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Having the ‘right’ friends may hold the secret to building wealth, according to new study on socioeconomic ties

<p><em><a href="https://theconversation.com/profiles/brad-cannon-2216202">Brad Cannon</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>Having wealthy people in your social network significantly boosts the likelihood that you’ll participate in stock markets and savings plans, according to a new working paper I co-authored.</p> <p>My colleagues and I <a href="https://www.nber.org/system/files/working_papers/w32186/w32186.pdf">recently conducted research</a> on social finance to understand the ways in which social networks affect stock market participation and savings behavior. This is important because a substantial fraction of households in the U.S., particularly <a href="https://www.axios.com/2023/10/18/percentage-americans-own-stock-market-investing">lower-income families, do not own stocks</a>.</p> <p>Given that the total return to the U.S. stock market from 1980 through September 2024 has been over 12,000% – for example, US$1,000 <a href="https://ofdollarsanddata.com/sp500-calculator/">invested in the S&amp;P 500</a> in 1980 would be worth $121,350 today – this creates a disparity in wealth for those who participate relative to those who do not. Understanding why some people invest and others don’t is important for addressing social concerns such as rising inequality.</p> <p>In our study, we looked at <a href="https://academic.oup.com/ej/advance-article/doi/10.1093/ej/ueae074/7720537">social capital</a>, which is a measure of the value that comes from being in a group or having dense social networks. Researchers have found that social capital can have positive impacts on individuals and communities, spurring innovation, <a href="https://www.nature.com/articles/s41586-022-04996-4">economic prosperity</a> and better health outcomes. We used friendship data from Facebook to measure different aspects of social networks by county in the U.S. We combined this data with tax information from the Internal Revenue Service about investments and savings.</p> <p>We found that in counties where friendships with prosperous individuals are more common, investment and savings tend to be higher. Moreover, we found that having these friendships with wealthy individuals plays a more important role in shaping financial behaviors than two other aspects of social capital we looked at in our study: having a tight group of friends and living in a community with strong civic engagement.</p> <p>Of course, making wealthy friends alone does not guarantee you’ll invest or save more. But perhaps knowing people who invest makes it less daunting and fraught, particularly if those friends can serve as a resource and sounding board.</p> <p><em>“Friends with Benefits: Social Capital and Household Financial Behavior” was co-authored by <a href="https://www.marshall.usc.edu/personnel/david-hirshleifer">David Hirshleifer</a> and <a href="https://hankamer.baylor.edu/person/joshua-thornton">Joshua Thornton</a>.</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/239370/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><em><a href="https://theconversation.com/profiles/brad-cannon-2216202">Brad Cannon</a>, Assistant Professor of Finance, <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/having-the-right-friends-may-hold-the-secret-to-building-wealth-according-to-new-study-on-socioeconomic-ties-239370">original article</a>.</em></p>

Money & Banking

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10 signs you’re not on the right financial path

<p>Dreaming of owning a big house, nice car and a boat? Or just having enough cash to be comfortable?</p> <p>Here are 10 signs that you are not (yet) on the path to financial freedom.</p> <p><strong>1. You don't think about ways to make extra money</strong></p> <p>If you are paid a salary and nothing more, you are limited in the ways you can get ahead. The only way to save is to spend less. But if you switch it up and start to look for ways to earn more, your horizons open up. Most of the world's super wealthy have more than one income stream – some of which are usually passive, requiring no regular input. This could be something such as rental income from an investment property or the sale of a product such as an ebook. Add in some sensible savings habits and you will be on your way.</p> <p><strong>2. You leave your savings in a savings account</strong></p> <p>If you stick your cash in a savings account, it is basically doing nothing. You are better to look at ways to put that money to work. You could put it in a managed fund, buy shares or even lend it out via a peer-to-peer platform, to get a better return. Make sure you get good advice to understand what you are doing.</p> <p><strong>3. You borrow to buy</strong></p> <p>Borrowing to buy a house is fine. Borrowing to buy a car is (generally) not. If you are putting all your purchases on finance or credit card and paying them off with high rates of interest, you are pouring money down the drain. Live within your means if you want to get rich.</p> <p><strong>4. You don't know where your money goes</strong></p> <p>The first step to getting on the right track is to have a clear idea of what you're spending money on. If you don't know, chances are you're wasting it.  Have a look through your recent bank statements, draw up a budget. Stamp out some discretionary spending and you'll have more of that money to put to work that we mentioned earlier.</p> <p><strong>5. You're putting off planning for your retirement</strong></p> <p>If you think you are too young to have to worry about the future, you are doing yourself a huge disservice. When you are working towards a long-term financial goal, such as retirement, time is a huge asset to have on your side. The power of compounding means that any returns you make in a vehicle such as your KiwiSaver account then attract their own returns, over and over each year until you withdraw the money. The later you start saving, the more of that compounding power you miss.</p> <p><strong>6. You hate risk</strong></p> <p>It is great to be careful with your money but if you never take a risk, you miss out on returns. Over the long term, the biggest gains are usually from riskier investments, such as equities. You may also find ways to wealth by getting out of your comfort zone. Quitting your job and starting a new business is risky and scary, but could pay off if you have planned it well and know your stuff.</p> <p><strong>7. You don't have a plan</strong></p> <p>If you don't know how you're going to get rich, it probably isn't going to happen. Write down your goals. What do you want to achieve this week, month and year? What about in 10 years? If you can, identify someone who is in a position you'd like to get to and find out what they did to get there. Work out what you need to do to follow suit and break it down into small, achievable steps.</p> <p><strong>8. You don't pay yourself first</strong></p> <p>If you have decided to save money and think you'll just put aside everything that is left in your account at the end of the month, you will be horribly disappointed. This method almost always fails because there is invariably nothing left. Pay yourself first. Using your budget and plan, put aside the amount that you have worked out you can afford to save as soon as you get paid, and then live off the rest.</p> <p><strong>9. You think you're bad with money</strong></p> <p>It's a self-fulfilling prophecy. If you think you are bad with money, you won't pay any attention to your finances and they will get out of control. Stop thinking money is some sort of secret club that you could not possibly understand. Everyone can get a handle on it.</p> <p><strong>10. You don't know the basics</strong></p> <p>But having said that, it's important to get a good knowledge of the basic stuff. If you are not clear how your credit card works, or how your mortgage interest is calculated, get someone to help you break it down and bust the jargon. Websites such as Sorted have good tools or you can seek financial advice from your bank or an adviser.</p> <p><em>Image credits: Shutterstock </em></p> <p><em>Written by Susan Edmonds. First appeared on <a href="http://www.stuff.co.nz/" target="_blank" rel="noopener"><strong><span style="text-decoration: underline;">Stuff.co.nz</span></strong></a>. </em></p>

Money & Banking

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4 things ancient Greeks and Romans got right about mental health

<p><em><a href="https://theconversation.com/profiles/konstantine-panegyres-1528527">Konstantine Panegyres</a>, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</a></em></p> <p>According to the World Health Organization, about <a href="https://www.who.int/news-room/fact-sheets/detail/depression">280 million people</a> worldwide have depression and about <a href="https://www.who.int/health-topics/mental-health#tab=tab_2">one billion</a> have a mental health problem of any kind.</p> <p>People living in the ancient world also had mental health problems. So, how did they deal with them?</p> <p>As we’ll see, some of their insights about mental health are still relevant today, even though we might question some of their methods.</p> <h2>1. Our mental state is important</h2> <p>Mental health problems such as depression were familiar to people in the ancient world. Homer, the poet famous for the Iliad and Odyssey who lived around the eighth century BC, apparently <a href="https://www.loebclassics.com/view/LCL496/2003/volume.xml">died</a> after wasting away from depression.</p> <p>Already in the late fifth century BC, ancient Greek doctors recognised that our health partly depends on the state of our thoughts.</p> <p>In the Epidemics, a medical text written in around 400BC, an anonymous doctor <a href="https://www.loebclassics.com/view/LCL477/1994/volume.xml">wrote</a> that our habits about our thinking (as well as our lifestyle, clothing and housing, physical activity and sex) are the main determinants of our health.</p> <h2>2. Mental health problems can make us ill</h2> <p>Also writing in the Epidemics, an anonymous doctor <a href="https://www.loebclassics.com/view/LCL477/1994/volume.xml">described</a> one of his patients, Parmeniscus, whose mental state became so bad he grew delirious, and eventually could not speak. He stayed in bed for 14 days before he was cured. We’re not told how.</p> <p>Later, the famous doctor <a href="https://www.britannica.com/biography/Galen">Galen of Pergamum</a> (129-216AD) <a href="https://dfg-viewer.de/show?tx_dlf%5Bdouble%5D=0&amp;tx_dlf%5Bid%5D=http%3A%2F%2Fcmg.bbaw.de%2Fepubl%2Fonline%2Fmets%2Fsuppl_or_05_03.xml&amp;tx_dlf%5Bpage%5D=1390&amp;cHash=a0a715a587fa4e89a8839ccb310b0734">observed</a> that people often become sick because of a bad mental state:</p> <blockquote> <p>It may be that under certain circumstances ‘thinking’ is one of the causes that bring about health or disease because people who get angry about everything and become confused, distressed and frightened for the slightest reason often fall ill for this reason and have a hard time getting over these illnesses.</p> </blockquote> <p>Galen also described some of his patients who suffered with their mental health, including some who became seriously ill and died. <a href="https://dfg-viewer.de/show?tx_dlf%5Bdouble%5D=0&amp;tx_dlf%5Bid%5D=http%3A%2F%2Fcmg.bbaw.de%2Fepubl%2Fonline%2Fmets%2Fsuppl_or_05_03.xml&amp;tx_dlf%5Bpage%5D=1392&amp;cHash=c93bf32c31975103b100e918bee893d9">One man</a> had lost money:</p> <blockquote> <p>He developed a fever that stayed with him for a long time. In his sleep he scolded himself for his loss, regretted it and was agitated until he woke up. While he was awake he continued to waste away from grief. He then became delirious and developed brain fever. He finally fell into a delirium that was obvious from what he said, and he remained in this state until he died.</p> </blockquote> <h2>3. Mental illness can be prevented and treated</h2> <p>In the ancient world, people had many different ways to prevent or treat mental illness.</p> <p>The philosopher Aristippus, who lived in the fifth century BC, used to advise people <a href="https://www.loebclassics.com/view/LCL486/1997/volume.xml">to focus on the present</a> to avoid mental disturbance:</p> <blockquote> <p>concentrate one’s mind on the day, and indeed on that part of the day in which one is acting or thinking. Only the present belongs to us, not the past nor what is anticipated. The former has ceased to exist, and it is uncertain if the latter will exist.</p> </blockquote> <p>The philosopher Clinias, who lived in the fourth century BC, <a href="https://www.loebclassics.com/view/LCL486/1997/volume.xml">said</a> that whenever he realised he was becoming angry, he would go and play music on his lyre to calm himself.</p> <p>Doctors had their own approaches to dealing with mental health problems. Many <a href="https://books.google.com.au/books?id=KPHaAAAAMAAJ&amp;q=caelius+aurelianus+drabkin+on+acute+diseases&amp;dq=caelius+aurelianus+drabkin+on+acute+diseases&amp;hl=en&amp;newbks=1&amp;newbks_redir=0&amp;sa=X&amp;ved=2ahUKEwjpqszXwuSGAxUjamwGHS1yCuoQ6AF6BAgHEAI">recommended</a> patients change their lifestyles to adjust their mental states. They advised people to take up a new regime of exercise, adopt a different diet, go travelling by sea, listen to the lectures of philosophers, play games (such as draughts/checkers), and do mental exercises equivalent to the modern crossword or sudoku.</p> <p>For instance, the physician Caelius Aurelianus (fifth century AD) <a href="https://books.google.com.au/books?id=KPHaAAAAMAAJ&amp;q=caelius+aurelianus+drabkin+on+acute+diseases&amp;dq=caelius+aurelianus+drabkin+on+acute+diseases&amp;hl=en&amp;newbks=1&amp;newbks_redir=0&amp;sa=X&amp;ved=2ahUKEwjpqszXwuSGAxUjamwGHS1yCuoQ6AF6BAgHEAI">thought</a> patients suffering from insanity could benefit from a varied diet including fruit and mild wine.</p> <p>Doctors also advised people to take plant-based medications. For example, the herb <a href="https://www.psychiatriki-journal.gr/documents/psychiatry/30.1-EN-2019-58.pdf">hellebore</a> was given to people suffering from paranoia. However, ancient doctors recognised that hellebore could be dangerous as it sometimes induced toxic spasms, killing patients.</p> <p>Other doctors, such as Galen, had a slightly different view. He believed mental problems were caused by some idea that had taken hold of the mind. He believed mental problems could be cured if this idea was removed from the mind and <a href="https://dfg-viewer.de/show?tx_dlf%5Bdouble%5D=0&amp;tx_dlf%5Bid%5D=http%3A%2F%2Fcmg.bbaw.de%2Fepubl%2Fonline%2Fmets%2Fsuppl_or_05_03.xml&amp;tx_dlf%5Bpage%5D=1396&amp;cHash=1697e4b73dd653092cd8398749f1989f">wrote</a>:</p> <blockquote> <p>a person whose illness is caused by thinking is only cured by taking care of the false idea that has taken over his mind, not by foods, drinks, [clothing, housing], baths, walking and other such (measures).</p> </blockquote> <p>Galen <a href="https://dfg-viewer.de/show?id=9&amp;tx_dlf%5Bid%5D=http%3A%2F%2Fcmg.bbaw.de%2Fepubl%2Fonline%2Fmets%2Fsuppl_or_05_03.xml&amp;tx_dlf%5Bpage%5D=1418">thought</a> it was best to deflect his patients’ thoughts away from these false ideas by putting new ideas and emotions in their minds:</p> <blockquote> <p>I put fear of losing money, political intrigue, drinking poison or other such things in the hearts of others to deflect their thoughts to these things […] In others one should arouse indignation about an injustice, love of rivalry, and the desire to beat others depending on each person’s interest.</p> </blockquote> <h2>4. Addressing mental health needs effort</h2> <p>Generally speaking, the ancients believed keeping our mental state healthy required effort. If we were anxious or angry or despondent, then we needed to do something that brought us the opposite of those emotions.</p> <p>This can be achieved, they thought, by doing some activity that directly countered the emotions we are experiencing.</p> <p>For example, Caelius Aurelianus <a href="https://books.google.com.au/books?id=KPHaAAAAMAAJ&amp;q=caelius+aurelianus+drabkin+on+acute+diseases&amp;dq=caelius+aurelianus+drabkin+on+acute+diseases&amp;hl=en&amp;newbks=1&amp;newbks_redir=0&amp;sa=X&amp;ved=2ahUKEwjpqszXwuSGAxUjamwGHS1yCuoQ6AF6BAgHEAI">said</a> people suffering from depression should do activities that caused them to laugh and be happy, such as going to see a comedy at the theatre.</p> <p>However, the ancients did not believe any single activity was enough to make our mental state become healthy. The important thing was to make a wholesale change to one’s way of living and thinking.</p> <p>When it comes to experiencing mental health problems, we clearly have a lot in common with our ancient ancestors. Much of what they said seems as relevant now as it did 2,000 years ago, even if we use different methods and medicines today.</p> <hr /> <p><em>If this article has raised issues for you, or if you’re concerned about someone you know, call Lifeline on 13 11 14.</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/232824/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><em><a href="https://theconversation.com/profiles/konstantine-panegyres-1528527">Konstantine Panegyres</a>, McKenzie Postdoctoral Fellow, researching Greco-Roman antiquity, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</a></em></p> <p><em>Image credits: Shutterstock </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/4-things-ancient-greeks-and-romans-got-right-about-mental-health-232824">original article</a>.</em></p>

Mind

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"My daughter was right": Gracious grandma praised for humble act

<p>Watching your parents become grandparents is a beautiful experience, but it often comes with disagreements or differences in opinion in terms of how you are raising your kids. </p> <p>One grandma has gone viral for her wise words when it comes to navigating these differences. </p> <p>"If I don't agree with every little decision that my daughter makes for the baby, I usually don't say anything," TikTok user  @mommom.maria, who frequently posts about being a grandma, shared recalled her most recent babysitting experience. </p> <p>"Sometimes I can't help myself, and when it came to this I couldn't help myself, I had to say something."</p> <p>She explained that her 13-month-old granddaughter has two bottles a day, one in the morning and one at night. </p> <p>"My husband and I were babysitting the other night and my daughter said to put her milk before bed in this," she said, holding up a sippy cup with a straw.  </p> <p>The grandmother didn't think it was okay that her granddaughter was drinking out of a sippy cup that young, but admitted that it's not her decision to make. </p> <p>"I'm not the decision maker. I'm not the mum: I'm the Mum-Mum, the privileged Mum-Mum that gets to babysit her," she explained. </p> <p>She decided to respect her daughter's choices, and said that her granddaughter drank her milk with no issues. </p> <p>"So I guess my daughter was right, and that's really what I wanted to say to the other grandmothers: You don't have to agree, but you have to do it," she finished. </p> <p>Many have praised the grandmother for respecting her daughter's wishes, with the video gaining over 100k views. </p> <p>"Protect this sweet woman at all costs," commented one person. </p> <p>"Oh how I wish my MIL (mother in law) was like you," another added. </p> <p>"You are so emotionally mature about it. I'm so proud of you showing what respecting your children's right to parent looks like!" wrote a third. </p> <p>One woman also shared the way she approached parenting differences and replied, "I told my Mom and MIL this 'I'm not saying you're wrong with how you chose to do things with your kids. I just do things differently.' Helped a lot!"</p> <p><em>Images: TikTok</em></p>

Family & Pets

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We know what to eat to stay healthy. So why is it so hard to make the right choices?

<p><em><a href="https://theconversation.com/profiles/nina-van-dyke-822557">Nina Van Dyke</a>, <a href="https://theconversation.com/institutions/victoria-university-1175">Victoria University</a></em></p> <p>A healthy diet <a href="https://www.who.int/initiatives/behealthy/healthy-diet">protects us</a> against a number of chronic diseases, including heart disease, diabetes and cancer.</p> <p>From early childhood, we receive an abundance of <a href="https://cdn.who.int/media/docs/default-source/healthy-diet/healthy-diet-fact-sheet-394.pdf?sfvrsn=69f1f9a1_2&download=true">information</a> about how we <a href="https://www.eatforhealth.gov.au/guidelines/australian-guide-healthy-eating">should eat</a> to be healthy and reduce our risk of disease. And most people have a <a href="https://link.springer.com/content/pdf/10.1186/1479-5868-11-63.pdf">broad understanding</a> of what healthy eating looks like.</p> <p>But this knowledge <a href="https://www.sciencedirect.com/science/article/pii/S0001209216310584?casa_token=6CZgCmT1RMgAAAAA:sSRsj2o6swVfvoBxMIVrMTxqdczSAiFwfTCYzYQ8U3z4ey_WLQ6knpmk8WRH77zugAS3wEAQrA">doesn’t always result</a> in healthier eating.</p> <p>In our new research, we set out to <a href="https://link.springer.com/content/pdf/10.1186/s12889-024-18432-x.pdf">learn more</a> about why people eat the way they do – and what prevents them from eating better. Lack of time was a major <a href="https://onlinelibrary.wiley.com/doi/pdf/10.1111/obr.12472?casa_token=1D1mi-l0TR0AAAAA:dgebTQx-wgw7jbREfdawxZ5AZSDRztvrt8t1tuKyDy1x2mmXlyLDY8z9NbUf0v4hnh80HY_RbAk08Q">barrier</a> to cooking and eating healthier foods.</p> <h2>How do you decide what to eat?</h2> <p>We spoke with <a href="https://link.springer.com/content/pdf/10.1186/s12889-024-18432-x.pdf">17 adults</a> in a regional centre of Victoria. We chose a regional location because less research <a href="https://link.springer.com/content/pdf/10.1186/s40900-020-0179-6.pdf">has been done</a> with people living outside of metropolitan areas and because rates of obesity and other diet-related health issues are <a href="https://www.aihw.gov.au/reports/rural-remote-australians/rural-and-remote-health">higher</a> in such areas in Australia.</p> <p>Participants included a mix of people, including some who said they were over their “most healthy weight” and some who had previously dieted to lose weight. But all participants were either:</p> <ul> <li>young women aged 18–24 with no children</li> <li>women aged 35–45 with primary school aged children</li> <li>men aged 35–50 living with a partner and with pre- or primary-school aged children.</li> </ul> <p>We selected these groups to target <a href="https://www.sciencedirect.com/science/article/pii/S0022318212803669">ages and life-stages</a> in which shifts in eating behaviours may occur. Previous research has found younger women <a href="https://onlinelibrary.wiley.com/doi/pdf/10.1111/j.1470-6431.2007.00642.x?casa_token=33QKWwhc2ogAAAAA:ZvJ6wfXiRC_6eoqvoxD121JOSKSPmIRHcrdiGl2uHzkq5pY6VVPL6WI2DhmxQ2q9i6bBGvLiFl8afQ">tend to</a> be particularly concerned about appearance rather than healthy eating, while women with children often shift their focus to providing for their family. Men <a href="https://onlinelibrary.wiley.com/doi/pdf/10.1111/obr.12472?casa_token=KakMB6hAOQ0AAAAA:fLnpoxZQiiJIdEkg_TOcCq8hBwZef1iZETZKTiG5W6zW2x_PYzK0oLeOg5F9arKThq9RzMWEi4x4Xw">tend to be less interested</a> in what they eat.</p> <p>We asked participants about how they decided what food to eat, when, and how much, and what prevented them from making healthier choices.</p> <h2>It’s not just about taste and healthiness</h2> <p>We found that, although such decisions were determined in part by taste preferences and health considerations, they were heavily influenced by a host of other factors, many of which are outside the person’s control. These included other household members’ food preferences, family activities, workplace and time constraints, convenience and price.</p> <p><a href="https://jamanetwork.com/journals/jamainternalmedicine/article-abstract/2767106">Healthy eating</a> means consuming a balanced diet rich in nutrients, including a variety of fruits, vegetables, whole grains, lean proteins and healthy fats, while limiting processed foods, added sugars and excessive salt. Healthy eating also includes how we eat and <a href="https://journals.plos.org/plosone/article?id=10.1371/journal.pone.0244292">how we think about</a> food and eating, such as having a positive relationship with food.</p> <p>One 35- to 45-year-old woman, for example, said that time constraints and family preferences made it difficult to prepare healthier food:</p> <blockquote> <p>I love the chance when I can actually get a recipe and get all of the ingredients and make it properly, but that doesn’t happen very often. It’s usually what’s there and what’s quick. And what everyone will eat.</p> </blockquote> <p>One of the 35- to 50-year-old men also noted the extent to which family activities and children’s food preferences dictated meal choices:</p> <blockquote> <p>Well, we have our set days where, like Wednesday nights, we have to have mackie cheese and nuggets, because that’s what the boys want after their swimming lesson.</p> </blockquote> <p><a href="https://onlinelibrary.wiley.com/doi/pdf/10.1111/joss.12649?casa_token=gsnU9O_G2GQAAAAA:mV2vtHlnEd0jqBGJPFkfml_ecLIDqwSlH5xksSwt4eQb_FP_UShyAKm9sLNnKy6Mkf2q9aKAlDEixA">Research shows</a> that children are often more receptive to new foods than their parents think. However, introducing new dishes takes additional time and planning.</p> <p>An 18- to 24-year-old woman discussed the role of time constraints, her partner’s activities, and price in influencing what and when she eats:</p> <blockquote> <p>My partner plays pool on a Monday and Wednesday night, so we always have tea a lot earlier then and cook the simple things that don’t take as long, so he can have dinner before he goes rather than buying pub meals which cost more money.</p> </blockquote> <p>Despite popular perceptions, healthy diets are not more expensive than unhealthy diets. A <a href="https://preventioncentre.org.au/wp-content/uploads/2017/03/1702_FB_LEE_4p_final_lr.pdf">study</a> comparing current (unhealthy) diets with what the <a href="https://www.health.gov.au/resources/publications/the-australian-dietary-guidelines">Australian Dietary Guidelines</a> recommend people should eat found that the healthy diet was 12–15% cheaper than unhealthy diets for a family of two adults and two children.</p> <p>However, learning and planning to prepare new types of meals <a href="https://www.mdpi.com/2072-6643/12/3/877">takes effort and time</a>.</p> <p>Simply educating people about what they should eat won’t necessarily result in healthier eating. People want to eat healthier, or at least know they should eat healthier, but other things <a href="https://link.springer.com/content/pdf/10.1007/s00394-017-1458-3.pdf">get in the way</a>.</p> <p>A key to improving people’s eating behaviours is to make it easy to eat more healthily.</p> <p>Policy changes to make healthy eating easier could include subsidising healthier foods such as fresh produce, providing incentives for retailers to offer healthy options, and ensuring access to nutritious meals in schools and workplaces.</p> <h2>So how can you make healthier food choices easier?</h2> <p>Here are five tips for making healthy choices easier in your household:</p> <ol> <li> <p>If certain days of the week are particularly busy, with little time to prepare fresh food, plan to cook in bulk on days when you have more time. Store the extra food in the fridge or freezer for quick preparation.</p> </li> <li> <p>If you’re often pressed for time during the day and just grab whatever food is handy, have healthy snacks readily available and accessible. This could mean a fruit bowl in the middle of the kitchen counter, or wholegrain crackers and unsalted nuts within easy reach.</p> </li> <li> <p>Discuss food preferences with your family and come up with some healthy meals everyone likes. For younger children, <a href="https://healthykids.nsw.gov.au/downloads/file/campaignsprograms/NewFoodsFussyEaters.pdf">try serving</a> only a small amount of the new food, and serve new foods alongside foods they already like eating and are familiar with.</p> </li> <li> <p>If you rely a lot on take-away meals or meal delivery services, try making a list ahead of time of restaurants and meals you like that are also healthier. You might consider choosing lean meat, chicken, or fish that has been grilled, baked or poached (rather than fried), and looking for meals with plenty of vegetables or salad.</p> </li> <li> <p>Remember, fruit and vegetables taste better and are often cheaper when they are in season. Frozen or canned vegetables are a <a href="https://www.sbs.com.au/news/article/the-cost-of-fresh-fruit-and-veggies-is-rising-is-canned-or-frozen-produce-just-as-healthy/tzuhnfrnr">healthy and quick alternative</a>.<img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/231489/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> </li> </ol> <p><em><a href="https://theconversation.com/profiles/nina-van-dyke-822557">Nina Van Dyke</a>, Associate Professor and Associate Director, Mitchell Institute, <a href="https://theconversation.com/institutions/victoria-university-1175">Victoria 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/we-know-what-to-eat-to-stay-healthy-so-why-is-it-so-hard-to-make-the-right-choices-231489">original article</a>.</em></p>

Food & Wine

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

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

Travel Trouble

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Condolence messages that will help you find the right words

<h2>Condolence messages for every situation</h2> <p>When someone you care about has lost someone they care about, it’s important to reach out and show your love. “We’re hard-wired as human beings to connect with others, especially when we’re grieving,” says Abigail Nathanson, a licensed social worker and professor of grief and trauma at New York University. “Being able to talk about the pain and loss and receive support from others is an essential part of the grieving process.” While you may eventually engage in longer discussions, condolence messages are the first step after any loss.</p> <p>These messages of sympathy are a simple and beautiful way to connect with a grieving loved one. But even though death and grief are universal experiences, it can be hard to find the right things to say to someone who is grieving or know what to write in a condolence card—probably because there aren’t any words that can take away their pain.</p> <p>But it’s proper etiquette to say something rather than to stay silent. Otherwise, the person who’s grieving might think you don’t care.</p> <h2>What can you say to comfort someone who’s lost a loved one?</h2> <p>“Just like there is no one ‘right’ way to grieve, there is no one script for what to say to someone who has experienced a great loss,” Nathanson says. “However we do know that there are some things that many people find comforting and supportive.”</p> <p>When thinking of what to say when someone dies, Nathanson offers these tips:</p> <ul> <li>Lead with sympathy or empathy.</li> <li>Offer to listen (and then listen without interrupting).</li> <li>Don’t offer banal platitudes, like: “Everything will turn out for the best.”</li> <li>Don’t tell them how to feel, like: “Your father wouldn’t want you to be sad.”</li> <li>Reinforce your love and support for them.</li> <li>Offer to help in meaningful ways.</li> <li>Don’t offer advice unless they ask for it.</li> </ul> <h2>How to write a condolence message</h2> <p>“Remember that the goal of a condolence message is not to talk the person out of being sad or to ‘cure’ their grief,” Nathanson says. “It’s to offer love and support during a trying time.”</p> <p>Expressing condolences in person is incredibly powerful, but if you can’t be there with them, sending a condolence message is the next best thing. In this digital age, you have lots of options.</p> <ul> <li>Video messages offer the added bonus of face-to-face connection.</li> <li>Condolence text messages are an immediate way to reach out.</li> <li>Email is a great way to share longer thoughts, including pictures or memories of the loved one. They can also be read at the person’s leisure.</li> <li>Handwritten notes show extra care and are often sentimental keepsakes.</li> <li>Comments on social media show public support and allow you to interact with others who may be grieving the loss as well.</li> </ul> <p>Regardless of which method you choose to convey your love and support, keep your message relatively short. Grief can induce brain fog, making it difficult to concentrate on long messages, Nathanson says. And send your message as soon as you can (but better late than never!), and consider attaching it to one of these beautiful sympathy gifts.</p> <h2>Short condolence messages</h2> <p>To help you find the right words, here’s a list of heartfelt short condolence messages messages. Your kind words will be appreciated more than you know.</p> <ol> <li>I’m so sorry for your loss.</li> <li>My heart breaks for you.</li> <li>This hurts, and it sucks!</li> <li>You are in my prayers.</li> <li>My heart is with you at this time.</li> <li>I love you, and I’m here for you.</li> <li>I’m so sorry you are hurting.</li> <li>Sending love and peace.</li> <li>You are in my thoughts.</li> <li>May you find comfort at this time.</li> <li>Blessings for you and your loved ones.</li> <li>I’m with you during this difficult time.</li> <li>I hope you can feel my love.</li> <li>Love and support for you and yours.</li> <li>I wish I could give you the biggest hug.</li> <li>Sending you peaceful and loving vibes.</li> <li>Praying you feel comforted.</li> <li>You can cry on my shoulder.</li> <li>I’m devastated for you.</li> <li>My heart goes out to you at this difficult time.</li> </ol> <p><em>Image credits: Shutterstock </em></p> <p><em>This article originally appeared on <a href="https://www.readersdigest.com.au/true-stories-lifestyle/inspirational/condolence-messages-that-will-help-you-find-the-right-words" target="_blank" rel="noopener">Reader's Digest</a>. </em></p>

Caring

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How do I plan for my retirement? Step one – start right away

<p><em><a href="https://theconversation.com/profiles/bomikazi-zeka-680577">Bomikazi Zeka</a>, <a href="https://theconversation.com/institutions/university-of-canberra-865">University of Canberra</a></em></p> <p>Planning for retirement is important because it will help you build the nest egg you’ll need to financially sustain your retirement years.</p> <p>Past <a href="https://www.tandfonline.com/doi/epdf/10.1080/03601277.2012.660859?needAccess=true">studies</a> have shown that those who plan for their retirement are more likely to be better off at retirement compared to those don’t.</p> <p>The sooner the planning process gets underway, the better. This gives your money more time to grow by generating investment returns. And the income from your first job is your first opportunity to save for retirement. As the saying goes: “The best time to plant a tree was 20 years ago. The second best time is now.”</p> <p>As people <a href="https://www.statssa.gov.za/?p=15601">can expect to live longer</a>, they must save more for retirement so that they don’t outlive their savings. This is particularly true given that the pensions landscape worldwide has undergone some major changes.</p> <p>In the past, governments and employers provided retirement income for individuals through government social security benefits and employment-based retirement funds. Because of increasing life expectancies, pension plans that guaranteed a retirement benefit to employees are now rare. Employees are now responsible for making contributions towards their own pensions as well as choosing the investments offered by the pension fund.</p> <p>Since employers are no longer responsible for funding their employees’ retirement and governments lack resources to provide a universal state pension, each person is ultimately responsible for ensuring they have enough retirement savings. So it’s very important to know the basics of the retirement planning process.</p> <p>As a researcher, I’m interested in how people use financial products to overcome economic challenges and build wealth. One of the things I investigate is whether planning for retirement leads to better retirement outcomes. For instance, my <a href="https://www.researchgate.net/profile/Bomikazi-Zeka-2/publication/340130176_Retirement_funding_adequacy_in_black_South_African_townships/links/5e8bf3924585150839c6408b/Retirement-funding-adequacy-in-black-South-African-townships.pdf?_sg%5B0%5D=started_experiment_milestone&amp;origin=journalDetail&amp;_rtd=e30%3D">research</a> has found that individuals whose financial affairs are in order are more likely to maintain their standard of living at retirement.</p> <p>Given that everyone’s financial situation is unique, it’s always a good idea to speak to a financial planner for tailored financial advice.</p> <p>If you haven’t given retirement planning much thought or don’t know where to start, here are four points to help get the ball rolling.</p> <h2>What are my retirement goals?</h2> <p>Retirement goals make you think about what you want to achieve by the time you retire and what you need to do to achieve it. Some people may have a goal in mind about when they want to retire, or how much wealth they’d like to have by the time they retire. And since wealth has different meanings for different people, others may think about maintaining or improving their standard of living at retirement.</p> <p>Once you’ve thought about your retirement goals, the <a href="https://corporatefinanceinstitute.com/resources/management/smart-goal/">“smart” goals</a> framework is a useful guide. It outlines that goals should be: specific, measurable, attainable, relevant and time-bound.</p> <p>When goals are clear, within reach, achievable, realistic and time-sensitive, they become a blueprint to help you turn them into a reality.</p> <h2>How do I start saving for retirement?</h2> <p>For those who have a job that comes with retirement fund membership, a workplace pension is used to provide for retirement. But there are also other options available to help you save.</p> <p>For instance, retirement annuity funds are voluntary retirement savings. Personal assets such as <a href="https://www.allangray.co.za/what-we-offer/unit-trust-investment/#fund-3">unit trusts</a> or <a href="https://www.gov.za/faq/money-matters/how-can-i-make-tax-free-investment">tax-free investments</a> can also be used as a savings tool. Unit trusts are generally better suited for people willing to take on risk because their value is tied to the movements of financial markets. In other words, they can generate positive returns but they can also lose value. The drawback of tax-free investments in South Africa is that they have a lifetime contribution limit. You can’t use them to save more than R500,000 (US$27,400).</p> <p>Each of these options has its advantages and disadvantages and what works best for one person may not be best for another. But there are several ways to save for retirement depending on your financial situation and retirement goals. Getting professional advice will help you determine what’s best for you.</p> <h2>Will my retirement savings be enough?</h2> <p>Once you’ve set your retirement goals and have a retirement savings plan in place, you can calculate whether you are saving enough to achieve your retirement goals.</p> <p>For example, if your retirement goal is: “I want to retire at the age of 65 years with an income equivalent to R35,000 (US$1,900) per month” then you can use a <a href="https://www.sanlam.co.za/tools/Pages/retirement.aspx">retirement calculator</a> to track your progress and determine whether you need to make adjustments to meet your goals.</p> <p>You might have to increase the monthly amount you’re putting away for retirement or reconsider your retirement age. The retirement calculators are also a useful tool for regular check-ins on your progress should your financial situation change – for example, if you change employers and earn a different salary.</p> <h2>What other issues should I consider?</h2> <p>It’s also important to think about your lifestyle and priorities.</p> <p>For instance:</p> <ul> <li> <p>do you aim to retire with your mortgage settled?</p> </li> <li> <p>are there debts you plan to clear before you retire or children who need financial support at retirement?</p> </li> <li> <p>would you like to renovate your home?</p> </li> <li> <p>would you like to buy a new car when you reach retirement age?</p> </li> </ul> <p>Another important consideration is healthcare costs. Many people assume that they will be able to work indefinitely and overlook the fact that healthcare costs may increase with age.</p> <h2>Starting early matters</h2> <p>Many people plan to work after retirement age, while others don’t plan to retire at all. It may be that they can’t afford to. They may have accessed their retirement benefits too soon, made inconsistent retirement fund contributions, or had to pay high administrative costs that eroded the final value of a retirement payout.</p> <p>So best be prepared. Retirement may seem like a distant event to plan and save for, especially when there are more pressing financial needs. It’s important to think about the financial decisions you make now that may cost you in the future. If you start to plan for your retirement now, your future self will thank you for it.<img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/230553/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><em><a href="https://theconversation.com/profiles/bomikazi-zeka-680577">Bomikazi Zeka</a>, Assistant Professor in Finance and Financial Planning, <a href="https://theconversation.com/institutions/university-of-canberra-865">University of Canberra</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-do-i-plan-for-my-retirement-step-one-start-right-away-230553">original article</a>.</em></p>

Retirement Income

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Does the royal family have a right to privacy? What the law says

<p><em><a href="https://theconversation.com/profiles/gemma-horton-1515949">Gemma Horton</a>, <a href="https://theconversation.com/institutions/university-of-sheffield-1147">University of Sheffield</a></em></p> <p>From court cases to conspiracy theories, the royal family’s right to privacy is, somewhat ironically, nearly always in the spotlight. The latest focus is Kate Middleton, Princess of Wales, whose whereabouts have been the subject of <a href="https://www.townandcountrymag.com/society/tradition/a60008117/kate-middleton-health-speculation-conspiracy-theories-online/">online speculation</a> after it was announced she was undergoing abdominal surgery and would be away from public duties until after Easter.</p> <p>This comes just weeks after King Charles <a href="https://www.bbc.co.uk/news/uk-68208157">revealed that he is undergoing treatment for cancer</a>, and a legal settlement between Prince Harry and Mirror Group Newspapers over <a href="https://www.bbc.co.uk/news/uk-68249009">illegal phone hacking</a>.</p> <p>Interest in the personal lives of the royals and other celebrities <a href="https://www.tandfonline.com/doi/full/10.1080/1461670X.2016.1150193">is a constant</a>, driving newspaper sales and online clicks for decades. You only needs to consider the media frenzy that followed Princess Diana to <a href="https://www.tandfonline.com/doi/full/10.1080/17512786.2013.833678">see this</a>, and its potentially devastating consequences.</p> <p>From a legal perspective, the British courts have ruled that everyone – the royal family included – is entitled to a right to privacy. The Human Rights Act incorporates into British law the rights set out by the European Convention on Human Rights. This includes article 8, which focuses on the right to privacy.</p> <p>In the years after the Human Rights Act came into force, courts ruled on a string of cases from celebrities claiming that the press invaded their privacy. Courts had to balance article 8 of the convention against article 10, the right to freedom of expression.</p> <p>Rulings repeatedly stated that, despite being in and sometimes seeking the limelight, celebrities should still be afforded a right to privacy. Some disagree with this position, such as prominent journalist <a href="https://www.independent.co.uk/news/uk/home-news/prince-harry-hacking-piers-morgan-b2336442.html">Piers Morgan, who has criticised</a> the Duke and Duchess of Sussex asking for privacy when they have also released a Netflix documentary, a broadcast interview with Oprah Winfrey and published a memoir.</p> <p>But the courts have made the position clear, as in the case concerning Catherine Zeta-Jones and Michael Douglas after Hello! Magazine published unauthorised photographs from their wedding. The <a href="https://eprints.whiterose.ac.uk/190559/3/Final%20Edited%20Version%20-%20Celebrity%20Privacy%20and%20Celebrity%20Journalism-%20Has%20anything%20changed%20since%20the%20Leveson%20Inquiry_.pdf">court stated</a> that: “To hold that those who have sought any publicity lose all protection would be to repeal article 8’s application to very many of those who are likely to need it.”</p> <p>There is no universal definition of privacy, but scholars have identified key concepts encompassing what privacy can entail. In my own research, I have argued that the <a href="https://eprints.whiterose.ac.uk/190559/3/Final%20Edited%20Version%20-%20Celebrity%20Privacy%20and%20Celebrity%20Journalism-%20Has%20anything%20changed%20since%20the%20Leveson%20Inquiry_.pdf">notion of choice</a> is one of these. Privacy allows us to control the spread of information about ourselves and disclose information to whom we want.</p> <h2>Privacy and the public interest</h2> <p>There are exceptions to these protections if the person involved had no reasonable expectation of privacy, or if it was in the public interest for this information to be revealed. There is no solid, legal definition of the “public interest”, so this is decided on a case-by-case basis.</p> <p><a href="https://www.tandfonline.com/doi/full/10.1080/17577632.2021.1889866">In the past</a>, the public interest defence has been applied because a public figure or official has acted hypocritically and the courts have stated there is a right for a publisher to set the record straight.</p> <p>When it comes to medical records and information concerning health, case law and journalistic <a href="https://www.ipso.co.uk/editors-code-of-practice/">editorial codes of conduct</a> are clear that this information is afforded the utmost protection.</p> <p>Model Naomi Campbell was pictured leaving a Narcotics Anonymous meeting and these images were published by the Daily Mirror. The court found that there had been a public interest in revealing the fact she was attending these meetings, as she had previously denied substance abuse.</p> <p>The House of Lords accepted that there was a public interest in the press “setting the record straight”. Nonetheless, the publication of additional, confidential details, and the photographs of her leaving the meeting were a <a href="https://www.theguardian.com/media/2004/may/06/mirror.pressandpublishing1">step too far</a>. The House of Lords highlighted the importance of being able to keep medical records and information private.</p> <h2>Royal health</h2> <p>When it comes to the royals, the history of <a href="https://www.townandcountrymag.com/society/tradition/a23798094/lindo-wing-st-marys-hospital-facts-photos/">publicity</a> around royal births, often posing with the newborn royal baby outside of the hospital, has set a precedent for what the public can expect about the royals’ medical information. When they choose to go against this tradition, it can frustrate both royal-watchers and publishers.</p> <p>King Charles made the choice to openly speak about his enlarged prostate to “assist public understanding”. And, as Prostate Cancer UK noted, this has worked – they noted a <a href="https://www.independent.co.uk/news/uk/home-news/king-charles-cancer-statement-treatment-b2494190.html">500% increase in people visiting their website</a>. However, he has chosen to not to divulge information about his cancer diagnosis beyond the fact that he is receiving treatment. This is his right.</p> <p>While revealing further information might stop speculation and rumours about his health, it is not the king’s duty to divulge private, medical information. However, if his health begins to impact his ability to act as monarch, the situation could change.</p> <p>It might be that the press finds more information about his health without his knowledge, but unless they have a genuine public interest in publishing this information, privacy should prevail.</p> <p>You would no doubt want your private medical information kept secret, not shared around your workplace and speculated on unless it was absolutely necessary. It is thanks to these laws and court precedent that you don’t have to worry about this. The royal family, regardless of their position, should expect the same standard.</p> <p><a href="https://theconversation.com/profiles/gemma-horton-1515949"><em>Gemma Horton</em></a><em>, Impact Fellow for Centre for Freedom of the Media, <a href="https://theconversation.com/institutions/university-of-sheffield-1147">University of Sheffield</a></em></p> <p><em>Image credits: Getty Images</em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/does-the-royal-family-have-a-right-to-privacy-what-the-law-says-224881">original article</a>.</em></p>

Legal

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‘Self-love’ might seem selfish. But done right, it’s the opposite of narcissism

<p><em><a href="https://theconversation.com/profiles/ian-robertson-1372650">Ian Robertson</a>, <a href="https://theconversation.com/institutions/university-of-wollongong-711">University of Wollongong</a></em></p> <p>“To love what you are, the thing that is yourself, is just as if you were embracing a glowing red-hot iron” <a href="https://archive.org/details/jungsseminaronni0000jung">said psychonalyst Carl Jung</a>.</p> <p>Some may argue this social media generation does not seem to struggle with loving themselves. But is the look-at-me-ism so easily found on TikTok and Instagram the kind of self-love we need in order to flourish?</p> <p>The language of <a href="https://theconversation.com/teaching-positive-psychology-skills-at-school-may-be-one-way-to-help-student-mental-health-and-happiness-217173">positive psychology</a> can be – and often is – appropriated for all kinds of self-importance, as well as cynical marketing strategies.</p> <p>Loving yourself, though, psychological experts stress, is not the same as behaving selfishly. There’s a firm line between healthy and appropriate forms of loving yourself, and malignant or <a href="https://theconversation.com/how-many-types-of-narcissist-are-there-a-psychology-expert-sets-the-record-straight-207610">narcissistic</a> forms. But how do we distinguish between them?</p> <p>In 2023, researchers Eva Henschke and Peter Sedlmeier conducted <a href="https://www.researchgate.net/publication/355152846_What_is_self-love_Redefinition_of_a_controversial_construct">a series of interviews</a> with psychotherapists and other experts on what self-love is. They’ve concluded it has three main features: self-care, self-acceptance and self-contact (devoting attention to yourself).</p> <p>But as an increasingly individualistic society, are we already devoting too much attention to ourselves?</p> <h2>Philosophy and self-love</h2> <p>Philosophers and psychology experts alike have considered the ethics of self-love.</p> <p>Psychology researcher Li Ming Xue and her colleagues, <a href="https://www.frontiersin.org/articles/10.3389/fpsyg.2021.585719/full">exploring the notion of self-love in Chinese culture</a>, claim “Western philosophers believe that self-love is a virtue”. But this is a very broad generalisation.</p> <p>In the Christian tradition and in much European philosophy, <a href="https://www.tandfonline.com/doi/full/10.1080/10848770.2020.1839209">says philosopher Razvan Ioan</a>, self-love is condemned as a profoundly damaging trait.</p> <p>On the other hand, <a href="https://www.jstor.org/stable/2107991">many of the great Christian philosophers</a>, attempting to make sense of the instruction to love one’s neighbour as oneself, admitted certain forms of self-love were virtuous. In order to love your neighbour as yourself, you must, it would seem, love yourself.</p> <p>In the Western philosophical context, claim Xue and her colleagues, self-love is concerned with individual rights – “society as a whole only serves to promote an individual’s happiness”.</p> <p>This individualistic, self-concerned notion of self-love, they suggest, might come from the Ancient Greek philosophers. In particular, Aristotle. But <a href="https://www.psychologytoday.com/intl/blog/philosophy-stirred-not-shaken/201502/love-yourself-love-your-character">Aristotle thought only the most virtuous</a>, who benefited the society around them, should love themselves. By making this connection, he avoided equating self-love with self-centredness.</p> <p>We should love ourselves not out of vanity, he argued, but in virtue of our capacity for good. Does Aristotle, then, provide principled grounds for distinguishing between proper and improper forms of self-love?</p> <h2>Bar too high?</h2> <p>Aristotle might set the bar too high. If only the most virtuous should try to love themselves, this collides head-on with the idea loving yourself can help us improve and become more virtuous – as <a href="https://link.springer.com/chapter/10.1057/9781137383310_6">philosophers Kate Abramson and Adam Leite have argued</a>.</p> <p>Many psychologists claim self-love is important for adopting the kind and compassionate self-perception crucial for overcoming conditions that weaponise self-criticism, like <a href="https://theconversation.com/clinical-perfectionism-when-striving-for-excellence-gets-you-down-43704">clinical perfectionism</a> and <a href="https://theconversation.com/how-many-people-have-eating-disorders-we-dont-really-know-and-thats-a-worry-121938">eating disorders</a>.</p> <p>More broadly, some argue compassion for oneself is necessary to support honest insights into your own behaviour. They believe we need warm and compassionate self-reflection to avoid the defensiveness that comes with the fear of judgement – even if we’re standing as our own judge.</p> <p>For this reason, a compassionate form of self-love is often necessary to follow Socrates’ advice to “know thyself”, says <a href="https://link.springer.com/article/10.1007/s10677-015-9578-4">philosopher Jan Bransen</a>. Positive self-love, by these lights, can help us grow as people.</p> <h2>Self-love ‘misguided and silly’</h2> <p>But not everyone agrees you need self-love to grow. The late philosopher <a href="https://www.theguardian.com/news/2005/nov/29/guardianobituaries.obituaries">Oswald Hanfling</a> was deeply sceptical of this idea. In fact, he argued the notion of loving oneself was misguided and silly. His ideas are mostly rejected by philosophers of love, but pointing out where they go wrong can be useful.</p> <p>When you love someone, he said, you’re prepared to sacrifice your own interests for those of your beloved. But he thought the idea of sacrificing your own interests made no sense – which shows, he concluded, we can’t love ourselves.</p> <p><a href="https://www.jstor.org/stable/3751159">He wrote</a>: "I may sacrifice an immediate satisfaction for the sake of my welfare in the future, as in the case of giving up smoking. In this case, however, my motive is not love but self-interest. What I reveal in giving up smoking is not the extent of my love for myself, but an understanding that the long-term benefits of giving it up are likely to exceed the present satisfaction of going on with it."</p> <p>We often have conflicting interests (think of someone who is agonising over two different career paths) – and it’s not at all strange to sacrifice certain interests for the sake of others.</p> <p>This is not just a question of sacrificing short-term desires in favour of a long-term good, but a matter of sacrificing something of value for your ultimate benefit (or, so you hope).</p> <h2>Self-compassion</h2> <p>Hanfling fails to consider the role of compassionate self-love. While we might understand it’s in our interests to do something (for instance, repair bridges with someone we’ve fallen out with), it might take a compassionate and open disposition towards ourselves to recognise what’s in our best interests.</p> <p>We might need this self-compassion, too, in order to admit our failures – so we can overcome our defensiveness and see clearly how we’re failing to fulfil <a href="https://link.springer.com/article/10.1007/s10677-015-9578-4">these interests</a>.</p> <p>Self-acceptance in this context does not mean giving ourselves licence to run roughshod over the interests of those around us, nor to justify our flaws as “valid” rather than work on them.</p> <p>Self-love, as promoted by contemporary psychologists, means standing in a compassionate relationship to ourselves. And there’s nothing contradictory about this idea.</p> <p>Just as we strive to develop a supportive, kind relationship to the people we care about – and just as this doesn’t involve uncritical approval of everything they do – compassionate self-love doesn’t mean abandoning valid self-criticism.</p> <p>In fact, self-compassion has the opposite effect. It promotes comfort with the kind of critical self-assessment that helps us grow – which leads to resilience. It breeds the opposite of narcissistic self-absorption.<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/205938/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><em><a href="https://theconversation.com/profiles/ian-robertson-1372650">Ian Robertson</a>, PhD Candidate (Teaching roles at Macquarie &amp; Wollongong), <a href="https://theconversation.com/institutions/university-of-wollongong-711">University of Wollongong</a></em></p> <p><em>Image credits: Getty Images </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/self-love-might-seem-selfish-but-done-right-its-the-opposite-of-narcissism-205938">original article</a>.</em></p>

Mind

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6 reasons why global temperatures are spiking right now

<p><em><a href="https://theconversation.com/profiles/andrew-king-103126">Andrew King</a>, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</a></em></p> <p>The world is very warm right now. We’re not only seeing record temperatures, but the records are being broken by record-wide margins.</p> <p>Take the preliminary September global-average temperature anomaly of 1.7°C above pre-industrial levels, for example. It’s an incredible 0.5°C above the previous record.</p> <p>So why is the world so incredibly hot right now? And what does it mean for keeping our Paris Agreement targets?</p> <p>Here are six contributing factors – with climate change the main reason temperatures are so high.</p> <h2>1. El Niño</h2> <p>One reason for the exceptional heat is we are in a <a href="http://www.bom.gov.au/climate/enso/#tabs=Pacific-Ocean">significant El Niño</a> that is still strengthening. During El Niño we see warming of the surface ocean over much of the tropical Pacific. This warming, and the effects of El Niño in other parts of the world, raises global average temperatures by <a href="https://www.realclimate.org/index.php/archives/2023/01/2022-updates-to-the-temperature-records/">about 0.1 to 0.2°C</a>.</p> <p>Taking into account the fact we’ve just come out of a triple La Niña, which cools global average temperatures slightly, and the fact this is the first major El Niño in eight years, it’s not too surprising we’re seeing unusually high temperatures at the moment.</p> <p>Still, El Niño alone isn’t enough to explain the crazily high temperatures the world is experiencing.</p> <h2>2. Falling pollution</h2> <p>Air pollution from human activities cools the planet and has offset some of the warming caused by humanity’s greenhouse gas emissions. There have been efforts to reduce this pollution – since 2020 there has been an <a href="https://sdg.iisd.org/news/imo-advances-measures-to-reduce-emissions-from-international-shipping/">international agreement</a> to reduce sulphur dioxide emissions from the global shipping industry.</p> <p>It has been speculated this cleaner air has contributed to the recent heat, particularly over the record-warm <a href="https://climate.copernicus.eu/record-breaking-north-atlantic-ocean-temperatures-contribute-extreme-marine-heatwaves">north Atlantic</a> and Pacific regions with high shipping traffic.</p> <p>It’s likely this is contributing to the extreme high global temperatures – but only on the order of hundredths of a degree. <a href="https://www.carbonbrief.org/analysis-how-low-sulphur-shipping-rules-are-affecting-global-warming/">Recent analysis</a> suggests the effect of the 2020 shipping agreement is about an extra 0.05°C warming by 2050.</p> <h2>3. Increasing solar activity</h2> <p>While falling pollution levels mean more of the Sun’s energy reaches Earth’s surface, the amount of the energy the Sun emits is itself variable. There are different solar cycles, but an 11-year cycle is the most relevant one to today’s climate.</p> <p>The Sun is becoming <a href="https://edition.cnn.com/2023/07/14/world/solar-maximum-activity-2024-scn/index.html">more active</a> from a minimum in late 2019. This is also contributing a small amount to the spike in global temperatures. Overall, increasing solar activity is contributing only hundredths of a degree at most to the recent global heat.</p> <h2>4. Water vapour from Hunga Tonga eruption</h2> <p>On January 15 2022 the underwater <a href="https://www.jpl.nasa.gov/images/pia26006-hunga-tonga-hunga-haapai-eruption">Hunga Tonga–Hunga Haʻapai volcano erupted</a> in the South Pacific Ocean, sending large amounts of water vapour high up into the upper atmosphere. Water vapour is a greenhouse gas, so increasing its concentration in the atmosphere in this way does intensify the greenhouse effect.</p> <p>Even though the eruption happened almost two years ago, it’s still having a small warming effect on the planet. However, as with the reduced pollution and increasing solar activity, we’re talking about hundredths of a degree.</p> <figure><iframe src="https://www.youtube.com/embed/6oANPi-SWN0?wmode=transparent&amp;start=0" width="440" height="260" frameborder="0" allowfullscreen="allowfullscreen"></iframe></figure> <h2>5. Bad luck</h2> <p>We see variability in global temperatures from one year to the next even without factors like El Niño or major changes in pollution. Part of the reason this September was so extreme was likely due to weather systems being in the right place to heat the land surface.</p> <p>When we have persistent high-pressure systems over land regions, as seen recently over places like <a href="https://www.theguardian.com/environment/2023/oct/01/autumn-heat-continues-in-europe-after-record-breaking-september">western Europe</a> and <a href="https://www.abc.net.au/news/2023-09-19/australia-weather-september-heat-records-tumble/102870294">Australia</a>, we see local temperatures rise and the conditions for unseasonable heat.</p> <p>As water requires more energy to warm and the ocean moves around, we don’t see the same quick response in temperatures over the seas when we have high-pressure systems.</p> <p>The positioning of weather systems warming up many land areas coupled with persistent ocean heat is likely a contributor to the global-average heat too.</p> <h2>6. Climate change</h2> <p>By far the biggest contributor to the overall +1.7°C global temperature anomaly is human-caused climate change. Overall, humanity’s effect on the climate has been a global warming of <a href="https://www.globalwarmingindex.org/">about 1.2°C</a>.</p> <p>The record-high rate of greenhouse gas emissions means we should expect global warming to accelerate too.</p> <p>While humanity’s greenhouse gas emissions explain the trend seen in September temperatures over many decades, they don’t really explain the big difference from last September (when the greenhouse effect was almost as strong as it is today) and September 2023.</p> <p>Much of the difference between this year and last comes back to the switch from La Niña to El Niño, and the right weather systems in the right place at the right time.</p> <h2>The upshot: we need to accelerate climate action</h2> <p>September 2023 shows that with a combination of climate change and other factors aligning we can see alarmingly high temperatures.</p> <p>These anomalies may appear to be above the 1.5°C global warming level referred to in the Paris Agreement, but that’s about keeping <a href="https://climateanalytics.org/briefings/understanding-the-paris-agreements-long-term-temperature-goal/">long-term global warming</a> to low levels and not individual months of heat.</p> <p>But we are seeing the effects of climate change unfolding more and more clearly.</p> <p>The most vulnerable are suffering the biggest impacts as wealthier nations continue to emit the largest proportion of greenhouse gases. Humanity must accelerate the path to net zero to prevent more record-shattering global temperatures and damaging extreme events.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/215140/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><em><a href="https://theconversation.com/profiles/andrew-king-103126">Andrew King</a>, Senior Lecturer in Climate Science, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</a></em></p> <p><em>Image credits: Getty Images</em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/6-reasons-why-global-temperatures-are-spiking-right-now-215140">original article</a>.</em></p>

Travel Trouble

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Kids dressing up as older people is harmless fun, right? No, it’s ageist, whatever Bluey says

<p><em><a href="https://theconversation.com/profiles/lisa-mitchell-1143692">Lisa Mitchell</a>, <a href="https://theconversation.com/institutions/deakin-university-757">Deakin University</a></em></p> <p>A child once approached me, hunched over, carrying a vacuum cleaner like a walking stick. In a wobbly voice, he asked: "Do you want to play grannies?"</p> <p>The idea came from the children’s TV show Bluey, which <a href="https://www.facebook.com/ABCKidsCommunity/videos/bluey-grannies/468144817266668/">has</a> <a href="https://www.facebook.com/ABCKidsCommunity/videos/new-bluey-episodes-the-grannies-are-back-abc-kids/371436135028190/">episodes</a>, <a href="https://www.bluey.tv/products/grannies-book/">a book</a>, <a href="https://www.discountmags.com/magazine/bluey-september-1-2023-digital">magazine</a> editions and an <a href="https://www.facebook.com/OfficialBlueyTV/videos/grannies-filter-bluey/5728362390510269/">image filter</a> about dressing up as “grannies”.</p> <p>Children are also dressing up as 100-year-olds to mark their first “100 days of school”, an idea <a href="https://www.theage.com.au/national/victoria/old-people-s-home-for-five-year-olds-prep-students-don-senior-citizen-attire-20230801-p5dszb.html">gaining popularity</a> <a href="https://www.smh.com.au/education/cardigans-wigs-and-canes-why-kindy-students-are-dressing-up-as-100-year-olds-20230720-p5dpu8.html">in Australia</a>.</p> <p>Is this all just harmless fun?</p> <h2>How stereotypes take hold</h2> <p>When I look at the older people in my life, or the patients I see as a geriatrician, I cannot imagine how to suck out the individual to formulate a “look”.</p> <p>But Google “older person dress-ups” and you will find <a href="https://www.pinterest.com.au/pin/dress-up-like-youre-100-years-old-100thdayofschool--15199717464361356/">Pinterests</a> and <a href="https://www.wikihow.com/Dress-Up-Like-an-Old-Person#:%7E:text=Dress%20in%20comfortable%2C%20loose%2Dfitting,older%20people%20may%20wear%20include%3A&amp;text=Oversized%20sweatshirts">Wikihow pages</a> doing just that.</p> <p>Waistcoats, walking sticks, glasses and hunched backs are the key. If you’re a “granny”, don’t forget a <a href="https://www.facebook.com/OfficialBlueyTV/videos/games-you-can-play-at-home-grannies-bluey/645964056227345/">shawl and tinned beans</a>. You can buy “old lady” <a href="https://www.spotlightstores.com/party/costumes-and-accessories/costume-accessories/wigs-hair-accessories/wigs/spartys-kids-old-lady-wig-with-curlers/80578132?gclsrc=aw.ds&amp;gclsrc=aw.ds&amp;gclid=Cj0KCQjw0vWnBhC6ARIsAJpJM6emZHoNxO72pUa80Wc8ihYYiq3AohZ_w72jmuWBBDlficdCMy_rsK8aAj47EALw_wcB">wigs</a> or an “old man” <a href="https://www.bigw.com.au/product/facial-hair-set-old-man-3-pieces/p/305026">moustache and bushy eyebrows</a>.</p> <p>This depiction of how older people look and behave is a stereotype. And if dressing up as an older person is an example, such stereotypes are all around us.</p> <h2>What’s the harm?</h2> <p>There is <a href="https://onlinelibrary.wiley.com/doi/abs/10.1111/hypa.12170">some debate</a> about whether stereotyping is intrinsically wrong, and if it is, why. But there is plenty of research about the harms of <em>age</em> stereotypes or ageism. That’s harm to current older people and harm to future older people.</p> <p>The World Health Organization <a href="https://www.who.int/health-topics/ageism#tab=tab_1">defines ageism</a> as: "the stereotypes (how we think), prejudice (how we feel) and discrimination (how we act) towards others or ourselves based on age."</p> <p>Ageism <a href="https://www.who.int/health-topics/ageism#tab=tab_1">contributes to</a> social isolation, reduced health and life expectancy and costs economies <a href="https://academic.oup.com/gerontologist/article/60/1/174/5166947">billions of dollars</a> globally.</p> <p>When it comes to health, the impact of negative stereotypes and beliefs about ageing may be even <a href="https://academic.oup.com/gerontologist/article/60/1/174/5166947">more harmful</a> than the discrimination itself.</p> <p>In laboratory studies, older people perform <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC4360754/">worse</a> than expected on tasks such as memory or thinking after being shown negative stereotypes about ageing. This may be due to a “<a href="https://www.simplypsychology.org/stereotype-threat.html">stereotype threat</a>”. This is when a person’s performance is impaired because they are worried about confirming a negative stereotype about the group they belong to. In other words, they perform less well because they’re worried about acting “old”.</p> <p>Another theory is “stereotype embodiment”. This is where people absorb negative stereotypes throughout their life and come to believe decline is an inevitable consequence of ageing. This leads to biological, psychological and physiological changes that <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC2927354/">create</a> a self-fulfilling prophecy.</p> <p>I have seen this in my clinic with people who do well, until they realise they’re an older person – a birthday, a fall, a revelation when they look in the mirror. Then, they stop going out, stop exercising, stop seeing their friends.</p> <p>Evidence for “stereotype embodiment” comes from studies that show people with more negative views about ageing are more likely to have higher levels of stress hormones (such as cortisol and C-reactive protein) and are <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC7182003/">less likely</a> to engage in health behaviours, such as exercising and eating healthy foods.</p> <p>Younger adults with negative views about ageing are <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC2666386/">more likely</a> to have a heart attack up to about 40 years later. People with the most negative attitudes towards ageing have a lower life expectancy by as much as <a href="https://pubmed.ncbi.nlm.nih.gov/12150226/">7.5 years</a>.</p> <p>Children are particularly susceptible to absorbing stereotypes, a process <a href="https://psycnet.apa.org/record/2007-09385-010">that starts</a> in early childhood.</p> <h2>Ageism is all around us</h2> <p><a href="https://www.who.int/health-topics/ageism#tab=tab_1">One in two people</a> have ageist views, so tackling ageism is complicated given it is socially acceptable and normalised.</p> <p>Think of all the birthday cards and jokes about ageing or phrases like “geezer” and “old duck”. Assuming a person (including yourself) is “too old” for something. Older people say it is harder to <a href="https://www.abc.net.au/news/2023-07-06/senior-job-seekers-struggle-to-get-a-foot-in-the-door/102563144">find work</a> and they face discrimination in <a href="https://www.hcnsw.org.au/wp-content/uploads/2021/03/Ageism-in-Health-Care_final.pdf">health care</a>.</p> <h2>How can we reduce ageism?</h2> <p>We can reduce ageism through laws, policies and education. But we can also reduce it via <a href="https://www.who.int/health-topics/ageism#tab=tab_1">intergenerational contact</a>, where older people and younger people come together. This helps break down the segregation that allows stereotypes to fester. Think of the TV series <a href="https://iview.abc.net.au/show/old-people-s-home-for-4-year-olds">Old People’s Home for 4 Year Olds</a> or the follow-up <a href="https://iview.abc.net.au/show/old-people-s-home-for-teenagers">Old People’s Home for Teenagers</a>. More simply, children can hang out with their older relatives, neighbours and friends.</p> <p>We can also challenge a negative view of ageing. What if we allowed kids to imagine their lives as grandparents and 100-year-olds as freely as they view their current selves? What would be the harm in that?<img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/212607/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><a href="https://theconversation.com/profiles/lisa-mitchell-1143692"><em>Lisa Mitchell</em></a><em>, Geriatrician working in clinical practice. PhD Candidate at The University of Melbourne studying ethics and ageism in health care. Affiliate lecturer, <a href="https://theconversation.com/institutions/deakin-university-757">Deakin 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/kids-dressing-up-as-older-people-is-harmless-fun-right-no-its-ageist-whatever-bluey-says-212607">original article</a>.</em></p>

Retirement Life

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Royal family's 175-year-old right to hunt comes to an end

<p>The royal family can no longer hunt at the five-century old Abergeldie Estate that is next door to Balmoral Castle.</p> <p>Abergeldie's new owner, Alastair Storey, has terminated the royal family's sporting rights lease, established by Prince Albert in 1852, which means they can no longer go hunting, deer stalking or fishing at the estate, ending the 175-year-old tradition.</p> <p>Storey reportedly has plans to "transform" buildings on the estate into private accommodation and hunting lodges, according to the Daily Telegraph.</p> <p>Planning documents filed with Aberdeenshire council confirmed this: "For the last 175 years the Royal family have leased the sporting rights at Abergeldie but this has now ceased, and will be actively run by the new Laird.</p> <p>"To facilitate the transformation and to effectively run the estate, new facilities will be required."</p> <p>The documents also stated that the buildings around the farmhouse "facilitate accommodation for the running of the estate and will include a social space for paying visitors to support the sporting activities on the estate".</p> <p>This is a huge change from the original agreements Prince Albert drew up with the Gordon family, who previously owned the estate.</p> <p>This also comes after the late Queen agreed to pay more for the shooting and hunting rights on the sporting estate 25 years ago, after she was asked to increase the nominal rent that was being paid by the royal family for access.</p> <p>The 11,532-acre estate is nestled between the late Queen Elizabeth's former estate and the King's residence, Birkhall.</p> <p>It was sold in 2021 after the death of the 21st Baron of Abergeldie, John Gordon - who was also a friend of the late monarch - to Storey, who bought the estate for £23 million.</p> <p>Although Storey purchased 34 properties dotted around the vast estate, he has not bought out Abergeldie Castle, which still belongs to the Gordon family.</p> <p>Storey, 70, is a Scottish businessman and chief executive of WSH, and was labelled the "most influential man in the UK hospitality industry" in 2012.</p> <p>He was made an Order of the British Empire (OBE) by Queen Elizabeth in 2017.</p> <p><em>Images: Getty</em></p>

Family & Pets

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Ken’s rights? Our research shows Barbie is surprisingly accurate on how ‘men’s rights activists’ are radicalised

<p><em><a href="https://theconversation.com/profiles/lucy-nicholas-145660">Lucy Nicholas</a>, <a href="https://theconversation.com/institutions/western-sydney-university-1092">Western Sydney University</a></em></p> <p>In the Barbie movie, we open with a picture of a perfect Barbieland where (almost) everyone is happy, diversity and sisterhood are embraced, and Barbies hold all positions of power.</p> <p>The Kens however, reflecting the popularity of the dolls in the real world, play a mainly decorative role.</p> <p><em>Spoilers for Barbie follow.</em></p> <p>In the film, we see a disgruntled Ken (played hilariously by Ryan Gosling) follow “Stereotypical” Barbie (Margot Robbie) to the real world where she has to find her human owner. This is all to fix an error that is allowing the real world to seep into Barbie land, with symptoms such as Barbie having an existential crisis.</p> <p>In the real world, Ken discovers the concept of the patriarchy. This sees him take a journey that is clearly influenced by, and pokes fun at, many aspects of contemporary anti-feminist men’s rights culture.</p> <figure><iframe src="https://www.youtube.com/embed/pBk4NYhWNMM?wmode=transparent&amp;start=0" width="440" height="260" frameborder="0" allowfullscreen="allowfullscreen"></iframe></figure> <h2>Barbieland and the matriarchy</h2> <p>It has been proposed that <a href="https://theconversation.com/in-greta-gerwigs-barbie-land-the-matriarchy-can-be-just-as-bad-as-the-patriarchy-209317">Barbieland is a matriarchy</a>, but I would argue that their attitude to Kens is instead indifference.</p> <p>Ken was aggrieved that Barbie didn’t notice him and reciprocate his affections. This is not dissimilar to the grievances of some real-life men under contemporary feminism. Why don’t women’s lives revolve around them? And what can they do to address this perceived injustice?</p> <p>The movie cleverly parallels the emotions, narratives and logics that lead men to extreme antifeminist and misogynistic thinking, and in doing so exposes the flimsiness of their foundations.</p> <p>Having undertaken <a href="https://apo.org.au/sites/default/files/resource-files/2020-12/apo-nid307612.pdf">research</a> on online antifeminist discourses, Ken’s journey from aggrievement to masculine “enlightenment” parallels themes we found in Men’s Rights Activist spaces.</p> <p>Radicalisation into this world is often motivated by a feeling among boys and men of being left behind by a feminist world or system that doesn’t value them. This then leads them to long for an imagined natural order of patriarchy where women are back in their place and men regain their entitlements.</p> <p>These logics underpin <a href="https://theconversation.com/yes-the-incel-community-has-a-sexism-problem-but-we-can-do-something-about-it-207206">incel</a> culture, a movement that is increasingly understood as a terror threat, and has been associated with various acts of terror, such as the 2022 Aotearoa New Zealand <a href="https://www.nzherald.co.nz/nz/closest-to-an-incel-attack-nz-has-had-experts-concern-after-attempted-murder-of-auckland-schoolgirls/HYPEVZ6F4BFT3CV2O4SXS5FR7U/">Epsom crash case</a>.</p> <h2>The manosphere and MRAS</h2> <p>The “<a href="https://link.springer.com/chapter/10.1007/978-3-319-68360-7_2">manosphere</a>” can be understood as a loose coalition of antifeminist online subcultures.</p> <p>This includes MRAs (<a href="https://journals.sagepub.com/doi/full/10.1177/1097184X15574338">Men’s Rights Activists</a>) who claim reverse discrimination and that feminism has gone too far, and <a href="https://journals.sagepub.com/doi/full/10.1177/1097184X18816118">Redpillers</a> who claim to have swallowed the “red pill” to see the truth about feminism’s dominance. PUAs (<a href="https://repository.upenn.edu/entities/publication/d8971ded-1ec3-4939-8c0a-ab248dad62ba">Pick up Artists</a>) teach men how to manipulate the women they feel they are entitled to, to give them sex; and MGTOWs (<a href="https://www.tandfonline.com/doi/full/10.1080/1369118X.2020.1751867">Men Going Their Own Way</a>), who are antifeminist separatists (from women).</p> <p>Some of the most well known members of the manosphere are incels (involuntary celibates) a misogynistic community of self identified “beta-males” who want an end to women’s rights which prevent them from getting sex.</p> <h2>Ken’s grievances</h2> <p>Like many MRAs, Ken struggles with a sense of entitlement romantically (rather than sexually in genital-free Barbieland), and in attitudes to power and respect.</p> <p>Ken was being “<a href="https://www.merriam-webster.com/dictionary/friend%20zone">friend-zoned</a>” by Barbie, who despite being “boyfriend and girlfriend” wouldn’t let him stay over at the Dream House, because “every night is girl’s night”.</p> <p>This is coupled with a feeling of not being special, as Ken is essentially interchangeable with any other Ken. He is also “alpha’d” by other Kens: in the language of the manosphere, Barbie is a <a href="https://www.abc.net.au/news/2018-04-27/incels-inside-their-terrifying-online-world/9700932">“Stacy” and the other Ken is an alpha “Chad”</a> preventing him from getting what he wants.</p> <p>In <a href="https://apo.org.au/sites/default/files/resource-files/2020-12/apo-nid307612.pdf">our data</a> we found women are often described as “overlords”, man-haters, misandrists and “feminazis”. Among other concerns, men perceive economic loss due to women’s participation in the workplace, and crucially a lack of men’s sexual access to women brought about by the gains of feminism such as the awareness raised around consent by the #metoo movement.</p> <p>These men all share a starting point of grievance at women and their perceived indifference towards them.</p> <p>When Ken goes to the real world, he discovers patriarchy and he LOVES it. He has been “redpilled”. Patriarchy explains his aggrievement, and affirms his feelings. He takes patriarchy back to Barbieland and transforms it to Kendom, where the men change it to a society oriented around men and their power (and horses…).</p> <figure><iframe src="https://www.youtube.com/embed/Y1IgAEejvqM?wmode=transparent&amp;start=0" width="440" height="260" frameborder="0" allowfullscreen="allowfullscreen"></iframe></figure> <h2>Redpilled ken</h2> <p>This redpilled Ken is a hilarious parody of the “neomasculinity” of the pick up artist (PUA) movement, that seeks to restore a masculine-centred world.</p> <p>Neomasculinity is about a belief in biological difference, traditional masculinity and heteronormative gender roles.</p> <p>The amusing depiction of the Kens trying to perform traditional <a href="https://www.britannica.com/topic/hypermasculinity">hypermasculinity</a> and needing their egos stroked – such as in a hilarious scene where the Kens are serenading the Barbies on the beach with an acoustic rendition of Matchbox Twenty’s <a href="https://youtu.be/HAkHqYlqops">Push</a> (“I wanna push you around … I wanna take you for granted”) – brilliantly shows the extent to which toxic masculinity is learned.</p> <figure><iframe src="https://www.youtube.com/embed/HAkHqYlqops?wmode=transparent&amp;start=0" width="440" height="260" frameborder="0" allowfullscreen="allowfullscreen"></iframe></figure> <p>Additionally, the competition among the Kens (that the Barbies ultimately stoke to overturn the Kentriarchy) is the perfect illustration of the damage toxic models of masculinity does to men. As Australian sociologist Raewyn Connell has long argued, almost no men can live up to <a href="https://www.jstor.org/stable/27640853">masculine ideals</a>, resulting in negative outcomes not just for women but also for men themselves.</p> <h2>Finding the real Ken</h2> <p>The movie ends with Barbie, her human (America Ferrera), “Weird Barbie” (Kate McKinnon) and Allan (Michael Cera) deprogramming the brainwashed Barbies and turning the Kens against each other.</p> <p>But what of Just Beach Ken? And what can we learn from this for preventing or managing radicalisation of this feeling of aggrievement in real men or boys?</p> <p>Well, Barbie and Ken reach a middle ground. Barbie encourages Ken to work out who he is outside of his relation to Barbie, and to learn being Just Ken is enough.</p> <p>This isn’t dissimilar to the methods of men’s behaviour change programs and counselling for men who use violence, which use <a href="https://www.tandfonline.com/doi/full/10.1080/10926771.2023.2189043">trauma-informed motivational interviewing</a>, reflect on challenging gender norms and breaking down rigid thought processes, and developing emotional literacy and communication strategies.</p> <p>But it also illustrates that men and boys need alternative narratives to make sense of themselves in the world, and alternative communities for affirmation, before it gets to this stage.</p> <p>In <a href="https://apo.org.au/sites/default/files/resource-files/2020-12/apo-nid307612.pdf">our report</a>, we recommended: "Providing alternative narratives and considering how far-right [or MRA] groups provide men with emotional support networks, with a view to providing better alternatives."</p> <p>Feminism has consistently been about separating attributes from their gendered associations, breaking down the Barbie/Ken binary. So if there is one thing we can take away from the Barbie movie, it is that hierarchy and rigid gender benefits nobody, and power and social roles have nothing to do with the genitals you are born with.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/210273/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><a href="https://theconversation.com/profiles/lucy-nicholas-145660"><em>Lucy Nicholas</em></a><em>, Associate professor Sexualities and Genders / Sociology, <a href="https://theconversation.com/institutions/western-sydney-university-1092">Western Sydney University</a></em></p> <p><em>Image credits: Warner Bros.</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/kens-rights-our-research-shows-barbie-is-surprisingly-accurate-on-how-mens-rights-activists-are-radicalised-210273">original article</a>.</em></p>

Caring

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Eggs are so expensive right now. What else can I use?

<p><em><a href="https://theconversation.com/profiles/evangeline-mantzioris-153250">Evangeline Mantzioris</a>, <a href="https://theconversation.com/institutions/university-of-south-australia-1180">University of South Australia</a></em></p> <p>The price of eggs <a href="https://www.abc.net.au/news/2023-06-14/egg-shortage-high-prices-blamed-on-shift-from-cage-to-free-range/102474282">is rising</a>. So many of us may be looking for cheaper alternatives.</p> <p>First, the bad news. Nothing can replace a boiled, poached or fried egg.</p> <p>Now, the good news. Lots of other ingredients can make foods puff and rise, give your meal a rich taste, or hold together ingredients.</p> <p>So try using some of these egg substitutes and save the real eggs for your breakfast.</p> <h2>Why are eggs so popular?</h2> <p>Eggs are incredibly <a href="https://www.foodstandards.gov.au/science/monitoringnutrients/afcd/pages/default.aspx">nutritious</a>. They’re a <a href="https://www.mdpi.com/2072-6643/11/3/684">rich source</a> of protein, vitamins A and D, pigments called carotenoids, and minerals.</p> <p>Eggs are also versatile. We use them to make a range of savoury and sweet foods, sauces and drinks, not to mention breakfast.</p> <p>Their popularity and versatility lies in the unique characteristics of the two main parts of the egg – the white and yolk. Each contribute <a href="https://www.amazon.com.au/Food-Cooking-Harold-McGee/dp/0684800012">different properties</a> in cooking.</p> <p><a href="https://www.mdpi.com/2072-6643/11/3/684">Egg yolk</a> is about 55% water, 27% fats, 16% protein (with small amounts of carbohydrate). <a href="https://www.mdpi.com/2072-6643/11/3/684">Egg white</a> is about 10% protein and 90% water, with only traces of fat and carbohydrates. Different types of protein in egg white contribute to them foaming when whisked.</p> <h2>Eggs are versatile</h2> <p>Eggs have a <a href="https://www.sciencedirect.com/science/article/pii/S0268005X2200131X?casa_token=1yXlEb1uvwQAAAAA:s3h5KCozwn-hjIn6kLOEoW45An255V6Z0G8TcJAQgTejfLEwV7nKqkS6VPWXiNkNxR4m5Mr2lHc">different role</a> in different types of cooking.</p> <p><strong>1. Eggs are a raising agent</strong></p> <p>Beaten or whisked eggs act as a raising agent by creating pockets of air in foods, which expand with cooking, making the foods puff and rise. This gives baked products like cakes, biscuits and muffins volume and an airy feel.</p> <p>Using just the egg white leads to a remarkably light and delicate foam, as we see in meringues. In mousse and souffles the whites and the yolk are beaten separately, then mixed together. This leads to a light, airy and smooth texture.</p> <p><strong>2. Eggs hold together other ingredients</strong></p> <p>Eggs combine ingredients and hold them together during cooking. This gives foods – such as vegetable or meat patties – their structure.</p> <p><strong>3. Eggs bind other liquids</strong></p> <p>The liquid from eggs binds other liquids from other ingredients in the recipe into a soft, moist and tender mass. We see this in scrambled eggs, omelettes and egg custard.</p> <p><strong>4. Eggs act as emulsifiers</strong></p> <p>The egg yolk contains different proteins (livetin, phosvitin) and lipoproteins (lecithin). These act as emulsifiers, allowing fat and water to mix together in foods such as mayonnaise and hollandaise sauce.</p> <p><strong>5. Eggs boost flavour</strong></p> <p>The fat in egg yolks helps carry and release the flavour of some fat-soluble components of food. These foods <a href="https://www.sciencedirect.com/science/article/pii/S0924224401000796">may taste differently</a> without the eggs. Eggs also contribute to foods feeling soft in the mouth.</p> <p>As eggs have different roles in cooking, you may need different egg substitutes depending on the outcome you want. Here are some cheaper (and vegan) options.</p> <h2>Aquafaba</h2> <p>Aquafaba is the liquid drained from cans of bean – typically from chickpeas as it has the most neutral flavour. This is the all-round winner, especially as most of us probably throw it away without realising what a gem it is.</p> <p>Aquafaba is <a href="https://www.sciencedirect.com/science/article/pii/S0924224421001424?casa_token=P45Z4G2SFdsAAAAA:DRy8adcAU_QHl96LONyWOEhUXvrExVZsJ18xKvc8OiPYeVKHSOkGOKefiixXFPY9UhdscEaHF70">versatile</a>. You can whip it up like egg whites to form a foam that can be used to make meringue (even pavlova), gelato, in baked goods, and for binding ingredients in patties. It also contains emulsifiers and can be used to make mayonnaise.</p> <p>You’ll need different quantities of aquafaba depending on the recipe. Generally, though, you use about two to three tablespoons of aquafaba to replace the volume of fluid from an egg.</p> <p>On the downside, aquafaba can taste a bit beany. So it is best to use it with stronger flavours to overcome this.</p> <p>Nutritionally, <a href="https://www.sciencedirect.com/science/article/abs/pii/S0924224421001424?via%3Dihub">aquafaba</a> has small amounts of carbohydrate (about 2.6g/100 millilitre), and negligible levels of protein (about 1.3g/100 millilitre).</p> <p>You can also freeze aquafaba.</p> <h2>Vinegar and baking soda</h2> <p>Mixing a teaspoon of baking soda with a tablespoon of vinegar can replace an egg in most baked goods. This produces carbon dioxide, which is trapped into air pockets, and makes foods rise.</p> <p>This is a very cheap option, however its success may be limited by how heavy the rest of the ingredients are. This combination also has very little nutritional value.</p> <h2>Commercial egg replacements</h2> <p>These are available at most supermarkets, are very cheap compared with eggs, have a long shelf life, and are easy to use, with instructions on the packaging.</p> <p>Typically, they contain different starches from potato, tapioca and pea protein (which act as leavening agents and form foams), along with raising agents. They are recommended for use in baked goods. However they have very little nutritional value compared to an egg.</p> <h2>Flaxseed meal and chia seeds</h2> <p>Use either a tablespoon of flaxseed meal, or chia seeds, added to about three tablespoons of water. Allow the mixture to sit for a few minutes to form a gel.</p> <p>The gels can be used in baked goods, however this option isn’t as cheap as the others, and has a slight nutty taste.</p> <p>Both these seeds provide nutritional value. They are both rich in the plant-based omega-3 fatty acid called alpha-linolenic acid. We <a href="https://academic.oup.com/ajcn/article/59/6/1304/4715808">can convert</a> this fatty acid into healthy omega-3 fatty acids, but at a slow rate. These seeds also provide fibre, polyphenols and antioxidants.</p> <h2>Tofu</h2> <p>Tofu, which is made from soybeans, is widely available and fairly cheap. It has the most “eggy” appearance and so makes it ideal as a substitute for scrambled eggs and in quiche. However, you will need to use silken tofu and puree it.</p> <p>Tofu is highly nutritious and provides protein, fat, calcium, polyphenols and anti-oxidants.</p> <p>You could also use soy flour. Add one tablespoon to three tablespoons of water, then use immediately in baking and for binding ingredients together. However, soy flour does not contain calcium, which tofu does.</p> <h2>Mashed fruit</h2> <p>Mashed bananas or applesauce are also used as egg substitutes. These mainly act to bind and hold moisture in the food and help carry the flavours.</p> <p>You also get the nutritional value of the fruit. Due to the natural sugar that in fruit, this will sweeten your baked goods so you will need to drop the sugar by about a tablespoon (or more) for each piece of fruit you add.<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/207837/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><em><a href="https://theconversation.com/profiles/evangeline-mantzioris-153250">Evangeline Mantzioris</a>, Program Director of Nutrition and Food Sciences, Accredited Practising Dietitian, <a href="https://theconversation.com/institutions/university-of-south-australia-1180">University of South Australia</a></em></p> <p><em>Image credits: Getty Images</em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/eggs-are-so-expensive-right-now-what-else-can-i-use-207837">original article</a>.</em></p>

Food & Wine

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‘Psychological debriefing’ right after an accident or trauma can do more harm than good – here’s why

<p><em><a href="https://theconversation.com/profiles/richard-bryant-161">Richard Bryant</a>, <a href="https://theconversation.com/institutions/unsw-sydney-1414">UNSW Sydney</a></em></p> <p>The recent <a href="https://www.abc.net.au/news/2023-06-18/hunter-valley-wedding-bus-crash-survivors-remain-in-hospital/102487630">tragic bus accident</a> in the New South Wales Hunter Valley has again raised the issue of how we address the potential psychological effects of traumatic events.</p> <p>It is interesting we revisit the same debate after each disaster, and few lessons have apparently been learned after decades of research. After the Hunter Valley accident, immediate psychological counselling was <a href="https://www.theguardian.com/australia-news/2023/jun/15/hunter-valley-bus-crash-company-issued-with-defect-notices-after-police-raid">offered to those affected</a>.</p> <p>While we can’t say what form of counselling was offered, the traditional approach is known as “<a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC1118833/">psychological debriefing</a>”. This typically involves counsellors providing trauma survivors with a single counselling intervention within days of the event.</p> <p>Although the content of the intervention can vary, it usually involves education about stress reactions, encouragement to disclose their memories of the experience, some basic stress-coping strategies and possibly referral information.</p> <p>But the evidence shows this approach, however well-meaning, may not help – or worse, do harm.</p> <h2>The belief that feelings must be shared</h2> <p>The encouragement of people to discuss their emotional reactions to a trauma is the result of a long-held notion in psychology (dating back to the classic writings of Sigmund Freud) that disclosure of one’s emotions is invariably beneficial for one’s mental health.</p> <p>Emanating from this perspective, the impetus for psychological debriefing has traditionally been rooted in the notion trauma survivors are vulnerable to psychological disorders, such as post-traumatic stress disorder (PTSD), if they do not “talk through their trauma” by receiving this very <a href="https://journals.sagepub.com/doi/full/10.1177/1529100610387086">early intervention</a>.</p> <p>The scenario of trauma counsellors appearing in the acute aftermath of traumatic events has been commonplace for decades in Australia and elsewhere.</p> <p>Following the 9/11 terrorist attacks in New York City in 2001, up to 9,000 counsellors were mobilised and more than <a href="https://www.nytimes.com/2002/07/22/nyregion/finding-cure-for-hearts-broken-sept-11-is-as-difficult-as-explaining-the-cost.html">US$200 million</a> was projected to meet a surge in mental health needs. But fewer people than expected sought help under this program and $90 million remained <a href="https://theconversation.com/9-11-anniversary-a-watershed-for-psychological-response-to-disasters-2975">unspent</a>.</p> <h2>What do we know about psychological reactions to disasters?</h2> <p>The overwhelming evidence indicates the majority of people will <a href="http://www.psychologicalscience.org/publications/journals/pspi/weighing-the-costs-of-disaster.html">adapt</a> to traumatic events without any psychological intervention.</p> <p>Long-term studies indicate approximately 75% of trauma survivors will not experience any long-term distress. Others will experience short-term distress and subsequently adapt. A minority (usually about 10%) will <a href="https://journals.sagepub.com/doi/10.1177/1529100610387086">experience chronic psychological problems</a>.</p> <p>This last group are the ones who require care and attention to reduce their mental health problems. Experts now agree other trauma survivors can rely on their own <a href="https://www.rcpsych.ac.uk/mental-health/problems-disorders/coping-after-a-traumatic-event">coping resources and social networks</a> to adapt to their traumatic experience.</p> <p>The finding across many studies that most people adapt to traumatic experiences <a href="https://journals.sagepub.com/doi/10.1177/1529100610387086">without formal mental health interventions</a> has been a major impetus for questioning the value of psychological debriefing in the immediate aftermath of disasters.</p> <p>In short, the evidence tells us universal interventions – such as psychological debriefing for everyone involved in a disaster – that attempt to prevent PTSD and other psychological disorders in trauma survivors are not indicated. These attempts <a href="https://journals.sagepub.com/doi/10.1177/1529100610387086#bibr448-1529100610387086">do not prevent</a> the disorder they are targeting.</p> <h2>Not a new conclusion</h2> <p>In the aftermath of the 2004 Indian Ocean earthquake and tsunami, the World Health Organization listed a warning (which <a href="https://www.who.int/teams/mental-health-and-substance-use/treatment-care/mental-health-gap-action-programme/evidence-centre/other-significant-emotional-and-medical-unexplained-somatic-complaints/psychological-debriefing-in-people-exposed-to-a-recent-traumatic-event">still stands</a>) that people should not be given single-session psychological debriefing because it is <a href="https://journals.sagepub.com/doi/10.1177/1529100610387086#bibr448-1529100610387086">not supported</a> by evidence.</p> <p>Worse than merely being ineffective, debriefing can be <a href="https://www.jenonline.org/article/S0099-1767(19)30453-2/fulltext#:%7E:text=It%20is%20for%20these%20reasons,%2C%20anxiety%20or%20depressive%20symptoms.%E2%80%9D">harmful for some people</a> and may increase the risk of PTSD.</p> <p>The group of trauma survivors that are most vulnerable to the toxic effects of debriefing are those who are more distressed in the acute phase right after the trauma. This group of people have worse mental health outcomes if they are provided with early debriefing.</p> <p>This may be because their trauma memories are over-consolidated as a result of the emotional disclosure so shortly after the event, when <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC3181836/#:%7E:text=Brain%20areas%20implicated%20in%20the,norepinephrine%20responses%20to%20subsequent%20stressors.">stress hormones</a> are still highly active.</p> <p>In normal clinical practice a person would be assessed in terms of their suitability for any psychological intervention. But in the case of universal psychological debriefing there is no prior assessment. Therefore, there’s no assessment of the risks the intervention may pose for the person.</p> <h2>Replacing debriefing</h2> <p>Most international bodies have shifted away from psychological debriefing. Early intervention might now be offered as “<a href="https://www.sciencedirect.com/topics/medicine-and-dentistry/psychological-first-aid">psychological first aid</a>”.</p> <p>This newer approach is meant to provide <a href="https://www.who.int/publications/i/item/9789241548205">fundamental support and coping strategies</a> to help the person manage the immediate aftermath of adversity. One of the most important differences between psychological first aid and psychological debriefing is that it does not encourage people to disclose their emotional responses to the trauma.</p> <p>But despite the increasing popularity of psychological first aid, it is difficult to assess its effectiveness as it does not explicitly aim to prevent a disorder, such as PTSD.</p> <h2>Wanting to help</h2> <p>So if there is so much evidence, why do we keep having this debate about the optimal way to assist psychological adaptation after disasters? Perhaps it’s because it’s human nature to want to help.</p> <p>The evidence suggests we should monitor the most vulnerable people and target resources towards them when they need it – usually some weeks or months later when the dust of the trauma has settled. Counsellors might want to promote their activities in the acute phase after disasters, but it may not be in the best interest of the trauma survivors.</p> <p>In short, we need to develop better strategies to ensure we are meeting the needs of the survivors, rather than the counsellors.</p> <hr /> <p><em>If this article has raised issues for you, or if you’re concerned about someone you know, call Lifeline on 13 11 14.<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/208139/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></em></p> <p><em><a href="https://theconversation.com/profiles/richard-bryant-161">Richard Bryant</a>, Professor &amp; Director of Traumatic Stress Clinic, <a href="https://theconversation.com/institutions/unsw-sydney-1414">UNSW Sydney</a></em></p> <p><em>Image credits: Getty Images </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/psychological-debriefing-right-after-an-accident-or-trauma-can-do-more-harm-than-good-heres-why-208139">original article</a>.</em></p>

Caring

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How to pick the right course for you

<p>The benefits of keeping your mind busy are endless but deciding to undertake study requires some commitment. Follow these steps to ensure you are picking the right course for you.</p> <p><strong>Pick something you love</strong></p> <p>A good way to narrow this down is by making a list of things you like doing, subjects you enjoy reading about and your hobbies. Next, jot down the courses you think you’re interested in and that align with your list of interests. If you find any crossover, look more into those courses.</p> <p><strong>Do some research</strong></p> <p>Always make sure you look into something before you commit yourself. The best resources are the internet and the people around you. More often than not you will find information on the institution’s website. </p> <p><strong>Speak to people</strong></p> <p>Speak to your friends and family who have studied and find out what they have and haven’t liked about the courses and places they have studied. You will gain the best insight from someone who has studied a course himself/herself.</p> <p><strong>Trust your instincts</strong></p> <p>When you start looking into subject options, you should trust your feelings when picking a course or place to study. If there’s something you’re not comfortable with ask about it, if you’re not satisfied with the answer then perhaps it’s not the right course for you.</p> <p><strong>Review course content</strong></p> <p>Ensure you have a close look at the subjects or modules you will cover in a course you want to study. If you know the types of things required of you before you enrol and you’re comfortable with what’s ahead, it’s a great sign.</p> <p><strong>Consider course durations</strong></p> <p>Courses vary in time commitments and duration, and some courses even offer you the flexibility to choose. </p> <p><em>Image credit: Shutterstock</em></p>

Mind

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"This doesn’t feel right, does it?": Photographer admits Sony prize-winning photo was AI generated

<p>A German photographer is refusing an award for his prize-winning shot after admitting to being a “cheeky monkey”, revealing the image was generated using artificial intelligence.</p> <p>The artist, Boris Eldagsen, shared on his website that he would not be accepting the prestigious award for the creative open category, which he won at <a href="https://www.oversixty.co.nz/entertainment/art/winners-of-sony-world-photography-awards-revealed" target="_blank" rel="noopener">2023’s Sony world photography awards</a>.</p> <p>The winning photograph showcased a black and white image of two women from different generations.</p> <p>Eldagsen, who studied photography and visual arts at the Art Academy of Mainz, conceptual art and intermedia at the Academy of Fine Arts in Prague, and fine art at the Sarojini Naidu School of Arts and Communication in Hyderabad released a statement on his website, admitting he “applied as a cheeky monkey” to find out if competitions would be prepared for AI images to enter. “They are not,” he revealed.</p> <p>“We, the photo world, need an open discussion,” Eldagsen said.</p> <p>“A discussion about what we want to consider photography and what not. Is the umbrella of photography large enough to invite AI images to enter – or would this be a mistake?</p> <p>“With my refusal of the award I hope to speed up this debate.”</p> <p>Eldagsen said this was an “historic moment” as it was the fist AI image to have won a prestigious international photography competition, adding “How many of you knew or suspected that it was AI generated? Something about this doesn’t feel right, does it?</p> <p>“AI images and photography should not compete with each other in an award like this. They are different entities. AI is not photography. Therefore I will not accept the award.”</p> <p>The photographer suggested donating the prize to a photo festival in Odesa, Ukraine.</p> <p>It comes as a heated debate over the use and safety concerns of AI continue, with some going as far as to issue apocalyptic warnings that the technology may be close to causing irreparable damage to the human experience.</p> <p>Google’s chief executive, Sundar Pirchai said, “It can be very harmful if deployed wrongly and we don’t have all the answers there yet – and the technology is moving fast. So, does that keep me up at night? Absolutely.”</p> <p>A spokesperson for the World Photography Organisation admitted that the prize-winning photographer had confirmed the “co-creation” of the image using AI to them prior to winning the award.</p> <p>“The creative category of the open competition welcomes various experimental approaches to image making from cyanotypes and rayographs to cutting-edge digital practices. As such, following our correspondence with Boris and the warranties he provided, we felt that his entry fulfilled the criteria for this category, and we were supportive of his participation.</p> <p>“Additionally, we were looking forward to engaging in a more in-depth discussion on this topic and welcomed Boris’ wish for dialogue by preparing questions for a dedicated Q&amp;A with him for our website.</p> <p>“As he has now decided to decline his award we have suspended our activities with him and in keeping with his wishes have removed him from the competition. Given his actions and subsequent statement noting his deliberate attempts at misleading us, and therefore invalidating the warranties he provided, we no longer feel we are able to engage in a meaningful and constructive dialogue with him.</p> <p>“We recognise the importance of this subject and its impact on image-making today. We look forward to further exploring this topic via our various channels and programmes and welcome the conversation around it. While elements of AI practices are relevant in artistic contexts of image-making, the awards always have been and will continue to be a platform for championing the excellence and skill of photographers and artists working in the medium.”</p> <p><em>Image credit: Sony World Photography Awards</em></p>

Technology

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There’s a growing gap between countries advancing LGBTQ+ rights, and those going backwards

<p>Prime Minister Anthony Albanese and Foreign Minister Penny Wong joined 50,000 people to march in support of queer rights across the Sydney Harbour Bridge for World Pride in early March. A week earlier, Albanese became the first sitting prime minister to march in Sydney’s Mardi Gras, something he’s done over several decades.</p> <p>And yet at the same time, in another part of the world, Uganda’s parliament passed <a href="https://theconversation.com/ugandas-new-anti-lgbtq-law-could-lead-to-death-penalty-for-same-sex-offences-202376">a string of draconian measures</a> against homosexuality, including possible death sentences for “aggravated homosexuality”. Any “promotion” of homosexuality is also outlawed.</p> <p>Seven years ago, I co-wrote a book with Jonathan Symons called Queer Wars. Back then, we suggested there was <a href="https://researchers.mq.edu.au/en/publications/queer-wars-the-new-global-polarization-over-gay-rights">a growing gap</a>between countries in which sexual and gender diversity was becoming more acceptable, and those where repression was increasing. </p> <p>Sadly, that analysis seems even more relevant today.</p> <h2>A growing gap</h2> <p>Some countries have been unwinding criminal sanctions around homosexuality, which are often the legacy of colonialism. This includes, in recent years, former British colonies <a href="https://www.hrw.org/news/2022/08/22/singapore-decriminalize-gay-sex">Singapore</a> and <a href="https://www.theguardian.com/world/2018/sep/06/indian-supreme-court-decriminalises-homosexuality">India</a>.</p> <p>But others have been imposing new and more vicious penalties for any deviation from stereotypical assumptions of heterosexual masculine superiority (what Australian sociologist Raewyn Connell <a href="https://journals.sagepub.com/doi/abs/10.1177/0891243205278639">terms</a> “hegemonic masculinity”).</p> <p>Anti-gay legislation is currently pending in Ghana, which led US Vice President Kamala Harris to <a href="https://www.bbc.com/news/world-43822234">express concerns</a> on a recent visit.</p> <p>These moves echo the deep homophobia of Russian President Vladimir Putin, who has <a href="https://www.bostonreview.net/articles/putins-anti-gay-war-on-ukraine/">bizarrely linked</a> intervention in Ukraine to protecting traditional values against LGBTQ+ infiltration.</p> <p>Meanwhile, reports from Afghanistan suggest that anyone identified as “LGBT” is <a href="https://www.hrw.org/news/2022/01/26/afghanistan-taliban-target-lgbt-afghans">in danger of being killed</a>.</p> <p>Indonesia recently passed legislation <a href="https://www.theguardian.com/world/2022/dec/06/indonesia-passes-legislation-banning-sex-outside-marriage">penalising all sex outside marriage</a>. This follows <a href="https://www.tandfonline.com/doi/full/10.1080/13639811.2022.2038871">years of anti-queer rhetoric</a> from Indonesian leaders and crackdowns in regional areas.</p> <p>And while the Biden administration is supportive of queer rights globally, the extraordinary hysteria <a href="https://www.theguardian.com/us-news/2023/mar/07/cpac-anti-trans-rhetoric">around trans issues in the Republican Party</a> reminds us the West has no inherent claim to moral superiority.</p> <h2>Where to next?</h2> <p>Speaking at the World Pride Human Rights Conference, both Wong and Attorney General Mark Dreyfus made it clear Australia would press for recognition of sexuality and gender identity as deserving protection, as part of <a href="https://www.foreignminister.gov.au/minister/penny-wong/speech/sydney-worldpride-human-rights-conference-opening-statement">our commitment to human rights</a>.</p> <p>Wong also announced a <a href="https://www.themandarin.com.au/213443-wong-announces-international-fund-for-lgbt-rights/">new Inclusion and Equality Fund</a> to support queer community organisations within our region.</p> <p>Australian governments have usually been wary of loud assertions of support for queer rights. This is partly due to a reasonable fear this merely reinforces the perception that such language reflects <a href="https://www.cambridge.org/core/journals/african-studies-review/article/abs/locating-neocolonialism-tradition-and-human-rights-in-ugandas-gay-death-penalty/33A06F4F33CF586E20E208BE790E71E0">a sense of Western superiority</a>, unwilling to acknowledge other societies may have very different attitudes towards gender and sexuality.</p> <p>Australia is part of the Equal Rights Coalition, an intergovernmental body of 42 countries dedicated to the protection of the rights of LGBTQ+ people, and has supported sexual and gender rights in the <a href="https://humanrights.gov.au/our-work/rights-and-freedoms/australias-second-universal-periodic-review-human-rights">country reviews</a> undertaken by the United Nations Human Rights Commission.</p> <p>Australia has a minimal presence in Uganda, and direct representations are unlikely to have much effect. Uganda is a member of the Commonwealth, as are Ghana, Kenya and Zambia, where official homophobia appears to be increasing. But there’s little evidence the Australian government sees this as a significant foreign policy forum, or is prepared to push for sexual rights through its institutions.</p> <p>As persecution on the basis of sexuality and gender identity increases, more people will seek to flee their countries. Queer refugees face double jeopardy: they’re not safe at home, but they’re often equally unsafe in their diasporic communities, which have inherited the <a href="https://www.weforum.org/agenda/2018/01/lgbt-refugees-untold-story/">deep prejudices of their homelands</a>.</p> <p>The UN’s refugee agency <a href="https://www.unhcr.org/lgbtiq-persons.html">reports</a> that most people seeking asylum because of their sexuality are unwilling to disclose this, because of discrimination within their own ethnic communities. This makes it impossible to have accurate numbers. But a clear signal from Australia would be a powerful statement of support – that it understands the situation and welcomes people who need flee because of their sexuality or gender expression.</p> <p>An official Canadian government document <a href="https://www.canada.ca/en/immigration-refugees-citizenship/services/refugees/canada-role/2slgbtqi-plus.html">states</a>: "Canada has a proud history of providing protection to and helping to resettle the world’s most vulnerable groups. That includes those in the Two-Spirit, lesbian, gay, bisexual, transgender, queer, intersex, and additional sexually and gender diverse community."</p> <p>Theirs is a model worth following.</p> <p><em>Image credits: Getty Images</em></p> <p><em>This article originally appeared on <a href="https://theconversation.com/theres-a-growing-gap-between-countries-advancing-lgbtq-rights-and-those-going-backwards-203329" target="_blank" rel="noopener">The Conversation</a>. </em></p>

Caring

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Are you financially literate? Here are 7 signs you’re on the right track

<p>With the cost of living and interest rates rising, a growing number of Australians are struggling to manage their <a href="https://www.smh.com.au/money/planning-and-budgeting/almost-half-of-australia-is-financially-stressed-here-s-one-way-to-fix-it-20221011-p5bowq.html">finances</a>. Many are experiencing real <a href="https://www.anu.edu.au/news/all-news/australians-under-increasing-financial-stress#:%7E:text=The%2520level%2520of%2520financial%2520stress,say%2520they%2520are%2520struggling%2520financially">financial stress</a>.</p> <p>But even in the best of times, managing your finances is hard. Every day, you’re making complex financial decisions (some of which carry huge ramifications) and there are more financial products and services available than ever before. Navigating this minefield can be overwhelming and lead to financial anxiety.</p> <p>Being financially literate helps. But what does “financial literacy” mean in practice?</p> <p>Here are seven signs you’ve got the basics covered.</p> <h2>1. You track your cashflow</h2> <p>By tracking your cashflow on a regular basis, you’re ensuring your expenses don’t exceed your income. In other words, you make sure you’re earning more than you spend.</p> <p>A good sign you’ve successfully managed your cashflow is that you have a surplus or a buffer.</p> <p>These left-over funds can be used to boost savings, pay off debt or meet other financial commitments.</p> <p>Cashflow management allows you to assess whether there are opportunities to increase your savings and/or reduce spending. Being able to manage your earnings and spending is a key financial skill.</p> <h2>2. You have a budget – and you follow it</h2> <p>Setting and following a budget requires financial discipline, which is a key part of financial literacy.</p> <p>By following a budget, you’re putting a measure in place to live within your means and reduce the risk of overspending.</p> <p>With all the competing demands that come with managing money, your budget can be a tool to keep you on track. And developing this habit over time can empower you to make wise financial decisions.</p> <h2>3. You understand the difference between good debt and bad debt</h2> <p>Love it or hate it, debt forms part of our financial portfolios and sustains the financial institutions we interact with. Knowing how to make debt work for you is a skill and a sign of good financial knowledge. It is crucial to understand the difference between good debt and bad debt.</p> <p>Good debt is debt used to improve your long-term financial position or net worth, such as a home loan.</p> <p>Bad debt tends to be consumption-driven and doesn’t have lasting value. Examples include payday loans or retail accounts.</p> <h2>4. You have your money in various places</h2> <p>One of the key concepts of financially literacy is understanding the importance of diversification.</p> <p>By having your money spread across various places (such as a savings account, property, the share market, superannuation and so on), you’ve reduced the concentration of risk.</p> <p>This helps protect your wealth in tough economic times.</p> <h2>5. You understand how financial assets work, along with their pros and cons</h2> <p>Financial assets refers to things like cash, shares and bonds. It’s important to understand how financial assets work and how they can either help or hurt your financial position.</p> <p>For instance, savings accounts are a safe financial instrument that earn interest on the amount accumulated within the account. But the fact they’re so safe also means that they won’t outperform inflation.</p> <p>This type of knowledge is an imperative part of financial literacy.</p> <h2>6. You’re aware of your financial strengths and weaknesses</h2> <p>Financially literate people reflect on their capabilities.</p> <p>When you can appreciate where your financial strengths and weaknesses lie, you can make better financial decisions and prioritise your needs.</p> <p>On the other hand, being oblivious to your strengths and weaknesses means you miss opportunities to improve your financial health.</p> <p>For example, perhaps you buy unnecessary stuff when you feel sad. Or maybe you panic when faced with tough financial choices and make quick decisions just to make the problem go away.</p> <p>Neglecting to reflect on patterns of behaviour can lead to serious and possibly irreversible financial mistakes.</p> <h2>7. You set financial goals and put measures in place to meet them</h2> <p>Financially literate people plan for their finances. This involves setting goals for either earnings, savings, investments, and debt management or putting measures in place to protect wealth (via, for example, insurance to protect your wealth against loss).</p> <p>Setting goals is one thing, but it’s also important to have a system and habits in place to achieve them.</p> <p>Make sure you understand what you’re trying to achieve with your goals, why the goals are important and how you’ll achieve them.</p> <p>Boosting your financial literacy can feel tough at first. But tackling your finances head on, controlling spending, participating in financial markets, handling debt, being able to understand financial assets and working towards financial goals can help you feel in control of your financial situation.</p> <p><em>This article originally appeared on <a href="https://theconversation.com/are-you-financially-literate-here-are-7-signs-youre-on-the-right-track-202331" target="_blank" rel="noopener">The Conversation</a>.</em></p> <p><em>Images: Getty</em></p>

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