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Young couple sold almost everything to live on a cruise ship

<p>Two savvy US school teachers Monica Brzoska, 32, and Jorrell Conley, 36, have sold almost all of their possessions to live at sea.</p> <p>The couple fell in love with cruising after travelling to Mexico, Belize and Grand Cayman almost a decade ago.</p> <p>In 2023, after Monica's father fell ill, she was inspired to live the life she had always wanted. </p> <p>"Don’t wait for retirement to follow your dreams. Do it now," her mother had told her. </p> <p>That's when she and her husband made the life-changing decision. </p> <p>“Instead of coming back, why not keep booking consecutive cruises for as long as we could afford to?” Monica told <em>The Sun</em>. </p> <p>“It sounds mad, but the numbers made sense. Accommodation, food and entertainment would be included – we’d only need spending money.</p> <p>“And because we’d been on so many Carnival cruises, we’d earned access to some amazing offers.</p> <p>“If we chose the cheapest cabins, our savings from the pandemic would allow us to book eight months of cruising for $16,000 – some trips paid for in full, others with deposits.</p> <p>“We could then use the rent from our three-bedroom house in Memphis to make extra payments as needed. Many cruises start and end in the same ports, so we knew we’d be able to disembark and easily board our next ship, or otherwise fly to the port.”</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-captioned="" data-instgrm-permalink="https://www.instagram.com/p/DEQkivEJ0DS/?utm_source=ig_embed&amp;utm_campaign=loading" data-instgrm-version="14"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"> </div> </div> </div> <div style="padding: 19% 0;"> </div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"> </div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <div style="padding: 12.5% 0;"> </div> <div style="display: flex; flex-direction: row; margin-bottom: 14px; align-items: center;"> <div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(0px) translateY(7px);"> </div> <div style="background-color: #f4f4f4; height: 12.5px; transform: rotate(-45deg) translateX(3px) translateY(1px); width: 12.5px; flex-grow: 0; margin-right: 14px; margin-left: 2px;"> </div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(9px) translateY(-18px);"> </div> </div> <div style="margin-left: 8px;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 20px; width: 20px;"> </div> <div style="width: 0; height: 0; border-top: 2px solid transparent; border-left: 6px solid #f4f4f4; border-bottom: 2px solid transparent; transform: translateX(16px) translateY(-4px) rotate(30deg);"> </div> </div> <div style="margin-left: auto;"> <div style="width: 0px; border-top: 8px solid #F4F4F4; border-right: 8px solid transparent; transform: translateY(16px);"> </div> <div style="background-color: #f4f4f4; flex-grow: 0; height: 12px; width: 16px; transform: translateY(-4px);"> </div> <div style="width: 0; height: 0; border-top: 8px solid #F4F4F4; border-left: 8px solid transparent; transform: translateY(-4px) translateX(8px);"> </div> </div> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center; margin-bottom: 24px;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 224px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 144px;"> </div> </div> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;"><a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none;" href="https://www.instagram.com/p/DEQkivEJ0DS/?utm_source=ig_embed&amp;utm_campaign=loading" target="_blank" rel="noopener">A post shared by Monica Brzoska (@life_by_any_means)</a></p> </div> </blockquote> <p>The pair quit their jobs, sold most of their possessions and rented out their three-bedroom home in Memphis, and have been cruising for almost two years now. </p> <p>Since making the move, the couple have completed 36 consecutive cruises and visited almost 50 countries.</p> <p>“I instantly felt free,” she said. </p> <p>“People are amazed when they hear we live on ships, and I’m always happy to share the tricks we’ve learned to save money. We’ve won excursion tickets, jewellery and spa treatments in onboard raffles, while on land, we do our own tours, using local transport to explore," she said. </p> <p>However, she admitted that there are a few challenges, including missing family, but regardless "it really is a dream come true". </p> <p><em>Image: Instagram</em></p> <p> </p>

Retirement Life

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Kiwi tourist banned for life after diving into Trevi Fountain

<p>Three tourists from New Zealand have landed themselves in trouble after they were caught wading into the famous Trevi Fountain in central Rome. </p> <p>As they were being escorted away from the popular tourist attraction, one of them, a 30-year-old man wrestled free from the police and jumped into the fountain as authorities chased him, according to a spokesperson for Rome's Capitol Police.</p> <p>He managed to bypass the controlled area by climbing over the marble sculptures lining the fountain basin. </p> <p>"Alcohol was definitely involved," the spokesperson told <em>CNN</em>. </p> <p>The man was fined 500 euros ($832 AUD) and banned from visiting the iconic landmark for life. </p> <p>Each year, about a dozen tourists are fined for dipping things into the fountain, whether it is their toes or a water bottle, according to Roman police. </p> <p>Taking a dip in the fountain has been an aspiration for many tourists, who may have been inspired by Federico Fellini's 1960 film <em>La Dolce Vita</em>, where the main actress waded into the fountain in an evening gown. </p> <p>Other ill<span style="font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen, Ubuntu, Cantarell, 'Open Sans', 'Helvetica Neue', sans-serif;">-behaved tourists have tried stealing some of </span> the 1.5 million euros worth of coins that are thrown into the water each year. The money, is collected daily and donated to a charity. </p> <p>In 2024, the city introduced a limit to the number of visitors allowed to be in front of the fountain, to 400 at a time, with the access area open from 9 am to 9 pm daily. </p> <p><em>Image: </em><em>vvoe / Shutterstock.com</em></p>

Travel Trouble

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Centenarian shares the secrets to a long life

<p>A centenarian has share the few simple things she credits for her long life, just days after celebrating her 100th birthday. </p> <p>Sydney woman Betty Woodhams spent her milestone birthday doing one of her favourite things: buying for new plants from Bunnings. </p> <p>Woodhams was treated to a warm reception from staff as she perused the aisles snapping up new flowers for her small balcony garden. </p> <p>The mother-of-two told <a href="https://www.dailymail.co.uk/femail/article-14414941/I-just-turned-100-life-lessons-want-young-person-know-late-beauty-secret-Ive-sworn-years.html" target="_blank" rel="noopener"><em>Daily Mail Australia</em></a> that she credits her age and enduring happiness down to great friends, a balanced diet, no regrets and "always wearing a hat".</p> <p>"Try to stay happy, even when things may seem like they are getting the better of you," Betty told the publication.</p> <p>"There really is something good in everything. Relaxing with a glass of wine at dinner or enjoying the odd champagne or two with friends always helps too."</p> <p>Betty grew up in Parramatta before moving to Bondi when she married her late husband Ron in 1951.</p> <p>The couple then built their dream house in Tambourine Bay, Lane Cove, while Betty immersed herself in her career as a secretary in the TV and publishing industry.</p> <p>Betty always surrounds herself with good friends, stays socially active and never sweats the small stuff, as she said, "don't get stuck on the negative things".</p> <p>"It doesn't matter what your age is, there's always something you can do to stay active whether it's walking, gardening, swimming or even a day at the races," she says. </p> <p>"Age is just a number. We do all age but you choose to get old!"</p> <p>Betty also hopes to change the perception of "getting older" and insists there's nothing "boring" about it, as she said, "People assume that life gets boring and quiet. It will if you let it!"</p> <p>"Yes you do slow down but that doesn't mean you stop. You can still get out and enjoy yourself... just at a slower pace!"</p> <p><em>Image credits: Daily Mail Australia </em></p>

Caring

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Summer holidays haven’t changed much since ancient Greece and Rome (except maybe the sand wrestling)

<p><em><a href="https://theconversation.com/profiles/konstantine-panegyres-1528527">Konstantine Panegyres</a>, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722"><em>The University of Melbourne</em></a></em></p> <p>Imagine a summer holiday at a seaside resort, with days spent sunbathing, reading books, exploring nature and chatting with friends.</p> <p>Sounds like it could be anywhere in Australia or New Zealand in January, doesn’t it?</p> <p>This is also how the Roman emperor <a href="https://oxfordre.com/classics/display/10.1093/acrefore/9780199381135.001.0001/acrefore-9780199381135-e-3508?product=orecla">Julian</a> spent his summers in the 4th century CE. Towards the end of 357 CE, Julian wrote a <a href="https://www.loebclassics.com/view/emperor_julian-letters/1923/pb_LCL157.79.xml?rskey=Sa5rUn&amp;result=1&amp;mainRsKey=pqeNrD">letter</a> to his friend Evagrius, telling him how he spent his holidays at his grandmother’s estate as a boy and young man:</p> <blockquote> <p>Very peaceful it is to lie down there and glance into some book, and then, while resting one’s eyes, it is very agreeable to gaze at the ships and the sea.</p> <p>When I was still hardly more than a boy I thought that this was the most delightful summer residence, for it has, moreover, excellent springs and a charming bath and garden and trees.</p> </blockquote> <p>As Julian got older, though, he had less time for summer holidays. Work consumed him. Even when he was on a break, he couldn’t fully relax.</p> <p>This might sound familiar, too. It seems very little has changed from the days of the ancient Greek and Roman empires when it comes to finding time to unwind – and being on holidays, too.</p> <h2>Finding time for a break</h2> <p>Taking time off was important in ancient Greek and Roman times. Even <a href="https://www.tandfonline.com/doi/pdf/10.1080/00397677908590731">Greek and Roman slaves</a> were permitted to take a few holidays each year.</p> <p>Not everyone could enjoy their holidays, however.</p> <p>In 162 CE, <a href="https://oxfordre.com/classics/display/10.1093/acrefore/9780199381135.001.0001/acrefore-9780199381135-e-984">Marcus Aurelius</a>, then emperor of Rome, took four days of holiday at a resort in Alsium, a city on the coast of modern-day Italy.</p> <p>According to his friend <a href="https://oxfordre.com/classics/display/10.1093/acrefore/9780199381135.001.0001/acrefore-9780199381135-e-1846">Marcus Cornelius Fronto</a> (c. 95-166 CE), though, the emperor could not stop working. In a letter, Fronto <a href="https://www.loebclassics.com/view/marcus_cornelius_fronto-correspondence/1919/pb_LCL113.5.xml?mainRsKey=Q5rXrd&amp;result=1&amp;rskey=fAbCGr">criticises</a> Marcus for continuing to work hard rather than sleeping in, exploring the seaside, rowing on the ocean, bathing and feasting on seafood.</p> <p>Fronto amusingly says that Marcus, rather than enjoy his holiday, has instead “declared war on play, relaxation, good living, and pleasure”.</p> <h2>Going to the seaside</h2> <p>Relaxing by the coast was one of the things people in ancient Greece and Rome most enjoyed doing in the summer.</p> <p>The rich built summer residences on the coast, while people of all walks of life flocked to seaside resorts to enjoy the fresh air and cool water.</p> <p>The orator <a href="https://oxfordre.com/classics/display/10.1093/acrefore/9780199381135.001.0001/acrefore-9780199381135-e-3675">Libanius</a> (314-393 CE) <a href="https://www.loebclassics.com/view/libanius-oration_45_emperor_prisoners/1977/pb_LCL452.165.xml?rskey=EVUxsK&amp;result=1&amp;mainRsKey=ISthry">wrote</a> that the people who really enjoy life the most are those who have the freedom to “drive to their estates, visit other towns, buy land, and visit the seaside”.</p> <p>Health tourism was also a popular reason why people came to the seaside. Many ancient doctors recommended sea water and air as cures for all kinds of health problems, especially those related to the skin and respiratory system.</p> <p>For example, the doctor <a href="https://oxfordre.com/classics/display/10.1093/acrefore/9780199381135.001.0001/acrefore-9780199381135-e-705">Aretaeus of Cappadocia</a> (c. 150-200 CE) <a href="https://books.google.com.au/books?id=v4gIAAAAIAAJ&amp;pg=PA463&amp;dq=Aretaeus+sea+water&amp;hl=en&amp;newbks=1&amp;newbks_redir=0&amp;sa=X&amp;ved=2ahUKEwjh-f6OiuCJAxW4dPUHHXQQH5oQ6AF6BAgEEAI#v=onepage&amp;q=Aretaeus%20sea%20water&amp;f=false">recommended</a> bathing in sea water, wrestling on sand and living by the sea as therapies for those who get frequent headaches.</p> <h2>Travelling abroad</h2> <p>Visiting foreign places was another of the things people in ancient Greece and Rome most enjoyed doing on their summer holidays.</p> <p>For the Romans, trips to see Greece – and in particular Athens – were especially popular.</p> <p>The Roman general <a href="https://oxfordre.com/classics/display/10.1093/acrefore/9780199381135.001.0001/acrefore-9780199381135-e-3396?rskey=xWdUMg&amp;result=1">Germanicus</a> (15 BCE–19 CE) went on a tour of Greece in 18 CE, travelling from Athens eastward to Euboea, Lesbos, the coast of Asia Minor and then to Byzantium and Pontus.</p> <p>According to the Roman historian <a href="https://oxfordre.com/classics/display/10.1093/acrefore/9780199381135.001.0001/acrefore-9780199381135-e-6205">Tacitus</a>, Germanicus was motivated by a desire to see famous ancient sites. Like many Romans, he was fascinated by the old stories of the Greek past, so <a href="https://www.loebclassics.com/view/tacitus-annals/1931/pb_LCL249.469.xml">he was</a> “eager to make the acquaintance of those ancient and storied regions”.</p> <p>Another popular destination for ancient Greeks and Romans was Egypt, which had always been regarded as a land of wonder.</p> <p>Roman tourists could catch regular boats from <a href="https://www.romanports.org/en/the-ports/88-puteoli.html">Puteoli</a> to the great Egyptian city <a href="https://www.britannica.com/place/Alexandria-Egypt">Alexandria</a>. The trip took anywhere from one to two weeks, stopping along the way in Sicily and Malta.</p> <p>Once there, the highlights were typically the great Nile River and Pyramids. Tourists marvelled at the immense temples and walls of hieroglyphic writing.</p> <p>When Germanicus visited Egypt in 19 CE, he was so curious about the meaning of the hieroglyphics that he <a href="https://www.loebclassics.com/view/LCL249/1931/volume.xml">asked</a> an old Egyptian priest to translate some for him.</p> <p>In Alexandria, another attraction was the tomb of <a href="https://www.oxfordreference.com/display/10.1093/oi/authority.20110803095401572">Alexander the Great</a> (356-323 BCE). His body was stored in honey in a coffin made of glass. Ordinary tourists were not allowed to visit it, but VIPs like Roman emperors were.</p> <p>Tourists might also have enjoyed the different vibe in Alexandria. According to the Greek orator <a href="https://www.britannica.com/biography/Dio-Chrysostom">Dio of Prusa</a> (c. 40-110/120 CE), the atmosphere in the coastal city was relaxed, with plenty of music, chariot racing and good food.</p> <h2>Lazy summer days</h2> <p>We can probably all relate to what the writer <a href="https://oxfordre.com/classics/display/10.1093/acrefore/9780199381135.001.0001/acrefore-9780199381135-e-5134">Pliny the Younger</a> (61/62-112 BCE) said about his summer break.</p> <p>Writing on a holiday in Tuscany, he <a href="https://www.loebclassics.com/view/pliny_younger-letters/1969/pb_LCL059.95.xml?rskey=Mdlmkl&amp;result=1">said</a> he can only work “in the lazy way to be expected during a summer holiday”. Working any other way was simply not possible. Many of us will be able to relate to that!<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/243367/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><a href="https://theconversation.com/profiles/konstantine-panegyres-1528527"><em>Konstantine Panegyres</em></a><em>, McKenzie Postdoctoral Fellow, researching Greco-Roman antiquity, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</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/summer-holidays-havent-changed-much-since-ancient-greece-and-rome-except-maybe-the-sand-wrestling-243367">original article</a>.</em></p>

International Travel

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Disney to change content warnings shown before "problematic" classics

<p>Disney will tone down the language of the content warnings on its streaming service that accompany classic movies with racial stereotypes. </p> <p>The current disclaimers played before older titles like <em>Dumbo</em> and <em>Peter Pan</em> said the film “includes negative depictions and/or mistreatment of peoples or cultures” adding, “these stereotypes were wrong then and are wrong now.”</p> <p>The new disclaimers will state: “This program is presented as originally created and may contain stereotypes or negative depictions,” and will not appear as introductory text that plays before the beginning of a film. </p> <p>The disclaimers will also only appear in the details section of certain films, where viewers will have to navigate to find it, decreasing their visibility. </p> <p>Disney will also replace its “Diversity &amp; Inclusion” performance factor used to evaluate executive pay with a new “Talent Strategy”, according to Sonia Coleman, Disney’s senior executive vice president and chief human resources officer. </p> <p>Other rollbacks of its diversity, equity and inclusion measures include the closure of its  Reimagine Tomorrow initiative, a website that highlighted stories and talent from underrepresented communities. </p> <p>Disney first added content warnings to older movies like <em>Dumbo </em>and Peter Pan in November 2019, due to racist depictions included in some of the films created by the studio in the 40s and 50s. </p> <p>Disney has become the latest major organisation to roll back its diversity measures following Donald Trump’s re-election as US President.</p> <p><em>Image: spatuletail / Shutterstock.com</em></p> <p> </p>

Movies

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Deborra-Lee Furness shares life update after divorce

<p>Deborra-Lee Furness has broken her silence for the first time since photos emerged of Hugh Jackman's new <a href="https://oversixty.com.au/lifestyle/relationships/deborra-lee-furness-reacts-to-hugh-jackman-s-new-relationship" target="_blank" rel="noopener">relationship</a> with his co-star Sutton Foster. </p> <p>Furness revealed that she feels as though she is now in “chapter three” of her life following her shock split from Jackman in 2023. </p> <p>Speaking about focusing on her career over her love life, she told the <em>Herald Sun</em>, “I’ve had a few offers for films back here so I’m still reading some scripts so if there’s something that’s great.”</p> <p>She went on to share that she’ll be taking more time for herself now she’s single and able to focus on herself first. </p> <p>“I’ve got some projects in New York. I’m in my chapter three. I’m a creative, I love being creative in a variety of areas and I think I’ll be doing more travelling.”</p> <p>This is the first time she has spoken publicly since her ex-husband debuted his new relationship, although a source allegedly close to Furness said she felt "a sense of relief" when Jackman and Foster's relationship was announced. </p> <p>The source told the <em>Daily Mail</em>, “She has been plagued with suspicions. She was told it wasn’t true, and that they were nothing more than close friends who worked together. But something in her heart told her that this was not true."</p> <p>“She trusted her intuition and her intuition was right. She finally feels at ease after getting confirmation that her fears and suspicions were warranted. She can now fully close this chapter and move on.”</p> <p>Jackman and Furness announced their separation after 27 years of marriage in September 2023.</p> <p>The former couple have two adult children, Oscar, 24, and Ava, 19.</p> <p><em>Image credits: Matt Baron/Shutterstock Editorial </em></p>

Relationships

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Readers response: What are your biggest regrets from your 20s?

<p>We asked our reader what they regret from their 20s, and the response was overwhelming. Here's what they said. </p> <p><strong>Lynne Fairbrother</strong> - No regrets, my 20's was great.</p> <p><strong>Graham Turnor</strong> - Listening to politicians!</p> <p><strong>Helen Dickenson</strong> - Travelling! As now travelling in my 70s is more difficult.</p> <p><strong>Maureen James Barlow</strong> - Not having the knowledge I have in my 70’s. Boy would I have done things differently.</p> <p><strong>Debra Walker</strong> - So many things. First was getting married! And not follow my dreams of travelling. If only you could turn back time.</p> <p><strong>Kathryn Bagust</strong> - Not speaking up for myself!</p> <p><strong>Karen Ambrose</strong> - Not being adventurous enough.</p> <p><strong>Ann Nicholls</strong> - Biggest regret is having no children, which has broken my heart. Also marrying the wrong man in my 20’s and stupidly staying with him until I had the courage to walk away and not look back at age 39.</p> <p><strong>Colleen Burgess</strong> - Spending every pay check! Should've saved!</p> <p><strong>Caroline Wilson</strong> - Never should have got married, should have just waited it out.</p> <p><strong>Dianne Roberts</strong> - Taking too much notice of what other people think I should be doing.</p> <p><strong>Denise Farrugia</strong> - Didn't travel enough. </p> <p><strong>Maureen Byrne</strong> - Not taking a job as a travel agent when offered to me with all the free travel back then.</p> <p><strong>Cat Duffy</strong> - Getting married. </p> <p><strong>Di Telf</strong> - Not going to Uni earlier.</p> <p><strong>Linda Craig</strong> - Not following my heart. </p> <p><strong>Judith Leoni</strong> - Maybe that I never got enough sleep!</p> <p><em>Image credits: Shutterstock</em></p>

Retirement Life

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How can I keep my cat happy? 5 tips from a vet to help your feline friend live their best life

<p><em><a href="https://theconversation.com/profiles/anne-quain-12802">Anne Quain</a>, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a></em></p> <p>Around <a href="https://animalmedicinesaustralia.org.au/report/pets-in-australia-a-national-survey-of-pets-and-people-2/">one third of Australian households live with at least one cat</a>, yet surveys tell us the cats’ <a href="https://journals.sagepub.com/doi/10.1177/1098612X19890189">needs are not being met</a>.</p> <p>Cats may <a href="https://www.sup.org/books/media-studies/unified-theory-cats-internet">rule the internet</a>, but humans often misconstrue feline behaviour. Earlier this year, the Washington Post boldly declared <a href="https://www.washingtonpost.com/home/2024/03/12/cats-behavior-misunderstood/">cat’s arent jerks – they’re just misunderstood</a>. This was prompted by research showing that, contrary to unhelpful stereotypes, <a href="https://www.sciencedirect.com/science/article/pii/S1090023323000795">cats are not antisocial</a>. They can and do bond closely with humans.</p> <p>The more we learn about cats, the more we realise they are complex individuals with unique <a href="https://pmc.ncbi.nlm.nih.gov/articles/PMC8300181/">personalities</a> and preferences, capable of <a href="https://www.nature.com/articles/s41598-024-74006-2">learning</a>.</p> <p>From understanding your cat’s language to keeping them safe and healthy – here are science-backed tips to improve the lives of your feline flatmates.</p> <h2>1. Pay attention to body language</h2> <p>Cats communicate with humans using body language and vocalisation. However, while cats direct meows at humans, and the meows vary depending on the context, humans <a href="https://pmc.ncbi.nlm.nih.gov/articles/PMC7765146/">are not great at decoding them</a>. But we can read cat body language.</p> <p>For example, slow blinking is likely to indicate a <a href="https://www.nature.com/articles/s41598-020-73426-0">positive emotional state</a>. Cats who are not happy (for example, don’t want to be touched) will freeze, move away, flatten their ears, hiss, or – if they feel they have no other option – scratch or bite.</p> <p>It is better to allow cats to approach you on their terms, rather than pushing for social interaction. A cat approaching you with their tail up is giving a <a href="https://pmc.ncbi.nlm.nih.gov/articles/PMC8469685/">friendly signal</a>, while a tail swishing from side to side signals annoyance.</p> <p>Cats should always have the option to opt out of any interaction, like being touched. If you aren’t sure, just “<a href="https://www.companionanimalpsychology.com/p/purr-science-of-making-your-cat-happy.html">ask</a>”: stop patting them. If they walk away, they’re not keen. If they rub their head against you, they want to continue the interaction.</p> <h2>2. Provide a healthy environment</h2> <p>The American Association of Feline Practitioners and the International Society of Feline Medicine have agreed upon <a href="https://journals.sagepub.com/doi/full/10.1177/1098612X13477537">five pillars of a healthy feline environment</a>:</p> <ol> <li> <p>A safe space so that cats can retreat if frightened.</p> </li> <li> <p>Multiple, separated key resources (food, water, toileting areas, scratching areas, play areas and resting or sleeping areas) so that cats can comfortably conduct their daily activities.</p> </li> <li> <p>Opportunity for play and predatory behaviour, such as games with wand toys that simulate hunting.</p> </li> <li> <p>Positive, consistent and predictable human-cat interactions, respecting a cat’s choice about whether and how they interact.</p> </li> <li> <p>Respecting the importance of a cat’s senses by avoiding undesirable stimuli (strong smells and loud noises), and providing desirable sensory stimulation (for example, use of <a href="https://theconversation.com/are-catnip-and-treats-like-it-safe-for-cats-heres-how-they-affect-their-minds-and-moods-214947">catnip or silver vine</a>).</p> </li> </ol> <p>These pillars provide a useful checklist. If you read this and realise your cat’s food and water are right next to the litter tray, you can improve your cat’s environment (and their experiences of eating and toileting) by separating these resources right now.</p> <h2>3. Clean the litter tray!</h2> <p>A litter tray may represent an unpleasant chore to you, but the importance of a spacious litter tray to your cat cannot be overstated. Cats <a href="https://www.sciencedirect.com/science/article/pii/S0376635716302972">prefer using a clean litter tray</a>, even if they are the only cat in the household.</p> <p>Cats like to <a href="https://www.sciencedirect.com/science/article/pii/S016815911730151X">spend time in the tray</a> before, during and after toileting, and they generally <a href="https://www.sciencedirect.com/science/article/pii/S1558787814000033">prefer a large tray</a>.</p> <p>Poor litter hygiene is associated with a risk of urinary problems, which can be <a href="https://onlinelibrary.wiley.com/doi/10.1111/jvim.16389">life-threatening</a>. A <a href="https://doi.org/10.1177/1098612X19890189">survey of over 12,000 Australian cat owners</a> found that urinary problems were more common in households with a low number of litter trays per cat, less frequent removal of faeces from the trays, and the use of crystal-type cat litter.</p> <p>If you switch the type of litter you provide, a <a href="https://www.mdpi.com/2076-2615/12/8/946">slow transition</a> is recommended to allow cats to get used to the change.</p> <h2>4. Read the room</h2> <p>Do you have more than one cat? Tension between household cats is common but often overlooked, as it’s not always physical fighting. Signs of inter-cat tension can include prolonged staring, or even blocking the use of resources such as the litter tray or cat door, to prevent other cats from using them.</p> <p>In their <a href="https://journals.sagepub.com/doi/10.1177/1098612X241263465">2024 intercat-tension guidelines</a>, the American Association of Feline Practitioners note this can case chronic fear, anxiety and stress-related illnesses in cats.</p> <p>Learning to recognise and manage tension between household cats can improve the welfare of all parties.</p> <p>When you love your cat, it is tempting to seek to amplify the joy by adopting another. But many cats prefer to be the only cat in the household, and don’t cope well with a <a href="https://pmc.ncbi.nlm.nih.gov/articles/PMC10083434/">feline flatmate</a>. If they have positive interactions with familiar, trusted humans, they’re unlikely to be lonely.</p> <h2>5. Keep cats and other animals safe</h2> <p>Historically, domesticated cats earned their keep <a href="https://www.sciencedirect.com/science/article/pii/S0169534720300100">protecting grain stores</a> from rodents. But what constitutes responsible cat ownership has changed. Around 65% of Australia’s cat owners <a href="https://pmc.ncbi.nlm.nih.gov/articles/PMC10215893/">confine their cats</a> indoors always, while 24% keep their cats confined at night.</p> <p>A major driver for indoor-only housing of cats is their <a href="https://theconversation.com/one-cat-one-year-110-native-animals-lock-up-your-pet-its-a-killing-machine-138412">predation of wildlife</a>. Another is concerns about roaming-associated risks to cats, including cat fights, infectious diseases (such as <a href="https://pmc.ncbi.nlm.nih.gov/articles/PMC9546031/">feline immunodeficiency virus or FIV</a>), misadventure and motor vehicle trauma. But owners of cats kept entirely indoors were more likely to report <a href="https://www.sciencedirect.com/science/article/abs/pii/S0168159119301054?via%3Dihub">“problem” behaviours</a>.</p> <p>Ideally, cats shouldn’t be allowed to free-roam unsupervised where they can harm wildlife, even within the bounds of the property where you live. More than a third of local councils in Australia <a href="https://www.abc.net.au/news/2024-05-19/banning-pet-cats-roaming-native-animals-billions-dollars-council/103856000">now require</a> cats to be contained overnight or 24 hours a day.</p> <p>Outdoor access provides sensory stimulation, with different sights, sounds and smells. Alternatives to free roaming include providing access to a well-designed cat run, harness-training your cat, or supervising your cat.</p> <p>Cats who don’t leave home unless they’re moving house or being taken to the vet, quickly learn to associate the cat carrier with a trip to an unfamiliar environment. It doesn’t take a genius to work out that a vet visit is imminent when the carrier comes out.</p> <p>But that negative association can be changed. <a href="https://www.sciencedirect.com/science/article/pii/S0168159118302703">Cats who were rewarded with treats</a> when they approached, stepped inside or rested in the carrier for six weeks were much less stressed during veterinary visits.</p> <p>Cats are intelligent, and contrary to popular opinion, can be trained. The process can be enriching for cats and humans alike. With patience and commitment, <a href="http://www.smallanimaltalk.com/2017/04/book-review-trainable-cat-plus-that.html">you can train your cat</a> – from a simple “sit” to voluntarily stepping into the cat carrier.</p> <p>In short, give cats choice, respect their “cat-ness”, pay attention to their needs and try to see our world from their point of view. Your cat will be happier for it.<img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/242774/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><em><a href="https://theconversation.com/profiles/anne-quain-12802">Anne Quain</a>, Senior Lecturer, Sydney School of Veterinary Science, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a></em></p> <p><em>Image credits: Shutterstock</em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/how-can-i-keep-my-cat-happy-5-tips-from-a-vet-to-help-your-feline-friend-live-their-best-life-242774">original article</a>.</em></p>

Family & Pets

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How we diagnose and define obesity is set to change – here’s why, and what it means for treatment

<p><em><a href="https://theconversation.com/profiles/louise-baur-5284">Louise Baur</a>, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a>; <a href="https://theconversation.com/profiles/john-b-dixon-11630">John B. Dixon</a>, <a href="https://theconversation.com/institutions/swinburne-university-of-technology-767">Swinburne University of Technology</a>; <a href="https://theconversation.com/profiles/priya-sumithran-1529047">Priya Sumithran</a>, <a href="https://theconversation.com/institutions/monash-university-1065">Monash University</a>, and <a href="https://theconversation.com/profiles/wendy-a-brown-1665">Wendy A. Brown</a>, <a href="https://theconversation.com/institutions/monash-university-1065">Monash University</a></em></p> <p>Obesity is <a href="https://www.niddk.nih.gov/health-information/weight-management/adult-overweight-obesity/health-risks#:%7E:text=Having%20overweight%20or%20obesity%20increases,the%20cells%20in%20your%20body">linked to</a> many common diseases, such as type 2 diabetes, heart disease, fatty liver disease and knee osteoarthritis.</p> <p>Obesity is currently defined using a person’s body mass index, or BMI. This is <a href="https://www.who.int/news-room/fact-sheets/detail/obesity-and-overweight">calculated</a> as weight (in kilograms) divided by the square of height (in metres). In people of European descent, the BMI for obesity is 30 kg/m² and over.</p> <p>But the risk to health and wellbeing is not determined by weight – and therefore BMI – alone. We’ve been part of a global collaboration that has spent the past two years discussing how this should change. Today we publish how we think obesity should be defined and why.</p> <p>As we outline in <a href="https://www.thelancet.com/commissions/clinical-obesity">The Lancet</a>, having a larger body shouldn’t mean you’re diagnosed with “clinical obesity”. Such a diagnosis should depend on the level and location of body fat – and whether there are associated health problems.</p> <h2>What’s wrong with BMI?</h2> <p>The risk of ill health depends on the relative percentage of fat, bone and muscle making up a person’s body weight, as well as where the fat is distributed.</p> <p>Athletes with a relatively high muscle mass, for example, may have a higher BMI. Even when that athlete has a BMI over 30 kg/m², their higher weight is due to excess muscle rather than excess fatty tissue.</p> <p>People who carry their excess fatty tissue <a href="https://www.abc.net.au/news/health/2017-09-06/waist-size-why-it-matters-and-when-its-a-risk/8839708">around their waist</a> are at greatest risk of the health problems associated with obesity.</p> <p>Fat stored deep in the abdomen and around the internal organs can release damaging molecules into the blood. These can then <a href="https://theconversation.com/body-fat-deep-below-the-surface-is-a-toxic-risk-especially-for-your-heart-146307">cause problems</a> in other parts of the body.</p> <p>But BMI alone does not tell us whether a person has health problems related to excess body fat. People with excess body fat don’t always have a BMI over 30, meaning they are not investigated for health problems associated with excess body fat. This might occur in a very tall person or in someone who tends to store body fat in the abdomen but who is of a “healthy” weight.</p> <p>On the other hand, others who aren’t athletes but have excess fat may have a high BMI but no associated health problems.</p> <p>BMI is therefore an imperfect tool to help us diagnose obesity.</p> <h2>What is the new definition?</h2> <p>The goal of the <a href="https://pubmed.ncbi.nlm.nih.gov/36878238">Lancet Diabetes &amp; Endocrinology Commission on the Definition and Diagnosis of Clinical Obesity </a>was to develop an approach to this definition and diagnosis. The commission, established in 2022 and led from King’s College London, has brought together 56 experts on aspects of obesity, including people with lived experience.</p> <p>The commission’s <a href="https://www.thelancet.com/commissions/clinical-obesity">definition and new diagnostic criteria</a> shifts the focus from BMI alone. It incorporates other measurements, such as waist circumference, to confirm an excess or unhealthy distribution of body fat.</p> <p>We define two categories of obesity based on objective signs and symptoms of poor health due to excess body fat.</p> <p><strong>1. Clinical obesity</strong></p> <p>A person with clinical obesity has signs and symptoms of ongoing organ dysfunction and/or difficulty with day-to-day activities of daily living (such as bathing, going to the toilet or dressing).</p> <p>There are 18 diagnostic criteria for clinical obesity in adults and 13 in children and adolescents. These include:</p> <ul> <li> <p>breathlessness caused by the effect of obesity on the lungs</p> </li> <li> <p>obesity-induced heart failure</p> </li> <li> <p>raised blood pressure</p> </li> <li> <p>fatty liver disease</p> </li> <li> <p>abnormalities in bones and joints that limit movement in children.</p> </li> </ul> <p><strong>2. Pre-clinical obesity</strong></p> <p>A person with pre-clinical obesity has high levels of body fat that are not causing any illness.</p> <p>People with pre-clinical obesity do not have any evidence of reduced tissue or organ function due to obesity and can complete day-to-day activities unhindered.</p> <p>However, people with pre-clinical obesity are generally at higher risk of developing diseases such as heart disease, some cancers and type 2 diabetes.</p> <h2>What does this mean for obesity treatment?</h2> <p>Clinical obesity is a disease requiring access to effective health care.</p> <p>For those with clinical obesity, the focus of health care should be on improving the health problems caused by obesity. People should be offered evidence-based treatment options after discussion with their health-care practitioner.</p> <p><a href="https://www.thelancet.com/journals/lancet/article/PIIS0140-6736(24)01210-8/abstract">Treatment</a> will <a href="https://www.thelancet.com/journals/landia/article/PIIS2213-8587(22)00047-X/fulltext">include</a> management of obesity-associated complications and may include specific obesity treatment aiming at decreasing fat mass, such as:</p> <ul> <li> <p>support for <a href="https://www.obesityevidencehub.org.au/collections/treatment/behavioural-interventions-for-the-management-of-overweight-and-obesity-in-adults">behaviour change</a> <a href="https://www.obesityevidencehub.org.au/collections/treatment/managing-overweight-and-obesity-in-children-and-adolescents">around</a> diet, physical activity, sleep and screen use</p> </li> <li> <p>obesity-management medications to reduce appetite, lower weight and <a href="https://www.obesityevidencehub.org.au/collections/treatment/medication-and-surgery-for-the-treatment-of-overweight-and-obesity-in-adults">improve health</a> outcomes such as blood glucose (sugar) and blood pressure</p> </li> <li> <p>metabolic <a href="https://theconversation.com/thinking-about-bariatric-surgery-for-weight-loss-heres-what-to-consider-184153">bariatric surgery</a> to treat obesity or reduce weight-related health complications.</p> </li> </ul> <h2>Should pre-clinical obesity be treated?</h2> <p>For those with pre-clinical obesity, health care should be about risk-reduction and prevention of health problems related to obesity.</p> <p>This may require health counselling, including support for health behaviour change, and monitoring over time.</p> <p>Depending on the person’s individual risk – such as a family history of disease, level of body fat and changes over time – they may opt for one of the obesity treatments above.</p> <p>Distinguishing people who don’t have illness from those who already have ongoing illness will enable personalised approaches to obesity prevention, management and treatment with more appropriate and cost-effective allocation of resources.</p> <h2>What happens next?</h2> <p>These new criteria for the diagnosis of clinical obesity will need to be adopted into national and international clinical practice guidelines and a range of obesity strategies.</p> <p>Once adopted, training health professionals and health service managers, and educating the general public, will be vital.</p> <p>Reframing the narrative of obesity may help eradicate misconceptions that contribute to stigma, including making false assumptions about the health status of people in larger bodies. A better understanding of the biology and health effects of obesity should also mean people in larger bodies are not blamed for their condition.</p> <p>People with obesity or who have larger bodies should expect personalised, evidence-based assessments and advice, free of stigma and blame.<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/245164/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><a href="https://theconversation.com/profiles/louise-baur-5284"><em>Louise Baur</em></a><em>, Professor, Discipline of Child and Adolescent Health, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a>; <a href="https://theconversation.com/profiles/john-b-dixon-11630">John B. Dixon</a>, Adjunct Professor, Iverson Health Innovation Research Institute, <a href="https://theconversation.com/institutions/swinburne-university-of-technology-767">Swinburne University of Technology</a>; <a href="https://theconversation.com/profiles/priya-sumithran-1529047">Priya Sumithran</a>, Head of the Obesity and Metabolic Medicine Group in the Department of Surgery, School of Translational Medicine, <a href="https://theconversation.com/institutions/monash-university-1065">Monash University</a>, and <a href="https://theconversation.com/profiles/wendy-a-brown-1665">Wendy A. Brown</a>, Professor and Chair, Monash University Department of Surgery, School of Translational Medicine, Alfred Health, <a href="https://theconversation.com/institutions/monash-university-1065">Monash University</a></em></p> <p><em>Image credits: Shutterstock </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/how-we-diagnose-and-define-obesity-is-set-to-change-heres-why-and-what-it-means-for-treatment-245164">original article</a>.</em></p>

Body

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Some ancient Romans got to retire with a pension at 42, but retirement’s changed a bit over the centuries

<p><em><a href="https://theconversation.com/profiles/anthony-asher-247115">Anthony Asher</a>, <a href="https://theconversation.com/institutions/unsw-sydney-1414">UNSW Sydney</a></em></p> <p>Over the ages, there have been broadly three reasons why people have retired.</p> <p>Some are forced to by poor health – theirs or someone they care for. Others have alternative income sources, meaning they don’t rely on a regular pay cheque. And some are made to retire by an employer who wants to overhaul staffing.</p> <p>But where did the idea of retirement come from? And how was it handled in ancient times?</p> <h2>Origins of support</h2> <p>Retirement support – which these days comes in the form of superannuation or a government pension – dates back to ancient history in various forms.</p> <p>Some forms of retirement support were funded by local taxes or tithes, others by donations. Some systems were corrupt and the coverage was patchy.</p> <p>Records are not readily available from other cultures, but we know a little about ancient Rome and English history since then.</p> <p>Emperor Augustus, who ruled after Julius Caesar died, set up a <a href="https://pensionresearchcouncil.wharton.upenn.edu/wp-content/uploads/2020/01/03Chap3.pdf">scheme</a> for Roman soldiers more than 2,000 years ago. The scheme aimed to ensure they retired while still strong and healthy, and would be less likely to cause trouble.</p> <p>The scheme paid a decent amount for soldiers after 25 years of service, so retirement age could be as young as 42.</p> <p>Pensions for older people in need also have ancient origins. The New Testament <a href="https://biblehub.com/1_timothy/5-9.htm">Bible</a> records the churches had schemes for needy widows right from the beginning.</p> <p>In the early Middle Ages, monasteries often provided for the needy, but Henry VIII famously <a href="https://en.wikipedia.org/wiki/Dissolution_of_the_monasteries">closed them</a> and took their assets. A fair share of their assets ended up with <a href="https://en.wikipedia.org/wiki/John_Russell,_1st_Earl_of_Bedford">high government officials</a> after the king’s takeover.</p> <p>Industry funds can also be seen to date back <a href="https://www.britannica.com/money/friendly-society">at least to the Middle Ages</a>, where the trade guilds provided for members and their families who fell on hard times.</p> <p>Retail funds mainly began as <a href="https://www.google.com/search?client=firefox-b-d&amp;q=history+of+life+insurance">mutual life insurance companies</a> that began more than 200 years ago.</p> <p>In the 18th century, the East India Company and the Bank of England began <a href="https://sas-space.sas.ac.uk/9224/1/McIlvenna%20PhD%20final.pdf">offering pensions</a>. These were at first discretionary based on need and loyalty, but later covered all employees. This idea then spread to other larger companies such railways and banks.</p> <p>As modern states developed the capacity to collect income taxes, it became feasible to provide comprehensive retirement benefits funded by central government.</p> <p>Beginning with <a href="https://www.ssa.gov/history/ottob.html">Germany in 1889</a>, developed countries began introducing universal national age pension arrangements.</p> <p>Unfortunately, a number of countries, such as <a href="https://www.uncdf.org/article/8799/governor-innovation-key-to-expanding-insurance-and-pension-coverage-in-png">Papua New Guinea</a>, still do not have the capacity to provide a universal safety net to cover older people.</p> <h2>Retirement in Australia</h2> <p>Three Australian states <a href="https://treasury.gov.au/publication/economic-roundup-centenary-edition-2001/article-3-towards-higher-retirement-incomes-for-australians-a-history-of-the-australian-retirement-income-system-since-federation">began schemes</a> in 1900, and the federal government provided a universal (but means tested) scheme from 1909.</p> <p>Most Australian retirees seem to enjoy a favourable standard of living. The <a href="https://grattan.edu.au/news/5-key-takeaways-from-the-retirement-income-review/">Grattan Institute</a> finds that the poorest 30% are, in fact, better off in retirement.</p> <p>Massive house price and rental inflation in the last 30 years, however, has gutted the living standards of those who don’t own their own homes. This gap in the safety net needs to be addressed.</p> <h2>Retirement ages</h2> <p>The Roman army model persists in some countries to this day: retirement from the US military is available <a href="https://sgp.fas.org/crs/misc/RL34751.pdf">after 20 years</a> of service.</p> <p>Retirement this early is obviously very expensive. The church scheme mentioned in the New Testament had a minimum age of 60, which is still the normal retirement age in many countries.</p> <p>The <a href="https://www.oecd.org/en/publications/2023/12/pensions-at-a-glance-2023_4757bf20.html">OECD</a> reports the average age of retirement in their 38 member countries is just under 64 for women, and just over 64 for men.</p> <p>Australians now qualify for the <a href="https://www.servicesaustralia.gov.au/who-can-get-age-pension?context=22526">age pension</a> at 67, which is slightly older than average.</p> <p>Retirement ages are, however, rising to allow for “population ageing”, a longer life expectancy and lower birth rates. Life expectancy at retirement age is the important number when calculating the cost of pensions.</p> <p>In ancient Rome it was about seven years and was <a href="https://www-cambridge-org.wwwproxy1.library.unsw.edu.au/core/services/aop-cambridge-core/content/view/30ED00A164475432670833C87D2F9E97/S2046164X00000405a.pdf/contributions_to_the_history_of_insurance_and_of_the_theory_of_life_contingencies_with_a_restoration_of_the_grand_pensionary_de_wits_treatise_on_life_annuities_concluded_from_no_vi.pdf">about the same</a> in Sweden in the middle of the 18th century.</p> <p>In Australia, the life expectancy of a 65 year old woman has risen from 12 years in 1895 to <a href="https://aga.gov.au/sites/aga.gov.au/files/2020-07/Australian%20Life%20Tables%202015-17%20v5.pdf">23 years on average</a>.</p> <h2>Earnings-related pensions</h2> <p>The <a href="https://www.ssa.gov/history/ottob.html">1889 German scheme</a> paid a minimum pension, plus an earnings-related component. Workers had a book for stamps for each week’s earnings.</p> <p>The Australian age pension has always just paid a minimum “liveable” amount. This has been subject to different means tests over time, but retirees have been able to supplement it with their own savings.</p> <p>Until 1987, only 40% of Australian employees were covered by employer sponsored schemes. Then in 1992, the <a href="https://www.apra.gov.au/superannuation-australia-a-timeline">Superannuation Guarantee Scheme</a> was introduced. Under this, employers were required to contribute 3% into all exployees’ super.</p> <p>The standard rate will rise to 12% in July next year.</p> <h2>The future</h2> <p>A growing ageing population will mean the Australian government and superannuation industry will need to adjust current support systems.</p> <p><a href="https://treasury.gov.au/consultation/c2023-441613">Over the next decade</a>, about 2.5 million Australians will move from accumulation (where you’re building up your super) to join the 1.6 million already receiving super benefits.</p> <p>We can expect more people to be living into their nineties and needing pensions for life.</p> <p>One government <a href="https://treasury.gov.au/sites/default/files/2023-12/c2023-441613-dp.docx">priority</a> is to make lifetime pensions as much part of the Australian system as they are in <a href="https://www.mercer.com/en-au/about/newsroom/mercer-cfa-institute-global-pension-index-2024/">the rest of the world</a></p> <p>And after 30 years of growing complexity in the rules covering superannuation, regulators are <a href="https://www.alrc.gov.au/publication/superannuation-and-the-legislative-framework-for-financial-services-fsl11/">counting the cost</a>, and <a href="https://www.brokernews.com.au/news/breaking-news/asic-targets-regulation-overhaul-286067.aspx">planning some simplification</a>.</p> <hr /> <p><em>This article is part of The Conversation’s retirement series, in which experts examine issues including how much money we need to retire, retiring with debt, the psychological impact of retiring and the benefits of getting financial advice. Read the rest of the series <a href="https://theconversation.com/au/topics/retirement-series-2024-168372">here</a>.<img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/241121/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></em></p> <p><em><a href="https://theconversation.com/profiles/anthony-asher-247115">Anthony Asher</a>, Associate Professor in the UNSW Business School, <a href="https://theconversation.com/institutions/unsw-sydney-1414">UNSW Sydney</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/some-ancient-romans-got-to-retire-with-a-pension-at-42-but-retirements-changed-a-bit-over-the-centuries-241121">original article</a>.</em></p>

Retirement Income

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‘Is this all there is?’ Retirement can be a painful transition if we don’t adjust our thinking

<p><em><a href="https://theconversation.com/profiles/susan-moore-1446031">Susan Moore</a>, <a href="https://theconversation.com/institutions/swinburne-university-of-technology-767">Swinburne University of Technology</a></em></p> <p>The age at which Australians can receive the pension has <a href="https://www.dss.gov.au/seniors/benefits-payments/age-pension">risen to 67</a>, meaning many of us are working longer. But the length of time we are expected to spend retired has also risen, because <a href="https://www.abs.gov.au/statistics/people/population/life-expectancy/latest-release">we are living longer</a>.</p> <p>It’s not unreasonable to expect the retirement phase will last about 20 years, perhaps longer. How should people approach it?</p> <h2>Are retirees satisfied?</h2> <p>In 2018 a colleague and I <a href="https://www.routledge.com/Women-and-Retirement-Challenges-of-a-New-Life-Stage/Moore-Rosenthal/p/book/9781138045231">surveyed nearly 1,000 Australians</a> aged 55 and over who described themselves as fully or substantially retired from the workforce.</p> <p>Most were very satisfied (51%) or satisfied (35%) with their retirement, and the majority rated their post-retirement life satisfaction as better (47%) or the same (39%) as it had been when they were working.</p> <h2>What do retirees like most?</h2> <p>Retirees in our survey talked about freedom. Freedom to sleep in, travel, catch up with friends and family, renovate, garden, get fit, try art classes, learn Italian and if they can afford it, spend up big.</p> <p>But even freedom can have a downside. One woman from the survey said after four months she got sick of it, asking “Is this all there is?”</p> <p>So what did retirees miss most? Money was a big issue for nearly 20%, and about one-third felt their financial position had worsened, even though the group had mainly worked in professional and white-collar jobs.</p> <p>But the things they missed most were social – the opportunity to make new friends, to engage in new activities, and to feel useful. They said things like:</p> <blockquote> <p>I miss the companionship of working in a team. Miss some of the social connections that I once enjoyed.</p> </blockquote> <p>Work not only provides income and social contact, it also has the capacity to engender a sense of meaning and purpose. Some retirees commented specifically on this</p> <blockquote> <p>I miss the sense of purpose. While it was hugely stressful, I felt useful. Now I keep feeling at a bit of a loss as if I should be doing something.</p> </blockquote> <h2>Identity loss</h2> <p>There’s also the issue of <a href="https://www.taylorfrancis.com/books/mono/10.4324/9780203786338/marienthal-marie-jahoda-paul-lazarsfeld-hans-zeisel">identity loss</a>. Work provides us with status; it enhances our sense of self. Achievement of work goals can build confidence and self-esteem.</p> <p>When we meet a new person, often the first question they ask is “what do you do for a living?” It can feel as though your work defines you as a person, rather than your many-faceted self.</p> <p>Not surprisingly, our study respondents frequently commented on retirement as challenging their sense of identity.</p> <h2>The retirement journey</h2> <p>So it is important to remember retirement is not just an event, it’s a process.</p> <p>In any <a href="https://onlinelibrary.wiley.com/doi/abs/10.1002/j.2161-1920.2011.tb01102.x">major life transition</a>, it’s necessary to adapt our roles and expectations. Even the most exciting life changes, such as becoming a parent or winning a lottery, involve psychological work.</p> <p>We are likely to experience strong emotions, both positive and negative, as we experiment, fail, lose heart, try something else and eventually adjust to a new reality.</p> <p>These adjustments might be greater for retirees who go from full-time work to full-time leisure, than for those who move gradually through part-time or casual work or who quickly take up new activities they’ve been planning for years.</p> <p>Mark Cussen, a financial planner specialising in retirement, argues the retirement journey takes us through <a href="https://www.investopedia.com/articles/retirement/07/sixstages.asp">several psychological stages</a>, including a honeymoon phase in which new retirees feel relieved as the constraints of working life are removed.</p> <p>However, the initial sense of freedom loses its novelty value. Some retirees then go through a phase of disenchantment. Life can feel boring, lacking in purpose or weighed down by domestic duties and activities that do not challenge or bring joy.</p> <h2>The ‘best years of our lives’</h2> <p>The final phase is adaptation, involving a re-orientation of identity from worker to someone who finds meaning and purpose in a different set of activities.</p> <p>This change usually involves renegotiating relationships with family and friends as well as experimenting with new activities, interests and friendship groups.</p> <p>Over time, most retirees develop a new, non-work identity. New routines, different social worlds and re-imagined goals are established. Many describe these years as the best of their lives.</p> <h2>What makes a successful retirement?</h2> <p>Research <a href="https://academic.oup.com/workar/article-abstract/2/2/262/2428266?login=false">assessing the strongest predictors</a> of adjustment to and satisfaction with retirement is complex because there are so many potential variables to be measured and controlled.</p> <p>But these are often distilled down to several key factors including physical health, finances, psychological health, leisure activities, and social integration.</p> <p><a href="https://pubmed.ncbi.nlm.nih.gov/21463050/">Studies assessing gender difference</a> in adjustment to retirement are equivocal, but somewhat dated. Nevertheless, <a href="https://www.researchgate.net/publication/228590652_Renegotiating_identity_and_relationships_Men_and_women's_adjustments_to_retirement">many commentators agree</a> women generally have fewer problems adapting socially.</p> <p>Women tend to have stronger non-work networks, are more integrated into their communities and have a more multifaceted sense of identity than those men who define themselves largely in terms of their work.</p> <p>However, the average woman is <a href="https://www.routledge.com/The-Psychology-of-Retirement/Rosenthal-Moore/p/book/9780815347088?srsltid=AfmBOoo--YAKvrHK8gDkQ0Cd1qI7A0PHOjgEZ-VqzDRAJb4KvEt5eMpt">less financially prepared</a> for retirement than a man as a result of taking time off work for children or other caring responsibilities. Women also dominate many of the lower paid jobs.</p> <p>But for both sexes, <a href="https://academic.oup.com/workar/article-abstract/2/2/262/2428266">studies indicate</a> pre-retirement planning helps ensure a secure retirement.</p> <h2>Work out what’s important</h2> <p>Money isn’t everything. Lifestyle planning including post-retirement activities, new roles and interests,prioritising mental and physical health and maintaining your social contacts are also vital aspects of a workforce exit strategy.</p> <p>How are you planning to stay mentally stimulated? What strategies do you have in place to manage stress and maintain good physical health? And what about friendships? Loneliness is being <a href="https://www.mja.com.au/journal/2024/221/6/loneliness-epidemic-holistic-view-its-health-and-economic-implications-older-age">described as an “epidemic”</a> among the elderly, especially those without a partner.</p> <p>How will you build a new social life that may include but does not rely on former work colleagues? How will you negotiate a family life that keeps you connected without becoming a domestic slave?</p> <h2>A well-planned retirement</h2> <p>Retirement has the potential to be a wonderful phase of life in which it is possible to strengthen relationships and achieve goals that you didn’t have time for in your middle years when you were consolidating your career and home life.</p> <p>It’s a time to live out some of your dreams, work through a bucket list perhaps, and have some fun as well as planning what sort of legacy you will leave for future generations.</p> <p>What’s the secret? In short, plan your finances, maintain a healthy lifestyle, stay socially integrated, challenge yourself mentally, stay positive and be flexible.<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/241265/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><a href="https://theconversation.com/profiles/susan-moore-1446031"><em>Susan Moore</em></a><em>, Emeritus Professor, Faculty of Health, Arts and Design, <a href="https://theconversation.com/institutions/swinburne-university-of-technology-767">Swinburne University of Technology</a></em></p> <p><em>Image credits: Shutterstock </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/is-this-all-there-is-retirement-can-be-a-painful-transition-if-we-dont-adjust-our-thinking-241265">original article</a>.</em></p>

Retirement Life

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102-year-old woman fulfils bucket list dream of visiting Australia

<p>A 102-year-old woman has successfully fulfilled her bucket list dream of visiting all seven continents with the help of two Youtubers. </p> <p>Dorothy Smith, who lives in a retirement home in San Francisco, had travelled all over the world except Australia. </p> <p>When the guys behind the YouTube channel <em>Yes Theory,</em> Staffan Taylor and Ammar Kandil heard about this, they were determined to make her dream come true.</p> <p>The two men, who met her in the retirement village, asked her "‘is there anything on your bucket list you haven’t ticked off yet?’ and she said, ‘I’ve been to six continents but I’ve never been to Australia,’” <em>Yes Theory</em> filmmaker Staffan Taylor explained.</p> <p>The centenarian recalled how she received a note from them. </p> <p>“He gave me this little piece of paper that said something about ‘dreams come true’,” Dorothy told <em>Sunrise </em>on Tuesday.</p> <p>“I showed it to a friend, and they said, ‘look, there is no signature, there is no telephone number, there is no address — it’s fake’,” she added.</p> <p>But it wasn't a scam and with the help of Destination NSW and Qantas, the Youtubers made her dream come true, and shared a clip of her experience online. </p> <p>She chose Sydney as her Aussie destination because of the Opera House, which she is twice the age of. </p> <p>“This is like Disneyland for grown ups,” she joked while visiting the iconic landmark.</p> <p>She also visited visited Wild Life Sydney Zoo to see some koalas and kangaroos, the Botanic Gardens, the Museum of Contemporary Art, and went for a cruise on the harbour. </p> <p><iframe title="YouTube video player" src="https://www.youtube.com/embed/38PwG3zGDDI?si=dqhuCIqOoKfokdCq" width="560" height="315" frameborder="0" allowfullscreen="allowfullscreen"></iframe></p> <p>She described Aussies as “charming” and complimented the food, scenery and weather. </p> <p>“These two gentlemen have been delightful, and there is a whole crew, and each one is as nice as the other, and they have been around this town very well,” she told <em>Sunrise</em>. </p> <p>“It’s just beautiful — I’ve seen things like the zoo and the real animals.</p> <p>“It is much more metropolitan (than I would have thought), and the people are charming,” she added. </p> <p>The centenarian said it is "never too late" for a new adventure, saying: “You can either rust out or wear out and I’m trying to wear out rather than rust out." </p> <p><em>Yes Theory</em> co-founder Ammar Kandil who went on the trip with Dorothy and her daughter, said he was in awe of the centenarian's curiosity during the trip and had been inspired by her. </p> <p>“One of the cornerstones of the experiences in our videos is actually whenever we go somewhere, we always try to ask the elders and get a lot of the wisdom out of them from their life experiences,” he said.</p> <p>“Staffan (and I) had the opportunity to double down and do a full episode on elders, only to meet the most epic one of all (Dorothy) — it doesn’t get better.</p> <p>“(As soon as we heard) we just went for it, and it was a no-brainer — as soon as she said she hadn’t been to Australia, we thought God bless her soul.</p> <p>“She is so powerful and still moves, and if anyone can go to Australia at 102 years old, it is Dorothy.”</p> <p>“Even at 102 years old she is still appreciating everything she is seeing,” he added. </p> <p><em>Images: Yes Theory/ Youtube</em></p> <p> </p>

Retirement Life

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5 retirement derailers and how to avoid them

<p>Retirement is often called our “golden years”, the time we can enjoy the fruits of our working lives. Not everything goes to plan, and five particular issues can derail even the best laid retirement plans – regardless of whether they hit before or post retirement.  Avoiding the worst effects involves preparing for the worst and hoping for the best. </p> <p>Remember that good retirement planning involves impartial advice to identify risks, and strategies to address them, that you may not have considered. So, check in with your financial adviser, accountant and family lawyer to ensure you have all your bases covered.</p> <p><strong>#1. Relationship breakdowns</strong></p> <p>Separations and divorces see you shift from two incomes to one, joint assets are split (potentially even sold), and acrimonious splits result in costly legal battles.  Furthermore, elder abuse affects one in six older Australians, the Australian Institute of Health and Welfare notes. Adult children, siblings and close friends are among the perpetrators. This could involve financial, physical, emotional or other forms of abuse and control.</p> <p><span style="text-decoration: underline;"><em>Solution:</em></span> Maintain financial independence. Not everything has to be shared – it is good to have your own income, savings, superannuation and investments in addition to joint assets. A prenuptial agreement helps by outlining what each partner came into the relationship with. </p> <p>Open communication is crucial, as is active participation in financial decisions – two pairs of eyes are better than one. Keep super beneficiaries updated. I’ve seen people unwittingly gift their ex their super, leaving their current partner with nothing, because these details weren’t updated post-separation. </p> <p><strong>#2. Partner’s premature death </strong></p> <p>Sudden deaths from an accident, illness, natural disaster, crime or other unforeseen cause not only take someone before their time, but can cripple those left behind. This is especially true where the departed was the primary or sole breadwinner, often forcing their partner to retire much later.</p> <p><span style="text-decoration: underline;"><em>Solution:</em></span> Don’t stick your head in the sand. Expect the unexpected and plan accordingly. Life insurance is perhaps the most obvious form of protection here. It can be taken out within your super, so it needn’t touch your everyday finances.Ensure everyone’s wills and estate planning are up-to-date and accessible, saving valuable time to finalise estate transfers and financial access for surviving beneficiaries.</p> <p><strong>#3. Chronic health problem</strong></p> <p>Whether it’s cancer, dementia (especially early on-set), or any other chronic condition, the problem here (over and above your health) is two-fold: healthcare costs suddenly soar, while ability to earn an income ceases – temporarily or permanently. You may even be forced into early retirement, draining your nest egg earlier than planned – doubly so if your partner also must retire to care for you.</p> <p><span style="text-decoration: underline;"><em>Solution:</em></span> Have a plan B. Fallback options are invaluable, such as health insurance to offset medical costs and an emergency fund for paying bills while undergoing treatment. Don’t sell investments unless you absolutely have to – they can generate passive income now while offering longer-term capital growth.</p> <p><strong>#4. Major financial setback</strong></p> <p>Financial setbacks have numerous causes – natural disasters, scams, business failures, investment losses, gambling addictions. However. the results are often the same – financial stress and delayed retirement.</p> <p><span style="text-decoration: underline;"><em>Solution:</em></span> Act quickly. Of course, prevention is best, but not everything is preventable. If you do suffer a major setback, fast and decisive action is crucial – both to stem the losses and put your recovery into action ASAP. See what can be recovered. Banks can put a stop on withdrawals and cards. Revisit protections, such as insurances and back-up plans.  </p> <p>Emergency grants and assistance are offered by governments and charities during disasters.  Get support – financial setbacks are stressful. Don’t compound the pain by letting your mental and physical health slide.</p> <p><strong>#5. Insecure housing</strong></p> <p>We all know the rental market is tight. It’s even harder for those in retirement: landlords prioritise tenants in paid employment; rents consume a larger share of retirement income than home ownership. Then there are ownership considerations: joint tenants versus tenants in common. If your partner dies, will you automatically inherit ownership or be forced to move?</p> <p><span style="text-decoration: underline;"><em>Solution:</em></span> Do your best to get on the property ladder.  That may require some creative thinking. Consider cheaper markets from where you live; entry-level “renovator’s delights” to improve over time; pooling funds to buy jointly with trusted family or friends. Even if you rent out the property, you have the option to move in should you find yourself otherwise homeless. </p> <p>Plus, you have a stable investment over and above your super. Also, consider ongoing maintenance costs and tax implications. Owning or inheriting a property is counterproductive if you can’t afford its upkeep or mortgage repayments.</p> <p><em><strong>Helen Baker is a licensed Australian financial adviser and author of On Your Own Two Feet: The Essential Guide to Financial Independence for all Women. Helen is among the 1% of financial planners who hold a master’s degree in the field. Proceeds from book sales are donated to charities supporting disadvantaged women and children. Find out more at <a href="http://www.onyourowntwofeet.com.au/">www.onyourowntwofeet.com.au</a></strong></em></p> <p><em><strong>Image credits: Shutterstock</strong></em></p>

Money & Banking

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"You made me enjoy the game": Federer's emotional retirement letter to Nadal

<p>Roger Federer has penned an emotional tribute to Rafael Nadal ahead of his retirement, reflecting on their stellar careers together. </p> <p>Nadal’s career officially came to an end when Spain was defeated 2-1 by the Netherlands in the Davis Cup quarter-final in Malaga on Wednesday morning, with Nadal in tears as he stepped onto the court for the final time. </p> <p>Thousands of tributes poured in for Nadal as his retirement officially began, but Federer's tribute quickly went viral for his emotional words.</p> <p>“As you get ready to graduate from tennis, I’ve got a few things to share before I maybe get emotional,” Federer said. </p> <p>“Let’s start with the obvious: you beat me - a lot. More than I managed to beat you. You challenged me in ways no one else could. On clay, it felt like I was stepping into your backyard, and you made me work harder than I ever thought I could just to hold my ground."</p> <p>“You made me reimagine my game - even going so far as to change the size of my racquet head, hoping for any edge. I’m not a very superstitious person, but you took it to the next level. Your whole process. All those rituals."</p> <p>“Assembling your water bottles like toy soldiers in formation, fixing your hair, adjusting your underwear … All of it with the highest intensity. Secretly, I kind of loved the whole thing. Because it was so unique - it was so you."</p> <p>“And you know what, Rafa, you made me enjoy the game even more. OK, maybe not at first. After the 2004 Australian Open, I achieved the No. 1 ranking for the first time. I thought I was on top of the world. And I was - until two months later, when you walked on the court in Miami in your red sleeveless shirt, showing off those biceps, and you beat me convincingly."</p> <p>"All that buzz I’d been hearing about you - about this amazing young player from Mallorca, a generational talent, probably going to win a major someday - it wasn’t just hype."</p> <p>“We were both at the start of our journey and it’s one we ended up taking together. Twenty years later, Rafa, I have to say: What an incredible run you’ve had. Including 14 French Opens - historic! You made Spain proud … you made the whole tennis world proud."</p> <p>“And then there was London – the Laver Cup in 2022. My final match. It meant everything to me that you were there by my side – not as my rival but as my doubles partner."</p> <p>“Sharing the court with you that night, and sharing those tears, will forever be one of the most special moments of my career.”</p> <p>Federer signed off the 585-word tribute from “your fan Roger”.</p> <p><em>Image credits: ANDY RAIN/EPA-EFE/Shutterstock Editorial </em></p>

Retirement Life

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How to complain about aged care and get the result you want

<p><em><a href="https://theconversation.com/profiles/jacqueline-wesson-1331752">Jacqueline Wesson</a>, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a> and <a href="https://theconversation.com/profiles/lee-fay-low-98311">Lee-Fay Low</a>, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a></em></p> <p>It can be hard to know what to say, or who to talk to, if you notice something isn’t right for you or a loved one in residential aged care.</p> <p>You might have concerns about personal or medical care, being adequately consulted about changes to care, or be concerned about charges on the latest bill. You could also be concerned about theft, neglect or abuse.</p> <p>Here’s how you can raise issues with the relevant person or authority to improve care and support for you or your loved one.</p> <h2>Keep records</h2> <p>You can complain about any aspect of care or service. For instance, if medical care, day-to-day support or financial matters do not meet your needs or expectations, you can complain.</p> <p>It is best to act as soon as you notice something isn’t right. This may prevent things from escalating. Good communication helps get better results.</p> <p>Make written notes about what happened, including times and dates, and take photos. Try to focus on facts and events. You can also keep a record of who was involved and their role.</p> <p>Keep track of how the provider responded or steps taken to resolve the issue. Write notes of conversations and keep copies of emails.</p> <h2>Who do I complain to?</h2> <p><strong>Potential criminal matters</strong></p> <p>If you have concerns about immediate, serious harm of a criminal nature then you should contact the police, and your provider immediately. These types of serious incidents include unreasonable use of force or other serious abuse or neglect, unlawful sexual contact, stealing or unexpected death.</p> <p>The provider may have already contacted you about this. They are required to report such <a href="https://www.agedcarequality.gov.au/consumers/serious-incident-response-scheme">serious incidents</a> to both the Aged Care Quality and Safety Commission within 24 hours, and to the police.</p> <p><strong>Other matters</strong></p> <p>For other matters, talk to the care staff involved. Try to find out more detail about what happened and why things went wrong. Think about what you expect in the situation.</p> <p>Then talk to the most senior person in charge, to see if they can make changes so things don’t go wrong in the future. This person may be called the nursing unit manager, care manager or care director.</p> <p>Providers must acknowledge and investigate your complaint, tell you their findings and actions taken, and follow up to see if you are satisfied.</p> <p>If you would like support to talk to the provider, the <a href="https://opan.org.au">Older Persons Advocacy Network</a> can help. This free service provides independent and confidential support to help find solutions with the aged-care provider. The network can also help you lodge a formal complaint.</p> <h2>How to I lodge a formal complaint?</h2> <p>If you are not satisfied with the way your provider responded, you can lodge a complaint with the <a href="https://www.agedcarequality.gov.au">Aged Care Quality and Safety Commission</a>.</p> <p>Be prepared to submit the facts and events, plus emails and correspondence, you have already collected. Think about what you want to happen to resolve the complaint.</p> <p>Each complaint is handled individually and prioritised depending on the risks to you or your loved one. The commission will start its processes within one business day when complaints are urgent. The resolution process took <a href="https://www.agedcarequality.gov.au/sites/default/files/media/acqsc-annual-report-2020-21.pdf">an average 40 days</a> in 2020-21.</p> <p>You can complain confidentially, or anonymously if you feel safer. But the commission may not be able to investigate fully if it’s anonymous. Also, there are limits to what the commission can do. It cannot ask providers to terminate someone’s employment, or provide direct clinical advice about treatment.</p> <p>Sometimes the commission has issued a “non-compliance” notice to the provider (for a failure to meet quality standards), and action may again <a href="https://www.abc.net.au/news/2022-05-02/aged-care-complaint-about-southern-cross-care-young/101009716">be limited</a>. So it is a good idea to check the <a href="https://www.myagedcare.gov.au/non-compliance-checker">non-compliance register</a> beforehand to see if your provider is listed.</p> <h2>What do others complain about?</h2> <p>From October to December 2021, <a href="https://www.agedcarequality.gov.au/sites/default/files/media/acqs-sector-performance-data-oct-dec-2021.pdf">about a third</a> of Australian nursing homes had a complaint made to the commission against them. Some had more than one complaint. More than half of these complaints were lodged by family, friends or other consumers.</p> <p>The top reasons for complaints were about:</p> <ul> <li> <p>adequacy of staffing</p> </li> <li> <p>medication administration or management</p> </li> <li> <p>infectious diseases or infection control</p> </li> <li> <p>personal and oral hygiene</p> </li> <li> <p>how falls are prevented and managed</p> </li> <li> <p>consultation or communication with representatives and/or family members.</p> </li> </ul> <h2>What if I’m still not happy?</h2> <p>If you’re not happy when you receive the commission’s outcome, you can request a review with 42 days.</p> <p>You can also request the <a href="https://www.ombudsman.gov.au">Commonwealth Ombudsman</a> to review the complaint if you’re not satisfied with the commission’s decision or the way the commission handled your complaint.</p> <h2>Remember, you have a right to complain</h2> <p>The <a href="https://agedcare.royalcommission.gov.au">Aged Care Royal Commission</a> spotlighted the neglect and substandard care that can occur in nursing homes. Despite attempts to <a href="https://www.health.gov.au/resources/publications/concepts-for-a-new-framework-for-regulating-aged-care">lift the standard of aged care</a>, we know residents and carers still have concerns.</p> <p>Residents, and their representatives or families, have a legal <a href="https://www.agedcarequality.gov.au/consumers/standards/resources">right to speak up and complain</a>, free from reprisal or negative consequences. This right is also reflected in the <a href="https://www.agedcarequality.gov.au/consumers/consumer-rights">Charter of Aged Care Rights</a>, which providers are legally required to discuss with you and help you understand.</p> <h2>Moving to another facility</h2> <p>If you have exhausted all avenues of complaint or feel conditions have not improved, you may decide to move to another provider or facility, if available. This option may not be possible in rural areas.</p> <p>This is a difficult decision. It takes time, as well as financial and emotional resources. Starting again with a new provider can also be disruptive for everyone, but sometimes it may be the right choice.</p> <hr /> <p><em>Contact the <a href="https://opan.org.au">Older Persons Advocacy Network</a> on 1800 700 600, the <a href="https://www.agedcarequality.gov.au">Aged Care Quality and Safety Commission</a> on 1800 951 822 or the <a href="https://www.ombudsman.gov.au">Commonwealth Ombudsman</a> on 1300 362 072.</em><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/180036/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><em><a href="https://theconversation.com/profiles/jacqueline-wesson-1331752">Jacqueline Wesson</a>, Senior Lecturer (Teaching and Research), Discipline of Occupational Therapy, School of Health Sciences, Faculty of Medicine and Health, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a> and <a href="https://theconversation.com/profiles/lee-fay-low-98311">Lee-Fay Low</a>, Professor in Ageing and Health, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a></em></p> <p><em>Image credits: Shutterstock </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/how-to-complain-about-aged-care-and-get-the-result-you-want-180036">original article</a>.</em></p>

Retirement Life

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"Hardest year of my life": Prince William's candid admission

<p>Prince WIlliam has made a candid admission about his life this past year, following the double cancer diagnoses of his father King Charles and wife Kate Middleton. </p> <p>When asked how this year has been in an interview with UK print media in Cape Town during his trip to South Africa, the royal replied: “Honestly? It’s been dreadful.</p> <p>“It’s probably been the hardest year in my life.”</p> <p>The Prince of Wales, who took time off while Princess Kate was being treated added:  “So, trying to get through everything else and keep everything on track has been really difficult.</p> <p>“But I’m so proud of my wife, I’m proud of my father, for ­handling the things that they have done. But from a personal family point of view, it’s been, yeah, it’s been brutal.”</p> <p>While the King and Princess Kate have both issued statements about their health struggles, this is the first time William has spoken candidly on the subject. </p> <p>The Prince of Wales is in South Africa as part of Earthshot Week, and presented the Earthshot Prize Awards on November 6. </p> <p>When asked if his family had watched the live broadcast of the awards ceremony, he replied: “I don’t know yet. I haven’t clocked in with them yet but I hope they did.</p> <p>“But it’s interesting you say that, ’cause I couldn’t be less relaxed this year, so it’s very interesting you’re all seeing that. But it’s more a case of just crack on and you’ve got to keep going.</p> <p>“I enjoy my work and I enjoy pacing myself and keeping sure I have got time for my family too.”</p> <p>He also shared an update on his wife's condition saying that "she's doing well. Doing well". </p> <p><em>Image: Andrew Parsons/Kensington Palace/ Shutterstock Editorial</em></p>

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I spoke to 100 Japanese seniors, and learnt the secret to a good retirement is a good working life

<p><em><a href="https://theconversation.com/profiles/shiori-shakuto-1537774">Shiori Shakuto</a>, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a></em></p> <p>What makes a good retirement? I’ve <a href="https://www.pennpress.org/9781512827088/after-work/">been researching</a> the lives of “silver backpackers”: Japanese seniors who embark on a later-life journey of self-discovery.</p> <p>Many experienced Japan’s high-growth economy, characterised by rigid gender roles. For many men who worked as iconic cultural figures of <em><a href="https://en.wikipedia.org/wiki/Salaryman">sarariiman</a></em> (white collar workers), excessive working hours were normalised and expected. Their absence from home was compensated by their female partners, many full-time stay-at-home mothers.</p> <p>Entering their 60s meant either retirement from work, or children leaving home. For men and women, retirement is understood as an opportunity to live a life for themselves, leading to a journey of self-discovery.</p> <h2>Dedicating life to work</h2> <p>I interviewed more than 100 older Japanese women and men and found a significant disparity in the quality of life between them.</p> <p>Japanese retired men who led a work-oriented life struggled to find meaning at the initial stages of retirement.</p> <p>One man I spoke to retired at the age of 60 from a large trading company. He was a successful businessman, having travelled the world and held various managerial positions in the company. His wife looked after the children most of the time.</p> <p>They bought a house with a yard in a suburb so the children could attend a good school. It significantly increased his commute, and further reduced his time with children. He also worked on weekends. He barely had time to develop his hobbies or get to know his neighbours.</p> <p>He idealised his retirement as a time to finally spend with his family and develop his own hobbies. When he retired, however, he realised that he and his family didn’t have any common topics of conversation.</p> <p>Through decades of excessive hours spent at work away from home, the rest of the family established a routine that did not include him. Taking up new hobbies at the age of 60 was not as easy as he thought, nor was making new friends at this age.</p> <p>“I became a <em>nureochiba</em>,” he lamented. <em>Nureochiba</em> refers to the wet fallen leaves that linger and are difficult to get rid of. The term is commonly used to describe retired men with no friends or hobbies who constantly accompany their wives.</p> <p>The retirement for many former <em>sarariiman</em> was characterised by boredom – having nowhere to go to or having nothing to do. The sense of boredom led to a sense of isolation and low confidence in old age. Many older Japanese men I spoke to lament not having built a connection with their children or communities at a younger age.</p> <h2>Dedicating life to family and community</h2> <p>Older Japanese women I spoke with were more well-connected with their children and local communities in later life. Many were in regular contact with their children through visits, phone calls and messages. Some continued to care for them by providing food or by looking after grandchildren. Children very much appreciated them.</p> <p>Many older women who had been full-time stay-at-home mothers had already taken up hobbies or volunteering activities at community organisations, and they could accelerate these involvements in their old age.</p> <p>Even women who worked full-time seemed to maintain better connections with their family members because working excessively away from home was simply not possible for them.</p> <p>Older men relied on these women’s networks and activities conducted at the scales of home and communities – from caring for others to pursuing hobbies – to enact a meaningful retirement. The sense of connection with family and communities, not to mention their husbands’ reliance on them, led to a high confidence and wellbeing among older women.</p> <p>I saw many instances where older women preferred spending time with their female friends than their retired husbands and embarked on adventurous trips alone. One woman went on a three-month cruise alone. Feeling liberated, she sent a fax message to her husband from the ship: “When I get off this ship, I will devote the rest of my life to myself. You will have to take care of your own mother.”</p> <p>Upon disembarking, she moved to Malaysia to start her second life.</p> <h2>The silver backpackers</h2> <p>Malaysia has become a popular destination for silver backpackers looking to embark on a journey of self-discovery. Some travel as couples, while others go alone, regardless of their marital status.</p> <p>For many male silver backpackers I spoke to, moving to Malaysia offers a second chance at life to make new friends, find hobbies and, most importantly, start anew with their partners.</p> <p>For many female silver backpackers, visiting Malaysia means being able to enjoy an independent lifestyle while having the security of friends and family in Malaysia and Japan.</p> <p>The experiences of older Japanese men and women can be translated into the experiences of anyone who spent excessive hours at work and those who spent more time cultivating relationships outside of work. The activities of the latter group are not as valued in a society that narrowly defines productivity. However, my research shows that it is their activities that carry more value in old age.</p> <p>Are you under pressure to work long hours? If you can, turn off your phone and computer. Instead of organising events for work, organise a dinner with your family and friends. Take up a new hobby in your local community centres. You can change how you work and live now for a better old age.<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/238571/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><a href="https://theconversation.com/profiles/shiori-shakuto-1537774"><em>Shiori Shakuto</em></a><em>, Lecturer in Anthropology, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</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/i-spoke-to-100-japanese-seniors-and-learnt-the-secret-to-a-good-retirement-is-a-good-working-life-238571">original article</a>.</em></p>

Retirement Life