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Hollywood icon reveals plans for retirement

<p>Denzel Washington has revealed that he is going to retire after his next batch of films. </p> <p>The Hollywood icon appeared via videolink on Tuesday’s episode of the <em>Today Show</em>, alongside his co-stars to promote his new film <em>Gladiator II</em>.</p> <p>“I don’t know how many more films I’m going to make. Probably not that many,” the actor, who turns 70 next month, told <em>Today</em> host Richard Wilkins. </p> <p>“I want to do things I haven’t done. I’ve played Othello at 22, I’m about to play Othello at 70,” he said.</p> <p>Denzel will play the role in the Shakespeare play on Broadway alongside Jake Gyllenhaal from February next year.</p> <p>“After that I’m playing Hannibal. After that I’ve been talking with Steve McQueen about a film. After that Ryan Coogler’s writing a part for me in the next <em>Black Panther.</em>”</p> <p>He added, “After that I’m going to do the film Othello. After that I’m going to do King Lear. After that I’m going to retire.”</p> <p>Based on the interview, the actor has six upcoming projects across stage and film, so fans will still get to enjoy a few more of his roles before he retires, following a career that has spanned almost 50 years. </p> <p>Speaking to <em>news.com.au</em>, the actor offered some insight into why he is planning to retire, saying that there are “less and less challenges”, after previously revealing that at this point in his career, there are very few roles he is willing to take. </p> <p><em>Image: Masatoshi Okauchi/ Shutterstock Editorial</em></p> <p> </p>

TV

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Readers response: Is there any item of memorabilia you’ve passed down to family or plan to in the future?

<p>As in many families, there are often sentimental items and memorabilia that are passed down from several generations. </p> <p>We asked our readers if there are any heirlooms that they have passed down to their younger family members, or if they plan to, and the response was overwhelming. Here's what they said. </p> <p><strong>Marjorie Gale</strong> - The christening gown made by my Aunt in the UK in 1955 for my eldest daughter, worn by my two other daughters. Now been worn by my 9 grandchildren and 12 great grandchildren, and another due soon. So far 24 babies have worn it.</p> <p><strong>Dawn Douglas</strong> - Yes, I have my Mums jewellery box and my eldest daughter will get it when I’m gone. I also have a brooch that belonged to my Nana.</p> <p><strong>Sue Crawley</strong> - I have a 1925 gold embossed book by AA Milne “When We Were Very Young”. My most cherished memory was sitting on my great grandfathers knee whilst he read it to me. Not sure yet which grandchild will receive it.</p> <p><strong>Greg Browning</strong> - A Winchester rifle my great grandfather bought in the 1800s. Have already passed it on.</p> <p><strong>Marion Ingram</strong> - Family bassinets. Now on its 4th generation!</p> <p><strong>Margie Buckingham</strong> - My grandmother’s costume jewellery was stunning. She was a racehorse breeder always in the Flemington Racecourse members, even had many Group One winners, so her jewellery had to look special.</p> <p><strong>Paul Uttley</strong> - A silver pocket knife that belonged to my great grandfather now belongs to my oldest grandson (six generations apart)!</p> <p><em>Image credits: Shutterstock </em></p>

Family & Pets

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Your Go-To guide to game-changing Christmas skincare

<p dir="ltr">When it comes to Christmas presents, it’s hard to go wrong with skincare, makeup or anything in the general “self-care” space. </p> <p dir="ltr">This Christmas, <a href="https://gotoskincare.com/collections/holiday-2024">Go-To</a> (the revolutionary skincare brand founded by Zoe Foster-Blake) have released their most beautiful collection yet in collaboration with Alémais to deliver the very best in feeling good, for any budget. </p> <p dir="ltr">With 11 extremely limited gifts and sets to help you spread some serious cheer this season, you’ll find something for everyone, whether it’s for your daughter, granddaughter, neighbour, or that one friend that is always looking to level up their skincare routine. </p> <p dir="ltr">For the second year running, Go-To’s undeniably unique print and packaging is thanks to a local collaboration with Alémais, celebrating the very vibrant and zesty DNA of both brands.</p> <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/p/DBsyJSnxTMY/?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/p/DBsyJSnxTMY/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by Go-To (@gotoskincare)</a></p> </div> </blockquote> <p dir="ltr">The gorgeous gift sets start at just $26 with Perfect Present, or for those looking more on the luxury side, the $300 must-have Facial In A Box has everything you need.</p> <p dir="ltr">You’ll also spot several never-before-seen items from Go-To, like, Bon Bons, a trio of tinted lip balms, and custom tarot cards.</p> <p dir="ltr">In addition to all the stunning skincare, Go-To have created gifts that live on as keepsakes, such as the signature silk pillowcase and matching silk eye mask.</p> <p dir="ltr">Or, if you can’t pick just one gift for that special someone, or you want to treat yourself and just can’t wait until December 25th, the 12 Days Of Go-To advent calendar is filled with so many merry items of merch paired with the effective, quality, clinically-proven skincare you know, love and need.</p> <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/DBrsRwlJRsG/?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/DBrsRwlJRsG/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by Go-To (@gotoskincare)</a></p> </div> </blockquote> <p dir="ltr">The Go-To treats are ones you can feel good about in more ways than one, as Go-To is donating $1 from all marked gifts and sets, to their 2024 charity partner, Orange Sky: a not-for-profit that provides complimentary laundry services and warm showers to people in the community who are experiencing homelessness and hardship.</p> <p dir="ltr">With this glorious fusion of colour, wonderfully wacky motifs, and giving to those in need in the spirit of Christmas, Go-To has a gift for everyone in their most coveted holiday collection to date.</p> <p dir="ltr">The Go-To Christmas range is available at <a href="https://www.mecca.com/en-au/go-to/">Mecca</a>, both in-store and online, and on the official <a href="https://gotoskincare.com/collections/holiday-2024">Go-To</a> website.</p> <p dir="ltr"><em>Image credits: Shutterstock / Instagram </em></p> <p><span id="docs-internal-guid-bb2c25c8-7fff-6953-de80-1b3c24792a23"></span></p>

Beauty & Style

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Woman cured of Type 1 diabetes in life-changing clinical trial

<p>Marlaina Goedel was diagnosed with Type 1 diabetes when she was just five-years-old, and not only was the disease controlling her, but it almost cost her life. </p> <p>"I've crashed my car into a brick building before having a diabetic attack while driving," Goedel recalled. </p> <p>Her condition was so extreme that she felt robbed of a normal childhood, telling the <em>Daily Mail </em>that she was in and out of hospital with  life-threatening diabetic ketoacidosis, which causes toxic chemicals to build up in the blood due to a lack of insulin.</p> <p>Now 30-years-old, the Illinois woman no longer needs daily insulin shots and can finally enjoy sugar again thanks to a pioneering stem cell therapy that has cured her of type 1 diabetes. </p> <p>Goedel was one of three Americans who have been cured of their type 1 diabetes thanks to the clinical trial involving an islet cell transplant. </p> <p>It is a one-off infusion that involved transplanting islet cells into her liver to help her body produce insulin on its own. </p> <p>After four weeks, she no longer needed to take insulin. </p> <p>"[My doctor] said, ‘Mark it on your calendar. Today is the day. Stop all insulin,'" Goedel said of the life-changing moment. </p> <p>"I just went quiet and finally said, ‘I’m here. I’m in shock. I’m going to need you to repeat that.’"</p> <p>The trial was being run at the University of Chicago Medicine Transplant Institute. </p> <p>While Islet cell transplants isn't a new procedure, the current anti-rejection medication used can be toxic to the transplanted cells, potentially making it less effective over time. </p> <p>The clinical trial that ran at the university tested out a new antibody called tegoprubart, which was given to Goedel and the two other patients. </p> <p>Tegoprubart is made from lab-made antibodies that trick the immune system into thinking the body made the cells on its own, preventing them from being rejected. </p> <p>The patients were then given islet cells from a deceased donor's pancreas, which were then infused into the patient's small blood vessels in their liver. Those cells then lodged into the blood vessels and started producing insulin. </p> <p>For Goedel the only side effect of the procedure was "feeling like I got punched in the ribs,"  with the procedure lasting just an hour. </p> <p>"The cure is out there," Goedel told the <em>Daily Mail. </em></p> <p>With her new lease on life, Goedel plans to go back to school and go horse riding without worrying about suffering an attack and causing an accident. </p> <p>"It took a while to get used to saying, 'I am cured. I am diabetes free.' It's been very freeing," she said.</p> <p>"No one should have to live with this disease. I know that now more than ever."</p> <p><em>Images: Good Morning America/ UChicago Medicine</em></p> <p> </p>

Caring

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Readers response: How do you handle changes in energy levels as you age?

<p>As we get older, our levels of energy, ability and agility can slowly start to decrease, making us change our day-to-day lifestyles. </p> <p>We asked our readers how they handle these changes, and the response was overwhelming. Here's what they said. </p> <p><strong>Margo Courtney</strong> - Eat clean and healthy and your body will reward you with heaps of energy and vitality. I have a very big green smoothie most days as one of my 2 meals, along with 2 litres of water a day, and I don't even need much sleep.</p> <p><strong>Ron Stubbs</strong> - Up at 8am, can’t be late for my walk in the sun, and feeling great. Don’t need afternoon snooze then. I’m 77.</p> <p><strong>Kristeen Bon</strong> - I don’t handle them. I flop on the couch most afternoons for a quick five minute interior eye check!</p> <p><strong>Sylvia Brice</strong> - I have an autoimmune disease so my levels of energy are way down. I do what l can in small bursts and rest when l need to. Luckily l read and craft so can always do them. It's very hard to adapt but that's life and l am so much better for off than younger people with my disease. Think positive.</p> <p><strong>Judie Fisher</strong> - Do chores in small stretches, and have regular breaks.</p> <p><strong>Diane Green</strong> - Adjust. I do what I can, and what I can't just has to wait.</p> <p><strong>Raymond Richards</strong> - As they told us at the heart clinic, if you have something you HAVE to do - do it first.</p> <p><strong>Janis St George</strong> - Listen to your body - rest awhile when you need to.</p> <p><strong>Kaylene Samuels</strong> - Have a SCAN..... Seniors Compulsory Afternoon Nap.</p> <p><em>Image credits: Shutterstock </em></p>

Body

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Eight simple changes to our neighbourhoods can help us age well

<p><em><a href="https://theconversation.com/profiles/jerome-n-rachele-251972">Jerome N Rachele</a>, <a href="https://theconversation.com/institutions/australian-catholic-university-747">Australian Catholic University</a>; <a href="https://theconversation.com/profiles/james-f-sallis-407885">James F Sallis</a>, <a href="https://theconversation.com/institutions/university-of-california-san-diego-1314">University of California, San Diego</a>, and <a href="https://theconversation.com/profiles/venurs-loh-118864">Venurs Loh</a>, <a href="https://theconversation.com/institutions/australian-catholic-university-747">Australian Catholic University</a></em></p> <p>Where we live can play a big part in ageing well, largely because of the links between physical activity and wellbeing. <a href="https://www.ahuri.edu.au/__data/assets/pdf_file/0012/2181/AHURI_Final_Report_No214_Downsizing-amongst-older-Australians.pdf">Research shows</a> that two-thirds of Australians prefer to age in place. That is, we want to live independently in our homes for as long as we can. Our neighbourhoods and their design can then improve or hinder our ability to get out of the house and be physically active.</p> <p>The rapid ageing of Australia’s population only adds to the importance of neighbourhood design. In 2016, 15% of Australians were aged 65 or older. That proportion is <a href="https://www.aihw.gov.au/reports-statistics/population-groups/older-people/overview">projected to double</a> by 2056.</p> <p>These trends present several <a href="https://www.aihw.gov.au/reports-statistics/population-groups/older-people/reports">social and economic challenges</a>, particularly for the health sector. Designing neighbourhoods in ways that promote physical activity can help overcome these challenges.</p> <h2>Eight simple steps</h2> <p>The following is a short list of <a href="https://ijbnpa.biomedcentral.com/articles/10.1186/s12966-017-0471-5">evidence-based steps</a> local and state governments can take to assist older people to be physically active. These involve minor but effective changes to neighbourhood design.</p> <p><strong>Improve footpaths:</strong> Research indicates that older people have a <a href="https://theconversation.com/why-older-people-get-osteoporosis-and-have-falls-68145">higher risk of falls</a>. Ensuring footpaths are level and crack-free, and free from obstructions, will encourage walking among older people – especially those with a disability.</p> <p><strong>Connected pedestrian networks:</strong> Introducing footpaths at the end of no-through-roads and across long street blocks reduces walking distances to destinations. This makes walking a more viable option.</p> <p><strong>Slowing traffic in high-pedestrian areas:</strong> Slowing traffic <a href="https://www.heartfoundation.org.au/images/uploads/publications/Safe-Speed-Evidence-Report.pdf">improves safety</a> by reducing the risk of a collision. It also reduces the risk of <a href="https://www.ncbi.nlm.nih.gov/pubmed/28557669">death and serious injury</a> in the event of a collision.</p> <p><strong>Age-friendly street crossings:</strong> Installing longer pedestrian crossing light sequences gives older pedestrians <a href="https://academic.oup.com/ageing/article/41/5/690/47318/Most-older-pedestrians-are-unable-to-cross-the">more time to cross</a>, and installing refuge islands means those who walk more slowly can cross the street in two stages.</p> <p><strong>Disabled access at public transport:</strong> Although a form of motorised transport, public transport users undertake more incidental physical activity compared with car users. This is because they walk between transit stops and their origins and destinations. Improving disabled access helps make public transport a viable option for more older people.</p> <p><strong>Places to rest:</strong> <a href="https://bmcpublichealth.biomedcentral.com/articles/10.1186/1471-2458-13-1054">Providing rest spots</a> such as benches enables older people to break up their walk and rest when needed.</p> <p><strong>Planting trees:</strong> Planting trees <a href="http://www.sciencedirect.com/science/article/pii/S0277953614004109?via%3Dihub">creates more pleasant scenery</a> to enjoy on a walk. It also provides shade on hot days.</p> <p><strong>Improving safety:</strong> Ensuring that streets are well-lit and reducing graffiti and signs of decay are likely to <a href="https://www.ncbi.nlm.nih.gov/pubmed/24552845">improve perceptions of safety</a> among older people.</p> <h2>Why physical activity matters</h2> <p>Physical function – the ability to undertake everyday activities such as walking, bathing and climbing stairs – often declines as people age. The reason for this is that ageing is often accompanied by a reduction in muscle strength, flexibility and cardiorespiratory reserves.</p> <p>Regular physical activity can <a href="https://www.ncbi.nlm.nih.gov/pubmed/14552936">prevent or slow the decline</a> in physical function, even among those with existing health conditions.</p> <p>Middle-to-older aged adults can reduce their risk of physical function decline <a href="https://ijbnpa.biomedcentral.com/articles/10.1186/1479-5868-7-38">by 30%</a> with regular physical activity (at least 150 minutes per week). This includes recreational physical activity, like walking the dog, or incidental physical activity, such as walking to the shops or to visit friends.</p> <p>By making minor changes as outlined above, the health and longevity of our elderly population can be extended. Such changes will help our elderly age well in place.</p> <p><em><a href="https://theconversation.com/profiles/jerome-n-rachele-251972">Jerome N Rachele</a>, Research Fellow in Social Epidemiology, Institute for Health and Ageing, <a href="https://theconversation.com/institutions/australian-catholic-university-747">Australian Catholic University</a>; <a href="https://theconversation.com/profiles/james-f-sallis-407885">James F Sallis</a>, Professorial Fellow, Institute for Health and Ageing, Australian Catholic University, and Emeritus Professor, Department of Family Medicine and Public Health, <a href="https://theconversation.com/institutions/university-of-california-san-diego-1314">University of California, San Diego</a>, and <a href="https://theconversation.com/profiles/venurs-loh-118864">Venurs Loh</a>, PhD Candidate, Institute for Health and Ageing, <a href="https://theconversation.com/institutions/australian-catholic-university-747">Australian Catholic University</a></em></p> <p><em>Image credits: Shutterstock </em></p> <p><em>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/eight-simple-changes-to-our-neighbourhoods-can-help-us-age-well-83962">original article</a>.</em></p>

Travel Tips

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Chaos erupts over last-minute cruise itinerary change

<p>Passengers onboard a Carnival Cruise have demanded refunds after their travel itinerary changed once they had already boarded the ship. </p> <p>Guests aboard Carnival’s Vista had booked the eight-night Southern Caribbean cruise out of Port Florida on August 10th intending to stop in Aruba, Curacao and Turks and Cacaos, with the eight-day cruise averaging $11,700 per person.</p> <p>However, as boarding was taking place, the cruise line sent passengers a notification saying their had been a change of plans due to an engine problem.</p> <p>Carnival crew members had discovered a “technical issue affecting the ship’s cruising speed” which forced the cruise line to alter the itinerary, the cruise line told the New York Post, with Vista instead traveling to the Bahamas, making stops at Nassau, Princess Cays, Freeport, and Half Moon Cay. </p> <p>While a cruise worker was trying to explain the situation to passengers, some started chanting "Give us our money!" while staff tried to diffuse the situation.</p> <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/C_OYKHVvIIh/?utm_source=ig_embed&amp;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/C_OYKHVvIIh/?utm_source=ig_embed&amp;utm_campaign=loading" target="_blank" rel="noopener">A post shared by Only in Florida (@onlyinfloridaa)</a></p> </div> </blockquote> <p>“Ladies and gentlemen, the way you’re going about this with the noise and chaos isn’t going to solve any issues,” one cruise employee explained to the passengers, according to video obtained by Inside Edition.</p> <p>The passengers were given several choices once the cruise line determined the need for an itinerary change, as the cruise line said in a statement. </p> <p>“We communicated directly with guests on board regarding their options for the sailing,” Carnival said.</p> <p>“Those that sailed were given an on-board credit as well as a future cruise credit toward another cruise to make up for the unexpected change, and those who preferred not to sail were offered a 100 per cent refund.” </p> <p>Even with the choice of not cruising to the Bahamas, passengers were still frustrated with Carnival for the last-minute announcement.</p> <p>“They knew about the problem prior to us getting onto the ship,” Ashley Ball told the outlet. “They just didn’t say that until we were already on the ship, and, you know, went through customs and the lines and securities and all that, and then decided to display that information.”</p> <p><em>Image credits: Instagram</em></p>

Travel Trouble

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Fighting for change: how much cash Olympic medallists actually win at Paris 2024

<p>As the world soaks up the glitz and glamour of Paris 2024, athletes are not just eyeing the podium – they're also thinking about the cash they might pocket. Or, in some cases, the cash they might not pocket. Because while the Olympics is a billion-dollar spectacle, the earnings for athletes can range from princely sums to pocket change.</p> <p><strong>Australia: A Gold Medal and a Discount Coupon</strong></p> <p>Let’s start with the Aussies. Winning gold at the Olympics might be the pinnacle of an athlete's career, but for Australian athletes, it also means... $20,000. Yes, you heard that right. In a land where a house deposit will likely cost you a LOT more, Aussie Olympians are basically getting paid in Monopoly money. Silver and bronze medalists get $15,000 and $10,000 respectively. That's enough for a decent holiday, but you might still need a GoFundMe for the flights.</p> <p><strong>Singapore: the million-dollar carrot</strong></p> <p>On the other end of the spectrum, athletes from Singapore are practically diving into pools of gold – like Scrooge McDuck, but in real life. A gold medal will earn them a staggering AU$1.13 million. That’s the kind of money that makes you forget about the gruelling four-year training cycle and instead think about which colour Lamborghini matches your national flag.</p> <p><strong>Hong Kong: fencing your way to riches</strong></p> <p>Hong Kong, not to be outdone, will reward its fencing champion Vivian Kong with AU$1.17 million for her gold. That’s enough to make you consider taking up fencing, even if you’re as coordinated as a baby giraffe.</p> <p><strong>Malaysia and Kazakhstan: cars and apartments</strong></p> <p>In Malaysia, winning athletes might not get cold hard cash, but they do get a new car. And in Kazakhstan, you can literally earn a place to call home – with more rooms depending on the colour of your medal. A gold gets you a penthouse, a silver a two-bedroom, and a bronze... well, maybe a studio with a view of the parking lot.</p> <p><strong>France: host with the most (ish)</strong></p> <p>The host nation, France, offers a more modest reward of $108,000 for a gold medal. That’s enough to cover a year's rent in Paris, or a really good wine collection. But let’s face it, in the land of fine dining, they might just spend it all on cheese.</p> <p><strong>New Zealand, Norway and the UK: the love of the game</strong></p> <p>Athletes from New Zealand, Norway and the UK? Well, they’ll have to make do with a pat on the back and a hearty “well done”, because there’s no financial incentive for winning a medal in these countries. Just the satisfaction of representing your nation, which, as any athlete will tell you, doesn't pay the bills.</p> <p><strong>The United States: the great divide</strong></p> <p>The US offers $37,500 for a gold medal, but that's chump change compared to the endorsement deals top athletes like swimmer Katie Ledecky pull in. She's reportedly earning $1 million a year from swimwear endorsements. Meanwhile, many other American athletes are scraping by, with some earning less than $15,000 a year. That's barely enough for a year's supply of Weet-Bix, let alone world-class training.</p> <p><strong>Jamaica: sharing the love</strong></p> <p>Jamaica’s Olympic team will share a pot of about AU$3,500 each, regardless of their results. It's the ultimate participation trophy – except it’s not enough to buy a trophy, or even a decent pair of running shoes.</p> <p><strong>World Athletics: the global jackpot</strong></p> <p>World Athletics is offering a $3.6 million prize pool for track and field events, with $76,000 per gold medalist. It's a model that some athletes, like Australia’s Arianne Titmus, think other sports should follow. After all, nothing says “thank you for your hard work” like a big, fat cheque.</p> <p>So, whether they’re racing for millions or just a modest thank you, athletes at Paris 2024 will be giving it their all. Because at the end of the day, it's not just about the money. It's about the glory, the honour, and ... well, okay, it’s mostly about the money.</p> <p><em>Images: Instagram \ Shutterstock</em></p>

Money & Banking

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Our obsession with taking photos is changing how we remember the past

<p><em><a href="https://theconversation.com/profiles/giuliana-mazzoni-175429">Giuliana Mazzoni</a>, <a href="https://theconversation.com/institutions/university-of-hull-1191">University of Hull</a></em></p> <p>I recently visited the <a href="http://hermitage--www.hermitagemuseum.org/wps/portal/hermitage/?lng=sv">Hermitage</a> in St Petersburg, Russia – one of the best art museums in the world. I was expecting to serenely experience its masterpieces, but my view was blocked by a wall of smart phones taking pictures of the paintings. And where I could find a bit of empty space, there were people taking selfies to create lasting memories of their visit.</p> <p>For many people, taking hundreds, if not thousands, of pictures is now a crucial part of going on holiday – documenting every last detail and posting it on social media. But how does that affect our actual memories of the past – and how we view ourselves? As an expert on memory, I was curious.</p> <p>Unfortunately, psychological research on the topic is so far scant. But we do know a few things. We use smart phones and new technologies <a href="http://studie-life.de/en/life-reports/smart-payments;%20https://www.researchgate.net/profile/Tim_Fawns/publication/275331048_Blended_Memory_the_Changing_Balance_of_Technologically-mediated_Semantic_and_Episodic_Memory/links/56962c6d08ae820ff07594ee.pdf">as memory repositories</a>. This is nothing new – humans have always used external devices as an aid when acquiring knowledge and remembering.</p> <p>Writing certainly serves this function. Historical records are collective external memories. Testimonies of migrations, settlement or battles help entire nations trace a lineage, a past and an identity. In the life of an individual, written diaries serve a similar function.</p> <h2>Memory effects</h2> <p>Nowadays we tend to commit very little to memory – we entrust a huge amount to the cloud. Not only is it almost unheard of to recite poems, even the most personal events are generally recorded on our cellphones. Rather than remembering what we ate at someone’s wedding, we scroll back to look at all the images we took of the food.</p> <p>This has serious consequences. Taking photos of an event rather than being immersed in it has been shown to lead to <a href="https://theconversation.com/memory-loss-isnt-just-an-old-persons-problem-heres-how-young-people-can-stay-mentally-fit-102352">poorer recall of the actual event</a> – we get distracted in the process.</p> <p>Relying on photos to remember has a similar effect. Memory needs to be exercised on a regular basis in order to function well. There are many studies documenting the importance of memory retrieval practice – <a href="http://citeseerx.ist.psu.edu/viewdoc/download?doi=10.1.1.738.2035&amp;rep=rep1&amp;type=pdf">for example in university students</a>. Memory is and will remain essential for learning. There is indeed some evidence showing that committing almost all knowledge and memories to the cloud <a href="https://www.journals.uchicago.edu/doi/10.1086/691462">might hinder the ability to remember</a>.</p> <p>However, there is a silver lining. Even if some studies claim that all this makes us more stupid, what happens is actually shifting skills from purely being able to remember to being able to manage the way we remember more efficiently. This is called metacognition, and it is an overarching skill that is also essential for students – for example when planning what and how to study. There is also substantial and reliable evidence that external memories, selfies included, <a href="https://www.ncbi.nlm.nih.gov/pubmed/23957379">can help</a> individuals with memory impairments.</p> <p>But while photos can in some instances help people to remember, the quality of the memories may be limited. We may remember what something looked like more clearly, but this could be at the expense of other types of information. One study showed that while photos could help people remember what they saw during some event, they <a href="https://journals.sagepub.com/doi/abs/10.1177/0956797617694868">reduced their memory of what was said</a>.</p> <h2>Identity distortions?</h2> <p>There are some rather profound risks when it comes to personal memory. Our identity is a product of our life experiences, which can be easily accessed through our memories of the past. So, does constant photographic documentation of life experiences alter how we see ourselves? There is no substantial empirical evidence on this yet, but I would speculate that it does.</p> <p>Too many images are likely to make us remember the past in a fixed way – blocking other memories. While it is <a href="https://theconversation.com/what-is-your-first-memory-and-did-it-ever-really-happen-95953">not uncommon for early childhood memories</a> to be based on photos rather than the actual events, these are not always true memories.</p> <p>Another issue is the fact that research has uncovered <a href="https://www.sciencedirect.com/science/article/pii/S0747563216302503;%20http://www.vulture.com/2014/01/history-of-the-selfie.html">a lack of spontaneity in selfies</a> and many other photos. They are planned, the poses are not natural and at times the image of the person is distorted. They also reflect a narcissistic tendency which shapes the face in unnatural mimics – artificial big smiles, sensual pouts, funny faces or offensive gestures.</p> <p>Importantly, selfies and many other photos are also <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC5318447/">public displays</a> of specific attitudes, intentions and stances. In other words, they do not really reflect who we are, they reflect what we want to show to others about ourselves at the moment. If we rely heavily on photos when remembering our past, we may create a distorted self identity based on the image we wanted to promote to others.</p> <p>That said, our natural memory isn’t actually perfectly accurate. Research shows that we often <a href="https://theconversation.com/the-real-you-is-a-myth-we-constantly-create-false-memories-to-achieve-the-identity-we-want-103253">create false memories about the past</a>. We do this in order to maintain the identity that we want to have over time – and avoid conflicting narratives about who we are. So if you have always been rather soft and kind – but through some significant life experience decide you are tough – you may dig up memories of being aggressive in the past or even completely make them up.</p> <p>Having multiple daily memory reports on the phone of how we were in the past might therefore render our memory less malleable and less adaptable to the changes brought about by life – making our identity more stable and fixed.</p> <p>But this can create problems if our present identity becomes different from our fixed, past one. That is an uncomfortable experience and exactly what the “normal” functioning of memory is aimed to avoid – it is malleable so that we can have a non-contradictory narrative about ourselves. We want to think of ourselves as having a certain unchanging “core”. If we feel unable to change how we see ourselves over time, this could seriously affect our sense of agency and mental health.</p> <p>So our obsession with taking photos may be causing both memory loss and uncomfortable identity discrepancies.</p> <p>It is interesting to think about how technology changes the way we behave and function. As long as we are aware of the risks, we can probably mitigate harmful effects. The possibility that actually sends shivers to my spine is that we lose all those precious pictures because of some widespread malfunctioning of our smart phones.</p> <p>So the next time you’re at a museum, do take a moment to look up and experience it all. Just in case those photos go missing.<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/109285/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><em><a href="https://theconversation.com/profiles/giuliana-mazzoni-175429">Giuliana Mazzoni</a>, Professor of Psychology, <a href="https://theconversation.com/institutions/university-of-hull-1191">University of Hull</a></em></p> <p><em>Image credits: Shutterstock </em></p> <p><em>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/our-obsession-with-taking-photos-is-changing-how-we-remember-the-past-109285">original article</a>.</em></p>

Mind

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How sustainable is your weekly grocery shop? These small changes can have big benefits

<div class="theconversation-article-body"><em><a href="https://theconversation.com/profiles/michalis-hadjikakou-129930">Michalis Hadjikakou</a>, <a href="https://theconversation.com/institutions/deakin-university-757">Deakin University</a>; <a href="https://theconversation.com/profiles/carla-archibald-283811">Carla Archibald</a>, <a href="https://theconversation.com/institutions/deakin-university-757">Deakin University</a>; <a href="https://theconversation.com/profiles/ozge-geyik-1402545">Özge Geyik</a>, <a href="https://theconversation.com/institutions/deakin-university-757">Deakin University</a>, and <a href="https://theconversation.com/profiles/pankti-shah-1547393">Pankti Shah</a>, <a href="https://theconversation.com/institutions/deakin-university-757">Deakin University</a></em></p> <p>You might think eating more sustainably requires drastic changes, such as shifting to a <a href="https://theconversation.com/vegan-diet-has-just-30-of-the-environmental-impact-of-a-high-meat-diet-major-study-finds-210152">vegan diet</a>. While a plant-based diet is <a href="https://www.nature.com/articles/s43016-023-00795-w">undeniably</a> good for the Earth, our <a href="https://www.sciencedirect.com/science/article/pii/S2352550924001945#f0025">new research</a> shows modest changes to your eating habits can also have significant environmental benefits.</p> <p>We assessed how food products on Australian supermarket shelves stack up against key environmental indicators, such as carbon emissions and water use.</p> <p>We found swapping the most environmentally harmful foods for more sustainable options within the same food group, such as switching from beef burgers to chicken burgers, can significantly reduce carbon emissions – by up to 96% in some instances.</p> <p>The last thing we want to do is take the pleasure away from eating. Instead, we want to help consumers make realistic dietary changes that also help ensure a sustainable future. So read on to find out which simple food swaps can best achieve this.</p> <h2>Informing sustainable diets</h2> <p>The environmental impact of foods can be estimated using an approach known as a <a href="https://www.cell.com/one-earth/fulltext/S2590-3322(19)30128-9#:%7E:text=In%20this%20Primer%2C%20we%20introduce,cycle%20of%20a%20product%20system.">life-cycle assessment</a>.</p> <p>This involves identifying the “inputs” required along the food supply chain, such as fertiliser, energy, water and land, and tracking them from farm to fork. From this we can calculate a product’s “footprint” – or environmental impact per kilogram of product – and compare it to other foods.</p> <p>Most studies of environmental footprints focus on the raw ingredients that make up food products (such as beef, wheat or rice) rather than the packaged products people see on shelves (such as beef sausages, pasta or rice crackers). Of the studies that do focus on packaged foods, most only consider a fraction of the products available to consumers.</p> <p>What’s more, a lot of research considers only the carbon emissions of food products, excluding other important measures such as water use. And some studies use global average environmental footprints, which <a href="https://www.science.org/doi/10.1126/science.aaq0216">vary significantly</a> between countries.</p> <p>Our research set out to overcome these limitations. We aligned environmental footprints with the products people find on supermarket shelves, and covered a huge range of food and beverage products available in Australia. We also included many environmental indicators, to allow a <a href="https://www.pnas.org/doi/full/10.1073/pnas.2120584119">more complete picture</a> of the sustainability of different foods.</p> <h2>What we did</h2> <p>Key to our research was the <a href="https://www.georgeinstitute.org.au/projects/foodswitch">FoodSwitch database</a>, which compiles food labelling and ingredient data from images of packaged food and beverages. It covers more than 90% of the Australian packaged food market.</p> <p>We combined the database with a <a href="https://www.sciencedirect.com/science/article/pii/S0959652623029748">mathematical method</a> that sums the environmental impact of ingredients, to quantify the footprint of the product as a whole.</p> <p>From this, we estimated the environmental footprint of 63,926 food products available in Australian supermarkets. We then simulated the potential benefits of making “realistic” switches between products – that is, switches within the same food category.</p> <h2>Our findings</h2> <p>The results show how making a small dietary change can have big environmental consequences.</p> <p>For a shopping basket composed of items from eight food groups, we simulate the benefits of swapping from high-impact towards medium- or low-impact food products.</p> <p>Our analysis assumes a starting point from the most environmentally harmful products in each food group – for example, sweet biscuits, cheese and beef burger patties.</p> <p>A shift to the medium-impact foods for all eight items – such as a muffin, yoghurt and sliced meat – can lead to at least a 62% reduction in environmental impact. Shifts towards the most sustainable choice for all items – bread, soy milk or raw poultry – can achieve a minimum 77% reduction.</p> <p>This analysis ends at the supermarket shelves and does not include additional food processing by the consumer. For example, raw meat will usually be cooked before human consumption, which will expand its environmental footprint to varying degrees, <a href="https://www.nature.com/articles/s43016-020-00200-w">depending on the method used</a>.</p> <p>See the below info-graphic for more detail. The full results are available in <a href="https://www.sciencedirect.com/science/article/pii/S2352550924001945">our study</a>.</p> <hr /> <p><iframe id="sR5yB" class="tc-infographic-datawrapper" style="border: 0;" src="https://datawrapper.dwcdn.net/sR5yB/" width="100%" height="400px" frameborder="0" scrolling="no"></iframe></p> <hr /> <h2>What next?</h2> <p>Many people are looking for ways to live more sustainably. Insufficient or complex information can fuel confusion and anxiety in consumers, <a href="https://theconversation.com/reducing-eco-anxiety-is-a-critical-step-in-achieving-any-climate-action-210327">leading to inaction or paralysis</a>. Consumers need more information and support to choose more sustainable foods.</p> <p>Supermarkets and retailers also have an important role to play – for example, by giving sustainable products <a href="https://journals.sagepub.com/doi/10.1177/07439156211008898">prominent shelf placement</a>. Attractive pricing is also crucial – particularly in the midst of a <a href="https://theconversation.com/au/topics/cost-of-living-crisis-115238">cost-of-living crisis</a> when it can be difficult to prioritise sustainability over cost.</p> <p>Government interventions, such as information campaigns and <a href="https://journals.sagepub.com/doi/10.1177/07439156211008898">taxing high-impact products</a>, can also help.</p> <p>Food labelling is also important. The European Union <a href="https://environment.ec.europa.eu/topics/circular-economy/eu-ecolabel/product-groups-and-criteria_en">is leading the way</a> with measures such as the <a href="https://docs.score-environnemental.com/v/en">eco-score</a>, which integrates 14 environmental indicators into a single score from A to E.</p> <p>Apps such as <a href="https://www.georgeinstitute.org/projects/ecoswitch">ecoSwitch</a> can also <a href="https://www.sciencedirect.com/science/article/pii/S1326020024000268?via%3Dihub">empower consumers</a>.</p> <p>The diets of people in developed nations such as Australia <a href="https://theconversation.com/sustainable-shopping-want-to-eat-healthy-try-an-eco-friendly-diet-89086">exert a high toll on our planet</a>. More sustainable food choices are vital to achieving a <a href="https://www.thelancet.com/commissions/EAT">sustainable future for humanity</a>. We hope our research helps kick-start positive change.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><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/234367/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><em><a href="https://theconversation.com/profiles/michalis-hadjikakou-129930">Michalis Hadjikakou</a>, Senior Lecturer in Environmental Sustainability, School of Life and Environmental Sciences, Faculty of Science, Engineering &amp; Built Environment, <a href="https://theconversation.com/institutions/deakin-university-757">Deakin University</a>; <a href="https://theconversation.com/profiles/carla-archibald-283811">Carla Archibald</a>, Research Fellow, Conservation Science, <a href="https://theconversation.com/institutions/deakin-university-757">Deakin University</a>; <a href="https://theconversation.com/profiles/ozge-geyik-1402545">Özge Geyik</a>, Visitor, School of Life and Environmental Sciences, <a href="https://theconversation.com/institutions/deakin-university-757">Deakin University</a>, and <a href="https://theconversation.com/profiles/pankti-shah-1547393">Pankti Shah</a>, PhD student, <a href="https://theconversation.com/institutions/deakin-university-757">Deakin University</a></em></p> <p><em>Image credits: Shutterstock</em></p> <p><em>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/how-sustainable-is-your-weekly-grocery-shop-these-small-changes-can-have-big-benefits-234367">original article</a>.</em></p> </div>

Food & Wine

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Commonly overlooked estate planning matters

<p>Estate planning is a complex business, making it easy to overlook some important considerations, potentially with costly results.</p> <p>Aside from basic issues like forgotten assets (always keep written records) and inaccurate details (double check everything before signing), seven of the most commonly disregarded estate planning matters are as follows:</p> <ol> <li><strong>Wills</strong></li> </ol> <p>Unlike many younger people, for over sixties the more common issue is not the lack of a will, but one which is out of date.</p> <p>Out-of-date wills complicate matters for executors, can delay probate for your beneficiaries, and may not reflect your true wishes (imagine inadvertently leaving everything to your ex or omitting one or more grandkids!).</p> <p>Update your will as your circumstances change – relationships (divorce, new partner etc), births and deaths, adult children getting married or divorced, exiting a business, asset sales, and so on.</p> <p>Retirement often brings its own changes too – e.g. a sea or tree change, new boat or caravan – which also should be updated in your will.</p> <ol start="2"> <li><strong>Letter of wishes</strong></li> </ol> <p>Wills are typically not read until after a funeral. As such, a letter of wishes is a useful addition for loved ones to have accessible immediately after your death.</p> <p>It can cover everything from funeral arrangements, burial vs cremation, and where you wish to be laid to rest to outlining intentions longer term, such as how any underage children are to be raised and educated, or care arrangements for any pets.</p> <ol start="3"> <li><strong>Super beneficiaries</strong></li> </ol> <p>One of the biggest myths about superannuation is that it is covered by your will. </p> <p>Super is treated separately, meaning you must nominate your beneficiaries within your super fund. And update them as circumstances change.</p> <p>This can be useful for blended families – leaving your super to children/grandchildren from a past relationship without encroaching on the assets of your current partner.</p> <p>Without nominating beneficiaries, the funds could go somewhere else entirely – even to government coffers.</p> <ol start="4"> <li><strong>Advanced Health Directive (a ‘living will’)</strong></li> </ol> <p>Estate planning doesn’t just cover your wishes once you’re gone. Yet people often focus solely on this aspect and overlook how they want to be looked after in the event of ill health or injury preventing them from being able to make decisions (e.g. stroke, terminal illness, severe accident).</p> <p>An Advanced Health Directive can express your wishes and values on everything from life support and resuscitation to palliative care, medical treatments, and who you wish to be able to speak on your behalf. </p> <ol start="5"> <li><strong>Insurances</strong></li> </ol> <p>Rarely do people have adequate insurance coverage for their needs.</p> <p>There are insurances in super, which may cover death and permanent disability. Insurance of assets. Income protection insurance. And health insurance.</p> <p>It’s important to right-size your insurance for your current needs and adapt that cover as your circumstances change. That means:</p> <ul> <li>Taking out new policies for new assets and investments.</li> <li>Updating policy inclusions and exclusions, such as relating to age.</li> <li>Cancelling insurances you no longer need (e.g. sold assets or professional indemnity once you retire).</li> </ul> <ol start="6"> <li><strong>Tax implications</strong></li> </ol> <p>Because Australia has no inheritance tax, many people are lulled into a false sense of complicity over tax implications in estate planning matters.</p> <p>However, beneficiaries can be liable for both Capital Gains Tax and income tax on inherited assets – potentially outweighing the value of those assets altogether.</p> <p>Additionally, your own tax status should be considered. For instance, you may be paying more tax by holding an income-producing asset rather than transferring ownership to a loved one before you pass away.</p> <ol start="7"> <li><strong>Tailored professional advice</strong></li> </ol> <p>DIY will kits, self-titled “expert” authors, and avoiding advisers to save money overlook the true value of tailored, professional advice given the complexity of estate planning.</p> <p>You don’t know what you don’t know, meaning the margin for error is huge. And when it comes to money, tax and estate law, errors can be expensive indeed.</p> <p>A good lawyer, accountant and financial adviser can more than pay for themselves by helping you avoid overpaying taxes, complex legal disputes, insufficient asset protections and lost wealth creation opportunities.</p> <p>And given estate planning is ultimately about peace of mind, can you – or your family – really afford to overlook such valuable insight?</p> <p><em>Image credits: Shutterstock</em></p> <p><em><strong>Helen Baker is a licensed Australian financial adviser and author of On Your Own Two Feet: The Essential Guide to Financial Independence for all Women. Helen is among the 1% of financial planners who hold a master’s degree in the field. Proceeds from book sales are donated to charities supporting disadvantaged women and children. Find out more at <a href="http://www.onyourowntwofeet.com.au/">www.onyourowntwofeet.com.au</a> </strong></em></p> <p><em><strong>Disclaimer: The information in this article is of a general nature only and does not constitute personal financial or product advice. Any opinions or views expressed are those of the authors and do not represent those of people, institutions or organisations the owner may be associated with in a professional or personal capacity unless explicitly stated. Helen Baker is an authorised representative of BPW Partners Pty Ltd AFSL 548754.</strong></em></p>

Legal

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How do I plan for my retirement? Step one – start right away

<p><em><a href="https://theconversation.com/profiles/bomikazi-zeka-680577">Bomikazi Zeka</a>, <a href="https://theconversation.com/institutions/university-of-canberra-865">University of Canberra</a></em></p> <p>Planning for retirement is important because it will help you build the nest egg you’ll need to financially sustain your retirement years.</p> <p>Past <a href="https://www.tandfonline.com/doi/epdf/10.1080/03601277.2012.660859?needAccess=true">studies</a> have shown that those who plan for their retirement are more likely to be better off at retirement compared to those don’t.</p> <p>The sooner the planning process gets underway, the better. This gives your money more time to grow by generating investment returns. And the income from your first job is your first opportunity to save for retirement. As the saying goes: “The best time to plant a tree was 20 years ago. The second best time is now.”</p> <p>As people <a href="https://www.statssa.gov.za/?p=15601">can expect to live longer</a>, they must save more for retirement so that they don’t outlive their savings. This is particularly true given that the pensions landscape worldwide has undergone some major changes.</p> <p>In the past, governments and employers provided retirement income for individuals through government social security benefits and employment-based retirement funds. Because of increasing life expectancies, pension plans that guaranteed a retirement benefit to employees are now rare. Employees are now responsible for making contributions towards their own pensions as well as choosing the investments offered by the pension fund.</p> <p>Since employers are no longer responsible for funding their employees’ retirement and governments lack resources to provide a universal state pension, each person is ultimately responsible for ensuring they have enough retirement savings. So it’s very important to know the basics of the retirement planning process.</p> <p>As a researcher, I’m interested in how people use financial products to overcome economic challenges and build wealth. One of the things I investigate is whether planning for retirement leads to better retirement outcomes. For instance, my <a href="https://www.researchgate.net/profile/Bomikazi-Zeka-2/publication/340130176_Retirement_funding_adequacy_in_black_South_African_townships/links/5e8bf3924585150839c6408b/Retirement-funding-adequacy-in-black-South-African-townships.pdf?_sg%5B0%5D=started_experiment_milestone&amp;origin=journalDetail&amp;_rtd=e30%3D">research</a> has found that individuals whose financial affairs are in order are more likely to maintain their standard of living at retirement.</p> <p>Given that everyone’s financial situation is unique, it’s always a good idea to speak to a financial planner for tailored financial advice.</p> <p>If you haven’t given retirement planning much thought or don’t know where to start, here are four points to help get the ball rolling.</p> <h2>What are my retirement goals?</h2> <p>Retirement goals make you think about what you want to achieve by the time you retire and what you need to do to achieve it. Some people may have a goal in mind about when they want to retire, or how much wealth they’d like to have by the time they retire. And since wealth has different meanings for different people, others may think about maintaining or improving their standard of living at retirement.</p> <p>Once you’ve thought about your retirement goals, the <a href="https://corporatefinanceinstitute.com/resources/management/smart-goal/">“smart” goals</a> framework is a useful guide. It outlines that goals should be: specific, measurable, attainable, relevant and time-bound.</p> <p>When goals are clear, within reach, achievable, realistic and time-sensitive, they become a blueprint to help you turn them into a reality.</p> <h2>How do I start saving for retirement?</h2> <p>For those who have a job that comes with retirement fund membership, a workplace pension is used to provide for retirement. But there are also other options available to help you save.</p> <p>For instance, retirement annuity funds are voluntary retirement savings. Personal assets such as <a href="https://www.allangray.co.za/what-we-offer/unit-trust-investment/#fund-3">unit trusts</a> or <a href="https://www.gov.za/faq/money-matters/how-can-i-make-tax-free-investment">tax-free investments</a> can also be used as a savings tool. Unit trusts are generally better suited for people willing to take on risk because their value is tied to the movements of financial markets. In other words, they can generate positive returns but they can also lose value. The drawback of tax-free investments in South Africa is that they have a lifetime contribution limit. You can’t use them to save more than R500,000 (US$27,400).</p> <p>Each of these options has its advantages and disadvantages and what works best for one person may not be best for another. But there are several ways to save for retirement depending on your financial situation and retirement goals. Getting professional advice will help you determine what’s best for you.</p> <h2>Will my retirement savings be enough?</h2> <p>Once you’ve set your retirement goals and have a retirement savings plan in place, you can calculate whether you are saving enough to achieve your retirement goals.</p> <p>For example, if your retirement goal is: “I want to retire at the age of 65 years with an income equivalent to R35,000 (US$1,900) per month” then you can use a <a href="https://www.sanlam.co.za/tools/Pages/retirement.aspx">retirement calculator</a> to track your progress and determine whether you need to make adjustments to meet your goals.</p> <p>You might have to increase the monthly amount you’re putting away for retirement or reconsider your retirement age. The retirement calculators are also a useful tool for regular check-ins on your progress should your financial situation change – for example, if you change employers and earn a different salary.</p> <h2>What other issues should I consider?</h2> <p>It’s also important to think about your lifestyle and priorities.</p> <p>For instance:</p> <ul> <li> <p>do you aim to retire with your mortgage settled?</p> </li> <li> <p>are there debts you plan to clear before you retire or children who need financial support at retirement?</p> </li> <li> <p>would you like to renovate your home?</p> </li> <li> <p>would you like to buy a new car when you reach retirement age?</p> </li> </ul> <p>Another important consideration is healthcare costs. Many people assume that they will be able to work indefinitely and overlook the fact that healthcare costs may increase with age.</p> <h2>Starting early matters</h2> <p>Many people plan to work after retirement age, while others don’t plan to retire at all. It may be that they can’t afford to. They may have accessed their retirement benefits too soon, made inconsistent retirement fund contributions, or had to pay high administrative costs that eroded the final value of a retirement payout.</p> <p>So best be prepared. Retirement may seem like a distant event to plan and save for, especially when there are more pressing financial needs. It’s important to think about the financial decisions you make now that may cost you in the future. If you start to plan for your retirement now, your future self will thank you for it.<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/230553/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><em><a href="https://theconversation.com/profiles/bomikazi-zeka-680577">Bomikazi Zeka</a>, Assistant Professor in Finance and Financial Planning, <a href="https://theconversation.com/institutions/university-of-canberra-865">University of Canberra</a></em></p> <p><em>Image credits: Shutterstock </em></p> <p><em>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/how-do-i-plan-for-my-retirement-step-one-start-right-away-230553">original article</a>.</em></p>

Retirement Income

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Are some routes more prone to air turbulence? Will climate change make it worse? Your questions answered

<div class="theconversation-article-body"><em><a href="https://theconversation.com/profiles/doug-drury-1277871">Doug Drury</a>, <a href="https://theconversation.com/institutions/cquniversity-australia-2140">CQUniversity Australia</a></em></p> <p>A little bit of turbulence is a common experience for air travellers. Severe incidents are rare – but when they occur they can be deadly.</p> <p>The recent Singapore Airlines flight SQ321 from London to Singapore shows the danger. An <a href="https://apnews.com/article/singapore-airlines-flight-turbulence-5a9a268e1a6a6fb9ece7e58b5ea9231b">encounter with extreme turbulence</a> during normal flight left one person dead from a presumed heart attack and several others badly injured. The flight diverted to land in Bangkok so the severely injured passengers could receive hospital treatment.</p> <p>Air turbulence can happen anywhere, but is far more common on some routes than on others.</p> <p>Climate change is expected to boost the chances of air turbulence, and make it more intense. In fact, <a href="https://www.nature.com/articles/s41586-019-1465-z">some research</a> indicates turbulence <a href="https://theconversation.com/aviation-turbulence-soared-by-up-to-55-as-the-world-warmed-new-research-207574">has already worsened</a> over the past few decades.</p> <h2>Where does turbulence happen?</h2> <p>Nearly every flight experiences turbulence in one form or another.</p> <p>If an aircraft is taking off or landing behind another aircraft, the wind generated by the engine and <a href="https://www.faa.gov/air_traffic/publications/atpubs/aim_html/chap7_section_4.html">wingtips</a> of the lead aircraft can cause “wake turbulence” for the one behind.</p> <p>Close to ground level, there may be turbulence due to strong winds associated with weather patterns moving through the area near an airport. At higher altitudes, there may be wake turbulence again (if flying close to another aircraft), or turbulence due to updraughts or downdraughts from a thunderstorm.</p> <p>Another kind of turbulence that occurs at higher altitudes is harder to predict or avoid. So-called “<a href="https://agupubs.onlinelibrary.wiley.com/doi/10.1029/2023gl103814">clear-air turbulence</a>” is invisible, as the name suggests. It is often caused by warmer air rising into cooler air, and is generally expected to get worse due to climate change.</p> <p>At the most basic level turbulence is the result of two or more wind events colliding and creating eddies, or swirls of <a href="https://www.nationalgeographic.com/travel/article/what-is-turbulence-explained">disrupted airflow</a>.</p> <p>It often occurs near mountain ranges, as wind flowing over the terrain accelerates upward.</p> <p>Turbulence also often occurs at the edges of the <a href="https://www.nationalgeographic.com/travel/article/what-is-turbulence-explained">jet streams</a>. These are narrow bands of strong, high-altitude winds circling the globe. Aircraft often travel in the jet streams to get a speed boost – but when entering or leaving the jet stream, there may be some turbulence as it crosses the boundary with the slower winds outside.</p> <h2>What are the most turbulent routes?</h2> <p>It is possible to <a href="https://turbli.com/maps/world-turbulence-map/">map turbulence patterns</a> over the whole world. Airlines use these maps to plan in advance for alternate airports or other essential contingencies.</p> <figure class="align-center zoomable"><a href="https://images.theconversation.com/files/595676/original/file-20240522-21-ippmyt.png?ixlib=rb-4.1.0&q=45&auto=format&w=1000&fit=clip"><img src="https://images.theconversation.com/files/595676/original/file-20240522-21-ippmyt.png?ixlib=rb-4.1.0&q=45&auto=format&w=754&fit=clip" sizes="(min-width: 1466px) 754px, (max-width: 599px) 100vw, (min-width: 600px) 600px, 237px" srcset="https://images.theconversation.com/files/595676/original/file-20240522-21-ippmyt.png?ixlib=rb-4.1.0&q=45&auto=format&w=600&h=430&fit=crop&dpr=1 600w, https://images.theconversation.com/files/595676/original/file-20240522-21-ippmyt.png?ixlib=rb-4.1.0&q=30&auto=format&w=600&h=430&fit=crop&dpr=2 1200w, https://images.theconversation.com/files/595676/original/file-20240522-21-ippmyt.png?ixlib=rb-4.1.0&q=15&auto=format&w=600&h=430&fit=crop&dpr=3 1800w, https://images.theconversation.com/files/595676/original/file-20240522-21-ippmyt.png?ixlib=rb-4.1.0&q=45&auto=format&w=754&h=541&fit=crop&dpr=1 754w, https://images.theconversation.com/files/595676/original/file-20240522-21-ippmyt.png?ixlib=rb-4.1.0&q=30&auto=format&w=754&h=541&fit=crop&dpr=2 1508w, https://images.theconversation.com/files/595676/original/file-20240522-21-ippmyt.png?ixlib=rb-4.1.0&q=15&auto=format&w=754&h=541&fit=crop&dpr=3 2262w" alt="Map showing air turbulence." /></a><figcaption><span class="caption">A map of estimated clear-air turbulence around the world, current as of 3:00PM AEST (0500 UTC) on May 22 2024.</span> <span class="attribution"><a class="source" href="https://turbli.com/maps/world-turbulence-map/">Turbli</a></span></figcaption></figure> <p>While turbulence changes with weather conditions, some regions and routes are more prone to it than others. As you can see from the list below, the majority of the most turbulent routes travel close to mountains.</p> <p><iframe id="EktuH" class="tc-infographic-datawrapper" style="border: none;" src="https://datawrapper.dwcdn.net/EktuH/2/" width="100%" height="400px" frameborder="0"></iframe></p> <p>In Australia, the <a href="https://turbli.com/historical-data/most-turbulent-flight-routes-of-2023/">highest average turbulence in 2023</a> occurred on the Brisbane to Sydney route, followed by Melbourne to Sydney and Brisbane to Melbourne.</p> <h2>Climate change may increase turbulence</h2> <p>How will climate change affect the future of aviation?</p> <p>A <a href="https://agupubs.onlinelibrary.wiley.com/doi/full/10.1029/2023GL103814">study published last year</a> found evidence of large increases in clear-air turbulence between 1979 and 2020. In some locations severe turbulence increased by as much as 55%.</p> <figure class="align-center zoomable"><a href="https://images.theconversation.com/files/595683/original/file-20240522-17-p2zdrt.png?ixlib=rb-4.1.0&q=45&auto=format&w=1000&fit=clip"><img src="https://images.theconversation.com/files/595683/original/file-20240522-17-p2zdrt.png?ixlib=rb-4.1.0&q=45&auto=format&w=754&fit=clip" sizes="(min-width: 1466px) 754px, (max-width: 599px) 100vw, (min-width: 600px) 600px, 237px" srcset="https://images.theconversation.com/files/595683/original/file-20240522-17-p2zdrt.png?ixlib=rb-4.1.0&q=45&auto=format&w=600&h=253&fit=crop&dpr=1 600w, https://images.theconversation.com/files/595683/original/file-20240522-17-p2zdrt.png?ixlib=rb-4.1.0&q=30&auto=format&w=600&h=253&fit=crop&dpr=2 1200w, https://images.theconversation.com/files/595683/original/file-20240522-17-p2zdrt.png?ixlib=rb-4.1.0&q=15&auto=format&w=600&h=253&fit=crop&dpr=3 1800w, https://images.theconversation.com/files/595683/original/file-20240522-17-p2zdrt.png?ixlib=rb-4.1.0&q=45&auto=format&w=754&h=318&fit=crop&dpr=1 754w, https://images.theconversation.com/files/595683/original/file-20240522-17-p2zdrt.png?ixlib=rb-4.1.0&q=30&auto=format&w=754&h=318&fit=crop&dpr=2 1508w, https://images.theconversation.com/files/595683/original/file-20240522-17-p2zdrt.png?ixlib=rb-4.1.0&q=15&auto=format&w=754&h=318&fit=crop&dpr=3 2262w" alt="A map of the world with different areas shaded in red." /></a><figcaption><span class="caption">A map showing changes in the chance of clear-air turbulence across the globe between 1979 and 2020. Darker red indicates a higher chance of turbulence.</span> <span class="attribution"><a class="source" href="https://agupubs.onlinelibrary.wiley.com/doi/full/10.1029/2023GL103814">Prosser et al. (2023), Geophysical Research Letters</a></span></figcaption></figure> <p>In 2017, a <a href="https://agupubs.onlinelibrary.wiley.com/doi/10.1002/2017GL074618">different study used climate modelling</a> to project that clear-air turbulence may be four times as common as it used to be by 2050, under some climate change scenarios.</p> <h2>What can be done about turbulence?</h2> <p>What can be done to mitigate turbulence? <a href="https://safetyfirst.airbus.com/optimum-use-of-weather-radar/">Technology to detect turbulence</a> is still in the research and development phase, so pilots use the knowledge they have from weather radar to determine the best plan to avoid weather patterns with high levels of moisture directly ahead of their flight path.</p> <p>Weather radar imagery shows the pilots where the most intense turbulence can be expected, and they work with air traffic control to avoid those areas. When turbulence is encountered unexpectedly, the pilots immediately turn on the “fasten seatbelt” sign and reduce engine thrust to slow down the plane. They will also be in touch with air traffic control to find better conditions either by climbing or descending to smoother air.</p> <p>Ground-based meteorological centres can see weather patterns developing with the assistance of satellites. They provide this information to flight crews in real time, so the crew knows the weather to expect throughout their flight. This can also include areas of expected turbulence if storms develop along the intended flight route.</p> <p>It seems we are heading into more turbulent times. Airlines will do all they can to reduce the impact on planes and passengers. But for the average traveller, the message is simple: when they tell you to fasten your seatbelt, you should listen.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><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/230666/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><a href="https://theconversation.com/profiles/doug-drury-1277871"><em>Doug Drury</em></a><em>, Professor/Head of Aviation, <a href="https://theconversation.com/institutions/cquniversity-australia-2140">CQUniversity Australia</a></em></p> <p><em>Image credits: Shutterstock</em></p> <p><em>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/are-some-routes-more-prone-to-air-turbulence-will-climate-change-make-it-worse-your-questions-answered-230666">original article</a>.</em></p> </div>

Travel Trouble

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How one widow has changed how women solo travel

<p>After Yvonne Vickers' husband passed away in 2014, she thought her opportunities to travel and see the world had slipped away. </p> <p>Yvonne had always been a keen traveller and went on trips with her married friends after becoming a widow, but she "got over being the third wheel", she admitted to <a href="https://travel.nine.com.au/latest/cruising-solo-female-older-passengers/9553953c-84e8-418a-9c2b-8c9b847b9ba4" target="_blank" rel="noopener"><em>9Travel</em></a>. </p> <p>Still wanting to see the world on her own terms, Yvonne took to Facebook where she created a group seeking like-minded women who share her passion for adventure. </p> <p>Now, the Find A Female Cruise or Travel Buddy is an ever-growing group that has connected thousands of women looking for travel companions. </p> <p>Whether they're single, widowed, or just married to someone who doesn't want to travel, the group is open to women across the globe to join.</p> <p>Thanks to her newfound community, Yvonne has taken 41 cruises and dozens of land trips since her husband's death, all while making friends for life, and the rest of the group's members are in the same boat.</p> <p>"It's wonderful to get feedback from ladies saying that it's helped to change their life," Yvonne said. "That's the rewarding part of it for me."</p> <p>Members can make a post in the group, detailing a cruise sailing or trip that they have their eye on booking, to see if anyone else would like to join them.</p> <p>"We have a lot of widows in our group who are cashed up and want to travel but don't have anyone to travel with or share their experiences with," Yvonne said. "The group gives them the opportunity to be able to do that."</p> <p>"There are also a lot of ladies who are married but their husbands don't want to travel. It gives them the opportunity to be able to travel."</p> <p>Yvonne says that cruising is a perfect way for older females to travel, especially if they're on their own.</p> <p>"It's a really safe way to travel as a solo female," she says, also noting that it's an easy way to get around and see places. Recently, she did a 35-day trip around Hawaii with a group of women from the group.</p> <p>For the Find A Female Cruise or Travel Buddy group, there's even more fun trips on the horizon.</p> <p>Yvonne just came back from a trip to Japan with 14 group members, and is heading to Bali in August with a friend she made through the group.</p> <p><em>Image credits: Nine News \ Facebook</em></p>

Cruising

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Battling to make ends meet? Financial planning expert offers 5 tips on how to build your budget

<p><em><a href="https://theconversation.com/profiles/bomikazi-zeka-680577">Bomikazi Zeka</a>, <a href="https://theconversation.com/institutions/university-of-canberra-865">University of Canberra</a></em></p> <p>Every day seems to bring new headlines about rising costs. <a href="https://www.news24.com/news24/africa/news/nigerias-big-unions-call-indefinite-strike-over-fuel-prices-and-the-cost-of-living-20230926">In Nigeria</a>, unions are threatening to strike amid soaring fuel prices; the country’s inflation rate <a href="https://www.cbn.gov.ng/rates/inflrates.asp">hit 25%</a> in August. The amount it costs to fill a food basket in South Africa <a href="https://pmbejd.org.za/wp-content/uploads/2023/09/PMBEJD_Key-Data_September-2023_27092023.pdf">keeps climbing</a>. Ghanaians <a href="https://www.reuters.com/world/africa/multi-day-protests-over-economic-crisis-grip-ghanas-capital-2023-09-23/">took to the streets</a> of Accra in late September to protest about the cost of living.</p> <p>A <a href="https://www2.deloitte.com/us/en/insights/industry/retail-distribution/consumer-behavior-trends-state-of-the-consumer-tracker.html">recent study by the audit and consulting firm Deloitte</a> found that 75% of South Africans were concerned that the prices for everyday purchases would continue to increase, while 80% of consumers across all income groups expected the prices of groceries, household utilities and fuel to rise.</p> <p>This stark reality means budgeting may be more necessary than ever.</p> <p>If you don’t know how to create a budget, then you shouldn’t feel bad – most adults aren’t taught how to create one. And most people don’t budget, because they see it as restrictive or unsustainable. But it need not be: once you appreciate that a budget can work for you, it can be a financially empowering exercise. It’s a cornerstone of financial planning because it ensures you are living within your means and helps you remain in financial control.</p> <p>As a financial planning academic, I focus in <a href="https://researchprofiles.canberra.edu.au/en/persons/bomikazi-zeka/publications/">my research</a> on improving financial wellbeing and promoting savings behaviours through interventions such as budgeting. Here are five guidelines for creating a budget.</p> <h2>1. Apps vs spreadsheet</h2> <p>A good place to start is to choose the format of how you’re going to budget. There are several <a href="https://www.sanlamreality.co.za/wealth-sense/setting-up-a-family-budget-that-works/">online templates</a> and apps you can use for budgeting. For instance, <a href="https://www.22seven.com/">22Seven</a> has gained popularity in South Africa due to its compatibility with several financial institutions, including the country’s big five banks. Similarly, <a href="https://www.the-star.co.ke/business/kenya/2021-01-25-budgeting-using-mint-app/">Mint</a> is a popular budgeting tool that is used in Kenya and Nigeria.</p> <p>If you prefer to put pen to paper, some online templates come with <a href="https://www.wonga.co.za/blog/free-budget-template">free printable budgets</a>. Creating your own <a href="https://create.microsoft.com/en-us/learn/articles/how-to-make-excel-budget">Excel spreadsheet</a> is an equally good approach.</p> <p>What matters most is using a tool that you can commit to.</p> <h2>2. Itemising your income and expenses</h2> <p>A budget essentially shows how much you’re spending in relation to how much you’re earning. So once you have selected your budgeting tool, you need to fill in your income and itemise how much you’re spending on each expense in a month. A budget can be considered a cashflow statement because it allows you to track money coming in (income) and money going out (expenses).</p> <p>If you are living within your means, your budget should indicate a surplus – more cash inflows than cash outflows. So budgeting provides an accurate account of your short-term financial position.</p> <h2>3. A realistic account of expenses</h2> <p>When you look at your financial statements, fill your expenses into your budget honestly and accurately. Don’t cheat! Since everyone’s financial situation is different, your budget will also be unique.</p> <p>Even though there is no one-size-fits-all approach to budgeting, it should still consider all of your expenses (both regular and intermittent). A general rule of thumb is that if it’s deducted from your account then you should treat it as an expense. This includes payments for housing, medical insurance, fuel, dining out, credit card repayments and even bank fees.</p> <h2>4. Save first, spend later</h2> <p>Now you’ve seen how much you’re spending. Either it’s too much – and you can plan where to cut back – or you have savings at the end of the month.</p> <p>When compiling your budget it’s important to demarcate how much will be in the form of savings. What’s more important is getting into the habit of saving before you spend instead of saving after spending. If you spend first then you’ve deprived yourself of the opportunity to save for a rainy day.</p> <p>Furthermore, <a href="https://eprints.hud.ac.uk/id/eprint/10231/1/Microsoft_Word_-_submitted_version_3rd_June_201.pdf">research</a> has shown that getting into the habit of saving has a transgenerational effect: it can be considered a cultural value that is passed on from one generation to another. So think of saving as paying yourself first. Once you have done so, you won’t feel guilty for treating yourself because you’ve already done the financially responsible thing by putting your savings aside.</p> <h2>5. Considering assets and liabilities</h2> <p>Once you’ve become comfortable with consistently budgeting, you can take it up a notch by including your assets (everything you own with an economic value) and liabilities (everything you owe) to determine your overall financial position.</p> <p>You can get a clearer picture of your overall financial wellbeing by compiling a list of all your assets, for example your savings and <a href="https://www.investopedia.com/terms/h/home_equity.asp">home equity</a>, in relation to liabilities (such as bank loans). Knowing your long-term financial position can indicate how financially resilient or vulnerable you are. In the event of a financial emergency, you will know which resources you can draw upon to meet an unexpected expense.</p> <p>By creating a budget (and sticking to it), you can protect yourself and your household from financial shocks. Consider the alternative. Imagine you haven’t budgeted and set savings aside. If a financial emergency were to arise, your next best bet would be to borrow the funds you need. You’d have to come up with a plan to repay what you’d borrowed while also building your savings.</p> <h2>A healthy habit</h2> <p>Getting into the habit of budgeting isn’t easy, especially if you haven’t done it before or you’re intimidated by the process. But, as the expression goes, “a journey of a thousand miles begins with a single step”. Think of budgeting as taking a small but important step towards reclaiming control over your finances and improving your financial well-being.<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/214861/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><em><a href="https://theconversation.com/profiles/bomikazi-zeka-680577">Bomikazi Zeka</a>, Assistant Professor in Finance and Financial Planning, <a href="https://theconversation.com/institutions/university-of-canberra-865">University of Canberra</a></em></p> <p><em>Image credits: Getty Images </em></p> <p><em>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/battling-to-make-ends-meet-financial-planning-expert-offers-5-tips-on-how-to-build-your-budget-214861">original article</a>.</em></p>

Money & Banking

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How music is changing the way dementia patients think

<p dir="ltr">New research has proven that music truly is the universal language, with experts discovering how the power of music is helping those suffering with dementia. </p> <p dir="ltr">Music therapists have shown that music brings dementia patients back to the present, with some even finding their voice thanks to the nostalgic memories of the past. </p> <p dir="ltr">According to Registered Music Therapist and Managing Director of music therapy company Music Beat, Dr Vicky Abad, the power of music is not to be overlooked when it comes to degenerative diseases.</p> <p dir="ltr">“Music is a window into people’s pasts,” she said. “It builds on strengths and abilities against a disease that can strip a person of their dignity, abilities and quality of life.”</p> <p dir="ltr">The team at <a href="https://www.tricare.com.au/">TriCare Aged Care and Retirement</a>, who see the devastating impact of dementia each and every day,  also experience first-hand the impact music has on residents, with many noticing “unrecognisable” changes in personality when a nostalgic tune is played.</p> <p dir="ltr">Louis Rose, an 80-year-old dementia patient and TriCare resident, was diagnosed with dementia six years ago, and requires assistance with many aspects of day to day life. </p> <p dir="ltr">However, listening to music is one thing he can enjoy on his own.</p> <p dir="ltr">“I grew up in Mauritius and while we didn’t have a lot, we certainly had music. Listening to music has always been an escape for me and a way to relax,” Mr Rose said.</p> <p dir="ltr">“When your brain starts to slow down and you find yourself forgetting things, it can be quite frustrating and confusing. Listening to music has been a way to distract myself from what’s going on in my head, it has helped me so much.”</p> <p dir="ltr">Tamsin Sutherland is a regular live music performer at TriCare facilities across Queensland, and has been able to witness incredible moments with the residents as they come alive as soon as she starts to play. </p> <p dir="ltr">“Watching residents who are often non-verbal sing along to the words is incredible,” she said “It really is like they are coming back to life and reconnecting with who they once were. To be part of that is quite emotional for me.”</p> <p dir="ltr">According to Dr Abad, music can help prevent the restless behaviour that often leads to pacing and wandering, especially in the evenings, which are often difficult times for those battling the disease. </p> <p dir="ltr">“Sundowning usually occurs in the late afternoon as dusk approaches, a time that is also associated with what used to be a busy time period in people’s lives,” she noted. </p> <p dir="ltr">“Personalised music is a simple and effective tool to help residents feel validated in their emotions during this time and provides them an opportunity to experience a calmer state of mind”.</p> <p dir="ltr"><em>Image credits: Getty Images </em></p>

Mind

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King Charles makes historic change to Balmoral

<p>King Charles has made a historic change to Balmoral for the first time ever, allowing the public for an exclusive look inside the royal residence. </p> <p>Later this year, the King will allow public tours of the Scottish castle, with small group tours available to be led by expert royal guides. </p> <p>Those being shown around the royal residence will get a unique glimpse in several rooms used by the King and Queen.</p> <p>A source close to the royal family said the initiative was in line with the King's wish to make royal residences more accessible to the public.</p> <p>It also reflects Charles' comments made after Queen Elizabeth's death, that the house had been earmarked as a place for the public to remember her.</p> <p>While Balmoral holds a lot of historical importance, the Scottish residence is not set up to handle a large influx of tourists. </p> <p>As a result, a month-long tour programme to begin in July will serve as a trial period to see how the castle and staff copes with increased footfall.</p> <p>Until now, the interior of the vast castle has largely remained out of bounds to members of the public, with tours limited to just the ballroom, the grounds and the gardens.</p> <p>The Balmoral estate announced the tours on Tuesday on its <a href="https://www.balmoralcastle.com" target="_blank" rel="noopener">website</a>, stating, "For the first time since the castle was completed in 1855, we have been granted permission to take you on a private tour with our experienced guides."</p> <p>"They will take you on a historical journey through several of the beautiful rooms within Balmoral Castle. You will learn about the origins of the Castle and how it has been loved by generations of the Royal family."</p> <p>"You will see why Balmoral is such a special place - the much loved and celebrated Highland home of the Royal family."</p> <p>Only forty tickets each day will be sold for the "castle interior tour" for £100 ($193 AUD), or £150 ($289 AUD) if afternoon tea is included.</p> <p>The tours will take place from July 1st until August 4th, before the King and Queen arrive for their annual break. </p> <p>The season begins later this year due to the refurbishment of the restaurant but if successful, the opening hours will likely be extended in the future.</p> <p><em>Image credits: Getty Images </em></p>

International Travel

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Clive Palmer's plans to build Titanic II resurface

<p>Just when you thought we'd exhausted all of the possible billionaire pet projects, Clive Palmer, the Queensland mining magnate with pockets deeper than the Mariana Trench, has once again proven us wrong.</p> <p>For more than a decade now, Palmer has harboured a peculiar obsession: resurrecting the ghost of the <em>Titanic</em>, the world's most infamous maritime disaster.</p> <p>Palmer wants to build <em>Titanic II</em>, because when you've got more money than you can count, why not embark on a maritime venture that's already synonymous with catastrophe?</p> <p>Palmer, with the audacity only wealth can afford, has been pushing for this <em>Titanic</em> replica since 2012. Not content with merely one failed attempt, he launched the project again in 2018. Now, after another six years and a global pandemic, he's dusting off his captain's hat and setting sail once more, announcing the <em>Titanic II</em>'s re-launch at the Sydney Opera House (because when you're Clive Palmer, a press conference venue like the local community centre just doesn't cut it).</p> <p>But why, you may ask? According to Palmer himself, it's a simple matter of economics: "I’ve got two options, either give my wife more money for shopping or spend it on the <em>Titanic</em> and I’m spending it on the Titanic because she’s shopped enough."</p> <p>Ah, yes, the age-old dilemma of whether to buy your spouse another designer handbag or fund a one-billion-dollar replica of a ship that sank over a century ago. We've all been there.</p> <p>Despite the naysayers who dismissed Palmer's dream as nothing more than the folly of a rich eccentric, he remains undeterred. Now, with the pandemic in the rearview mirror and cruise ships once again cruising, Palmer sees this as the perfect time to resurrect his <em>Titanic</em> dream. Because what better way to celebrate the end of a global health crisis than by building a monument to maritime tragedy?</p> <p>Palmer assures us that this time around, things will be different. The plans are similar to previous iterations, but now they comply with current regulations. Tenders are being sought, with plans to confirm a shipbuilder by year's end with the intention of setting sail by 2027.</p> <p>And what can prospective passengers expect from this seafaring spectacle? Well, according to Palmer's team, an eight-minute video featuring period costumes and a layout straight out of the early 1900s. Passengers will even be encouraged to dress the part (though that's not compulsory; nothing screams "fun vacation" like wearing corsets and three-piece suits in the middle of the ocean).</p> <p>But fear not, third-class passengers, you won't be left out of this <em>Titanic</em> experience. You'll get to enjoy stew and mash at communal dining tables, just like the good old days. Although, for those who prefer their meals without a side of historical accuracy, other options will be available. </p> <p>In amongst of all this, Palmer has grandiose visions of <em>Titanic II</em> as a symbol of world peace. “We all know how to make war," he announced at the press launch. "We get armies and we fund wars. People know about that. But it is a lot harder to make peace. To make peace you have got to stick with it every day. You progress inch by inch.</p> <p>“<em>Titanic ll</em> is something that can provide peace. It can be a ship of peace between all countries of the world. Millions have dreamt of sailing on her, seeing her in port and experiencing her unique majesty. <em>Titanic ll</em> will be the ship where those dreams come true.”</p> <p>So, as Palmer sets sail on his quixotic quest to recreate history, we can't help but wonder: Is <em>Titanic II</em> a testament to human ingenuity or just another billionaire's folly? Only time will tell. But if history has taught us anything, it's that sometimes, even the grandest dreams can end up at the bottom of the ocean.</p> <p><em>Images: Rod Eime / Wikimedia</em></p>

Cruising

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Why our voices change as we get older

<p><em><a href="https://theconversation.com/profiles/adam-taylor-283950">Adam Taylor</a>, <a href="https://theconversation.com/institutions/lancaster-university-1176">Lancaster University</a></em></p> <p>Sir Elton John set a record at this year’s Glastonbury, becoming the <a href="https://www.independent.co.uk/arts-entertainment/music/news/elton-john-glastonbury-viewing-record-b2364260.html">most-watched headliner</a> in the festival’s history, with more than 7 million people tuning in live to the BBC to watch his last ever UK performance.</p> <p>The 76-year-old singer certainly delivered all his characteristic showmanship. But many who have followed his music over the decades will have noticed how much his voice has changed during his career – and not only because of the <a href="https://www.billboard.com/music/music-news/a-qa-with-elton-john-65620/">surgery he had</a> in the 1980s to <a href="https://ultimateclassicrock.com/elton-john-throat-surgery/">remove polyps</a> from his vocal cords.</p> <p>Equally, it’s not all down to the process of ageing. While it’s no mystery that this affects every part of our body, it isn’t the only reason that a person’s voice – even a professional singer like Sir Elton – can sound quite different over the years.</p> <h2>The sound of your voice</h2> <p>The vocal cords are what produce the sound of your voice. They are located in the <a href="https://www.ncbi.nlm.nih.gov/books/NBK538202/">larynx</a>, a part of the respiratory system that allows air to pass from your throat to your lungs. When air passes out of the lungs and through the larynx, it causes the vocal cords to vibrate – <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC5412481/">producing sound</a>.</p> <p>The vocal cords are composed of <a href="https://www.kenhub.com/en/library/anatomy/vocal-cords">three main parts</a>: the vocalis muscle, vocal ligament, and a mucous membrane (containing glands) to cover them. This keeps the surface moist and <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC2810851/">protects them from damage</a>.</p> <p>There are also approximately <a href="https://radiopaedia.org/articles/intrinsic-muscles-of-the-larynx?lang=gb">17 other muscles</a> in the larynx that can alter vocal cord position and tension – thus changing the sound produced.</p> <p>Pre-puberty, there’s very little difference in the sound the vocal cords produce. But during puberty, hormones begin exerting their effects. This changes the structure of the larynx – making the “Adam’s apple” more prominent in men – and the <a href="https://www.sciencedirect.com/science/article/abs/pii/S0018506X16301271?via%3Dihub">length of the vocal cords</a>. After puberty, they’re around 16mm in length in men, and 10mm in women.</p> <p>Women’s vocal cords are also <a href="https://pubs.aip.org/asa/jasa/article/82/S1/S90/719336/Physiology-of-the-female-larynx">20-30%</a> thinner after puberty. These shorter, thinner vocal cords are the reason why women typically have <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC3306615">higher voices</a> than men.</p> <p>Even after puberty, hormones can affect the voice. For instance, a woman’s voice may sound different depending on the stage of her menstrual cycle – with the <a href="https://www.jvoice.org/article/S0892-1997(08)00169-0/fulltext">best voice quality</a> being in the ovulatory phase. This is because the glands produce most mucous during this phase, giving the vocal cords their best functional ability.</p> <p>Research also shows that women taking the contraceptive pill show <a href="https://www.sciencedirect.com/science/article/abs/pii/S0892199717304940">less variation in voice quality</a> because the pill halts ovulation.</p> <p>On the other hand, hormonal changes during the premenstrual phase impede the vocal cords, making them stiffer. This may explain why opera singers would be offered “<a href="https://www.sciencedirect.com/science/article/abs/pii/S0892199717301133">grace days</a>” in the 1960s to ensure they didn’t damage their vocal cords. And, because <a href="https://www.asha.org/practice-portal/clinical-topics/voice-disorders/#collapse_1">women’s vocal cords</a> are thinner, they may also be more likely to <a href="https://pubmed.ncbi.nlm.nih.gov/15157130/">suffer damage</a> from overuse.</p> <h2>Everything ages</h2> <p>As with almost every other part of the body, vocal cords age. But these changes might not be as <a href="https://www.sciencedirect.com/science/article/pii/S0892199721000011">noticeable for everyone</a>.</p> <p>As we get older, the larynx begins increasing its <a href="https://www.sciencedirect.com/science/article/abs/pii/S1752928X21001840">mineral content</a>, making it stiffer and more like bone than cartilage. This change can begin happening as early as <a href="https://meridian.allenpress.com/angle-orthodontist/article/75/2/196/57743/Ossification-of-Laryngeal-Cartilages-on-Lateral">your thirties</a> – especially in men. This makes the vocal cords less flexible.</p> <p>The muscles that allow the vocal cords to move also <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC6166195/">begin wasting</a> (as do our other muscles) as we age. The ligaments and tissues that support the vocal cords also <a href="https://pubmed.ncbi.nlm.nih.gov/11800365/">lose elasticity</a>, becoming <a href="https://pubmed.ncbi.nlm.nih.gov/25645525/">less flexible</a>.</p> <p>There’s also a decrease in <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC2695176/">pulmonary muscle function</a>, reducing the power of the air expelled from the lungs to create the sound. The number of glands that produce the protective mucus also decrease, alongside a reduction in the ability to <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC10156980/">control the larynx</a>.</p> <h2>Lifestyle is a factor</h2> <p>While vocal cords age at largely the same rate in most people, many lifestyle factors can increase the risk of damage to them – and so can change the way your voice sounds.</p> <p>Smoking, for example, causes <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC3918293/">localised inflammation</a>, increased <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC4824943/">mucous production</a>, but can also <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC4557797/">dry out</a> the mucosal surfaces. Alcohol has a <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC6166195/">similar effect</a>. Over time, these factors can damage the vocal cords and alter the voice’s sound.</p> <p>Some over-the-counter and prescription drugs can also alter the voice – such as <a href="https://jamanetwork.com/journals/jamaotolaryngology/fullarticle/482932">steroid inhalers used for laryngitis</a>. Blood thinners may also <a href="https://pubmed.ncbi.nlm.nih.gov/10875579/">damage the vocal cords</a> and can cause polyps to form, making the voice sound raspy or hoarse. <a href="https://pubmed.ncbi.nlm.nih.gov/7395839/">Muscle relaxants</a>, too, can lead to irritation and vocal cord damage due to the drug allowing stomach acid to wash back into the larynx. Thankfully, the irritation and changes caused by these medications typically disappears after stopping use.</p> <p>One other lifestyle factor can be overuse, which is typically seen in singers and other people who use their voice a lot <a href="https://pubmed.ncbi.nlm.nih.gov/15157130/">during work</a>, such as teachers and fitness instructors. This can lead to an uncommon condition called <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC9392404/">Reinke’s oedema</a>, which can also be caused by smoking. Reinke’s oedema causes fluid to swell in the vocal cords, changing the pitch of the voice – often <a href="https://www.cuh.nhs.uk/patient-information/reinkes-oedema/">making it deeper</a>.</p> <p>In extreme cases of Reinke’s oedema, <a href="https://link.springer.com/article/10.1007/s00405-022-07377-9">surgery is needed</a> to drain the fluid. But in most cases, rest and avoiding irritants (smoking and alcohol) is beneficial, while speech and language therapy can also address the <a href="https://onlinelibrary.wiley.com/doi/abs/10.1111/j.1460-6984.1995.tb01660.x">change in sound</a>.</p> <h2>Maintaining our vocal quality</h2> <p>While we can’t help some of the age-related changes that happen to our vocal cords, we can maintain some of our vocal quality and ability through continued use. This may explain why, in many cases, singers show <a href="https://pubmed.ncbi.nlm.nih.gov/27049451/">significantly less vocal change</a> with age than their non-singing counterparts.</p> <p>Singing or <a href="https://www.aarp.org/health/healthy-living/info-2014/improve-aging-voice.html">reading out</a> loud daily can give the vocal cords sufficient exercise to slow their decline.</p> <p><a href="https://www.nidcd.nih.gov/health/taking-care-your-voice">Looking after</a> your vocal cords is also important. Staying hydrated and limiting intake of <a href="https://www.cuh.nhs.uk/patient-information/presbyphonia/">alcohol</a> and <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC7069957/">tobacco</a> can help prevent high rates of decline and damage.<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/208640/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><a href="https://theconversation.com/profiles/adam-taylor-283950"><em>Adam Taylor</em></a><em>, Professor and Director of the Clinical Anatomy Learning Centre, <a href="https://theconversation.com/institutions/lancaster-university-1176">Lancaster University</a></em></p> <p><em>Image credits: Getty Images </em></p> <p><em>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/why-our-voices-change-as-we-get-older-208640">original article</a>.</em></p>

Body