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Readers response: What’s the most interesting cultural experience you've had while travelling?

<p>When travelling abroad, we are often exposed to new and fascinating cultures that can open our eyes to different ways of life.</p> <p>We asked our readers to share the most interesting cultural experience they've had while travelling, and the response was overwhelming. Here's what they said.</p> <p><strong>Sandra Beckett</strong> - Staying overnight in a Ger in Mongolia miles from anywhere, listening to Throat singing accompanied by two traditionally dressed musicians playing Horsehead fiddles. Also, travelling across Russia by train, visiting the Galapagos islands, Skara Brae in the Orkneys, the Hagia Sophia in Istanbul.</p> <p><strong>Denise Ryan</strong> - Listening to glorious classical music played in Havana’s Plaza de la Catedral and attending a stunning performance of Swan Lake in the Grand Theatre of Havana.</p> <p><strong>Deedee Cullum</strong> - Visiting Ypres in Belgium and staying the night so we could see the evening ceremony at the Menin gate.</p> <p><strong>Alison Davenport</strong> - 50 years ago visiting a Fijian village made me realise everyone didn't live like I did. Have been amazed at all travel experiences since.</p> <p><strong>Glenn Turton</strong> - Staying in a farmhouse in Normandy for a week. Visiting D-Day beaches and Mont St Michel from there and local villages and markets on the days between. Back to the farmhouse each night to cook local produce and sit by an open fire.</p> <p><strong>Karen Psaila</strong> - Sitting in a small ally sipping black sweet tea in Egypt looking at the pyramids and sphinx whilst camels are strolling by. Amazing.</p> <p><strong>Patricia Watson</strong> - Darwin. Spending a day with First Nation Women and Children in the bush and learning about food that grows and is edible in that area.</p> <p><strong>James Langabeer</strong> - This are my three top three most interesting cultural experiences.</p> <p>1. Japan's Tea Ceremony: Attending a traditional tea ceremony in Kyoto, Japan, where I learned about the intricate rituals and Zen Buddhism's influence.</p> <p>2. Indian Holi Festival: Celebrating Holi, the Festival of Colors, in Mumbai, India, surrounded by vibrant colors, music, and joyful locals.</p> <p>3. Moroccan Hammam: Experiencing a traditional Moroccan bathhouse (hammam) in Marrakech, where I discovered local customs and relaxation techniques.</p> <p><strong>Margaret Mason</strong> - Staying for a couple of days in a small, traditional village in China.</p> <p><em>Image credits: Shutterstock </em></p>

International Travel

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Readers response: Who’s the most interesting person you’ve met while travelling?

<p>One of the best parts of travelling is the people you met along the way. </p> <p>Whether it's as part of a tour group or an interesting character you meet by chance, interacting with interesting people in interesting places can bring a lot to your travel experience. </p> <p>We asked our readers to tell us about the most interesting person they've encountered on their travels and the response was overwhelming. Here's what they said. </p> <p><strong>Diana Jason</strong> - Cargo Holly Harrison. He walked 15000 miles from the bottom of South America to the top of Alaska. A truly fascinating man.</p> <p><strong>Margie Buckingham</strong> - While caravanning around Oz, every night we would meet interesting ppl enjoying pre-dinner drinks &amp; nibbles around the campfire. We all had personal stories to tell or the best places to camp.</p> <p><strong>Ann Smith</strong> - Myself. Travelled to the UK and found my independence and confidence, two and a bit years after I lost love of my life to cancer.</p> <p><strong>Pamela Cari</strong> - We met the lady who played the mother of Apollonia Vitelli in The Godfather when we were in Savoca.</p> <p><strong>Rosalie Busch</strong> - A couple who grew up behind the wall in East Berlin. </p> <p><strong>Sue Velvin</strong> - Shaquille O'Neal when my daughter and I had a holiday in the states a few years ago! Awesome man.</p> <p><strong>Wendy Farnham</strong> - A Buddhist Nun in Cambodia who lost her husband and 6 of her 7 children to starvation under Pol Pot’s regime.</p> <p><strong>Lyn Schuemaker</strong> - Everybody. They all have stories to tell.</p> <p><em>Image credits: Shutterstock </em></p>

International Travel

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Five ways to take advantage of rising interest rates to boost your savings

<p><em><a href="https://theconversation.com/profiles/fredrick-kibon-changwony-234363">Fredrick Kibon Changwony</a>, <a href="https://theconversation.com/institutions/university-of-stirling-1697">University of Stirling</a></em></p> <p>With the Bank of England base rate <a href="https://theconversation.com/how-the-bank-of-englands-interest-rate-hikes-are-filtering-through-to-your-finances-210344">currently the highest</a> it has been since early 2008, you may have a valuable opportunity to increase your earnings on pensions, investments and savings accounts. After all, when the central bank raises its main rate – the base rate, which is typically used as a benchmark for loans as well as savings accounts – it is trying to encourage people to spend less and save more.</p> <p>But UK banks and building societies have <a href="https://www.independent.co.uk/money/martin-lewis-savings-rates-mortgage-crisis-b2362955.html">recently been accused</a> of letting their savings rates lag the recent rapid rise in the base rate. UK regulator the Financial Conduct Authority has urged these financial firms to offer “<a href="https://www.fca.org.uk/news/press-releases/action-plan-cash-savings">fair and competitive</a>” savings rates in response to the increasing interest rates.</p> <p>Many financial institutions do offer accounts with <a href="https://www.theguardian.com/money/2023/jul/15/uk-savings-accounts-interest-nsi-building-societies-banks-deals">rates of 6% or more</a>. This is good news for avid savers – but only if you keep an eye on the market so you can switch from less competitive products. This is why it’s important to establish a regular savings habit, but many people are unsure about what that should involve.</p> <p>My colleagues and I have studied the <a href="https://dspace.stir.ac.uk/handle/1893/32240">correlation between people’s savings goals</a> (if they have any) and how they invest their money. We also looked at how seeking financial information advice, and being “good with numbers”, both influence this correlation.</p> <p>We analysed data from more than 40,000 individuals in 21,000 UK households from five waves of the Office for National Statistics Wealth and Assets Survey (WAS), conducted between 2006 and 2016. This data captures comprehensive economic wellbeing information and attitudes to financial planning.</p> <p>Our research shows the importance to your finances of setting multiple savings goals, keeping up with financial news, and seeking professional advice. Based on this, here are five research-based ways to make the most of your money.</p> <h2>1. Set specific savings goals</h2> <p>Establishing personal savings goals is one of the first steps most financial institutions and advisers will recommend to their customers, because it’s a good idea to <a href="https://www.investopedia.com/terms/c/compoundinterest.asp">save regularly</a>. Plus, our study shows that total financial assets increase in line with the number of savings goals you have, and that setting specific, rather than vague, goals leads to higher performance.</p> <p>Specific savings goals should have an end date, target figure, and even a meaningful name – for example, “£1,000 for 2024 trip to Asia” or “£250 for 2023 Christmas present fund”. This will create tangible reference points that encourage self-control and increase the pain you feel if you fail to meet your goal.</p> <h2>2. Seek professional financial advice</h2> <p>Rather than relying on friends, family and social media for financial advice, speak to an expert.</p> <p>Our research shows households that access professional financial advice were more likely to allocate a higher share of their wealth to stock portfolios than those that rely on friends, family and social media for financial advice. This result was consistent even across different wealth and income levels, with lower earners possibly using products like ISAs to make investments in stocks and shares. Other <a href="https://academic.oup.com/qje/article/134/3/1225/5435538">research shows</a> stock portfolios outperform most other types of investment in the long term.</p> <p>We also found that access to professional financial advice can substitute for setting goals, because your adviser should help you to determine the kinds of products to invest in (which is called asset allocation) for specific timelines and aims.</p> <h2>3. Brush up on your maths</h2> <p><a href="https://doi.org/10.1111/j.1475-5890.2007.00052.x">Several studies</a> show numerical skills affect how households gather and process information, <a href="https://psycnet.apa.org/doi/10.1037/a0013114">set goals</a>, perceive risks, and <a href="https://heinonline.org/HOL/P?h=hein.journals/fedred89&amp;i=791">decide to invest</a> in various financial assets. So, by brushing up on your basic numeracy and financial literacy skills – even with free online videos – you could boost your savings for the long term.</p> <p>Our study shows that individuals with high confidence in their numerical skills tend to have better financial planning habits – such as investing more in stocks and bonds than cash, which carries more risk but also the potential for greater returns. This trend is particularly evident among households with no savings goals, suggesting that numerical ability could compensate for failing to set such goals.</p> <h2>4. Adopt appropriate savings strategies</h2> <p>Diversified stock market portfolios generally outperform bonds and cash savings <a href="https://doi.org/10.1093/qje/qjz012">over longer periods</a>. However, stock markets can be volatile, so putting savings into less risky assets like bonds and cash is wise for savings goals of less than five years.</p> <p>In the longer term, investing across different global stock markets for more than five years can help counteract inflation. And you can access low-cost, diversified investment portfolios via financial products based on indices of stocks or other assets, such as exchange traded funds.</p> <h2>5. Set, monitor and adjust your plan</h2> <p>Free financial planning and budgeting apps can help you save money by tracking your spending and savings goals, and encouraging you to adhere to a budget.</p> <p>Most importantly, once you set savings goals and create a budget, don’t forget about them. Check regularly to see how your savings are building up and to monitor for any spending changes. A growing array of fintech tools can prompt and encourage this kind of long-term planning.</p> <p>Keeping an eye on savings rates is also important. As banks change rates or create new accounts, consider switching to get a better deal if you can do so without falling foul of account closure fees.</p> <p>It’s important to make sure your savings are working for you at any time, but its crucial in the current economy, when finances are tight but interest rates are rising.<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/208853/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><em><a href="https://theconversation.com/profiles/fredrick-kibon-changwony-234363">Fredrick Kibon Changwony</a>, Lecturer in Accounting &amp; Finance, <a href="https://theconversation.com/institutions/university-of-stirling-1697">University of Stirling</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/five-ways-to-take-advantage-of-rising-interest-rates-to-boost-your-savings-208853">original article</a>.</em></p>

Money & Banking

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5 interesting facts about how we hear

<p>The cochlea is the most complex part of the ear, responsible for turning sounds waves into what we perceive as “hearing”. Here are five more facts about this amazing organ.</p> <p><strong>1. The cochlea turns sounds into “hearing”</strong></p> <p>The cochlea receives sounds in the form of vibrations and converts them into nerve impulses. These impulses are sent to the brain to be translated into sounds that we recognise and understand.</p> <p><strong>2. The cochlea is the size of a pea</strong></p> <p>Located in the inner ear, the cochlea looks like a snail shell (cochlea is Greek for snail) and is only the size of a pea. Yet within the small pea is everything needed to turn sound vibrations into hearing.</p> <p><strong>3. There are over 20,000 nerve cells in the cochlea</strong></p> <p>There are approximately 24,000 hair fibres in the cochlea, which are essential to hearing. If these hair cells become damaged, hearing impairment occurs.</p> <p><strong>4. Cochlear implants directly stimulate auditory nerve</strong></p> <p>A cochlear implant bypasses damaged hair cells in the cochlear to provide direct stimulation to the auditory nerve.</p> <p><strong>5. The cochlea can’t heal</strong></p> <p>The cochlea cannot heal so damage done to your ear when younger can affect you later in life. It can be damaged by immune reactions, disease, drugs, chemicals, toxins, loud sounds, physical impact and ageing.</p> <p><em>Image credits: Getty Images</em></p>

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I’m considering an interest-only home loan. What do I need to know?

<p>An <a href="https://moneysmart.gov.au/home-loans/interest-only-home-loans" target="_blank" rel="noopener">interest-only home loan</a>, as the name suggests, is where you only pay the interest on a loan and not the principal (the original amount you borrowed).</p> <p>While authorities such as the Reserve Bank often <a href="https://www.rba.gov.au/speeches/2018/sp-ag-2018-04-24.html" target="_blank" rel="noopener">see</a> them as risky, interest-only loans can be helpful in some circumstances.</p> <p>If you’re considering an interest-only loan, here’s what you need to know.</p> <p><strong>How long do they go for?</strong></p> <p>These loans are typically last for five years at most, before reverting back to principal and interest (where you have to pay back, through regular payments, both interest and the initial sum you borrowed).</p> <p>You could potentially apply for another interest-only loan after your first one winds up, perhaps by refinancing (where you take a new mortgage to repay an existing loan). But you might not get it – and you’d still have to pay off the principal eventually.</p> <figure class="align-center zoomable"><a href="https://images.theconversation.com/files/480309/original/file-20220822-18038-nyikjs.jpg?ixlib=rb-1.1.0&amp;q=45&amp;auto=format&amp;w=1000&amp;fit=clip"><img src="https://images.theconversation.com/files/480309/original/file-20220822-18038-nyikjs.jpg?ixlib=rb-1.1.0&amp;q=45&amp;auto=format&amp;w=754&amp;fit=clip" sizes="(min-width: 1466px) 754px, (max-width: 599px) 100vw, (min-width: 600px) 600px, 237px" srcset="https://images.theconversation.com/files/480309/original/file-20220822-18038-nyikjs.jpg?ixlib=rb-1.1.0&amp;q=45&amp;auto=format&amp;w=600&amp;h=401&amp;fit=crop&amp;dpr=1 600w, https://images.theconversation.com/files/480309/original/file-20220822-18038-nyikjs.jpg?ixlib=rb-1.1.0&amp;q=30&amp;auto=format&amp;w=600&amp;h=401&amp;fit=crop&amp;dpr=2 1200w, https://images.theconversation.com/files/480309/original/file-20220822-18038-nyikjs.jpg?ixlib=rb-1.1.0&amp;q=15&amp;auto=format&amp;w=600&amp;h=401&amp;fit=crop&amp;dpr=3 1800w, https://images.theconversation.com/files/480309/original/file-20220822-18038-nyikjs.jpg?ixlib=rb-1.1.0&amp;q=45&amp;auto=format&amp;w=754&amp;h=503&amp;fit=crop&amp;dpr=1 754w, https://images.theconversation.com/files/480309/original/file-20220822-18038-nyikjs.jpg?ixlib=rb-1.1.0&amp;q=30&amp;auto=format&amp;w=754&amp;h=503&amp;fit=crop&amp;dpr=2 1508w, https://images.theconversation.com/files/480309/original/file-20220822-18038-nyikjs.jpg?ixlib=rb-1.1.0&amp;q=15&amp;auto=format&amp;w=754&amp;h=503&amp;fit=crop&amp;dpr=3 2262w" alt="" /></a><figcaption><em><span class="caption">Interest-only loans can cost you a lot more in interest over time than a regular principal and interest loan.</span> <span class="attribution"><span class="source">Photo by Andrew Mead on Unsplash</span>, <a class="license" href="http://creativecommons.org/licenses/by/4.0/" target="_blank" rel="noopener">CC BY</a></span></em></figcaption></figure> <p><strong>What are the upsides of an interest-only loan?</strong></p> <p>An interest-only loan means you’ll have more cash available to cover other costs, or invest elsewhere.</p> <p>You can use a <a href="https://moneysmart.gov.au/home-loans/mortgage-calculator" target="_blank" rel="noopener">mortgage calculator</a> to work out how much extra cash you’d have if you switched from a principal and interest loan to an interest-only loan. It’s typically hundreds of dollars per week.</p> <p>This may get you a bit more wriggle room for daily expenses. Or, some people use the extra cash to invest in other things – such as shares – in the hope they can make more money overall and pick up some tax benefits along the way. That’s why interest-only loans are often popular among <a href="https://moneysmart.gov.au/home-loans/interest-only-home-loans" target="_blank" rel="noopener">investors</a>. Of course, this strategy comes with risk.</p> <p>An interest-only loan may also have a redraw facility, allowing you to add extra payments into the loan (above and beyond the interest) if you want, and withdraw money later when you need cash. This can allow people to avoid a personal loan, which usually has a much higher interest rate.</p> <p>Regular principal and interest loans may also have a redraw facility but the regular payments of principal are unavailable for redraw. That means less flexibility for the borrower.</p> <figure class="align-center zoomable"><em><a href="https://images.theconversation.com/files/480311/original/file-20220822-64666-y67vz3.jpg?ixlib=rb-1.1.0&amp;q=45&amp;auto=format&amp;w=1000&amp;fit=clip"><img src="https://images.theconversation.com/files/480311/original/file-20220822-64666-y67vz3.jpg?ixlib=rb-1.1.0&amp;q=45&amp;auto=format&amp;w=754&amp;fit=clip" sizes="(min-width: 1466px) 754px, (max-width: 599px) 100vw, (min-width: 600px) 600px, 237px" srcset="https://images.theconversation.com/files/480311/original/file-20220822-64666-y67vz3.jpg?ixlib=rb-1.1.0&amp;q=45&amp;auto=format&amp;w=600&amp;h=408&amp;fit=crop&amp;dpr=1 600w, https://images.theconversation.com/files/480311/original/file-20220822-64666-y67vz3.jpg?ixlib=rb-1.1.0&amp;q=30&amp;auto=format&amp;w=600&amp;h=408&amp;fit=crop&amp;dpr=2 1200w, https://images.theconversation.com/files/480311/original/file-20220822-64666-y67vz3.jpg?ixlib=rb-1.1.0&amp;q=15&amp;auto=format&amp;w=600&amp;h=408&amp;fit=crop&amp;dpr=3 1800w, https://images.theconversation.com/files/480311/original/file-20220822-64666-y67vz3.jpg?ixlib=rb-1.1.0&amp;q=45&amp;auto=format&amp;w=754&amp;h=512&amp;fit=crop&amp;dpr=1 754w, https://images.theconversation.com/files/480311/original/file-20220822-64666-y67vz3.jpg?ixlib=rb-1.1.0&amp;q=30&amp;auto=format&amp;w=754&amp;h=512&amp;fit=crop&amp;dpr=2 1508w, https://images.theconversation.com/files/480311/original/file-20220822-64666-y67vz3.jpg?ixlib=rb-1.1.0&amp;q=15&amp;auto=format&amp;w=754&amp;h=512&amp;fit=crop&amp;dpr=3 2262w" alt="" /></a></em><figcaption><em><span class="caption">What’s right for one borrower won’t be for the next.</span> <span class="attribution"><span class="source">Image by Pfüderi from Pixabay</span>, <a class="license" href="http://creativecommons.org/licenses/by/4.0/" target="_blank" rel="noopener">CC BY</a></span></em></figcaption></figure> <p><strong>What are the downsides?</strong></p> <p>The interest rates on interest-only loans are generally higher than principal and interest loans.</p> <p>For example, the RBA July 2022 <a href="https://www.rba.gov.au/statistics/tables/xls/f05hist.xls" target="_blank" rel="noopener">indicator rate</a> for owner-occupier interest-only rates is 6.31%.</p> <p>But the equivalent variable rate for principal and interest loans is 5.77% (the indicator rate is just a guide; the actual difference varies from bank to bank).</p> <p>Interest-only loans can cost you a lot more over time than a regular principal and interest loan.</p> <p>This means a borrower needs to manage their finances well to ensure they can cover the interest payments now and still have enough to pay down the principal eventually. So you’ll need a plan for how you’re going to do that when the interest-only loan ends.</p> <p>There is also a risk of a shock – such as job loss, personal crisis or housing crash – causing the borrower to default on the loan altogether.</p> <p>If the borrower defaults on an interest-only loan, they may lose the house and the bank is left with a debt that was not substantially repaid (because the borrower had not yet made a dent in the principal). It’s a lose-lose situation.</p> <p><strong>Are interest-only loans common?</strong></p> <p>Interest-only loans represent <a href="https://www.apra.gov.au/news-and-publications/apra-releases-quarterly-authorised-deposit-taking-institution-statistics-11" target="_blank" rel="noopener">11.3% of all home loans</a> in Australia.</p> <p>This figure has been <a href="https://www.rba.gov.au/publications/fsr/2017/apr/box-b.html" target="_blank" rel="noopener">trending down</a> over the past five years, due in part to tighter <a href="https://www.apra.gov.au/news-and-publications/apra-to-remove-interest-only-benchmark-for-residential-mortgage-lending" target="_blank" rel="noopener">lending restrictions</a> and the fact low interest rates have made principal and interest loans relatively cheap recently.</p> <figure class="align-center zoomable"><em><a href="https://images.theconversation.com/files/480312/original/file-20220822-65738-za6ht2.jpg?ixlib=rb-1.1.0&amp;q=45&amp;auto=format&amp;w=1000&amp;fit=clip"><img src="https://images.theconversation.com/files/480312/original/file-20220822-65738-za6ht2.jpg?ixlib=rb-1.1.0&amp;q=45&amp;auto=format&amp;w=754&amp;fit=clip" sizes="(min-width: 1466px) 754px, (max-width: 599px) 100vw, (min-width: 600px) 600px, 237px" srcset="https://images.theconversation.com/files/480312/original/file-20220822-65738-za6ht2.jpg?ixlib=rb-1.1.0&amp;q=45&amp;auto=format&amp;w=600&amp;h=399&amp;fit=crop&amp;dpr=1 600w, https://images.theconversation.com/files/480312/original/file-20220822-65738-za6ht2.jpg?ixlib=rb-1.1.0&amp;q=30&amp;auto=format&amp;w=600&amp;h=399&amp;fit=crop&amp;dpr=2 1200w, https://images.theconversation.com/files/480312/original/file-20220822-65738-za6ht2.jpg?ixlib=rb-1.1.0&amp;q=15&amp;auto=format&amp;w=600&amp;h=399&amp;fit=crop&amp;dpr=3 1800w, https://images.theconversation.com/files/480312/original/file-20220822-65738-za6ht2.jpg?ixlib=rb-1.1.0&amp;q=45&amp;auto=format&amp;w=754&amp;h=501&amp;fit=crop&amp;dpr=1 754w, https://images.theconversation.com/files/480312/original/file-20220822-65738-za6ht2.jpg?ixlib=rb-1.1.0&amp;q=30&amp;auto=format&amp;w=754&amp;h=501&amp;fit=crop&amp;dpr=2 1508w, https://images.theconversation.com/files/480312/original/file-20220822-65738-za6ht2.jpg?ixlib=rb-1.1.0&amp;q=15&amp;auto=format&amp;w=754&amp;h=501&amp;fit=crop&amp;dpr=3 2262w" alt="" /></a></em><figcaption><em><span class="caption">Interest-only loans represent 11.3% of all home loans in Australia.</span> <span class="attribution"><span class="source">Image by sandid from Pixabay</span>, <a class="license" href="http://creativecommons.org/licenses/by/4.0/" target="_blank" rel="noopener">CC BY</a></span></em></figcaption></figure> <p><strong>What does the research say?</strong></p> <p>One Dutch <a href="https://link.springer.com/article/10.1007/s11146-013-9453-9" target="_blank" rel="noopener">study</a> found “households that are more risk-averse and less literate are significantly less likely to choose an interest-only mortgage”. This partly due to lower initial repayments and wealthy households preferring the financial flexibility.</p> <p>Interest-only borrowing has also been found to <a href="https://www.sciencedirect.com/journal/journal-of-housing-economics" target="_blank" rel="noopener">fuel</a> <a href="https://doi.org/10.1016/j.regsciurbeco.2018.06.004" target="_blank" rel="noopener">housing</a> <a href="https://www.sciencedirect.com/science/article/pii/S1094202520300776?via%3Dihub" target="_blank" rel="noopener">speculation</a> and reduce housing affordability.</p> <p>A US study found borrowers also tend to <a href="https://doi.org/10.1093/rof/rfy016" target="_blank" rel="noopener">default</a> more.</p> <p>A Danish <a href="https://doi.org/10.1162/rest_a_01146" target="_blank" rel="noopener">study</a> found that once the interest-only lower repayment period is over and the loan reverts to principal and interest, those who didn’t make principal repayments suffered a large drop in disposable income.</p> <p><strong>Financial flexibility comes with a catch</strong></p> <p>With rates rising, interest-only loans may sound like an appealing way to have more cash available to cover other costs in life.</p> <p>But just remember financial flexibility comes with a catch. An interest-only loan could be more expensive in the long run.</p> <p>For some people, that cost will be worth it if it allows them to hold onto the house during a brief tough period or make more money investing elsewhere. But it’s a risk.</p> <p>And when the interest-only loan ends, you’re still stuck with the task of paying off the money you borrowed from the bank in the first place (with interest).<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/188817/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><em><a href="https://theconversation.com/profiles/adrian-lee-94688" target="_blank" rel="noopener">Adrian Lee</a>, Associate Professor in Property and Real Estate, <a href="https://theconversation.com/institutions/deakin-university-757" target="_blank" rel="noopener">Deakin University</a></em></p> <p><em>This article is republished from <a href="https://theconversation.com" target="_blank" rel="noopener">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/im-considering-an-interest-only-home-loan-what-do-i-need-to-know-188817" target="_blank" rel="noopener">original article</a>.</em></p> <p><em>Image: Getty Images</em></p>

Money & Banking

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No alibi: Fresh twist in William Tyrrell case

<p><span>A key person of interest in the high-profile William Tyrrell case has been unable to give investigating police an alibi for the day of the boy's disappearance.</span></p> <p>A <a rel="noopener" href="https://7plus.com.au/7news-disappearance-of-william-tyrrell" target="_blank">7News investigation</a> revealed that convicted pedophile Frank Abbott was living approximately 12 kilometres from the town William went missing from in September 2014. </p> <p>The elderly man is now serving time in jail for the sexual assault of three young children, to which he maintains his innocence over.</p> <p>Police repeatedly questioned Abbott about his movements on the day William disappeared, and has been unable to provide a suitable alibi or someone to vouch for his movements. </p> <p>Despite the mounting suspicions, Abbott maintains he has nothing to do with the disappearance. </p> <p>A witness in the case named Steve, whose true identity is suppressed by a court order, claims a lot of the key evidence points to Abbott. </p> <p><span>“I believe that he, Frank, dropped (friend Ray Porter) off at hospital and had access to Ray’s car,” Steve told 7NEWS.</span></p> <p><span>When asked whether the car claim supports evidence supplied by William’s foster mother, Steve replied, “100 per cent.”</span></p> <p><span>Child protection advocate Adam Washbourne claims police had relented to disclosing the number of pedophiles living near the town of Kendall at the time of William's disappearance. </span></p> <p class="css-1316j2p-StyledParagraph e4e0a020">“There were 20 sex offenders in the Kendall area,” he said.</p> <p class="css-1316j2p-StyledParagraph e4e0a020">“Do you think there’s a street where there isn’t a registered sex offender? I’ve got news for you if you do."</p> <p class="css-1316j2p-StyledParagraph e4e0a020">“They are in every town, every suburb, the safest places. They are monsters, predators, stalkers, and they live among us.”</p> <p class="css-1316j2p-StyledParagraph e4e0a020"><span>It’s hoped that the findings of a coronial inquest into William's disappearance will shed more light on the case, after out concluded in October last year due to the pandemic. </span></p> <p class="css-1316j2p-StyledParagraph e4e0a020"><span>In September, police returned to where William was last seen on the seven year </span>anniversary of his disappearance, saying, "<a rel="noopener" href="https://www.oversixty.com.au/finance/legal/shock-twist-in-seven-year-search-for-william-tyrrell" target="_blank">Further information has come to light</a>."</p> <p class="css-1316j2p-StyledParagraph e4e0a020">William was only three years old when he disappeared from his grandmother's home in Kendall, NSW, on Friday September 12th 2014. </p> <p class="css-1316j2p-StyledParagraph e4e0a020">Despite hundred of volunteers, emergency services workers and locals scouring the town, no one could find a trace of the missing boy. </p> <p class="css-1316j2p-StyledParagraph e4e0a020"><em>Image credits: NSW Police/PR Image</em></p>

Legal

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New research shows playing with old phones teaches children good habits

<p>Screens are everywhere, including in the palms of our hands. Children see how much time we adults spend on our smartphones, and therefore how much we seem to value these devices – and they want to be a part of it.</p> <p>Children see us constantly looking up information we need to know, and being continuously connected. It’s only natural that they should want to copy this behaviour in their <a href="https://theconversation.com/imitation-and-imagination-childs-play-is-central-to-human-success-7555">play</a>, and “practise being an adult”.</p> <p>Most people have an opinion about children and technology, and the media regularly present stories of their potential for learning, or horror stories of the damage they can cause. My <a href="https://onlinelibrary.wiley.com/doi/10.1111/bjet.12791">research</a> takes a slightly different tack.</p> <p>Rather than studying children’s screen use per se, I looked at how they play with old and discarded devices, such as a hand-me-down phone handset or an old and defunct laptop that has otherwise outlived its usefulness.</p> <p>Many early childhood education centres contain play spaces set up to mimic situations in everyday adult life. Examples include “home corner” containing kitchen equipment, of other situations such as offices, hairdressing salons, doctors’ surgeries, and restaurants. These spaces might also let children play at using mobile phones, computers, iPads, EFTPOS machines, or other electronic devices.</p> <p>I observed classes of 4 and 5-year-olds at two early education centres as they played imaginatively using technologies, to find out how they use devices in their play.</p> <p><strong>Facebook aficionados</strong></p> <p>Some of the children’s behaviours were fascinating and eye-opening.</p> <p>Four-year-old Maddie, for example, “videoed” her educator dancing, and then said she was going to post it to Facebook. She knew the process involved, even though she had only ever watched her mother post, and had never done it herself.</p> <p>Four-year-old Jack made a “video camera” from cardboard boxes and pretended to film other children. It even had a screen where you could watch the footage he had shot.</p> <p>Another educator told me her two-year-old child knows the difference between her work phone and her personal phone, and uses a different voice while pretending to talk on each.</p> <p>In my research, children put phones in pockets or handbags before they went off and played, one child stated “I can’t go out without my phone!”</p> <p><strong>Practise and pretend</strong></p> <p>During <a href="https://theconversation.com/making-up-games-is-more-important-than-you-think-why-bluey-is-a-font-of-parenting-wisdom-118583">pretend play</a>, children are often acting at a higher level to practise new skills.</p> <p>The children in my study had seen grown-ups doing “grown-up” things with their devices, and wanted to <a href="https://www.tandfonline.com/doi/abs/10.1080/09575146.2016.1167675">recreate them in their play situations</a>.</p> <p>Early childhood educators can use this kind of play to help children understand complex concepts and situations. For example, I have observed preschool children acting out tsunamis in the sandpit, discussing X-rays and broken bones, and showing a child how to care for a doll to practise interacting with a new sibling.</p> <p>Technologies are no different. Parents and educators can use pretend play with technologies to teach children useful life lessons, such as how to behave appropriately with mobile phones, and when it is appropriate to use them.</p> <p>In the Facebook example above, the educator could have had a conversation with Maddie about asking permission before taking a video of someone else and posting it to Facebook. They could ask questions like “how would you feel if someone took a video of you dancing and then posted it to Facebook?”</p> <p>When the children were playing restaurants, one child declared: “no screens at the table!” The children then negotiated that it was okay when the call was very important, or if they needed to look something up to help with whatever the group was discussing. In this way, the children displayed their understanding of the importance of social interactions.</p> <p>Not only can educators teach children through play, they can also model appropriate behaviour with technologies. By asking children if it is alright to take a photo or video of them, showing the child their image before it is shared with others, and being present and not looking at a screen when a child is speaking, we can show children we respect them and behave ethically towards them.</p> <p>So before you throw away your broken laptop or your old mobile, consider donating it to your local early childhood centre or, if you have children in your own home, give it to them to use as a toy. You might be surprised at what they will teach you.<!-- 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; text-shadow: none !important;" src="https://counter.theconversation.com/content/127727/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: http://theconversation.com/republishing-guidelines --></p> <p><span><a href="https://theconversation.com/profiles/jo-bird-817807"><em>Jo Bird</em></a><em>, Lecturer, <a href="http://theconversation.com/institutions/university-of-new-england-919">University of New England</a></em></span></p> <p><em>This article is republished from <a href="http://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/playing-with-old-phones-teaches-children-good-habits-and-reflects-our-bad-ones-back-at-us-127727">original article</a>.</em></p>

Technology

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10 conversation starters that make you instantly interesting

<p><strong>1.Perfect conversation starters</strong></p> <p>Whether you’re working up the courage to talk to an attractive stranger of feeling awkward at a social or business event, the conversation topics will get you off to a winning start</p> <p><strong>2.Conversation Topic: Ask for a helping hand</strong></p> <p> “Helping questions are great conversation starters because when a person helps you it forms natural bonds. When you help another person to figure what an item is on the buffet or locate the bathroom, it lowers your defences. For example, if you’re at the supermarket, ask ‘Do you know how to tell if this fruit is ripe?’ It makes you look open to learning more and will help the conversation flow naturally.” – Dawn Maslar, MS, author of <em>Men Chase, Women Choose: The Neuroscience of Meeting, Dating, Losing Your Mind, and Finding True Love</em>.</p> <p><strong>3.Conversation Topic: Compliment something other than someone’s looks</strong></p> <p> “Instead of complimenting something generic like their eyes, highlight something that shows their personality, like their purse or a book. This is simple, elegant and great if you are interested in someone or anytime you want to boost their likeability toward you for business or social reasons.” – Paul DePompo, PsyD, ABPP, psychologist</p> <p><strong>4.Conversation Topic: Bring up a shared interest</strong></p> <p> “Many people think they have nothing in common with a stranger but if someone is at a supermarket, restaurant or bar they are there for a reason – one which is likely similar to yours. You’re both there so you both share a common interest. Ask questions to find out what that interest is. For instance, ask about what their experience at that venue has been like or why they chose it.” – Shannon Battle, licensed professional counsellor</p> <p><strong>5.Conversation Topic: Go simple… yet bold</strong></p> <p> “Give a genuine smile and say, ‘Hi.’ It sounds too simple but people are so used to other people staring at their phones that a simple smile and hello can be a very bold move. It shows the other person that you’ve noticed them and you’re interested in getting to know them better. And you’ll almost always get a hello back. (If you don’t, let it go. You don’t want to date a rude person anyway.)” – Suzanne Casamento, dating expert and the creator of Fantasy Dating</p> <p><strong>6.Conversation Topic: Ask for their honest opinion</strong></p> <p> “Asking ‘I’ve been really thinking deeply about something and wondering if I can share it, and get your feedback?’ shows your interest in the other person and solicits new and interesting information that is fun to discuss. Pretty much anyone will want to share their opinions with an interested party and they will think you are nice and fun to be with, as well.” – Melissa Orlov, therapist and author of <em>The Couple’s Guide to Thriving With ADHD</em>.</p> <p><strong>7.Conversation Topic: Tell a bonding joke</strong></p> <p> “Jokes work well because they are disarming and work on a biological level. If a woman laughs at a man’s joke, he feels assured that she has a level of comfort with him. For her, laughing releases oxytocin, the ‘bonding hormone.’ These two things together create an opening for more conversation.” – Dawn Maslar</p> <p><strong>8.Conversation Topic: Give an out-of-the-blue compliment</strong></p> <p> “I always tell my clients to try out a compliment. It breaks the ice and these days it’s completely unexpected! You can test out doing this by just giving people walking down the street a compliment and see their reaction, most times people will give you a smile and possibly engage in more conversation. After all, who doesn’t like to be complimented?” – Stef Safran, a matchmaking and dating expert in Chicago and owner of Stef and the City.</p> <p><strong>9.Conversation Topic: Get (pop) cultured</strong></p> <p> “Make a comment or joke about something big in pop culture that most people would be familiar with – something light, NOT political. If you need ideas look at what’s trending or are hot topics on Twitter or Facebook.” – Stef Safran.</p> <p><strong>10.Conversation Topic: Ask a fake favour</strong></p> <p> “People love to help so asking for a small favour is a great conversation starter. If you don’t have a favour to ask for, just make one up. Ask the person you find attractive to help you reach something on a high shelf or hold something while you look through your wallet. At the very least you’ll end up with a fun story to tell your friends.” – Suzanne Casamento</p> <p><em>Written </em>by <em>Charlotte Hilton Andersen.</em> This<em> article first appeared in </em><a href="https://www.readersdigest.com.au/true-stories-lifestyle/relationships/37-conversation-starters-that-make-you-instantly-interesting/"><em>Reader’s Digest</em></a><em>. For more of what you love from the world’s best-loved magazine, </em><a href="http://readersdigest.innovations.co.nz/c/readersdigestemailsubscribe?utm_source=over60&amp;utm_medium=articles&amp;utm_campaign=RDSUB&amp;keycode=WRN93V"><em>here’s our best subscription offer.</em></a></p> <p><img style="width: 100px !important; height: 100px !important;" src="https://oversixtydev.blob.core.windows.net/media/7820640/1.png" alt="" data-udi="umb://media/f30947086c8e47b89cb076eb5bb9b3e2" /></p>

Caring

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America's most interesting national parks

<p class="">I’ve long been fascinated by US National Parks. At the top of my list are Zion, Bryce Canyon and the Grand Canyon National Parks. </p> <p class="">Here’s why these are my favourite USA National Parks.</p> <p class=""><strong>Grand Canyon National Park, Arizona </strong></p> <p class=""><span>John Wesley Powell, an early explorer of the American West credited with leading the first group of Europeans down the Colorado River through the Canyon, wrote: “The wonders of the Grand Canyon cannot be adequately represented in symbols of speech, nor by speech itself.”</span></p> <p>After cycling for hours down a dusty track to reach a remote viewpoint over the Grand Canyon’s North Rim called Toroweap Overlook I have to agree.</p> <p>The stupendous view leaves me speechless. And to have this jumble of volcanic cinder cones and lava flows on the edge of one of the world’s great natural wonders virtually to myself is especially wonderful.</p> <p>Stratum upon stratum of multi-hued rock lies stacked beneath me. Dating back over two billion years, they reveal more dramatically than anywhere else on Earth how our world was formed, while two miles below, the Colorado River snakes through the gorge, carving ever deeper into this iconic symbol of the American Southwest.</p> <p><strong>Zion National Park, Utah </strong></p> <p>World famous for its massive rock walls of red and white Navajo sandstone that rise over 610 metres from the desert floor, Zion National Park is a canyon oasis of astounding natural beauty.</p> <p>Meaning ‘heavenly city’ in the vernacular of Utah’s predominant Mormons, Zion is a breathtaking blend of high plateaus, sheer canyons, and monolithic cliffs.</p> <p>These sheer walls were carved by decades of wind, rain, ice and the waters of the Virgin River.</p> <p>Once there, I soon discover that getting my feet wet is the best way to explore Zion’s most popular backcountry. In an area called the Narrows, you can explore a slot canyon which is significantly deeper than it is wide.</p> <p>Here, the North Fork Virgin River runs beneath thousand-foot walls of Navajo sandstone sculpted by thousands of years of erosion into some of the most beautiful rock formations in all of the American Southwest.</p> <p><strong>Bryce Canyon National Park, Utah</strong> </p> <p>This park’s spectacular natural amphitheatres contain the world’s largest collection of hoodoos — thin, flame-coloured limestone spires protruding from arid badlands that can rise as high as a ten-storey building.</p> <p>Spread over many miles, they resemble a ‘silent city’ of stone.</p> <p>I discover that the best way to experience Bryce’s natural wonders is on foot. More than sixty miles of trails weave through the canyon’s maze of sunburnt stone hoodoos.</p> <p>As I amble along the popular Navajo Loop Trail, I encounter famous hoodoos with names like Three Wise Men, Indian Princess, The Rabbit and even ET.</p> <p>The Palute Indians who once hunted here were the first to describe Bryce’s Hoodoos in anthropomorphic terms. Bringing fairy chimneys and goblins to mind, they still fire the imagination.</p> <p><strong>Other popular US National Parks:</strong></p> <p><strong>Olympic National Park, Washington </strong></p> <p>From its wild beaches to its lush, mossy rainforest and rugged, glacier-capped mountains, the park’s diverse habitats are ideal for adventurous travellers looking for a little bit of everything.</p> <p>It’s really three parks in one. Lofty mountains offer plenty of snow and glaciers. It’s lush, verdant Hoh Rainforest is home to Roosevelt elk, black bears and other distinctive wildlife. And its rugged coastline has miles of wild, deserted beaches sprinkled with sea stacks and tide pools.</p> <p>Nowhere else in America will you find three such entirely different worlds to be experienced within one park.</p> <p><strong>Glacier National Park, Montana </strong></p> <p>Nicknamed the Crown of the Continent because the water flows from it all the way to the Pacific Ocean, the Gulf of Mexico, and to Hudson’s Bay, Glacier National Park straddles the Canada–United States border.</p> <p>An untouched wilderness of ancient forests, deep valleys and spectacular alpine scenery, the park is a paradise for hikers and trekkers.</p> <p>It also contains more than 130 pristine lakes and hundreds of species of animals, including Grizzly bears, mountain goats and moose, mountain goats, wolverines and Canadian lynxes. Popular activities include backpacking, cycling and camping.</p> <p><strong>Grand Teton National Park, Wyoming  </strong></p> <p>Named for the tallest mountain in the Teton Range, this national park is famous for its distinctive jagged granite pinnacles, numerous lakes, abundant wildlife, and historic barns and homesteads.</p> <p>A popular destination for mountaineering and hiking, Grand Teton is also a world-renowned trout-fishing destination and is one of the few places where anglers can catch Snake River fine-spotted cutthroat trout.</p> <p><strong>Denali National Park and Preserve, Alaska</strong></p> <p>America’s largest national park, Denali is named after America’s tallest mountain, 6,190 metre-high Denali (formerly known as Mount McKinley).</p> <p>It’s six million acres of wilderness includes tundra, spruce forest and glaciers. Denali is home to grizzly bears, wolves, moose, caribou and Dall sheep.</p> <p>In spring, summer and fall you can bike, hike and mountaineer. In winter try snowshoeing, snowmobiling and skiing in the park’s rugged mountains and high Alpine tundra.</p> <p>Denali’s remoteness and strict protection of its wildlife habitat and ecosystems ensure that this arctic gem remains pristine.</p> <p><em>Written by Mark Sissons. Republished with permission of </em><a href="https://www.mydiscoveries.com.au/stories/america-s-most-interesting-national-parks/"><em>MyDiscoveries</em></a><em>. </em></p>

International Travel

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Robert Wagner named as new “person of interest” in wife Natalie Wood’s death

<div class="replay"> <div class="reply_body body linkify"> <div class="reply_body"> <div class="body_text "> <p>Thirty-six years on from actress Natalie Wood’s mysterious death, her husband, TV star Robert Wagner, has been officially named as a “person of interest”.</p> <p>The Oscar-winning actress, known for her roles in <em>West Side Story</em>, <em>Miracle on 34th Street</em> and <em>Rebel Without a Cause</em>, was found dead in the water off California’s Catalina Island, where she had been travelling with husband Wagner, and friend and fellow actor Christopher Walken along with the ship’s captain Dennis Davern.</p> <p>The case was closed two weeks after her body was discovered, with investigators ruling it an accident. However, after being reopened by the Los Angeles County Sheriff’s Department in 2011, Wood’s official cause of death was changed from “accidental drowning” to “drowning and other undetermined factors”.</p> <p>Investigators told CBS’s <em>48 Hours</em> program they are ready to speak to Wagner, now 87 years old, and who has refused to speak with officials about his wife’s death since the case was reopened.</p> <p>At the time of the incident, Wagner, Walken and Davern told authorities that Wood “took off in a dinghy and went ashore,” despite the actress previously saying on a number of occasions that she was terrified of the water.</p> <p>Since the original investigation, Wagner and Davern have both changed their stories. In 2011, Davern said he heard Wagner shouting at Walken, “Do you want to f*** my wife?” before smashing a bottle and demanding Walken “get off my f***ing boat”.</p> <p>Lieutenant John Corina, who has been investigating the case for six years, says the details in Wagner’s story don’t match up with other witnesses. </p> <p>“I think he’s constantly changed his story a little. And his version of events just don’t add up,” Lieutenant Corina said. </p> <p>As for the autopsy of Wood’s body, Ralph Hernandez of the Los Angeles County Sheriff’s Department told <em>48 Hours</em>, “She looked like a victim of assault,” and was covered in fresh bruises.</p> <p>“I think it’s suspicious enough to make us think that something happened,” Lieutenant Corina added, suggesting Wagner knew more about his wife’s death than he had previously let on, as he was the last person to see her alive.</p> <p>Do you remember when Natalie Wood died? Tell us in the comments below. </p> </div> </div> </div> </div>

Movies

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Young love! Meet Malia Obama’s new man

<p><span>On Saturday, Malia Obama was photographed kissing her new love interest before the Harvard -Yale football game.</span></p> <p><span>The 19-year-old boy has been identified as Rory Farquharson who was once the head boy at one of England’s most prestigious schools before becoming a fellow classmate with Malia at Harvard.</span></p> <p><span>Malia, also 19 years old, and Rory’s kiss was caught by paparazzi, and the young adults have been caught in a media storm ever since.</span></p> <p style="text-align: center;"><span><img width="306" height="616" src="https://oversixtydev.blob.core.windows.net/media/7264724/2.jpg" alt="2 (33)"/><br /></span></p> <p><span>Last year, Rory made the move from the UK to the US to join the Ivy League university.</span></p> <p><span>Rory attended one of the top ‘public’ schools in the United Kingdom, Rugby School. The institution is just a rung below the more elite Eton and Harrow.</span></p> <p><span>It charges more than $42,500 a year for tuition and board.</span></p> <p><span>An insider revealed to the </span><em><span>Daily Mail</span></em><span> that Rory was considered to be “quite a catch” as he was “very popular”.</span></p> <p style="text-align: center;"><span><img width="500" height="810" src="https://oversixtydev.blob.core.windows.net/media/7264725/3_500x810.jpg" alt="3 (20)"/></span></p> <p><span>He will definitely be able to find common ground with Barack Obama, if he is introduced to Malia’s parents, as Rory represented his school at golf and was a member of the Blue Bunsen Society.</span></p> <p><span>Malia took a gap year before starting her studies at Harvard this year.</span></p> <p><span>At the football game, Malia was seen wearing an over-sized yellow puff jacket, white leggings and boots. She also showed her support to her university by wearing a hat with Harvard “H” embroidered on it.</span></p> <p><span>Rory also showed his support by wearing a red long-sleeved Harvard t-shirt.</span></p> <p><span>A year ago, Barack Obama revealed that Malia and her younger sister, Sasha, had already started dating. The former US president said he was “pretty relaxed” about it since the family have Secret Service protection. </span></p> <p><span>“They've had Secret Service. There's only so much these guys can do,” Barack joked. </span></p>

Relationships

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Prince Charles embroiled in latest Paradise Papers leak

<p>Prince Charles has been accused of a “conflict of interests” after he reportedly lobbied to change climate change agreements without revealing his private estate had an offshore financial interest in the changes.</p> <p>The financial affairs of Prince Charles have been revealed in the Paradise Papers, where millions of leaked documents revealed the offshore investments of politicians and celebrities in low tax jurisdictions.</p> <p>The documents reveal that in 2007, the estate of Prince Charles purchased shares worth $195,000 in a Bermuda company that stood to benefit from a rule change.</p> <p>Charles is a friend of director of Sustainable Forestry Management Ltd, whose board members invest in land to protect it from deforestation.</p> <p>Charles’ involvement in the company was so sensitive that the firm’s board members were sworn to secrecy, reported The Guardian.</p> <p>Two weeks after the shares purchase, Charles started campaigning to change two major environmental agreements, the Kyoto Protocol and the European Union’s carbon trading system.</p> <p>A former chairman of the UK public standards watchdog described Charles’ actions as a conflict of interest.</p> <p>Sir Alistair Graham, former chairman of the Committee on Standards in Public Life, said, “There's a conflict of interest between his own investments of the Duchy of Cornwall and what he's trying to achieve publicly."</p> <p>Sir Graham added, "And I think it's unfortunate that somebody of his importance, of his influence, becomes involved in such a serious conflict."</p> <p>A spokesman for Prince Charles said he had "certainly never chosen to speak out on a topic simply because of a company that it may have invested in”.</p> <p>"In the case of climate change his views are well known, indeed he has been warning of the threat of global warming to our environment for over 30 years.”</p>

Money & Banking

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7 interesting facts about Roger Moore

<p>British actor Roger Moore, best known for playing James Bond in the film series, <span style="text-decoration: underline;"><strong><a href="http://www.oversixty.com.au/news/news/2017/05/roger-moore-dies-at-89/" target="_blank">sadly passed away earlier this year at the age of 89 after a battle with cancer.</a></strong></span> In memory of the actor on what would have been his 90th birthday today, we take a look at some interesting facts about the life of the talented and suave actor and humanitarian.</p> <p><strong>1. He wanted to be an artist</strong></p> <p>Moore initially wanted to be an artist but got into the film industry after becoming an extra in the late 1940s. Moore also served in the British military during WWII. He moved to the US in 1953 and landed a contract with Metro-Goldwyn-Mayer.</p> <p><strong>2. He had an unlimited supply of cigars</strong></p> <p>Included in his contract for the Bond films was an unlimited supply of Montecristo cigars during filming. The cost of his cigars usually accumulated to thousands of pounds.</p> <p><strong>3. He never ran on screen</strong></p> <p>Every scene that showed Moore running was performed by a body double. Moore thought he looked awkward running, so the producers allowed him not to do it.</p> <p><strong>4. He suffered from hoplophobia</strong></p> <p>Moore had hoplophobia, a fear of firearms, due to a childhood accident. When he was young, he was shot in the leg with an air rifle by his brother.</p> <p><strong>5. He was the first Bond to get help from computer modelling</strong></p> <p>One scene in <em>The Man with the Golden Gun</em> was the first Bond stunt to be calculated by computer modelling. The stunt involves the corkscrew car jumping over a canal and it was captured in one take.</p> <p><strong>6. He had a passion for helping children</strong></p> <p>Moore was Goodwill Ambassador for UNICEF from 1991. He worked on behalf of children who were being exploited and in 1996, at the World Congress Against Commercial Sexual Exploit, he revealed how he was a victim as a child. “I was molested when I was a child - not seriously - but I didn't tell my mother until I was 16, because I felt that it was something to be ashamed of," he told The Associated Press.</p> <p><strong>7. He felt “too old” to play Bond</strong></p> <p>Moore was the oldest person to debut as Bond, which he did at the age of 45 when <em>Live and Let Die</em> was filmed in 1973. In 1985, he officially announced his retirement from playing James Bond. The movie star was quoted as saying that he felt embarrassed he was performing love scenes with beautiful actresses who were young enough to be his daughters.</p> <p>What is your favourite movie with Roger Moore? Let us know in the comments below.</p>

Movies

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High blood pressure may protect over-80s from dementia

<p>It is well known that high blood pressure is a risk factor for dementia, so the results of a <span style="text-decoration: underline;"><strong><a href="http://www.alzheimersanddementia.com/article/S1552-5260(14)01404-6/abstract">new study</a></strong></span> from the University of California, Irvine, are quite surprising. The researchers found that people who developed high blood pressure between the ages of 80-89 are less likely to develop Alzheimer’s disease (the most common form of dementia) over the next three years than people of the same age with normal blood pressure.</p> <p>Blood pressure is an approximate measure of how hard the heart has to work to pump blood around the body. As blood pressure increases, so too does the effort of the heart. Over time, the added strain caused by high blood pressure can damage the heart and increase the risk of having a heart attack. High blood pressure can also indicate that the blood vessels are themselves damaged or blocked. This is particularly bad for the brain, because it needs a lot of energy and is highly dependent on a constant supply of oxygen and nutrients that are carried by the blood. In extreme cases, a lack of blood supply in the brain can result in a stroke and vascular dementia.</p> <p>Damage to blood vessels in the brain is <span style="text-decoration: underline;"><strong><a href="https://www.ncbi.nlm.nih.gov/pubmed/27977393">also implicated</a></strong></span> in the development of Alzheimer’s disease. In addition to delivering oxygen and nutrients, the blood vessels in the brain also act to remove waste products, such as the β-amyloid protein, from the brain. Dysfunction of the vessels can lead to an accumulation of β-amyloid and other toxic proteins in the brain, ultimately leading to death of brain cells and dementia.</p> <p>It is thought that having high blood pressure increases the risk of developing Alzheimer’s disease. Several long-term studies that have followed people from middle to old age have found that people who have high blood pressure in their 40s and 50s are <strong><span style="text-decoration: underline;"><a href="http://www.alzforum.org/news/research-news/treating-midlife-hypertension-helps-preserve-cognition-old-age">more likely to develop Alzheimer’s disease in old age</a></span></strong> compared with those who have normal blood pressure in midlife. Although the definitive reasons for this increased susceptibility are not known, they may relate to damage to the structure of the blood vessels, decreased blood flow to the brain and impaired clearance of toxins from the brain.</p> <p>However, this latest study from UC Irvine, suggests that having high blood pressure – at least at a certain age – actually protects some people from developing Alzheimer’s disease.</p> <p>So, how can these apparently contradictory findings be reconciled? The answer may relate to how blood pressure changes normally across the lifespan. As we age, our bodies become less able to compensate for fluctuations in blood pressure, such as when standing from a sitting position.</p> <p>About <span style="text-decoration: underline;"><strong><a href="http://www.sciencedirect.com/science/article/pii/S073510971503939X">30% of people</a></strong></span> over 70 years of age experience a feeling of dizziness, light-headedness or weakness when going from sitting to standing (termed postural hypotension). This occurs because of a drop in the amount of blood getting to the brain. In fact, postural hypotension is itself <span style="text-decoration: underline;"><strong><a href="http://journals.plos.org/plosmedicine/article?id=10.1371/journal.pmed.1002143">associated with increased risk of developing Alzheimer’s disease</a></strong></span>. So, people who develop hypertension in late life may do so to compensate for an age-related decrease in blood pressure. This may help them maintain an adequate blood flow to the brain, facilitate waste removal and ultimately protect the brain cells. Alternatively, in people who do not develop Alzheimer’s disease until 90 years of age, or older, changes in blood pressure may occur alongside the onset of dementia, rather than contribute to disease onset.</p> <p>Increasingly, research points to a role for blood vessels and factors that affect the health of the blood vessels in Alzheimer’s disease. Based on the current understanding, maintaining blood pressure within the “Goldilocks range” – not too high, not too low – is still the best course of action for reducing the risk of developing Alzheimer’s disease.</p> <p><em>Written by Cheryl Hawkes. First appeared on<a href="https://theconversation.com/"><strong> <span style="text-decoration: underline;">The Conversation</span></strong></a>. </em></p> <p><strong>Related links:</strong></p> <p><a href="http://www.oversixty.co.nz/health/caring/2017/01/helpful-advice-for-caring-for-someone-with-dementia/"><em><span style="text-decoration: underline;"><strong>Helpful advice for caring for someone with dementia</strong></span></em></a></p> <p><a href="http://www.oversixty.co.nz/health/caring/2017/01/diet-to-defeat-dementia/"><em><span style="text-decoration: underline;"><strong>The everyday diet to defeat dementia</strong></span></em></a></p> <p><a href="http://www.oversixty.co.nz/health/caring/2016/12/this-herb-can-improve-memory-and-fight-dementia/"><em><span style="text-decoration: underline;"><strong>Smelling this herb can improve memory and reduce risk of dementia</strong></span></em></a></p>

Caring

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The interesting and fun side of investing

<p>The world of investments has been separated from other parts of our lives and assigned to people with academic qualifications. It is often treated as a matter too specialist for untrained people to look into. This is absolute rubbish – especially given that most people deal with far more complex issues such as health problems, relationships with family, getting one’s affairs in order and so on. Life is complex. Life is personal. Life has huge variables.</p> <p>Interestingly, there is a big push in New Zealand to use large organisations to manage your money. Some are very good. Some not so good. The biggest risk for New Zealanders when it comes to entrusting their finances into the hands of someone else is to think “someone else is looking after this for me”. It’s beneficial that everyone take an active role in their finances in the same way they take care of their personal health. For your health, at a minimum you see a doctor and perhaps even specialists for medication, vitamins, diet and exercise. Investments requires this same thought and management – you should take an active interest in your financial wellbeing and your money in the same way you use health professionals you should use financial professionals. There is no need to know everything, but working on building your knowledge will help you understand what the professionals are recommending and allow you to agree or disagree on any particular recommendation.</p> <p>So, how can you arm yourself with more financial information? One of the most important keys to learning is to be interested in a subject. And it’s easier to become interested in a subject by finding an interest that you can relate to. An excellent resource for this is <em>IRG Yearbook</em>. The yearbook offers financial information and includes the interesting background details which makes this often dry subject much more palatable.</p> <p>Top interesting topics in <em>IRG Yearbook</em>:</p> <p><strong>Gentlemen</strong></p> <p>If you’re a gentleman who loves cars, have you ever thought about the financial position of Daimler Benz, BMW, or New Zealand companies like Turners Ltd, Colonial Motor Company? If you want to learn more about these vehicles and the companies, the <em>IRG Yearbook</em> will give you a one-page summary, which allows you to understand more.</p> <p><strong>Ladies</strong></p> <p>If you’re a lady who has an interest in fashion and cosmetics, you have probably seen the New Zealand brand, Trilogy. You probably know Louis Vuitton and Prada. If you go to the <em>IRG Yearbook</em> you get a one-page summary of these companies.</p> <p><strong>Technology</strong></p> <p>If you’re interested in technology, you might want to learn more about companies such as Facebook, Microsoft or New Zealand companies, Xero and Pushpay. As well as finding out which tech companies are the most successful, the one-page summaries in the <em>IRG Yearbook</em> will help you understand more about the ins and outs of these businesses.</p> <p><strong>Investors</strong></p> <p>For most investor matters, like dividend yield, capital growth and risks, the <em>IRG Yearbook</em> has many of these details in an easy-to-read format.</p> <p>To find out more about investing or to become and active investor, take a look at <span style="text-decoration: underline;"><strong><a href="http://www.sharechat.co.nz/?utm_source=over60s&amp;utm_medium=cpm&amp;utm_campaign=fathersday16" target="_blank">www.sharechat.co.nz</a></strong></span> website. It’s a free service that allows you to see the company’s announcements as they happen or “After the Bell” (end of day summary).</p> <p><a href="http://www.irg.co.nz/?utm_source=over60s&amp;utm_medium=cpm&amp;utm_campaign=fathersday16" target="_blank"><img width="98" height="138" src="https://oversixtydev.blob.core.windows.net/media/26691/yb_1_148x208.jpg" alt="YB_1" style="float: left;"/></a></p> <p>If you want to read up on all things investing and discover how fun it can be to dive into all of the knowledge available, investing in an <em>IRG Yearbook</em> is another good option. You will be able to imbue yourself with fun facts such as, who owns the car brand Jaguar; who owns New Zealand’s largest listed honey business and so much more.</p> <p>For further information on Share Chat or to get a copy of an <em>IRG Yearbook</em>, visit <span style="text-decoration: underline;"><strong><a href="http://www.sharechat.co.nz/?utm_source=over60s&amp;utm_medium=cpm&amp;utm_campaign=fathersday16" target="_blank">www.sharechat.co.nz</a></strong></span> or <strong><span style="text-decoration: underline;"><a href="http://www.irg.co.nz/?utm_source=over60s&amp;utm_medium=cpm&amp;utm_campaign=fathersday16" target="_blank">www.irg.co.nz</a></span></strong> today.</p> <p>THIS IS AN ADVERTORIAL</p>

Money & Banking

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11 interesting facts about flying

<p>For something that’s become such a large part of our lives, there’s still so much most of us (outside the aviation experts of course) don’t know about flying.</p> <p>We’ve put together a list containing 11 of the most interesting facts about air travel.</p> <p>Some of these will provide a real lightbulb moment, some of these will have you wanting to learn a little more and others will leave you scratching your head!</p> <p>1. Qantas is the world’s second oldest airline, having been established in 1920.</p> <p style="text-align: justify;"><img width="500" height="281" src="https://oversixtydev.blob.core.windows.net/media/17839/shutterstock_388740112_500x281.jpg" alt="QANTAS plane"/></p> <p>2. The world’s oldest airline is KLM, the flag carrier airline of The Netherlands.</p> <p>3. At Chicago O’Hare’s International Airport an aircraft takes off or lands on every 37 seconds.</p> <p>4. Pilots and co-pilots are required to eat different meals in case of food poisoning.</p> <p>5. Each Boeing 747 is made up of six million individual parts.</p> <p>6. Singapore Airlines spends over $700 million on food and wine for passengers every year. </p> <p style="text-align: justify;"><img width="500" height="281" src="https://oversixtydev.blob.core.windows.net/media/17840/shutterstock_380382934_500x281.jpg" alt="Singapore Airlines plane"/></p> <p>7. In the 80’s, the head of American Airlines found out that he could save the company $40,000 a year by removing one olive form each in-flight dinner salad served to passengers.</p> <p>8. In the event of a crash the back of the plane is the safest place<a href="/travel/international-travel/2015/12/safest-place-to-sit-on-a-plane/" target="_blank"></a> to sit. According to a study from Time magazine the middle seats near the rear of the plane seem to be the safest.</p> <p>9. As planes take off the atmosphere inside the cabin dries our nose and as it rises the change in cabin pressure actually <a href="http://www.nytimes.com/2012/03/11/business/airlines-studying-the-science-of-better-in-flight-meals.html?pagewanted=all&amp;_r=1" target="_blank"><strong><span>numbs around a third of our taste buds</span></strong></a>, which may be part of the reason why you found the in-flight meal is so unappetising!</p> <p>10. The white trail left by a plane can provide a vague predication of the weather. Thin, shorter-lasting trails generally correspond with low-humidity air and fair weather, while thick, longer-lasting tails can be the early indicators of a storm.</p> <p style="text-align: justify;"><img width="500" height="281" src="https://oversixtydev.blob.core.windows.net/media/17841/shutterstock_367706966_500x281.jpg" alt="plane"/></p> <p>11. Hartsfield–Jackson Atlanta International Airport is considered the world’s busiest airport with 930,000 take offs and landings registered every year.</p> <p><strong>Related links:</strong></p> <p><a href="/travel/travel-tips/2016/03/airports-you-should-try-and-avoid/"><span style="text-decoration: underline;"><em><strong>8 airports you should try and avoid</strong></em></span></a></p> <p><span style="text-decoration: underline;"><em><strong><a href="/travel/travel-tips/2016/03/teen-saves-flying-sheffield-to-essex-via-germany/">Teen saves money by flying from Sheffield to Essex via Germany</a></strong></em></span></p> <p><a href="/travel/travel-tips/2016/02/jetstar-passenger-furious-windowless-window-seat/"><span style="text-decoration: underline;"><em><strong>Passenger’s fury over “windowless” window seat on plane</strong></em></span></a></p>

Travel Tips

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The interesting evolution of the suit through the ages

<p>When we look at suits today, we are spoiled for choice when deciding the cut, style and colours. However, they have a long and rich history of transformation that has solidified them as one of the most character allusive items in a man’s wardrobe.</p> <p>In the 1800s, Beau Brummell’s influence took the dress coats of medieval times and made the extravagant clothes more sombre. From the 1800s onward, it becomes easier to follow trends through the Regency period through the Victorian era, when frockcoats were the rage. We circumnavigated our way in and out of the trends of bright colours, long tails, top hats and tuxedos<span style="text-decoration: underline;">.<strong><a href="http://artofstyle.hucklebury.com/evolution-of-mens-suits/" target="_blank"> The infographic below</a></strong></span> goes into illustrative detail that shows how fashion is shaped by culture and society.</p> <p><img width="500" height="1915" src="https://oversixtydev.blob.core.windows.net/media/16583/suits-infographic_500x1915.jpg" alt="Suits Infographic" style="display: block; margin-left: auto; margin-right: auto;"/></p> <p><strong>Related links:</strong></p> <p><strong><span style="text-decoration: underline;"><em><a href="http://www.oversixty.co.nz/lifestyle/beauty-style/2016/02/style-tips-from-james-dean/">Style tips from James Dean</a></em></span></strong></p> <p><strong><span style="text-decoration: underline;"><em><a href="http://www.oversixty.co.nz/lifestyle/beauty-style/2015/12/style-lessons-redford-newman-and-mcqueen/">Timeless style tips from Redford, Newman and McQueen</a></em></span></strong></p> <p><strong><span style="text-decoration: underline;"><em><a href="http://www.oversixty.co.nz/lifestyle/beauty-style/2016/01/100-years-wedding-dress-video/">100 years of wedding dress styles in three minutes</a></em></span></strong></p>

Beauty & Style

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The most interesting person on Australian TV

<p>You would think a wardrobe worthy of <a href="/lifestyle/beauty-style/2015/10/style-lessons-from-iris/%20%20"><span style="text-decoration: underline;"><em><strong>Iris Apfel</strong></em></span></a> and a serious news anchor would not be a match made in heaven.</p> <p>However Lee Lin Chin is not your average news anchor.</p> <p>In her 20-year tenure on Australia's SBS World News, she has donned some of the most outrageous outfits seen on such a serious TV segment. </p> <p>As on new site reported, the highly regarded reporter has become famous not only for her journalistic talent but also for the weird and wacky outfits she chooses to wear.</p> <p>Some of these include elaborate collars, a safari-styled suit, a top reminiscent of a blue birdcage, and a silver ruffled collared dress. The sharp-witted fashion guru is also known for her sense of humour on social media, with some of her outfits even having their own Facebook page. </p> <p>Chin's 23-year career has seen her look change from a heavy dark bob to a short grey pixie cut, and her round-rimmed glasses have been replaced with rectangular frames.<br /> <br /> Her fashion off-screen also has her winning hearts, with one of her red carpet looks including a large black veil, white dress and lace leggings.</p> <p>On the night she tweeted: "For those asking I'm not nominated tonight. I don't read the news for awards, I do it for the money, fame and babes."</p> <p>The quirky presenter also tweeted she was "Australia's premiere bad b****", and asked to join American pop singer Taylor Swift's "squad".</p> <p>This clip showcases the last 20 years of Chin's career.</p> <p>Chin, we adore you.</p> <p><a href="/video/?bctid=%204759172818001"><img width="561" height="314" src="https://oversixtydev.blob.core.windows.net/media/15739/lee-chin_561x314.jpg" alt="Lee Chin"/></a></p> <p><em><strong><span style="text-decoration: underline;">First appeared on </span></strong></em><a href="http://www.stuff.co.nz/" target="_blank"><span style="text-decoration: underline;"><em><strong>Stuff.co.nz </strong></em></span></a></p> <p><strong>Related links:</strong></p> <p><span style="text-decoration: underline;"><em><strong><a href="/lifestyle/beauty-style/2015/11/ways-to-style-short-hair/">12 age defying ways to style short hair</a></strong></em></span></p> <p><span style="text-decoration: underline;"><em><strong><a href="/lifestyle/beauty-style/2015/10/age-defying-hair-tips/">6 tips for healthy hair that defy ageing</a></strong></em></span></p> <p><span style="text-decoration: underline;"><em><strong><a href="http://www.oversixty.co.nz/lifestyle/beauty-style/2016/02/perfumes-that-defined-a-decade/">The most popular perfumes that defined a decade</a></strong></em></span></p>

Beauty & Style

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Cadbury announce very interesting new flavours

<p>Few things cause Australians to get up in arms but a change to the Cadbury milk chocolate flavours is one of them. The chocolate giant have announced they are innovating with flavours, but their new suggestions of Kale Crème, Wasabi Crunch and Beetroot Jelly is dividing public opinion.</p> <p>Chocolate inventor Dave Shepard says the new flavours are part of the brands goal for “innovation and experimentation. Past innovations have included Nut Crunch and Marvellous Creations bars, both of which were received well. On the other end of the spectrum is Cadbury’s release of Vegemite flavoured milk chocolate, a controversial release.  </p> <p>The new flavour ideas are said to reflect social trends towards new, quirky taste combinations. Kale Crème is believed to tap into a rise in demand for savoury chocolate flavours, will Beetroot Jelly is aimed at superfood-lovers and Wasabi Crunch targets the “popularity of Asian flavours,” according to Shepard.</p> <p>“We like to think of it as akin to the fashion catwalk — we’re experimenting with ideas that won’t actually appear on the shelves,” he said. “Instead you may see new flavours inspired by these further down the line.</p> <p>While you may not see the whacky chocolates in single bars in the supermarket aisle during your next shop, they might make their way into the Cadbury Milk Tray.</p> <p>Tell us: would you try Cadbury’s wacky new flavour innovations?</p> <p><strong>Related links: </strong></p> <p><strong><a href="http://www.oversixty.co.nz/news/news/2015/12/3-ingredient-cheesecake-recipe/">Why are people going crazy for this cheesecake recipe from Japan?</a></strong></p> <p><strong><a href="http://www.oversixty.co.nz/news/news/2015/12/chocolate-slices-invention/">You can now buy slices of chocolate just like cheese singles</a></strong></p> <p><strong><a href="http://www.oversixty.co.nz/lifestyle/food-wine/2015/11/chocolate-chip-blondies/">Chocolate chip blondies</a></strong></p>

News