero," wrote one commenter. "Rest in Power Ed. Thank you for your service to your country. Thank you for the example of how much work we still need to do to honour and respect our brothers and sisters like you," added another. "Love is love. Glad you are finally reunited with yours and you are both resting in peace," wrote a third. "May you rest peacefully in the arms of your forever love. I'm so sorry that you never felt safe to be your authentic self. Your bravery followed you beyond death," added a fourth. "I hope Edward and Paul are reunited now, in love for eternity. Nobody should have to spend a lifetime hiding who they are and who they love," another commenter wrote. Image: Legacy.com

Relationships

10 ways to cruise as a senior

Just because you’re older, that doesn’t mean you can’t experience all that a cruising holiday has to offer. Follow our simple tips for a fun filled holiday on the water. 1. Choose the right ship Cruise ships today carry anywhere from six to 6,000 people. The larger megaliners tend to be geared towards families with plenty of crazy rides and high-energy activities. They’ll also probably be crowded with kids. Smaller boutique ships operate at a slower pace and are generally stocked with an older crowd. Do your research and find one to suit you. 2. And the right cabin Do you need an accessible cabin? Do you want to reduce walking with a cabin close to the elevators? Is it important for you to have some outside space of your own? These are all important questions that you’ll need to answer when you book. The right cabin can make or break a cruise. 3. Pick an appropriate itinerary You’ll need to decide if you want to visit new places every day or spend more time onboard the ship. Both have their advantages and disadvantages. Port heavy itineraries, where you’re stopping at a new destination every day, can be tiring. On the other hand, you might get bored with too many days at sea. Think realistically about your needs and make the right choice for you. 4. Research your dates One of the best things about being a senior traveller is that you are (generally) no longer bound by things like school holidays. By avoiding these times you’ll not only save money, you won’t be on a ship with an unusually high proportion of children. When cruising in the Caribbean, you’ll also need to keep in mind the US college holidays so you’re not trapped with a bunch of boozy spring breakers. 5. Allow extra time It’s a sad fact of ageing that you’re not as quick on your feet as you used to be. That means you’ll need to factor in extra time for just about everything. Ships can be huge, so you don’t want to be rushing to make a dinner reservation or spa appointment. This applies on shore too. If you’re really late, the ship will leave without you so don’t cut it too fine. 6. Choose the right shore excursions Before you book, have a chat with the shore excursions team and get a good idea of the physical requirements. What they consider minimal walking might not be the same as what you consider minimal walking. These tours aren’t cheap, so you want to be sure that you can enjoy everything it involves. 7. Look at onboard activities You might not want to get off at every port (which can be exhausting) but still want to be entertained onboard. And adventurous activities like skydiving simulators and giant waterslides may not be your thing any more. Many cruise lines offer fantastic enrichment programs onboard where you can listen to world-class lecturers, learn new skills or watch performances from the likes of the Royal Academy of Dramatic Arts or the Lincoln Centre. 8. Give yourself time to relax You’re on holiday! If you want to spend a day in bed, watching movies and ordering room service then do exactly that. Don’t feel any pressure to be up and about every day. 9. Travel with the right companions Solo, couple, friends or family, there’s a cruise for every group. Cruising is hugely popular with multi-generational groups as there something for everyone to do, but it might not make for the most relaxing holiday. If you’re a solo traveller, you can book a single cabin all to yourself or find a room mate with any number of matching services. Just think carefully – because once you’re onboard with your travel buddy, there’s no getting off. 10. Think about medical care Be realistic about any medical needs you may have. Most ships have a decent medical centre, but if you are spending multiple days at sea or cruising to very remote destinations and something happens it might not be enough to help you. If you are concerned, choose cruises that stay close to shore or visit developed countries where you can get proper treatment quickly. Image credits: Shutterstock

Cruising

10 best airports for sleeping

Sleeping in airports isn’t exactly luxury, but sometimes when you’re stuck between flights you’re all out of options. We’ve taken a look at the 10 best airports to sleep in. While you might not be able to get your full set of 40 winks, at least you can catch a little bit of shut eye at these airports. 10. Taipei Taoyuan International Airport – Taiwan You might want to bring along an eye mask or sunglasses, but you can definitely get a bit of shut-eye between flights at Taipei Taoyuan International Airport. This airport makes the list but it is quite busy so it’s an idea to have some earplugs or even a pillow if you’re serious about sleeping. 9. Stockholm Arlanda International Airport – Sweden Nothing ruins an airport nap like missing your international flight! Travellers sleeping at Stockholm Arlanda International Airport needn’t be concerned though as there have been reports of travellers leaving post-it notes with stickers that say “Wake me at 5:00am”. Beats an alarm clock! 8. Tallinn International Airport – Estonia This international airport is fast gaining a reputation as a good place to catch some sleep, but it’s advised that you make sure you sleep near other travellers. The website says, “Make sure they are actual travellers and not homeless people – it is sometimes hard to tell in certain airports.” 7. Tokyo Haneda International Airport – Japan Due partly to its proximity to the rest of town, Tokyo Haneda International Airport is a very popular airport to sleep at, to the point where the site says, “If you are staying at a busy airport overnight, you'll have to get there early if you want a good spot, especially during the summer season.” 6. Porto Francisco Sá Carneiro Airport – Portugal While this airport provides a great option for travellers looking to catch up on a little bit of shut-eye, they still have to be creative. The website recommends heading, “behind ticket counters, under and behind seats, in wheelchairs and on luggage conveyor belts,” to get some sleep. 5. Vienna International Airport – Austria This airport sports a grand-spanking new terminal with some nice cots for you to catch up with some shut eye in peace and privacy. There are also lots of power sockets around the place if you need to charge devices or even if you were looking to check out the latest <a href="../news/news/">O</a>ver 60 article on your tablet! 4. Munich International Airport – Germany If you’re looking to catch up on some sleep at the home of Oktoberfest you’re in luck – Munich International Airport is set up pretty well for dozing travellers, relatively safe and asides from the odd security officer asking to see your boarding pass you will generally be left alone. 3. Helsinki International Airport – Finland There is a range of options for sleepy travellers at Helsinki International Airport including the famous GoSleep airport sleeping pods. These handy capsules measure in at 1.8 metres by 0.6 metres, and can be rented for as little as $12 to ensure you get some peace and quiet as you sleep. 2. Seoul Incheon International Airport – South Korea This huge international airport is a marvel in and of itself and provides a state of the art, luxurious place to get a little bit of shut eye between naps. What is even better is the fact that there have been reports of, “a few generous vendors giving away their unsold food to airport sleepers.” 1. Changi International Airport – Singapore When you look at the inclusions this airport has sheerly designed to enhance customer comfort you can see why there’s no question Changi International Airport came out at number one. Enjoy massage chairs, low-lit relaxation zones, armrest-free seating and handy charging outlets. Image credits: Shutterstock

Travel Tips

10 questions you must ask before booking a tour

A tour can be a memorable experience, for the right and wrong reasons. Here are 10 questions you must ask yourself before booking one on your next holiday. 1. Are there minimum or maximum group sizes? This applies for two reasons. Firstly, you need to decide how many people you’d like to travel with. Small group tours will have no more than a dozen or so while larger tours could be up to 50. The size will drastically impact your tour experience, affecting everything from the mode of transport to the type of meals. Secondly, you need to know if there’s a minimum group size needed for the tour to run. If you’re the only one who books you may find it cancelled. 2. What is your cancellation/refund policy? As a rule of thumb, you should ask this question about any kind of travel you book before you hand over your cash. With a tour, make sure you find out their policies around inclement weather, too few passengers or if you need to cancel. And as always, travel insurance is your best friend. 3. Are you available for support throughout? One of the good things about travelling with a tour is that you’ll have the services of at least one guide. It’s also good to know if the tour office itself is available for assistance when you’re on the road. This comes in handy if you have to make changes, get sick or are unhappy with the experience. 4. Do you have any reviews I can read? If you can’t find the tour company on TripAdvisor or a similar review site, ask the company if they have any testimonials from previous customers. Before you make your final decision, it’s nice to know what other people have said about the tour and its style. 5. What experience/qualifications do the guides have? Many tour companies now pride themselves on using locals or people who have lived in a country for many years to guide tours. You don’t want to be stuck with someone who just reads from a guidebook – you can do that yourself for half the price. Find out what they know before you go. 6. How active is it? There is a huge spectrum when it comes to tours, ranging from coach journeys with very little walking to active treks where you cover hard ground every day. Make sure you find out exactly what will be involved and if that suits your abilities and fitness level. And be realistic – you and the tour group will suffer otherwise. 7. What is the demographic? You don’t want to get stuck on a tour with a bunch of 25 year olds who are just looking for the pub. Most people prefer to travel with people around their own age and in similar demographics (such as solo travellers, seniors, families etc), so make sure you find out who is likely to be in your group before you book. 8. Is everything included or will I have to pay for extras? You should be able to get a detailed break down of exactly what is – and what isn’t – included in the price. What looked like a good deal can quickly become very expensive if you have to pay for day excursions, admission fees, alcohol or other surprises. 9. How much time do you spend in each place? Are you looking to tick many famous sites off your list or do you want to have the time to immerse yourself in a destination? When you’re looking at an itinerary, ask questions about how long you will actually be spending at each place to ensure that you get enough time to really enjoy it. 10. Will I get any free time on my own? After many days as part of a group, it’s nice to have some time on your own. You can explore sites that aren’t on your itinerary, try a new restaurant or just have a well deserved nap. Find out how rigid the schedules are and if there will be some time to do your own thing. Image credits: Shutterstock

Travel Tips

10 tips for a better night’s sleep in a hotel room

From noisy neighbours to unbearable bedding, a good night’s sleep in a hotel room can be hard to come by. Here are 10 tips to help you get decent shut eye. 1. Book a room midway down a hallway This is generally the quietest part of the floor, way from ice and wending machines, laundry facilities, exits, closets and any other places where sudden noises might occur. 2. Try to avoid rooms facing a pool While the view is something to admire, pools can also be the sight of noise generating late-night gathering and any sounds generally echo loudly off the water. 3. Inquire at the front desk about pillow options If the wrong pillow gives you back or neck pain have a chat to the front desk when checking in. Most hotels stock pillows of varying firmness, and can offer a better fit. 4. Pack earplugs and eyeshades When you’re struggling to get to sleep the tiniest noise or ray of light can end up being a huge distraction. Nip this in the bud by packing earplugs and eyeshades. 5. Turn your mobile phone off Mobile notifications can be a huge distraction (particularly when they’re coming from friends and family in different time zones). Turn your phone off, and enjoy the bliss. 6. Make use of your ‘do not disturb’ sign If you’re planning to sleep in make sure you put your ‘do not disturb’ sign on the outside doorknob, otherwise you might get a rude awakening from a housekeeper. 7. Report any noises immediately Sometimes a quick pound of the wall will quiet down a noisy neighbour, but this doesn’t always work. If the people in the room next to you won’t keep quiet, make sure you let the front desk know and they can take the necessary actions. 8. Adjust the room temperature Most people sleep better in a cooler room, so make sure you adjust the temperature to whatever is the best fit for you to get sleep. Even just opening the window a tiny little crack can make a big difference in terms of your overall comfort levels. 9. Ask the front desk about blackout shades Particularly if you’re staying in a city that’s full of lights, noises and distractions, blackout shades can provide you with a level of peace and comfort that will help you sleep. 10. Consider bringing your own sheets Particularly if you’ve got skin sensitives, it’s generally a good idea to bring your own sheets (if you’ve got enough space). The familiar scent and feel will really help you sleep. Image credits: Shutterstock

Travel Tips

Centenarian blood tests give hints of the secrets to longevity

<a href="https://theconversation.com/profiles/karin-modig-1473484">Karin Modig</a>, <a href="https://theconversation.com/institutions/karolinska-institutet-1250">Karolinska Institutet</a> Centenarians, once considered rare, have become commonplace. Indeed, they are the <a href="https://www.weforum.org/agenda/2021/02/living-to-one-hundred-life-expectancy/">fastest-growing demographic group</a> of the world’s population, with numbers roughly doubling every ten years since the 1970s. How long humans can live, and what determines a long and healthy life, have been of interest for as long as we know. Plato and Aristotle discussed and <a href="https://pubmed.ncbi.nlm.nih.gov/12092789/">wrote about the ageing process</a> over 2,300 years ago. The pursuit of understanding the secrets behind exceptional longevity isn’t easy, however. It involves <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC7105197/">unravelling the complex interplay</a> of genetic predisposition and lifestyle factors and how they interact throughout a person’s life. Now our recent study, <a href="https://link.springer.com/article/10.1007/s11357-023-00936-w">published in GeroScience</a>, has unveiled some common biomarkers, including levels of cholesterol and glucose, in people who live past 90. Nonagenarians and centenarians have long been of intense interest to scientists as they may help us understand how to live longer, and perhaps also how to age in better health. So far, studies of centenarians have often been small scale and focused on a selected group, for example, excluding centenarians who live in care homes. <h2>Huge dataset</h2> Ours is the largest study comparing biomarker profiles measured throughout life among exceptionally long-lived people and their shorter-lived peers to date. We compared the biomarker profiles of people who went on to live past the age of 100, and their shorter-lived peers, and investigated the link between the profiles and the chance of becoming a centenarian. Our research included data from 44,000 Swedes who underwent health assessments at ages 64-99 - they were a sample of <a href="https://pubmed.ncbi.nlm.nih.gov/28158674/">the so-called Amoris cohort</a>. These participants were then followed through Swedish register data for up to 35 years. Of these people, 1,224, or 2.7%, lived to be 100 years old. The vast majority (85%) of the centenarians were female. Twelve blood-based biomarkers related to inflammation, metabolism, liver and kidney function, as well as potential malnutrition and anaemia, were included. All of these <a href="https://www.nature.com/articles/s41591-019-0719-5">have been associated</a> with ageing or mortality in previous studies. The biomarker related to inflammation was uric acid – a waste product in the body caused by the digestion of certain foods. We also looked at markers linked to metabolic status and function including total cholesterol and glucose, and ones related to liver function, such as alanine aminotransferase (Alat), aspartate aminotransferase (Asat), albumin, gamma-glutamyl transferase (GGT), alkaline phosphatase (Alp) and lactate dehydrogenase (LD). We also looked at creatinine, which is linked to kidney function, and iron and total iron-binding capacity (TIBC), which is linked to anaemia. Finally, we also investigated albumin, a biomarker associated with nutrition. <h2>Findings</h2> We found that, on the whole, those who made it to their hundredth birthday tended to have lower levels of glucose, creatinine and uric acid from their sixties onwards. Although the median values didn’t differ significantly between centenarians and non-centenarians for most biomarkers, centenarians seldom displayed extremely high or low values. For example, very few of the centenarians had a glucose level above 6.5 earlier in life, or a creatinine level above 125. For many of the biomarkers, both centenarians and non-centenarians had values outside of the range considered normal in clinical guidelines. This is probably because these guidelines are set based on a younger and healthier population. When exploring which biomarkers were linked to the likelihood of reaching 100, we found that all but two (alat and albumin) of the 12 biomarkers showed a connection to the likelihood of turning 100. This was even after accounting for age, sex and disease burden. The people in the lowest out of five groups for levels of total cholesterol and iron had a lower chance of reaching 100 years as compared to those with higher levels. Meanwhile, people with higher levels of glucose, creatinine, uric acid and markers for liver function also decreased the chance of becoming a centenarian. In absolute terms, the differences were rather small for some of the biomarkers, while for others the differences were somewhat more substantial. For uric acid, for instance, the absolute difference was 2.5 percentage points. This means that people in the group with the lowest uric acid had a 4% chance of turning 100 while in the group with the highest uric acid levels only 1.5% made it to age 100. Even if the differences we discovered were overall rather small, they suggest a potential link between metabolic health, nutrition and exceptional longevity. The study, however, does not allow any conclusions about which lifestyle factors or genes are responsible for the biomarker values. However, it is reasonable to think that factors such as nutrition and alcohol intake play a role. Keeping track of your kidney and liver values, as well as glucose and uric acid as you get older, is probably not a bad idea. That said, chance probably plays a role at some point in reaching an exceptional age. But the fact that differences in biomarkers could be observed a long time before death suggests that genes and lifestyle may also play a role.<img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/215166/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/karin-modig-1473484">Karin Modig</a>, Associate Professor, Epidemiology, <a href="https://theconversation.com/institutions/karolinska-institutet-1250">Karolinska Institutet</a> Image credits: Shutterstock This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/centenarian-blood-tests-give-hints-of-the-secrets-to-longevity-215166">original article</a>.

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Centenarian blood tests give hints of the secrets to longevity