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Hospice nurse reveals people's last words before they die

<p>A hospice nurse has revealed the number one thing people say in their final moments before they die. </p> <p>Healthcare expert Julie McFadden, who makes online videos discussing death to help break the taboo around dying, has shared the three most common regrets patients share on their death beds. </p> <p>Speaking to NHS surgeon Dr Karan Rajan on his podcast, Julie said these final discussions tend to centre around what they've taken for granted. </p> <p>"The first one I hear all the time is that they regret not appreciating their health while they had it," Ms McFadden said, reflecting on her 15 years of working in the health sector. </p> <p>"That's the number one thing people say to me, I wish I would have understood how amazing it is to have a working body."</p> <p>The second regret she often hears is people admitting they "worked too much" and wish they hadn't worked their life away, and rather spent time doing things that brought them joy. </p> <p>Finally, she revealed in the clip shared to Instagram, that many dying patients have regrets about relationships. </p> <p>The nurse explained people either wish they had maintained certain relationships and friendships, or regret holding grudges.</p> <p>Dr Rajan responded to Ms McFadden's insight with a story of a young patient that made him realise we are not 'immortal' and we should not take our life "for granted". </p> <p>In the clip shared with his 1.5million followers he said, "A few years ago when I saw a young woman come in with pancreatitis in her 20s, within three hours this young woman is in the intensive care unit, she's intubated, ventilated, and the next day, she had passed away."</p> <p>"That just made me think wow, I'm in my 30s now, I'm 34, life can just go in a flash. So yes, truly don't take it for granted, we sometimes have this tendency to walk around like we're immortal."</p> <p><em>Image credits: YouTube</em></p>

Caring

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Never-before-seen party photo of Kate Middleton surfaces

<p>A previously unseen photo of Kate Middleton has been posted to social media by one of her old university friends. </p> <p>Laura Warshaur - who was in the same halls as the royal - shared the photo to <a href="https://www.instagram.com/p/C9lQ1A0P2QQ/" target="_blank" rel="noopener">Instagram</a> and reminisced their "lovely" college years together at St Andrews. </p> <p>She captioned the photo: “Sending love to Kate Middleton, the future Queen of England and my university dormmate!</p> <p>“This was us at a Hope Street flat party. I have the loveliest college memories with Kate.</p> <p>“She is the kindest, most caring, down-to-earth, genuine person, and it’s incredible to see her shining so brightly and inspiring the world with her compassion and courage.”</p> <p>The Princess of Wales was snapped wearing a cream turtleneck jumper with minimal makeup and her natural curls flowing. </p> <p>The picture taken at a flat party on Hope Street, was also where the Prince and Princess of Wales lived in their second year, according to <em>The Sun. </em></p> <p>In the photo the Princess and Laura smiled for the camera as they held up brownie bites. </p> <p>Laura shared the photo on her Instagram a while back to show support for the Princess of Wales as she continued her cancer treatment. </p> <p>The image caught the attention of royal fans this week, who took to comments to share their delight. </p> <p>“Neither of you has changed much, so gorgeous. So happy to see her out and about again with that big smile,” commented one user.</p> <p> “How sweet your tribute to her back when she was diagnosed. And how beautiful you both are in this picture," added another. </p> <p>“No way, most unexpected duo EVER," commented a third. </p> <p>Laura, who has since lost touch with the royal couple, previously revealed that all their friends rooted for the royal couple and believed that they would end up together. </p> <p><em>Image: Instagram</em></p> <p> </p>

Beauty & Style

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Readers response: What’s one thing you wish you had known before retiring?

<p>When it comes time to retire, there are always things we wish we knew first before entering our golden years. </p> <p>We asked our readers what they wish they knew before retiring, and the response was overwhelming. Here's what they said. </p> <p><strong>Margaret Walsh</strong> - As long as you are fit and active, it's great. Just don't get crook or disabled, it sucks.</p> <p><strong>Judi Bradshaw</strong> - I retired 9 times and kept going back to work as I didn't find myself ready to stop work, but finally retired at 73. Took awhile to adjust but now 75 and full time travellers, just loving life.</p> <p><strong>Marcus von Moger</strong> - How good it was going to be.</p> <p><strong>Chris Bailey</strong> - How boring it is, I’d go back to work in a heartbeat if I could.</p> <p><strong>Ellen Fowler</strong> - That the government would keep changing the rules. </p> <p><strong>Michael L Carrigg</strong> - Just how long it takes dealing with government departments that clearly are understaffed, especially in the front line service areas.</p> <p><strong>Jim Burgess</strong> - Finding reasonably priced accommodation.</p> <p><strong>Nicol Kyriakidou</strong> - That it would be so great! Having the whole day to yourself. Taking it easy, meeting friends, going shopping. Doing everything at your leisure.</p> <p><strong>Gaye Johnson</strong> - You never get a day off!!!</p> <p><strong>David Brown</strong> - How good it is. I should have retired 20 years earlier.</p> <p><em>Image credits: Shutterstock </em></p>

Retirement Life

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"Never been seen before": Fergie reveals new details from 9/11 near miss

<p>Sarah Ferguson, affectionately known as Fergie, has taken to Instagram overnight to share new details of her 9/11 near miss. </p> <p>24 years on, the Duchess of York, who has previously revealed that she was meant to be in the World Trade Centre's North Tower when the plane struck the building, has shared more details of the day.</p> <p>Fergie recalled how her friend, billionaire businessman Howard Lutnick, gave her an office on the 101st floor of the World Trade Centre at the time, for her charity Chances for Children. </p> <p>The charity's logo had a mascot called Little Red, which was eventually made into a doll for a child named PJ who survived the 1995 Oklahoma City Bombings.</p> <p>On the day of the 9/11 attacks Fergie was due to attend a meeting in the office, but was running late because of an earlier engagement, so she was still on route to the building when the terrorists struck. </p> <p>"I was driving in the car and I was late for work... and Little Red was found in the rubble," she said in the video. </p> <p>Fergie opened a box to reveal her own Little Red doll that survived the attacks. While she has previously talked about the doll, this is the first time she revealed what it looked like. </p> <p>"A fireman picked her up, carried her out, like the fireman that picked up PJ all those years ago in the Oklahoma City Bombing," she continued. </p> <p>"And CNN filmed it and said, 'Look, a child's doll.' And Larry King said, 'That's no child's doll. That's Fergie's Little Red' and she stands for children's rights all over the world and she's a sign of hope for children.</p> <p>"What no one has ever seen before and I would like to share this with you is the actual doll that survived in 9/11.</p> <p>"So here, I have it at home. Normally I talk about Little Red and here is the actual doll that survived.</p> <p>"You can see the dust from the building — that's never been seen before.</p> <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-permalink="https://www.instagram.com/reel/C_xjdvMKSCn/?utm_source=ig_embed&amp;utm_campaign=loading" data-instgrm-version="14"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"> </div> </div> </div> <div style="padding: 19% 0;"> </div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"> </div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <div style="padding: 12.5% 0;"> </div> <div style="display: flex; flex-direction: row; margin-bottom: 14px; align-items: center;"> <div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(0px) translateY(7px);"> </div> <div style="background-color: #f4f4f4; height: 12.5px; transform: rotate(-45deg) translateX(3px) translateY(1px); width: 12.5px; flex-grow: 0; margin-right: 14px; margin-left: 2px;"> </div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(9px) translateY(-18px);"> </div> </div> <div style="margin-left: 8px;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 20px; width: 20px;"> </div> <div style="width: 0; height: 0; border-top: 2px solid transparent; border-left: 6px solid #f4f4f4; border-bottom: 2px solid transparent; transform: translateX(16px) translateY(-4px) rotate(30deg);"> </div> </div> <div style="margin-left: auto;"> <div style="width: 0px; border-top: 8px solid #F4F4F4; border-right: 8px solid transparent; transform: translateY(16px);"> </div> <div style="background-color: #f4f4f4; flex-grow: 0; height: 12px; width: 16px; transform: translateY(-4px);"> </div> <div style="width: 0; height: 0; border-top: 8px solid #F4F4F4; border-left: 8px solid transparent; transform: translateY(-4px) translateX(8px);"> </div> </div> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center; margin-bottom: 24px;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 224px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 144px;"> </div> </div> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;"><a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none;" href="https://www.instagram.com/reel/C_xjdvMKSCn/?utm_source=ig_embed&amp;utm_campaign=loading" target="_blank" rel="noopener">A post shared by Sarah Ferguson (Fergie) (@sarahferguson15)</a></p> </div> </blockquote> <p>"And I hope Little Red will be talked about all over the world because she's just a very strong, stoic little person."</p> <p>She also shared that on the day, Little Red "sat on her desk overlooking Manhattan on that fateful day when the towers came down."</p> <p>"She came down through the rubble and landed fully intact," she wrote.</p> <p>"Little Red was carried out of the rubble in the fireman's hat exactly as PJ, a child burn victim, was carried years earlier in the Oklahoma City bombing, where the doll was first inspired to bring hope during difficult times and raise money for aid.</p> <p>"Little Red now sits in the 9/11 memorial museum and serves as a reminder of hope within the darkness. We will #neverforget," she continued before encouraging her followers to donate to the Cantor Relief Fund, to support families affected by disaster. </p> <p><em>Images: Instagram</em></p>

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Thinking of trying a new diet? 4 questions to ask yourself before you do

<p><em><a href="https://theconversation.com/profiles/melissa-eaton-1522868">Melissa Eaton</a>, <a href="https://theconversation.com/institutions/university-of-wollongong-711">University of Wollongong</a>; <a href="https://theconversation.com/profiles/verena-vaiciurgis-1647095">Verena Vaiciurgis</a>, <a href="https://theconversation.com/institutions/university-of-wollongong-711">University of Wollongong</a>, and <a href="https://theconversation.com/profiles/yasmine-probst-235268">Yasmine Probst</a>, <a href="https://theconversation.com/institutions/university-of-wollongong-711">University of Wollongong</a></em></p> <p>We live in a society that glorifies dieting, with around <a href="https://doi.org/10.1111%2Fobr.12466">42% of adults globally</a> having tried to lose weight. Messages about <a href="https://doi.org/10.2196/38245">dieting and weight loss</a> are amplified on social media, with a never-ending cycle of weight loss fads and diet trends.</p> <p>Amid often conflicting messages and misinformation, if you’re looking for diet advice online, it’s easy to become confused and overwhelmed.</p> <p>So before diving into the latest weight loss trend or extreme diet, consider these four questions to help you make a more informed decision.</p> <h2>1. Is the diet realistic?</h2> <p>Have you considered the financial cost of maintaining the diet or lifestyle, and the time and resources that would be required? For example, do you need to purchase specific products, supplements, or follow a rigid meal plan?</p> <p>If the diet is coming from someone who is trying to sell you something – such as a particular weight-loss product you need in order to follow the diet – this could be a particular red flag.</p> <p>Many extreme diet recommendations come from a place of privilege and overlook food access, affordability, cooking skills, where you live, or even your culture and ethics.</p> <p>If the diet has these sorts of issues it can lead to <a href="https://doi.org/10.1017/S1368980024000132">frustration, stress, stigmatisation</a> and feelings of failure for the person trying to adhere to the diet. But the problem may be with the diet itself – not with you.</p> <h2>2. Is there evidence to support this diet?</h2> <p>Self-proclaimed “experts” online will often make claims focused on specific groups, known as <a href="https://doi.org/10.4103%2F0972-6748.77642">target populations</a>. This might be 30- to 50-year-old men with diabetes, for example.</p> <p>In some cases, evidence for claims made may come from animal studies, which might not be applicable to humans at all.</p> <p>So be aware that if research findings are for a group that doesn’t match your profile, then the results might not be relevant to you.</p> <p>It takes time and a lot of high-quality studies to tell us a “diet” is safe and effective, not just one study. Ask yourself, is it supported by multiple studies in humans? Be critical and question the claims before you accept them.</p> <p>For accurate information look for government websites, or ask your GP or dietitian.</p> <h2>3. How will this diet affect my life?</h2> <p>Food is much more than calories and nutrients. It plays many roles in our lives, and likewise diets can influence our lives in ways we often overlook.</p> <p>Socially and culturally, food can be a point of <a href="https://doi.org/10.1017/S1368980024000132">connection and celebration</a>. It can be a source of enjoyment, a <a href="https://doi.org/10.1016/j.jbusres.2018.12.024">source of</a> comfort, or even a way to explore new parts of the world.</p> <p>So when you’re considering a new diet, think about how it might affect meaningful moments for you. For example, if you’re going travelling, will your diet influence the food choices you make? Will you feel that you can’t sample the local cuisine? Or would you be deterred from going out for dinner with friends because of their choice of restaurant?</p> <h2>4. Will this diet make me feel guilty or affect my mental health?</h2> <p>What is your favourite meal? Does this diet “allow” you to eat it? Imagine visiting your mum who has prepared your favourite childhood meal. How will the diet affect your feelings about these special foods? Will it cause you to feel stressed or guilty about enjoying a birthday cake or a meal cooked by a loved one?</p> <p>Studies have shown that dieting can negatively impact our <a href="https://doi.org/10.1007%2FBF03405201">mental health</a>, and skipping meals can increase symptoms of <a href="https://doi.org/10.1016/j.jagp.2020.01.160">depression and anxiety</a>.</p> <p>Many diets fail to consider the psychological aspects of eating, even though our mental health is just as important as physical health. Eating should not make you feel stressed, anxious, or guilty.</p> <p>So before starting another diet, consider how it might affect your mental health.</p> <h2>Moving away from a dieting mindset</h2> <p>We’re frequently told that weight loss is the path to better health. Whereas, we can prioritise our health without focusing on our weight. Constant messages about the need to lose weight can also be harmful to mental health, and not necessarily helpful for <a href="https://doi.org/10.1152/ajpregu.00755.2010">physical health</a>.</p> <p>Our research has found eating in a way that prioritises health over weight loss is linked to a range of <a href="https://doi.org/10.1016/j.appet.2024.107361">positive outcomes</a> for our health and wellbeing. These include a more <a href="https://books.google.com.au/books?hl=en&amp;lr=&amp;id=IuZzDgAAQBAJ&amp;oi=fnd&amp;pg=PT9&amp;dq=%22relationship+with+food%22&amp;ots=e-NxLzUIFF&amp;sig=s7p6_SijfgZE6Odx7ztV4xXPGp8&amp;redir_esc=y#v=onepage&amp;q=%22relationship%20with%20food%22&amp;f=false">positive relationship</a> with food, and less guilt and stress.</p> <p>Our research also indicates <a href="https://doi.org/10.1016/j.appet.2024.107361">mindful and intuitive eating</a> practices – which focus on internal cues, body trust, and being present and mindful when eating – are related to lower levels of depression and stress, and greater body image and self-compassion.</p> <p>But like anything, it takes practice and time to build a positive relationship with food. Be kind to yourself, seek out <a href="https://www.sizeinclusivehealth.org.au/find-a-provider">weight-inclusive</a> health-care professionals, and the changes will come. Finally, remember you’re allowed to find joy in food.<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/237766/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><em><a href="https://theconversation.com/profiles/melissa-eaton-1522868">Melissa Eaton</a>, Accredited Practising Dietitian; PhD Candidate, <a href="https://theconversation.com/institutions/university-of-wollongong-711">University of Wollongong</a>; <a href="https://theconversation.com/profiles/verena-vaiciurgis-1647095">Verena Vaiciurgis</a>, Accredited Practising Dietitian; PhD Candidate, <a href="https://theconversation.com/institutions/university-of-wollongong-711">University of Wollongong</a>, and <a href="https://theconversation.com/profiles/yasmine-probst-235268">Yasmine Probst</a>, Associate Professor, School of Medical, Indigenous and Health Sciences, <a href="https://theconversation.com/institutions/university-of-wollongong-711">University of Wollongong</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/thinking-of-trying-a-new-diet-4-questions-to-ask-yourself-before-you-do-237766">original article</a>.</em></p>

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Never-before-seen footage shows moments after JFK assassination

<p>Never-before-seen footage of aftermath of United States President John F. Kennedy's assassination has emerged, more than six decades after his murder. </p> <p>The film footage will soon be sold through RR action, and shows the moment JFK's motorcade sped toward Parkland Hospital as Clint Hill, Jackie Kennedy’s Secret Service agent, shields both her and the president. </p> <p>"This is remarkable, in colour, and you can feel the 80mph (130km/h)," said Bobby Livingston, executive vice president of the auction house.</p> <p>The 8mm home film was captured by Dale Carpenter Sr. and began with him filming other vehicles in the motorcade as it travelled down Lemmon Avenue toward the city centre.</p> <p>The film then picks up after Kennedy was shot, and shows Clint Hill - who famously jumped onto the back of the limousine as the shots were fired - hovering in a standing position over the president and first lady. </p> <p>"I did not know that there were not any more shots coming," Agent Hill, who is now 92-years-old, said. </p> <p>"I had a vision that, yes, there probably were going to be more shots when I got up there as I did."</p> <p>In an interview with <em>People</em> magazine, he said that the discovery of the film is “an emotional thing for me because I know what has happened. I know what I’m seeing in that film is a dead president.”</p> <p>The assassination itself was famously captured on film by Abraham Zapruder, and according to Livingston, the executive vice president of the auction house, the footage captured by Carpenter is "unlike any other footage known to exist". </p> <p>"This film captures a segment immediately following the Zapruder film, providing a fresh perspective on one of the most analyzed moments in history," he continued.</p> <p>"Once you see it, you'll never forget Clint Hill's heroic efforts to protect Mrs. Kennedy, racing at 80 miles an hour in a desperate attempt to save the president's life as they sped to Parkland."</p> <p><iframe title="YouTube video player" src="https://www.youtube.com/embed/KPGEtMvxAyQ?si=xzNde8jG6pllHMMn" width="560" height="315" frameborder="0" allowfullscreen="allowfullscreen"></iframe></p> <p>Carpenter's grandson, James Gate, said that his family had always known about the footage, but they rarely talked about the footage which was stored along with other family films in a milk crate. </p> <p>It wasn't until after his grandfather's death from Parkinson's disease when his mother decided to hand down family mementos and the film landed in Gate's possession. </p> <p>While he was initially underwhelmed by the film when he watched the footage, it was when he saw the aftermath of the assassination that he was "shocked". </p> <p>In 2012, Gates got in touch with Agent Hill and his wife Lisa McCubbin Hill, to show them the footage. </p> <p>Agent Hill's wife said that while knew about the events that unfolded on the tragic day, "to see the footage of it actually happen ... just kind of makes your heart stop."</p> <p>“When you see the president’s limousine, you see Clint on the back of the car. To see the speed of the car and how precarious that was — Clint is still trying to protect the president and Mrs. Kennedy from whatever else might be coming.</p> <p>"One slip and he would have gone flying off and he would have been killed,” she told <em>People</em> magazine. </p> <p>Stephen Fagin, curator at The Sixth Floor Museum at Dealey Plaza, which tells the story of the assassination on November 22, 1963, said: "These images, these films and photographs, a lot of times they are still out there. They are still being discovered or rediscovered in attics or garages."</p> <p>The film will be up for auction in northeastern US city of Boston on September 28, with <a href="https://www.rrauction.com/auctions/lot-detail/348314307005036-assassination-of-john-f-kennedy-unseen-8mm-film-footage-from-november-22-1963-documenting-the-motorcade-and-rush-to-parkland-hospital/" target="_blank" rel="noopener">online bidding</a> already underway. </p> <p><em>Images: RR Auction / Public Domain</em></p> <p> </p>

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Thinking of dabbling in investing? Expert’s 7 things to consider before investing a cent

<p>Investing can be seen as both an art and a science, requiring a blend of patience, knowledge and strategy. It’s also crucial to understand the trade-off between risk and return, coupled with your time horizon. This means you do not invest in a vacuum, and each part of the investing world will impact another. </p> <p>Get your financial situation strong before you commit money to investing. This could be clearing consumer debt (credit cards, personal loans, buy-now-pay-later), funding your emergency fund or even setting up a spending plan so you know exactly how much you have free to invest. What else do you need to consider?</p> <ol> <li><strong>Your ‘why’</strong></li> </ol> <p>What is money to you? What do you believe about money? Why are you investing to start with? These questions must have an answer before you commit money to your investing account. If you’re unsure and want to build wealth with money you don’t need now, that’s also okay, but you need to have some conscious thought about your ‘why’ and your goals, as this is the basis of any strategy that you develop.</p> <ol start="2"> <li><strong>Your mindset</strong></li> </ol> <p>Do you have your own personal conviction about your investing, money and even life?  Your mindset around investing and money needs to be rock solid, so when you hear someone tell you to do something because they do it, you don’t change a thing because your situation is set up correctly for you! </p> <p>This also helps if you’re part of online forums, listening to podcasts or reading investing books. Your mindset needs to be so firm that you can pick hype vs substance when it comes to investing and other opportunities. Just because everyone is doing it, does not mean it’s a good thing for you to do.</p> <ol start="3"> <li><strong>Setting your strategy</strong></li> </ol> <p>An effective investment strategy is personalised and aligned with your financial goals, risk tolerance and investment horizon. Whether you’re saving for retirement, a child’s education or building wealth, your strategy should dictate how you allocate your assets across different investment vehicles. It may be considered essential to have a balanced mix of shares (or ETFs), bonds (or fixed interest) and other assets to mitigate risk. </p> <p>Regularly reviewing and adjusting your portfolio to stay aligned with your goals is also a crucial part of your strategy. Your strategy will help you stay the course if things get rough out there and your emotions are tempted to take over! This goes hand-in-hand with having a sound mindset.</p> <ol start="4"> <li><strong>Ownership structure</strong></li> </ol> <p>Understanding the best ownership structure for your wealth building and investments can have significant implications for taxes, estate planning and asset protection. Options include individual or joint accounts, superannuation, investment bonds, trusts and companies. Each has its advantages and considerations, particularly concerning tax efficiency and control over the assets.  </p> <p>Before you pull the trigger with significant wealth (for example, if you were to receive an inheritance), seek professional advice around the ownership of your investment vehicle. This will help you determine the most advantageous structure for your situation.</p> <ol start="5"> <li><strong>Broad-based index funds</strong></li> </ol> <p>Broad-based index funds are foundational to a well-rounded investment portfolio. These funds track the performance of a specific index, such as the ASX 200, S&amp;P 500 or thematic indexes and provide investors with diversified exposure to a wide array of companies. The beauty of index funds lies in their simplicity and effectiveness. </p> <p>They offer a low-cost way to invest in the stock market, reducing the risk associated with picking individual companies. Over the long term, index funds have historically provided solid returns, making them an excellent choice for both novice and experienced investors.</p> <ol start="6"> <li><strong>Valuing and investing in individual companies</strong></li> </ol> <p>For those inclined to take a more hands-on approach with their investing or just to keep the interest alive, valuing single companies is a critical skill.  This involves analysing a company's financial health, market position and growth prospects. </p> <p>Key metrics such as the price-to-earnings (P/E) ratio, earnings growth and dividend yield can provide valuable insights. However, it’s important to remember that ‘stock picking’ requires research, a deep understanding of market cycles and a higher tolerance for risk. </p> <p>Your goal may be to identify undervalued companies that have the potential for significant growth. A note to remember is to have your own guardrails in your life and make it part of your investment constitution that you will not have more than, say, 10 per cent of your portfolio allocated to individual companies.</p> <ol start="7"> <li><strong>Advanced concepts, trading and speculation</strong></li> </ol> <p>The key with advanced concepts, alternative/speculative asset classes, day trading and options trading is again to have solid guardrails in place. Be engaged and dialled in to your investing; however, you need to understand that the best thing you can do for your future wealth is buy and hold good, broad-based indexes for the long term. </p> <p>We love doing advanced strategies and some wild stuff, but we have strong guardrails because these strategies may flush you if you’re not careful, and you don’t want your whole portfolio allocated to such endeavours!</p> <p><em><strong>Edited extract from The quick start guide to investing: Learn how to invest simpler, smarter &amp; sooner by Glen James &amp; Nick Bradley (Wiley $32.95), available at all leading retailers.</strong></em></p> <p><em><strong>Disclaimer: Any information here is general in nature and has been prepared without considering your personal goals, financial situation, or needs. Because of this, before acting on the general advice, you should consider its appropriateness, having regard to your unique situation. You should obtain and review the Product Disclosure Statement (PDS) and Target Market Determination (TMD) relevant to the product before making any financial product decisions. It's also strongly encouraged to seek the advice of a professional financial adviser. </strong></em><strong><br /></strong></p> <p><em><strong>Image credits: Shutterstock </strong></em></p>

Money & Banking

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Man arrested for climbing Eiffel Tower before closing ceremony

<p>A British man has been arrested after climbing the Eiffel Tower just hours before the closing ceremony of the Paris Olympics was due to commence. </p> <p>Shocked onlookers were horrified when they spotted the shirtless man scaling the 330m structure with no harness, as he stood on top of the blue Olympic ring before continuing his dangerous ascent.</p> <p>Incredible footage of the dangerous stunt, which was posted to X, shows him reaching halfway up the giant landmark with just a bag of chalk to help him, as he was not supported by any ropes or harnesses. </p> <p>Other videos shows the free climber being taken away in handcuffs by French police as tourists looked on from the viewing platform.</p> <p>The Paris Prosecutor’s office confirmed to <em>The Sun</em> the man was British and has been charged with endangering others and intrusion into a historic or cultural site.</p> <blockquote class="twitter-tweet"> <p dir="ltr" lang="en">someone was trying to climb up Eiffel Tower after the Olympics, he was detained by police shortly after 💀<a href="https://t.co/m1oRWsKYeX">pic.twitter.com/m1oRWsKYeX</a></p> <p>— ryan 🤿 (@scubaryan_) <a href="https://twitter.com/scubaryan_/status/1822685874691444924?ref_src=twsrc%5Etfw">August 11, 2024</a></p></blockquote> <p>A Paris police spokesman said: “At 2.45pm, an individual was seen climbing the Eiffel Tower. The police immediately intervened and arrested the individual.”</p> <p>According to spectators, the man could be heard saying “bloody warm, innit” as he was led away by police. </p> <p>Security officials quickly cordoned off the Eiffel Tower as they evacuated the site at around 3pm, as those inside were briefly locked up on the second floor, before they were allowed to leave around 30 minutes later once the man had been escorted from the area.</p> <p>Specialist climbing police were sent up the tower after it was cleared to check for any suspicious or unusual activity.</p> <p>Tourists queuing up for the landmark were left unaware of the ongoing situation and were left frustrated after they were told to leave.</p> <p>One social media user posted on X: “Just waited in line for so long to go to the top of the Eiffel Tower but someone is trying to climb it so they just shut the whole thing down. Super.”</p> <p><em>Image credits: X (Twitter)</em></p>

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"No excuse": Olympic legend quits days before Paris Games commence

<p>British dressage star Charlotte Dujardin has quit in disgrace just days before the Paris Olympics begins after disturbing footage emerged from a coaching session. </p> <p>The sporting legend, who is a three-time Olympic champion and joint most decorated British woman Olympian, has withdrawn from all competition while authorities investigate the incident of “an error of judgement”.</p> <p>The widely circulated video appears to show her hitting a horse on the legs during a slow-motion trot.</p> <p>“A video has emerged from four years ago which shows me making an error of judgement during a coaching session,” she said in a statement.</p> <p>“Understandably, the International Federation for Equestrian Sports (FEI) is investigating and I have made the decision to withdraw from all competition — including the Paris Olympics —while this process takes place."</p> <p>“What happened was completely out of character and does not reflect how I train my horses or coach my pupils, however there is no excuse. I am deeply ashamed and should have set a better example in that moment.”</p> <p>“I will cooperate fully with the FEI, British Equestrian Federation and British Dressage during their investigations, and will not be commenting further until the process is complete,” she said.</p> <p>This is not the first time Dujardin has been involved in controversy surrounding her treatment of horses, after she was eliminated from the European Championships in 2019 after blood was found on her horse in a post-competition check.</p> <p>Dujardin was due to compete in both the individual dressage and the team events in Paris, and is now set to be replaced in the team by Becky Moody.</p> <p>In recent years, Olympic and equestrian authorities have taken an increasingly strict line against alleged improprieties relating to the treatment of animals, with the entire equestrian sport undergoing a major overhaul after an incident during the Tokyo Olympics, in which a German coach was thrown out for striking a horse.</p> <p><em>Image credits: Instagram </em></p>

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Shannen Doherty's powerful final act before passing

<p>Shannen Doherty agreed to settle her divorce with ex-husband Kurt Iswarienko just one day before her death. </p> <p>According to court documents obtained by<em> Page Six</em> on Monday, the former <em>90210</em> star agreed to waive spousal support and to a "default or uncontested dissolution" of their marriage, indicating that the former couple settled their split outside of court. </p> <p>While Doherty signed the agreement on Friday, July 12, her ex-husband signed it on Saturday July 13 - the day the actress lost her nine-year-long battle with <a href="https://www.oversixty.co.nz/health/caring/force-of-nature-tributes-flow-for-shannen-doherty" target="_blank" rel="noopener">breast cancer</a>. </p> <p>“It is the mutual wish and desire of the parties to effect a full, complete, and final settlement of all their respective property interests, future and present, by this Judgement, and … completely resolve any and all issues relating to division of property, reimbursement claims and/or credits, spousal support, and attorneys’ fees and costs,” the documents reportedly state.</p> <p>Not long after Doherty passed away, her friend Tara Furiani called out Iswarienko for his lack of "humanity" during his and Doherty's bitter divorce battle which began in April 2023. </p> <p>She claimed that he was "dragging his feet” so he wouldn’t have to pay her.</p> <p>“Life is so hard … life is extra hard with cancer and without the support you thought you’d have,” Furiani shared.</p> <p>“If you have the opportunity to be a decent person, take it. You have no idea what people are dealing with and going through.”</p> <p>Iswarienko's lawyer has previously rejected all claims that Iswarienko was delaying the divorce alleging that he wanted to finalise it in September 2023 with a settlement deal, which she denied because he “skirted around” how much he earned in the early aughts of their marriage.</p> <p>The former couple married in 2011, before the actress filed for divorce last year in light of his infidelity. </p> <p><em>Images: SplashNews.com/ Shutterstock Editorial </em></p> <p> </p>

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Is an electric bike right for you? Here’s what to consider before you buy

<div class="theconversation-article-body"><em><a href="https://theconversation.com/profiles/muhammad-rizwan-azhar-1472288">Muhammad Rizwan Azhar</a>, <a href="https://theconversation.com/institutions/edith-cowan-university-720">Edith Cowan University</a> and <a href="https://theconversation.com/profiles/waqas-uzair-1486684">Waqas Uzair</a>, <a href="https://theconversation.com/institutions/edith-cowan-university-720">Edith Cowan University</a></em></p> <p><a href="https://www.theguardian.com/australia-news/2023/oct/08/its-also-just-fun-why-a-growing-number-of-australia-families-are-ditching-cars-for-e-bikes">More Australians than ever</a> are riding electric bikes – a fact you may have noticed on the streets of our cities and towns.</p> <p>Electric bikes, or e-bikes, are typically equipped with an electric motor and a battery, providing power to help you pedal. Some allow you to boost and lower the amount of pedalling assistance you get.</p> <p>Globally, the transport sector produces <a href="https://www.un.org/sites/un2.un.org/files/media_gstc/FACT_SHEET_Climate_Change.pdf">about one-quarter</a> of greenhouse gas emissions. Finding cleaner ways to get around is vital to combating the climate crisis. E-bikes also offer solutions to the problems of traffic congestion, fuel costs and sedentary lifestyles.</p> <p>But is an electric bike right for you? Below, we discuss the pros and cons, to help you decide.</p> <h2>The pros</h2> <p><strong>– Reduce carbon emissions</strong></p> <p>In developed countries, transport can be one of the largest proportions of an individual’s carbon footprint. But you can <a href="https://sustainability.anu.edu.au/options-for-owning-an-e-bike">reduce your travel emissions</a> by 75% if you replace car use with an e-bike for short trips such as the work commute.</p> <p><a href="https://www.creds.ac.uk/publications/e-bike-carbon-savings-how-much-and-where/">Research has found</a> e-bikes, if used to replace cars, could cut carbon dioxide (CO₂) emissions by up to 50% in England – or about 30 million tonnes a year. Other analysis showed the potential was <a href="https://www.sciencedirect.com/science/article/pii/S0967070X21003401">greatest</a> in rural areas.</p> <p><strong>– Connect with your community</strong></p> <p>The “car-rification” of our cities changed community dynamics. Retail became concentrated in <a href="https://www.sciencedirect.com/science/article/abs/pii/S0264837716312479">out-of-town shopping centres</a>, leading to a decline in smaller town centres. This provided fewer opportunities to meet our neighbours and has contributed to high rates of <a href="https://www.vox.com/features/23191527/urban-planning-friendship-houston-cars-loneliness">loneliness and social isolation</a>.</p> <p>Similar to <a href="https://www.researchgate.net/publication/308794595_From_Pedal_to_People_The_Social_Effects_of_Biking">regular cycling</a>, riding e-bikes helps create community bonds. It makes us more likely to engage with our surroundings and interact with people around us. You can even join an <a href="https://www.meetup.com/topics/electric-bicycles/au/">e-bike group</a> or community ride.</p> <p><strong>– Save money</strong></p> <p>E-bikes offer substantial long-term financial benefits to owners.</p> <p>In Australia, an e-bike costs from about A$1,000 to more than $5,000. An annual e-bike service will set you back <a href="https://www.choice.com.au/transport/bikes/electric/articles/how-to-maintain-your-electric-bike#:%7E:text=How%20much%20does%20an%20e,%24300%2C%20depending%20on%20what's%20included.">between $100 and $300</a>. And retailers <a href="https://crooze.com.au/blogs/news/the-costs-of-owning-an-ebike#:%7E:text=This%20means%20it%20costs%20roughly,electricity%20charges%20per%2030kms%20ridden.">currently</a> <a href="https://www.glowwormbicycles.com.au/blogs/electric-bikes/how-much-should-i-spend-on-an-e-bike">put the cost</a> of a full battery charge at 10–15 cents, translating to roughly $20 per year for an average commuter.</p> <p>Cars, of course, cost far more to run. For example, Victorian motoring body RACV <a href="https://www.racv.com.au/about-racv/newsroom/victorias-cheapest-cars-2023.html">last year found</a> the state’s cheapest car to own and operate was the MG3 Core light Hatch, with monthly costs of $734.84. Even taking into account charging costs and maintenance, you can see how quickly an e-bike would pay for itself.</p> <p><strong>– Get active</strong></p> <p>E-bikes are clearly better for your health than riding in a car.</p> <p>A <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC9790588/">2019 study investigated</a> e‐bike commuting for inactive, overweight people living in regional Australia. It found e-bike users increased their physical activity by an average 90 minutes a week.</p> <p>A <a href="https://onlinelibrary.wiley.com/doi/full/10.1111/sms.14155">literature review in 2022</a> found e-biking was a moderately intense physical activity on measures such as energy expenditure, heart rate and oxygen consumption. The benefits were lower than conventional cycling, but generally greater than walking.</p> <p>Women, in particular, have reported benefits from e-bike use. A <a href="https://activetravelstudies.org/article/id/991/">New Zealand study</a> showed e-bikes provided less fit women with “more empowering physical activity experiences” and increased their cycling confidence.</p> <h2>The cons</h2> <p><strong>– Safety challenges</strong></p> <p>Like any form of mobility, e-bikes must be used safely. Concerns around e-bikes include <a href="https://www.abc.net.au/news/2023-09-13/fat-bike-boom-in-sydney-sparks-safety-fears/102823330">speeding</a>, <a href="https://www.nbcnews.com/nightly-news/video/concerns-grow-over-safety-of-e-bikes-amid-reports-of-accidents-192619077845">accidents</a> and people riding <a href="https://www.nbnnews.com.au/2024/03/20/e-bike-safety-concerns-spark-in-lennox-head/">without helmets</a>.</p> <p>In May this year, Sydney’s Northern Beaches Council <a href="https://www.northernbeaches.nsw.gov.au/e-bike-and-e-scooter-safety">launched a public awareness</a> campaign on e-bike safety. <a href="https://www.northernbeaches.nsw.gov.au/council/news/media-releases/northern-beaches-council-leads-pack-e-bike-safety-campaign">The advice includes</a>:</p> <ul> <li>slow to walking pace when others are on the path</li> <li>ring your bell to signal your approach</li> <li>be ready for sudden changes.</li> </ul> <p>Government regulation on e-bikes is also important for public safety. For example <a href="https://fit-ebike.com/en-en/about-us/blog/s-pedelecs/">in Germany</a>, high-speed e-bikes are classed as mopeds and cannot be ridden on bike paths.</p> <p>Separately, e-bikes usually contain lithium-ion batteries which can explode and start fires – particularly in e-bikes bought from overseas retailers that don’t meet Australian standards. Before buying, <a href="https://www.fire.nsw.gov.au/page.php?id=9406">check advice from fire authorities</a>.</p> <figure><iframe src="https://www.youtube.com/embed/U58Pv7-7fnE?wmode=transparent&amp;start=0" width="440" height="260" frameborder="0" allowfullscreen="allowfullscreen"></iframe></figure> <p><strong>– Lack of cycling and charging infrastructure</strong></p> <p>Well-designed <a href="https://www.sciencedirect.com/science/article/pii/S2214140519301033">cycling infrastructure</a> encourages e-bike use. In Australia, governments are <a href="https://www.infrastructureaustralia.gov.au/sites/default/files/2019-06/Cycling_Infrastructure_Background_Paper_16Mar09_WEB.pdf">slowly accepting</a> the need for infrastructure such as dedicated bike lanes and <a href="https://www.transport.nsw.gov.au/get-nsw-active/emicro-smart-micro-mobility-infrastructure">charging stations</a>, but <a href="https://theconversation.com/why-do-so-few-people-cycle-for-transport-in-australia-6-ideas-on-how-to-reap-all-the-benefits-of-bikes-229811">more money</a> is needed.</p> <p>In the Netherlands, a surge in e-bike sales has <a href="https://www.government.nl/topics/bicycles">driven</a> investments in cycling paths, improvements in bicycle parking at train stations, and other efforts to promote cycling and e-bike use.</p> <p><strong>– Higher upfront cost than a regular bike</strong></p> <p>The cost of buying an e-bike can be a barrier for some. For example, <a href="https://activetravelstudies.org/article/id/991/">NZ-based research</a> found the purchase cost meant the benefits were less likely to be available to lower-income women.</p> <p>So how can the cost barrier be overcome? In Australia, some companies offer e-bike rentals, via a weekly <a href="https://lug-carrie.com">subscription service</a>. And overseas, <a href="https://www.pbsc.com/blog/2021/09/pbsc-e-bike-sharing-schemes-in-15-cities-around-the-world">share schemes</a> mean people can access e-bikes without having to buy one.</p> <p>In 2023, <a href="https://www.service.tas.gov.au/services/government-help-and-support/concessions-and-discounts/apply-for-an-electric-vehicle-or-e-mobility-rebate">Tasmania became the first Australian state</a> to offer a subsidy for e-bike purchases, and the uptake was rapid. However, the scheme has now closed.</p> <p><strong>– Environmental impacts</strong></p> <p>Almost everything we buy has an environmental impact, and electric bikes are no exception. However, they are obviously a better alternative to conventional cars – and also have less impact than electric vehicles.</p> <p>Over the total lifecycle of the product, including manufacturing, an e-bike emits <a href="https://ecf.com/resources/cycling-facts-and-figures/environmental">about 10%</a> of the CO₂ emissions associated with producing an electric car, according to the European Cyclists Federation. And e-bikes <a href="https://electrek.co/2023/05/04/you-cant-trust-electric-bike-companies-battery-range/">consume</a> about <a href="https://ebikes.ca/learn/solar.html#:%7E:text=6%20wh%2Fkm%20would%20be,heavy%20loads%20and%20riding%20fast.">15 watt-hours per kilometre</a>, compared to electric cars which <a href="https://www.drive.com.au/caradvice/what-is-a-good-energy-consumption-figure-for-electric-vehicles/">consume around</a> 150 to 200 watt-hours per kilometre.</p> <p>E-bike battery systems also typically require fewer raw materials and simpler design than an electric vehicle, which <a href="https://www.sciencedirect.com/science/article/pii/S0892687524000293">simplifies</a> the battery recycling process.</p> <h2>Cleaner, cheaper, better</h2> <p>Electric cars are crucial for replacing traditional vehicles on longer routes and for family travel. However, e-bikes offer a more affordable and lower-impact solution for commuting and short-distance travel – and if you buy a cargo e-bike, you can even take your family.</p> <p>Mass adoption of e-bikes in Australia requires better cycling infrastructure, new government regulation and price incentives. But in the meantime, thousands of Australians are already enjoying the benefits of e-bikes. Perhaps you could too?</p> <p><em><a href="https://theconversation.com/profiles/muhammad-rizwan-azhar-1472288">Muhammad Rizwan Azhar</a>, Lecturer of Chemical Engineering, Sustainable Energy and Resources, <a href="https://theconversation.com/institutions/edith-cowan-university-720">Edith Cowan University</a> and <a href="https://theconversation.com/profiles/waqas-uzair-1486684">Waqas Uzair</a>, Research Associate, Advanced Battery Systems and Safety, <a href="https://theconversation.com/institutions/edith-cowan-university-720">Edith Cowan University</a></em></p> <p><em>Image credits: Shutterstock </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/is-an-electric-bike-right-for-you-heres-what-to-consider-before-you-buy-230024">original article</a>.</em></p> </div>

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What you should know before you start chasing bargains at the EOFY sales

<div class="theconversation-article-body"><em><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></em></p> <p>What cost-of-living crisis? Millions of Australians are expected to spend <a href="https://www.roymorgan.com/findings/9592-ara-roy-morgan-media-release-eofy-mid-year-sales-2024">A$10.1 billion</a> during the end of financial year (EOFY) sales.</p> <p>Many products, from cars and holiday packages to clothing and white goods will be available at marked down prices over the next few weeks.</p> <p>Clothing and accessories will attract the biggest spend, followed by electronics and technology, household items and decorations and then appliances and white goods.</p> <p>To put the estimated $10.1 billion EOFY spend in perspective, in 2023 Australians spent <a href="https://ecommerce-report.auspost.com.au/">$361 billion on retail goods</a>, with $63.6 billion of that spent online.</p> <p>With such high spending, consumers need to make informed decisions to maximise their savings and avoid pitfalls.</p> <h2>Buyer beware</h2> <p>It is important to understand the return and exchange policies of the different retail stores.</p> <p>Most retailers allow shoppers who change their mind up to 30 days to return and receive a refund or exchange the product. Some may have shorter return periods or may not accept returns on sale items.</p> <p>These items are sometimes referred to as final sales, non-refundable purchases, last-chance deals, no-return sales and clearance items. This means if a customer bought something on sale and later doesn’t want it, they can’t return or exchange it.</p> <p>Some retailers have specific conditions about where items can be returned. For example, in Melbourne <a href="https://www.davidjones.com/return-options">David Jones</a> requires boutique brands to be returned to specific branch locations. For example, items purchased instore from Chanel can only be returned at Elizabeth Street and Bourke Street Mall branches.</p> <p>Other conditions might include <a href="https://www.myer.com.au/content/returns-exchanges">no refunds/no exchanges</a> on large electrical items, furniture or mattresses unless faulty or damaged. Or retailers may only offer instore credit or charge a <a href="https://www.davidjones.com/return-options">25% restocking fee</a> when a customer cancels an order for a large or bulky item.</p> <p>Many retailers, such as streetwear brand <a href="https://www.culturekings.com.au/pages/shipping-returns">Culture Kings</a>, also require a payment if the return process involves shipping.</p> <p>As well as these conditions, retailers require any returned items to be in their original condition and sometimes, their original packaging. Being aware of these policies can help customers make more informed decisions and avoid being stuck with items they don’t want.</p> <h2>What to buy and where to get it</h2> <p>Certain items, such as off-season clothing, electronics and furniture are often discounted during EOFY sales, making it a good time to get them at reduced cost.</p> <p>However, some items, like the latest Playstation or newest smart phone, may not be as heavily discounted and might be better bought at other times of the year.</p> <p>Shoppers should also avoid buying items they are unlikely to use or consume before they expire including perishable goods like food, cosmetics and vitamins.</p> <hr /> <p><iframe id="dnC1Y" class="tc-infographic-datawrapper" style="border: none;" src="https://datawrapper.dwcdn.net/dnC1Y/" width="100%" height="400px" frameborder="0"></iframe></p> <hr /> <p>It’s also important to consider the value of the item and whether the discount offered during sales justifies the purchase, especially for big-ticket items that may require significant storage space or maintenance.</p> <p>Customers should also consider where to buy their items. Online retailers often have competitive prices and a wide selection, but some customers may prefer to see the item before they purchase instore.</p> <p><a href="https://journals.sagepub.com/doi/full/10.1177/14413582231167664">Multi-channel shopping</a> is a combination of both instore and online shopping. It gives customers the flexibility to choose how and where they want to browse and purchase.</p> <p>For example, some customers prefer to touch, feel and try a product instore but then make the purchase online for convenience, taking advantage of any free shipping offers and online discount.</p> <h2>Pressure tactics</h2> <p>It is important to be wary any deceptive tactics to persuade you to buy unwanted products.</p> <p>For example, some stores might use misleading advertising or pressure tactics to convince customers to make purchases with the feeling of fear of missing out (FOMO).</p> <p><a href="https://onlinelibrary.wiley.com/doi/full/10.1111/ijcs.12649?casa_token=271MN72XdP8AAAAA%3AfhYF_2yUJtM7KGv5jvFdXn5UsXQLkMcIM_F6hffYa30QaSdRivjf2mhFX-cr5C7ttCuLl1-e2OFYXBA">Our research found</a> FOMO played a role in panic buying.</p> <p>During the EOFY sales, businesses may try to create a sense of urgency by claiming that items are selling out quickly or prices will increase soon.</p> <p>For example, online sites might state a product is “low in stock”, “151 items have been sold today” or “25 people are watching this item”.</p> <p>By being aware these tactics are intended to lock them into buying, customers can take their time to consider purchases carefully and avoid being swayed into buying things they do not really want or need.</p> <p>Ultimately, the best approach for customers is to plan ahead, research prices and shop around to find the best deals for their needs.</p> <h2>Why we have EOFY sales</h2> <p>The original purpose of the EOFY is to mark the end of a 12-month accounting period for businesses and individuals. EOFY sales help businesses clear out last year’s stock and make way for new.</p> <p>Moving stock also helps to improve the bottom line by converting unsold goods into revenue.</p> <p>If consumers are savvy, they can find ways to make savings while also putting money back into the economy.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/232568/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><a href="https://theconversation.com/profiles/park-thaichon-175182"><em>Park Thaichon</em></a><em>, Associate Professor of Marketing, <a href="https://theconversation.com/institutions/university-of-southern-queensland-1069">University of Southern Queensland</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/what-you-should-know-before-you-start-chasing-bargains-at-the-eofy-sales-232568">original article</a>.</em></p> </div>

Money & Banking

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Teen athlete's tragic death just weeks before Paris Games

<p>A young Olympic hopeful has tragically died just weeks out from making his debut at the Paris Games. </p> <p>Jackson James Rice, 18, was found dead after a diving accident in Faleloa, Tonga on Saturday from a “suspected shallow water blackout”.</p> <p>The teenager had been set to become the first caucasian to represent Tonga at an Olympic Games, having qualified for the new kite-foiling event.</p> <p>He had been free diving from a boat when the tragedy unfolded. </p> <p>His body was found beneath the boat and despite several resuscitation attempts, he could not be revived. </p> <p>Rice's heartbroken father confirmed the news of the teenager's death to the Matangi Tonga newspaper, as tributes flowed for the young athlete.</p> <p>Rice’s sister Lily paid an emotional tribute to her brother on social media on Sunday, as she wrote on Facebook, “I was blessed with the most amazing brother in the whole world and it pains me to say that he’s passed away."</p> <p>“He was an amazing kitefoiler and he would have made it to the Olympics and come out with a big shiny medal … he made so many amazing friends all over the world.”</p> <p>Other friends paid tribute to the teenager on social media, with one writing, “I can’t begin to put into words what I’m feeling right now. I still cannot believe it, when I woke up to this news I thought you were playing around. You’re the most amazing friend anyone could ask for and anyone who has spent time with you would agree.”</p> <p>Rice was originally born in the US but moved to Tonga at a young age with his British-born parents. </p> <p>He grew up in Haʻapai, where his parents run a tourist lodge, and always viewed himself as Tongan.</p> <p>The talented athlete qualified for what had been due to be his first Olympic Games last December, after placing eighth at a Sail Sydney event.</p> <p><em>Image credits: Instagram </em></p>

Caring

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Fergie reveals the advice she received from Queen Elizabeth before she died

<p dir="ltr">Sarah Ferguson has revealed the heartfelt advice she received from Queen Elizabeth before she died.</p> <p dir="ltr">In an interview with <a href="https://www.hellomagazine.com/royalty/555582/sarah-ferguson-feeling-better-than-ever-exclusive-interview/"><em>Hello</em>!</a> magazine, the Duchess of York has opened up about her battle with cancer, and how a piece of advice she received from the late Queen helped her through her health journey. </p> <p dir="ltr">Speaking about how her outlook on life has changed after her diagnosis, Fergie reflected on what her ex-mother-in-law said to her before she passed away. </p> <p dir="ltr">"One of the only people who saw me properly was the Queen [the late Elizabeth II]," she told the publication. "And before she died, she said: 'Sarah, being yourself is enough'."</p> <p dir="ltr">The Duchess of York still carries that advice with her to this day, explaining that she's raised her daughters, Princess Beatrice and Princess Eugenie, to be honest in who they are.</p> <p dir="ltr">Fergie has previously opened up about her relationship with the late Queen, sharing how her words of wisdom have impacted her for years. </p> <p dir="ltr">In September 2023, she shared that the last thing the Queen ever said to her was to “just be yourself”. </p> <p dir="ltr">"And she saw it. She just got so annoyed when I wasn't being myself," she explained on an episode of the podcast Tea Talks with the Duchess and Sarah. "And that's probably when I got into all the pickles. But now I am myself, and I'm just so lucky to be able to be myself."</p> <p dir="ltr">Earlier that same year, the Duchess reflected on the calming presence of the Queen, telling <em><a href="https://people.com/sarah-ferguson-reveals-queen-elizabeth-last-words-before-death-7964451">People</a></em> magazine that Queen Elizabeth was "so brilliant at putting you at ease," adding, "She had the most incredible faith of any single person I've ever met."</p> <p dir="ltr">"She just knew what to do," Fergie continued. "She knew how to make people feel good. She never took it onboard as about her."</p> <p dir="ltr"><em>Image credits: Getty Images</em></p>

Family & Pets

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10 questions you must ask before booking a tour

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

Travel Tips

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Vitamins and supplements: what you need to know before taking them

<p><em><a href="https://theconversation.com/profiles/neelaveni-padayachee-1018709">Neelaveni Padayachee</a>, <a href="https://theconversation.com/institutions/university-of-the-witwatersrand-894">University of the Witwatersrand</a> and <a href="https://theconversation.com/profiles/varsha-bangalee-1253468">Varsha Bangalee</a>, <a href="https://theconversation.com/institutions/university-of-kwazulu-natal-1941">University of KwaZulu-Natal</a></em></p> <p>If you were to open your medicine cabinet right now, there’s a fair chance that you’d find at least one bottle of vitamins alongside the painkillers, plasters and cough syrup.</p> <p>After all, people are definitely buying vitamins: in 2020, the global market for complementary and alternative medicines, which includes multivitamin supplements, had an estimated value of <a href="https://www.grandviewresearch.com/industry-analysis/complementary-alternative-medicine-market">US$82.27 billion</a>. The use of natural health products such as minerals and amino acids has <a href="https://journals.lww.com/nutritiontodayonline/Abstract/2007/03000/Why_People_Use_Vitamin_and_Mineral_Supplements.4.aspx">increased</a> – and continues to rise, partly driven by consumers’ buying habits during the COVID-19 pandemic.</p> <p>People <a href="https://www.businesslive.co.za/bd/companies/healthcare/2021-02-08-native-sales-of-sas-vitamins-and-nutritional-supplements-boom/">sought out</a> vitamins C and D, as well as zinc supplements, as potential preventive measures against the virus – even though the <a href="https://www.health.harvard.edu/blog/do-vitamin-d-zinc-and-other-supplements-help-prevent-covid-19-or-hasten-healing-2021040522310">evidence</a> for their efficacy was, and <a href="https://pubmed.ncbi.nlm.nih.gov/35888660/#:%7E:text=Concluding%2C%20available%20data%20on%20the,trials%20(RCTs)%20are%20inconsistent">remains</a>, inconclusive.</p> <p>Multivitamins and mineral supplements are easily accessible to consumers. They are often marketed for their health claims and benefits – sometimes unsubstantiated. But their potential adverse effects are not always stated on the packaging.</p> <p>Collectively, vitamins and minerals are known as micronutrients. They are essential elements needed for our bodies to function properly. Our bodies can only produce micronutrients in small amounts or not at all. We get the bulk of these nutrients <a href="https://www.iprjb.org/journals/index.php/IJF/article/view/1024">from our diets</a>.</p> <p>People usually buy micronutrients to protect against disease or as dietary “insurance”, in case they are not getting sufficient quantities from their diets.</p> <p>There’s a common perception that these supplements are harmless. But they can be dangerous at incorrect dosages. They provide a false sense of hope, pose a risk of drug interactions – and can delay more effective treatment.</p> <h2>Benefits</h2> <p>Vitamins are beneficial if taken for the correct reasons and as prescribed by your doctor. For example, folic acid supplementation in pregnant women has been shown to prevent neural tube defects. And individuals who reduce their intake of red meat without increasing legume consumption require a vitamin B6 supplement.</p> <p>But a worrying trend is increasing among consumers: intravenous vitamin therapy, which is often punted by celebrities and social media marketing. Intravenous vitamins, nutrients and fluids are administered at pharmacies as well as beauty spas, and more recently “<a href="https://www.health.harvard.edu/blog/drip-bar-should-you-get-an-iv-on-demand-2018092814899">IV bars</a>”. Users believe these treatments can quell a cold, slow the effects of ageing, brighten skin, fix a hangover or just make them feel well.</p> <p>Intravenous vitamin therapy was previously only used in medical settings to help patients who could not swallow, needed fluid replacements or had an electrolyte imbalance.</p> <p>However, the evidence to support other benefits of intravenous vitamin therapy is limited. No matter how you choose to get additional vitamins, there are risks.</p> <h2>Warning bells</h2> <p>Most consumers use multivitamins. But others take large doses of single nutrients, especially vitamin C, iron and calcium.</p> <p>As lecturers in pharmacy practice, we think it’s important to highlight the potential adverse effects of commonly used vitamins and minerals:</p> <ul> <li> <p><a href="https://www.hsph.harvard.edu/nutritionsource/vitamin-a/">Vitamin A/retinol</a> is beneficial in maintaining good eye health. But it can cause toxicity if more than 300,000IU (units) is ingested. Chronic toxicity (hypervitaminosis) has been <a href="https://www.ncbi.nlm.nih.gov/books/NBK532916/">associated</a> with doses higher than 10,000IU a day. Symptoms include liver impairment, loss of vision and intracranial hypertension. It can cause birth defects in pregnant women.</p> </li> <li> <p><a href="https://www.hsph.harvard.edu/nutritionsource/niacin-vitamin-b3/">Vitamin B3</a> is beneficial for nervous and digestive system health. At moderate to high doses it can cause peripheral vasodilation (widening or dilating of the blood vessels at the extremities, such as the legs and arms), resulting in skin flushing, burning sensation, pruritis (itchiness of the skin) and hypotension (low blood pressure).</p> </li> <li> <p><a href="https://www.hsph.harvard.edu/nutritionsource/vitamin-b6/">Vitamin B6</a> is essential for brain development and in ensuring that the immune system remains healthy. But it can result in damage to the peripheral nerves, such as those in the hands and feet (causing a sensation of numbness and often referred to as pins and needles) at doses over 200mg/daily.</p> </li> <li> <p><a href="https://www.hsph.harvard.edu/nutritionsource/vitamin-c/">Vitamin C</a> is an antioxidant and assists in the repair of body tissue. Taken in high doses it can cause kidney stones and interactions with drugs, such as the oncology drugs doxorubicin, methotrexate, cisplatin and vincristine.</p> </li> <li> <p><a href="https://www.hsph.harvard.edu/nutritionsource/vitamin-d/">Vitamin D</a> is essential for bone and teeth development. At high doses it can cause hypercalcaemia (calcium level in the blood is above normal) that results in thirst, excessive urination, seizures, coma and death.</p> </li> <li> <p><a href="https://www.hsph.harvard.edu/nutritionsource/calcium/#:%7E:text=Calcium%20is%20a%20mineral%20most,heart%20rhythms%20and%20nerve%20functions">Calcium</a> is essential for bone health, but can cause constipation and gastric reflux. High doses can cause hypercalciuria (increased calcium in the urine), kidney stones and secondary hypoparathyroidism (underactive parathyroid gland). It can have drug interactions with zinc, magnesium and iron.</p> </li> <li> <p><a href="https://www.hsph.harvard.edu/nutritionsource/magnesium/">Magnesium</a> is important for muscle and nerve functioning. At high doses it can cause diarrhoea, nausea and abdominal cramping, and can interact with tetracyclines (antibiotics).</p> </li> <li> <p>Zinc <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC7781367/">can impair</a> taste and smell, and doses over 80mg daily have been <a href="https://link.springer.com/article/10.1007/s10654-022-00922-0#:%7E:text=Zinc%20supplementation%20of%20more%20than,zinc%20supplements%20among%20adult%20men.">shown</a> to have adverse prostate effects.</p> </li> <li> <p><a href="https://www.hsph.harvard.edu/nutritionsource/selenium/">Selenium</a> can cause hair and nail loss or brittleness, lesions of the skin and nervous system, skin rashes, fatigue and mood irritability at high doses.</p> </li> <li> <p><a href="https://www.sciencedirect.com/science/article/pii/S0098299720300364#:%7E:text=Expert%20guidelines%20for%20oral%20iron%20supplementation&amp;text=Traditionally%2C%20the%20recommended%20daily%20dose,iron%20(Brittenham%2C%202018).">Iron</a> at 100-200mg/day can cause constipation, black faeces, black discoloration of teeth and abdominal pain.</p> </li> </ul> <h2>Recommendations</h2> <p>People need to make <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC8377299/">informed decisions</a> based on evidence before consuming health products.</p> <p>Regular exercise and a well-balanced diet are more likely to do us good, as well as being lighter on the pocket.</p> <p>Seeking advice from a healthcare professional before consuming supplements can reduce the risk of adverse effects.</p> <p>Be aware of the potential adverse effects of vitamins and seek a healthcare professional’s guidance if you have symptoms.<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/198345/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><em><a href="https://theconversation.com/profiles/neelaveni-padayachee-1018709">Neelaveni Padayachee</a>, Senior Lecturer, Department of Pharmacy and Pharmacology, <a href="https://theconversation.com/institutions/university-of-the-witwatersrand-894">University of the Witwatersrand</a> and <a href="https://theconversation.com/profiles/varsha-bangalee-1253468">Varsha Bangalee</a>, Associate Professor, Pharmaceutical Sciences, <a href="https://theconversation.com/institutions/university-of-kwazulu-natal-1941">University of KwaZulu-Natal</a></em></p> <p><em>Image credits: Getty Images </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/vitamins-and-supplements-what-you-need-to-know-before-taking-them-198345">original article</a>.</em></p>

Body

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Terminal lucidity: why do loved ones with dementia sometimes ‘come back’ before death?

<p><em><a href="https://theconversation.com/profiles/yen-ying-lim-355185">Yen Ying Lim</a>, <a href="https://theconversation.com/institutions/monash-university-1065">Monash University</a> and <a href="https://theconversation.com/profiles/diny-thomson-1519736">Diny Thomson</a>, <a href="https://theconversation.com/institutions/monash-university-1065">Monash University</a></em></p> <p>Dementia is often described as “the long goodbye”. Although the person is still alive, dementia slowly and irreversibly chips away at their memories and the qualities that make someone “them”.</p> <p>Dementia eventually takes away the person’s ability to communicate, eat and drink on their own, understand where they are, and recognise family members.</p> <p>Since as early as the <a href="https://pubmed.ncbi.nlm.nih.gov/21764150/">19th century</a>, stories from loved ones, caregivers and health-care workers have described some people with dementia suddenly becoming lucid. They have described the person engaging in meaningful conversation, sharing memories that were assumed to have been lost, making jokes, and even requesting meals.</p> <p>It is estimated <a href="https://pubmed.ncbi.nlm.nih.gov/20010032/">43% of people</a> who experience this brief lucidity die within 24 hours, and 84% within a week.</p> <p>Why does this happen?</p> <h2>Terminal lucidity or paradoxical lucidity?</h2> <p>In 2009, researchers Michael Nahm and Bruce Greyson coined the term “<a href="https://pubmed.ncbi.nlm.nih.gov/21764150/">terminal lucidity</a>”, since these lucid episodes often occurred shortly before death.</p> <p>But not all lucid episodes indicate death is imminent. <a href="https://alz-journals.onlinelibrary.wiley.com/doi/10.1002/alz.13667">One study</a> found many people with advanced dementia will show brief glimmers of their old selves more than six months before death.</p> <p>Lucidity has also been <a href="https://www.sciencedirect.com/science/article/pii/S0167494311001865?via%3Dihub">reported</a> in other conditions that affect the brain or thinking skills, such as meningitis, schizophrenia, and in people with brain tumours or who have sustained a brain injury.</p> <p>Moments of lucidity that do not necessarily indicate death are sometimes called <a href="https://alz-journals.onlinelibrary.wiley.com/doi/10.1002/alz.12579">paradoxical lucidity</a>. It is considered paradoxical as it defies the expected course of neurodegenerative diseases such as dementia.</p> <p>But it’s important to note these episodes of lucidity are temporary and sadly do not represent a reversal of neurodegenerative disease.</p> <h2>Why does terminal lucidity happen?</h2> <p>Scientists have struggled to explain why terminal lucidity happens. Some episodes of lucidity have been reported to occur in the presence of loved ones. Others have reported that <a href="https://psywb.springeropen.com/articles/10.1186/s13612-014-0024-5">music can sometimes improve lucidity</a>. But many episodes of lucidity do not have a distinct trigger.</p> <p><a href="https://www.sciencedirect.com/science/article/pii/S0300957223002162">A research team from New York University</a> speculated that changes in brain activity before death may cause terminal lucidity. But this doesn’t fully explain why people suddenly recover abilities that were assumed to be lost.</p> <p>Paradoxical and terminal lucidity are also very difficult to study. Not everyone with advanced dementia will experience episodes of lucidity before death. Lucid episodes are also unpredictable and typically occur without a particular trigger.</p> <p>And as terminal lucidity can be a joyous time for those who witness the episode, it would be unethical for scientists to use that time to conduct their research. At the time of death, it’s also difficult for scientists to interview caregivers about any lucid moments that may have occurred.</p> <p>Explanations for terminal lucidity extend beyond science. These moments of mental clarity may be a way for the dying person to say final goodbyes, gain closure before death, and reconnect with family and friends. Some believe episodes of terminal lucidity are representative of the person connecting with an afterlife.</p> <h2>Why is it important to know about terminal lucidity?</h2> <p>People can have a variety of reactions to seeing terminal lucidity in a person with advanced dementia. While some will experience it as being peaceful and bittersweet, others may find it deeply confusing and upsetting. There may also be an urge to modify care plans and request lifesaving measures for the dying person.</p> <p>Being aware of terminal lucidity can help loved ones understand it is part of the dying process, acknowledge the person with dementia will not recover, and allow them to make the most of the time they have with the lucid person.</p> <p>For those who witness it, terminal lucidity can be a final, precious opportunity to reconnect with the person that existed before dementia took hold and the “long goodbye” began.<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/202342/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><a href="https://theconversation.com/profiles/yen-ying-lim-355185"><em>Yen Ying Lim</em></a><em>, Associate Professor, Turner Institute for Brain and Mental Health, <a href="https://theconversation.com/institutions/monash-university-1065">Monash University</a> and <a href="https://theconversation.com/profiles/diny-thomson-1519736">Diny Thomson</a>, PhD (Clinical Neuropsychology) Candidate and Provisional Psychologist, <a href="https://theconversation.com/institutions/monash-university-1065">Monash University</a></em></p> <p><em>Image credits: Getty Images</em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/terminal-lucidity-why-do-loved-ones-with-dementia-sometimes-come-back-before-death-202342">original article</a>.</em></p>

Mind

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5 questions to ask before becoming a carer

<p>Thinking about becoming a caregiver? Deciding to step up and provide care for a loved one is a huge responsibility. Make sure you’re prepared and ask these five vital questions first.</p> <p><strong>Do I need to hire help?</strong></p> <p>Just because you’re taking on caregiving duties doesn’t mean you have to be super human. It’s perfectly okay to ask for help, whether it’s in the form of a cleaner or someone to take on tasks that you would prefer to outsource. According to Health.com, 40 per cent of caregivers say dealing with incontinence is one of their most difficult task, while 30 per cent say helping relatives bathe is hard as well.</p> <p><strong>What is my Plan B?</strong></p> <p>If something should happen to you and your schedule or demands change, it’s important to discuss a back-up plan. As the primary carer, a lot of responsibility will rest on you so make sure you have a Plan B before you need one.</p> <p><strong>Should I be compensated?</strong></p> <p>A survey found that 60 per cent of careers adjust their work schedule to look after others, which means either cutting back hours or taking a leave of absence. While you might not want to accept money to care for loved ones, it’s a good idea to have an open discussion with close friends and family about how the responsibilities might impact your life and earning capacity, so that all parties agree on a fair solution.</p> <p><strong>What is Power of Attorney?</strong></p> <p>If you are looking after someone with memory loss, you may need to look into a legal document called power of attorney. Talk to family about who should have this responsibilities, and how you will navigate legal issues that could arise.</p> <p><strong>Who is my support group?</strong></p> <p>Roughly one in three carers don’t receive any help. Having a strong support network of people you can turn to, even just for a chat, can make a huge difference. You might be surprised by how many people you know are also caregivers.</p> <p><em>Image credits: Getty Images </em></p>

Caring

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Love is in the air! Pilot proposes to flight attendant girlfriend before take off

<p>A pilot has proposed to his flight attendant girlfriend just minutes before take off in a heart-warming display of love. </p> <p>Polish pilot Konrad Hanc was captured emerging from the cockpit before embarking on a flight to Kraków to make a surprising announcement over the PA system. </p> <p>Hanc introduced himself to the passengers before explaining the real reason for his message. </p> <p>“On today’s flight there is a very special person," he began.</p> <p>“Ladies and gentlemen, about one and a half years ago in this job I met the most wonderful person that completely changed my life."</p> <p>“You are most precious to me. You are my greatest dream come true. This is why I have to ask you a favour, honey."</p> <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-permalink="https://www.instagram.com/reel/C6EHHyQskLc/?utm_source=ig_embed&amp;utm_campaign=loading" data-instgrm-version="14"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"> </div> </div> </div> <div style="padding: 19% 0;"> </div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"> </div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <div style="padding: 12.5% 0;"> </div> <div style="display: flex; flex-direction: row; margin-bottom: 14px; align-items: center;"> <div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(0px) translateY(7px);"> </div> <div style="background-color: #f4f4f4; height: 12.5px; transform: rotate(-45deg) translateX(3px) translateY(1px); width: 12.5px; flex-grow: 0; margin-right: 14px; margin-left: 2px;"> </div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(9px) translateY(-18px);"> </div> </div> <div style="margin-left: 8px;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 20px; width: 20px;"> </div> <div style="width: 0; height: 0; border-top: 2px solid transparent; border-left: 6px solid #f4f4f4; border-bottom: 2px solid transparent; transform: translateX(16px) translateY(-4px) rotate(30deg);"> </div> </div> <div style="margin-left: auto;"> <div style="width: 0px; border-top: 8px solid #F4F4F4; border-right: 8px solid transparent; transform: translateY(16px);"> </div> <div style="background-color: #f4f4f4; flex-grow: 0; height: 12px; width: 16px; transform: translateY(-4px);"> </div> <div style="width: 0; height: 0; border-top: 8px solid #F4F4F4; border-left: 8px solid transparent; transform: translateY(-4px) translateX(8px);"> </div> </div> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center; margin-bottom: 24px;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 224px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 144px;"> </div> </div> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;"><a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none;" href="https://www.instagram.com/reel/C6EHHyQskLc/?utm_source=ig_embed&amp;utm_campaign=loading" target="_blank" rel="noopener">A post shared by LOT Polish Airlines (@flylot)</a></p> </div> </blockquote> <p>“Will you marry me?” he asked while getting down on one knee, as another flight attendant handed him a bouquet of flowers. </p> <p>His girlfriend, Paula, sprinted up the aisle of the plane before leaping into the arms of her future husband. </p> <p>Passengers watched on in anticipation for her answer with one yelling, “Did she say yes?” to which the beaming captain responded: “She said yes!”</p> <p>Hanc explained that he chose to pop the question on the flight to the Polish city as he met Paula on the same flight just 18 months ago. </p> <p>As the pair embraced in a hug and kiss, passengers erupted in applause, with many taking to the now viral Facebook post to send them well wishes. </p> <p>“I love this! Sweet couple!” one person wrote.</p> <p>”TOTALLYYYYY LOVE IN THE AIR,” another enthusiastic person commented, to which the airline responded: “YES, love IS in the air!”</p> <p><em>Image credits: LOT Polish Airlines</em></p>

Relationships

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Everything you need to know before you travel to Vietnam

<p dir="ltr">So you’ve booked your flight to Vietnam to experience the best of south-east Asia. </p> <p dir="ltr">When travelling to Vietnam, and other Asian countries, there are a handful of tips and tricks to be aware of to ensure you have a smooth sailing travel experience. </p> <p dir="ltr">In comparison to travelling around Western countries, exploring Vietnam comes with a unique set of circumstances, and being prepared for every situation will make sure your trip is one to remember. </p> <p dir="ltr"><strong>Cash is king</strong></p> <p dir="ltr">When it comes to planning your trip to Vietnam, other than booking your flights, hotels and travel insurance, one of your first priorities should be getting your hands on cash. </p> <p dir="ltr">The Vietnamese Dong is a unique currency to get used to, given that $5 AUD is equal to approximately $82,000 VND. </p> <p dir="ltr">Most of the restaurants, cafes and tourist attractions you’ll be heading to will only accept cash, so make sure you seek out an ATM (most ATMs will let you translate to English) and always have a decent amount of cash on hand. </p> <p dir="ltr"><strong>Go off the beaten track </strong></p> <p dir="ltr">Vietnam has so much more to offer than the major cities. </p> <p dir="ltr">While Hanoi and Ho Chi Minh City have a lot of interesting history, tourist attractions and unique cultural experiences, staying in these cities for the entirety of your Vietnam trip is limiting. </p> <p dir="ltr">Make sure you explore coastal towns such as Hoi An, Hue and Phu Quoc, explore the rolling rice fields of Sapa, and don’t forget to book your cruise around the picturesque Ha Long Bay. </p> <p dir="ltr"><strong>Don't be afraid of the food </strong></p> <p dir="ltr">While Vietnamese food is maybe not what you’re used to eating everyday, part of experiencing a different culture is immersing yourself in the food scene. </p> <p dir="ltr">One of the best things you can do when you arrive at your destination is to book a food tour with a local guide (there are many available through TripAdvisor), to take you around and show you a variety of dishes to become accustomed to. </p> <p dir="ltr">Your food tour guide will also help ease your anxiety over ordering food in different places. </p> <p dir="ltr">Another top tip: Restaurants will often be called the name of the dishes they serve. For example, places that sell the delicious Bahn Mi bread rolls will have “Bahn Mi” in their name. </p> <p dir="ltr"><strong>Google Translate is your friend </strong></p> <p dir="ltr">While your hotel staff will often speak good English, other vendors at restaurants or markets may not be as fluent. </p> <p dir="ltr">Downloading the Google Translate app on your phone will allow you to communicate with locals quickly and easily, by typing in what you want to say in English, and letting the app read out the sentence in Vietnamese. </p> <p dir="ltr">Also, the app’s camera feature lets you hover your smartphone camera over something written in Vietnamese, before translating it into English in seconds. </p> <p dir="ltr"><strong>Beware of scams</strong> </p> <p dir="ltr">One of the most common scams in Vietnam is taxi scams. Some people will claim to be a taxi and then jack up the prices once they take you to your destination. </p> <p dir="ltr">To avoid this, only get in registered taxis (that actually look like taxis and not just a random car), and download Grab, which is the Vietnamese version of Uber and is just as easy to use. </p> <p dir="ltr">Another common scam is for market vendors to hike up prices for food and souvenirs, so be ready to barter for a better price. </p> <p dir="ltr"><strong>Make friends with the locals </strong></p> <p dir="ltr">The Vietnamese people are some of the loveliest, kindest and most accommodating in the world. </p> <p dir="ltr">People on the street, hotel staff and restaurant workers are always happy to help you with queries or concerns, so make the most of their local knowledge and don’t be afraid to approach people with a smile. </p> <p dir="ltr"><em>Image credits: Getty Images </em></p>

International Travel