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What to claim for lost, delayed or damaged bags on overseas flights

<a href="https://theconversation.com/profiles/rebecca-johnston-123333">Rebecca Johnston</a>, <a href="https://theconversation.com/institutions/university-of-notre-dame-australia-852">University of Notre Dame Australia</a> and <a href="https://theconversation.com/profiles/david-hodgkinson-6574">David Hodgkinson</a>, <a href="https://theconversation.com/institutions/the-university-of-western-australia-1067">The University of Western Australia</a> If you get on a plane and your baggage ends up being delayed, damaged or lost, who’s responsible: you or the airline? And what rules apply when you’re flying between different countries – even if you don’t have travel insurance? Airlines (otherwise known as carriers) generally include baggage requirements in their terms and conditions of carriage, which are set out or referred to on your ticket. These are the rules that apply to the journey that you have booked. But for international flights, a carrier’s liability for damage, loss or delay of baggage is governed by a number of overarching international treaties, which many passengers aren’t aware of. <h2>International agreements</h2> The <a href="http://www.jus.uio.no/lm/air.carriage.warsaw.convention.1929/doc.html">Warsaw Convention</a> of 1929 was the first of these treaties, and the latest is the passenger-friendly 1999 <a href="http://www.jus.uio.no/lm/air.carriage.unification.convention.montreal.1999/">Montreal Convention</a>. In order for one of these treaties to apply to a particular journey, the same treaty must be in place at the point of departure and the passenger’s final destination. For many trips, the agreement that will apply will be the Montreal Convention, which has to date <a href="http://www.icao.int/secretariat/legal/List%20of%20Parties/Mtl99_EN.pdf">108 state parties</a>, covering everywhere from Albania and Australia to Zambia. In time, the Montreal Convention is expected to apply to almost all air travel. The Warsaw Convention (as amended by the <a href="http://www.jus.uio.no/lm/air.carriage.warsaw.convention.hague.protocol.1955/doc.html">Hague Protocol</a> and <a href="http://www.jus.uio.no/lm/air.carriage.warsaw.convention.montreal.protocol.4.1975/doc.html">Montreal Protocol No. 4</a>) will generally apply where the Montreal Convention does not. It is less favourable to passengers. All these treaties have similar provisions to deal with baggage claims – but very different limits to what you might get if you need to make a claim. <h2>What the airline is responsible for</h2> A carrier is liable if your checked baggage is lost, delayed or damaged regardless of fault. This is so unless the damage resulted from the inherent defect or quality of the baggage or, in terms of delay, if it proves that it took all reasonable measures to avoid the damage occasioned by that delay. As for unchecked baggage (that is, carry-on baggage), the carrier is only liable if the damage is due to the fault of the carrier or its agents. Unless otherwise specified, reference to “baggage” includes both checked and unchecked baggage. <h2>Calculating baggage compensation</h2> Under the Warsaw Convention (as amended by the <a href="http://www.jus.uio.no/lm/air.carriage.warsaw.convention.hague.protocol.1955/doc.html">Hague Protocol</a> and <a href="http://www.jus.uio.no/lm/air.carriage.warsaw.convention.montreal.protocol.4.1975/doc.html">Montreal Protocol No. 4</a>) and the Montreal Convention, liability limits are expressed in <a href="http://www.imf.org/external/np/exr/facts/sdr.HTM">special drawing rights</a> (SDRs). An SDR is a type of foreign exchange reserve asset created by the International Monetary Fund. Its value is based on an artificial basket of currencies consisting of the US dollar, the euro, the pound and the Japanese yen. The liability limits are reviewed every five years. As of October 16, 2014, the <a href="http://www.imf.org/external/np/fin/data/param_rms_mth.aspx">value of an SDR</a> is about US$1.49, £0.93 or A$1.70. Current SDR values for other currencies are also listed <a href="http://www.imf.org/external/np/fin/data/param_rms_mth.aspx">here</a>. <h2>So what is your baggage worth?</h2> In terms of baggage liability limits, the Warsaw Convention is of relatively little assistance to passengers. If your international travel is subject to Warsaw (for example, if you flew out of the United States on a one way ticket to Guatemala), liability for delayed, damaged or lost baggage is limited to 17 SDRs (about US$25.33, £15.81 or A$28.90) per kilogram per passenger for checked baggage and 332 SDRs (about US$494.68, £308.76 or A$564.40) per passenger for unchecked baggage. In contrast, a carrier is liable to pay far greater damages if the Montreal Convention applies. For any travel covered by Montreal, the carrier’s liability for baggage is limited to 1131 SDRs per passenger (US$1685.19, £1051.83 or A$1922.70), unless otherwise declared. The carrier is not liable for damages caused by delay if the carrier took all reasonable measures, or if it was impossible for it to take such measures. <h2>Time limits on baggage claims</h2> Time limits are imposed on making a claim for delayed, damaged or lost baggage. Any potential claims should be made to a carrier in writing within these specified limits. Article 26 of Warsaw provides that any complaint as to delay of baggage must be made at the latest within 21 days from the date the baggage was placed at the passenger’s disposal. <figure class="align-right zoomable"></figure> Similarly, under Article 31 of Montreal, a complaint must be made within 21 days of a passenger receiving their baggage. With respect to damaged baggage, under Warsaw, any claim must be made “forthwith” after the discovery of the damage and at most seven days from the date of receipt of the baggage. Montreal also gives passengers seven days from receipt of checked bags to report a damage claim. Neither convention imposes a time limit for reporting lost baggage claims. But it is advisable that you make your complaint as soon as possible. Warsaw does not state when baggage is considered “lost”, leaving it up to carriers to make that ruling. Under Montreal, baggage is only considered lost after 21 days or if the carrier admits that they have lost it. If a passenger fails to make a complaint within the specified times, the carrier will not be liable unless there has been fraud on the carrier’s part. <h2>Insurance alternatives</h2> If you are concerned that the contents of your baggage exceed the liability limits outlined above, you can make a special declaration of the value of your baggage prior to check-in and pay any additional fee (if required). In this case, the carrier will be liable to pay a higher amount, unless it is proved that the declared amount is greater than the actual value of your baggage. Alternatively, prior to travelling, check with your insurance company as to whether your travel insurance covers any excess from delayed, damaged or lost baggage. You might also want to <a href="http://www.icao.int/secretariat/legal/List%20of%20Parties/Mtl99_EN.pdf">check this list</a> to see whether the places you’re departing from and finally arriving at are parties to the Montreal Convention. If not, you might just find yourself out of pocket.<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/32111/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/rebecca-johnston-123333">Rebecca Johnston</a>, Adjunct Lecturer, Law School, <a href="https://theconversation.com/institutions/university-of-notre-dame-australia-852">University of Notre Dame Australia</a> and <a href="https://theconversation.com/profiles/david-hodgkinson-6574">David Hodgkinson</a>, Associate Professor, Law School, <a href="https://theconversation.com/institutions/the-university-of-western-australia-1067">The University of Western Australia</a> Image credits: Shutterstock This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/what-to-claim-for-lost-delayed-or-damaged-bags-on-overseas-flights-32111">original article</a>.

Travel Trouble

5 ways to reduce everyday bills

It’s not uncommon to get to the end of the month and be surprised by a figure in your bills. But this surprise needn’t be unpleasant. There is wide a range of simple measures you can employ to reduce your monthly bills without too much effort. Follow these five simple tips and save money. 1. Food and groceries Food can be a problem area in the average Australian’s budget, either because we’re physically eating too much, eating out too much or spending too much money on groceries. But that doesn’t mean you have to transition to a Spartan diet. Here’s how you can save on your grocery bill: <ul> <li>Reduce the amount of times you’re eating out or getting takeout a week</li> <li>Use a shopping list and coupons, pay for groceries (this means you’re less likely to splurge on items that you don’t need) and buy more non-perishable foods to store and save</li> <li>Consider starting a garden and grow your own fruit and veggies</li> </ul> 2. Energy Many people have found their energy bills have been increasingly steady over the past through years, but this doesn’t mean you have to be part of that trend. With a little bit of ingenuity and not a lot of fuss you can make your house energy efficient and enjoy huge power bill savings: <ul> <li>Switch to energy-efficient light bulbs. In many cases these bulbs do cost more than traditional bulbs, but they use much less energy and can last up to 10 times longer</li> <li>Unplug unused electrical devices that are draining electricity</li> <li>Make sure you home is airtight to prevent cold drafts in winter and the loss of cool air in summer. This will also reduce your heating/cooling bills accordingly</li> </ul> 3. Cars As fuel, registration and maintenance costs start to pile up, a car can seem less like a convenience and more like a money pit rolling around on four wheels. That being said, there is a range of ways you can enjoy the access vehicle ownerships provides, without having to pay through your nose: <ul> <li>Underinflated tyres reduces the value of your cars fuel economy significantly, so make sure you take a couple of minutes to check the air pressure and reinflate once a month</li> <li>Consider selling a vehicle if you’re not using it often. Without taking the cost of parking and toll roads into account driving vehicles costs thousands of dollars a year</li> <li>Use more public transport and consider setting up car pools with friends/colleagues</li> </ul> 4. Grooming and beauty Looking and feeling great is important, but it doesn’t necessarily have to be a hugely expensive ordeal. With a little bit of ingenuity, creativity and willingness to not spend $10,000 on that jewel encrusted headdress you can still be the belle/male-belle of the ball without breaking the bank: <ul> <li>Reduce the amount of money you spend on clothing by keeping your eye on sales</li> <li>Consider lower cost alternatives to your favourite beauty products</li> <li>Cut back on the amount of times you have your hair cut and styled</li> </ul> 5. Additional entertainment expenses Your deluxe gym membership might give you access to the power lifting body attack class, but are you really getting the full value for it and the other regular entertainment expenses you’ve signed up for? There are still ways to stay entertained without having to break the bank every week. <ul> <li>Consider cancelling club memberships for places you don’t visit often</li> <li>Investigate free events and inexpensive entertainment ideas like cheap movies Tuesdays</li> <li>Magazine and newspaper subscriptions can also become expensive if you’re not actually reading the papers, as well as pay television services that can be easily eliminated</li> </ul> Image credits: Shutterstock

Money & Banking

"We should give back": Bill Gates' ex-wife on giving away her $16bn fortune

Melinda French Gates has opened up on her decision to give away her fortune after leaving the Bill & Melinda Gates Foundation in June. Melinda, who is reportedly worth $16.8 billion, said that she will stick with her decision to give away her fortune on The Late Show with Stephen Colbert, as it's "the right thing to do for society". "If we grew up in the United States, anybody who has grown up in this country has been really lucky and I don't care who you are," she explained. "To be able to go to a decent school, grow up and pursue your career, and if so you are a billionaire, my gosh, you have benefited from this country, right? "So we should give back." She also feels there is "a responsibility and to do it in a way that's incredibly thoughtful". Melinda, who divorced the Microsoft founder Bill Gates back in 2021, has announced her plans to focus on her organisation Pivotal Ventures, which she founded in 2015. The organisation's aim is to "advance social progress by removing barriers that hold people back." She said that she is determined to ensure that "women's rights are not only on the agenda, but that women are setting the agenda" – especially after watching women's rights be rolled back internationally over the last few years." "What I saw, part of why our women's rights got rolled back in the United States is that those organisations were starved for funding, and they were playing defense," she explained. Melinda has pledged to donate $1 billion to this end over the next two years. Image: Julien De Rosa/EPA/ Shutterstock Editorial

Money & Banking

"There's no way": Man receives $52 billion tax bill

An American man has been left confused after receiving a letter from the government claiming he owed $52 billion in unpaid taxes. Barry Tangert got two letters in the mail from the state of Pennsylvania, opening the first to find a refund check from the federal government for over $900. His joy was short-lived though as he opened the second letter to find the income billing notice from the Pennsylvania Department of Revenue claiming that he owed a jaw-dropping $52,950,744,735.28 ($34,576,826,561.47 AUD). “I knew it was an obvious blunder. I don’t even make over $100,000 a year, so there’s no way I could owe anywhere near that,” Barry Tangert told local outlet News 8. The total sum was so large it didn’t even fit on a single line on the document. Tangert immediately knew it was a mistake, with the astonishing number being more than triple the $11 billion America’s richest man Elon Musk says he owed the government in 2022. How the error made it all the way to his doorstep is still a mystery to Tangert. “I don’t know if it was a computer glitch in the transmission or if it was an input error from my tax preparer,” Tangert said, noting that his tax preparer filed an amendment after noticing an error on his 2022 return. He reached out to the Pennsylvania Department of Revenue’s customer service line, which also provided little help to the baffled man. “The first thing he said was, ‘You had a good year.’ And I said, ‘I wish,’” Tangert said. Fortunately, the state department has since resolved the issue, which it chalked up to wrong numbers simply being put into the system. Image credits: WGAL News 8

Money & Banking

Tourist slapped with $225k bill after simple mistake

An American tourist has revealed the moment he was charged with a $US143k (AU$225k) bill after a short holiday to Switzerland. Rene Remund and his wife Linda went on the trip last September. Prior to their travels, Remund made sure to inform his mobile phone provider, T-Mobile, that he was going overseas and as a customer of 30 years, he was told he was “covered”. So, with no worries at all, the tourist shared photos of his moments in the Swiss countryside with friends and family via photo messages. Imagine his surprise when he came home to a six-figure bill, after he racked up thousands and thousands of dollars in daily roaming costs. “I get this T-Mobile bill and it doesn’t bother me very much because I was reading $143,” he explained, adding it wasn’t until he went to pay the bill that he realised a few more zeros were involved. “I look at the bill and I say, ‘excuse me’,” he said. “$143,000 … are you guys crazy?” According to the bill, Remund had racked up 9.5 gigabytes of data while in Europe, which cost him thousands of dollars each day. While it wasn't a huge amount of data, not being covered by roaming fees will cause a user to run up a huge bill very quickly. “I called [T-Mobile] and the girl put me on hold for a while,” he explained. “She said let me check this out and I’ll get back to you. She gets back and says, yeah this is a good bill. “I said, ‘what do you mean it’s a good bill?’ And she says ‘well, this is what you owe’. “I said ‘you’re kidding me … you’re crazy’.” After confirming that his bill was in fact AU$225,000, Remund hired a lawyer to argue the fact that he was covered for international roaming. His lawyer issued a letter to the president of T-Mobile, and they only received a reply a few days ago. The letter from T-Mobile allegedly said that the service provider was “sorry” for the charges, and that Remund would receive a “credit” to eliminate the entire bill. In an email shared to local media Scripps News Tampa, the mobile phone provider said that customers should always “check the travel features of their plan, such as international data roaming, before departing”. “If a customer is on an older plan that doesn’t include international roaming for data and calling, they’ll need to make sure they’re using aeroplane mode and wi-fi when using data to be certain the device doesn’t connect to an international network.” <em style="box-sizing: inherit; margin: 0px; padding: 0px; border: 0px; font-size: 16px; vertical-align: baseline; color: #323338; font-family: Figtree, Roboto, 'Noto Sans Hebrew', 'Noto Kufi Arabic', 'Noto Sans JP', sans-serif; background-color: #ffffff; outline: none !important;">Images: ABC Action News

Travel Trouble

"My unexpected $223,000 overseas bill"

Jeffrey Yates had just embarked on a once-in-a-lifetime holiday with his wife to celebrate their wedding anniversary. Instead, he ended up racking up a whopping $223,255 bill, the biggest claim his insurance company had seen during 2017. The 71-year-old from Western Australia said the pair’s much-anticipated trip had started off well. “The trip was a particularly special one as it was our 50th wedding anniversary, so it was something we’d been looking forward to for quite some time,” Mr Yates told <a href="http://www.news.com.au/travel/travel-advice/health-safety/my-unexpected-223000-overseas-bill/news-story/94cd850899f9e1367bf6f3fb49621307">news.com.au.</a> “We started in Dubai, and then went over to Athens. From there, we jumped on a cruise from Athens to Barcelona.” But things soon took a turn when Jeffrey was struck with a series of illnesses while in Italy. “We were only a week in when my health started to deteriorate,” he said. “I contracted legionnaires’ disease and pneumonia which led to me discovering that I had emphysema on the trip. “The experience was quite scary and my wife and our two friends had to leave the cruise early to assist during my recovery.” He ended up in hospital for more than a month. “Within three days they’d dropped us off in Naples to see a specialist hospital, which led to 16 days in intensive care. This was followed by an extended stay in hospital. “All up, I was out of action for 47 days. After all was said and done, the total came to well over $220,000 … It was an extremely difficult situation.” Jeff says that while the couple always take out travel insurance, it was more for his wife who has ongoing health issues. He hadn’t anticipated he would need it. “It’s not something you think about, especially given how quickly those transportation and hospital bills can add up,” he said. “Of course, we were disappointed that such a long-awaited trip had been cut short, but we are grateful that it wasn’t worse and that we weren’t left out of pocket.” He says his experience show that all travellers need to protect themselves when travelling – as you really never know what could happen. Jeff still has ongoing health issues that he is being monitored for, including breathing issues for which he still requires oxygen. Images: Getty

Travel Trouble

10 tips for planning a staycation that’s better than an overseas trip

We spent so much of our lives daydreaming to be somewhere else that sometimes we lose sight of how amazing our surrounds actually are! Of course it’s nice to venture overseas, but sometimes it’s equally as nice to take a moment to smell the roses. Here are 10 tips to help you get the most out of your staycation: 1. Plan ahead Not having a clear idea of what you’re actually going to do on the day is the death knell of any staycation. So do some research and figure out some interesting activities to try in your city. A little bit of planning ahead can go a long way. 2. Find timely events Is there a festival you’ve always wanted to go to but never managed to find the time? Well, a staycation is the perfect opportunity to try this. Staycations are pretty much designed for this sort of experience, so enjoy! 3. Don’t go it alone A staycation is also a great opportunity to catch up with some old friends (or even make new ones) so make sure you invite some other people along. 4. Set a budget Even though you’re not really travelling anywhere, it makes sense to set a weekly budget to make sure you’re not spending too much. Or if that seems like a bit too much, even just set out a basic daily limit. Also, take advantage of free regular events in your own city. 5. Check the weather before you head out There’s nothing worse than getting rained on without an umbrella. Check the forecasts and make sure the weather suits your staycation. 6. Say yes as much as you can We spend so much of our lives saying no, but when you’re on a staycation this is your opportunity to say yes as much as possible. Be spontaneous and fun! 7. Ice cream and junk food Well you are on vacation after all! This is a great opportunity to take advantage of those foods you avoid on a weekly basis, even if your belt ends up fitting to a different notch. 8. Mix up your routine Sleep in, stay out late and throw your routine out the window. Enjoy your city for what it is and make sure you take advantage of everything. 9. Be silly Don’t take yourself too seriously when you’re on a staycation and make sure you spend plenty of time enjoying the company of those that are nearest and dearest. 10. Reward yourself While you’re technically not travelling everywhere, staycations still require a lot of work, so make sure you reward yourself with a glass of wine. Image credit: Shutterstock

Domestic Travel

Readers respond: What was the first country you ever travelled to?

Everyone remembers the butterflies and excitement of travelling to another country for the first time. For many, the first trip overseas is unforgettable, because you are exploring another part of the world that is different from home. We’ve asked our readers about the first country they ever travelled to and the responses are diverse. Here’s what they said. Anita Thornton - Nigeria, in 1956, I was seven. Dad worked there and we joined him. So many wonderful memories. MarilyneJames Kelly - Went to the U.S. to Disneyland when I was 16. Ruth Jean Jennings - New Zealand ......and keep going back despite having travelled to heaps of other places!!! Susan Moldrich - Sri Lanka. I loved it so much I've been back nearly every year. Audrey Jones - To New Zealand from England. Mum. Dad and us 6 kids came by boat on 9th July 1954. Travelled back and around the world many times. Hilary Mole - By car and ferry, France, Switzerland and Italy 1960. By plane, Holland in 1965. Frances Nelson - Portuguese Timor. We drove Sydney to Darwin where we caught a small TAA plane to Dili. The only other tourist we met was a chap from Mozambique. Wonderful experience. Mindy Brown - Okinawa via Japan. My husband was stationed there in late 1960's Diane WillmoreHunsbedt - England when I was 7 my mom was a war bride and went to see her family Jenny Champness - Uganda from Australia with my sisters and parents for my dads new job. Amanda Onder - Italy, first of three trips there as a child. Pamela Tow - Papua New Guinea, where I worked in Goroka for a year. Beryl Hamblin - France Image: Getty Images

International Travel

How to avoid mobile phone bill horror stories when travelling

"I'm sorry, calls to this number are not allowed, please try again later". This. Again. At 1am standing outside what I thought was our Galway Airbnb, but instead was a popular alley for Irish revellers to relieve themselves. Brilliant. After begging a convenience store manager, borrowing a phone and stealing some local wi-fi, we made it to bed before 3am (one-star rating for the Airbnb host, naturally). Such was the power of the phone company when you're on holiday, I still got pinged far-too-high amounts for calls and data used to attempt a check-in at the Irish abode. A reader recently contacted me wanting to avoid such a conundrum by asking for the best SIM cards available in Europe. Thankfully, EU law has recently shielded travellers from harsh cross-border roaming charges by ruling that providers cannot charge excessively for access to rival networks in fellow EU nations. You'll see the kiosks hawking pre-paid SIM packages at many major airports. If you want the dependability a SIM provides, assess your needs and shop around. Better yet, get to know your smartphone better and use the whole range of mobile apps that will soon make international call and text roaming redundant. Organising hotels, taxis, tours, dinner reservations as well as calling home and making your friends and colleagues jealous with holiday snaps can all be done with a wi-fi connections, which are readily available and far cheaper (if not free). Avoid phone bill shock when you're away <ul> <li>Contact your mobile phone company rep about your destination and length of stay to see what add-ons and spending caps may be best.</li> <li>Only purchase local SIMs if you're in the country more than a week, have an unplanned itinerary or will have no free wi-fi at your accommodation.</li> <li>If you're on a per-day bundle, choose a few days to be on-the-grid and turn off your mobile data on other days.</li> <li>Go wi-fi only, in North American, Asian and European cities it's readily available.</li> <li>Embrace apps like Uber, Gett, WhatsApp, OpenTable and TripAdvisor to book taxis, call home and book restaurants and tours using hotel wi-fi and thus limiting calls.</li> </ul> Image credit: Shutterstock Written by Josh Martin. Republished with permission of <a href="http://www.stuff.co.nz/" target="_blank" rel="noopener">Stuff.co.nz</a>.

Travel Tips

1 in 4 households struggle to pay power bills. Here are 5 ways to tackle hidden energy poverty

<a href="https://energyconsumersaustralia.com.au/news/how-increases-in-energy-prices-are-impacting-consumers#:%7E:text=Energy%2520affordability%2520is%2520not%2520just,in%2520the%2520past%252012%2520months.">One in four Australian households</a> are finding it hard to pay their gas and electricity bills. As winter looms, <a href="https://www.aer.gov.au/news-release/default-market-offer-2023%25E2%2580%259324-draft-determination">energy price rises</a> will make it even harder. Cold homes and disconnections resulting from energy poverty threaten people’s health and wellbeing. <a href="https://www.acoss.org.au/wp-content/uploads/2023/03/ACOSS-cost-of-living-report2-March-2023_web_FINAL.pdf">Income support for welfare recipients</a> and retrofitting homes to make them more thermally efficient – by adding insulation, for example – can ease the burden. And when homes are not too cold or hot, <a href="https://theconversation.com/fuel-poverty-makes-you-sick-so-why-has-nothing-changed-since-i-was-a-child-living-in-a-cold-home-201787">people’s health benefits</a>. This in turn <a href="https://apo.org.au/node/319556">eases pressure on the public health system</a>. However, many people are missing out on assistance as programs often do not recognise their difficulties. Their energy vulnerability is hidden. <h2>What forms does hidden energy poverty take?</h2> <a href="https://www.sciencedirect.com/science/article/pii/S2214629623000737">Our newly published study</a> has revealed six aspects of hidden energy vulnerability. These are: <ol> <li> underconsumption – households limit or turn off cooling, heating and/or lights to avoid disconnections </li> <li> incidental masking – other welfare support, such as rent relief, masks difficulties in paying energy bills </li> <li> some households disguise energy poverty by using public facilities such as showers or pooling money for bills between families </li> <li> some people conceal their hardship due to pride or fear of legal consequences, such as losing custody of children if food cannot be refrigerated because the power has been cut off </li> <li> poor understanding of energy efficiency and the health risks of cold or hot homes adds to the problem </li> <li> eligibility criteria for energy assistance programs may exclude some vulnerable households. For example, people with income just above the welfare threshold are missing out on energy concessions. Energy retailer hardship programs also ignore people who have voluntarily disconnected due to financial hardship. </li> </ol> <h2>5 ways to help these households</h2> Our studies suggest trusted intermediaries such as people working in health, energy and social services can play a vital role in identifying and supporting such households. First, energy efficiency and hardship initiatives may be <a href="https://www.rmit.edu.au/about/schools-colleges/property-construction-and-project-management/research/research-centres-and-groups/sustainable-building-innovation-laboratory/projects/care-at-home-system-improvements">integrated into the My Aged Care in-home care system</a>. Energy poverty risk identification, response and referral could be built into the national service’s assessment form. This could leverage existing client screening processes. The system’s front-line staff could connect at-risk householders with energy counsellors. These counsellors could help people access better energy contracts, concessions, home retrofits and appliance upgrade programs. A new Commonwealth “energy supplement” could help pay for essential energy-related home modifications. This would help avoid My Aged Care funds being diverted from immediate healthcare needs. Second, general practitioners and other health professionals could help identify energy vulnerability among patients with medical conditions of concern. They could also provide letters of support emphasising renters’ health-based need for air conditioners or heaters. Third, energy providers could use household energy data to identify those that seem to be under-consuming or are often disconnected. They could also identify those that are not on “best offer” deals. They could be proactive in checking struggling householders’ eligibility for ongoing energy concessions and one-off debt relief grants offered by states and territories. Energy providers could also make it easier for social housing providers to ensure concessions for tenants renew automatically. Fourth, local councils could use their data to identify at-risk householders. They might include those with a disability parking permit, discounted council rates or in arrears, on the social housing waiting list, Meals on Wheels clients and social housing tenants. Maternal and child health nurses and home and community care workers making home visits could call attention to cold or hot homes. Councils could employ in-house energy counsellors to provide assistance and energy literacy training. Council home maintenance teams could develop bulk-buying, insulation and neighbourhood retrofit programs. Strategies to reduce vulnerability to energy poverty should be part of municipal public health and wellbeing plans. Under these strategies, net-zero-carbon funds set up by states and local councils to reduce emissions could finance targeted housing retrofits. We also suggest setting up a central helpline to improve access to energy assistance via local referrals. Fifth, residential energy-efficiency programs could become more person-centric. For example, we already have <a href="https://www.homescorecard.gov.au/">Residential Efficiency Scorecard</a> audits to assess the thermal quality of a home. These audits could also explore whether concessions and better energy deals are available to the household. <h2>Building capacity at all levels</h2> <a href="https://cur.org.au/cms/wp-content/uploads/2021/08/tackling-hidden-energy-final.pdf">Capacity-building strategies</a> are needed at all levels – individual, community and government – to overcome the <a href="https://www.sciencedirect.com/science/article/pii/S2214629623000737">challenges</a> of reducing energy poverty. Current obstacles include the competing priorities of service providers, lack of time and resources, and <a href="https://www.sciencedirect.com/science/article/abs/pii/S2214629622003553">poor co-ordination between siloed</a> programs and services. Access to essential energy services should be part of state and local governments’ strategic health plans. Housing, energy and health departments could work together to include housing retrofits in preventive health programs. A comprehensive approach is needed to overcome hidden energy poverty. It must include public education, integrated services and well-funded energy-efficiency programs. Regulatory reforms and ongoing funding are both needed to improve the availability of energy-efficient, affordable homes for tenants. Our suggested strategies start with improving the skills and knowledge of trusted intermediaries. Doctors, social workers, housing officers, community nurses and volunteers can play a central role. Using these front-line professionals to help identify and act on energy poverty offers a novel, cost-effective and targeted solution. This article originally appeared on <a href="https://theconversation.com/1-in-4-households-struggle-to-pay-power-bills-here-are-5-ways-to-tackle-hidden-energy-poverty-204672" target="_blank" rel="noopener">The Conversation</a>. Images: Getty

Home Hints & Tips

Travelling overseas? Here’s what the embassy will – and won’t – do to help if you get in trouble

Australians are jetting back out into the world again. The numbers are still below pre-pandemic levels, but almost <a href="https://www.abs.gov.au/statistics/industry/tourism-and-transport/overseas-arrivals-and-departures-australia">1.1 million Australians left the country</a> in December last year – compared to 1.3 million in December 2019. According to information provided by the Department of Foreign Affairs and Trade, passport applications smashed records in 2022, averaging more than 250,000 each month in the second half of the year. International travel is a safe, positive experience for most people, but unfortunately things do go wrong for some travellers. Trouble, when it comes, can involve anything from lost passports and small-scale theft to serious welfare problems, hospitalisation and arrests. In these cases, DFAT’s consular service will be expected to do what it can to assist. But where does personal responsibility begin and end when we leave our shores? What should we expect from our government, and what can we do ourselves to minimise the risks? <h2>Travellers behaving badly</h2> As a former head of the consular service in the early 2000s, I know the caseload involving overseas Australians is not limited to major, news-grabbing situations, like the recent <a href="https://www.theguardian.com/world/2023/feb/23/png-hostage-freed-australian-professor-researchers-captive-papua-new-guinea-mount-bosavi">kidnapping</a> of an Australia-based academic by a criminal gang in Papua New Guinea, or the impact of the <a href="https://www.theguardian.com/australia-news/2023/feb/11/turkey-and-syria-earthquake-australian-death-toll-believed-to-have-risen-to-three">devastating earthquake</a> in Turkey and Syria on Australians and their families. These were serious situations requiring intensive work from our diplomats, but there is much more to the job than that. <a href="https://www.smartraveller.gov.au/sites/default/files/2022-11/consular-state-of-play-2021-22.pdf">From June 2021-22</a>, an average of four Australians died overseas every day, while an average of two Australians were arrested every day - on matters ranging from immigration breaches to drugs crime, theft and fraud. In total, nearly 16,000 Australians turned to their local Australian overseas mission that year for help in “crisis cases” – more than triple the number in 2018-19 before the pandemic. COVID-related repatriations arranged by DFAT were counted separately – there were more than 62,000 of these in the past three years. Carrying an Australian passport means we can rely on a consular service to <a href="https://www.abc.net.au/radionational/programs/saturdayextra/what-happens-when-things-go-wrong-for-australians-overseas/13973350">provide support in these situations</a>. But expectations have grown among travellers in recent decades, partly because of the speed of our communications and the instant public feedback we receive via social media. While most Australians are self-reliant travellers, there are still many not living up to their side of the bargain. Most importantly, there are still too many not taking out appropriate travel insurance. Others disregard official travel warnings and then turn to the government for help when things go wrong. Then there are those whose expectations are just inappropriate – asking officials to arrange opera tickets or look after their pets, for example. More seriously, expectations can be very hard to manage in arrest cases overseas. Some Australians are shocked their citizenship doesn’t come with a “get out of jail free card”. But we are all subject to local laws and authority, no matter what notions we might have about the standards of justice that apply in some countries. At any given time, there are between <a href="https://www.smartraveller.gov.au/sites/default/files/2022-11/consular-state-of-play-2021-22.pdf">300 and 400 Australians imprisoned</a> overseas. Under the Vienna Convention on Consular Relations, there are real <a href="https://www.smartraveller.gov.au/consular-services/resources/arrested-jailed-overseas-factsheet">limits to what the Australian consular service can do</a> in these cases. The service will check periodically on the welfare of prisoners overseas, guide them towards local legal representation and monitor their trials. But that’s about it. This applies to foreigners imprisoned in Australia, too. To be sure, there is occasionally a case that is clearly so arbitrary or unjust, our government calls for the release of the individual. This was the case for Sean Turnell, <a href="https://theconversation.com/how-australian-economist-sean-turnell-came-to-be-in-and-freed-from-a-myanmar-jail-195419">who was imprisoned in Myanmar</a> for political reasons until being released last year. But unlike Turnell, most Australian prisoners overseas probably have a case to answer. <h2>Three ways to stay safe</h2> 1) Be informed about where you are going Australians have a responsibility to know what’s happening at their planned destinations. The conflicts in Ukraine and elsewhere have impacted many travellers, as have major weather events and natural disasters. With international flights returning to normality over the last year, DFAT’s COVID repatriation program has largely wound up. Travellers once again need to look to their own resources – or their travel insurance policies – to ensure they get home. The government’s <a href="https://www.smartraveller.gov.au/">Smartraveller</a> website is a reliable source of up-to-date information on everything from emerging health risks to cultural and legal issues in specific countries to the local security situation. They have recently launched a <a href="https://www.smartraveller.gov.au/news-and-updates/sneak-peek-our-new-ad-campaign">fresh advertising campaign</a> in an effort to highlight the importance of avoiding trouble in the first place. 2) Stay in touch with family back home The consular service deals with hundreds of “whereabouts” inquiries each year. And if disaster strikes when you are travelling somewhere, your family and friends will be worried. In each of the major consular disaster responses I was involved in, including the September 11 attacks and the 2002 Bali bombings, there were people who caused their loved ones untold grief by not letting them know they were safe. In my recent book, <a href="https://www.amazon.com.au/Consul-Insider-Australias-Diplomatic-Frontline/dp/0702263494">The Consul</a>, I recount the story of one Australian who worked on an upper floor of the World Trade Center in New York, but took ten days to let his family know he had actually been in London when the attacks took place. 3) Buy good travel insurance If there’s one thing travellers really should do, it’s to take out travel insurance. Most people think about insurance as a way of covering themselves for flight cancellations or for the theft of personal items. But if you get sick or are injured overseas – or even in the case of a death – insurance is critical. The Australian government cannot just step in and pay for a medical evacuation. From my time as consular chief, I know that some Australians were forced to sell their homes to cover their medical costs overseas. People also often find themselves under-insured, or are surprised to learn that certain activities, such as adventure sports, are not covered. Young people are the least likely to take out insurance. <a href="https://insurancecouncil.com.au/resource/aussies-planning-to-travel-more-but-need-to-do-more-travel-planning/">Travel industry surveys</a> indicate about 12% of travellers below the age of 30 do not intend to take out insurance, and the number is higher for those heading to destinations in the developed world regarded as “safe”. It really doesn’t work like that though - hospitalisation in the United States without insurance can mean financial disaster. It doesn’t take much to minimise the risk of difficulties turning into disasters overseas. Image credits: Getty Images This article originally appeared on <a href="https://theconversation.com/travelling-overseas-heres-what-the-embassy-will-and-wont-do-to-help-if-you-get-in-trouble-198589" target="_blank" rel="noopener">The Conversation</a>.

Travel Tips

3 budget-friendly overseas holidays destinations

You don’t have to rob a bank to go on an overseas trip. While you may be pinching pennies for retirement that doesn’t mean that a holiday is out of the question. Jetting off somewhere doesn’t have bleed you dry, actually, there are quite a few spectacular, great-value overseas destinations that allow you stretch your purse strings without making a dent in your savings. Why not consider one of these: Northern Ireland With many affordable guesthouses near Antrim’s seaside Giant’s Causeway and budget flight options, there are many great deals for a holiday in Northern Ireland. Make sure you see Pritzker-winning architect Zaha Hadid's cutting-edge Titanic Belfast museum, which brings fresh life to the dockyard where the doomed cruise liner was built. You’ll also want to make sure you take in the astounding interlocking rock columns of Antrim. India If you travel outside of the tourist favoruties – Mumabi and Delhi – there are many hotels that are reasonably priced if not utterly cheap. And the country has lots of landscape and culture for the buck. If you travel around by train and dine at low-key local places it will not only make you trip more authentic, but your pennies will go further. From lounging on the beaches of Goa to affordable skiing on Himachal Pradesh, there are many budget-friendly options including staying at Rajasthan's former palaces and living like a maharaja for less. Laos With better deals than Thailand, with its natural beauty and friendly locals, Laos is somewhat a majestic destination. With its sleepy riverfront and statue-decorated Buddha Park, Vientiane – the capital of Laos – offers much to be explored that you don’t have to pay for. Observe saffron-robed monks at dawn moving gracefully around the temple-filled holy town of Luang Prabang, or discover dramatic megalithic stone vessels, believed to be funerary urns, in the Plain of Jars. Image credits: Getty Images

International Travel

Dad’s horror at six-year-old’s massive bill

A young boy from Michigan has learned a tasty lesson in money management. Six-year-old Mason Stonehouse had been playing on his dad’s phone when he discovered his soon-to-be favourite app - food delivery service Grubhub. After putting his son to bed, Mason’s father Keith was shocked to find delivery drivers began to frequent their doorstep, one after the other leaving something behind. Keith likened the strange evening to a Saturday Night Live skit, and in doorbell camera footage he could be heard asking one of the drivers “what the hell is going on?” A look at his phone confirmed that Mason had pulled off a parent’s nightmare - the boy had ordered almost $2,000 (AUD) of food from restaurants all across their town. Speaking with TODAY.com, Keith explained that the two were having father and son time in front of the TV when Mason asked to use Keith’s phone. Mason often uses his dad’s phone to play educational games, so Keith thought nothing of it, allowing Mason 30 minutes with the device. Keith recalled how Mason made his way downstairs to play, and went to bed without a fuss when his half hour was up. “A 6-year-old going to bed is not normally an easy thing but he was surprisingly really good,” he said. “There was no fight, no ‘I’m hungry’, or making up stuff to stay up. He just went to bed, and I was like, ‘Wow, this is amazing, I wish Mom was here to witness this’. And all of a sudden I hear the doorbell.” To various news outlets, Keith has mentioned how it was “car after car” that kept “coming and coming” to the family’s home in Chesterfield Township. In his own Facebook post about the incident, he shared Mason’s shopping list, telling his friends “if you’re hungry and you’re in the mood for 5 orders of jumbo shrimp, salad, grape leaves, rice, 3 hanis, several orders of chilli cheese fries, chicken shawarma sandwiches, and plenty of Ice cream - swing on by SMH.” Keith saw Mason’s delectable adventure to an end when his bank declined an order of $635 (AUD) for pepperoni pizza. As he told Good Morning America, this “would’ve been on top of the $1,000 worth of food that was piling in my kitchen.” This wasn’t even Mason’s first order of the evening from the same establishment - Happy’s Pizza for a happy Mason - with a sizable jumbo shrimp delivery already having made it to their doorstep. MLive.com heard from Keith that he tried to speak to Mason about what had happened, but soon discovered that their priorities weren’t exactly aligned, “I was trying to explain to him that this wasn’t good and he puts his hand up and stops me and says, ‘Dad, did the pepperoni pizzas come yet?’” “I had to walk out of the room. I didn’t know if I should get mad or laugh,” he admitted. Whether the entire situation prompted more amusement or exasperation from the Stonehouses, they assured everyone that none of Mason’s bouncy went to waste, with the food going to their neighbours, and their phones well away from Mason’s sneaky shopping. Images: Facebook

Money & Banking

Banksy: who should foot the bill to protect his work in public spaces?

When a mural by artist Banksy <a href="https://www.bbc.co.uk/news/uk-wales-46617742">appeared on a garage wall</a> in Port Talbot, the building’s owner, Ian Lewis, had no idea just <a href="https://www.bbc.co.uk/news/uk-wales-46771722">how many people</a> would want to get a good look at it. The mural has attracted <a href="https://www.bbc.co.uk/news/uk-wales-46759349">thousands of visitors</a> and Lewis has been keen to <a href="https://www.bbc.co.uk/news/uk-wales-46617742">protect it</a>, by employing guards, and building a see-through covering over the work. But should there even be security on a piece of graffiti? After all, <a href="https://hyperallergic.com/38778/occupying-the-walls-graffiti-as-political-protest/">the essence of graffiti</a> is that it is temporary and subject to the possibility of being covered over with the next slogan or image. It has long been one of the means by which people can <a href="https://www.theguardian.com/cities/gallery/2017/may/17/writing-wall-political-graffiti-banksy-brexit-trump-in-pictures">make their views known</a> in a very public way without official sanction. It is a form of protest that visually takes up public space and asks for no endorsement and often no individual credit. The list of graffiti artists who have gained recognition in the contemporary art world is not a long one. Shepherd Fairey, who <a href="https://www.artic.edu/artworks/229396/barack-obama-hope-poster">designed the Obama “Hope” poster</a>, and <a href="https://www.theartstory.org/artist-basquiat-jean-michel.htm">Jean Michel Basquiat</a> are two of the most well known. Banksy himself has been quoted as saying that he never craved commercial success and that it’s actually <a href="https://www.villagevoice.com/2013/10/09/village-voice-exclusive-an-interview-with-banksy-street-art-cult-hero-international-man-of-mystery/">a mark of failure for a graffiti artist</a>. A lofty sentiment, but whether he wants it or not, the popularity of Banksy’s work is phenomenal. The pared down stencil style coupled with often highly astute political commentary and visual puns is easy to read. It is enough to satisfy even those for whom art should consist of a “proper picture of something”. It also lends itself very well to reproduction and copying. I actually have a mug emblazoned with Banksy style rats sitting on my desk as I write. This is what happens when an iconoclast becomes an icon. What started out as a practice that deliberately subverted the concept of art as an exclusive, costly investment, has now become just as commodified as the latest piece by <a href="https://www.theartstory.org/artist-hirst-damien.htm">Damien Hirst</a>. <h2>Banksy’s bankability</h2> I’m personally on the fence about some of Banksy’s more recent work. I’m completely on board with the political nature of the imagery and most definitely share a lot of his ideological sentiments, but there is a degree to which he is becoming a parody of himself. For example, while it’s easy to appreciate the point he was making with the recently auctioned self-destructing drawing “<a href="https://theconversation.com/banksy-i-was-in-the-room-when-his-painting-shredded-and-enhanced-his-brand-104660">Love is in the Bin</a>”, no one could convince me that he was unaware of the effect that the action would have on his bankability. Given he knows the impact his work can have, was it selfish of Banksy to impose this latest piece on the unsuspecting garage owner? Or was it an act of extreme philanthropy, bestowing on Port Talbot a gift that can be used either to benefit the individual or the community? He must have known that Lewis would be plagued with attention, and the inevitability of this imposed cultural responsibility must surely have at least crossed Banksy’s mind. Public art comes in many diverse forms, from the monumental statues commemorating historical figures, to the temporary and often illegal murals created by contemporary graffiti artists. My own practice is informed by an ethos of inclusion that places the nearby community at the centre of decisions about how it is created, themed and managed. Because of that philosophical background, I do find Banksy’s imposition of his work without regard for its effect on the local community to be irritatingly entitled. However, the <a href="https://www.theartstory.org/artist-banksy-artworks.htm">issues he highlights</a> such as the <a href="https://theartstack.com/artist/banksy/i-remember-when-all-this-was-trees">capitalist obsession with growth</a> over sustainability, and <a href="https://www.independent.co.uk/voices/banksy-port-talbot-graffiti-wales-michael-sheen-steel-pollution-environment-a8692821.html">industrial air pollution</a> are relevant and important to a much wider community, so I appreciate that by using his fame to draw attention to them he is carrying out a form of community service. The Welsh government <a href="https://www.walesonline.co.uk/news/wales-news/banksy-collector-willing-pay-six-15656998">has since confirmed</a> it will be taking over security for the Port Talbot artwork, and is discussing the future of the piece. Whether by design or because he just isn’t interested in how the work is used, it’s part of Banksy’s artistic practice to leave the work to the mercy of others when it’s complete. However, it could be argued that he could have used <a href="https://www.artspace.com/magazine/art_101/close_look/how-does-banksy-make-money-or-a-lesson-in-art-market-economics-55352">some of his own money</a> to help protect the work, and mitigate against any grief <a href="https://www.bbc.co.uk/news/uk-wales-46810787">he’s caused the garage owner</a>. I’d personally like to see the work sold, and the proceeds used to address some of the social and political issues that Banksy highlights with his work. It worked for Dennis Stinchcombe who, when a mural entitled Mobile Lovers appeared on the doorway of his Bristol youth club in 2014, sold the work and used the funds <a href="https://www.bbc.co.uk/news/uk-wales-46810787">to save the struggling organisation</a>. Whatever happens now, one thing is certain: Banksy certainly knows how to get his work in the news. Image credits: Getty Images This article originally appeared on <a href="https://theconversation.com/banksy-who-should-foot-the-bill-to-protect-his-work-in-public-spaces-109831" target="_blank" rel="noopener">The Conversation</a>.

Art

8 simple measures to avoid sickness overseas

At best, getting sick overseas is an annoying inconvenience that takes time away from your trip. At worst, the outcomes of falling ill in another country can be potentially disastrous. As with most things in life, when it comes to overseas illnesses prevention is better than the cure, so we’ve put together a list of eight simple measures that will ensure you stay healthy overseas. Before you book anything, it’s a good idea to check this website and see if there are any medical warnings/requirements for your planned destinations. Once you’ve booked accommodation and tickets, you can register your plans to ensure you’re easily accessible in an emergency. To stay healthy when travelling overseas, we recommend you take the following measures: <ol> <li>Visit a travel health specialist, particularly if you’re visiting parts of the world that require vaccinations. These medical professionals can administer the vaccination.</li> <li>Take out travel insurance, which will ensure that you are covered for activities you’re undertaking, as well as any the event of hospital treatment or medical evacuation. </li> <li>Keep your insurance company’s contact details handy, and with you at all times. If they’ve got an emergency assistance card even better. It’s also important to contact the company the second you feel as though you need help. Most travel insurance companies provide 24-hour emergency contact and advice services for travellers signed onto their policies.</li> <li>Consider taking a traveller’s medical kit, which can be filled with useful items such as aspirin, antiseptic, cotton wool, band aids, insect replant and hand sanitiser.</li> <li>Exercising good personal hygiene, as well as a degree of care in regards to what you’re eating and drinking can go a long way to help avoid the dreaded symptoms of gastro.</li> <li>Pack mosquito repellent, and wear clothing items like long-sleeved shirts and long pants to avoid being bitten by mosquitos as they could be carrying some nasty diseases.</li> <li>Avoid contact with dogs, and other animals like monkeys that may be carrying rabies.</li> <li>Get a quick check up, when you return home, particularly if you’ve felt ill when away.</li> </ol> Image credits: Getty Images

Travel Tips

"Is this real?" Family in shock after Kate Winslet pays $30k power bill

Kate Winslet has stepped in to help ease the financial strain on a hard-working family, who are full-time carers for their disabled daughter. Mum-of-four Carolynne Hunter started a <a href="https://www.gofundme.com/f/medical-care-for-freya-amid-the-energycrisis?qid=3ad717b05ab76c3332ad308b4e5d11ae" target="_blank" rel="noopener">GoFundMe</a> page to help pay for her electricity bill after they were warned by the council that their bill – normally already high at £6500 ($A11,500) a year – was going to almost triple to the eye-watering amount of £17,000 ($A30,000). Carolynne said her daughter Freya, 12, has severe cerebral palsy and chronic breathing problems, and relies on the oxygen machine to help her breathe. “Freya has the most beautiful smile,” Ms Hunter wrote in the GoFundMe. She said her daughter was “enriching our lives every day”. With the cost of living crisis reaching catastrophic levels in the UK, the family, who live in a council house in the Scottish town of Tillicoultry, didn’t know how they were going to afford the massive bills. “I have no way of reducing the usage of energy in our home,” the 49-year-old mum wrote. “My older daughter and I have historically lived in fuel poverty to keep Freya safe and comfortable making sure all her medical needs are being met whilst allowing me to keep my bills as low as possible. “We dread every winter in our cold home.” Carolynne got the shock of her life when her GoFundMe page raised the amount of money needed with one donation, with the $30,000 gift coming from "Kate Winslet and Family". The mum told <a title="www.bbc.com" href="https://www.bbc.com/news/uk-scotland-tayside-central-63599369">BBC Scotland</a> she “burst into tears” at the news that the actress had made the huge donation. “Our journey as family has been very traumatic and I just feel done at this point in my life,” she said. “When I heard about the money I just burst into tears – I thought it wasn’t even real. I’m still thinking is this real?” Image credits: GoFundMe / Getty Images

Caring

Five things to do in Dubai

Since recently winning the bid to hold the Expo 2020, Dubai continues to cement it’s position as one of the travel hotspots you should be adding to you to-do list. A thriving metropolis with world-class attractions on its doorstep. Furthermore, the city stretches some 40 kilometers along the coast, a straight up-and-down journey from one place to the next. Taxis are cheap and plentiful and now, with the metro up and running, getting around is all too easy. Offering culture mixed with newfangled architecture and a melting pit of cultures thanks to its large expat population, it’s an experience like no other. A couple of tips for those interested in visiting, Dubai is a Muslim emirate. So while it is relaxed compared to other areas in the UAE, you should be respectful of their ways such as covering up even though it can often be very hot. Covering ones shoulders and wearing trousers or skirt to the knee should be enough. Also, while there is plenty of alcohol to be had, drinking is limited to licensed venues that are housed in hotels. Other than that, there is a lot to explore and amazing things to see in the Arabian city. Enjoy! The Burj buidlings Both the Burj Khalifa  and the Burj Al Arab are sites to behold. The Khalifa is the most amazing of the two. As the tallest structure on the planet, it's impossible to miss from the moment you arrive in Dubai. The opportunity to view the city from the observation deck on the 134th floor is not to be missed – either day or night, the view is truly spectacular. Then the Burj Al Arab is the world’s only seven-star hotel and has been an icon for Dubai for many years now. From the aquariums that flank the escalator to the underwater seafood restaurant or the exotic glass elevator, it is all eye candy for new visitors. Definitely stop in for high tea or cocktails in the Skyview Bar, but book at least a week in advance. The Dubai Mall    You’ve likely heard of the infamous shopping in Dubai and until you experience Dubai Mall, you won't really understand the scale of its amazement. It is simply huge, with something for everyone inside. The shopping and eating are almost a side attraction. With a 22-screen cinema; an indoor theme park, called Sega World; a world for children, called Kidzania; a giant Aquarium with an underwater zoo; and a full-sized ice rink you, will want for little. Just be sure to be wearing comfortable shoes. To top it all off is the Dubai Fountain, which has shows – set to music – every evening at 6. Walk down Jumeirah Beach Walk Locally known as JBR, it is the largest single-phase residential construction in the world. Made up of 36 towers dotted along the beach front in Dubai Marina, JBR is a lovely, wide promenade flanked on one side by shops, cafes and restaurants and on the other by a single-lane road. This is the ideal spot to enjoy a leisurely meal while people and car watching. You’re guaranteed to see some jaw-dropping sites such as a gold-plated Porsche Cayenne, a two-tone Ferrari or a monkey or cheetah hanging out a local’s car window as they drive by. Desert safari Be sure to book in a desert safari. There are many carriers you can choose from, but most include a camel ride, four-wheel driving and a traditional Arabic BBQ in the desert complete with belly dancers. Arabian Adventures is known to be one of the best to book with. Souk it up   Whatever you do, don’t leave Dubai without visiting at least one souk. Some of the better ones include the Old Souk for textiles and materials, The Gold Souk for some great deals on gold and the Meena Bazaar. Walking through the souks offers a real chance to soak up the Arabic culture, shop like a local and come home with some fabulous Middle Eastern treasures. Image: Getty Images

International Travel

7 tricks to use less phone data – and lower your phone bill

Turn off background app refresh <img src="https://oversixtydev.blob.core.windows.net/media/2022/10/01-background-simple-ways-use-less-data-770.jpg" alt="" width="770" height="514" /> When this feature is enabled, your apps are constantly refreshing so that they can show you the most recent content when opened. This includes email synching, weather widgets updating, and feeds refreshing. For the iPhone: Turn off the background app refresh by going to Settings > General > Background App Refresh. For Android: Go to Settings > Data Usage > Restrict app background data. This will allow you to turn the feature off for all apps or you can pick and choose which ones you want to turn off. Disable apps that use a lot of data <img src="https://oversixtydev.blob.core.windows.net/media/2022/10/02-disable-simple-ways-use-less-data-770.jpg" alt="" width="770" height="514" /> There are certain apps that use more data than others, whether you use them frequently or not. For ones that you don’t use often, turn off cellular data. For the iPhone: Go to Settings > Cellular > then under “Use Cellular Data For” switch certain apps to off. Turn off app updates <img src="https://oversixtydev.blob.core.windows.net/media/2022/10/03-updates-simple-ways-use-less-data-770.jpg" alt="" width="770" height="514" /> If your apps update automatically your phone will start the download whether you are connected to Wi-Fi or not. To turn this off on an iPhone, go to Settings > iTunes & App Stores > turn off Use Cellular Data. For an Android, go to Settings > under General click Auto-update apps > Auto-update apps over Wi-Fi only. Then, your apps will only update when you are connected to Wi-Fi. Turn off Wi-Fi assist <img src="https://oversixtydev.blob.core.windows.net/media/2022/10/04-wifi-simple-ways-use-less-data-770.jpg" alt="" width="770" height="514" /> Wi-Fi assist automatically uses your cellular data when the Wi-Fi signal is poor. To disable Wi-Fi assist for an iPhone go to Settings > Cellular > turn off Wi-Fi Assist. Turn off iCloud drive <img src="https://oversixtydev.blob.core.windows.net/media/2022/10/05-icloud-simple-ways-use-less-data-770.jpg" alt="" width="770" height="514" /> When iCloud is enabled it is constantly moving documents in and out of the cloud. Use less cell phone data by turning iCloud off. To do this on the iPhone got to Settings > iCloud > turn off iCloud Drive. Download music <img src="https://oversixtydev.blob.core.windows.net/media/2022/10/06-download-simple-ways-use-less-data-770.jpg" alt="" width="770" height="514" /> When you are on the go, streaming music, podcasts, or videos can really eat away at your data. Both the iPhone and Android phones let you restrict these apps to Wi-Fi only. Turning this setting on will force you to download them when connected to a Wi-Fi network and then allow for data free listening on the move. Turn off cellular data completely <img src="https://oversixtydev.blob.core.windows.net/media/2022/10/07-turn-simple-ways-use-less-data-770.jpg" alt="" width="770" height="514" /> If you know that you are about to reach you data limit or are saving it for the road trip you have coming up, you can simply turn off cellular data. This way, no data will be used, and certain apps will only work if you are connected to a Wi-Fi network. Written by Morgan Cutolo. This article first appeared in <a href="https://www.readersdigest.co.nz/culture/7-tricks-to-use-less-phone-data-and-lower-your-phone-bill" target="_blank" rel="noopener">Reader’s Digest</a>. For more of what you love from the world’s best-loved magazine, <a href="http://readersdigest.innovations.co.nz/c/readersdigestemailsubscribe?utm_source=over60&utm_medium=articles&utm_campaign=RDSUB&keycode=WRA87V" target="_blank" rel="noopener">here’s our best subscription offer.</a> Images: NICOLE FORNABAIO/RD.COM

Technology

Simple tricks to reduce your winter energy bills

It’s that time of the year when the temperature drops and your energy bills start to go in the opposite direction – up! Stay warm and reduce your bills with these simple tricks to help you save energy. Winter is a time when we love to hibernate at home and stay toasty warm but the impact this can have on the electricity bill can be enormous. Having said that, it’s possible to stay warm and reduce the chill on your hip pocket with smart ways of keeping your home and yourself warm during winter. Rug up An easy way to save electricity and stay warm in winter is to put on suitable clothing. A big woolly jumper, warm pants and indoor slippers are not only comfortable for relaxing around the home, they’ll also keep you toasty warm. While you don’t have to resort to wearing a big coat or jacket inside your own home, it’s a good idea to put on an extra couple of layers and save having to switch on the heater. However, don’t endure being cold for the sake of not putting on your heater. Find what works for you, as long you’re comfortable and warm. Seal your home Chilly draughts from poorly sealed windows and doors can be both a nuisance and account for a big percentage of heat loss from naturally insulated rooms or the heater. Keep the heat inside by sealing any gaps and cracks in external walls, floors and the ceiling. You can seal external doors with draught stoppers or those classic door snakes at the bottom of doors, and install weather stripping around the frames. Load up on blankets Who needs an electric blanket when you can add any number of layers to your bed? It can be duvets, doonas, quilts and comforters, just keep layering until your bed is a warm haven. A good tip is when you’re about to go to bed, to get the same instant warmness as an electric blanket, heat a hot water bottle and pop it between the sheets. While it won’t heat the entire bed evenly, it can make the bed feel warmer while your body adjusts to the enclosed space. Let the sun in Winter can sometimes offer up a surprise in the form of a clear blue sky and some warming sunlight. When it does, open up the windows and doors (if there’s no cool breeze) and allow the natural rays to heat your home naturally. Shop around for energy providers This is the best way to make sure you’re getting a good deal on your energy usage. Depending on what state you live in, you should be able to find a range of energy retailers offering competitive prices for their services. Image: Getty Images

Money & Banking

Do you need travel insurance for domestic trips?

When adding up your travel budget, insurance can seem like an unnecessary extra that you never really use – especially on a domestic trip. But before you dismiss the idea, here are a few reasons why you should insure every trip. 1. You’ve booked your tickets, packed your bags and bought your sunscreen – then disaster strikes. There can be any number of reasons that you need to cancel a trip: a close family member gets sick, you have an accident, a cyclone hits the resort you’re staying at or your employer cancels your leave. Travel insurance will cover the out of pocket costs associated with cancelling flights, rental cars or accommodation. It can also cover any additional expenses that you incur if an airline cancels your flights. 2. Theft doesn’t just happen overseas and insurance will cover you for any of your property – and, sometimes, cash – stolen while you’re travelling. It can also cover items that are lost or accidentally damaged during your trip. 3. No one thinks they will injure another party or cause damage to property while they’re travelling, but it happens. If you’re at fault you could be sued and damages can run into the millions. Travel insurance generally includes coverage for personal liability, which covers you for legal expenses and compensation you may be required to pay to the other party. 4. If you travel a few times a year, purchasing an annual policy makes domestic insurance really cheap. Because you are covered by Medicare premiums are much lower than international policies. For only around $200 a year you can have full coverage around the country – and that’s less than the cost of one night in a hotel because of a delay. Image: Shutterstock

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7 tricks to use less phone data – and lower your phone bill

Simple tricks to reduce your winter energy bills

Do you need travel insurance for domestic trips?