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Research reveals how long it takes Aussies to save for a holiday

Saving up for a holiday can seem like an overwhelming task, but some destinations are easier to save for than others. According to new research by <a href="http://money.com.au/">money.com.au</a>, nearly a third of travellers - or 31 percent - need on average a year to save for a trip, while 29 percent of Aussies save for up to six months before jetting off. For 18 percent of travellers, it takes more than a year to save for a trip, while just 13 percent of Aussies manage to save for a holiday in less than three months. On the flip side, 7 percent of eager travellers decide to skip saving altogether and cover their holiday expenses fully on a credit card, while just 2 percent opt for a personal loan to fund their trips. Money.com.au's Finance Expert, Sean Callery said of the survey, "Our research also shows that travel is the one expense Australians aren't willing to forgo, no matter their financial goals or income level." "Going into debt for a holiday brings additional costs and risks. It's important to have a plan for clearing the debt as quickly as possible." With these saving trends in mind, the experts have crunched the numbers to estimate how long it would take the average Aussie to save for a trip to the most popular overseas holiday destinations. The saving time for each location was calculated based on a 10 per cent savings rate of the average weekly earnings of $1,923.40 (from ABS data). Two of the quickest destinations to save for are China and Thailand, while other destinations the experts say you can save for in around half a year include New Zealand, Vietnam and Singapore. Image credits: Shutterstock

Travel Tips

Full House star's devastating cancer diagnosis

Dave Coulier has revealed his devastating cancer diagnosis The Full House star told the US Today show about his "roller coaster" health struggle on Wednesday. After finding out that he was diagnosed with stage 3 non-Hodgkin lymphoma, he said it felt like "I got punched in the stomach because it never happens to you," according to Page Six. Coulier, whose first symptom was a lump in his groin, noted that he was “on pins and needles for a few days” while waiting to hear whether the disease had spread “to any major organs or [his] blood or bones or anything.” While waiting for his results, the 65-year-old actor told his wife, Melissa Coulier that he accepted his fate. “I’m OK with whatever the news [is] going to be no matter how devastating. … I’ve had an incredible life. I’ve had the most amazing people in my life. This has been an extraordinary journey, and I’m OK if this is the end of the journey”. Fortunately the cancer has not moved outside of his lymphatic system, and since then the actor has started chemotherapy, which he said was “intense” and “scared the daylights” out of him. “There [are] days where I feel unbelievable,” he said. “Then there’s other days where … I’m just going to lay down and let this be what it’s going to be”. Coulier is expected to finish treatment in February 2025 after undergoing six rounds of chemo every three weeks. While the diagnosis was initially shocking, the actor has assured his fans that the curability rate is promising. Image: Ralph Dominguez/MediaPunch/ Shutterstock Editorial

Caring

Coldplay bring out Hollywood cameo for Aussie show

Coldplay have shocked the crowd at their Melbourne concert by bringing out a 1980s movie legend to the stage for a surprise cameo. Karate Kid Actor Ralph Macchio took to the stage during the show to help the band perform their song The Karate Kid, from their new album Moon Music. Macchio, 62, lip-synched to frontman Chris Martin’s vocals, before the pair embraced warmly in front of the crowd at the sold-out gig. <blockquote class="twitter-tweet" data-media-max-width="560"> NEWS • Karate Kid Actor Ralph Macchio took to the stage during today’s show in Melbourne to shoot the music video for "The Karate Kid". | <a href="https://twitter.com/hashtag/ColdplayMelbourne?src=hash&ref_src=twsrc%5Etfw">#ColdplayMelbourne</a> 🇦🇺 He lip synced to Chris's voice 🥋🎤 🎥<a href="https://twitter.com/coldplaybrasil?ref_src=twsrc%5Etfw">@coldplaybrasil</a> <a href="https://t.co/bWP1YN79G3">pic.twitter.com/bWP1YN79G3</a> — Coldplay United Kingdom (@ColdplayUK_) <a href="https://twitter.com/ColdplayUK_/status/1851967580363255983?ref_src=twsrc%5Etfw">October 31, 2024</a></blockquote> Macchio became a household name in the 1980s for playing Daniel LaRusso in three Karate Kid films, and more recently has reprised the iconic role in the Netflix series Cobra Kai. According to a Coldplay fan account on social media, the footage of the actor’s on-stage cameo will be used as a music video when The Karate Kid is released as a single. The famous actor had earlier been spotted in the audience at Coldplay’s Wednesday show at Melbourne’s Marvel Stadium, having flown from New York to attend the gig. Image credits: X/Sonia Moskowitz Gordon/ZUMA/Shutterstock Editorial

Music

What are house dust mites and how do I know if I’m allergic to them?

<a href="https://theconversation.com/profiles/deryn-lee-thompson-1449312">Deryn Lee Thompson</a>, <a href="https://theconversation.com/institutions/university-of-south-australia-1180">University of South Australia</a> People often believe they are allergic to <a href="https://ahd.csiro.au/everything-in-our-homes-gathers-dust-but-what-exactly-is-it-where-does-it-come-from-and-why-does-it-keep-coming-back-is-it-from-outside-is-it-fibres-from-our-clothes-and-cells-from-our-skin/">house dust</a>. But of the <a href="https://www.allergy.org.au/patients/allergy-treatments/allergen-minimisation">20% of Australians</a> suffereing with allergies, a number are are actually allergic to microscopic <a href="https://www.healthdirect.gov.au/dust-mites">house dust mites</a>. House dust mites belong to the same family as spiders and ticks. They measure just 0.2-0.3 mm, with 50 fitting on a single pinhead. They <a href="https://www.intechopen.com/chapters/71977">live</a> for 65–100 days, and females lay 60–100 eggs in their life. House dust mites love temperate climates and humidity. They feed off the skin cells we and animals shed, as well as mould, which they digest using special enzymes. These enzymes are excreted in their poo about <a href="https://www.intechopen.com/chapters/71977">20 times a day</a>. They also shed fragments of their exoskeletons. All these fragments trigger allergies in people with this type of allergic rhinitis (which is also known as hay fever) <h2>What are the symptoms?</h2> When people with house dust mite allergy inhale the allergens, they penetrate the mucous membranes of the airways and eyes. Their body recognises the allergens as a threat, releasing chemicals including one called histamine. This causes symptoms including a runny nose, an itchy nose, eyes and throat, sneezing, coughing and a feeling of mucus at the back of your throat (known as a post-nasal drip). People with this type of allergy usually mouth breath, snore, rub their nose constantly (creating a nasal crease called the “dust mite salute”) and have dark shadows under their eyes. House dust mite allergy <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC7328274/">can also cause</a> poor sleep, constant tiredness, reduced concentration at work or school and lower quality of life. For people with eczema, their damaged skin barrier can allow house dust mite proteins in. This prompts immune cells in the skin to <a href="https://academic.oup.com/bjd/article/190/1/e5/7485663">release chemicals</a> which make already flared skin become redder, sorer and itchier, especially in children. Symptoms of house dust mite allergy occur year round, and are often worse after going to bed and when waking in the morning. But people with house dust mite allergy and pollen allergies find their year-round symptoms worsen in spring. <h2>How is it diagnosed?</h2> House dust mite allergy symptoms often build up over months, or even years before people seek help. But an accurate diagnosis means you can not only access the right treatment – it’s also vital for minimising exposure. Doctor and nurse practitioners can order a <a href="https://www.allergy.org.au/patients/allergy-treatments/allergen-minimisation">blood test</a> to check for house dust mite allergy. Alternatively, health care providers with <a href="https://www.allergy.org.au/hp/a-career-in-clinical-immunology-and-allergy">specialised allergy training</a> can perform skin prick tests. This involves placing drops of the allergens on the arm, along with a positive and negative “control”. After 15 minutes, those who test positive will have developed a mosquito bite-like mark. <h2>How is it treated?</h2> Medication options include one or a combination of: <ul> <li>daily non-sedating antihistamines</li> <li>a steroid nasal spray</li> <li>allergy eye drops.</li> </ul> Your health care professional will work with you to develop a <a href="https://www.allergy.org.au/images/stories/pospapers/ar/ASCIA_HP_Allergic_Rhinitis_2022.pdf">rhinitis (hay fever) medical management plan</a> to reduce your symptoms. If you’re using a nasal spray, your health provider will <a href="https://www.youtube.com/watch?v=_ytYj1TLojM">show you how to use it</a>, as people often use it incorrectly. If you also have <a href="https://www.nationalasthma.org.au/understanding-asthma/how-is-asthma-managed">asthma</a> or eczema which is worsened by dust mites, your health provider will adapt your <a href="https://www.nationalasthma.org.au/health-professionals/asthma-action-plans">asthma action plan</a> or <a href="https://medcast.com.au/qhub/eczema/resources">eczema care plan</a> accordingly. If you experience severe symptoms, a longer-term option is <a href="https://www.allergy.org.au/images/pc/ASCIA_PC_Allergen_Immunotherapy_FAQ_2024.pdf">immunotherapy</a>. This aims to gradually turn off your immune system’s ability to recognise house dust mites as a harmful allergen. Immunotherapy involves taking either a daily sublingual tablet, under the tongue, or a series of injections. Injections require monthly attendances over three years, after the initial weekly build-up phase. These are <a href="https://theconversation.com/im-considering-allergen-immunotherapy-for-my-hay-fever-what-do-i-need-to-know-190408">effective</a>, but are costly (as well as time-consuming). So it’s important to weigh up the potential benefits and downsides with your health-care provider. <h2>How can you minimise house dust mites?</h2> There are also important allergy minimisation measures you can take to reduce allergens in your home. Each week, <a href="https://www.allergy.org.au/component/finder/search?q=minimisation&Itemid=100001">wash</a> your bedding and pyjamas in hot water (over 60°C). This <a href="https://www.nationalasthma.org.au/living-with-asthma/resources/patients-carers/factsheets/dust-mites-trigger-my-asthma">removes</a> house dust mite eggs and debris. Opt for doonas, covers or quilts that can be washed in hot water above 60°C. Alternatively, low-cost waterproof or leak proof covers can keep house dust mites out. If you can, favour blinds and wood floors over curtains and carpet. Dust blinds and surfaces with a damp cloth each week and vacuum while wearing a mask, or have someone else do it, as house dust mites can become airborne during cleaning. But beware of costly products with big marketing budgets and little evidence to support their use. A new mattress, for example, will always be house dust mite-free. But once slept on, the house dust mite life cycle can start. Mattress protectors and toppers commonly claim to be “hypoallergenic”, “anti-allergy” or “allergy free”. But their pore sizes are not small enough to keep house dust mites and their poo out, or shed skin going through. Sprays claiming to kill mites require so much spray to penetrate the product that it’s likely to become wet, may smell like the spray and, unless dried properly, may grow mould. Finally, claims that expensive vacuum cleaners can extract all the house dust mites are unsubstantiated. For more information, visit <a href="https://www.healthdirect.gov.au/dust-mites">healthdirect.gov.au</a> or the <a href="https://www.allergy.org.au/patients/allergy-treatments/allergen-minimisation">Australian Society of Clinical Immunology and Allergy</a>.<img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/240918/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/deryn-lee-thompson-1449312">Deryn Lee Thompson</a>, Eczema and Allergy Nurse; Lecturer, <a href="https://theconversation.com/institutions/university-of-south-australia-1180">University of South Australia</a> Image credits: Shutterstock This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/what-are-house-dust-mites-and-how-do-i-know-if-im-allergic-to-them-240918">original article</a>.

Body

5 items you’re cleaning too much

Cleaning the house is no easy feat. To make life a little easier for you, here are five items you are probably cleaning more than you need to. 1. Clothes worn once For particular items of clothing such as gym gear, shirts and tights it is fine to wash clothes after every wear. However, most other items can be worn up to three times advises Carolyn Forte, the director of the Cleaning Lab at the Good Housekeeping Institute. "Over-washing and over-drying fabrics can cause fading and wear,” she said. Studies have also shown that it is ideal to wash bath towels after three uses. 2. Dinner plates Instead of spending time rinsing your plates before putting them in the dishwasher, just make sure all the food is scrapped off. "Pre-washing dishes is a waste of time and energy,” said Carolyn. "If you aren't running it right away, let the dishwasher rinse them with a 'rinse only' cycle." 3. Light Fixtures It can be tempting to dust your light fixtures every week but Carolyn advises saving your strength from a different household task. She advises that you can get away with cleaning light fixtures once a month. 4. Jackets In the cooler months jackets are worn every day. However, this necessity only needs to be washed every three months. Jackets don’t usually come into contact with skin cells or natural oils, which allows them to go longer between washes than other clothes. 5. Curtains Curtains need to be washed if you get any marks on them but if they are in pristine condition, according to Carolyn they only need to be cleaned once a year. Image credits: Shutterstock

Home & Garden

10 rules every good house guest follows

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

Home & Garden

Is it worth selling my house if I’m going into aged care?

<a href="https://theconversation.com/profiles/colin-zhang-1234147">Colin Zhang</a>, <a href="https://theconversation.com/institutions/macquarie-university-1174">Macquarie University</a> For senior Australians who cannot live independently at home, residential aged care can provide accommodation, personal care and general health care. People usually think this is expensive. And many assume they need to sell their home to pay for a lump-sum deposit. But that’s not necessarily the case. Here’s what you need to consider. <h2>You may get some financial support</h2> Fees for residential aged care are complex and can be confusing. Some are for your daily care, some are means-tested, some are for your accommodation and some pay for extras, such as cable TV. But it’s easier to think of these fees as falling into two categories: <ul> <li> an “entry deposit”, which is usually more than <a href="https://www.health.gov.au/sites/default/files/documents/2020/06/eighth-report-on-the-funding-and-financing-of-the-aged-care-industry-july-2020-eighth-report-on-the-funding-and-financing-of-the-aged-care-industry-may-2020.pdf">$A300,000</a>, and is refunded when you leave aged care </li> <li> daily “<a href="https://www.myagedcare.gov.au/aged-care-home-costs-and-fees">ongoing fees</a>”, which are $52.71-$300 a day, or more. These cover the basic daily fee, which everyone pays, and the means-tested care fee. </li> </ul> To find out how much government support you’ll receive for both these categories, you will have a “<a href="https://www.myagedcare.gov.au/income-and-means-assessments/#aged-care-home">means test</a>” to assess your income and assets. This means test is similar (but different) to the means test for the aged pension. Generally speaking, the lower your aged-care means test amount, the more government support you’ll receive for aged care. With full support, you don’t need to pay an “entry deposit”. But you still need to pay the basic daily fee (currently, <a href="https://www.myagedcare.gov.au/aged-care-home-costs-and-fees">$52.71</a> a day), equivalent to 85% of your aged pension. If you get partial support, you pay less for your “entry deposit” and ongoing fees. <h2>You don’t need a lump sum</h2> You don’t have to pay for your “entry deposit” as a lump sum. You can choose to pay a rental-style daily cost instead. This is calculated as follows: you multiply the amount of the required “entry deposit” by the maximum permissible interest rate. This rate is set by government and is currently at <a href="https://www.health.gov.au/sites/default/files/documents/2021/03/schedule-of-fees-and-charges-for-residential-and-home-care-schedule-from-20-march-2021_0.pdf">4.01%</a> per year for new residents. Then you divide that sum by 365 to give a daily rate. This option is like borrowing money to pay for your “entry deposit” via an interest-only loan. You can also pay for your “entry deposit” with a combination of a lump sum and a daily rental cost. As it’s not compulsory to pay a lump sum for your “entry deposit”, you have different options for dealing with your family home. <h2>Option 1: keep your house and rent it out</h2> This allows you to use the rental-style daily cost to finance your “entry deposit”. Pros <ul> <li> you could have more income from rent. This can help pay for the rental-style daily cost and “ongoing fees” of aged care </li> <li> you might have a special sentimental attachment to your family house. So keeping it might be a less confronting option </li> <li> keeping an expensive family house will not heavily impact your residential aged care cost. That’s because any value of your family house above <a href="https://www.health.gov.au/sites/default/files/documents/2021/03/schedule-of-fees-and-charges-for-residential-and-home-care-schedule-from-20-march-2021_0.pdf">$173,075.20</a> will be excluded from your <a href="https://www.servicesaustralia.gov.au/organisations/health-professionals/services/aged-care-entry-requirements-providers/residential-care/residential-aged-care-means-assessment">means test</a> </li> <li> you can still access the capital gains of your house, as house prices rise. </li> </ul> Cons <ul> <li> your rental income needs to be included in the means test for your aged pension. So you might get less aged pension </li> <li> you might need to pay income tax on the rental income </li> <li> compared to the lump sum payment, choosing the rental-style daily cost means you will end up <a href="https://www.smh.com.au/money/super-and-retirement/seek-help-when-weighing-up-how-to-pay-for-your-aged-care-20191202-p53g16.html">paying more</a> </li> <li> you are subject to a changing rental market. </li> </ul> <h2>Option 2: keep your house and rent it out, with a twist</h2> If you have some savings, you can use a combination of a lump sum and daily rental cost to pay for your “entry deposit”. Pros <ul> <li> like option 1, you can keep your house and have a steady income </li> <li> the amount of lump sum deposit will not be counted as an asset in the pension means test. </li> </ul> Cons <ul> <li> like option 1, you could have less pension income, higher age-care costs and need to pay more income tax </li> <li> you have less liquid assets (assets you could quickly sell or access), which could be handy in an emergency. </li> </ul> <h2>Option 3: sell your house</h2> If you sell your house, you can use all or part of the proceeds to pay for your “entry deposit”. Pros <ul> <li> if you have any money left over after selling your house and paying for your “entry deposit”, you can invest the rest </li> <li> as your “entry deposit” is exempt from your aged pension means test, it means more pension income. </li> </ul> Cons <ul> <li>if you have money left over after selling your house, this will be included in the aged-care means test. So you can end up with less financial support for aged care.</li> </ul> <h2>In a nutshell</h2> Keeping your house and renting it out (option 1 or 2) can give you a better income stream, which you can use to cover other living costs. And if you’re not concerned about having access to liquid assets in an emergency, option 2 can be better for you than option 1. But selling your house (option 3) avoids you being exposed to a changing rental market, particularly if the economy is going into recession. It also gives you more capital, and you don’t need to pay a rental-style daily cost. <hr /> This article is general in nature, and should not be considered financial advice. For advice tailored to your individual situation and your personal finances, please see a qualified financial planner. Correction: this article previously stated the amount of lump sum deposit will not be counted as an asset in the aged-care means test, as a pro of option 2. In fact, the amount of lump sum deposit will not be counted as an asset in the pension means test.<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/161674/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/colin-zhang-1234147">Colin Zhang</a>, Lecturer, Department of Actuarial Studies and Business Analytics, <a href="https://theconversation.com/institutions/macquarie-university-1174">Macquarie University</a> Image credits: Shutterstock This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/is-it-worth-selling-my-house-if-im-going-into-aged-care-161674">original article</a>.

Retirement Income

How fear of missing out can lead to you paying more when buying a home

<a href="https://theconversation.com/profiles/park-thaichon-175182">Park Thaichon</a>, <a href="https://theconversation.com/institutions/university-of-southern-queensland-1069">University of Southern Queensland</a> The property market is a competitive space where finding a nice home, in the area you want, at a price you can afford is a hard ask. With buyers outnumbering available properties, the pressure is even greater causing some would-be buyers to develop <a href="https://health.clevelandclinic.org/understanding-fomo">a fear of missing out</a> (FOMO) and to make irrational decisions. FOMO might make you worry others are finding nicer homes and getting better deals, or that prices will rise to the point where you are priced out of the market altogether. This could cause you to pay too much or to buy a property in an area unsuitable for your needs. Then there is <a href="https://www.psychologytoday.com/au/blog/counseling-keys/202103/overcoming-fear-of-making-mistakes">fear of making a mistake</a> (FOMM), which can also cause problems if you’re a home hunter. You might be reluctant to bid or to negotiate because you are afraid of choosing the wrong property or paying more than it’s worth. <h2>Problems caused by FOMO and FOMM</h2> The principles of contagion theory, crowd psychology and the scarcity principle we identified in <a href="https://onlinelibrary.wiley.com/doi/epdf/10.1111/ijcs.12649?casa_token=271MN72XdP8AAAAA%3AfhYF_2yUJtM7KGv5jvFdXn5UsXQLkMcIM_F6hffYa30QaSdRivjf2mhFX-cr5C7ttCuLl1-e2OFYXBA">our research</a> on panic-buying during the pandemic, can be applied to any purchasing decisions. In this instance we applied them to buying properties in a competitive housing market. <a href="https://www.communicationtheory.org/contagion-theory/">Contagion theory</a> applies when people act irrationally under the influence of a crowd. <a href="https://www.bestvalueschools.com/faq/what-is-crowd-psychology/">Crowd psychology</a> is similar but relates to how a crowd behaves in certain circumstances, while <a href="https://www.indeed.com/career-advice/career-development/scarcity-principle">scarcity principle</a> is the idea if there are fewer items available, their value increases. Each of these can increase the likelihood of several behaviours when purchasing a property. These include: <ul> <li>Underbidding and overbidding</li> </ul> Fearing other buyers might get the house, house hunters might get caught up in a bidding war and end up paying more than planned. Conversely, buyers with FOMM might fear spending too much so bid too low to start with and risk losing the house. <ul> <li>Following the crowd and peer pressure influence</li> </ul> Buyers might feel <a href="https://link.springer.com/article/10.1007/s11403-021-00324-7">pressured to buy</a> in a certain area because it’s popular, even if it is not best fit for them. This can lead to paying more for a house just because others are doing the same. <ul> <li>Delaying decisions</li> </ul> FOMM can lead to <a href="https://onlinelibrary.wiley.com/doi/abs/10.1111/ijcs.12990?casa_token=ZhJnLBOwVxUAAAAA%3AW5haHZKSA1rFQsRNdvw0liOoyvdxl0OrFR2phkhGfYC6TnWRv9EsnV-N8w52CmcnAVb8X2yU1obpIjKx">taking too long to decide</a>. This delay can mean missing out on good deals or being forced to rush into a decision and end up overpaying. <ul> <li>Avoiding negotiation</li> </ul> Some buyers might avoid negotiating the price or special conditions such as building and pest inspections and finance approval because they fear the seller will reject their offer. This can result in paying more than they need to if there are problems later. <ul> <li>Excessive inspections and appraisals</li> </ul> While inspections and appraisals are important, too many can suggest indecisiveness driven by fear, resulting in wasted money on unnecessary assessments, and more importantly, wasted time and delayed decisions. <h2>Removing fear from the buying process</h2> Start with thorough research and preparation by learning about different neighbourhoods and house prices. The history of properties and suburbs can be found for free on property websites and is a good place to start. Seek professional guidance from real estate agents or financial advisers to help you through the process. Get insights on market trends from an agent from a selling company or bank to help find homes that meet your criteria. Keep in mind these agents will get some form of incentive from your purchase. All the big banks or loan officers can provide free property reports on specific properties or suburbs. Don’t forget to check council mapping and water authority documents to check for potential future road projects and other developments and for an area’s flood rating. Perform due diligence by thoroughly inspecting properties and reviewing contracts to ensure they meet your needs and are a good investment. For example, it is a good idea to hire a home inspector to check for any hidden issues before making an offer. Another common mistake made by most buyers is not asking their <a href="https://www.qld.gov.au/law/housing-and-neighbours/buying-and-selling-a-property/buying-a-home/before-you-start-looking/appointing-a-solicitor">solicitor</a> to check and give suggestions before signing a contract or offer. A solicitor can check the sale contract before you sign, review the disclosure documents, give advice on your mortgage contract, carry out title searches and explain the results and explain how the purchase may affect your liability for land tax. Do some contingency planning by preparing for unexpected price increases and for the presence of other strong bidders to reduce anxiety about making the wrong decision. Setting aside extra funds could help deal with higher than expected prices or unexpected repairs that need doing. In the end, plan well and make decisions without letting emotions take over. Taking your time to find the right home that fits your budget and goals, rather than rushing into a purchase due to fear of missing out or making a mistake.<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/233197/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/park-thaichon-175182">Park Thaichon</a>, Associate Professor of Marketing, <a href="https://theconversation.com/institutions/university-of-southern-queensland-1069">University of Southern Queensland</a> Image credits: Shutterstock This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/how-fear-of-missing-out-can-lead-to-you-paying-more-when-buying-a-home-233197">original article</a>.

Money & Banking

Sombre Aussie site tops global list of most unusual abandoned places

Each year, thousands of people travel to famous abandoned buildings and hotspots to explore what were once important landmarks. Some deserted sites are more popular than others, as these ten sites received tens of thousands of visitors each year. Buzludzha, Bulgaria The Buzludzha Monument in central Bulgaria has been dubbed the tenth most famous abandoned place in the world, each year welcoming over 18,000 people. The site was constructed in 1981 and used by the Bulgarian communist government, and was in use until the collapse of the Soviet Union in 1989. Ohio State Reformatory, USA After first opening in 1898, the goal of the Ohio State Reformatory was to truly "reform" and rehabilitate its inmates. The facility was closed in 1990, and each year attracts more than 21,000 visitors. Gereja Ayam, Indonesia The uniquely shaped house of prayer in Central Java continues to be a popular tourist attraction in Indonesia, welcoming more than 50,000 travellers each year. Construction on the church was never completed after work was halted in 2000. Lago di Resia Bell Tower, Italy The 14-century sunken bell tower can be found near the border of Switzerland, emerging from the water from a sunken village where travellers claim they can hear bells tolling, even though there are no bells in the tower. The lonely (and probably haunted) tower receives more than 54,000 tourists each year. Canfranc, Spain The abandoned railway station is located in the Spanish municipality of Canfranc, close to the French border and once was a major hub for cross-border railway traffic. It first opened in 1928, but closed its doors by 1970 before it was reimagined as a hotel. Beelitz Military Hospital, Germany The large hospital complex was first built in 1898 as a sanatorium, but was transformed into a hospital at the beginning of WWI and has been abandoned since 1990. It's understood Hitler was treated here after being wounded in the Battle of Somme, which could be the reason more than 64,000 travellers flock there each year. Eastern State Penitentiary, USA The prison in Philadelphia, Pennsylvania is described as one of the country's most historic prisons and has housed some famous prisoners such as Al Capone. The prison was closed in 1971 and is tagged on social media by more than 79,000 every year. Croix-Rouge, Paris Also known as the Red Cross, this Paris train station has been abandoned since 1939 after France entered WWII. The station was only functional for 16 years, and welcomes more than 95,000 curious travellers each year. Teufelsberg, Germany Teufelsberg was one of the largest listening towers in the world during the Cold war. The site was closed in 1972, but still receives around 128,000 every year. Port Arthur, Australia More than a quarter of a million visitors travel to Port Arthur in Tasmania each year. The site itself was first opened as a timber station in 1830 and is known as a symbol of the country's convict past. Image credits: Shutterstock

International Travel

Airbnb launches real-life "Up" house - and it actually floats!

Airbnb is taking its latest listing to the sky - literally. The accommodation provider has announced a partnership that will see the iconic house from Pixar's hit film Up being lifted into the air, balloons and all. In their ongoing quest to redefine hospitality, Airbnb has launched a permanent category called “Icons,” which features partnerships with brands and celebrities that promise unforgettable experiences. Suspended over the New Mexico desert with the aid of a crane, the property looks like an exact replica of the home and contains adorable easter eggs from the film - including the Adventure Book. “Icons take you inside worlds that only existed in your imagination — until now,” Airbnb CEO and co-founder Brian Chesky said in a statement. “As life becomes increasingly digital, we’re focused on bringing more magic into the real world … we’ve created the most extraordinary experiences on Earth." The house offers a stunning view of the desert, which you can enjoy while sitting on replica's of Ellie and Carl's chairs or have breakfast with a view in the kitchen. Alternatively, you could look at the stars while sitting on the front porch - but don't look down because the adventure is out there. Of course there are questions about the logistics of the stay, including plumbing and electricity, but the accommodation giant has assured that the house is “fully functional,” connected to generators and utilities that will be seamlessly managed before and after its flight. Other fantastical listings include a replica of the mansion from the “X-Men ’97” cartoon, a stay at the Ferrari Museum in Italy, and Prince's house that was featured in the legendary film Purple Rain. Check out the <a href="https://www.airbnb.com.au/rooms/1126185893236246260?_set_bev_on_new_domain=1715826165_M2NkZDdkODdhMjcy&source_impression_id=p3_1715826166_A20M4770EGAtl8AV&modal=PHOTO_TOUR_SCROLLABLE" target="_blank" rel="noopener">Up</a> listing here, be warned the sweet listing may make you shed a tear or two. Images: Airbnb

Real Estate

World's most expensive house up for sale

A French chateau, once owned by a member of the Rothschild family and, later on, the King of Morocco, has gone up for sale with a £363 million (AU$699) price tag. Chateau d’Armainvilliers located at Seine-et-Marne, 48km east of the Eiffel Tower, is the world's most expensive home. Built upon the foundations of a 12th century castle, the sprawling mansion boasts 1,000 hectares of land, 100 rooms across 2,500 square metres of living space, a private lake, and plenty of sequoia trees - the largest trees in the world. Ignace Meuwissen, a self-acclaimed "real estate advisor to the global elite" described the property as a display of "opulence and grandeur". "It is the most expensive castle in France and perhaps in the world. The price of €425million is justified by the property itself but also by the 1,000 hectare land which offers numerous possibilities," he told Paris Match magazine. "An investor could build thousands of apartments there if he wanted." The chateau was first bought by the Rothschild banking empird in the late 19th century, before King Hassan II of Morocco bought it in the 1980s. He then made the chateau more fit for a king, adding a hammam spa, a beauty and hairdressing salon, and a fully-equipped medical and dental facility. The Moroccan King also added a basement level, which has a network of tunnels, kitchens, cold rooms, storage spaces and staff quarters. The lucky owner will also find Moroccan mosaics and wall tiles decorating the home, and for any avid equestrians, the home also has a stable big enough for 50 horses. However, some luxury property agents have expressed their doubts on whether the property would sell with its nine-figure sum, with one saying it was an "unrealistic" price tag. "It doesn’t make sense, it’s absurd Properties of this type could sell for 20-25 million, or even 30 million if we really fall in love with them. I’m not even sure that Vaux-le-Vicomte (a Baroque French château), which has no marketing plans, would sell at this price," one agent told French real estate publication Le Figaro Immobilier. Others were unsure whether the changes made by the King in the 1980s would suit modern tastes. Images: Whisper Auctions

Real Estate

Surprising Aussie beach crowned best in the world

An iconic Australian beach has been named the best in the world in a prestigious list of the most picturesque coastlines on the planet. Each year, <a href="https://www.cntraveller.com/gallery/best-beaches-in-the-world" target="_blank" rel="noopener">Condé Nast Traveler</a> ranks the beaches from around the world to curate a list of 34 locations that every beach lover needs to visit. In the top ten list, five beaches from both Australia and New Zealand feature, living up to the countries reputations of stunning coastlines. With a “combination of leaning palm trees on powdery sand”, the publication crowned Palm Cove Beach as the best beach in the world, describing the spot in Queensland as “the epitome of a tropical paradise”. Located north of Cairns, the publication shared that Palm Cove is relatively “crowd free” and home to a range of unique wildlife. While many on social media were quick to agree with the winning location, others argued that there are beaches around Australia more deserving of the crown. “The only way you rank Palm Cove as the best beach in the world is if you have never been to Palm Cove or don’t like beaches,” one wrote. “Eyre Peninsula beaches leave Palm Cove for dead,” another added. “Best beach if you don’t ever want to go in the water. What about all the magic in WA?” one questioned. Check out the top 10 list of the world’s best beaches below. 10. Die Plaat, South Africa 9. Awaroa, South Island, New Zealand 8. Noosa Beach, Australia 7. Dune du Pilat, France 6. Mona Vale Beach, Australia 5. Ora Beach, Indonesia 4. Wategos Beach, Australia 3. Brekon, Shetland 2. Honopu Beach, Kauai, Hawaii 1. Palm Cove Beach, Australia Image credits: Shutterstock

International Travel

“What a legend”: Brave Aussie pensioner saves puppy from a snake

An Aussie pensioner has gone the extra mile to save her terrified puppy from a carpet snake. Anne Murphy, a woman from NSW’s Lennox Head, captured the moment her 80-year-old mother went toe-to-toe with the slippery intruder who was terrorising her dog and shared the interaction on a Facebook page called Australian Country Memes. According to Anne, her mother bolted out the door one Monday evening when she heard her dog “screaming”, when she was confronted with the carpet snake. The non-venomous snake had wrapped around the small dog and bitten it on the chin, when the 80-year-old intervened. The woman was “bitten three times” by the snake, before she “caught the snake so it could be taken out to the bush and hopefully not make its way back to her place”. She then took her puppy to the vet, and got home three hours after the incident first happened. The post has since received over 2,000 likes and hundreds comments, hailing the 80-year-old as a “legend“, “gutsy” and a “wonderful woman.” “She is a true blue here. My hat is off to you, amazing lady,” one person wrote. Another added, “Way to go! That’s just what country people do. God love her, they don’t make them like that anymore.” Image credits: Getty Images / Facebook

Family & Pets

9 things you should never touch in someone else’s house

A hands-off approach Nothing like a global pandemic to critically alter your lifelong and intrinsic sanitary practices, huh? And while we know coronavirus does not spread easily from surfaces, there are still plenty of other germs and bacteria that do. And it’s not always a matter of good hygiene – sometimes it’s just a matter of good manners! The door Of course, you can actually touch the door, but you should never do so to let yourself into someone else’s home without them, or without being invited. Always knock or ring the bell, even if it’s been left unlocked, unless someone has expressly told you that you don’t have to. And please, don’t show up knocking earlier than expected – it could be a huge inconvenience to your host. Their bathroom As with most of the things on this list, you should avoid this unless you’re specifically invited. Try not to stray after your trip to the bathroom for a look around – it’s definitely off-limits if you don’t have permission or are going in without your host knowing. Of course, there are exceptions, as it may not be so serious an offence if you know the person very well, or if one lives in a shared living space, a studio, or an apartment with limited space. And on that note, it’s best to wait until you’re invited to sit or relax on someone’s bed. Many people also find that a bedroom is a convenient place to store coats if there are guests coming over, but wait until they offer instead of assuming it’s OK. The floor - with your shoes on Depending on personal preferences or cultural norms, many households have a no-shoes-inside policy. Take the tip from your host – if they’re wearing shoes in their house, you can probably assume it’s OK for you. When in doubt, ask what they would prefer. Another place you shouldn’t be putting your feet? On the couch or coffee table. I can think of five good reasons you should ban shoes in the house, period. The fridge and cupboards This one might sound like it should go without saying, but some might not realize just how rude it is to help yourself to someone else’s food. If you’re hungry, let your host know, or suggest going out to eat. If you’re staying for a long time, your host will probably prepare and shop for food accordingly, but it’s a good idea to offer to bring or buy some groceries yourself. And if you came for dinner, eat what’s been prepared for you, and offer to bring a dish or wine to share. If you have a restricted diet, let your host know beforehand and prepare a dish to bring if it’s difficult to accommodate. Offer to help cook, and lend a hand with the dishes and cleanup. Countertops are absolutely one of those things you should be cleaning every day, regardless. The windows or thermostat Always let your hosts set the thermostat number – it’s their house, after all, and they’re the ones paying the bill for it. If you’re really too cold, a better option might be to ask to borrow a jumper, or extra blankets if you’ll be staying overnight. Too hot? Suggest an activity to help cool off, like going to a place with air conditioning. If you have a medical condition that makes you particularly sensitive to heat or cold, you should always inform your host ahead of time so you can make plans accordingly. Drawers and cabinets This one is definitely invasive of your host’s privacy. Don’t go rummaging for anything that’s not in plain sight or in the rooms your host is expecting you in. You might find it tempting to snoop, but the medicine cabinet is certainly off-limits. Workspaces, mail, or bills To go along with the last one, it’s always best to avoid snooping. In some homes, a guest bedroom might also double as a home office, so steer clear of using these spaces to store your things. You have no idea how they might have organised their things, so try to leave it as is. Not going through someone’s mail is basic manners! Cigarettes or e-cigarettes Unless your host is doing the same and gives you permission, you should never, ever start smoking a cigarette or e-cigarette in someone’s home. This rule is especially inflexible if there are children in the house. Not only can you expose them to the harmful ingredients and chemicals in cigarettes, but the effects – and the smell – can linger long after you’re gone. If you can’t wait, excuse yourself to go outside, and try to move away from doors and windows so it doesn’t waft into the house. Removing the cigarette and cigar smell is quite the cumbersome task. The Wi-Fi Try to refrain from asking for the Wi-Fi password unless you’re a long-term guest or a very frequent visitor. If you’re asking at the beginning of a dinner party, it’s sending the message that you’d rather be on your phone. Try to stay off of your phone as much as possible to really have quality time when you’re visiting. Image credits: Shutterstock This article originally appeared on <a href="https://www.readersdigest.com.au/true-stories-lifestyle/9-things-you-should-never-touch-in-someone-elses-house" target="_blank" rel="noopener">Reader's Digest</a>.

Home & Garden

"Now he's free": Aussie Marvel actor's son tragically dies

Marvel actor Eka Darville has announced the heartbreaking news that his 10-year-old son has died. Earlier this year, Darville shared that his son, Mara, had been diagnosed with a rare and aggressive form of brain cancer. Despite undergoing numerous surgeries and aggressive treatments, Mara passed away. The Australian actor's mother, Malaika, shared the devastating news about her grandson on the GoFundMe page she set up to help the family cope with the financial stress of having a sick child. She wrote, “I still wanted to come together in this prayer because he’s still always gonna be with us and he’s still with us.” “You can imagine the amount of sadness and grief of Eka, Lila and Lila’s parents, his grandparents, myself, his little brothers." “But at the same time, there’s a lot of joy. There’s a lot of peace. There’s a lot of stillness in the house after such a long struggle for 463 days since the whole ordeal began. And now he’s free. Now he’s dancing in the light." “We all see it, we feel it and I know that many of you, like myself, loved Mana eternally,” added the grandmother. The family's life turned upside down when Mara collapsed on a beach in July 2022, as he suffered seizures for six months before receiving his brain cancer diagnosis. The Australian actor is best known for his role in the smash hit Marvel series Jessica Jones alongside David Tennant. Image credits: Instagram

Caring

These 7 genius hacks will revive almost any plant

Look for signs of life If your plant has turned brown and lost some leaves, don’t give up on it just yet. There is hope that you can revive a dead plant if the plant still has a few green leaves and pliable stems – buds are a sure sign too. Melinda Meyers, star and producer of Melinda’s Garden Moment TV and radio segments, says that reviving a plant takes patience (sometimes even years). Think about the water Plants that are over-watered appear wilted and may have brown or yellow leaves that make it look dead but with very moist soil. By contrast, if you have forgotten to water your plants, the leaves will be brown but dried around the edges or curled up. Master gardener, Kristena LaMar, says that if you suspect over-watering is the cause of your plant’s demise, repot your plant in dry dirt. And if your plant is thirsty, water it! However, hold off on fertilising until the plant is in better health. Meyers warns that, “Fertilising a struggling plant can injure the tender roots of a recovering plant.” Consider your lighting situation If you recently moved your plant to a new spot, it’s possible it’s no longer getting enough light. Even if you didn’t move it, it’s possible its lighting situation changed. Did you recently buy heavier drapes? Plant a tree outside that’s now blocking the indoor sunlight? Try moving your plant to a sunnier window if it needs a lot of light. (Same goes with a plant that’s now getting too much sun; try a different location in your home.) Find a humid spot Plants absorb water through leaves as well as roots. So keep your plant in a humid spot that’s not too sunny and not too dry to help it recover. Feed your plant carefully People and pets aren’t the only things in your house that need food; plants can get malnourished, too. (Signs are discoloured leaves or slow or no growth.) Meyers recommends a fertiliser/nutritional supplement. Depending on the nutritional deficiency, providing the nutrition can help the plant recover nearly immediately within days. Other deficiencies may take longer – as in weeks – while others are chronic and may not ever fully recover, although these are rare with houseplants. IV for plants Another option for malnourished plants is a water-soluble fertiliser that will slowly release nutrients and is less likely to burn your plant’s roots. Add it to the watering can before watering plants. Only use fertiliser during the time when your plant should be growing. Over-fertilising or using the wrong fertiliser can burn the roots of the plant. Compost If you’ve tried everything, and your plant still can’t be revived, it might be time to let go. By composting your plants, the remains can be recycled as nutrient-rich dirt that can help your next houseplant thrive. Don’t beat yourself up – and next time buy a hearty, nearly kill-proof cactus. Image credits: Getty Images This article originally appeared on <a href="https://www.readersdigest.co.nz/food-home-garden/7-hacks-that-will-revive-almost-any-plant" target="_blank" rel="noopener">Reader's Digest</a>.

Home & Garden

No more brown leaves: sage advice from a gardening expert

We’ve all been there before. We’re watering our seemingly healthy houseplant when suddenly there it is: a tinge of brown on the plant’s leaf. Yikes. But what do brown tips on leaves mean for your plant, and what can you do to make them go away? Read on to find out. Lack of water or humidity If your plant is sporting crispy, dark, or brown tips on its leaves, it may mean you need to water more often. Check the soil moisture and slowly reduce the number of days in between watering. Watch your plants for signs of improvement. Lack of humidity could also be the cause. Tropical plants prefer higher humidity levels than we have in our homes. When we turn on the heat in winter, there’s even less moisture in the air. Group plants together so that as one loses moisture through its leaves, the neighbours benefit. Or place plants on saucers or trays filled with pebbles and water. Set a pot on the pebbles above the water. As the water evaporates, it will increase the humidity around the plant, where it is needed. Lack of nutrients A lack of key nutrients may be behind the brown tips on leaves of your plant. Burned-looking leaf tips, or old leaves with dark green or reddish-purplish colouring, may indicate a phosphorus deficiency. With a potassium deficiency, you may see yellow or brown along older leaf tips and edges, yellowing between veins, curling leaves, or spotting. For potted plants, add a slow-release type of fertiliser to the soil mix before planting. Every time you water, a little fertiliser is released, providing a steady flow of nutrients. But depending on the growing conditions and number of plants in the container, a midseason boost may be needed. Stay on top of your fertiliser applications by making notes on a calendar. Image credits: Getty Images This article originally appeared on <a href="https://www.readersdigest.co.nz/food-home-garden/gardening-tips/why-does-my-plant-have-brown-tips-on-the-leaves" target="_blank" rel="noopener">Reader's Digest</a>.

Home & Garden

9 tricky ways to clean your house while you sleep

1. Soak a showerhead Mineral deposits can clog a showerhead and affect its pressure over time. To clean, fill a plastic bag with vinegar. Place the bag around the showerhead, submerging it in the liquid. Secure the bag to the neck of the showerhead with a twist tie and leave overnight. The vinegar will break down the buildup by morning. 2. Remove stains on pots and pans If a batch of cookies left your baking sheet gunky, let a dryer sheet clean it overnight. Place the sheet on the pan and fill with warm water. Cleaning agents in the dryer sheet will help loosen stuck-on grime and stains. In the morning, easily wipe off with a sponge. 3. Polish stove grates Cleaning greasy, food-splattered stove burners can be a tiresome chore. Before you go to bed, seal each burner in a large plastic bag with ¼ cup of ammonia. The overnight soak will make it easy to wipe off the surface with a sponge the following day. 4. Banish rust on tools If your rusty tools have seen better days, fill a tray with Coca-Cola. Submerge the tools, allow to soak overnight, and scrub clean with a stiff brush in the morning. The soda’s phosphoric acid will help loosen the gunk. 5. Eliminate wet messes If your sofa or carpet became the victim of an icky, wet mess (say, vomit or urine), mix a paste of baking soda and water to soak it up. Use a spoon to spread the paste over the soiled area. Allow to dry overnight, then vacuum in the morning. 6. Descale a kettle Limescale can build up from calcium carbonate deposits in water, leading to an off-white, chalky deposit in your kettle. To clean, cut a lemon into large slices, place in the kettle, and add water. Bring to a boil, then take the kettle off the heat and leave overnight. The lemon’s citric acid will loosen the limescale. Toss the fruit and water mixture in the morning and rinse before using your newly cleaned kettle. 7. Clean bath toys To make grubby rubber duckies, boats, and other bath toys new again, mix one gallon warm water with ¾ cup vinegar. Soak the toys overnight. Rinse thoroughly and allow to air dry. 8. Make diamonds sparkle Quickly polish a diamond ring by filling a bottle cap with Windex. Soak the ring overnight and dry with a soft cloth in the morning to remove grime and add shine. 9. Remove red wine stains If red wine marked up your favorite garment, sprinkle the stain with salt and cover with club soda. The salt absorbs the stain while the club soda’s carbonation and sodium helps lift it. Leave overnight before laundering. Image credits: Getty Images This article originally appeared on <a href="https://www.readersdigest.co.nz/diy-tips/9-ways-clean-house-your-sleep" target="_blank" rel="noopener">Reader's Digest</a>.

Home & Garden

These 10 smart grocery swaps can help reverse diabetes

Diagnosis diabetes It can feel daunting to be faced with the need to make a major lifestyle change. You enjoy food, and you should. At Reader’s Digest, we like to think nature designed nutrition to taste delicious so it can be a source of pleasure in your day that’s fun to look forward to. If you’ve been diagnosed with diabetes or pre-diabetes, this diagnosis doesn’t have to take over your whole identity and all the things that bring you joy. There are ways to adapt some of your favourite foods so you can still have them! Registered dietitian Jackie Newgent lists interesting meal swaps you can make so that classic dishes can be healthier, while still plenty pleasurable. With some wisdom and dedication, it can be possible to turn your condition around and feel great for good. Pair starchy with non-starchy veggies Instead of: one kilo potatoes Buy: 500g kilo potatoes plus 500g cauliflower This mashed potato hack keeps your total carbs in check without forgoing flavour. Whip equal parts boiled potatoes together with roasted or boiled cauliflower. The results of this dynamic duo may help you better manage your blood glucose, since they’re carb-friendlier than a huge bowl of mashed potatoes alone: 100 grams of cooked potatoes without skin provides 22 grams of total carbohydrates, versus 13 grams total carbohydrate in the 100 gram combination of cooked potatoes and cauliflower. Pick fruit you can chew <div> Instead of: one litre apple juice Buy: one bag of apples Enjoy whole fruit rather than just the juice whenever possible to get all the fibre of the naturally sweet fruit with its edible peel…plus chewing satisfaction. One medium apple contains 4.4 grams of fibre while a 200ml glass or juice box of 100-percent apple juice has 0.4 grams of fibre. The soluble fibre in apples can help slow down absorption of sugars. Polyphenols in apples may have powerful antioxidant properties. Grill a better burger Instead of: 500g 85% lean ground beef patties Buy: 500g ground chicken breast Gram for gram, chicken breast has significantly less saturated fat than the marbly beef of classic burgers. Specifically, an 85g cooked 85% lean ground beef patty has five grams of saturated fat compared to 0.6 grams of saturated fat for a cooked patty made from 85g of chicken breast meat. Keeping saturated fat intake low is especially important when you have diabetes to help keep your heart healthy. Pro-tip: make chicken burgers juicier and tastier by combining ground chicken breast with a little plain yogurt, rolled oats, and herbs and spices before cooking. Look for live cultures in the dairy section Instead of: one container regular cottage cheese Buy: one container plain low-fat Greek yogurt or cultured cottage cheese Probiotics are “good” bacteria that help keep your gut healthy. For people with type 2 diabetes, research published in Advances in Nutrition suggested that probiotics may also have glucose-lowering potential. So, pop products with live active cultures (probiotics) into your cart while strolling by the dairy aisle. Choose plain low-fat Greek yogurt or cultured cottage cheese. Be sure to read the nutrition labels, since probiotics aren’t in all dairy foods. And, for the lower-sodium pick, stick with yogurt. Choose healthier-sized grain portions Instead of: 1/2 dozen bakery-style plain bagels Buy: one package of wholegrain English muffins Swapping wholegrain in place of refined grain products helps kick up fibre and other plant nutrients. Studies suggests this is linked to lower risk of type 2 diabetes. Also, opting for healthier-sized varieties, such as wholegrain English muffins rather than big bakery-style plain bagels helps cut kilojoules (and carbs) – not enjoyment – while promoting a healthier weight. In fact, you’ll slash over 1000 kilojoules by enjoying a whole-wheat English muffin instead of that oversized 140g bagel. Get your munchies with benefits Instead of: one bag of potato chips Buy: one jar or bulk-bin container of roasted peanuts It’s a no-brainer: a small handful of nuts is a better bet than potato chips. Peanuts, for instance, offer a triple whammy of dietary fibre, plant protein and healthy fat, which can boost satiety. Greater satisfaction means a greater chance you’ll keep mealtime portions right-sized. When peanuts or other nuts are eaten along with carb-rich foods, they can help slow down the blood sugar response. Plus, a Mediterranean study found that higher nut consumption may be associated with better metabolic status. Dress a salad smartly Instead of: one bottle of fat-free salad dressing Buy: one small bottle olive oil plus one small bottle balsamic or red wine vinegar Some bottled salad dressings can trick you. For instance, “fat-free” salad dressing may be loaded with added sugars. (For reference: four grams of sugar is equal to one teaspoon.) So, read salad dressing labels carefully for sneaky ingredients, especially excess salt (over 250 milligrams of sodium per two-tablespoon serving) or added sugars (more than five grams added sugars per two-tablespoon serving). Better yet, keep it simple and make your own vinaigrette using 2-3 parts oil to 1 part vinegar. Select less salty soup Instead of: one can/carton of vegetable- or bean-based soup Buy: one can/carton of low-sodium vegetable- or bean-based soup When compared to people without diabetes, sodium levels were higher in patients with type 2 diabetes, based on a meta-analysis published in European Journal of Nutrition. Curbing sodium intake is beneficial for people with diabetes since too much may increase your risk for high blood pressure. So, slurp up soup that’s low in sodium. And kick up flavour with a splash of cider vinegar, grated citrus zest, herbs, spices, or a dash of hot sauce. Go for "naked" fish Instead of: Breaded fish sticks Buy: Frozen salmon fillets Cut salmon into large cubes, season, and grill on skewers. Or make fish sticks by simply cutting into skinny fillets, season and roast. Why? Research published in Diabetes Care finds that eating oily fish may be associated with a lower risk of type 2 diabetes. Non-oily fish, like the whitefish in fish sticks, didn’t show this link. Salmon is an oily fish and a major source of omega-3 fatty acids, a heart-friendly fat. Plus: when you make your own salmon skewers or sticks, you won’t have extra carbs from breading. Do dip with a punch of protein Instead of: one container of sour cream & onion dip Buy: one container of pulse-based dip, like hummus Wise snacking can be helpful for managing blood glucose. It can also be delicious. Dunk veggies or wholegrain pita wedges into pulse-based dip, like hummus, black bean dip, or lentil dip. Check this out: one-quarter cup (that’s 60 grams) of onion dip has 870 kiljoules, five grams of saturated fat, 1.2 grams of protein, and 0.1 grams of fibre, while one-quarter cup hummus has 590 kilojoules, 1.5 grams of saturated fat, 4.7 grams of protein, and 3.3 grams of fibre. Hummus clearly wins! Image credits: Getty Images This article originally appeared on <a href="https://www.readersdigest.co.nz/healthsmart/diabetes/reverse-diabetes-10-smart-grocery-swaps?pages=1" target="_blank" rel="noopener">Reader's Digest</a>. </div>

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Why is a messy house such an anxiety trigger for me and what can I do about it?

<a href="https://theconversation.com/profiles/erika-penney-1416241">Erika Penney</a>, <a href="https://theconversation.com/institutions/university-of-technology-sydney-936">University of Technology Sydney</a> Do you ever feel overwhelmed by the sight of clutter and mess in your home? Have you walked in the door only to feel overloaded by scattered papers, unwashed dishes and clothes in disarray? Maybe you’ve even had arguments because it bothers you more than it bothers you partner or housemates. You’re not alone. Many people report a messy house can trigger feelings of <a href="https://journals.sagepub.com/doi/abs/10.1177/0146167209352864">stress</a> and <a href="https://www.sciencedirect.com/science/article/abs/pii/S0272494421000062?via%3Dihub">anxiety</a>. So why do clutter and chaos make some of us feel so overwhelmed? Here’s what the research says – and what you can do about it. <h2>Cognitive overload</h2> When we’re surrounded by distractions, our brains essentially become <a href="https://pubmed.ncbi.nlm.nih.gov/21228167/">battlegrounds</a> for attention. Everything competes for our focus. But the brain, as it turns out, <a href="https://psycnet.apa.org/record/1994-43838-001">prefers</a> order and “<a href="https://www.frontiersin.org/articles/10.3389/fnhum.2015.00086/full%22%22">singletasking</a>” over multitasking. Order helps reduce the competition for our attention and reduces mental load. While some people might be better than others at <a href="https://www.pnas.org/doi/full/10.1073/pnas.1523471113">ignoring distractions</a>, distractable environments can overload our cognitive capabilities and memory. Clutter, disorder and mess can affect more than just our cognitive resources. They’re also linked to our <a href="https://pubmed.ncbi.nlm.nih.gov/23907542/">eating</a>, <a href="https://www.sciencedirect.com/science/article/abs/pii/S0360132318307157?via=ihub">productivity</a>, mental health, <a href="https://www.tandfonline.com/doi/abs/10.1207/s15374424jccp3401_9">parenting</a> decisions and even our willingness to donate <a href="https://pubmed.ncbi.nlm.nih.gov/23907542/">money</a>. <h2>Are women more affected than men?</h2> Research suggests the detrimental effects of mess and clutter may be more pronounced in women than in men. One <a href="https://journals.sagepub.com/doi/10.1177/0146167209352864">study</a> of 60 dual-income couples found women living in cluttered and stressful homes had higher levels of cortisol (a <a href="https://pubmed.ncbi.nlm.nih.gov/19596045/#:%7E:text=After%2520controlling%2520for%2520the%2520individual,and%2520poor%2520self-rated%2520health.">hormone</a> associated with stress) and heightened depression symptoms. These effects remained consistent even when factors like marital satisfaction and personality traits were taken into account. In contrast, the men in this study seemed largely unaffected by the state of their home environments. The researchers theorised that women may feel a greater responsibility for maintaining the home. They also suggested the social aspect of the study (which involved giving home tours) may have induced more fear of judgement among women than men. We will all live with clutter and disorganisation to some degree in our lives. Sometimes, however, significant clutter problems can be linked to underlying mental health conditions such as <a href="https://beyondocd.org/information-for-individuals/symptoms/ocd-related-hoarding#:%7E:text=Examples%20of%20hoarding%20in%20the,are%20not%20needed%20any%20more">obsessive-compulsive disorder</a>, <a href="https://beyondocd.org/information-for-individuals/symptoms/ocd-related-hoarding#:%7E:text=Examples%20of%20hoarding%20in%20the,are%20not%20needed%20any%20more">hoarding disorder</a>, <a href="https://psychcentral.com/depression/messy-room-depression#does-it-exacerbate-symptoms">major depressive disorder</a>, <a href="https://www.sciencedirect.com/science/article/abs/pii/S0005796704000531">attention deficit hyperactivity disorder</a>, and <a href="https://www.sciencedirect.com/science/article/abs/pii/S0887618510001647">anxiety disorders</a>. This raises a crucial question: which came first? For some, clutter is the source of anxiety and distress; for others, poor mental health is the source of disorganisation and clutter. <h2>Not all mess is a problem</h2> It’s important to remember clutter isn’t all bad, and we shouldn’t aim for perfection. Real homes don’t look like the ones in magazines. In fact, disorganised spaces can result in increased <a href="https://pubmed.ncbi.nlm.nih.gov/23907542/">creativity</a> and elicit fresh insights. Living in constant disorder isn’t productive, but striving for perfectionism in cleanliness can also be counterproductive. Perfectionism itself is associated with feeling overwhelmed, anxiety and <a href="https://pubmed.ncbi.nlm.nih.gov/28026869/">poor mental health</a>. <h2>Mess makes me anxious so what can I do about it?</h2> It’s important to remember you have some agency over what matters to you and how you want to prioritise your time. One approach is to try to reduce the clutter. You might, for example, have a dedicated de-cluttering session every week. This may involve hiring a cleaner (if you can afford it) or playing some music or a podcast while tidying up for an hour with your other household members. Establishing this routine can reduce clutter distractions, ease your overall mental load and alleviate worry that clutter will spiral out of control. You can also try micro-tidying. If don’t have time for a complete cleanup, commit just five minutes to clearing one small space. If the clutter is primarily caused by other household members, try to calmly discuss with them how this mess is affecting your mental health. See if your kids, your partner or housemates can negotiate some boundaries as a household over what level of mess is acceptable and how it will be handled if that threshold is exceeded. It can also help to develop a self-compassionate mindset. Mess doesn’t define whether you are a “good” or “bad” person and, at times, it may even stimulate your <a href="https://pubmed.ncbi.nlm.nih.gov/23907542/">creativity</a>. Remind yourself that you deserve success, meaningful relationships and happiness, whether or not your office, home or car is a mess. Take comfort in <a href="https://journals.sagepub.com/doi/abs/10.1177/0013916516628178">research</a> suggesting that while disorganised environments can make us susceptible to stress and poor decision-making, your mindset can buffer you against these vulnerabilities. If clutter, perfectionism or anxiety has begun to seem unmanageable, talk with your GP about a referral to a <a href="https://psychology.org.au/psychology/about-psychology/what-is-psychology">psychologist</a>. The right psychologist (and you may need to try a few before you find the right one) can help you cultivate a life driven by values that are important to you. Clutter and mess are more than just visual nuisances. They can have a profound impact on mental wellbeing, productivity and our choices. Understanding why clutter affects you can empower you to take control of your mindset, your living spaces and, in turn, your life.<img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/211684/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/erika-penney-1416241">Erika Penney</a>, Lecturer in Clinical Psychology, <a href="https://theconversation.com/institutions/university-of-technology-sydney-936">University of Technology Sydney</a> Image credits: Shutterstock This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/why-is-a-messy-house-such-an-anxiety-trigger-for-me-and-what-can-i-do-about-it-211684">original article</a>.

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Why is a messy house such an anxiety trigger for me and what can I do about it?