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Readers response: What’s your favourite destination you’ve visited later in life and why?

<p>When it comes to travelling, some destinations are better than others for different points in your life. </p> <p>We asked our readers what their favourite destination they've ever visited later in life is, and the response was overwhelming. Here's what they said. </p> <p><strong>Robin Liersch</strong> - Africa! Not about the big cities but the animals, landscape and people are lovely. Nature at its best.</p> <p><strong>Karen Ambrose</strong> - Sri Lanka. A fabulous tour.</p> <p><strong>Sandra Way</strong> - Switzerland, such a beautiful country.</p> <p><strong>Deb Moore</strong> - Scotland! The highlands. Because of my ancestry, now that I have been there I feel so very drawn back.</p> <p><strong>Wendy Beckhouse</strong> - Cambodia, Angkor Wat is amazing. Beautiful people and great food.</p> <p><strong>Patricia Monro</strong> - Singapore. A beautiful safe country with spectacular scenery everywhere. Our family lived there for a couple of years so our visits were perfect. Simply love Singapore.</p> <p><strong>Christina Hutchings</strong> - Norway. Especially Geirangar. The people and places were fantastic. Would love to go back.</p> <p><strong>Barbara Mules</strong> - Uzbekistan, not at all what I expected. So many beautiful old buildings, good food and lovely people.</p> <p><strong>Elizabeth Jeffreys</strong> - Italy. Love the country, people and food.</p> <p><strong>Helen Dickenson</strong> - Antarctica, the Parthenon and Machu Picchu because I never thought I could physically do it but I’m glad I managed it.</p> <p><strong>Regina Johnson</strong> - South Island, New Zealand. Spectacular.</p> <p><strong>Ian J Wilson</strong> - Japan, without a doubt.</p> <p><strong>Val Goodwin</strong> - Croatia, wonderful place and people.</p> <p><em>Image credits: Shutterstock </em></p>

Travel Tips

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Woman who died in office cubicle found four days later

<p>The body of an employee at one of America's biggest banks was in her office cubicle four days after she passed away, according Arizona police officials. </p> <p>Denise Prudhomme, 60, had used her ID to scan into the building on August 16 at 7am, four days later her dead body was found slumped over in her cubicle at the bank's office in Tempe. </p> <p>“To hear she’s been sitting at the desk like that would make me feel sick,” an employee at Wells Fargo told local news outlet <em>K12News</em>. </p> <p>“And nobody did anything. That’s how she spent her last moments.”</p> <p>The employee told the outlet that several workers had complained of a foul smell when they came back to work after the weekend, but thought it was just bad plumbing. </p> <p>K12News reported that another employee found Prudhomme dead at her desk in a cubicle while walking around the building, and the security guards then alerted police. </p> <p>One employee said that the building's security guards should have found her body earlier. </p> <p>“That’s the scary part. That’s the uneasy part,” they said. </p> <p> “It’s negligence in some part.”</p> <p>Prudhomme’s cause of death has not yet been released, though officials have said that based on the preliminary investigation there was no sign of foul play. </p> <p>The investigation is ongoing. </p> <p>Wells Fargo shared a statement with several other news outlets saying that they were “deeply saddened by the tragic loss of our colleague” and will be providing counsellors to support office employees. </p> <p>They are also co-operating with police in their investigation. </p> <p><em>Image: Larry Zhou / Shutterstock.com</em></p> <p> </p>

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The hidden risks of buy now, pay later: What shoppers need to know

<div class="theconversation-article-body"><em><a href="https://theconversation.com/profiles/vivek-astvansh-1318943">Vivek Astvansh</a>, <a href="https://theconversation.com/institutions/mcgill-university-827">McGill University</a> and <a href="https://theconversation.com/profiles/chandan-kumar-behera-1479139">Chandan Kumar Behera</a>, <a href="https://theconversation.com/institutions/indian-institute-of-management-lucknow-6023">Indian Institute of Management Lucknow</a> </em><iframe style="width: 100%; height: 100px; border: none; position: relative; z-index: 1;" src="https://narrations.ad-auris.com/widget/the-conversation-canada/the-hidden-risks-of-buy-now-pay-later-what-shoppers-need-to-know" width="100%" height="400"></iframe></p> <p><a href="https://www.canada.ca/en/financial-consumer-agency/services/loans/buy-now-pay-later.html">Buy now, pay later</a> is a relatively new form of financial technology that allows consumers to purchase an item immediately and repay the balance at a later time in instalments.</p> <p>Unlike applying for a credit card, buy now, pay later <a href="https://papers.ssrn.com/sol3/papers.cfm?abstract_id=4591446">doesn’t require a credit check</a>. Instead, <a href="https://doi.org/10.1108/EJM-11-2021-0923">these programs use algorithms</a> to perform <a href="https://www.investopedia.com/terms/s/soft-inquiry.asp">“soft” credit checks</a> to determine <a href="https://theconversation.com/if-it-looks-like-debt-lets-treat-it-like-debt-buy-now-pay-later-schemes-need-firmer-regulation-in-nz-211820">a shopper’s eligibility</a>.</p> <p>This means buy now, pay later loans target <a href="https://www.theguardian.com/money/2022/jan/27/buy-now-pay-later-schemes-entice-consumers-spend-more">low-income, tech-savvy</a> <a href="https://www.cnbc.com/2022/10/27/gen-z-and-millennials-prefer-buy-now-pay-later-services.html">millennials and Gen Z shoppers</a> in an effort to <a href="https://libertystreeteconomics.newyorkfed.org/2023/09/who-uses-buy-now-pay-later/">supposedly improve financial inclusion</a> for these groups.</p> <p>However, the newness of buy now, pay later programs means existing <a href="https://doi.org/10.1111/acfi.13100">consumer credit laws don’t cover it</a>. This lack of regulation puts shoppers at financial risk of accumulating higher levels of debt.</p> <h2>Credit cards versus buy now, pay later</h2> <p>There are three key differences between credit cards and buy now, pay later loans. First, while buy now, pay later loans are a line of credit like credit cards are, <a href="https://www.cnbc.com/2022/05/04/klarna-to-report-buy-now-pay-later-data-to-uk-credit-bureaus.html">they don’t impact credit reports</a>. Because of this, shoppers might be less cautious when using buy now, pay later services.</p> <p>Credit cards typically have annual interest rates ranging from <a href="https://www.bankrate.com/finance/credit-cards/what-is-credit-card-apr/#credit-card-apr-vs-credit-card-interest">15 to 26 per cent</a>. While most buy now, pay later loans have no interest, longer term loans have <a href="https://www.cbsnews.com/news/buy-now-pay-later-loans-interest-rate-fees-tips-what-to-know/">annual interest rates of about 37 per cent</a>.</p> <p>Shoppers are <a href="https://hbswk.hbs.edu/item/buy-now-pay-later-how-retails-hot-feature-hurts-lower-income-shoppers">at risk of overusing buy now, pay later programs</a> and accumulating more debt than they can manage. In addition, formal lenders, such as banks, currently have no way of knowing what buy now, pay later debt a person is carrying. The lender, therefore, likely incurs more risk than they are aware of.</p> <p>Second, credit cards typically provide <a href="https://doi.org/10.1080/1369118X.2022.2161830">an interest-free period</a>, after which <a href="https://doi.org/10.1177/03128962211032448">borrowers must pay interest</a>. In contrast, buy now, pay later users typically don’t have interest fees, but can incur <a href="https://doi.org/10.1108/IJBM-07-2022-0324">late fees for missed or late payments</a>.</p> <p>Falling behind on payment terms <a href="https://www.forbes.com/sites/andriacheng/2020/12/16/why-retailers-are-embracing-buy-now-pay-later-service-this-holiday-season/">can result in charges</a> that exceed <a href="https://stateline.org/2022/02/02/regulators-scrutinize-buy-now-pay-later-plans/">typical credit card interest rates</a>, causing more harm than interest payments. Low-income buy now, pay later users are <a href="https://hbswk.hbs.edu/item/buy-now-pay-later-how-retails-hot-feature-hurts-lower-income-shoppers">particularly vulnerable</a> to <a href="https://www.consumerfinance.gov/data-research/research-reports/consumer-use-of-buy-now-pay-later-insights-from-the-cfpb-making-ends-meet-survey/">using overdrafts to cover their buy now, pay later payments</a>.</p> <p>Third, people typically have just a few credit cards, making it easier to keep track of payments. Buy now, pay later users, on the other hand, usually engage with multiple buy now, pay later lenders through retailers. As a result, it’s difficult for them to keep track of all the buy now, pay later lenders and retailers they made purchases from.</p> <h2>What are the Canadian governments doing?</h2> <p>Canada classifies buy now, pay later as an unsecured instalment loan, which means lenders are subject to laws at the federal and provincial levels.</p> <p>Under federal law, there is an <a href="https://www.sec.gov/Archives/edgar/data/1711291/000171129122000011/curo-20211231.htm">annual interest rate cap of 60 per cent</a>. Provincial laws require buy now, pay later lenders to disclose the cost of credit and extend consumer protection rights to buy now, pay later shoppers.</p> <p>At the provincial level, <a href="https://www.canada.ca/en/financial-consumer-agency/services/loans/buy-now-pay-later.html">specific laws come into play</a>. Manitoba, Alberta, Québec, and Ontario have passed laws that require lenders to be licensed before they offer these products and be subject to regulatory oversight.</p> <p>These laws regulate high-cost credit products that have annual rates of 32 per cent or higher. This means buy now, pay later services <em>should</em> fall under this category. However, I found no evidence of buy now, pay later lenders being licensed in Canada. This means either lenders are not aware they fall under these laws, or no one is enforcing them.</p> <p>This ambiguity over whether or not buy now, pay later lenders are subject to regulatory oversight could be a hindrance for banks like the <a href="https://financialpost.com/fp-finance/fintech/why-higher-interest-rates-threaten-the-buy-now-pay-later-bubble">Bank of Nova Scotia and the Canadian Imperial Bank of Commerce</a>, as it deters them from entering the buy now, pay later market despite its profitability.</p> <h2>Questions to ask before using buy now, pay later</h2> <p>Before signing up for a buy now, pay later loan, shoppers should consider the following six questions.</p> <p><strong>1. Payment structure.</strong> How much of the invoice amount needs to be paid upfront? The norm is typically 25 per cent. What is the number of remaining instalments? The answer to this is usually four. Lastly, what is the frequency of instalments? The norm is biweekly.</p> <p><strong>2. Sensitive information.</strong> Does the lender require you to provide information about your chequing account? This is sensitive information to give away and puts you at risk of data breaches. Most buy now, pay later lenders withdraw instalment amounts from chequing accounts or debit cards, potentially exposing shoppers to greater risks than credit cards.</p> <p><strong>3. Interest charges</strong> Does the buy now, pay later lender charge interest on instalment payments? The norm is no.</p> <p><strong>4. Late fees</strong> How much is the late fee, when does it apply and what is the maximum amount of the late fee? Typically, late fees don’t exceed $8 or one-quarter of the invoice amount. Late fees usually kick in if your scheduled payment remains unpaid after 10 days.</p> <p><strong>5. Data responsibility.</strong> Who is responsible for your data? Whether it’s the retailer, the buy now, pay later lender or a company whose cloud storage the provider may be using, you should know. In general, the buy now, pay later lender holds this responsibility.</p> <p><strong>6. Licensing.</strong> Is the buy now, pay later lender licensed to sell the loan? Usually, the <a href="https://dfpi.ca.gov/wp-content/uploads/sites/337/2020/03/afterpay-settlement.pdf">answer to this question is no</a>.</p> <h2>Buy now, pay later regulation</h2> <p>Two sets of laws and regulations should be implemented to address some of these issues. The first set of regulations focuses on how buy now, pay later lenders interact with consumers. These lenders should clearly communicate <a href="https://papers.ssrn.com/sol3/papers.cfm?abstract_id=4359956">all terms and conditions of their loans</a>, including late charges, interest charges and payment schedules, on their platforms to ensure shoppers are fully informed of their financial obligations.</p> <p>The Financial Conduct Authority in the United Kingdom recently issued guidelines allowing buy now, pay later lenders to <a href="https://www.ft.com/content/ca428bc8-65c3-49ed-8ba6-0d6f206098aa">terminate, suspend or restrict access to shopper accounts</a> for any reason without notice. Effective September 2024, New Zealand will require buy now, pay later lenders to <a href="https://theconversation.com/if-it-looks-like-debt-lets-treat-it-like-debt-buy-now-pay-later-schemes-need-firmer-regulation-in-nz-211820">check a shopper’s credit</a> before providing them a buy now, pay later loan.</p> <p>The second set of regulations defines the scope and boundaries of buy now, pay later lenders. On Dec. 9, 2022, California became the first American state to <a href="https://dfpi.ca.gov/2022/12/09/buy-now-pay-later-protect-yourself-before-you-check-out/">classify buy now, pay later as a loan</a>. Such classifications allowed California regulators to <a href="https://stateline.org/2022/02/02/regulators-scrutinize-buy-now-pay-later-plans/">question lenders about their transparency in disclosing the terms of their offerings</a>.</p> <p>The hope is that these laws and regulations will facilitate microlending and not impede the existence of buy now, pay later services, but rather make it safer and more secure for both lenders and users.<!-- 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/215421/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/vivek-astvansh-1318943"><em>Vivek Astvansh</em></a><em>, Associate Professor of Quantitative Marketing and Analytics, <a href="https://theconversation.com/institutions/mcgill-university-827">McGill University</a> and <a href="https://theconversation.com/profiles/chandan-kumar-behera-1479139">Chandan Kumar Behera</a>, PhD Student in Marketing, <a href="https://theconversation.com/institutions/indian-institute-of-management-lucknow-6023">Indian Institute of Management Lucknow</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/the-hidden-risks-of-buy-now-pay-later-what-shoppers-need-to-know-215421">original article</a>.</em></p> </div>

Money & Banking

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Retirement reinvented: how to find fulfilment later in life

<p><em><a href="https://theconversation.com/profiles/tania-wiseman-1183187">Tania Wiseman</a>, <a href="https://theconversation.com/institutions/swansea-university-2638">Swansea University</a></em></p> <p>Retirement can feel like a strange time for many people. Gone is the routine of work, your time is your own – in theory. How to stop chores from taking over can become a tricky balance. Some people retreat and return to work. Often, those that persevere find they are as busy as ever – but not always with the fun leisurely activities they were looking forward to.</p> <p>It’s strange that this is so often the case because retirement is something many of us look forward to for most of our working lives. Indeed, it’s the one time in life when you can really devote yourself to hobbies and interests, leisure and pleasure.<br />This uncertain picture means that approaching retirement can be a time of fear – <a href="https://www.forbes.com/sites/davidkudla/2020/03/13/6-ways-to-ease-your-retirement-anxiety/">retirement anxiety</a> is a real thing. So too are the <a href="https://www.health.harvard.edu/mens-health/retirement-stress-taking-it-too-easy-can-be-bad-for-you">retirement blues</a>.</p> <p>When you add in potential health concerns and financial worries, it’s maybe not surprising that a recent survey found that more than half of <a href="https://www.independent.co.uk/money/more-than-half-of-over40s-feel-anxious-about-retiring-survey-suggests-b2146484.html">over-40s feel anxious about retiring</a>.</p> <p>One retirement challenge is how to replace the <a href="https://www.degruyter.com/document/doi/10.1515/ger-2020-0109/html#:%7E:text=We%20find%20that%20retirement%20changes,effect%20on%20the%20network's%20size.">friendships</a> you make through work. Indeed, it seems the people who fare best in retirement find ways to cultivate connections.</p> <p>The longest-running <a href="https://www.adultdevelopmentstudy.org/">study on human happiness</a> found the thing that makes us most happy in life is our relationships and positive social connections – they also help us to live longer too. Indeed, this 85-year-old Harvard study shows that maintaining quality relationships has a huge benefit for our physical and mental health and wellbeing.</p> <p>Similarly, the charity The Centre for Better Ageing has found that <a href="https://ageing-better.org.uk/resources/later-life-2015-executive-summary">social connections</a> are just as important as money and health to a good later life.</p> <h2>Beyond routine</h2> <p>When it comes to retirement anxiety, <a href="https://link.springer.com/chapter/10.1007/978-3-030-71672-1_2">my research</a> with retirees shows that most people who have been retired for several years learn to manage their concerns and develop <a href="https://link.springer.com/chapter/10.1007/978-3-030-71672-1_5">satisfying and interesting lives</a>.</p> <p>As with a lot of us, most of their time was taken up with home-based chores, self-care, looking after friends and relatives and serving the community – along with working really hard to keep fit, so as to “age well”.</p> <p>But my research also found that negative notions of ageing can <a href="https://link.springer.com/book/10.1007/978-3-030-71672-1">become internalised</a> and prevent people from having fun and making new connections.</p> <p>In my study, people said they were conscious that others might judge the <a href="https://link.springer.com/content/pdf/bfm:978-3-030-71672-1/1?pdf=chapter%20toc">suitability of their leisure choices</a>. While some rebels could only really enjoy a pastime if they knew their children would disapprove (think daytime drinking, gambling, watching TV, cycling on busy roads in a rainstorm and flirting with strangers), most were limited in their leisure choices by this concern.</p> <p>Several did not have any pastimes they enjoyed. <a href="https://link.springer.com/chapter/10.1007/978-3-030-71672-1_6">Those who found a balance</a> had rich and varied leisure lives, but they preferred people from their own age group and a similar background, where they were less likely to be told how amazing they are, for their age.</p> <h2>From anxiety to adventure</h2> <p>While mixing with people from similar backgrounds and age groups can feel safe and comfortable. It can also mean you miss out on new and interesting experiences or having your worldviews challenged or expanded by spending time with different people</p> <p>Retirement is the ideal opportunity to mix things up and gently expand your leisure repertoire. It’s a time to embrace the convivial in the presence of others, not just the usual people you see.</p> <p>If you are happy with your leisure life, great. But if there is a little something missing, a little fun that could enhance it, consider adding in something new. Think outside the box of what’s “<a href="https://link.springer.com/chapter/10.1007/978-3-030-71672-1_5">suitable for your age group</a>”, (what does that even mean?). Indeed, age should not be a barrier to anything, age discrimination is illegal. So if you’re interested then it’s suitable.</p> <p>If you have limited resources learn a language with <a href="https://www.duolingo.com/">Duolingo</a> in five minutes a day. Then when you’re ready, find a language conversation group and join them for a social event.</p> <p>Learn a song, you can do it yourself using YouTube tutorials. If you enjoy that, you could join a community choir, or drag your friends and family to a karaoke night. You could even pick up an instrument and see how it feels to add percussion. Alternatively, perfect a dance at home and if you like it try a dance class – <a href="https://www.youtube.com/watch?v=Oe4xqYSoiUo">pole dancing</a> has become very popular.</p> <p>If you have a bit more time to spare, explore taking an interest to the next level. There are local groups for many activities, including rowing, climbing, circus skills, martial arts and horse riding – what takes your fancy?</p> <p>Not an “organised group” person? Try Frisbee, a boomerang, kite flying, bike rides, skateboarding or roller skating. You don’t have to be with people, just being around them is interesting.</p> <p>For more sedate options consider a cinema club, jazz club, poetry group, or start a quiz team. If you like the TV show <a href="https://www.channel4.com/programmes/the-great-pottery-throw-down">The Great Pottery Throw Down</a> join a ceramic studio and unlock your inner creativity. If you have a free afternoon or evening, look at <a href="https://www.eventbrite.co.uk/">Eventbright</a> and try something random, because we don’t really know what we love until we find it.</p> <p>Nothing has to be a lifelong commitment. If you like it, carry on, if not, then move on to something else. Anything you try will make a good story to tell the younger people in your life – they need to know that later life is an adventure worth working towards.</p> <p>So defy expectations, knock down those mental barriers and try something different. Start today and see where it takes you.<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/201358/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><em><a href="https://theconversation.com/profiles/tania-wiseman-1183187">Tania Wiseman</a>, Associate Professor, Head of Therapies , Faculty of Medicine, Health and Life Science, <a href="https://theconversation.com/institutions/swansea-university-2638">Swansea 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/retirement-reinvented-how-to-find-fulfilment-later-in-life-201358">original article</a>.</em></p>

Retirement Life

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"A night in hospital and a trip to the burns unit later”: Concerned mum's warning against popular fruit

<p><em><strong>Warning: This article contains images that some readers may find distressing.</strong></em></p> <p>An Aussie mum has taken to the internet and shared photos of her son’s severe burns that came as a result of him playing with a popular fruit. “A night in hospital and a trip to the burns unit later.” She began in her Facebook post.</p> <p>Her son Otis was playing happily outside with a lime in the sunshine, but the next day horror ensued.</p> <p>“It wasn’t until the next day that we noticed a rash appeared.” The mother said.</p> <p>The parents had assumed the rash must’ve been an allergic reaction to the lime juice, however, the rash quickly developed into a “horrific burn,” she added.</p> <p>The parents took Otis to the hospital where they were informed their son was suffering from a condition called phytophotodermatitis.</p> <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-permalink="https://www.instagram.com/p/Cku5QH2thxE/?utm_source=ig_embed&utm_campaign=loading" data-instgrm-version="14"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"> </div> </div> </div> <div style="padding: 19% 0;"> </div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"> </div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <div style="padding: 12.5% 0;"> </div> <div style="display: flex; flex-direction: row; margin-bottom: 14px; align-items: center;"> <div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(0px) translateY(7px);"> </div> <div style="background-color: #f4f4f4; height: 12.5px; transform: rotate(-45deg) translateX(3px) translateY(1px); width: 12.5px; flex-grow: 0; margin-right: 14px; margin-left: 2px;"> </div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(9px) translateY(-18px);"> </div> </div> <div style="margin-left: 8px;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 20px; width: 20px;"> </div> <div style="width: 0; height: 0; border-top: 2px solid transparent; border-left: 6px solid #f4f4f4; border-bottom: 2px solid transparent; transform: translateX(16px) translateY(-4px) rotate(30deg);"> </div> </div> <div style="margin-left: auto;"> <div style="width: 0px; border-top: 8px solid #F4F4F4; border-right: 8px solid transparent; transform: translateY(16px);"> </div> <div style="background-color: #f4f4f4; flex-grow: 0; height: 12px; width: 16px; transform: translateY(-4px);"> </div> <div style="width: 0; height: 0; border-top: 8px solid #F4F4F4; border-left: 8px solid transparent; transform: translateY(-4px) translateX(8px);"> </div> </div> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center; margin-bottom: 24px;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 224px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 144px;"> </div> </div> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;"><a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none;" href="https://www.instagram.com/p/Cku5QH2thxE/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by Tiny Hearts (@tinyheartseducation)</a></p> </div> </blockquote> <p>Phytophotodermatitis, more commonly known as margarita burn, is a little-known condition which causes burns to the skin when a chemical called furocoumarin reacts to sunlight.</p> <p>The chemical is found in limes, citrus fruit and some plants.</p> <p>“The small lime he had been innocently playing with - had now burnt his skin horrifically!“ The mum said. “If our story can help raise awareness into phytophotodermatitis at least something good has come out of our horrific experience!”</p> <p>The woman has urged parents to be on the lookout for this little-known skin condition.</p> <p>To minimise the risks of phytophotodermatitis, <a href="https://www.healthline.com/" target="_blank" rel="noopener">Healthline</a> suggests washing hands and other exposed parts of the skin immediately after being outdoors, wearing gloves when gardening, putting on sunscreen before going outdoors and wearing long-sleeved tops and pants in wooded areas.</p> <p>Photo credit: Getty</p>

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Pizza chain's delightfully devilish scheme lets you pay when you die

<p>A delightfully devilish pizza chain is taking the 'buy now, pay later' scheme to the next level, giving customers the chance to pay for their pizza when they die. </p> <p>HELL Pizza is inviting pizza fans to apply for the trial scheme, which involves amending their wills to have their total cost included. </p> <p>The chain has one store in Brisbane, with the rest of its stores located around New Zealand, with customers from both countries able to apply for the scheme, which involves no late fees or penalties.</p> <p>The restaurant will select 666 applicants from each country, who will be invited to sign a real amendment to their wills allowing the cost of their pizza to be collected upon death.</p> <p>According to HELL Pizza CEO Ben Cumming, pizza is one of the simple joys of life, and AfterLife Pay means diners can get their fix without having to dip into the bank account immediately.</p> <p>The scheme emerged after the business was approached by popular 'buy now, pay later' providers who wanted HELL Pizza to offer the service to its customers. </p> <p>The pizza chain's unique AfterLife Pay came as a direct response to this proposal, as a statement against “schemes trapping a growing number of Aussies in spirals of debt”, Cumming said.</p> <p>“We’re seeing a growing number of people using the schemes to buy essential items like food, and we think it’s taking it a step too far when you’ve got quick service restaurants like ours being asked to offer BNPL for what is considered a treat,” he said.</p> <p>“Especially when you consider people are falling behind in their payments and 10.5 percent of loans are in arrears."</p> <p>“AfterLife Pay is a light-hearted campaign that reinforces HELL’s stance on BNPL schemes - you can have your pizza and eat it too without any pesky late fees or penalties.”</p> <p>Applicants can apply for the scheme <a href="https://hellpizza.nz/wickedpedia/2023/05/25/buy-now-pay-much-later/" target="_blank" rel="noopener">online</a>, with the chain's restaurant assuring that you will you won't pay anything for your order until "you're resting six feet under". </p> <p><em>Image credits: HELL Pizza</em></p>

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Am I too old to build muscle? What science says about sarcopenia and building strength later in life

<p><a href="https://theconversation.com/profiles/david-scott-1258511">David Scott</a>, <em><a href="https://theconversation.com/institutions/deakin-university-757">Deakin University</a></em> and <a href="https://theconversation.com/profiles/robin-m-daly-19560">Robin M. Daly</a>, <em><a href="https://theconversation.com/institutions/deakin-university-757">Deakin University</a></em></p> <p>Sarcopenia is the progressive and accelerated loss of muscle mass and strength as we age.</p> <p>The term was coined in the 1980s, and the condition has been recognised as a disease for less <a href="https://onlinelibrary.wiley.com/doi/full/10.5694/mja2.50432">than a decade</a>, but the concept is as old as time: use it or lose it.</p> <p>But what if you’re in your 60s, 70s, 80s or 90s? Is it “too late” to build muscle and fight sarcopenia? Here’s what the research says.</p> <figure class="align-center zoomable"><a href="https://images.theconversation.com/files/525756/original/file-20230511-19-34yuj7.jpg?ixlib=rb-1.1.0&q=45&auto=format&w=1000&fit=clip"><img src="https://images.theconversation.com/files/525756/original/file-20230511-19-34yuj7.jpg?ixlib=rb-1.1.0&q=45&auto=format&w=754&fit=clip" sizes="(min-width: 1466px) 754px, (max-width: 599px) 100vw, (min-width: 600px) 600px, 237px" srcset="https://images.theconversation.com/files/525756/original/file-20230511-19-34yuj7.jpg?ixlib=rb-1.1.0&q=45&auto=format&w=600&h=400&fit=crop&dpr=1 600w, https://images.theconversation.com/files/525756/original/file-20230511-19-34yuj7.jpg?ixlib=rb-1.1.0&q=30&auto=format&w=600&h=400&fit=crop&dpr=2 1200w, https://images.theconversation.com/files/525756/original/file-20230511-19-34yuj7.jpg?ixlib=rb-1.1.0&q=15&auto=format&w=600&h=400&fit=crop&dpr=3 1800w, https://images.theconversation.com/files/525756/original/file-20230511-19-34yuj7.jpg?ixlib=rb-1.1.0&q=45&auto=format&w=754&h=503&fit=crop&dpr=1 754w, https://images.theconversation.com/files/525756/original/file-20230511-19-34yuj7.jpg?ixlib=rb-1.1.0&q=30&auto=format&w=754&h=503&fit=crop&dpr=2 1508w, https://images.theconversation.com/files/525756/original/file-20230511-19-34yuj7.jpg?ixlib=rb-1.1.0&q=15&auto=format&w=754&h=503&fit=crop&dpr=3 2262w" alt="" /></a><figcaption><span class="caption">Exercise training during weight loss can also prevent bone loss.</span> <span class="attribution">Shutterstock</span></figcaption></figure> <h2>Sarcopenia isn’t just unfortunate. It’s dangerous</h2> <p>All of us will start to gradually lose muscle from our mid-30s, but this loss accelerates in later years. For up to 30% of adults aged over 60, the declines are substantial enough to meet the <a href="https://onlinelibrary.wiley.com/doi/10.1002/jcsm.12783">definition for sarcopenia</a>.</p> <p>Sarcopenia increases your risk of falls, fractures, hospitalisation, loss of independence and many other chronic diseases.</p> <p>However, people who are active in early life and maintain this as they age can delay or prevent the <a href="https://onlinelibrary.wiley.com/doi/10.1002/jcsm.13218">onset of sarcopenia</a>.</p> <p>The good news is it’s never too late to make a start, even if you are already experiencing the debilitating effects of sarcopenia.</p> <figure class="align-center zoomable"><a href="https://images.theconversation.com/files/525520/original/file-20230511-29-5201jv.jpg?ixlib=rb-1.1.0&q=45&auto=format&w=1000&fit=clip"><img src="https://images.theconversation.com/files/525520/original/file-20230511-29-5201jv.jpg?ixlib=rb-1.1.0&q=45&auto=format&w=754&fit=clip" sizes="(min-width: 1466px) 754px, (max-width: 599px) 100vw, (min-width: 600px) 600px, 237px" srcset="https://images.theconversation.com/files/525520/original/file-20230511-29-5201jv.jpg?ixlib=rb-1.1.0&q=45&auto=format&w=600&h=392&fit=crop&dpr=1 600w, https://images.theconversation.com/files/525520/original/file-20230511-29-5201jv.jpg?ixlib=rb-1.1.0&q=30&auto=format&w=600&h=392&fit=crop&dpr=2 1200w, https://images.theconversation.com/files/525520/original/file-20230511-29-5201jv.jpg?ixlib=rb-1.1.0&q=15&auto=format&w=600&h=392&fit=crop&dpr=3 1800w, https://images.theconversation.com/files/525520/original/file-20230511-29-5201jv.jpg?ixlib=rb-1.1.0&q=45&auto=format&w=754&h=492&fit=crop&dpr=1 754w, https://images.theconversation.com/files/525520/original/file-20230511-29-5201jv.jpg?ixlib=rb-1.1.0&q=30&auto=format&w=754&h=492&fit=crop&dpr=2 1508w, https://images.theconversation.com/files/525520/original/file-20230511-29-5201jv.jpg?ixlib=rb-1.1.0&q=15&auto=format&w=754&h=492&fit=crop&dpr=3 2262w" alt="" /></a><figcaption><span class="caption">It’s never too late to make a start.</span> <span class="attribution">Shutterstock</span></figcaption></figure> <h2>What the science says</h2> <p>Resistance training is the most effective way to build and strengthen muscle at all ages. That means things like:</p> <ul> <li> <p>lifting free weights like dumbbells</p> </li> <li> <p>using machine weights, like you find in a gym</p> </li> <li> <p>using resistance bands</p> </li> <li> <p>bodyweight exercises such as push-ups, squats, wall-sits or tricep dips.</p> </li> </ul> <p>It’s OK to start with even very light weights, or do modified, easier versions of bodyweight exercises (for example, you might do a shallow squat rather than a deep one, or a push-up against a wall or windowsill instead of on the floor). Something is always better than nothing.</p> <p>Aim to make the exercise harder over time. Lift progressively heavier weights or do increasingly harder versions of bodyweight or resistance band exercises. This is called progressive resistance training.</p> <figure class="align-center zoomable"><a href="https://images.theconversation.com/files/525565/original/file-20230511-27-1sxqpo.jpg?ixlib=rb-1.1.0&q=45&auto=format&w=1000&fit=clip"><img src="https://images.theconversation.com/files/525565/original/file-20230511-27-1sxqpo.jpg?ixlib=rb-1.1.0&q=45&auto=format&w=754&fit=clip" sizes="(min-width: 1466px) 754px, (max-width: 599px) 100vw, (min-width: 600px) 600px, 237px" srcset="https://images.theconversation.com/files/525565/original/file-20230511-27-1sxqpo.jpg?ixlib=rb-1.1.0&q=45&auto=format&w=600&h=400&fit=crop&dpr=1 600w, https://images.theconversation.com/files/525565/original/file-20230511-27-1sxqpo.jpg?ixlib=rb-1.1.0&q=30&auto=format&w=600&h=400&fit=crop&dpr=2 1200w, https://images.theconversation.com/files/525565/original/file-20230511-27-1sxqpo.jpg?ixlib=rb-1.1.0&q=15&auto=format&w=600&h=400&fit=crop&dpr=3 1800w, https://images.theconversation.com/files/525565/original/file-20230511-27-1sxqpo.jpg?ixlib=rb-1.1.0&q=45&auto=format&w=754&h=503&fit=crop&dpr=1 754w, https://images.theconversation.com/files/525565/original/file-20230511-27-1sxqpo.jpg?ixlib=rb-1.1.0&q=30&auto=format&w=754&h=503&fit=crop&dpr=2 1508w, https://images.theconversation.com/files/525565/original/file-20230511-27-1sxqpo.jpg?ixlib=rb-1.1.0&q=15&auto=format&w=754&h=503&fit=crop&dpr=3 2262w" alt="" /></a><figcaption><span class="caption">Aim to make the exercise harder over time.</span> <span class="attribution">Shutterstock</span></figcaption></figure> <p><a href="https://link.springer.com/article/10.1007/s40279-020-01331-7?fbclid=IwAR06PPIz8cf2xZExNvrnlueQp0-7SWQwT1x0bUdnZrgTOqcyiAdTrpufTjU">Clinical trials</a> have consistently shown all adults – even very frail people over the age of 75 – can make significant gains in muscle mass and strength by doing progressive resistance training at least twice a week. The improvements can be seen in as little as eight weeks.</p> <p><a href="https://pubmed.ncbi.nlm.nih.gov/2342214/">One seminal study</a> included ten frail, institutionalised 86–96 year olds who did a high-intensity progressive resistance training program.</p> <p>After just eight weeks, the average mid-thigh muscle area had increased by almost 10% (which is equivalent to the amount of muscle typically lost over a decade) and leg strength increased by about 180%.</p> <p>In other words, these older people were almost three times stronger at the end of the short training program than before.</p> <p>It really can be done. British-Swiss man <a href="https://www.youtube.com/watch?v=rGgoCm1hofM">Charles Eugster</a> (1919–2017), for example, took up progressive resistance training in his late 80s after noticing a decline in his muscle mass. He went on to become a <a href="https://www.bodybuilding.com/fun/lessons-from-a-95-year-old-bodybuilder.html">bodybuilder</a>, and in 2012 gave a TEDx <a href="https://www.youtube.com/watch?v=rGgoCm1hofM">talk</a> titled “Why bodybuilding at age 93 is a great idea”.</p> <figure class="align-center zoomable"><a href="https://images.theconversation.com/files/525755/original/file-20230511-23-xwcq71.jpg?ixlib=rb-1.1.0&rect=0%2C0%2C6689%2C4466&q=45&auto=format&w=1000&fit=clip"><img src="https://images.theconversation.com/files/525755/original/file-20230511-23-xwcq71.jpg?ixlib=rb-1.1.0&rect=0%2C0%2C6689%2C4466&q=45&auto=format&w=754&fit=clip" sizes="(min-width: 1466px) 754px, (max-width: 599px) 100vw, (min-width: 600px) 600px, 237px" srcset="https://images.theconversation.com/files/525755/original/file-20230511-23-xwcq71.jpg?ixlib=rb-1.1.0&q=45&auto=format&w=600&h=400&fit=crop&dpr=1 600w, https://images.theconversation.com/files/525755/original/file-20230511-23-xwcq71.jpg?ixlib=rb-1.1.0&q=30&auto=format&w=600&h=400&fit=crop&dpr=2 1200w, https://images.theconversation.com/files/525755/original/file-20230511-23-xwcq71.jpg?ixlib=rb-1.1.0&q=15&auto=format&w=600&h=400&fit=crop&dpr=3 1800w, https://images.theconversation.com/files/525755/original/file-20230511-23-xwcq71.jpg?ixlib=rb-1.1.0&q=45&auto=format&w=754&h=503&fit=crop&dpr=1 754w, https://images.theconversation.com/files/525755/original/file-20230511-23-xwcq71.jpg?ixlib=rb-1.1.0&q=30&auto=format&w=754&h=503&fit=crop&dpr=2 1508w, https://images.theconversation.com/files/525755/original/file-20230511-23-xwcq71.jpg?ixlib=rb-1.1.0&q=15&auto=format&w=754&h=503&fit=crop&dpr=3 2262w" alt="" /></a><figcaption><span class="caption">Resistance training is the most effective way to build and strengthen muscle at all ages.</span> <span class="attribution">Shutterstock</span></figcaption></figure> <h2>What if my doctor has told me to lose weight?</h2> <p>Many older adults have obesity, which increases the risk of cardiovascular disease and type 2 diabetes.</p> <p>They’re often told to lose weight, but any dieting (or other strategy aimed at weight loss) also usually causes muscle loss.</p> <p>Losing muscle mass in older age could increase the risk for many common chronic conditions. For example, muscle is crucial to keeping blood sugar levels under control, so excessive muscle loss could blunt the benefits of weight loss for people with type 2 diabetes.</p> <p>If you’re losing weight, it’s important to try to minimise muscle mass loss at the same time. How? Progressive resistance training.</p> <p>By combining progressive resistance training with weight loss, one study found the resulting muscle loss is <a href="https://pubmed.ncbi.nlm.nih.gov/29596307/">negligible</a>. (It’s also important that if you are dieting, you are still eating <a href="https://www.clinicalnutritionjournal.com/article/S0261-5614(14)00111-3/fulltext">enough protein</a>, so your body has the ingredients it needs to build new muscle).</p> <p>Exercise training during weight loss can also prevent <a href="https://www.sciencedirect.com/science/article/pii/S2095254621000491">bone loss</a>, which reduces fracture risk in older people.</p> <figure class="align-center zoomable"><a href="https://images.theconversation.com/files/520175/original/file-20230411-26-v63lvh.jpg?ixlib=rb-1.1.0&rect=0%2C19%2C4368%2C2877&q=45&auto=format&w=1000&fit=clip"><img src="https://images.theconversation.com/files/520175/original/file-20230411-26-v63lvh.jpg?ixlib=rb-1.1.0&rect=0%2C19%2C4368%2C2877&q=45&auto=format&w=754&fit=clip" sizes="(min-width: 1466px) 754px, (max-width: 599px) 100vw, (min-width: 600px) 600px, 237px" srcset="https://images.theconversation.com/files/520175/original/file-20230411-26-v63lvh.jpg?ixlib=rb-1.1.0&q=45&auto=format&w=600&h=400&fit=crop&dpr=1 600w, https://images.theconversation.com/files/520175/original/file-20230411-26-v63lvh.jpg?ixlib=rb-1.1.0&q=30&auto=format&w=600&h=400&fit=crop&dpr=2 1200w, https://images.theconversation.com/files/520175/original/file-20230411-26-v63lvh.jpg?ixlib=rb-1.1.0&q=15&auto=format&w=600&h=400&fit=crop&dpr=3 1800w, https://images.theconversation.com/files/520175/original/file-20230411-26-v63lvh.jpg?ixlib=rb-1.1.0&q=45&auto=format&w=754&h=503&fit=crop&dpr=1 754w, https://images.theconversation.com/files/520175/original/file-20230411-26-v63lvh.jpg?ixlib=rb-1.1.0&q=30&auto=format&w=754&h=503&fit=crop&dpr=2 1508w, https://images.theconversation.com/files/520175/original/file-20230411-26-v63lvh.jpg?ixlib=rb-1.1.0&q=15&auto=format&w=754&h=503&fit=crop&dpr=3 2262w" alt="" /></a><figcaption><span class="caption">An accredited exercise professional can help design a program that suits you.</span> <span class="attribution">Shutterstock</span></figcaption></figure> <h2>Aim for at least twice a week – more if you can</h2> <p>Whether or not you’re trying to lose weight, and regardless of whether you think you have sarcopenia, all older adults can benefit from strengthening their muscles.</p> <p>Even if getting to a gym or clinic is hard, there are plenty of resistance exercises you can do at home or outdoors that will help build strength.</p> <figure class="align-right zoomable"><a href="https://images.theconversation.com/files/525783/original/file-20230512-35478-3o1th8.jpg?ixlib=rb-1.1.0&q=45&auto=format&w=1000&fit=clip"><img src="https://images.theconversation.com/files/525783/original/file-20230512-35478-3o1th8.jpg?ixlib=rb-1.1.0&q=45&auto=format&w=237&fit=clip" sizes="(min-width: 1466px) 754px, (max-width: 599px) 100vw, (min-width: 600px) 600px, 237px" srcset="https://images.theconversation.com/files/525783/original/file-20230512-35478-3o1th8.jpg?ixlib=rb-1.1.0&q=45&auto=format&w=600&h=900&fit=crop&dpr=1 600w, https://images.theconversation.com/files/525783/original/file-20230512-35478-3o1th8.jpg?ixlib=rb-1.1.0&q=30&auto=format&w=600&h=900&fit=crop&dpr=2 1200w, https://images.theconversation.com/files/525783/original/file-20230512-35478-3o1th8.jpg?ixlib=rb-1.1.0&q=15&auto=format&w=600&h=900&fit=crop&dpr=3 1800w, https://images.theconversation.com/files/525783/original/file-20230512-35478-3o1th8.jpg?ixlib=rb-1.1.0&q=45&auto=format&w=754&h=1130&fit=crop&dpr=1 754w, https://images.theconversation.com/files/525783/original/file-20230512-35478-3o1th8.jpg?ixlib=rb-1.1.0&q=30&auto=format&w=754&h=1130&fit=crop&dpr=2 1508w, https://images.theconversation.com/files/525783/original/file-20230512-35478-3o1th8.jpg?ixlib=rb-1.1.0&q=15&auto=format&w=754&h=1130&fit=crop&dpr=3 2262w" alt="" width="498" height="747" /></a><figcaption><span class="caption">All older adults can benefit from strengthening their muscles.</span> <span class="attribution">Shutterstock</span></figcaption></figure> <p>Talk to a health professional before starting a moderate to high intensity progressive resistance training program. An accredited exercise professional can help design a program that suits you.</p> <p>Generally, we should aim to do progressive resistance training at least <a href="https://link.springer.com/article/10.1007/s12603-021-1665-8">twice a week</a>.</p> <p>Try to target 8–10 muscle groups, and start out at about 30–40% of your maximum effort before progressing over time to 70–80% of your maximum.</p> <p>As the name suggests, it is key to progressively increase the effort or challenge of your program so you can feel the improvements and achieve your goals.</p> <p>It’s never too late to start training for your fight against sarcopenia and loss of independence in older age. The health benefits will be worth it. As Socrates <a href="https://www.sacred-texts.com/cla/plato/theaetet.htm">said</a> in the 4th Century BC:</p> <blockquote> <p>is not the bodily habit spoiled by rest and idleness, but preserved for a long time by motion and exercise?<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/203562/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> </blockquote> <p><a href="https://theconversation.com/profiles/david-scott-1258511">David Scott</a>, Associate Professor (Research) and NHMRC Emerging Leadership Fellow, <em><a href="https://theconversation.com/institutions/deakin-university-757">Deakin University</a></em> and <a href="https://theconversation.com/profiles/robin-m-daly-19560">Robin M. Daly</a>, Professor of Exercise and Ageing, Institute for Physical Activity and Nutrition, Deakin University, <em><a href="https://theconversation.com/institutions/deakin-university-757">Deakin University</a></em></p> <p>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/am-i-too-old-to-build-muscle-what-science-says-about-sarcopenia-and-building-strength-later-in-life-203562">original article</a>.</p>

Body

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The power of purpose in later life

<p><em><strong>Dr Kate Gregorevic is a geriatrician with a research interest in health and lifestyle factors that are associated with healthy ageing and recovery from illness.</strong></em></p> <p>Having purpose in life is essential to wellbeing. We all want to live a life that has meaning and importance. As we age, our life circumstances change. A job that was once engaging and rewarding looses its’ charm and it’s time to retire. A dependent child grows into an independent adult. These are life events to be celebrated, but they can leave a gap to be filled. As these life events happen, the roles we have used to define ourselves change, which creates a risk of loss of purpose. This can have negative health effects, but it can also be a wonderful opportunity to find new fulfilment.  </p> <p>Living a life with purpose feels good. Amazingly it is also liked with better health and longevity. In a study of a large group of older adults, those with a higher sense of purpose maintained a higher walking speed. This is important as maintaining the ability to walk fast is an excellent indicator of general health and physical reserve to cope with illness. People with purpose have higher levels of physical function, which is so important for independence. A higher level of purpose even decreases the risk of Alzheimer’s and cardiovascular disease. Even for those who already have cognitive impairment, a higher sense of purpose can slow any cognitive decline.</p> <p>There are many reasons purpose has such strong health benefits. People with a sense of purpose do tend to undertake healthier behaviours, including good nutrition and exercise. This group also tend to be proactive in self-care. Even more than this there is also a direct biological effect. People who have a higher purpose have decreased levels of inflammation. Inflammation can be a functional protective response to infection or injury, as an example if you cut your hand, there will be increased blood flow as well as white blood cells to fight infection and cellular transmitters to stimulate healing. The inflammatory response then quickly turns off when it is no longer needed. Inflammation becomes problematic when it is chronically turned on at a low level, which can be a result of stress. Over a long period of time, inflammation can result in frailty, or a decreased reserve to recover from illness and an increased risk of functional decline. People with a higher level of purpose have lower levels of inflammatory markers. This is even true in those who have chronic medical conditions.</p> <p>Purpose in life is a central component of well-being, it reflects the extent to which people see meaning in their life. It is also something we can all work to develop. Living a life rich with purpose is rewarding in its own right. If you feel lost with life changes, it is within your power to define a new role for yourself. We all have our own skills and talents. If you have had many years of life, you will have a huge number of individual resources. Purpose doesn’t have to be showy, like a high-status job. Caring for grandchildren, or volunteering at a nursing home can make a huge difference to other people’s lives and is emotionally enriching. Creating your own goals like a fitness challenge or writing a blog every month are other achievable ways to create purpose.</p> <p>Two thousand years ago, Aristotle wrote that the highest claim of human goods is not happiness, but striving for the best that is within us. We all have our own talents and skills. It is just a matter of applying these as our life circumstances change to get the health benefits of purpose.</p> <p><em>Please note, this article contains general education and should not be interpreted as specific medical advice. If this article raises any health or other concerns, please consult your own medical practitioner. </em></p> <p><em>Images: Getty</em></p>

Retirement Life

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Why you should beware spending rewards and BNPL programs

<p>Malware is software designed to disrupt and destroy, and there are plenty of ‘wolf in sheep’s clothing’ financial programs doing just that to people’s financial futures. Some that come to mind are programs (yes, they’re called ‘programs’) that make it easier to spend and / or reward and incentivise spending, and harder to make good financial decisions. When you get tricked into spending, or spending more than you otherwise would, you transfer your wealth to someone else. The more wealth you consume, the less you have for later on. Let’s consider two marketing malware culprits to avoid wherever possible.</p> <p><strong>Rewards Programs</strong></p> <p>Beware programs that trick you into thinking that spending is good.</p> <p>Consider Flybuys for example. It is a rewards program where you generally receive one Flybuys point for every dollar spend. Therefore, to earn 1 000 000 Flybuys points, you need to spend $1 000 000. What if I told you that the cash value of one Flybuys point is 0.5 cents? That would mean to earn 1 000 000 Flybuys points you’d have to spend $1 000 000, yet that $1 000 000 is really only ‘worth’ $5000. They’ve actually created a system where you think you’re being rewarded on a one-for-one basis (i.e. one dollar spent equals one point) when really you’re being rewarded at the rate of half of one cent for every dollar spent.</p> <p>Additionally, when it comes time to redeem your points, the products you can ‘purchase’ are valued at top dollar, rather than at any discounted price you might be able to find if you shopped around.</p> <p><strong>Buy Now Pay Later (BNPL)</strong></p> <p>Back in the day, department stores offered something called lay-by. This was where you could grab a product off the shelf, take it to the store’s lay-by counter and enter an arrangement with them to pay it off over two or three instalments. Once you’d made the final payment, the product was yours to own and take home. Lay-by was a great option for people who couldn’t access or didn’t want to use credit cards. There were no upfront fees associated with lay-by, and there was certainly no interest charged. </p> <p>Lay-by has been reborn and rebadged as BNPL; you pay by instalments, and you can take the product with you immediately. You won’t pay any fees provided you make the required instalments in full and on time. If you don’t, then you’ll be slugged with establishment fees, late fees, account-keeping fees and payment processing fees.</p> <p>The danger is that BNPL is easier to access than traditional debt options such as credit cards because BNPL is not technically credit since providers don’t charge interest. But BNPL is consumer debt with instant gratification, and that makes it credit in my book.</p> <p>Afterpay is one of the biggest BNPL providers on the planet. It advertises that it is a ‘free service’, provided you pay on time. If you don’t,  their late fee is $10 per missed payment, plus an additional $7 if the payment is still outstanding after a week. It doesn’t sound like a lot, but if you had bought something that only cost $20 and forgot to make a $5 instalment, then the $10 fee is 200 per cent of the missed payment. Ouch! Don’t forget that the fee is per missed payment. If there were other purchases made, then the fee would compound.</p> <p>Late fees, however small, can quickly cascade into a significant sum of money, potentially many times more than the instalment due or even the price of the item purchased. Plus, there are other consequences of missed payments—black marks on credit records, difficulties borrowing for other debt such as a home loan, and the possibility of additional fees as debts are passed over to debt collectors.</p> <p>BNPL organisations profit from users who fail to meet their repayment obligations, and so part and parcel of running a successful business and growing profits would involve them doing well when their customers do poorly. You can’t expect corporate behemoths to do the right thing by you if it’s the wrong thing by them. The best you can do is gain the skills and awareness you need to know when you’re being played. Marketing malware disrupts your ability to accumulate wealth by tricking you into believing you are getting a better deal than is the case. Ideally, you’d avoid using it at all, but if it’s too late for that, then you need to clean up your code as soon as you can.</p> <p>Being rewarded for spending money you haven’t yet earned is a toxic combination that will poison your efforts to attract and keep a fortune that counts.  Make sure you are a good shepherd of your financial flock by being vigilant in keeping an eye out for marketing malware wolves, and not falling for their enticing yet financially disempowering charms. </p> <p><strong>Edited extract from Steve McKnight’s <em>Money Magnet: How to Attract and Keep a Fortune that Counts</em> (Wiley $32.95), now available at all leading retailers. Visit www.moneymagnet.au</strong></p> <p><em>Image: Getty Images</em></p>

Money & Banking

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The financial risks of finding love later in life

<p>Well, they do say all is fair in love and war.</p> <p>For many people who have gone through a divorce or lost a partner and found themselves lonely at an advanced age, the wonder of finding love again can be an amazing experience.</p> <p>Unfortunately though, this joyful experience can sometimes be followed by potentially nasty financial implications that, if you’re not aware of, can leave you considerably out of pocket. </p> <p>One key difference between new couple of a younger age and new couples who are in their later years is that the latter group doesn’t have as much time to build their wealth together, and tend to spend it all immediately.</p> <p>Another cause of conflict is if a partner moves in and starts contributing to a mortgage, which may entitle them to some claim over the house even if it isn’t specifically spelt out in a will. Also, as Dianne Charman of Jade Financial notes, “The sad fact is that gold-diggers do exist. Even in the absence of gold-diggers, there are inheritance issues.”</p> <p>The good news is that while there are risks that come with finding love later in life, there are also ways to ensure that the financial future of you and your partner will be sound.</p> <p>Before moving in together, make a record of every the pair of you own and put in place a binding financial agreement with the help of a lawyer to detail how the finances will be split if the relationship breaks down. It’s recommended that individuals who are looking to formalise their relationship in later years be open about their finances and the level of financial and other support they want to give their children or elderly parents, and when they may be looking to retire.</p> <p>Generally speaking though, the biggest cause of conflict comes when one partner passes away and will are contested, so make sure you spend the time and money to ensure that your specific will is as watertight as possible. A good will can enable you to allow your partner to live in the shared house until their death, but for the home to then be transferred to your beneficiaries.</p> <p>There are many financial implications to finding love at a later stage in life that you need to be aware of, but they needn’t be considered a deterrent. By planning ahead and being honest you can ensure that money will never be a cause of conflict for you and your new partner. </p> <p><em>Image: Getty</em></p>

Legal

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Serena Williams: why more athletes are retiring later

<p>Serena Williams has announced she’s retiring. The tennis star has had a long and decorated career, winning 23 grand slams and establishing herself as one of the most well-known professional athletes in the world. Williams, who is 40, joins a host of other professional athletes who have continued to compete well beyond the <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC7764278/pdf/ijerph-17-09265.pdf" target="_blank" rel="noopener">typical retirement age</a> for athletes – which is between 28-32 years of age. Other notable athletes still competing at the highest level of their sport after 40 include English cricketer James Anderson (who is 40) and American surfer Kelly Slater (who is 50).</p> <p>There are many reasons an athlete may choose to retire from sport, such as injury, illness, fitness or family. But a combination of better training, nutrition and recovery techniques may help explain why a growing number of athletes are competing past what was once considered their “prime”.</p> <h2>Training</h2> <p>Athletes have a wealth of support systems to help them in their training – including their coach, who helps them reach their peak for certain performances and recover between games or competitions.</p> <p>The “old school” approach to training consisted of high-intensity exercise to failure or fatigue – essentially pushing an athlete until they couldn’t do any more during that training session. The main benefit of this approach is that it’s <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC2988497/" target="_blank" rel="noopener">time-efficient</a>, as the more intense the exercise, the less time is needed to achieve the benefits of training.</p> <p>But a more structured approach is now favoured by many athletes and coaches. The reason for this shift in training styles is thanks in large part to research over the past 20 years showing burnout and injuries are more common as a result of overtraining caused by high-intensity exercise.</p> <p>To avoid this, most athletes now use <a href="https://journals.lww.com/nsca-jscr/Fulltext/2015/12000/Current_Scientific_Evidence_for_a_Polarized.34.aspx" target="_blank" rel="noopener">polarised training</a>, which favours moderate-intensity training. Polarised training still improves performance, but with less likelihood of injury or burnout. Athletes may also use concurrent training, which combines both strength and endurance training in the same session. This kind of training is especially useful, considering most types of sports <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC6315763/" target="_blank" rel="noopener">combine both strength and endurance</a>.</p> <p>Sports scientists and coaches now also understand a lot more about the demands of a sport, so they try to tailor training to target specific weaknesses or strengths in an athlete’s performance. All of this leads to less <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC2653871/pdf/381.pdf" target="_blank" rel="noopener">overtraining</a>, <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC8650470/" target="_blank" rel="noopener">illness and injury</a> – which can help extend an athlete’s playing life.</p> <h2>Recovery</h2> <p>We also now know more about the best ways to help an athlete recover.</p> <p>For example, sleep is now known to be extremely important for an athlete’s performance. This is because sleep releases human growth hormone, which is important for <a href="https://link.springer.com/article/10.2165/00007256-198704020-00004" target="_blank" rel="noopener">muscle growth</a> and <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC7844366/" target="_blank" rel="noopener">maintaining muscle mass</a>. This not only allows an athlete to perform at their best, it also helps them be ready for their next training session or competition.</p> <p>Since the body <a href="https://www.sciencedirect.com/science/article/abs/pii/S1096637400800118?via%3Dihub">secretes less human growth hormone</a> as a person ages, ensuring an athlete gets a good night’s sleep can be one strategy for helping them avoid this and maintain their athletic performance.</p> <p>Research also continues to reveal the best approaches for recovery after competition or training. <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC9012715/" target="_blank" rel="noopener">Ice baths</a> are extremely popular now, as these reduce muscle soreness and can help athletes <a href="https://link.springer.com/article/10.1007/s00421-021-04683-8" target="_blank" rel="noopener">recover more quickly</a> when needed.</p> <p>In recent years, more athletes are adopting post-exercise recovery – such as ice baths or compression garments. However, the research on how useful these techniques are is still mixed. Athletes may also <a href="https://journals.humankinetics.com/view/journals/ijspp/16/6/article-p787.xml" target="_blank" rel="noopener">use wearables</a> to track how long it takes their body to recover, which may better guide their training.</p> <p>Better recovery means athletes are less likely to suffer from fatigue or injuries, which may help them compete longer.</p> <h2>Nutrition</h2> <p>Different diets and supplements can be used to enhance performance and recovery.</p> <p>For example, probiotics (live microorganisms often found in fermented foods, such as yoghurt or kimchi) have been shown to help <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC6925426/" target="_blank" rel="noopener">improve the absorption of key nutrients</a> associated with immune system and bone health. This could help an athlete recover faster between competitions.</p> <p>Good nutrition is also key for a long career. It’s well known that as we age we need to maintain our muscle mass differently. This may require adjustments to protein intake depending on the changing demands of exercise.</p> <p><a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC8619485/pdf/nutrients-13-03771.pdf" target="_blank" rel="noopener">Personalised diets</a> are also being adopted by athletes which may take into account their genetics, immune function and digestive system to ensure they’re eating the best diet for their body and to enhance recovery.</p> <p>Personalising diets and changing them throughout their career can allow athletes to maintain their health and performance.</p> <h2>Mental health</h2> <p>An athlete’s mental health is a big reason many decide to retire from competition.</p> <p>Research shows that athletes are more likely to experience mental health problems (such as anxiety) during their <a href="https://link.springer.com/article/10.1007/s40279-016-0492-2" target="_blank" rel="noopener">peak age of performance</a>. But having the <a href="https://bjsm.bmj.com/content/55/22/1243" target="_blank" rel="noopener">right psychological support</a> can prevent mental health problems in athletes, and also give them the right coping mechanisms to deal with the stresses of high level competition. Research even shows <a href="https://www.thelancet.com/journals/lanpsy/article/PIIS2215-0366(21)00397-7/fulltext" target="_blank" rel="noopener">making mental health a priority</a> during training and competition is key to continued success.</p> <p>As we learn more about training, ageing, nutrition and supporting athletes, there’s no doubt we will only continue to see more athletes extending their careers. If they continue to enjoy the sport, adapt to change and maximise their health along the way, it seems logical to continue.</p> <p><strong>This article originally appeared on <a href="https://theconversation.com/serena-williams-why-more-athletes-are-retiring-later-189097" target="_blank" rel="noopener">The Conversation</a>.</strong></p> <p><em>Image: Getty</em></p>

Retirement Life

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Tips for studying later in life

<p>Studying when you’re 60 and beyond is beneficial for many reasons, not only for improving the skills needed in today’s workplace. Learning in your older years keeps your brain active and is an effective way to tackle isolation, loneliness and depression, which can accompany old age. By making the decision to study during this stage in life is a positive thing in itself and is something that you should be proud of. Rather than putting too much pressure on yourself to be the top of your class, just have fun! Here are some tips and things to consider if you’ve decided to keep your mind active with study.</p> <p><strong>Make a commitment</strong></p> <p>As it is with any major life decision or change, deciding to study requires an investment of your time, energy and resources. Sit down and have a think about your priorities, weekly schedule and how studying will fit into your life. Work out what you can and cannot manage and set yourself a new schedule including your study commitments. This way you will know from the outset what is achievable within your current lifestyle so you’ll be better able to make a commitment to study.</p> <p><strong>Time management</strong></p> <p>Just as you would with food shopping, exercise and any childcare responsibilities you have looking after your grandchildren, you'll need to schedule class time and study time. Be firm with yourself and others in your life about making sure you don’t get distracted.</p> <p><strong>Get social</strong></p> <p>Studying later in life might be a daunting experience for some, especially if this is your first time doing any form of tertiary education. Seeking support is always a good idea. Many institutions have both online and virtual spaces where you can interact with other students. Otherwise there is always Facebook, online forums or meet up groups in your local area. Seek out like-minded people in similar situations and see if they want to be study partners or even just catch up for coffee once in a while to swap study stories.</p> <p><strong>Tech savvy</strong></p> <p>There’s no doubt technology has come a long in recent times with a number of new tools and clever devices now available. Find out what’s required in terms of technology skills and tools for any study you wish to undertake. If you are a little technology shy, consider brushing up on your skills. Some local councils or state governments offer free technology courses for seniors. For example, the New South Wales government runs the very popular Tech Savvy Seniors program.</p> <p><strong>Stay positive</strong></p> <p>Don’t get discouraged if you feel a little shy or out of your depth when returning to study. This is a sentiment mirrored by many students of all ages. Just focus on the fact that keeping your mind active is so good for you and anything after that is a bonus.</p> <p><strong>Have fun</strong></p> <p>Don’t pressure yourself to achieve a long list of goals. Take each day as it comes, enjoy the experience and just have fun with it.</p> <p><em>Image: Getty</em></p>

Caring

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JLo and Ben Affleck finally tie the knot 20 years later

<p dir="ltr">Jennifer Lopez and Ben Affleck have (finally) tied the knot!</p> <p dir="ltr">The Hollywood couple have been engaged for three months for a second time and said their vows in an intimate ceremony in Vegas. </p> <p dir="ltr">Affleck first proposed to Lopez, now known as Mrs Jennifer Lynn Affleck, 20 years ago. </p> <p dir="ltr">Mrs Affleck confirmed to her beloved fans the news in her personal newsletter, On The JLo, and shared beautiful stories from the event. </p> <p dir="ltr">“WE DID IT!” she began.</p> <p dir="ltr">“We did it. Love is beautiful. Love is kind. And it turns out love is patient. Twenty years patient.</p> <p dir="ltr">“Exactly what we wanted. Last night we flew to Vegas, stood in line for a license with four other couples, all making the same journey to the wedding capital of the world.”</p> <p dir="ltr">Mrs Affleck said there were different couples around them who were “wanting the same thing” as they waited patiently for their turn. </p> <p dir="ltr">“We barely made it to the little white wedding chapel by midnight. They graciously stayed open late a few minutes, let us take pictures in a pink Cadillac convertible, evidently once used by the king himself (but if we wanted Elvis himself to show, that cost extra and he was in bed),” she joked. </p> <p dir="ltr">“So with the best witnesses you could ever imagine, a dress from an old movie and a jacket from Ben’s closet, we read our own vows in the little chapel and gave one another the rings we’ll wear for the rest of our lives. </p> <p dir="ltr">“They even had Bluetooth for a (short) march down the aisle. But in the end it was the best possible wedding we could have imagined. </p> <p dir="ltr">“One we dreamed of long ago and one made real (in the eyes of the state, Las Vegas, a pink convertible and one another) at very, very long last.</p> <p dir="ltr">“When love is real, the only thing that matters in marriage is one another and the promise we make to love, care, understand, be patient, loving and good to one another. </p> <p dir="ltr">“We had that. And so much more. Best night of our lives. Thank you to the Little White Wedding chapel for letting me use the break room to change while Ben changed in the men’s room.</p> <p dir="ltr">“They were right when they said, ‘all you need is love’. We are so grateful to have that in abundance, a new wonderful family of five amazing children and a life that we have never had more reason to look forward to. </p> <p dir="ltr">“Stick around long enough and maybe you’ll find the best moment of your life in a drive through in Las Vegas at twelve thirty in the morning in the tunnel of love drive through, with your kids and the one you’ll spend forever with. </p> <p dir="ltr">“Love is a great thing, maybe the best of things-and worth waiting for.</p> <p dir="ltr">“With love, Mrs. Jennifer Lynn Affleck.”</p> <p dir="ltr"><em>Images: Supplied</em></p>

Relationships

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Buy now, pay later: Apple will now lend you money to keep you spending and expand its empire

<p>Apple has joined the thriving “buy now, pay later” industry, with a customised service called <a href="https://www.cnbc.com/video/2022/06/06/apple-announces-buy-now-pay-later-program-called-apple-pay-later.html" target="_blank" rel="noopener">Apple Pay Later</a>. The service was announced earlier this week at the 2022 Worldwide Developers Conference, and will initially be launched in the United States later <a href="https://www.macrumors.com/2022/06/07/apple-pay-later-purchases-installment-plan/" target="_blank" rel="noopener">this year</a>.</p> <p>Pay Later will be built into the Apple Wallet and eligible for use on any purchase made through Apple Pay. Customers will be able to split the cost of a purchase into four equal payments, with zero interest and fees, spread over a period of <a href="https://www.theguardian.com/technology/2022/jun/06/apple-redesigns-the-iphone-lock-screen-in-ios-16-at-wwdc" target="_blank" rel="noopener">four months</a>.</p> <p>To qualify, however, Apple will first do a <a href="https://www.zdnet.com/finance/banking/wwdc-2022-buy-now-pay-later-with-apples-new-wallet-feature/" target="_blank" rel="noopener">soft credit check</a> on users wanting to use the service. The technology behemoth <a href="https://www.apple.com/newsroom/2022/06/apple-unveils-new-ways-to-share-and-communicate-in-ios-16/" target="_blank" rel="noopener">claims</a> it has designed the feature with “users’ financial health in mind”.</p> <p>It’s likely Apple is trying to consolidate its foothold in the world of consumer finance, and increase its profitability. And consumers should be aware of the risks of using such a service.</p> <p><strong>Apple: the consumer darling</strong></p> <p>With the launch of Pay Later, Apple will be competing with many other similar fin-tech companies including PayPal, Block, Klarna and AfterPay – some of which saw their share prices <a href="https://www.bloomberg.com/news/articles/2021-07-13/apple-goldman-plan-buy-now-pay-later-service-to-rival-paypal" target="_blank" rel="noopener">fall</a> following Apple’s announcement.</p> <p>Apple will benefit from its huge market and brand power, with the capability to attract millions to its products and services. And with an acute focus on customer experience, Apple has managed to foster a community of evangelists. There’s no doubt the company is a <a href="https://www.forbes.com/sites/christinemoorman/2018/01/12/why-apple-is-still-a-great-marketer-and-what-you-can-learn/?sh=55e3c32c15bd" target="_blank" rel="noopener">consumer darling</a>.</p> <p>Moreover, Apple has established an ever-growing ecosystem in which users are encouraged to tap into Apple products and services as much, and as often, as possible – such as by making payments through their iPhone instead of a bank card.</p> <p>The tech giant provides ways to integrate once-separate computing capabilities into a phone or wristwatch – while keeping the <a href="https://www.forbes.com/sites/christinemoorman/2018/01/12/why-apple-is-still-a-great-marketer-and-what-you-can-learn/?sh=7c61018615bd" target="_blank" rel="noopener">consumer’s experience</a> in focus. Pay Later enhances this customer-centric experience further. It’s one more way users can integrate the tools they need within a single ecosystem.</p> <p><strong>What’s in it for Apple?</strong></p> <p>Apple stands to make financial gains through Pay Later, thereby adding to its bottom line. Currently its reach in the retail world is evident, with iPhone-based payment services <a href="https://www.bloomberg.com/news/articles/2021-07-13/apple-goldman-plan-buy-now-pay-later-service-to-rival-paypal" target="_blank" rel="noopener">accepted by 85% of US retailers</a>.</p> <p>One 2021 survey found that about 26% of <a href="https://www.statista.com/statistics/1275393/australia-share-of-consumers-using-bnpl-by-purchase-category/" target="_blank" rel="noopener">regular online shoppers</a> in Australia used buy now, pay later services.</p> <p>As Apple’s customers increasingly start to use the Pay Later service, it will gain from merchant fees. These are fees which retailers pay Apple in exchange for being able to offer customers Apple Pay. In addition, Apple will also gain valuable insight into consumers’ purchase behaviours, which will allow the company to predict future consumption and spending behaviour.</p> <p>To deliver the buy now, pay later service, Apple has <a href="https://www.bloomberg.com/news/articles/2021-07-13/apple-goldman-plan-buy-now-pay-later-service-to-rival-paypal" target="_blank" rel="noopener">joined forces with Goldman Sachs</a>, who will finance the loans.</p> <p>This relationship has been in place since 2019, with Goldman Sachs also acting as a partner for the Apple credit card (although Pay Later is not tied to the Apple credit card). This strategic partnership has helped Apple gain strong footing in the world of consumer finance.</p> <p><strong>Challenges for consumers</strong></p> <p>The reality is that the world of <a href="https://www.holmanwebb.com.au/blog/655/buy-now-pay-later-bnpl-update-how-to-seek-and-keep-code-compliance-accreditation" target="_blank" rel="noopener">unregulated finance</a>, which includes buy now, pay later, does not bode well <a href="https://ndh.org.au/debt-problems/buy-now-pay-later/risks-of-using-buy-now-pay-later/" target="_blank" rel="noopener">for all customers</a>.</p> <p>Younger <a href="https://www.emarketer.com/content/almost-75-of-bnpl-users-us-gen-z-millennials" target="_blank" rel="noopener">demographics</a> (such as Gen Z and Millenials) and low-income <a href="https://thefintechtimes.com/one-in-four-bnpl-users-are-financially-vulnerable/" target="_blank" rel="noopener">households</a> can be <a href="https://www.cnbc.com/2021/08/07/why-millennials-and-gen-zs-are-jumping-on-the-buy-now-pay-later-trend.html" target="_blank" rel="noopener">more vulnerable</a> to the risks associated with using these services – and can rack up debt as a result.</p> <p>Purchases through buy now, pay later schemes may also be driven by a desire to own the latest <a href="https://www.cnbc.com/2021/12/16/chinas-buy-now-pay-later-market-to-grow-challenges-ahead-experts.html" target="_blank" rel="noopener">gadgets and luxury goods</a> – a message pushed onto consumers through slick marketing. They can condition consumers to make purchases without feeling the pain of parting with cold, hard cash.</p> <figure class="align-center zoomable"><a href="https://images.theconversation.com/files/467674/original/file-20220608-24-ict1mh.jpeg?ixlib=rb-1.1.0&amp;q=45&amp;auto=format&amp;w=1000&amp;fit=clip"><img src="https://images.theconversation.com/files/467674/original/file-20220608-24-ict1mh.jpeg?ixlib=rb-1.1.0&amp;q=45&amp;auto=format&amp;w=754&amp;fit=clip" sizes="(min-width: 1466px) 754px, (max-width: 599px) 100vw, (min-width: 600px) 600px, 237px" srcset="https://images.theconversation.com/files/467674/original/file-20220608-24-ict1mh.jpeg?ixlib=rb-1.1.0&amp;q=45&amp;auto=format&amp;w=600&amp;h=400&amp;fit=crop&amp;dpr=1 600w, https://images.theconversation.com/files/467674/original/file-20220608-24-ict1mh.jpeg?ixlib=rb-1.1.0&amp;q=30&amp;auto=format&amp;w=600&amp;h=400&amp;fit=crop&amp;dpr=2 1200w, https://images.theconversation.com/files/467674/original/file-20220608-24-ict1mh.jpeg?ixlib=rb-1.1.0&amp;q=15&amp;auto=format&amp;w=600&amp;h=400&amp;fit=crop&amp;dpr=3 1800w, https://images.theconversation.com/files/467674/original/file-20220608-24-ict1mh.jpeg?ixlib=rb-1.1.0&amp;q=45&amp;auto=format&amp;w=754&amp;h=503&amp;fit=crop&amp;dpr=1 754w, https://images.theconversation.com/files/467674/original/file-20220608-24-ict1mh.jpeg?ixlib=rb-1.1.0&amp;q=30&amp;auto=format&amp;w=754&amp;h=503&amp;fit=crop&amp;dpr=2 1508w, https://images.theconversation.com/files/467674/original/file-20220608-24-ict1mh.jpeg?ixlib=rb-1.1.0&amp;q=15&amp;auto=format&amp;w=754&amp;h=503&amp;fit=crop&amp;dpr=3 2262w" alt="An indoor shopping arcade is lined with luxury stores on either side" /></a><figcaption><em><span class="caption">Buy now, pay later schemes can give consumers the satisfaction of buying expensive products – without feeling like they’re splitting from cold, hard cash.</span> <span class="attribution"><span class="source">Shutterstock</span></span></em></figcaption></figure> <p>From a consumer psychology perspective, these services encourages immediate gratification and put younger people on the consumption treadmill. In other words, they may continually spend more money on purchases than they can actually afford.</p> <p>Missing payments on Pay Later would negatively impact an individual’s <a href="https://www.zdnet.com/finance/banking/wwdc-2022-buy-now-pay-later-with-apples-new-wallet-feature/" target="_blank" rel="noopener">credit rating</a>, which can then have adverse outcomes such as <a href="https://www.cnbc.com/select/side-effects-of-bad-credit/" target="_blank" rel="noopener">not qualifying</a> for traditional loans or credit cards.</p> <p>A focus on consumerist behaviour can also trigger an “<a href="https://www.psychologytoday.com/au/blog/the-psychology-deciding/202201/if-i-own-it-it-must-be-good-what-is-the-ownership-effect" target="_blank" rel="noopener">ownership effect</a>”. This is when people become attached to their purchases and are unlikely to return them, even if they can’t afford them.</p> <p>Apple’s technology-driven and consumer-centric marketing gives it an edge over other buy now, pay later schemes. It claims the service is designed with consumers’ financial health in mind. But as is the case with any of these services, consumers ought to be aware of the risks and manage them carefully. <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/184550/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><em><a href="https://theconversation.com/profiles/rajat-roy-1227884" target="_blank" rel="noopener">Rajat Roy</a>, Associate Professor, Bond Business School, <a href="https://theconversation.com/institutions/bond-university-863" target="_blank" rel="noopener">Bond University</a></em></p> <p><em>This article is republished from <a href="https://theconversation.com" target="_blank" rel="noopener">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/buy-now-pay-later-apple-will-now-lend-you-money-to-keep-you-spending-and-expand-its-empire-184550" target="_blank" rel="noopener">original article</a>.</em></p> <p><em>Image: Getty Images</em></p>

Technology

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Why you should never give up hope of finding love later in life

<p dir="ltr">A lot of people think they may be either too young or too old for love.</p> <p dir="ltr">Love is love and it happens at the right time, right?</p> <p dir="ltr">Helen Fisher, senior research fellow at the Kinsey Institute in Indiana, as well as a biological anthropologist and self-help author, says that love later on in life should be celebrated. </p> <p dir="ltr">She explains that the brain pathways connected to intense romantic love are exactly the same “whether you are two-and-a-half or 92-and-a-half”, but that one of the great advantages of finding love later in life is that more mature people have a better sense of what they want and need – and how best to ask for it.</p> <p dir="ltr">Using herself as an example, Fisher – who is in her 70s and is organising her first wedding – says there is “beauty” in how she and her partner came to an agreement.</p> <p dir="ltr">The lovers had an agreed living situation in separate homes in New York City and would agree on spending time together. </p> <p dir="ltr">She explained that this agreement had brought them closer together and she would not change it even after saying “I do”.</p> <p dir="ltr">"The beauty of older people is that they can build the kind of partnerships that they want,” she told <a href="https://www.aarp.org/home-family/friends-family/info-2020/later-life-relationships.html" target="_blank" rel="noopener">AARP</a>.</p> <p dir="ltr">“It's not this cookie-cutter thing.”</p> <p dir="ltr">On the other hand, it is expected to be challenging and even difficult bringing someone new into your life. </p> <p dir="ltr">Psychoanalyst Polly Young-Eisendrath explains that the difficulty arises because each person already has their own life.</p> <p dir="ltr">“Be aware that you need to cultivate this relationship freshly,” she says. </p> <p dir="ltr">“Show up with each other's tribe; get to know each other's history and children."</p> <p dir="ltr"><em>Image: Shutterstock</em></p>

Relationships

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British’s woman’s wedding dress saved from dumpster 84 years later

<p dir="ltr">A British woman’s wedding gown <a href="https://www.bbc.com/news/uk-england-devon-60124679" target="_blank" rel="noopener">has been saved</a> from a dumpster in Perth, over 14,000 kilometres away from where she tied the knot 84 years ago</p><p dir="ltr">After Gertrude Bloye married Fred McDonald in Plymouth in 1938, she boxed up her gown in a cardboard box from local department store Dingles.</p><p dir="ltr">As the couple didn’t have any children, their wedding treasures were passed down the family before being sent to a relative in Australia.</p><p dir="ltr">After all those years, it was discovered and rescued from a dumpster by a woman from Perth.</p><p dir="ltr">She then listed the box containing the gown and Gertude’s treasured heirlooms for sale online, for it to be quickly snapped up by Melbourne bride-to-be Claire Ransome.</p><p dir="ltr">Ms Ransome said she was looking for a vintage wedding dress when she came across the box for sale online, finding it contained the gown, flowers, and decorations from Gertrude and Fred’s wedding.</p><p dir="ltr">“It was like a vintage wedding showbag,” Ms Ransome said. “The gloves that her husband wore, dried roses, waxed buds from the wedding cake and then from the very bottom out came this beautiful wedding dress, like liquid silk.”</p><p dir="ltr">She then turned to Josephine Cafagna, a connoisseur of vintage clothes, for help.</p><p dir="ltr">After realising the value of the dress and the collection of treasures, Ms Cafagna decided to share it.</p><p dir="ltr">“What I normally do is restore them and sell them on to people who love vintage, but in this case, while people wanted to buy the wedding dress, I really didn’t want to separate these pieces,” she told the <em><a href="https://www.abc.net.au/news/2022-01-16/melbourne-bride-vintage-wedding-dress-1930s/100736700" target="_blank" rel="noopener">ABC</a></em>.</p><p dir="ltr">“If they’ve been together for nearly a century, who am I to tear them apart and sell them off.</p><p dir="ltr">“It’s of historical value. It needs to go to a museum.”</p><p dir="ltr">So Ms Cafagna reached out to Peter Bottomley, who runs a cafe that also hosts his extensive collection of vintage wedding dresses in Castlemaine, Victoria.</p><p dir="ltr">“This lady preserved it for all those years,” Mr Bottomley said. “Seeing it back out of the dumpster and looking beautiful is a great end to the story.”</p><p><span id="docs-internal-guid-e35dfd92-7fff-a88e-4b4d-aa91a21aeb06"></span></p><p dir="ltr"><em>Image: BBC</em></p>

Caring

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Overhaul of payments system to cover digital wallets, buy now pay later, cryptocurrency

<p>Treasurer Josh Frydenberg will announce on Wednesday a comprehensive reform of regulations governing the payments system, to bring it up to date with innovations such as digital wallets and cryptocurrency.</p> <p>The government says without the changes – the biggest in 25 years – Australians businesses and consumers could increasingly be making transactions in spaces beyond the full reach of Australian law, where rules were determined by foreign governments and multinationals.</p> <p>It points out that in three decades payment methods have gone from cash to cheques, cheques to credit cards, credit cards to debit cards and now to “tap and go” via digital wallets on phones or watches.</p> <p>Around a decade ago, cryptocurrency was a concept. Currently, there are more than 220 million participants in the worldwide crypto market, including many in Australia.</p> <p>The planned reforms will centralise oversight of the payment system by ensuring government plays a greater leadership role. The treasurer will be given more power to intervene in certain circumstances.</p> <p>Consumer protection will be strengthened, and more competition and innovation will be promoted.</p> <p>The reform program will be in two phases. There will be consultations in the first half of next year on those that are most urgent and easy to implement. Consultations on the rest will be done by the end of the year.</p> <p>The government says the present one-size-fits-all licensing framework for payment service providers will be replaced graduated, risk-based regulatory requirements.</p> <p>There will be consideration of the feasibility of a retail central bank digital currency, and an examination of “de-banking” (where a bank declines to offer a service to a business or individual).</p> <p>Frydenberg says the comprehensive payments and crypto asset reform program would “firmly place Australia among a handful of lead countries in the world.</p> <p>"It is how we will capitalise on the opportunity for Australia to lead the world in this emerging and fast-growing area which has almost endless potential applications across the economy,” he says.</p> <p>“For businesses, these reforms will address the ambiguity that can exist about the regulatory and tax treatment of crypto assets and new payment methods.</p> <p>"In doing so, it will drive even more consumer interest, facilitate even more new entrants and enable even more innovation to take place.</p> <p>"For consumers, these changes will establish a regulatory framework to underpin their growing use of crypto assets and clarify the treatment of new payment methods.”<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important; text-shadow: none !important;" src="https://counter.theconversation.com/content/173331/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><span><a href="https://theconversation.com/profiles/michelle-grattan-20316">Michelle Grattan</a>, Professorial Fellow, <em><a href="https://theconversation.com/institutions/university-of-canberra-865">University of Canberra</a></em></span></p> <p>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/overhaul-of-payments-system-to-cover-digital-wallets-buy-now-pay-later-cryptocurrency-173331">original article</a>.</p> <p><em>Image: Shutterstock</em></p>

Retirement Income

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‘Similar to ordering a pizza’: how buy now, pay later apps influence young people’s spending

<p>Young people are often blamed for making <a href="https://www.theaustralian.com.au/life/weekend-australian-magazine/moralisers-we-need-you/news-story/6bdb24f77572be68330bd306c14ee8a3">irresponsible choices</a> with money.</p> <p>But the real issue is not whether they eat too many <a href="https://www.theguardian.com/news/datablog/2016/oct/18/are-millennials-actually-bad-at-saving-or-are-houses-just-unaffordable?CMP=share_btn_fb">expensive cafe breakfasts</a>. Young Australians today face an uncertain job market, rising university fees and astronomical house prices. Unfortunately, <a href="https://theconversation.com/home-ownership-falling-debts-rising-its-looking-grim-for-the-under-40s-81619">debt</a> is also an inevitable part of their lives.</p> <p>This comes amid a huge rise in the number of “buy now, pay later” apps, such as <a href="https://theconversation.com/explainer-how-lending-startups-like-afterpay-make-their-money-86477">AfterPay</a>, and <a href="https://www.news.com.au/finance/money/costs/ripoff-financial-experts-warn-of-the-dangerous-trap-of-payday-loans/news-story/1471cc4a61594cdb9e7a724a76e534d7">payday loan apps</a>, such as <a href="https://www.abc.net.au/news/2020-08-18/payday-lending-consumer-risk-coronavirus-financial-hardship/12549412">Nimble</a>. It is possible to make purchases online with the the tap of a button, even if you don’t have the money in your account or on your credit card. It is also possible the able to borrow money <a href="https://www.abc.net.au/triplej/programs/hack/whats-up-with-payday-loans/7794806">within minutes</a>.</p> <p>To better understand how young people negotiate debt, we interviewed 31 people aged between 18 and 29 in the Newcastle and Hunter Valley area in 2020 and 2021. We asked them how they access credit and their views on different kinds of debt.</p> <h2>Our study</h2> <p>Our participants saw debt as a necessity if they are going to have an acceptable life in the present and plan for the future. As Steph, a 22-year-old university student, said:</p> <blockquote> <p>Large debts like the mortgage, the HECS debt […] things like that I suppose in a sense it’s useful debt. It makes sense and it gets you further by doing it because there’s still an equity in what you’re doing … It follows you not nearly as badly as some other debts.</p> </blockquote> <p>Young people also made distinctions about the way debt feels and how approachable it is. They acknowledged short-term consumer debts may not be “good”, but felt they were also part of being able to buy the things and have the experiences associated with being young.</p> <p>Those we interviewed talked about AfterPay (where you pay off the debt in four installments) as an everyday part of life. As Alexa, a 23-year-old university student, told us:</p> <blockquote> <p>AfterPay is for just those little wants that I don’t want to pay for up front.</p> </blockquote> <p>They also described it as a low-risk and almost friendly way to buy things. This was particularly when compared to a bank. Alice, a 21-year-old sales assistant, put it this way:</p> <blockquote> <p>AfterPay is like, ‘Oh, just pay this off in four quick things and you can have your item. We’ll send it out.’ But then banks are like, ‘If you don’t pay this back, you’re going to get so much interest and it’s going to suck, and you’ll have the sheriffs roll up at your house and you’re going to be sad.’</p> </blockquote> <h2>Like ordering a pizza</h2> <p>Interviewees attributed some of this friendliness to the process of accessing the money or goods. Mia, a 21-year-old paralegal, described applying for a small loan on the Nimble app:</p> <blockquote> <p>When you apply for the money […] you can track at any point on it. The Nimble app is so similar to ordering a Domino’s pizza […] Whereas a credit card through a banking app, it’s nothing like that […] They send me letters and even opening the mail terrifies me, nothing good comes via snail mail ever.</p> </blockquote> <p>The online, easy nature of these loan services closely relates to how young people engage with information more generally in their lives. In this sense, there is a familiarity and comfort to the way they work.</p> <p>As Mia continues:</p> <blockquote> <p>[It’s] positive, it’s not daunting, it’s informative, it’s instantaneous. The second the money comes out, I get a thank you email and a notification on the app. It’s like, ‘you have this many payments left, this is how much you’ve paid, this is how much you have left to pay, you will still be paid in full by this date’. I don’t have any of that with my credit card.</p> </blockquote> <h2>Familiar tactics</h2> <p>Inteviewees also spoke of how services like AfterPay and short-term loan apps used similar tactics to social media platforms to encourage increased engagement and make the experience feel informal and even social.</p> <p><img src="https://images.theconversation.com/files/429684/original/file-20211102-10001-letons.jpg?ixlib=rb-1.1.0&amp;q=45&amp;auto=format&amp;w=754&amp;fit=clip" alt="Young people using their phones and laptops." /> <span class="caption">Applying for a loan via an app does not involve ‘scary’ paperwork, according to interviewees.</span> <span class="attribution"><span class="source">www.shutterstock.com</span></span></p> <p>These include “on this day” reminders (such as, “this time last year, you bought this pair of shoes”) and waiting time indicators. There are also <a href="https://theconversation.com/gamification-status-you-score-ten-points-for-reading-this-article-5068">game elements</a>, including “rewards” for early repayments.</p> <p>Interviewees were aware this was manipulative. Lilian (26) works at a chain clothing store and was “rewarded ” for paying off a purchase early.</p> <blockquote> <p>I got this thing the other day saying that my first payment [on a new purchase] is actually going to come out [later] now. Of course, I’ve been rewarded for paying everything off early [before] […] Yeah it’s like it’s delaying it, it’s not an issue now, but it’s going to be an issue in two weeks’ time.</p> </blockquote> <h2>What next?</h2> <p>Our interviewees may see debt as a necessity, but they are also aware they have (some) choices within this. So they prefer to go with providers or platforms that feel less threatening, especially as using “buy now, pay later” services sometimes does not feel like being in debt.</p> <p><img src="https://images.theconversation.com/files/429686/original/file-20211102-25-9gi5ho.jpg?ixlib=rb-1.1.0&amp;q=45&amp;auto=format&amp;w=754&amp;fit=clip" alt="Young man on his phone with a coffee." /> <span class="caption">Young people see debt as an inevitable part of life, according to new research.</span> <span class="attribution"><span class="source">www.shutterstock.com</span></span></p> <p>There is a need for <a href="https://www.smh.com.au/national/calls-for-tighter-regulation-as-buy-now-pay-later-costs-mount-20210610-p57zuc.html">greater regulation</a> of the ways these products are promoted. It should always be made clear that this is a form of debt, not just a way to pay.</p> <p>Beyond, this, instead of “<a href="https://www.theguardian.com/news/datablog/2016/oct/18/are-millennials-actually-bad-at-saving-or-are-houses-just-unaffordable?CMP=share_btn_fb">blaming</a>” young people for their spending habits, we need a better understanding of the economy and society they are living and working in. And how debt it is all but inevitable for people on low wages, with poor job security and insecure housing.</p> <p><span><a href="https://theconversation.com/profiles/steven-threadgold-167968">Steven Threadgold</a>, Associate Professor, Sociology, <em><a href="https://theconversation.com/institutions/university-of-newcastle-1060">University of Newcastle</a></em>; <a href="https://theconversation.com/profiles/david-farrugia-243862">David Farrugia</a>, Senior Lecturer, School of Humanities and Social Science, <em><a href="https://theconversation.com/institutions/university-of-newcastle-1060">University of Newcastle</a></em>; <a href="https://theconversation.com/profiles/julia-coffey-129629">Julia Coffey</a>, Senior Lecturer in Sociology, <em><a href="https://theconversation.com/institutions/university-of-newcastle-1060">University of Newcastle</a></em>; <a href="https://theconversation.com/profiles/julia-cook-869068">Julia Cook</a>, Lecturer in Sociology, <em><a href="https://theconversation.com/institutions/university-of-newcastle-1060">University of Newcastle</a></em>; <a href="https://theconversation.com/profiles/kate-davies-290466">Kate Davies</a>, Human Services Lecturer, <em><a href="https://theconversation.com/institutions/university-of-newcastle-1060">University of Newcastle</a></em>, and <a href="https://theconversation.com/profiles/kate-senior-1284499">Kate Senior</a>, Associate Professor, <em><a href="https://theconversation.com/institutions/university-of-newcastle-1060">University of Newcastle</a></em></span></p> <p>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/similar-to-ordering-a-pizza-how-buy-now-pay-later-apps-influence-young-peoples-spending-170024">original article</a>.</p> <p><em>Image: Shutterstock</em></p>

Money & Banking

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Babysitter charged with murder of baby 35 years later

<p>In 1985, Terry McKirchy was given a light sentence of attempted murder for shaking five-month-old Benjamin Dowling so severely, he suffered permanent brain damage.</p> <p>But the baby never recovered from his injuries and lived his entire life with severe disabilities. He was never able to communicate, needed metal rods inserted near his spine to keep him upright and used a feeding tube to eat.</p> <p>In 2019, a medical examiner from Florida said Dowling finally succumbed to his injuries and died, aged 35.</p> <p>At the time of the incident, McKirchy, 59, told his parents Dowling had fallen off the couch, according to Fox News. The baby was rushed to hospital and diagnosed with shaken infant syndrome.</p> <p>When his mother, Rae, saw him on the night he suffered his injuries, she told police her boy's hands "were clenched and he was turning blue," according to the South Florida Sun-Sentinel.</p> <p>Ms Dowling and her husband, Joe, said their first son never progressed past a five-month-old after suffering his injuries and continued to depend on his family and others for support all his life.</p> <p>The couple said in a statement: “Benjamin never crawled, fully rolled over, walked, never talked, never fed himself, he never enjoyed a hamburger or an ice cream cone, he could never tell us when he had an itch or anything hurt."</p> <p>“When he cried in pain, we as a family and caregivers had to guess as to what was wrong and hope that we could satisfy his need,” they added.</p> <p>The babysitter spent weekends in jail as part of her sentence but a Broward County Grand jury recently indicted McKirchy as guilty of first-degree murder and she is now jailed near her home in Sugar Land, Texas, pending her return to Florida.</p> <p>Confusion as to why McKirchy wasn't charged with a harsher sentence at the time centres around the fact she was pregnant at the time. David Weinstein, a Miami defence lawyer and former prosecutor who's not involved in the case, said perhaps witnesses were not available or the available medical evidence was not strong.</p> <p>Now the homicide case appears stronger because the medical and scientific evidence has progressed. As prosecutors said in a statement: “The passage of time between the injuries sustained and the death of the victim were considered by the forensic experts who conducted the autopsy and ruled the death was directly caused by the injuries from 1984."</p> <p>“This case was presented to the grand jury, which determined that this was a homicide.”</p> <p>Mr Dowling’s parents said their son “would never know how much he was loved and could never tell others of his love for them.”</p> <p>“Benjamin did smile when he was around his family, although he could never verbalise anything, we believe he knew who we were and that we were working hard to help him,” they said.</p> <p><em><strong>Image credit: AAP</strong></em></p>

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The link between mental health problems and later physical health

<p>Across the world, <a href="https://www.who.int/news-room/fact-sheets/detail/ageing-and-health">populations are aging</a>. Increases in life expectancy over the last century, combined with declining birth rates mean that the proportion of older people is on the rise in many countries. <a href="https://www.who.int/news-room/fact-sheets/detail/ageing-and-health">Projections</a> suggest that by 2050, one in five people worldwide will be over 60 years old (up from one in eight in 2015).</p> <p>An aging population brings multiple challenges. As people age, chronic diseases such as diabetes, heart disease, stroke and cancer become more common. These diseases shorten people’s “healthspan” (the period of life spent in good health), take a toll on families, and drain healthcare resources. Policymakers and healthcare professionals are faced with an urgent question: how can we reduce the burden of physical disease in older people?</p> <h2>Early-life mental-health problems and subsequent physical health</h2> <p>New research from our team of researchers based at Duke University and the University of Michigan suggests a possible answer: by treating mental-health problems in younger people. Together with collaborators at the Universities of Auckland and Otago, our team recently conducted two studies to investigate how people’s mental-health problems earlier in life may impact their physical health as they age.</p> <p>Linking together mental- and physical-health problems may seem surprising. The separation between the two is perpetuated by our healthcare system, which tends to divide treatment between the brain and the body. However, <a href="https://www.sciencedirect.com/science/article/pii/S0140673607612380">previous research</a> has shown that our mental health can shape our physical well-being, and vice versa.</p> <p>We built on this work to address two questions:</p> <ul> <li> <p>The potential link between experiencing a mental-health problem and subsequent chronic age-related physical disease and earlier death.</p> </li> <li> <p>Whether experiencing a mental-health problem could be linked with faster aging even before people develop chronic age-related diseases.</p> </li> </ul> <p>To test the first question, we conducted a nationwide hospital-register <a href="https://jamanetwork.com/journals/jamanetworkopen/fullarticle/2774902">study</a> of 2.3 million New Zealanders aged 10 to 60 years at baseline. We followed them across three decades (from 1988 to 2018) to test whether individuals with mental-health problems were at increased risk for subsequent chronic physical diseases and earlier mortality.</p> <p>We collected information about hospital admissions for different mental disorders – substance use disorders, psychotic disorders, mood disorders, and anxiety disorders – as well as self-harm. We also collected information about hospital admissions for different chronic physical diseases, ranging from coronary heart disease to cancer.</p> <h2>Greater disease burden and earlier mortality</h2> <p>We found that across the 30-year period, people with mental disorders were more likely to develop subsequent physical diseases and they also died earlier than people without mental disorders. They also experienced more medical hospitalisations, spent more time in hospitals for physical-disease treatment, and accumulated more associated health care costs. These associations were present across all age groups and in both men and women.</p> <p>The longitudinal association between mental disorders and physical diseases was evident across different mental disorders and different physical diseases. And importantly, the association held even after controlling for physical diseases that predated individuals’ mental disorders. Thus, we were able to rule out the possibility of reverse causation, in which having a physical illness precipitates mental-health problems.</p> <p>We <a href="https://jamanetwork.com/journals/jamapsychiatry/fullarticle/2776612">next</a> tested whether mental-health problems would also be linked with faster aging in people who had not yet developed chronic disease.</p> <p><img src="https://images.theconversation.com/files/400034/original/file-20210511-21-1vmq9sb.jpg?ixlib=rb-1.1.0&amp;q=45&amp;auto=format&amp;w=754&amp;fit=clip" alt="" /> <span class="caption">Not all persons age at the same rate. Research shows that those who experienced mental-health issues while young can age faster and have more health issues in later life.</span> <span class="attribution"><a href="https://unsplash.com/photos/dRu3zxFb6uE" class="source">Cristina Seri/Unsplash</a></span></p> <p>What does faster aging mean? We tend to think of age in years: a 51-year-old person is older than a 50-year old. Viewed in this way, all of us age at the same pace: one year per chronological year. However, at the biological level, the pace at which people’s bodies age can vary considerably, <a href="https://www.pnas.org/content/112/30/E4104.short">even among people born in the same year</a>. Some people’s bodies age faster than others’. A faster pace of aging has been <a href="https://elifesciences.org/articles/54870">linked</a> to greater risk of disease and death.</p> <h2>Mental-health problems and aging</h2> <p>This led us to wonder: do people with mental-health problems age faster, thereby putting them at risk for developing chronic physical diseases? To test this idea, we studied 1,037 individuals born in 1972-73 in the city of Dunedin, New Zealand. Study members have been followed up regularly until age 45 years. While age 45 might seem young, previous work suggests that differences in people’s biological aging are already evident at this age.</p> <p>To measure mental-health problems, study members were interviewed every few years. We assessed a variety of problems, such as anxiety, depression, substance abuse, and schizophrenia.</p> <p>We found that at age 45, people who had experienced more mental-health problems were aging faster. We measured the pace of biological aging by combining 19 biomarkers, such as cholesterol, blood pressure, and inflammation. People who experienced the most mental-health problems were aging approximately 5.3 years faster between ages 26 and 45, compared to participants with the fewest problems.</p> <p>We also found differences in other signs of aging. At age 45, study members who had experienced more mental-health problems performed worse on tests of hearing, vision, balance and cognition, and on tests that gerontologists typically give to older adults, such as walking speed. They also reported greater difficulty in their everyday lives in these domains (for example, finding it difficult to follow conversations, or finding the words they want to use).</p> <p>Furthermore, when we asked an independent panel to rate photographs of each study member’s face, study members who had experienced more mental-health problems were rated as looking older compared to their same-aged peers.</p> <p>This pattern of findings remained when we took into account a number of factors that can lead to mental-health problems or faster aging, such as study members’ physical health as children, childhood maltreatment and socioeconomic status, overweight, smoking, medications, and prior physical disease. The pattern of findings was also very similar across different types of mental-health problems.</p> <p>Taken together, the findings of our two studies reveal that people with mental-health problems are at outsized risk of chronic diseases and early death, and that they show signs of faster aging even before diseases first emerge. There are two implications.</p> <p>First, preventing mental-health problems in young people has the potential to reduce age-related disease later in life. Mental-health problems tend to develop relatively early in life, often by adolescence or early adulthood, years before the typical onset of physical diseases. More investment in prompt mental-health care for the young might reduce subsequent physical diseases and associated healthcare costs.</p> <p>Second, individuals with mental-health problems are a high-priority group to monitor for signs of faster aging – such as hearing impairment, motor problems, and cognitive decline – as well as chronic diseases. Such monitoring will require greater integration of mental- and physical-health services, to reduce health inequalities and lengthen healthy lives.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important; text-shadow: none !important;" src="https://counter.theconversation.com/content/156796/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><span><a href="https://theconversation.com/profiles/jasmin-wertz-1213707">Jasmin Wertz</a>, Postdoctoral fellow, <em><a href="https://theconversation.com/institutions/duke-university-1286">Duke University</a></em> and <a href="https://theconversation.com/profiles/leah-richmond-rakerd-1218049">Leah Richmond-Rakerd</a>, Assistant Professor of Psychology, <em><a href="https://theconversation.com/institutions/university-of-michigan-1290">University of Michigan</a></em></span></p> <p>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/the-link-between-mental-health-problems-and-later-physical-health-156796">original article</a>.</p>

Mind

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