Placeholder Content Image

Holiday budgeting tips for over-60s: Expert advice for a stress-free season

<div> <p>The festive season is a time for joy, but it can sometimes also bring a little extra financial stress. With the rising cost of essentials, many Aussies in retirement might be feeling the pinch. And it’s not your imagination – recent <a title="https://protect.checkpoint.com/v2/___https:/nam02.safelinks.protection.outlook.com/?url=https%3A%2F%2Fwww.superannuation.asn.au%2Fmedia-release%2Frising-insurance-premiums-add-strain-to-retirees-finances-says-super-peak-body%2F*23%3A~%3Atext%3DThe%2520latest%2520figures%2520from%2520ASFA%2Cover%2520the%2520last%252012%2520months.&amp;data=05%7C02%7Cdardisa%40we-worldwide.com%7C3306a1dfb9de4e30dd3b08dcfecff5e5%7C3ed60ab455674971a5341a5f0f7cc7f5%7C0%7C0%7C638665416381860501%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C0%7C%7C%7C&amp;sdata=3ePPI8b1SEXOATgcY6vYWJRi8gBzZHv0jM1dgqkIoUI%3D&amp;reserved=0___.YzJ1OndlY29tbXVuaWNhdGlvbnM6YzpvOmMyMDk4YTI2ZGE5OWUzY2FhZWQ2Nzc5ZTg1YWM0OGJiOjY6YjM1NDo4YTdiNGQ5MTcwZjBhYzgwNzI4ZDVmYTlhNTA0OWVhYThkZTU0NWJhN2FhZDgzZGQ2MGQ1ZjZiYWU5MTc3MGI1OnA6VDpG" href="https://protect.checkpoint.com/v2/___https:/nam02.safelinks.protection.outlook.com/?url=https%3A%2F%2Fwww.superannuation.asn.au%2Fmedia-release%2Frising-insurance-premiums-add-strain-to-retirees-finances-says-super-peak-body%2F*23%3A~%3Atext%3DThe%2520latest%2520figures%2520from%2520ASFA%2Cover%2520the%2520last%252012%2520months.&amp;data=05%7C02%7Cdardisa%40we-worldwide.com%7C3306a1dfb9de4e30dd3b08dcfecff5e5%7C3ed60ab455674971a5341a5f0f7cc7f5%7C0%7C0%7C638665416381860501%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C0%7C%7C%7C&amp;sdata=3ePPI8b1SEXOATgcY6vYWJRi8gBzZHv0jM1dgqkIoUI%3D&amp;reserved=0___.YzJ1OndlY29tbXVuaWNhdGlvbnM6YzpvOmMyMDk4YTI2ZGE5OWUzY2FhZWQ2Nzc5ZTg1YWM0OGJiOjY6YjM1NDo4YTdiNGQ5MTcwZjBhYzgwNzI4ZDVmYTlhNTA0OWVhYThkZTU0NWJhN2FhZDgzZGQ2MGQ1ZjZiYWU5MTc3MGI1OnA6VDpG" data-auth="Verified" data-outlook-id="1a0a0a08-2e36-4601-a0a3-f9c8bb379afe">data</a> from the Association of Superannuation Funds of Australia (ASFA) reveals that the cost of maintaining a comfortable retirement has increased by 3.7% in the last year. For those in retirement, managing holiday spending can help ensure a stress-free festive season. </p> </div> <div> <p>Toby Perkins, a Certified Financial Planner® at industry superfund NGS Super, shares his helpful tips to ensure retirees manage their budgets during the holidays.</p> </div> <p><strong>1. Avoid personal debt</strong></p> <div> <p>Credit cards and overdrafts may seem like quick solutions, but they often lead to high-interest debt. "If you need extra funds for the festive season, it might be worth considering options like your superannuation income stream instead," advises Toby. Avoiding extra debt may help you to maintain your financial stability in the long run and help set you up for a stress-free Christmas next year. </p> </div> <p><strong>2. Plan ahead: Budget for the entire year</strong></p> <div> <p>Although it may be too late to adjust your budget for this holiday season, now is a good time to start planning for next Christmas. "Incorporating holiday spending into an annual budget can prevent financial strain in December," Toby suggests. By tracking your expenses throughout the year, you can identify potential savings and plan for any extra costs, such as gifts and travel.</p> </div> <p><strong>3. Review government entitlements</strong></p> <div> <p>It’s important for you to ensure you are receiving the correct government entitlements. "If you’re receiving the Age Pension, make sure all your details are up to date," Toby advises. Even if you're not eligible for the Age Pension, you may qualify for the Commonwealth Seniors Health Card or state-based Seniors Cards, which can help reduce costs on health care, transport, and other services. For more information, visit <a title="https://protect.checkpoint.com/v2/___https:/www.servicesaustralia.gov.au/most-useful-information-for-retirement-years___.YzJ1OndlY29tbXVuaWNhdGlvbnM6YzpvOmMyMDk4YTI2ZGE5OWUzY2FhZWQ2Nzc5ZTg1YWM0OGJiOjY6Y2YwMTo3YWJkZWYyYTY5NjAwZTQ5YjczNWQwMGY2ZjZmN2RhNzY5MzJjYWJkMmYyNWM5ZTkzODg4NTJlZDc3MmIwZGI1OnA6VDpG" href="https://protect.checkpoint.com/v2/___https:/www.servicesaustralia.gov.au/most-useful-information-for-retirement-years___.YzJ1OndlY29tbXVuaWNhdGlvbnM6YzpvOmMyMDk4YTI2ZGE5OWUzY2FhZWQ2Nzc5ZTg1YWM0OGJiOjY6Y2YwMTo3YWJkZWYyYTY5NjAwZTQ5YjczNWQwMGY2ZjZmN2RhNzY5MzJjYWJkMmYyNWM5ZTkzODg4NTJlZDc3MmIwZGI1OnA6VDpG" data-auth="Verified" data-outlook-id="0b03c4dc-e32a-4f0f-adaf-6d20058cd703">the Services Australia website.</a></p> </div> <p><strong>4. Stay vigilant about financial security</strong></p> <div> <p>There are two reasons to closely track your spending throughout the holiday season: 1. To ensure you stay within budget, and 2. To ensure you don't fall victim to financial scams. The holiday season can be a prime time for financial scams, so be cautious when making purchases online.</p> </div> <p><strong>5. Prepare for post-holiday financial health</strong></p> <div> <p>After the holidays, plan to set aside some money for future expenses or to replenish your savings. A bit of post-holiday planning will help you avoid financial stress in the months ahead - and even get you set up for next Christmas.</p> </div> <p><strong>6. Travel smart: Plan off-peak</strong></p> <div> <p>Travel can be one of the biggest holiday expenses, especially if it coincides with peak Christmas and school holiday periods. Toby recommends traveling outside of these busy times to save money. "Off-peak travel can significantly reduce costs and make your holiday dollar stretch further," he says. Consider planning trips in advance to secure better deals.</p> </div> <div> <p>Planning ahead, managing debt, and reviewing entitlements can help you enjoy the festive season without financial stress. As Toby puts it, "Smart budgeting today helps ensure a more comfortable retirement tomorrow."</p> </div> <div> <p><em><strong>For those seeking personalised advice, NGS Super’s team of financial planners is here to help guide you to a secure and joyful future. Read the <a title="https://protect.checkpoint.com/v2/r01/___https://protect.checkpoint.com/v2/___https:/www.ngssuper.com.au/files/documents/financial-services-guide.pdf___.YzJ1OndlY29tbXVuaWNhdGlvbnM6YzpvOmMyMDk4YTI2ZGE5OWUzY2FhZWQ2Nzc5ZTg1YWM0OGJiOjY6MDk5ZToxNWJlNDQ0ODUwMWZmYzczYmUzZDY5N2NkNWFmY2M4ZTM0M2I5ZDQyNTI5ZGIwNjdjMDUxZDViY2E1YWRmYWFhOnA6VDpGHYPERLINK___.YzJ1OndlY29tbXVuaWNhdGlvbnM6YzpvOmM0OTdjMzdkZjcxOGIxNDQxYjdiMzQxMzA0NTcyMzc4Ojc6ZDgzMDowMTA3N2IxNTZmN2JhZDAzOTM5MDc4ODZjM2Y4NTUzYTkwNWE4ZDAxYmJhMmIxMTc0OWZjNjhmNmM5ODNlNzYyOmg6VDpG" href="https://protect.checkpoint.com/v2/r01/___https://protect.checkpoint.com/v2/___https:/www.ngssuper.com.au/files/documents/financial-services-guide.pdf___.YzJ1OndlY29tbXVuaWNhdGlvbnM6YzpvOmMyMDk4YTI2ZGE5OWUzY2FhZWQ2Nzc5ZTg1YWM0OGJiOjY6MDk5ZToxNWJlNDQ0ODUwMWZmYzczYmUzZDY5N2NkNWFmY2M4ZTM0M2I5ZDQyNTI5ZGIwNjdjMDUxZDViY2E1YWRmYWFhOnA6VDpGHYPERLINK___.YzJ1OndlY29tbXVuaWNhdGlvbnM6YzpvOmM0OTdjMzdkZjcxOGIxNDQxYjdiMzQxMzA0NTcyMzc4Ojc6ZDgzMDowMTA3N2IxNTZmN2JhZDAzOTM5MDc4ODZjM2Y4NTUzYTkwNWE4ZDAxYmJhMmIxMTc0OWZjNjhmNmM5ODNlNzYyOmg6VDpG" data-auth="Verified" data-outlook-id="c4bb4623-ec0a-4e3a-a747-7bf0d2f5659b">NGS Financial Planning Financial Services Guide</a>.</strong></em></p> </div> <div> <p><em><strong>For further information, visit NGS Super’s <a title="https://protect.checkpoint.com/v2/___https:/www.ngssuper.com.au/articles/news/whats-foro-what-can-you-do-about-it___.YzJ1OndlY29tbXVuaWNhdGlvbnM6YzpvOmMyMDk4YTI2ZGE5OWUzY2FhZWQ2Nzc5ZTg1YWM0OGJiOjY6YzlhNDphZGM4Y2Q1YTFlZmQyNjExMGQ4ZDJmYWM3Y2IyOWMxM2FiNjE2MDMwMDc3YjA5ODE5OTY0NjQyYmZkNWE2NGM1OnA6VDpG" href="https://protect.checkpoint.com/v2/___https:/www.ngssuper.com.au/articles/news/whats-foro-what-can-you-do-about-it___.YzJ1OndlY29tbXVuaWNhdGlvbnM6YzpvOmMyMDk4YTI2ZGE5OWUzY2FhZWQ2Nzc5ZTg1YWM0OGJiOjY6YzlhNDphZGM4Y2Q1YTFlZmQyNjExMGQ4ZDJmYWM3Y2IyOWMxM2FiNjE2MDMwMDc3YjA5ODE5OTY0NjQyYmZkNWE2NGM1OnA6VDpG" data-auth="Verified" data-outlook-id="7c65864b-3f33-43bc-9037-cc1e7ca1acc0">website</a>.</strong></em></p> </div> <div> <p><em><strong>Toby Perkins is authorised to provide financial advice in Australia and is an Authorised Representative (Number 1002908) of Guideway Financial Services Pty Ltd, AFSL Number 420367. Any advice given in this article is general and does not consider your financial situation, needs or objectives so consider whether it is appropriate for you. Be sure to read the relevant PDS and TMD </strong><strong>before deciding whether a financial product is right for you.</strong></em></p> <p><em><strong>Image credits: Shutterstock  </strong></em></p> </div>

Travel Tips

Placeholder Content Image

"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

Placeholder Content Image

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

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

Travel Tips

Placeholder Content Image

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

Placeholder Content Image

Hollywood icon reveals plans for retirement

<p>Denzel Washington has revealed that he is going to retire after his next batch of films. </p> <p>The Hollywood icon appeared via videolink on Tuesday’s episode of the <em>Today Show</em>, alongside his co-stars to promote his new film <em>Gladiator II</em>.</p> <p>“I don’t know how many more films I’m going to make. Probably not that many,” the actor, who turns 70 next month, told <em>Today</em> host Richard Wilkins. </p> <p>“I want to do things I haven’t done. I’ve played Othello at 22, I’m about to play Othello at 70,” he said.</p> <p>Denzel will play the role in the Shakespeare play on Broadway alongside Jake Gyllenhaal from February next year.</p> <p>“After that I’m playing Hannibal. After that I’ve been talking with Steve McQueen about a film. After that Ryan Coogler’s writing a part for me in the next <em>Black Panther.</em>”</p> <p>He added, “After that I’m going to do the film Othello. After that I’m going to do King Lear. After that I’m going to retire.”</p> <p>Based on the interview, the actor has six upcoming projects across stage and film, so fans will still get to enjoy a few more of his roles before he retires, following a career that has spanned almost 50 years. </p> <p>Speaking to <em>news.com.au</em>, the actor offered some insight into why he is planning to retire, saying that there are “less and less challenges”, after previously revealing that at this point in his career, there are very few roles he is willing to take. </p> <p><em>Image: Masatoshi Okauchi/ Shutterstock Editorial</em></p> <p> </p>

TV

Placeholder Content Image

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

Placeholder Content Image

Baggage handler calls out crucial mistake at bag-drop

<p dir="ltr">A ramp agent for a major airline has revealed one crucial mistake that many people make when checking their luggage before they fly. </p> <p dir="ltr">Sharing all the details of the little-known trick on a lengthy Reddit thread, the baggage handler, who has years of experience working with American Airlines, noted an extra step that many people miss to ensure the safe arrival of their bags. </p> <p dir="ltr">"Your bag tag has three 'bingo' stickers with your itinerary on them. Take one off and stick it on your suitcase," the airline worker shared.</p> <p dir="ltr">"This way, even if the bag tag gets torn off at some point, we can still get it to its destination."</p> <p dir="ltr">The stickers look like small barcodes at the very end of the long luggage tag and can simply be pulled off and placed anywhere else on the suitcase.</p> <p dir="ltr">It can also be a good idea to keep one of these small tickets with you, whether on your boarding pass (in an area that doesn’t restrict important information), or simply on an old receipt. </p> <p dir="ltr">That way if your luggage unfortunately goes missing, you have the right barcode and number for your bags to be easily located, wherever they may be. </p> <p dir="ltr">Another thing the baggage handler mentions is the location of the luggage tag. </p> <p dir="ltr">While many signs indicate it should be placed around the side handle (if your case has one), the staff member suggests the top handle is better.</p> <p dir="ltr">"Having the tag on the top handle, which is the one that faces outward on the cart, makes it more likely for mistakes to be caught," he points out.</p> <p dir="ltr"><em>Image credits: Shutterstock</em></p>

Travel Tips

Placeholder Content Image

Former pilot shares tips for fighting jet lag

<p dir="ltr">A former pilot has shared his fool-proof tips for beating jet lag when you’re flying to the other side of the world. </p> <p dir="ltr">As an ex-airline pilot, Jeremy Burfoot knows a thing or two about dealing with dreaded jet lag. </p> <p dir="ltr">After his years flying Qantas planes to every corner of the globe, Captain Burfoot has revealed to <em><a href="https://travel.nine.com.au/latest/how-to-beat-jet-lag-ex-airline-pilot-shares-hack-for-flights-to-europe/656b0602-9cd2-4923-b3b4-1310a2613235">9Travel</a></em> the unique way he would combat the condition while he was working.  </p> <p dir="ltr">"I used to try and stay in a time zone of where I was living," he told <em>9Travel</em>. "So I went to London, I would just sleep during the day and go out at night."</p> <p dir="ltr">However, for those who need to be up during usual hours, he advised trying to avoid one thing.</p> <p dir="ltr">"The first day you get there, spend all day in the sun, in the daylight," he says. "Resist having an afternoon nap so you're really tired when you go to bed."</p> <p dir="ltr">Captain Burfoot went on to share his hacks for anyone flying from Australia or New Zealand to Europe, which can be some of the most gruelling flight paths in the world. </p> <p dir="ltr">"If I was planning to go to Europe, I would try to split it into two, try to fly both of the days in the daylight," he said.</p> <p dir="ltr">"You'd want to be on a flight to Singapore out of Australia that leaves in the morning, so you're basically doing a daylight flight to Singapore, then you have an overnight, eat some curry or something.”</p> <p dir="ltr">"And the next day catch a daylight flight to Europe. So it doesn't actually feel like you're up in the middle of the night."</p> <p dir="ltr"><em>Image credits: Captain Jeremy Burfoot</em></p>

Travel Tips

Placeholder Content Image

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

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

Retirement Life

Placeholder Content Image

Baggage handler reveals the best kind of luggage to travel with

<p dir="ltr">A baggage handler has revealed the best kind of suitcase you should travel with when travelling by plane.</p> <p dir="ltr">With years of experience loading planes with thousands of kinds of suitcases, a ramp agent for American Airlines has spilled the secrets on why some kinds of luggage are better than others. </p> <p dir="ltr">The worker said that while many people may gravitate towards hard-shell suitcases for extra protection, they are not the best for air travel. </p> <p dir="ltr">"Avoid plastic hard shell suitcases," the airline worker revealed on Reddit. "These are incredibly slick and prone to sliding off the bag cart while turning - taking everything on top of it with it."</p> <p dir="ltr">Instead, cloth suitcases have more friction and are "more likely to stay where we put them."</p> <p dir="ltr">He also said these days, four wheels on a suitcase is an absolute must as opposed to ones that glide on just two wheels.</p> <p dir="ltr">"If your bag has four wheels, it can simply be rolled along the floor. If it does not, it will be thrown. We don't try to slam it into anything, but it's still going to drop about 2ft (6m) over the course of its 'flight'," the crew member shared.</p> <p dir="ltr">Another thing to consider when buying your next suitcase is finding one that has handles on the side as it gives baggage handlers "far more control" over the luggage.</p> <p dir="ltr">"It's easier to get a grip with an actual handle than by grabbing a wheel," he added.</p> <p dir="ltr">The worker also said using a big bag for no reason is only going to cause the bag to collapse once it is stacked and cause a "baggage avalanche", with the same going for bags that are not "normally shaped" suitcases.</p> <p dir="ltr"><em>Image credits: Shutterstock</em></p>

Travel Tips

Placeholder Content Image

Readers response: What’s your top travel tip for staying comfortable on long journeys?

<p>When it comes to a long travel day, getting comfortable can often be a mammoth task. </p> <p>We asked our readers to share their favourite tips and tricks to stay comfy on a long haul flight, car ride or train journey, and the response was overwhelming. Here's what they said.</p> <p><strong>Amy Cardino</strong> - Long-haul journeys (to me longer than 8hrs), you need to save up or upgrade your ticket if you have mileage benefits, into business class. </p> <p><strong>Ester Cibasek</strong> - My own blowup pillow and blanket (long enough to cover my head), noise reducing ear phones and keep my eyes closed so I dose in and out of sleep all the way.</p> <p><strong>Valerie Keily</strong> - A neck pillow is essential and an eye shade. Keep hydrated and remember to move around if possible.</p> <p><strong>Di Richardson</strong> - Memory neck pillow. Recovery sleeves on my calves. One departure drink then limit alcohol or coffee. Window seat and sleep when possible. Bliss.</p> <p><strong>Anita Thornton</strong> - Go business class. </p> <p><strong>Chrissie Martini</strong> - Break the journey by staying overnight in a hotel. Takes longer to get there but you practically eliminate jet lag and the worry of DVTs. On the way to Europe, two overnight stops helps me.</p> <p><strong>Lyn Goodman</strong> - Keep warm and wear loose fitting clothes.</p> <p><strong>June Debono</strong> - Stretch jeans and socks (as well as other clothes of course). Plus, eye shade and ear plugs.</p> <p><strong>Ingrid Plueckhahn</strong> - Take a good book, break up the journey with a fave movie, and just get in the zone and relax. It’s just a day!</p> <p><em>Image credits: Shutterstock </em></p>

Travel Tips

Placeholder Content Image

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

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

Travel Tips

Placeholder Content Image

Retiring early can be bad for the brain

<p><em><a href="https://theconversation.com/profiles/plamen-v-nikolov-1112610">Plamen V Nikolov</a>, <a href="https://theconversation.com/institutions/binghamton-university-state-university-of-new-york-2252">Binghamton University, State University of New York</a></em></p> <p><em>The <a href="https://theconversation.com/us/topics/research-brief-83231">Research Brief</a> is a short take about interesting academic work.</em></p> <h2>The big idea</h2> <p>People who retire early suffer from accelerated cognitive decline and may even encounter early onset of dementia, according to a I conducted with my doctoral student <a href="https://sites.google.com/binghamton.edu/alan-adelman/home">Alan Adelman</a>.</p> <p>To establish that finding, we examined the effects of a rural pension program China introduced in 2009 that provided people who participated with a stable income if they stopped working after the official retirement age of 60. We found that people who participated in the program and retired within one or two years experienced a cognitive decline equivalent to a drop in general intelligence of 1.7% relative to the general population. This drop is equivalent to about three IQ points and could make it harder for someone to <a href="https://doi.org/10.1017/S0033291700008412">adhere to a medication schedule</a> or <a href="https://doi.org/10.1111/j.1475-%205890.2007.00052.x">conduct financial planning</a>. The largest negative effect was in what is called “delayed recall,” which measures a person’s ability to remember something mentioned several minutes ago. Neurological research <a href="https://doi.org/10.1001/archneur.1991.00530150046016">links problems in this area to an early onset of dementia</a>.</p> <h2>Why it matters</h2> <p>Cognitive decline refers to when a person has trouble remembering, learning new things, concentrating or making decisions that affect their everyday life. Although some cognitive decline appears to be an inevitable byproduct of aging, faster decline can have profound adverse consequences on one’s life.</p> <p>Better understanding of the causes of this has powerful financial consequences. Cognitive skills – the mental processes of gathering and processing information to solve problems, adapt to situations and learn from experiences – are crucial for decision-making. They influence an individual’s ability to process information and <a href="https://www.jstor.org/stable/1818642">are connected to higher earnings</a> and a <a href="https://www.doi.org/10.1257/jep.25.1.159">better quality of life</a>.</p> <p>Retiring early and working less or not at all can generate large benefits, such as reduced stress, better diets and more sleep. But as we found, it also has unintended adverse effects, like fewer social activities and less time spent challenging the mind, that far outweighed the positives.</p> <p>While retirement schemes like the 401(k) and similar programs in other countries <a href="https://www.doi.org/10.1023/B:PUCH.0000035859.20258.e0">are typically introduced to ensure the welfare of aging adults</a>, our research suggests they need to be designed carefully to avoid unintended and significant adverse consequences. When people consider retirement, they should weigh the benefits with the significant downsides of a sudden lack of mental activity. A good way to ameliorate these effects is to stay engaged in social activities and continue to use your brains in the same way you did when you were working.</p> <p>In short, we show that if you rest, you rust.</p> <h2>What still isn’t known</h2> <p>Because we are using data and a program in China, the mechanisms of how retirement induces cognitive decline could be context-specific and may not necessarily apply to people in other countries. For example, cultural differences or other policies that can provide support to individuals in old age can buffer some of the negative effects that we see in rural China due to the increase in social isolation and reduced mental activities.</p> <p>Therefore, we can not definitively say that the findings will extrapolate to other countries. We are looking for data from other countries’ retirement programs, such as India’s, to see if the effects are similar or how they are different.</p> <h2>How I do my research</h2> <p>A big focus of the <a href="https://scholar.harvard.edu/pnikolov/my-research-group-1">economics research lab</a> I run is to <a href="http://www.nber.org/%7Enikolovp/research.html">better understand</a> the causes and consequences of changes in what economists call <a href="https://www.britannica.com/topic/human-capital">“human capital”</a> – especially cognitive skills – in the context of developing countries.</p> <p>Our lab’s mission is to generate research to inform economic policies and empower individuals in low-income countries to rise out of poverty. One of the main ways we do this is through the use of randomized controlled trials to measure the impact of a particular intervention, such as retiring early or access to microcredit, on education outcomes, productivity and health decisions.</p> <p><a href="https://theconversation.com/profiles/plamen-v-nikolov-1112610"><em>Plamen V Nikolov</em></a><em>, Assistant Professor of Economics, <a href="https://theconversation.com/institutions/binghamton-university-state-university-of-new-york-2252">Binghamton University, State University of New York</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/retiring-early-can-be-bad-for-the-brain-145603">original article</a>.</em></p>

Mind

Placeholder Content Image

Readers response: What’s the best travel advice you’ve ever received?

<p>When planning a holiday, it's not unlikely to receive travel advice from others who have explored the world. </p> <p>We asked our readers to share the best travel advice they have ever received, and the response was overwhelming. Here's what they said.</p> <p><strong>Liz Mendygral</strong> - You must have travel insurance.</p> <p><strong>Nancy Rogers</strong> - Travel light and clever.</p> <p><strong>Anne Denise Houghton</strong> - If you are in a different country and see something you would really like to do, do it then as tomorrow you may miss the opportunity!</p> <p><strong>Deedee Cullum</strong> - Get off the beaten tourist track and meet the real people.</p> <p><strong>Karen Ambrose</strong> - When crossing the road in busy Vietnam cities, keep walking and the traffic will go around you. DON'T STOP!</p> <p><strong>Fran Cresswell</strong> - Pack what you think you will need then take out half of it!!</p> <p><strong>Bill King</strong> - Respect the customs of the country you are visiting.</p> <p><strong>Lorraine Kirkwood</strong> - Pack a spare set of clothes and Pjs in your cabin luggage. When your suitcases get lost you are ok.</p> <p><strong>Chris Walker</strong> - Go while you can.</p> <p><strong>Terry Dolman </strong>- Book your flight way ahead. Saves mega $$.</p> <p><strong>Denise Sutherland</strong> - Where your passport is concerned NEVER BEHAVE BADLY, save that for your backyard.</p> <p><em>Image credits: Shutterstock</em></p>

Travel Tips

Placeholder Content Image

Eight simple changes to our neighbourhoods can help us age well

<p><em><a href="https://theconversation.com/profiles/jerome-n-rachele-251972">Jerome N Rachele</a>, <a href="https://theconversation.com/institutions/australian-catholic-university-747">Australian Catholic University</a>; <a href="https://theconversation.com/profiles/james-f-sallis-407885">James F Sallis</a>, <a href="https://theconversation.com/institutions/university-of-california-san-diego-1314">University of California, San Diego</a>, and <a href="https://theconversation.com/profiles/venurs-loh-118864">Venurs Loh</a>, <a href="https://theconversation.com/institutions/australian-catholic-university-747">Australian Catholic University</a></em></p> <p>Where we live can play a big part in ageing well, largely because of the links between physical activity and wellbeing. <a href="https://www.ahuri.edu.au/__data/assets/pdf_file/0012/2181/AHURI_Final_Report_No214_Downsizing-amongst-older-Australians.pdf">Research shows</a> that two-thirds of Australians prefer to age in place. That is, we want to live independently in our homes for as long as we can. Our neighbourhoods and their design can then improve or hinder our ability to get out of the house and be physically active.</p> <p>The rapid ageing of Australia’s population only adds to the importance of neighbourhood design. In 2016, 15% of Australians were aged 65 or older. That proportion is <a href="https://www.aihw.gov.au/reports-statistics/population-groups/older-people/overview">projected to double</a> by 2056.</p> <p>These trends present several <a href="https://www.aihw.gov.au/reports-statistics/population-groups/older-people/reports">social and economic challenges</a>, particularly for the health sector. Designing neighbourhoods in ways that promote physical activity can help overcome these challenges.</p> <h2>Eight simple steps</h2> <p>The following is a short list of <a href="https://ijbnpa.biomedcentral.com/articles/10.1186/s12966-017-0471-5">evidence-based steps</a> local and state governments can take to assist older people to be physically active. These involve minor but effective changes to neighbourhood design.</p> <p><strong>Improve footpaths:</strong> Research indicates that older people have a <a href="https://theconversation.com/why-older-people-get-osteoporosis-and-have-falls-68145">higher risk of falls</a>. Ensuring footpaths are level and crack-free, and free from obstructions, will encourage walking among older people – especially those with a disability.</p> <p><strong>Connected pedestrian networks:</strong> Introducing footpaths at the end of no-through-roads and across long street blocks reduces walking distances to destinations. This makes walking a more viable option.</p> <p><strong>Slowing traffic in high-pedestrian areas:</strong> Slowing traffic <a href="https://www.heartfoundation.org.au/images/uploads/publications/Safe-Speed-Evidence-Report.pdf">improves safety</a> by reducing the risk of a collision. It also reduces the risk of <a href="https://www.ncbi.nlm.nih.gov/pubmed/28557669">death and serious injury</a> in the event of a collision.</p> <p><strong>Age-friendly street crossings:</strong> Installing longer pedestrian crossing light sequences gives older pedestrians <a href="https://academic.oup.com/ageing/article/41/5/690/47318/Most-older-pedestrians-are-unable-to-cross-the">more time to cross</a>, and installing refuge islands means those who walk more slowly can cross the street in two stages.</p> <p><strong>Disabled access at public transport:</strong> Although a form of motorised transport, public transport users undertake more incidental physical activity compared with car users. This is because they walk between transit stops and their origins and destinations. Improving disabled access helps make public transport a viable option for more older people.</p> <p><strong>Places to rest:</strong> <a href="https://bmcpublichealth.biomedcentral.com/articles/10.1186/1471-2458-13-1054">Providing rest spots</a> such as benches enables older people to break up their walk and rest when needed.</p> <p><strong>Planting trees:</strong> Planting trees <a href="http://www.sciencedirect.com/science/article/pii/S0277953614004109?via%3Dihub">creates more pleasant scenery</a> to enjoy on a walk. It also provides shade on hot days.</p> <p><strong>Improving safety:</strong> Ensuring that streets are well-lit and reducing graffiti and signs of decay are likely to <a href="https://www.ncbi.nlm.nih.gov/pubmed/24552845">improve perceptions of safety</a> among older people.</p> <h2>Why physical activity matters</h2> <p>Physical function – the ability to undertake everyday activities such as walking, bathing and climbing stairs – often declines as people age. The reason for this is that ageing is often accompanied by a reduction in muscle strength, flexibility and cardiorespiratory reserves.</p> <p>Regular physical activity can <a href="https://www.ncbi.nlm.nih.gov/pubmed/14552936">prevent or slow the decline</a> in physical function, even among those with existing health conditions.</p> <p>Middle-to-older aged adults can reduce their risk of physical function decline <a href="https://ijbnpa.biomedcentral.com/articles/10.1186/1479-5868-7-38">by 30%</a> with regular physical activity (at least 150 minutes per week). This includes recreational physical activity, like walking the dog, or incidental physical activity, such as walking to the shops or to visit friends.</p> <p>By making minor changes as outlined above, the health and longevity of our elderly population can be extended. Such changes will help our elderly age well in place.</p> <p><em><a href="https://theconversation.com/profiles/jerome-n-rachele-251972">Jerome N Rachele</a>, Research Fellow in Social Epidemiology, Institute for Health and Ageing, <a href="https://theconversation.com/institutions/australian-catholic-university-747">Australian Catholic University</a>; <a href="https://theconversation.com/profiles/james-f-sallis-407885">James F Sallis</a>, Professorial Fellow, Institute for Health and Ageing, Australian Catholic University, and Emeritus Professor, Department of Family Medicine and Public Health, <a href="https://theconversation.com/institutions/university-of-california-san-diego-1314">University of California, San Diego</a>, and <a href="https://theconversation.com/profiles/venurs-loh-118864">Venurs Loh</a>, PhD Candidate, Institute for Health and Ageing, <a href="https://theconversation.com/institutions/australian-catholic-university-747">Australian Catholic 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/eight-simple-changes-to-our-neighbourhoods-can-help-us-age-well-83962">original article</a>.</em></p>

Travel Tips

Placeholder Content Image

Expert shares best destinations for solo female travellers

<p dir="ltr">At 63 years old, Christina Ford is a seasoned traveller, with most of her travels being done alone. </p> <p dir="ltr">After exploring dozens of countries with just her own company, Ford has shared her tips on where to go and how to stay safe for other women who are contemplating seeing the world by themselves. </p> <p dir="ltr">When asked for her favourite destinations for solo female travellers, Ford told <em><a href="https://www.dailymail.co.uk/travel/article-13865159/solo-travel-tips-women-best-countries-italy-canada.html">MailOnline</a></em> that there are two places she will also recommend. </p> <p dir="ltr">She said, “I am a huge fan of Italy and have travelled there extensively. My favourite solo place is Cinque Terre, five ancient fishing villages connected by sea, train or hiking. It's the perfect combination of healthy living, gorgeous vistas and fabulous food.”</p> <p dir="ltr">Christina also recommends her home country of Canada as “great for solo travellers”, explaining, “If you prefer something more urban, Toronto is a fantastic choice. Often described as New York run by the Swiss, it’s a great food town with safe and clean public transit. As a solo traveller, it’s easy to get a single ticket for a Broadway-style show.” </p> <p dir="ltr">“Canada is generally a safe country filled with friendly people who will gladly point you in the right direction - and probably apologise if you get lost. But part of the fun and growth of travelling is allowing yourself to get lost!”</p> <p dir="ltr">Christina went on to emphasise that “safety is crucial” for solo women travellers, and recommended to always carry a phone charger as “you never know where the day could take you” and sharing your live location with a friend or family member can provide peace of mind. </p> <p dir="ltr">She also always pins her hotel's location on Google Maps and advises “using your common sense” around “sketchy areas”, and also recommends not travelling anywhere without travel insurance. </p> <p dir="ltr">After falling in love with travelling solo, Christina wants to share how valuable travelling alone is, and urges women not to be dissuaded by seeing the world if you don’t have a companion. </p> <p dir="ltr">She said, “There are so many fabulous things about travelling solo. You’re on your own schedule, doing what you want to do. Your time is your own, and you can pivot at any moment.”</p> <p dir="ltr">“And you meet new people. Far more than if you were travelling with someone. Plus, you learn how capable you are. I’ve learned more about myself travelling alone than at almost any other time - it’s amazing discovering what great company you are!”</p> <p dir="ltr"><em>Image credits: Instagram </em></p>

Travel Tips

Placeholder Content Image

The science of happier dogs: 5 tips to help your canine friends live their best life

<p><em><a href="https://theconversation.com/profiles/mia-cobb-15211">Mia Cobb</a>, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</a></em></p> <p>When you hear about “science focused on how dogs can live their best lives with us” it sounds like an imaginary job made up by a child. However, the field of <a href="https://www.rnz.co.nz/podcast/ourchangingworld?share=2ec8e0ad-5008-4b2d-ae2e-a288e2a77f50">animal welfare science is real</a> and influential.</p> <p>As our most popular animal companion and coworker, dogs are very deserving of scientific attention. In recent years we’ve learned more about <a href="https://theconversation.com/dogs-can-get-dementia-but-lots-of-walks-may-lower-the-risk-189297">how dogs are similar to people</a>, but also how they are distinctly themselves.</p> <p>We often think about how dogs help us – as companions, <a href="https://theconversation.com/meet-moss-the-detection-dog-helping-tassie-devils-find-love-142909">working as detectors</a>, and keeping us <a href="https://theconversation.com/is-owning-a-dog-good-for-your-health-238888">safe and healthy</a>. Dog-centric science helps us <a href="https://www.frontiersin.org/journals/veterinary-science/articles/10.3389/fvets.2021.666898/full">think about the world from a four-paw perspective</a> and apply this new knowledge so dogs can enjoy a good life.</p> <p>Here are five tips to keep the tails in your life wagging happily.</p> <h2>1. Let dogs sniff</h2> <p>Sniffing <a href="https://www.psychologytoday.com/intl/blog/animal-emotions/201902/allowing-dogs-sniff-helps-them-think-positively">makes dogs happier</a>. We tend to forget they live in a smell-based world because we’re so visual. Often taking the dog for a walk is our daily physical activity but we should remember it could be our dogs’ only time out of the home environment.</p> <p>Letting them have a really good sniff of that tree or post is full of satisfying information for them. It’s their nose’s equivalent of us standing at the top of a mountain and enjoying a rich, colour-soaked, sunset view.</p> <h2>2. Give dogs agency</h2> <p>Agency is a <a href="https://www.frontiersin.org/journals/veterinary-science/articles/10.3389/fvets.2023.1284869/full">hot topic in animal welfare science</a> right now. For people who lived through the frustration of strict lockdowns in the early years of COVID, it’s easy to remember how not being able to go where we wanted, or see who we wanted, when we wanted, impacted our mental health.</p> <p>We’ve now learned that <a href="https://www.frontiersin.org/journals/veterinary-science/articles/10.3389/fvets.2023.1250251/full">giving animals choice and control</a> in their lives is important for their mental wellbeing too. We can help our dogs enjoy better welfare by creating more choices and offering them control to exercise their agency.</p> <p>This might be installing a doggy door so they can go outside or inside when they like. It could be letting them decide which sniffy path to take through your local park. Perhaps it’s choosing which three toys to play with that day from a larger collection that gets rotated around. Maybe it’s putting an old blanket down in a new location where you’ve noticed the sun hits the floor for them to relax on.</p> <p>Providing choices doesn’t have to be complicated or expensive.</p> <h2>3. Recognise all dogs are individuals</h2> <p>People commonly ascribe certain personality traits to certain dog breeds. But just like us, dogs have their own personalities <a href="https://scitechdaily.com/food-vs-toys-scientists-reveal-what-dogs-truly-prefer/">and preferences</a>. Not all dogs are going to like the same things and a new dog we live with may be completely different to the last one.</p> <p>One dog might like to go to the dog park and run around with other dogs at high speed for an hour, while another dog would much rather hang out with you chewing on something in the garden.</p> <p>We can see as much <a href="https://www.science.org/content/article/your-dog-s-breed-doesn-t-determine-its-personality-study-suggests">behavioural variation within breeds as we do between them</a>. Being prepared to meet dogs where they are, as individuals, is important to their welfare.</p> <p>As well as noticing what dogs like to do as individuals, it’s important not to force dogs into situations they don’t enjoy. <a href="https://www.rspca.org.uk/adviceandwelfare/pets/dogs/behaviour/understanding">Pay attention to behaviour</a> that indicates dogs aren’t comfortable, such as looking away, licking their lips or yawning.</p> <h2>4. Respect dogs’ choice to opt out</h2> <p>Even in our homes, we can provide options if our dogs don’t want to share in every activity with us. Having a quiet place that dogs can retreat to is really important in enabling them to opt out if they want to.</p> <p>If you’re watching television loudly, it may be too much for <a href="https://www.psychologytoday.com/au/blog/canine-corner/202407/how-good-is-a-dogs-hearing-compared-to-humans">their sensitive ears</a>. Ensure a door is open to another room so they can retreat. Some dogs might feel overwhelmed when visitors come over; giving them somewhere safe and quiet to go rather than forcing an interaction will help them cope.</p> <p>Dogs can be terrific role models for children when teaching empathy. We can demonstrate consent by letting dogs approach us for pats and depart when they want. Like seeing exotic animals perform in circuses, dressing up dogs for our own entertainment seems to have had its day. If you asked most dogs, they don’t want to wear costumes or be part of your Halloween adventures.</p> <h2>5. Opportunities for off-lead activity – safely.</h2> <p>When dogs are allowed to run off-lead, they use space differently. They tend to explore more widely and go faster than they do when walking with us on-lead. This offers them important and fun physical activity to keep them fit and healthy.</p> <figure><iframe src="https://www.youtube.com/embed/2AchEFiDwA8?wmode=transparent&amp;start=0" width="440" height="260" frameborder="0" allowfullscreen="allowfullscreen"></iframe><figcaption><span class="caption">Demonstrating how dogs walk differently when on- and off-lead.</span></figcaption></figure> <p>A recent exploration of <a href="https://pursuit.unimelb.edu.au/articles/we-checked-if-melbourne-really-is-a-dog-friendly-city">how liveable cities are for dogs</a> mapped all the designated areas for dogs to run off-leash. Doggy density ranged from one dog for every six people to one dog for every 30 people, depending on where you live.</p> <p>It also considered how access to these areas related to the annual registration fees for dogs in each government area compared, with surprising differences noted across greater Melbourne. We noted fees varied between A$37 and $84, and these didn’t relate to how many off-lead areas you could access.</p> <p>For dog-loving nations, such as Australia, helping our canine friends live their best life feels good. <a href="https://www.rnz.co.nz/national/programmes/afternoons/audio/2018957756/our-changing-world-the-science-behind-dog-welfare">Science that comes from a four-paw perspective</a> can help us reconsider our everyday interactions with dogs and influence positive changes so we can live well, together.<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/236952/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><em><a href="https://theconversation.com/profiles/mia-cobb-15211">Mia Cobb</a>, Research Fellow, Animal Welfare Science Centre, <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/the-science-of-happier-dogs-5-tips-to-help-your-canine-friends-live-their-best-life-236952">original article</a>.</em></p>

Family & Pets

Placeholder Content Image

"Absolute honour": Federer's stirring words as Nadal hangs up his racquet

<p>Roger Federer and Novak Djokovic have led a wave of tributes after Rafael Nadal announced he would be retiring from playing professional tennis. </p> <p>Nadal announced the news in an emotional Instagram video, where he thanked his family, team, friends and loyal fans for their support, while announcing that the David Cup Finals in November would be his last competition. </p> <p>In his video, the Spanish tennis champion also thanked his "greatest rivals" for giving him fierce competition throughout his stellar career. </p> <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-permalink="https://www.instagram.com/reel/DA8EpTsg3iV/?utm_source=ig_embed&amp;utm_campaign=loading" data-instgrm-version="14"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"> </div> </div> </div> <div style="padding: 19% 0;"> </div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"> </div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <div style="padding: 12.5% 0;"> </div> <div style="display: flex; flex-direction: row; margin-bottom: 14px; align-items: center;"> <div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(0px) translateY(7px);"> </div> <div style="background-color: #f4f4f4; height: 12.5px; transform: rotate(-45deg) translateX(3px) translateY(1px); width: 12.5px; flex-grow: 0; margin-right: 14px; margin-left: 2px;"> </div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(9px) translateY(-18px);"> </div> </div> <div style="margin-left: 8px;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 20px; width: 20px;"> </div> <div style="width: 0; height: 0; border-top: 2px solid transparent; border-left: 6px solid #f4f4f4; border-bottom: 2px solid transparent; transform: translateX(16px) translateY(-4px) rotate(30deg);"> </div> </div> <div style="margin-left: auto;"> <div style="width: 0px; border-top: 8px solid #F4F4F4; border-right: 8px solid transparent; transform: translateY(16px);"> </div> <div style="background-color: #f4f4f4; flex-grow: 0; height: 12px; width: 16px; transform: translateY(-4px);"> </div> <div style="width: 0; height: 0; border-top: 8px solid #F4F4F4; border-left: 8px solid transparent; transform: translateY(-4px) translateX(8px);"> </div> </div> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center; margin-bottom: 24px;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 224px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 144px;"> </div> </div> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;"><a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none;" href="https://www.instagram.com/reel/DA8EpTsg3iV/?utm_source=ig_embed&amp;utm_campaign=loading" target="_blank" rel="noopener">A post shared by Rafa Nadal (@rafaelnadal)</a></p> </div> </blockquote> <p>Those great rivals were the first to honour Nadal after his shock announcement, with Roger Federer sharing a photo of their pair sitting side by side, both in tears, as the Swiss great announced his own retirement two years ago. </p> <p>He wrote, “What a career, Rafa! I always hoped this day would never come. Thank you for the unforgettable memories and all your incredible achievements in the game we love. It’s been an absolute honour.”</p> <p>Novak Djokovic also shared a message for Nadal, posting a photo collage of their friendship behind the scenes. </p> <p>“Rafa, one post is not enough to express the respect I have for you and what you have done for our sport,” the 24-time Grand Slam title winner wrote.</p> <p>“You have inspired millions of children to start playing tennis and I think that’s probably the greatest achievement anyone can wish for. Your tenacity, dedication, fighting spirit is going to be taught for decades. Your legacy will live forever."</p> <p>“Only you know what you had to endure to become an icon of tennis and sport in general. Thank you for pushing me to the limit so many times in our rivalry.”</p> <p><em>Image credits: Daniel Irungu/EPA-EFE/Shutterstock Editorial </em></p>

Retirement Life