Placeholder Content Image

Your Go-To guide to game-changing Christmas skincare

<p dir="ltr">When it comes to Christmas presents, it’s hard to go wrong with skincare, makeup or anything in the general “self-care” space. </p> <p dir="ltr">This Christmas, <a href="https://gotoskincare.com/collections/holiday-2024">Go-To</a> (the revolutionary skincare brand founded by Zoe Foster-Blake) have released their most beautiful collection yet in collaboration with Alémais to deliver the very best in feeling good, for any budget. </p> <p dir="ltr">With 11 extremely limited gifts and sets to help you spread some serious cheer this season, you’ll find something for everyone, whether it’s for your daughter, granddaughter, neighbour, or that one friend that is always looking to level up their skincare routine. </p> <p dir="ltr">For the second year running, Go-To’s undeniably unique print and packaging is thanks to a local collaboration with Alémais, celebrating the very vibrant and zesty DNA of both brands.</p> <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-permalink="https://www.instagram.com/p/DBsyJSnxTMY/?utm_source=ig_embed&utm_campaign=loading" data-instgrm-version="14"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"> </div> </div> </div> <div style="padding: 19% 0;"> </div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"> </div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <div style="padding: 12.5% 0;"> </div> <div style="display: flex; flex-direction: row; margin-bottom: 14px; align-items: center;"> <div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(0px) translateY(7px);"> </div> <div style="background-color: #f4f4f4; height: 12.5px; transform: rotate(-45deg) translateX(3px) translateY(1px); width: 12.5px; flex-grow: 0; margin-right: 14px; margin-left: 2px;"> </div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(9px) translateY(-18px);"> </div> </div> <div style="margin-left: 8px;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 20px; width: 20px;"> </div> <div style="width: 0; height: 0; border-top: 2px solid transparent; border-left: 6px solid #f4f4f4; border-bottom: 2px solid transparent; transform: translateX(16px) translateY(-4px) rotate(30deg);"> </div> </div> <div style="margin-left: auto;"> <div style="width: 0px; border-top: 8px solid #F4F4F4; border-right: 8px solid transparent; transform: translateY(16px);"> </div> <div style="background-color: #f4f4f4; flex-grow: 0; height: 12px; width: 16px; transform: translateY(-4px);"> </div> <div style="width: 0; height: 0; border-top: 8px solid #F4F4F4; border-left: 8px solid transparent; transform: translateY(-4px) translateX(8px);"> </div> </div> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center; margin-bottom: 24px;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 224px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 144px;"> </div> </div> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;"><a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none;" href="https://www.instagram.com/p/DBsyJSnxTMY/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by Go-To (@gotoskincare)</a></p> </div> </blockquote> <p dir="ltr">The gorgeous gift sets start at just $26 with Perfect Present, or for those looking more on the luxury side, the $300 must-have Facial In A Box has everything you need.</p> <p dir="ltr">You’ll also spot several never-before-seen items from Go-To, like, Bon Bons, a trio of tinted lip balms, and custom tarot cards.</p> <p dir="ltr">In addition to all the stunning skincare, Go-To have created gifts that live on as keepsakes, such as the signature silk pillowcase and matching silk eye mask.</p> <p dir="ltr">Or, if you can’t pick just one gift for that special someone, or you want to treat yourself and just can’t wait until December 25th, the 12 Days Of Go-To advent calendar is filled with so many merry items of merch paired with the effective, quality, clinically-proven skincare you know, love and need.</p> <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-permalink="https://www.instagram.com/reel/DBrsRwlJRsG/?utm_source=ig_embed&utm_campaign=loading" data-instgrm-version="14"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"> </div> </div> </div> <div style="padding: 19% 0;"> </div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"> </div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <div style="padding: 12.5% 0;"> </div> <div style="display: flex; flex-direction: row; margin-bottom: 14px; align-items: center;"> <div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(0px) translateY(7px);"> </div> <div style="background-color: #f4f4f4; height: 12.5px; transform: rotate(-45deg) translateX(3px) translateY(1px); width: 12.5px; flex-grow: 0; margin-right: 14px; margin-left: 2px;"> </div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(9px) translateY(-18px);"> </div> </div> <div style="margin-left: 8px;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 20px; width: 20px;"> </div> <div style="width: 0; height: 0; border-top: 2px solid transparent; border-left: 6px solid #f4f4f4; border-bottom: 2px solid transparent; transform: translateX(16px) translateY(-4px) rotate(30deg);"> </div> </div> <div style="margin-left: auto;"> <div style="width: 0px; border-top: 8px solid #F4F4F4; border-right: 8px solid transparent; transform: translateY(16px);"> </div> <div style="background-color: #f4f4f4; flex-grow: 0; height: 12px; width: 16px; transform: translateY(-4px);"> </div> <div style="width: 0; height: 0; border-top: 8px solid #F4F4F4; border-left: 8px solid transparent; transform: translateY(-4px) translateX(8px);"> </div> </div> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center; margin-bottom: 24px;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 224px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 144px;"> </div> </div> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;"><a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none;" href="https://www.instagram.com/reel/DBrsRwlJRsG/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by Go-To (@gotoskincare)</a></p> </div> </blockquote> <p dir="ltr">The Go-To treats are ones you can feel good about in more ways than one, as Go-To is donating $1 from all marked gifts and sets, to their 2024 charity partner, Orange Sky: a not-for-profit that provides complimentary laundry services and warm showers to people in the community who are experiencing homelessness and hardship.</p> <p dir="ltr">With this glorious fusion of colour, wonderfully wacky motifs, and giving to those in need in the spirit of Christmas, Go-To has a gift for everyone in their most coveted holiday collection to date.</p> <p dir="ltr">The Go-To Christmas range is available at <a href="https://www.mecca.com/en-au/go-to/">Mecca</a>, both in-store and online, and on the official <a href="https://gotoskincare.com/collections/holiday-2024">Go-To</a> website.</p> <p dir="ltr"><em>Image credits: Shutterstock / Instagram </em></p> <p><span id="docs-internal-guid-bb2c25c8-7fff-6953-de80-1b3c24792a23"></span></p>

Beauty & Style

Placeholder Content Image

Woman “bullied” on plane over budget seating trick

<p dir="ltr">A young woman has recalled a flight from hell when she was “bullied” by a couple who were trying to utilise a seating hack that went viral on TikTok. </p> <p dir="ltr">The solo traveller took to Reddit to recount the story and ask social media users if she was in the wrong for her action. </p> <p dir="ltr">The woman began by saying she usually pays more to select her plane seat ahead of time, but a medical emergency on another plane had her waiting on standby and left with no option other than to sit in a middle seat.</p> <p dir="ltr">When she was finally able to board, she was greeted by a couple who had purchased both the window and aisle seats in a bid to have more space, utilising a travel “trick” that has been popular on TikTok.</p> <p dir="ltr">The method, which has been dubbed the 'poor man's business class', usually leaves travellers with an empty middle seat and more space, and few travellers opt to pick a middle seat. </p> <p dir="ltr">“When I got to my row the man and woman were chatting and sharing a snack... it was obvious they were together. I mentioned to the man that I'm in the middle, and he got up to let me in,” the unsuspecting traveller wrote on Reddit.  </p> <p dir="ltr">“I asked them if they would prefer to sit together, I said I was totally okay with that. The woman reacted rudely to this and said ‘you're not supposed to be sitting here anyway’.”</p> <p dir="ltr">After noticing how the plane was full, she offered to show the pair her new ticket with the correct seat number on it.</p> <p dir="ltr">“She flicked her hand at my ticket and made a disgusted sound. I offered again if they wanted to sit together to which she didn't reply, her partner said it's okay and... made some small talk,” she continued. </p> <p dir="ltr">The man’s girlfriend then interrupted their conversation to ask,”'Did you use one of those third party websites to book your flight? It's so frustrating when people cheap out to inconvenience others.”</p> <p dir="ltr">The American woman explained that she had booked her flight directly and she had been placed on standby like everyone else and didn't choose the middle seat - she was assigned it.</p> <p dir="ltr">She then tried to keep the peace by refusing to engage with the furious woman.  </p> <p dir="ltr">“I was so done with her attitude, I put my headphones on and attempted to do my own thing,” she explained.</p> <p dir="ltr">But the “entitled” girlfriend wasn't letting it go, as the woman explained, “This woman kept reaching over me and tapping her partner and trying to talk to him in a way that was super intrusive.”</p> <p dir="ltr">“I could tell even her partner was trying to engage her less so that she would hopefully stop, but she didn't.”</p> <p dir="ltr">“I think they tried to pull that tactic where they don't sit together on purpose...hoping no one will sit between them. But on full flights it doesn't work. And even so - it's not the other person's fault.”</p> <p dir="ltr">The traveller's post was met with hundreds of comments slamming the girlfriend’s behaviour, as one person wrote, “It's like a toddler having a tantrum.”</p> <p dir="ltr">“She was disappointed and a total a**hole. Gross entitled people,” another added. </p> <p dir="ltr">Another person applauded the traveller’s level-headed behaviour, writing, “Wow! You are my hero for keeping it classy - I’m afraid I would not have been as kind as you.”</p> <p dir="ltr"><em>Image credits: Shutterstock </em></p>

Travel Trouble

Placeholder Content Image

Escape to the Country host dies aged 50

<p>British TV presenter Jonnie Irwin has passed away aged 50 following a battle with terminal cancer. </p> <p>Irwin was diagnosed with terminal cancer in 2020, when the disease spread from his lungs to his brain. </p> <p>He was initially given just six months to live, but managed to defy the odds and made his illness public after two years of keeping it a secret. </p> <p>The TV presenter rose to fame in the UK for his roles on shows including <em>A Place in the Sun </em>and <em>Escape to the Country</em>. </p> <p>A statement was shared to Instagram on Friday announcing his death, where he was described as "a truly remarkable soul." </p> <p>"It is with heavy hearts that we share the news of Jonnie’s passing," the statement began. </p> <p>"A truly remarkable soul, he fought bravely against cancer with unwavering strength and courage. Jonnie touched the lives of so many with his kindness, warmth, and infectious spirit."</p> <p>“At this time, we kindly ask for the privacy of Jonnie’s family as they navigate through this profound loss," the statement continued. </p> <p>“Their grief is immeasurable, and your thoughts, prayers, and support are deeply appreciated. As we remember the beautiful moments shared with Jonnie, let us celebrate a life well-lived and a legacy that will forever be etched in our hearts.”</p> <p>“Jonnie may be gone from our sight, but his love, laughter, and memories will live on. Rest in peace, dear Jonnie. You will be dearly missed, but never forgotten.”</p> <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-captioned="" data-instgrm-permalink="https://www.instagram.com/p/C22vrMPCwmB/?utm_source=ig_embed&amp;utm_campaign=loading" data-instgrm-version="14"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"> </div> </div> </div> <div style="padding: 19% 0;"> </div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"> </div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <div style="padding: 12.5% 0;"> </div> <div style="display: flex; flex-direction: row; margin-bottom: 14px; align-items: center;"> <div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(0px) translateY(7px);"> </div> <div style="background-color: #f4f4f4; height: 12.5px; transform: rotate(-45deg) translateX(3px) translateY(1px); width: 12.5px; flex-grow: 0; margin-right: 14px; margin-left: 2px;"> </div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(9px) translateY(-18px);"> </div> </div> <div style="margin-left: 8px;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 20px; width: 20px;"> </div> <div style="width: 0; height: 0; border-top: 2px solid transparent; border-left: 6px solid #f4f4f4; border-bottom: 2px solid transparent; transform: translateX(16px) translateY(-4px) rotate(30deg);"> </div> </div> <div style="margin-left: auto;"> <div style="width: 0px; border-top: 8px solid #F4F4F4; border-right: 8px solid transparent; transform: translateY(16px);"> </div> <div style="background-color: #f4f4f4; flex-grow: 0; height: 12px; width: 16px; transform: translateY(-4px);"> </div> <div style="width: 0; height: 0; border-top: 8px solid #F4F4F4; border-left: 8px solid transparent; transform: translateY(-4px) translateX(8px);"> </div> </div> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center; margin-bottom: 24px;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 224px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 144px;"> </div> </div> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;"><a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none;" href="https://www.instagram.com/p/C22vrMPCwmB/?utm_source=ig_embed&amp;utm_campaign=loading" target="_blank" rel="noopener">A post shared by Jonnie Irwin (@jonnieirwintv)</a></p> </div> </blockquote> <p>Following his death, BBC have paid tribute to the fallen host and described him as an “extraordinary man and wonderful presenter”.</p> <p>“He brought such warmth and fun to Escape To The Country where he was a firm favourite with not just viewers, but the production team too," head of BBC daytime Rob Unsworth said.</p> <p>“More recently, he did some truly inspirational reports for <em>Morning Live</em> about his illness, tackling taboos around end-of-life care and wonderfully demonstrating the limitless positivity that he brought to everything he did.”</p> <p>Irwin’s longtime co-star Jasmine Harman, also shared a tribute on Instagram.</p> <p>“I have never admired you more than over the last few years as you’ve faced life with cancer with positivity, determination and bloody mindedness,” she wrote. “The world is a little darker today without you, but I will always smile when I think of you.” </p> <p>Irwin is survived by his wife Jessica and their three children, Rex, five and three-year-old twins Rafa and Cormac.</p> <p><em>Image: Instagram</em></p> <p> </p>

Caring

Placeholder Content Image

The rise and fall of antibiotics. What would a post-antibiotic world look like?

<p><em><a href="https://theconversation.com/profiles/allen-cheng-94997">Allen Cheng</a>, <a href="https://theconversation.com/institutions/monash-university-1065">Monash University</a></em></p> <p> </p> <p>These days, we don’t think much about being able to access a course of antibiotics to head off an infection. But that wasn’t always the case – antibiotics have been available for less than a century.</p> <p>Before that, patients would die of relatively trivial infections that became more serious. Some serious infections, such as those involving the heart valves, were <a href="https://pubmed.ncbi.nlm.nih.gov/20173297/">inevitably</a> fatal.</p> <p>Other serious infections, such as <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC3070694/">tuberculosis</a>, weren’t always fatal. Up to a <a href="https://www.biorxiv.org/content/10.1101/729426v1.full.pdf">half</a> of people died within a year with the most severe forms, but some people recovered without treatment and the remainder had ongoing chronic infection that slowly ate away at the body over many years.</p> <p>Once we had antibiotics, the outcomes for these infections were much better.</p> <h2>Life (and death) before antibiotics</h2> <p>You’ve probably heard of Alexander Fleming’s accidental <a href="https://www.acs.org/education/whatischemistry/landmarks/flemingpenicillin.html">discovery of penicillin</a>, when fungal spores landed on a plate with bacteria left over a long weekend in 1928.</p> <p>But the <a href="https://www.ox.ac.uk/news/science-blog/penicillin-oxford-story">first patient</a> to receive penicillin was an instructive example of the impact of treatment. In 1941, Constable Albert Alexander had an infected scratch on his face that had become infected.</p> <p>He was hospitalised but despite various treatments, the infection progressed to involve his head. This required removing one of his eyes.</p> <p>Howard Florey, the Australian pharmacologist then working in Oxford, was concerned penicillin could be toxic in humans. Therefore, he felt it was only ethical to give this new drug to a patient in a desperate condition.</p> <p>Constable Alexander was given the available dose of penicillin. Within the first day, his condition had started to improve.</p> <p>But back then, penicillin was difficult to produce. One way of extending the limited supply was to “recycle” penicillin that was excreted in the patient’s urine. Despite this, supplies ran out by the fifth day of Alexander’s treatment.</p> <p>Without further treatment, the infection again took hold. Constable Alexander eventually died a month later.</p> <p>We now face a world where we are potentially running out of antibiotics – not because of difficulties manufacturing them, but because they’re losing their effectiveness.</p> <h2>What do we use antibiotics for?</h2> <p>We currently use antibiotics in humans and animals for a variety of reasons. Antibiotics reduce the duration of illness and the chance of death from infection. They also prevent infections in people who are at high risk, such as patients undergoing surgery and those with weakened immune systems.</p> <p>But antibiotics aren’t always used appropriately. <a href="https://www.thelancet.com/journals/laninf/article/PIIS1473-3099(20)30084-0/fulltext">Studies</a> consistently show a dose or two will adequately prevent infections after surgery, but antibiotics are <a href="https://irp.cdn-website.com/d820f98f/files/uploaded/surgical-prophylaxis-prescribing-in-australian-hospitals-results-of-the-2020-surgical-national-antimicrobial-prescribing-survey.pdf">often</a> continued for several days unnecessarily. And sometimes we use the wrong type of antibiotic.</p> <p><a href="https://irp.cdn-website.com/d820f98f/files/uploaded/antimicrobial-prescribing-practice-in-australian-hospitals-results-of-the-2020-hospital-national-antimicrobial-prescribing-survey.pdf">Surveys</a> have found 22% of antimicrobial use in hospitals is inappropriate.</p> <p>In some situations, this is understandable. Infections in different body sites are usually due to different types of bacteria. When the diagnosis isn’t certain, we often <a href="https://onlinelibrary.wiley.com/doi/full/10.1111/resp.13334">err</a> on the side of caution by giving broad spectrum antibiotics to make sure we have active treatments for all possible infections, until further information becomes available.</p> <p>In other situations, there is a degree of inertia. If the patient is improving, doctors tend to simply continue the same treatment, rather than change to more appropriate choice.</p> <p>In general practice, the issue of diagnostic uncertainty and therapeutic inertia are often magnified. Patients who recover after starting antibiotics don’t usually require tests or come back for review, so there is no easy way of knowing if the antibiotic was actually required.</p> <p>Antibiotic prescribing can be more complex again if <a href="https://www.mja.com.au/journal/2014/201/2/antibiotic-prescribing-practice-residential-aged-care-facilities-health-care">patients</a> are expecting “a pill for every ill”. While doctors are generally good at educating patients when antibiotics are not likely to work (for example, for viral infections), without confirmatory tests there can always be a lingering doubt in the minds of both doctors and patients. Or sometimes the patient goes elsewhere to find a prescription.</p> <p>For other infections, resistance can develop if treatments aren’t given for long enough. This is particularly the <a href="https://pubmed.ncbi.nlm.nih.gov/11971765/">case</a> for tuberculosis, caused by a slow growing bacterium that requires a particularly long course of antibiotics to cure.</p> <p>As in humans, antibiotics are also used to prevent and treat infections in animals. However, a proportion of antibiotics are used for growth promotion. In Australia, an <a href="https://www.mja.com.au/journal/2019/211/4/antibiotic-use-animals-and-humans-australia">estimated</a> 60% of antibiotics were used in animals between 2005-2010, despite growth-promotion being phased out.</p> <h2>Why is overuse a problem?</h2> <p>Bacteria become resistant to the effect of antibiotics through natural selection – those that survive exposure to antibiotics are the strains that have a mechanism to evade their effects.</p> <p>For example, antibiotics are sometimes given to <a href="https://www.thelancet.com/journals/laninf/article/PIIS1473-3099(18)30279-2/fulltext">prevent</a> recurrent urinary tract infections, but a consequence, any infection that does <a href="https://academic.oup.com/cid/article/73/3/e782/6141409">develop</a> tends to be with resistant bacteria.</p> <p>When resistance to the commonly used first-line antibiotics occurs, we often need to reach deeper into the bag to find other effective treatments.</p> <p>Some of these last-line antibiotics are those that had been <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC4202707/">superseded</a> because they had serious side effects or couldn’t be given conveniently as tablets.</p> <p>New drugs for some bacteria have been developed, but many are much more <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC7955006/">expensive</a> than older ones.</p> <h2>Treating antibiotics as a valuable resource</h2> <p>The concept of antibiotics as a valuable resource has led to the <a href="https://pubmed.ncbi.nlm.nih.gov/8856755/">concept</a> of “antimicrobial stewardship”, with programs to promote the responsible use of antibiotics. It’s a similar concept to environmental stewardship to prevent climate change and environmental degradation.</p> <p>Antibiotics are a rare class of medication where treatment of one patient can potentially affect the outcome of other patients, through the transmission of antibiotic resistant bacteria. Therefore, like efforts to combat climate change, antibiotic stewardship relies on changing individual actions to benefit the broader community.</p> <p>Like climate change, antibiotic resistance is a complex problem when seen in a broader context. Studies have linked resistance to the values and priorities <a href="https://www.thelancet.com/journals/lanplh/article/PIIS2542-5196(18)30186-4/fulltext">of governments</a> such as corruption and infrastructure, including the availability of electricity and public services. This highlights that there are broader “causes of the causes”, such as public spending on sanitation and health care.</p> <p>Other <a href="https://academic.oup.com/jac/article/74/9/2803/5512029?login=true">studies</a> have suggested individuals need to be considered within the broader social and institutional influences on prescribing behaviour. Like all human behaviour, antibiotic prescribing is complicated, and factors like what doctors feel is “normal” prescribing, whether junior staff feel they can challenge senior doctors, and even their <a href="https://www.nytimes.com/2016/10/07/upshot/your-surgeon-is-probably-a-republican-your-psychiatrist-probably-a-democrat.html">political views</a> may be important.</p> <p>There are also issues with the <a href="https://www.cambridge.org/core/journals/international-journal-of-technology-assessment-in-health-care/article/value-assessment-of-antimicrobials-and-the-implications-for-development-access-and-funding-of-effective-treatments-australian-stakeholder-perspective/D45758CFB95520DA4FF06E46135E0628">economic model</a> for developing new antibiotics. When a new antibiotic is first approved for use, the first reaction for prescribers is not to use it, whether to ensure it retains its effectiveness or because it is often very expensive.</p> <p>However, this doesn’t really <a href="https://academic.oup.com/cid/article/50/8/1081/449089?login=true">encourage</a> the development of new antibiotics, particularly when pharma research and development budgets can easily be diverted to developing drugs for conditions patients take for years, rather than a few days.</p> <h2>The slow moving pandemic of resistance</h2> <blockquote> <p>If we fail to act, we are looking at an almost unthinkable scenario where antibiotics no longer work and we are cast back into the dark ages of medicine – <a href="https://amr-review.org/">David Cameron</a>, former UK Prime Minister</p> </blockquote> <p>Antibiotic resistance is already a problem. Almost all infectious diseases physicians have had the dreaded call about patients with infections that were essentially untreatable, or where they had to scramble to find supplies of long-forgotten last-line antibiotics.</p> <p>There are already hospitals in some parts of the world that have had to carefully <a href="https://www.reactgroup.org/news-and-views/news-and-opinions/year-2022/the-impact-of-antibiotic-resistance-on-cancer-treatment-especially-in-low-and-middle-income-countries-and-the-way-forward/">consider</a> whether it’s still viable to treat cancers, because of the <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC6276316/">high risk</a> of infections with antibiotic-resistant bacteria.</p> <p>A global <a href="https://www.thelancet.com/journals/lancet/article/PIIS0140-6736(21)02724-0/fulltext">study</a> estimated that in 2019, almost 5 million deaths occurred with an infection involving antibiotic-resistant bacteria. Some 1.3 million would not have occurred if the bacteria were not resistant.</p> <p>The UK’s 2014 <a href="https://amr-review.org/sites/default/files/AMR%20Review%20Paper%20-%20Tackling%20a%20crisis%20for%20the%20health%20and%20wealth%20of%20nations_1.pdf">O'Neill report</a> predicted deaths from antimicrobial resistance could rise to 10 million deaths each year, and cost 2-3.5% of global GDP, by 2050 based on trends at that time.</p> <h2>What can we do about it?</h2> <p>There is a lot we can do to prevent antibiotic resistance. We can:</p> <ul> <li> <p><a href="https://www.marketingmag.com.au/news/film-picking-gonorrhoea-wins-tropfest-prize/">raise</a> <a href="https://bmcpublichealth.biomedcentral.com/articles/10.1186/s12889-019-7258-3">awareness</a> that many infections will get better by themselves, and don’t necessarily need antibiotics</p> </li> <li> <p>use the antibiotics we have more appropriately and for as short a time as possible, supported by co-ordinated clinical and <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC3437704/">public policy</a>, and <a href="https://www.amr.gov.au/">national</a> <a href="https://www.thelancet.com/journals/laninf/article/PIIS1473-3099(22)00796-4/fulltext">oversight</a></p> </li> <li> <p><a href="https://www.safetyandquality.gov.au/our-work/antimicrobial-resistance/antimicrobial-use-and-resistance-australia-surveillance-system/about-aura-surveillance-system">monitor</a> for infections due to resistant bacterial to inform control policies</p> </li> <li> <p>reduce the inappropriate use of antibiotics in animals, such as <a href="https://nam.edu/antibiotic-resistance-in-humans-and-animals/">growth promotion</a></p> </li> <li> <p><a href="https://pubmed.ncbi.nlm.nih.gov/11971765/">reduce</a> cross-transmission of resistant organisms in hospitals and in the community</p> </li> <li> <p>prevent infections by other means, such as clean water, <a href="https://apps.who.int/iris/bitstream/handle/10665/204948/WHO_FWC_WSH_14.7_eng.pdf">sanitation</a>, hygiene and <a href="https://www.who.int/teams/immunization-vaccines-and-biologicals/product-and-delivery-research/anti-microbial-resistance">vaccines</a></p> </li> <li> <p>continue developing new antibiotics and alternatives to antibiotics and ensure the right <a href="https://www.thelancet.com/journals/lanepe/article/PIIS2666-7762(23)00124-2/fulltext#:%7E:text=We%20consider%20four%20incentive%20options,exclusivity%20extensions%2C%20and%20milestone%20payments.">incentives</a> are in place to encourage a continuous pipeline of new drugs.</p> </li> </ul> <p><a href="https://theconversation.com/profiles/allen-cheng-94997"><em>Allen Cheng</em></a><em>, Professor in Infectious Diseases Epidemiology, <a href="https://theconversation.com/institutions/monash-university-1065">Monash University</a></em></p> <p><em>Image credits: Shutterstock</em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/the-rise-and-fall-of-antibiotics-what-would-a-post-antibiotic-world-look-like-213450">original article</a>.</em></p>

Caring

Placeholder Content Image

"Devastating blow": Back to the Future star's tragic family news

<p><em>Back to the Future </em>star Lea Thompson, renowned for her role as Lorraine, the endearing mother of Michael J. Fox's iconic character, Marty McFly, has recently shared some deeply saddening family news.</p> <p>The 62-year-old actress opened up about her personal struggle, revealing that both of her older brothers have been diagnosed with Parkinson's disease within a few months of each other.</p> <p>This announcement resonated profoundly with her fans and followers, especially given Michael J. Fox's well-known battle with the condition since his diagnosis in 1991 at the tender age of 29.</p> <p>In an emotionally charged Instagram post, Thompson shared her family's ordeal, writing, "Both of my beloved exceptional big brothers have been diagnosed with Parkinson’s within a few months of each other. It was such a devastating blow."</p> <p>She went on to describe how the disease had stealthily crept into their lives, noting that her brothers had been displaying signs of slowing down, but the true nature of their condition hadn't been immediately apparent.</p> <p>Fortunately, their early diagnosis, made possible by the diligent efforts of researchers supported by the Michael J. Fox Foundation, has offered them access to medications and tools that have significantly improved their quality of life.</p> <p>Accompanying her heartfelt message, Thompson posted pictures of herself with her two brothers during a day of golf, capturing a precious family moment. Another poignant photo showed her brothers with their arms wrapped around each other.</p> <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-captioned="" data-instgrm-permalink="https://www.instagram.com/p/Cyz8bCxO9GF/?utm_source=ig_embed&utm_campaign=loading" data-instgrm-version="14"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"> </div> </div> </div> <div style="padding: 19% 0;"> </div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"> </div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <div style="padding: 12.5% 0;"> </div> <div style="display: flex; flex-direction: row; margin-bottom: 14px; align-items: center;"> <div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(0px) translateY(7px);"> </div> <div style="background-color: #f4f4f4; height: 12.5px; transform: rotate(-45deg) translateX(3px) translateY(1px); width: 12.5px; flex-grow: 0; margin-right: 14px; margin-left: 2px;"> </div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(9px) translateY(-18px);"> </div> </div> <div style="margin-left: 8px;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 20px; width: 20px;"> </div> <div style="width: 0; height: 0; border-top: 2px solid transparent; border-left: 6px solid #f4f4f4; border-bottom: 2px solid transparent; transform: translateX(16px) translateY(-4px) rotate(30deg);"> </div> </div> <div style="margin-left: auto;"> <div style="width: 0px; border-top: 8px solid #F4F4F4; border-right: 8px solid transparent; transform: translateY(16px);"> </div> <div style="background-color: #f4f4f4; flex-grow: 0; height: 12px; width: 16px; transform: translateY(-4px);"> </div> <div style="width: 0; height: 0; border-top: 8px solid #F4F4F4; border-left: 8px solid transparent; transform: translateY(-4px) translateX(8px);"> </div> </div> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center; margin-bottom: 24px;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 224px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 144px;"> </div> </div> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;"><a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none;" href="https://www.instagram.com/p/Cyz8bCxO9GF/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by Lea Thompson (@lea_thompson)</a></p> </div> </blockquote> <p>Thompson's dedication to raising awareness and support for Parkinson's research was evident when she expressed feeling "honoured" to be part of a "public service announcement" for the Michael J. Fox Foundation's gala, sharing a behind-the-scenes photo from the campaign. She also expressed gratitude for the support of scientists, philanthropists, and her "movie son", Michael J. Fox, who has been an unwavering advocate for Parkinson's research.</p> <p>The response from Thompson's fans and followers was heartwarming, as they flocked to the comments section to express their solidarity. Messages of love, hope and empathy poured in from all corners, with many sharing personal connections to Parkinson's disease and the advances in treatment and therapies they have witnessed.</p> <p>Parkinson's disease is a debilitating neurodegenerative condition, and it is the second most common neurological disorder in Australia, with over 100,000 Australians grappling with its impact. Common symptoms include tremors, slowness of movement, and rigidity.</p> <p>Michael J. Fox's diagnosis at the astonishingly young age of 29 stands as a stark reminder of the disease's unpredictable reach, as the average age of diagnosis hovers around 65.</p> <p>Parkinson's disease results from the brain's inability to produce sufficient dopamine, a neurotransmitter vital for controlling movement. Diagnosing Parkinson's is not straightforward; it often relies on clinical evaluation by specialists such as neurologists, who meticulously assess clinical signs and symptoms, as there are no definitive laboratory tests like blood work or brain scans available for diagnosis.</p> <p>Lea Thompson's open acknowledgment of her family's struggle with Parkinson's disease not only shines a light on the challenges faced by those living with the condition but also underscores the importance of continued research and support for those affected. </p> <p><em>Images: Instagram</em></p>

Caring

Placeholder Content Image

Five ways to take advantage of rising interest rates to boost your savings

<p><em><a href="https://theconversation.com/profiles/fredrick-kibon-changwony-234363">Fredrick Kibon Changwony</a>, <a href="https://theconversation.com/institutions/university-of-stirling-1697">University of Stirling</a></em></p> <p>With the Bank of England base rate <a href="https://theconversation.com/how-the-bank-of-englands-interest-rate-hikes-are-filtering-through-to-your-finances-210344">currently the highest</a> it has been since early 2008, you may have a valuable opportunity to increase your earnings on pensions, investments and savings accounts. After all, when the central bank raises its main rate – the base rate, which is typically used as a benchmark for loans as well as savings accounts – it is trying to encourage people to spend less and save more.</p> <p>But UK banks and building societies have <a href="https://www.independent.co.uk/money/martin-lewis-savings-rates-mortgage-crisis-b2362955.html">recently been accused</a> of letting their savings rates lag the recent rapid rise in the base rate. UK regulator the Financial Conduct Authority has urged these financial firms to offer “<a href="https://www.fca.org.uk/news/press-releases/action-plan-cash-savings">fair and competitive</a>” savings rates in response to the increasing interest rates.</p> <p>Many financial institutions do offer accounts with <a href="https://www.theguardian.com/money/2023/jul/15/uk-savings-accounts-interest-nsi-building-societies-banks-deals">rates of 6% or more</a>. This is good news for avid savers – but only if you keep an eye on the market so you can switch from less competitive products. This is why it’s important to establish a regular savings habit, but many people are unsure about what that should involve.</p> <p>My colleagues and I have studied the <a href="https://dspace.stir.ac.uk/handle/1893/32240">correlation between people’s savings goals</a> (if they have any) and how they invest their money. We also looked at how seeking financial information advice, and being “good with numbers”, both influence this correlation.</p> <p>We analysed data from more than 40,000 individuals in 21,000 UK households from five waves of the Office for National Statistics Wealth and Assets Survey (WAS), conducted between 2006 and 2016. This data captures comprehensive economic wellbeing information and attitudes to financial planning.</p> <p>Our research shows the importance to your finances of setting multiple savings goals, keeping up with financial news, and seeking professional advice. Based on this, here are five research-based ways to make the most of your money.</p> <h2>1. Set specific savings goals</h2> <p>Establishing personal savings goals is one of the first steps most financial institutions and advisers will recommend to their customers, because it’s a good idea to <a href="https://www.investopedia.com/terms/c/compoundinterest.asp">save regularly</a>. Plus, our study shows that total financial assets increase in line with the number of savings goals you have, and that setting specific, rather than vague, goals leads to higher performance.</p> <p>Specific savings goals should have an end date, target figure, and even a meaningful name – for example, “£1,000 for 2024 trip to Asia” or “£250 for 2023 Christmas present fund”. This will create tangible reference points that encourage self-control and increase the pain you feel if you fail to meet your goal.</p> <h2>2. Seek professional financial advice</h2> <p>Rather than relying on friends, family and social media for financial advice, speak to an expert.</p> <p>Our research shows households that access professional financial advice were more likely to allocate a higher share of their wealth to stock portfolios than those that rely on friends, family and social media for financial advice. This result was consistent even across different wealth and income levels, with lower earners possibly using products like ISAs to make investments in stocks and shares. Other <a href="https://academic.oup.com/qje/article/134/3/1225/5435538">research shows</a> stock portfolios outperform most other types of investment in the long term.</p> <p>We also found that access to professional financial advice can substitute for setting goals, because your adviser should help you to determine the kinds of products to invest in (which is called asset allocation) for specific timelines and aims.</p> <h2>3. Brush up on your maths</h2> <p><a href="https://doi.org/10.1111/j.1475-5890.2007.00052.x">Several studies</a> show numerical skills affect how households gather and process information, <a href="https://psycnet.apa.org/doi/10.1037/a0013114">set goals</a>, perceive risks, and <a href="https://heinonline.org/HOL/P?h=hein.journals/fedred89&amp;i=791">decide to invest</a> in various financial assets. So, by brushing up on your basic numeracy and financial literacy skills – even with free online videos – you could boost your savings for the long term.</p> <p>Our study shows that individuals with high confidence in their numerical skills tend to have better financial planning habits – such as investing more in stocks and bonds than cash, which carries more risk but also the potential for greater returns. This trend is particularly evident among households with no savings goals, suggesting that numerical ability could compensate for failing to set such goals.</p> <h2>4. Adopt appropriate savings strategies</h2> <p>Diversified stock market portfolios generally outperform bonds and cash savings <a href="https://doi.org/10.1093/qje/qjz012">over longer periods</a>. However, stock markets can be volatile, so putting savings into less risky assets like bonds and cash is wise for savings goals of less than five years.</p> <p>In the longer term, investing across different global stock markets for more than five years can help counteract inflation. And you can access low-cost, diversified investment portfolios via financial products based on indices of stocks or other assets, such as exchange traded funds.</p> <h2>5. Set, monitor and adjust your plan</h2> <p>Free financial planning and budgeting apps can help you save money by tracking your spending and savings goals, and encouraging you to adhere to a budget.</p> <p>Most importantly, once you set savings goals and create a budget, don’t forget about them. Check regularly to see how your savings are building up and to monitor for any spending changes. A growing array of fintech tools can prompt and encourage this kind of long-term planning.</p> <p>Keeping an eye on savings rates is also important. As banks change rates or create new accounts, consider switching to get a better deal if you can do so without falling foul of account closure fees.</p> <p>It’s important to make sure your savings are working for you at any time, but its crucial in the current economy, when finances are tight but interest rates are rising.<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/208853/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><em><a href="https://theconversation.com/profiles/fredrick-kibon-changwony-234363">Fredrick Kibon Changwony</a>, Lecturer in Accounting &amp; Finance, <a href="https://theconversation.com/institutions/university-of-stirling-1697">University of Stirling</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/five-ways-to-take-advantage-of-rising-interest-rates-to-boost-your-savings-208853">original article</a>.</em></p>

Money & Banking

Placeholder Content Image

Cancer is rising in under-50s – but the causes are a mystery

<p><em><a href="https://theconversation.com/profiles/ashleigh-hamilton-1468163">Ashleigh Hamilton</a>, <a href="https://theconversation.com/institutions/queens-university-belfast-687">Queen's University Belfast</a></em></p> <p>Cancer is often thought of as a disease that mostly affects older people. But worrying new research shows that cancer in younger adults is a growing problem. The study found there’s been a nearly 80% increase in the number of under-50s being <a href="https://bmjoncology.bmj.com/content/2/1/e000049">diagnosed with cancer</a> globally in the last three decades.</p> <p>Also of concern are the types of cancers being seen in younger adults – with this latest study and previous research showing that cancers thought of as typical of older age groups are now increasingly being diagnosed in younger people. These include <a href="https://pubmed.ncbi.nlm.nih.gov/31105047/">bowel cancer</a>, <a href="https://pubmed.ncbi.nlm.nih.gov/31331685/">stomach cancer</a>, <a href="https://pubmed.ncbi.nlm.nih.gov/32144720/">breast cancer</a>, <a href="https://pubmed.ncbi.nlm.nih.gov/30733056/">uterine cancer</a> and <a href="https://pubmed.ncbi.nlm.nih.gov/35053447/">pancreatic cancer</a>.</p> <p>This is worrying because some of these cancers – particularly <a href="https://www.cancerresearchuk.org/about-cancer/pancreatic-cancer/survival">pancreatic</a> and <a href="https://www.cancer.org/cancer/types/stomach-cancer/detection-diagnosis-staging/survival-rates.html">stomach</a> cancer – have low survival rates, due to the fact they’re often diagnosed at a late stage. Research has also shown that bowel cancer tends to be <a href="https://pubmed.ncbi.nlm.nih.gov/29564176/">diagnosed at a more advanced stage</a> in young people compared with older adults.</p> <p>While it’s clear from this latest study that cancer is becoming more common in those under 50, experts still aren’t entirely sure what’s causing this rise.</p> <h2>Early-onset cancer</h2> <p>The study investigated cancer cases in people under the age of 50 (termed “early-onset cancer”) from 204 countries and regions. The data analysed was collected between 1990 and 2019. The researchers were interested in knowing not only the incidence of early-onset cancer, but what types of cancer had the highest burden in under-50s.</p> <p>They found that in 2019, there were 3.26 million cases of early-onset cancer diagnosed worldwide – a 79% increase since 1990. The authors also predicted that by 2030, the number of under-50s diagnosed with cancer would increase by a further 31%.</p> <p>Breast cancer was the most common early-onset cancer in 2019, but incidences of prostate and throat cancers increased at the fastest rate since 1990. Liver cancer decreased the fastest over the same time period.</p> <p>The number of deaths due to early-onset cancers also increased from 1990 to 2019 – although less quickly than the rate of diagnosis, with 1.06 million deaths worldwide in 2019, an increase of 28%. The cancers with the highest number of deaths in 2019 were breast, lung, bowel and stomach cancers. The age group at greatest risk of early-onset cancer were those in their 40s.</p> <p>In 2019, early-onset breast cancer had the highest burden for women, while early-onset lung cancer the highest burden for men. Women were disproportionately affected in terms of death and poor health from early-onset cancer in low- and middle-income countries.</p> <p>The study also shows that while the highest number of early-onset cancer cases were in developed countries such as western Europe, North America and Australasia, many cases were also seen in low- and middle-income countries. Death rates were also higher in low- and middle-income countries.</p> <p>The main limitation of this paper is the variability of the data collected by different countries, making it difficult to measure its completeness. Nonetheless, it is still useful in getting a picture of global health.</p> <h2>Unknown causes</h2> <p>There’s no single explanation for why cancers are rising in under-50s.</p> <p>Some cancers in younger people happen as a result of a genetic condition – but these only <a href="https://aacrjournals.org/cancerres/article/80/16_Supplement/1122/641186">account for a small number of cases</a> (around 20%).</p> <p>Lifestyle factors such as the foods we eat, whether we drink alcohol or smoke, and being overweight are all linked to an <a href="https://www.cancer.gov/about-cancer/causes-prevention/risk">increased risk</a> of many types of cancer. Research indicates that these factors may be contributing to a rise in <a href="https://pubmed.ncbi.nlm.nih.gov/33524598/">early-onset colorectal cancer</a>, for example. Whether this is true for other types of early-onset cancer remains unknown.</p> <p>Some people affected by early-onset cancers may live healthy lifestyles. This suggests there are probably other reasons for the increase that have not yet been discovered.</p> <p>It’s clear from this research that the landscape of cancer is changing. While the incidence of early-onset cancers is increasing, cancer in this age group is still much less common than for those over-50. Early-onset cancers account for only around a tenth of <a href="https://www.cancerresearchuk.org/health-professional/cancer-statistics/incidence/age">new cases in the UK</a>. But though the numbers are still relatively low, this doesn’t mean the trend we’re seeing isn’t of concern.</p> <p>It will be crucial now to ensure there’s greater awareness of early-onset cancers. Most younger people, and even healthcare professionals, don’t necessarily put cancer at the top of the list when symptoms develop. It’s important for people to see their GP if they notice any new symptoms, as detecting cancer at an early stage leads to a better prognosis.</p> <p>Urgent research into early-onset cancer is also needed at a national and international level. The underlying causes are probably different depending on a person’s sex, ethnicity and where they live.</p> <p>On a personal level, there are many things you can do to reduce your risk of developing cancer. <a href="https://www.cancerresearchuk.org/about-cancer/causes-of-cancer/can-cancer-be-prevented">Following a healthy lifestyle</a> remains important. This includes eating a healthy diet, stopping smoking, exercising regularly, reducing your alcohol intake, being safe in the sun and maintaining a healthy weight. If something doesn’t feel right with your body or you experience any new symptoms, it’s important to see a doctor as soon as you can.<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/212834/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><a href="https://theconversation.com/profiles/ashleigh-hamilton-1468163"><em>Ashleigh Hamilton</em></a><em>, Academic Clinical Lecturer, Centre for Public Health, <a href="https://theconversation.com/institutions/queens-university-belfast-687">Queen's University Belfast</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/cancer-is-rising-in-under-50s-but-the-causes-are-a-mystery-212834">original article</a>.</em></p>

Body

Placeholder Content Image

Facebook Messenger scams are on the rise – here’s how to protect yourself

<p><strong>Facebook Messenger scams prey on our vulnerabilities</strong></p> <p>Scams through Facebook’s Messenger platform are being reported at higher rates than ever before, according to AARP, citing its own data as well as that of the government. Since Facebook’s early days, cybercriminals have been mining Facebook’s direct-messaging capabilities to scam unsuspecting victims out of money. One of the earliest Facebook Messenger scams involved a message, purportedly from a friend, claiming they were stuck in a foreign country and in desperate need of immediate financial assistance to get out. It wasn’t really the friend, however, but rather a scammer who had hacked into the friend’s account. </p> <p>Imposter scams such as “the friend in a foreign country” have evolved and proliferated over the years. The common thread is the scammer either creates an account impersonating an actual Facebook account or hacks into an existing Facebook account. In either case, the scammer then uses the fake/hacked account to send private messages to the account holder’s friends that elicit either money or personal information. The messages vary, but all are designed to prey on our human vulnerabilities, including:</p> <ul> <li>the desire to be a “hero”</li> <li>the desire to appear “generous”</li> <li>the desire to win “free money”</li> <li>the desire to be loved and admired</li> <li>the desire to avoid shame or punishment</li> </ul> <p>If a scammer tries to message you, report them, Facebook advises, but that begs the larger question of how does one recognise a Facebook Messenger scam?</p> <p><strong>Current Messenger Facebook scams</strong></p> <p>According to Facebook and our cybersecurity experts, here are the most common Facebook Messenger scams today:</p> <p><span style="text-decoration: underline;"><em>Romance scams</em></span>. Preying on our desire to be loved and admired, romance scammers appear as attractive strangers with sad stories and a desire to love and be loved. The most effective romance scammers will friend a number of mutual friends before reaching out to any of them, in an attempt to make themselves seem less like strangers and more like people in the same social network. Many use photos they’ve stolen off the Internet and many pose as members of the military or as doctors, in an attempt to inspire trust, admiration, and even authority. What they all have in common is they can’t meet you just yet because they’re somewhere far away, and although it may take a bit of time, even as much as several weeks, they will eventually ask you to send money so that they can come to see you.</p> <p><span style="text-decoration: underline;"><em>Lottery scams</em></span>. Preying on our desire for “free money,” lottery scammers appear as friends or organisations who are thrilled to tell you you’ve won money in some lottery or contest. The common thread? It’s a contest you have no recollection of having entered and to get the prize, you’ll have to either pay a fee or “refundable” advance or provide personal information.</p> <p><span style="text-decoration: underline;"><em>Inheritance scams</em></span>. Also preying on our desire for free money, inheritance scammers claim to be lawyers or others who represent someone who has died and supposedly left you their estate or some portion of it – but first, you’ll have to fork over some money or personal information.</p> <p><span style="text-decoration: underline;"><em>Loan scams</em></span>. Another variation on the “free money” theme is the loan scam, whereby the scammer promises low-interest loans with no money down – except for a “refundable” application fee. Facebook points out that loan scammers may send messages via Messenger and also leave posts and comments on Pages and in Groups to legitimise themselves. However, legitimate lenders wouldn’t offer loans via Facebook Messenger, nor would they ask you for money to proceed with a loan application.</p> <p><span style="text-decoration: underline;"><em>Donation scams</em></span>. Facebook specifically warns users to watch out for “famous people” or people claiming to represent a charity hitting them up for a donation. Donation scams, which are easy money for a scammer because they are a direct request for payment, prey on our desire to be perceived, or to perceive ourselves, as generous.</p> <p><span style="text-decoration: underline;"><em>“Hey, is this you?” scams</em></span>. Consumer Affairs warns of this “phishing scam” that uses the threat of shame to goad you into giving up personal information. The scammer hacks into one of your Facebook friend’s Messenger accounts and sends you a video, asking if it’s really you in the video, and implying there’s something in the video that could embarrass you. If you ever get a message like this, Consumer Affairs urges you to ignore and delete it to avoid giving away personal information or introducing a virus onto your computer.</p> <p><strong>Red flags to watch out for</strong></p> <p>Unfortunately, Facebook Messenger scams evolve rapidly (as soon as we suss them out, there are several more to replace them). So, it’s a good idea to be aware of these warning signs that we culled from our experts:</p> <p><span style="text-decoration: underline;"><em>Someone is asking you for money</em></span>. While Facebook warns specifically against strangers asking for money, Rachel Wilson, investigative coordinator for The Smith Investigation Agency, points out to Reader’s Digest that any time anyone asks you for money over Messenger, it’s immediately suspect. “If friends or family ask you to help them in an emergency, always call to speak with them personally to confirm that the message originated with them.”</p> <p><span style="text-decoration: underline;"><em>Someone is getting a little too personal</em></span>. When someone sends you a message requesting personal information, especially financial information, it should be considered suspicious, advises Sean Messier, credit industry analyst for Credit Card Insider. Messier suggests not revealing any such information until you’re certain the message-sender is who they claim to be, but it’s probably also a good idea to never reveal any such information over Messenger at all.</p> <p><span style="text-decoration: underline;"><em>Someone is offering something for free</em></span>. You know how they say there’s no such thing as a free lunch? Well, there’s no such thing as free money on Facebook, points out Robert Siciliano, security expert. This is true for any kind of “free money” Messenger message, including those involving lotteries, loans, contest winnings, inheritances, lost bank accounts, and reimbursements of money owed.</p> <p><span style="text-decoration: underline;"><em>Someone who wants to take the conversation off Facebook (to text or email, etc)</em></span>. Facebook warns against taking conversations off Facebook unless you’re absolutely certain, beyond a shadow of a doubt, the message sender is who they say they are.</p> <p><span style="text-decoration: underline;"><em>Messages that seem out of character for the sender</em></span>. If a message seems “out of the norm” for the sender, trust your instincts and ignore it. This is doubly true if the message includes an attachment. Be very wary of opening attachments in general, and particularly if something seems “off” about the message or the sender.</p> <p><span style="text-decoration: underline;"><em>Messages rife with spelling and grammatical errors</em></span>. Facebook points out that when a message is filled with typos and grammatical errors, you should have your guard up. A single typo is one thing, but things like the misspelling of names and places are a big red flag.</p> <p><span style="text-decoration: underline;"><em>Messages from new accounts with few friends</em></span>. Roger Thompson, CEO of Thompson Cybersecurity Labs, points out that new accounts with few friends should always be considered suspicious until confirmed otherwise. Friend requests from such accounts and from duplicate friend accounts should be considered suspect as well.</p> <p>To avoid getting hacked (and used by a cybercriminal in an imposter scam), Wilson recommends updating your social media passwords regularly and always use two-factor authentication. She also notes that with Facebook use increasing among seniors, it would be a good deed to speak to older family members about Messenger scams and how to avoid them.</p> <p><em>Image credits: Getty Images </em></p> <p><em>This article originally appeared on <a href="https://www.readersdigest.co.nz/true-stories-lifestyle/science-technology/facebook-messenger-scams-are-on-the-rise-heres-how-to-protect-yourself" target="_blank" rel="noopener">Reader's Digest</a>.</em></p>

Technology

Placeholder Content Image

How to deep clean your kitchen bin

<p>Cleaning the kitchen bin is household chore that can be easily overlooked until a stench begins to creep into your home.</p> <p>To rid your bin of the odour, follow these deep cleaning steps so that you can have a fresh-smelling and clean kitchen bin.</p> <p><strong>1. Put on your rubber gloves</strong></p> <p>Cleaning a bin requires you to handle an object that has been full of food scraps and questionable liquids, it is best to wear some rubber gloves to protect you from the germs.</p> <p><strong>2. Empty the bin</strong></p> <p>Begin by emptying your bin and ensuring that there are no lingering food particles in the bottom. Your main objective is to remove any gunk that can be seen.</p> <p><strong>3. Wash the bin</strong></p> <p>If you have access to an outside area, take your bin outside and hose it down. If you can only clean your bin indoors, then you can do this in the bathtub. Once the bin has been rinsed, pat it down with paper towel.</p> <p><strong>4. Spray with disinfectant</strong></p> <p>Using a disinfectant cleaner of your preference, generously spray down the inside and outside of your bin. Also include the top and bottom of the bin as you spray.</p> <p><strong>5. Scrub the bin</strong></p> <p>Use a toilet brush or other long-handled nylon bristle brush to scrub your bin thoroughly. After you have finished scrubbing all over, let the disinfectant cleaner sit for five minutes.</p> <p><strong>6. Rinse and dry</strong></p> <p>After the five minutes has passed, rinse the can thoroughly. Depending on what you prefer, let the bin dry in the sun or dry it with a towel.</p> <p>Once you have deep cleaned your bin, maintain your hard work by wiping down the inside and outside of the bin with disinfectant spray every time you empty the trash can.</p> <p><em>Image credits: Getty Images</em></p>

Home & Garden

Placeholder Content Image

8 surprising alternatives to popular European destinations

<p>That’s the problem with great destinations – they become too popular for their own good. So we’ve found some alternatives that are just as good.</p> <p><strong>Instead of: Croatia</strong></p> <p><strong>Try: Montenegro</strong></p> <p>The yacht set have known about Montenegro’s charms for years, but the rest of the world is just getting onboard. Sitting just south of Croatia, the country shares its same gorgeous coastline, beautiful beaches and historic walled cities, but with hardly any of the crowds. It’s sat at the border of east and west for more than 400 years, so expect a fascinating cultural mix and even a unique communist legacy thrown in.</p> <p><strong>Instead of: Prague</strong></p> <p><strong>Try: Brno</strong></p> <p>Hard to pronounce, easy to love. The Czech Republic’s second city is a winning combination of old and new. Baroque cathedrals and historic houses rub shoulders with lively pubs, trendy cocktail bars and contemporary art museums. Plus, as with all of the Czech Republic, Brno is great value – and you won’t come across any of the UK bucks parties that seem to trawl other capitals in Eastern Europe.</p> <p><strong>Instead of: Cinque Terre</strong></p> <p><strong>Try: Rapallo</strong></p> <p>There’s no denying that the Cinque Terre is stunning – provided you can find a hotel in high season. Instead, head around 50 kilometres north along the coast to the charming town of Rapallo. You’ll find the same brightly coloured buildings, a 16<sup>th</sup> century castle perched above the sea and pebbly beaches lined with retro changing huts. All this for a fraction of the price.</p> <p><strong>Instead of: Canary Islands</strong></p> <p><strong>Try: Azores</strong></p> <p>These Portuguese islands sit around 2,000 kilometres off the west coast of continental Europe, so they’re something of a hidden gem. They miss out on most of the tacky package tours from the UK and have less of a party vibe than other islands in the Med. Referred to as the Hawaii of the Atlantic, you’ll find a landscape volcanic peaks and dramatic crater lakes while offshore there’s world-class surfing, diving and whale watching.</p> <p><strong>Instead of: Florence</strong></p> <p><strong>Try: Bologna</strong></p> <p>Did you know some 16 million tourists visit Florence every year? That’s a lot for a town with a permanent population of less than 400,000. The university town of Bologna gets only a fraction of that and has just as much to offer. The streets are lined with historic religious architecture, the food is incredible and the whole city seems to embrace the culture of aperitivo (afternoon cocktails with friends). We’re sold.</p> <p><strong>Instead of: Berlin</strong></p> <p><strong>Try: Warsaw</strong></p> <p>Berlin is considered Europe’s capital of cool, but Warsaw can give it a run for its money. The city was largely flattened in World War II and was rebuilt in a fascinating mish mash of styles that makes it unlike anywhere else in the world. Restored Gothic buildings sit alongside Communist-era concrete blocks and sleek glass towers rise from gritty laneways. It’s also home to fantastic museums covering everything from the Jewish ghettos to Chopin.</p> <p><strong>Instead of: Interlaken</strong></p> <p><strong>Try: Bovec</strong></p> <p>Switzerland is notoriously expensive, so the Slovenian town of Bovec is a great value alternative. It’s known as the adventure capital of eastern Europe and the surrounding Julian Alps are ideal for hiking, canyoning, mountain biking, white water rafting and skiing in winter. The best part is, they will cost around half of what they would in Interlaken.</p> <p><strong>Instead of: Budapest</strong></p> <p><strong>Try: Tallinn</strong></p> <p>It wasn’t long ago that Budapest was itself an ‘alternative city’, but cheap flights and the river cruise boom have pushed it up to the top of the list. The medieval city of Tallinn, capital of Estonia, sits on the Baltic Sea and is a unique mix if Scandinavian, European and Russian culture. The magnificent onion-domed St Alexander Nevsky Cathedral is reason enough to visit, though once you’re there you’ll also love the cool design shops springing up and the very cheap (and very good) local beer.</p> <p><em>Image credits: Getty Images</em></p>

International Travel

Placeholder Content Image

5 super simple ways to save cash for retirement

<p>During the lead-in to retirement, money management becomes more important than ever. And while we often get lost pondering over in the major financial decisions, getting the minor financial decisions right can be just as important.</p> <p>We’re going to run through five simple ways any soon-to-be-retiree can save cash for their golden years. Sometimes the smallest changes make the biggest difference. </p> <p><strong>1. Set targets</strong></p> <p>Saving can be difficult if you don’t know where the goalposts are placed. But how much do you really need to retire? As <a href="http://119.9.30.84/blog/are-you-retirement-ready" target="_blank"><strong><span style="text-decoration: underline;">Equip notes</span></strong></a>, “According to ASFA (the Association of Superannuation Funds of Australia), a couple needs approximately $640,000 in retirement savings for a comfortable lifestyle. For a single person that number is $545,000.”</p> <p>Setting minor saving targets, even if it’s just a little bit of money here and there every week, can get the ball rolling and start putting yourself in a position to prop up your nest egg.</p> <p><strong>2. Shop smarter</strong></p> <p>While you don’t want to be living like a miser, smarter shopping choices can add up. Keeping your ear to the ground for discounts, taking advantage of specials and avoiding any discretionary purchases will help keep you in the black.</p> <p><strong>3. Clear any outstanding debt</strong></p> <p>Debt can be an inconvenient drain on your income in the lead-in to retirement. If you’re set to take the plunge and find yourself in a mire of debt, it’s important to take necessary steps as soon as possible, which might mean finding a financial planner. </p> <p><a href="http://119.9.30.84/blog/are-you-retirement-ready" target="_blank"><strong><span style="text-decoration: underline;">Equip says</span></strong></a>, “Having outstanding debts as you approach retirement isn’t necessarily a problem, but it does require some planning. For example - do you use your super to pay off your mortgage? There’s no simple answer, but speaking to a financial planner can help you understand your options and what they mean in the long term.”</p> <p><strong>4. Change spending habits</strong></p> <p>Ultimately, if you’re looking to save some extra cash for retirement you’re going to have to change your spending habits. Little things like drinking coffee at home, or staying in for lunch and dinner can make a big difference in the long run.</p> <p><strong>5. Explore your options</strong></p> <p>Taking the measures listed above is a good start, but you’re only scratching the surface of what you can do to prop up your retirement income. <a href="https://www.equipsuper.com.au/financial-planning/meet-our-financial-planners" target="_blank"><strong><span style="text-decoration: underline;">Qualified financial planners</span></strong></a> can give you advice and guidance on little things you can do in your day to day life that will ensure you’re in a better position when you’ve reached retirement. </p> <p>What measures do you take to save cash?</p> <p><em><span style="text-decoration: underline;"><strong><a href="https://www.equipsuper.com.au/" target="_blank">Equip</a></strong></span> manages $7 billion of investments for members working across a wide range of Australian industry sectors. This <span style="text-decoration: underline;"><strong><a href="https://www.equipsuper.com.au/" target="_blank">superannuation fund</a></strong></span> has been providing strong investment performance and has been a reliable provider of retirement benefits for over 80 years.</em></p> <p><em>This article is for general information only. You should seek formal financial advice on your specific circumstances.</em></p>

Money & Banking

Placeholder Content Image

Escape to the Country star’s heartbreaking cancer update

<p>Jonnie Irwin, star of Escape to the Country, has shared a heartbreaking update on his battle with terminal cancer. </p> <p>The TV star - who was diagnosed with Stage IV lung cancer and given only six months to live in 2020 - sat down for an interview with <em>The Sun </em>after early 50th birthday celebrations, where he opened up about his diagnosis, and the impact it has had on himself and his young family.</p> <p>Jonnie is the father of three young boys with his devoted wife, Jess. Rex - the couple’s eldest - is four, while their twins Rafa and Cormac are only two. And he was recounting a football game with his eldest son, Rex, when he revealed that he’s feeling the physical weight of his ongoing fight, explaining that he “tried to play football with Rex the other day and was in goal and I couldn’t get near the ball. It was so frustrating.</p> <p>“I’m very sporty and suddenly it’s just like … it was as if it was the first time I’d attempted football. I felt like a granddad. And that broke me a bit.</p> <p>“I always thought, ‘I’m an older dad but I’ll be leading from the front’.</p> <p>“But I’m now at the back.”</p> <p>“I’m weak now, fragile, and my memory is terrible,” he later added, “but I’m still here.”</p> <p>Jonnie only announced his diagnosis in 2020, when his appearance change had become noticeable. </p> <p>“People didn’t know for such a long time, which helped with not having the conversation for some time,” Jess explained. </p> <p>“Our friends knew, but not the severity of it, and Jonnie looked well so it was never really a topic we discussed. The physical side of it came more recently. Now it’s all we talk about at home.”</p> <p>Jess went on to explain that while she knows Jonnie is trying to “cross every T and dot all the I’s” for their family, she’s been trying to stress to him that he should “do what makes you happy. If you want to do something, just do it.”</p> <p>“I just want to be able to bring any bit of fun and enjoyment back into his life,” she added, “which is really hard to do, especially with the reality of how much he’s struggling on a day-to-day basis.”</p> <p>Their children have served as something of a distraction for them, although Jess admits they haven’t quite been able to wrap their heads around the enormity of the truth. </p> <p>“I don’t have time to think to be honest,” Jess said, “and I know that Jonnie is doing all that he can with the diet, the resting, the supplement, research, [and] looking into treatment. Jonnie is partly still here because of sheer willpower. </p> <p>“He’s stubborn and determined and he’s a scrapper. </p> <p>“I think I’m still in denial about a lot of it if I’m honest.”</p> <p>Despite the weight of their situation, Jonnie, Jess, and their loved ones recently came together to celebrate - although he won’t be turning 50 until November, the couple decided to celebrate his birthday early with over 150 of their nearest and dearest friends and family. </p> <p>“It was a great night,” Jonnie recalled. “I chose a playlist with some great tunes from the 90s and 2000s and people came from all over the country and abroad.</p> <p>“I didn’t know the extent of the loyalty and generosity that my friends would exhibit.</p> <p>“I’ve been dumbfounded and spellbound by their support, as well as that of our families, who have been amazing. I just wanted to do something to celebrate my birthday and had no idea how many people would actually turn up. It was incredible.”</p> <p><em>Images: Instagram</em></p>

Caring

Placeholder Content Image

Resistance to mega-tourism is rising in the South Pacific – but will governments put words into action?

<p>With COVID-19 travel restrictions largely a thing of the past for Australian and <a href="https://www.newshub.co.nz/home/travel/2022/12/fiji-more-popular-with-kiwi-tourists-than-it-was-pre-covid-19.html">New Zealand tourists</a>, Pacific destinations are enjoying the return of visitors – albeit at a <a href="https://devpolicy.org/the-pacific-emerging-from-covid-slowly-20221019/">slower pace</a> than in other parts of the world.</p> <p>Tourism in Fiji, Samoa, Vanuatu and the Cook Islands was <a href="https://www.imf.org/-/media/Files/Countries/ResRep/pis-region/small-states-monitor/pacific-islands-monitor-issue-17-october-2022.ashx">hit hard by the pandemic</a>, but <a href="https://www.massey.ac.nz/about/news/pacific-islands-resilient-as-covid-19-topples-tourism/">patience and resilience</a> are starting to pay off. Foreign dollars are once again circulating in those small economies. Recently, <a href="https://www.mvariety.com/business/kiribati-welcomes-first-cruise-ship-visit/article_30ca4be0-b0f7-11ed-9b9d-93619a4dfba6.html">Kiribati welcomed</a> its first international cruise ship since 2020.</p> <p>But this isn’t a simple case of returning to normal. The past three years have allowed time for reflection, leading to a rising awareness of <a href="https://southpacificislands.travel/pacific-sustainable-tourism-leadership-summit-calls-on-pacific-leaders-to-work-together-to-build-resilient-futures/">possible alternatives</a> to pre-pandemic tourism models.</p> <p>From senior levels within governments to grassroots tourism operators and citizens, there has been serious discussion about the resumption of business as usual, including several <a href="https://southpacificislands.travel/2021-ends-on-a-high-with-pacific-islands-tourism-research-symposium/">regional symposiums</a> hosted by the South Pacific Tourism Organisation.</p> <p>Issues of sovereignty and future resilience have been very much to the fore – quite untypical in a global tourism industry largely focused on <a href="https://etc-corporate.org/news/europes-tourism-rebound-predicted-to-continue-into-2023/">boosting numbers</a> as soon as possible. Questions remain, however, about the gap between rhetoric and reality.</p> <h2>Flipping the narrative</h2> <p>The <a href="https://southpacificislands.travel/2022-pacific-sustainable-tourism-leadership-summit/">Pacific Sustainable Tourism Leaders Summit</a> in November 2022 brought together tourism ministers and industry stakeholders to discuss the future of regional tourism. This led to a <a href="https://southpacificislands.travel/pacific-sustainable-tourism-leadership-summit-calls-on-pacific-leaders-to-work-together-to-build-resilient-futures/">regional commitment</a> signed by 11 countries focused on promoting sustainable tourism.</p> <p>Essentially, the aim is to flip the narrative: rather than Pacific nations being seen as dependent on tourism, regional tourism itself depends on the Pacific and its people surviving and thriving. Accordingly, Pacific countries are calling for fairer and more meaningful relationships with tourism partners.</p> <p>Cook Islands’ associate minister of foreign affairs and immigration, Tingika Elikana, urged other Pacific leaders at the summit to rebuild tourism in a way that was <a href="https://www.fijitimes.com/inclusive-pacific-summit-calls-on-regional-leaders-to-work-together/">equitable and inclusive</a>, "[it] is crucial that lessons are learned from recent crises and that steps are taken to embed long-term inclusivity, sustainability, and resilience into our tourism offering as it faces evolving challenges and risks."</p> <p>Vanuatu has been heading in this direction since early in the pandemic, when it made “destination wellbeing” <a href="https://www.traveldailymedia.com/vanuatu-tourism-adopts-well-being-approach-for-covid-19-recovery/">central to its tourism recovery</a>. The aim of “moving beyond solely measuring visitor arrivals and contribution to GDP” then fed into the country’s <a href="https://tourism.gov.vu/images/DoT-Documents/Presentations/Vanuatu_Sustainable_Tourism_Strategy_2020-2030-2020_.pdf">Sustainable Tourism Strategy</a>, launched at the height of the pandemic.</p> <h2>Push-back on resorts and cruise ships</h2> <p>This reappraisal of scale and priorities has perhaps been most evident in Fiji where there has been <a href="https://www.fijitimes.com/project-unoriginal/">strong opposition</a> to a US$300 million mega-project proposed by Chinese developers.</p> <p>The hotel, apartment and marina complex would be built in an area containing one of the last remaining remnants of mangrove forest near the capital, Suva. Conservationists and local residents have been critical of the <a href="https://www.rnz.co.nz/international/pacific-news/484141/conservationist-calls-on-fiji-govt-to-preserve-rare-mangrove">environmental</a> and <a href="https://www.fijitimes.com/how-can-fiji-supply-water-to-project/">infrastructural</a> impact of the proposed development, as well as the <a href="https://www.fijitimes.com/project-unoriginal/">authenticity of its design</a>.</p> <p>There is <a href="https://www.rnz.co.nz/international/pacific-news/484710/costly-development-of-suva-forest-may-now-not-happen">now doubt</a> about whether the government will renew the developer’s lease, due to expire in June. The minister for lands and mineral resources has said “there’s been a lack of transparency” from the developers, and that he “will continue to monitor the remaining conditions of the development lease”.</p> <p>A leading opponent of the project, Reverend James Bhagwan, <a href="https://www.rnz.co.nz/international/pacific-news/484710/costly-development-of-suva-forest-may-now-not-happen">told Radio New Zealand</a>, "we'’re not anti-development, but what we’re saying is we need to look at development from a perspective that places the environment at the centre, not at the periphery.</p> <p>There is a precedent here: approval for a multi-million-dollar resort and casino development on Malolo island was revoked in 2019 after another Chinese developer, Freesoul Investments, destroyed part of a reef, dumped waste and disrupted traditional fisheries. In 2022, the High Court fined the company <a href="https://www.newsroom.co.nz/resort-developers-found-guilty-over-fiji-island-disaster-1">FJD$1 million</a>. It was the first time a developer had been punished for an “environmental crime”.</p> <p>Environmental concerns are also causing other Pacific countries to resist a return to mass tourism. In Rarotonga, Cook Islands, annual visitor numbers before the pandemic were ten times the island’s local population. The ability to cope with that level of tourism has since been <a href="https://www.rnz.co.nz/international/pacific-news/443141/cook-islanders-considering-how-much-tourism-is-too-much">seriously questioned</a>.</p> <p>And in French Polynesia, the government has <a href="https://www.nzherald.co.nz/travel/french-polynesia-the-latest-country-to-ban-mega-cruise-ships/RXY2PDLCWPAIZRVNENLHJ6Z2N4/">banned port calls</a> for cruise ships with a capacity greater than 3,500 passengers. The decision was based on concerns about air pollution, stress on the marine environment and social impacts. Daily cruise arrivals to Bora Bora are now restricted to 1,200 passengers, much to the <a href="https://www.rnz.co.nz/international/pacific-news/407885/bora-bora-calls-for-ban-on-large-cruise-ships">relief of locals</a>.</p> <h2>A new kind of tourism?</h2> <p>In the face of uncertainties due to climate change and geopolitical tensions in the region, it’s encouraging to hear local voices being heard in debates about the future of Pacific tourism – and political leaders appearing to respond.</p> <p>The Pacific Island Forum leaders’ retreat in Fiji late last month discussed the tourism industry. The forum’s signature <a href="https://www.forumsec.org/2050strategy/">Blue Pacific Strategy</a> for regional co-operation recognises tourism is an important component of national development, and the need to balance economic pressures with environmental and cultural protection.</p> <p>But despite the apparent political will and regional focus on building resilience, tourism development will undoubtedly continue to challenge the desires and initiatives of Pacific peoples seeking more sustainable futures.</p> <p>While the policy rhetoric sounds good, it remains to be seen whether Pacific governments will remain steadfast and united under mounting pressures from major cruise operators, Chinese commercial interests and large hotels looking to maximise occupancy rates.</p> <p>Many Pacific people reported the natural environment – along with social, spiritual, physical and mental wellbeing – <a href="https://www.internationaljournalofwellbeing.org/index.php/ijow/article/view/2539">improved during the pandemic pause</a> in tourism. But the reality of putting local wellbeing ahead of profits and increased tax revenue is yet to be fully tested as tourism bounces back.</p> <p><em>Images: Getty</em></p> <p><em style="box-sizing: border-box; color: #212529; font-family: -apple-system, 'system-ui', 'Segoe UI', Roboto, 'Helvetica Neue', Arial, sans-serif, 'Apple Color Emoji', 'Segoe UI Emoji', 'Segoe UI Symbol', 'Noto Color Emoji'; font-size: 16px; background-color: #ffffff;">This article originally appeared on <a href="https://theconversation.com/resistance-to-mega-tourism-is-rising-in-the-south-pacific-but-will-governments-put-words-into-action-201071" target="_blank" rel="noopener">The Conversation</a>. </em></p>

International Travel

Placeholder Content Image

Great Scott! Michael J. Fox poses with new pup

<p>Michael J. Fox has a new furry friend, and fans are saying the pup resembles the dog from the <em>Back to the Future</em> movies.</p> <p>The 61-year-old icon shared a post on Instagram featuring himself snuggled up with his adorable new dog, whom he named Blue.</p> <p>The star captioned his post, “Hey Blue, welcome to your new home!”</p> <p>Fans of Fox flocked to the comments to share their thoughts on the new pup as well as comparing the dog’s looks to Dr Emmet Brown’s dog in the <em>Back to the Future</em> trilogy.</p> <p>The dog featured in the trilogy, the infamous Einstein, was a similar breed to Fox’s new furry friend.</p> <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-captioned="" data-instgrm-permalink="https://www.instagram.com/p/CpePqBRr3A5/?utm_source=ig_embed&amp;utm_campaign=loading" data-instgrm-version="14"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"> </div> </div> </div> <div style="padding: 19% 0;"> </div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"> </div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <div style="padding: 12.5% 0;"> </div> <div style="display: flex; flex-direction: row; margin-bottom: 14px; align-items: center;"> <div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(0px) translateY(7px);"> </div> <div style="background-color: #f4f4f4; height: 12.5px; transform: rotate(-45deg) translateX(3px) translateY(1px); width: 12.5px; flex-grow: 0; margin-right: 14px; margin-left: 2px;"> </div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(9px) translateY(-18px);"> </div> </div> <div style="margin-left: 8px;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 20px; width: 20px;"> </div> <div style="width: 0; height: 0; border-top: 2px solid transparent; border-left: 6px solid #f4f4f4; border-bottom: 2px solid transparent; transform: translateX(16px) translateY(-4px) rotate(30deg);"> </div> </div> <div style="margin-left: auto;"> <div style="width: 0px; border-top: 8px solid #F4F4F4; border-right: 8px solid transparent; transform: translateY(16px);"> </div> <div style="background-color: #f4f4f4; flex-grow: 0; height: 12px; width: 16px; transform: translateY(-4px);"> </div> <div style="width: 0; height: 0; border-top: 8px solid #F4F4F4; border-left: 8px solid transparent; transform: translateY(-4px) translateX(8px);"> </div> </div> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center; margin-bottom: 24px;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 224px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 144px;"> </div> </div> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;"><a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none;" href="https://www.instagram.com/p/CpePqBRr3A5/?utm_source=ig_embed&amp;utm_campaign=loading" target="_blank" rel="noopener">A post shared by Michael J Fox (@realmikejfox)</a></p> </div> </blockquote> <p> People wrote comments such as, “Einstein came back using the time machine,” and “Aww he looks like a baby Einstein!”</p> <p>The dog in the films was a fully grown sheepdog that went on some serious adventures with Fox’s character, Marty McFly and Doc Brown, played by Christopher Lloyd.</p> <p>Several A-list stars also took to the comments on Fox’s post.</p> <p>“Oh my gosh!! So cute 🥰,” wrote Julianne Moore.</p> <p>Jennifer Grey from <em>Dirty Dancing</em> expressed her thoughts through a series of emojis, commenting, “💞🐶👅🐶👅💞,"</p> <p>Fox is known to be a dog lover, having mourned the loss of his previous dog, Gus, in April of 2021.</p> <p>When he announced the loss of Gus on Instagram, he captioned his post, “Gus - great dog and loyal friend, we'll miss you.”</p> <p>The actor has mentioned several times how much of a “wonder dog” Gus had been over the years.</p> <p><em>Image credit: Instagram/Reddit</em></p>

Family & Pets

Placeholder Content Image

Back to the Future stars reunite

<p>It’s been 37 years since the cinematic masterpiece, Back to the Future part 1, graced our screens. You might be wondering where they are now, although the appropriate question would be, “when the hell are they?”</p> <p>The Back to the Future stars joined up at a fan convention in Portland, USA, and the excitement from fans sighting Michael J. Fox, Christopher Lloyd, Lea Thompson and Thomas Wilson used up a lot more energy than 1.21 gigawatts.</p> <p>Last year, Fox and Lloyd came together on stage at Comic-Con in New York in an emotional display, which brought fans in the audience to tears.</p> <p>On stage, Fox said, referring to his co-star Lloyd, “The best part of the movie was working with Chris,” going on to say he was a genius, also revealing there was “immediate chemistry” between the pair.</p> <p>Fox played the iconic Marty McFly in the 1985 movie. Director Robert Zemeckis had originally cast Eric Stolz as Marty, however, due to conflict with his schedule on Family Ties, Stolz couldn’t continue with the project.</p> <p>Stolz started filming in November 1984 but was replaced by early January. Aside from the schedule conflict with Stolz, it was reported that early footage was also underwhelming. Now that’s heavy!</p> <p>Fox officially joined the production in mid-January of 1985.</p> <p>Fox played Marty McFly in all three Back to the Future movies, Great Scott!</p> <p>The fans are on a sweet nostalgia trip seeing the cast back together after over three decades.</p> <p><em>Image credit: Instagram</em></p>

Movies

Placeholder Content Image

Rising martial arts star dies aged 18

<p>Victoria "The Prodigy" Lee, one of the world's most gifted young mixed martial arts athletes, has tragically died at the age of 18. </p> <p>Victoria's sister Angela confirmed the news on Instagram, saying the teenager died on December 26th 2022. </p> <p>Sharing a heart-felt tribute to her sister, Angela wrote, "On December 26, 2022 our family experienced something no family should ever have to go through. It is incredibly difficult to say this... Our Victoria passed away."</p> <p>"She has gone too soon and our family has been completely devastated since then. We miss her. More than anything in this world. Our family will never be the same. Life will never be the same."</p> <p>"Each and every little thing makes me think of you. From the sun rays, to the sunset. You taught us to see the beauty in the simple things. You were our bright light. Our sunshine. And that will never change. You were perfect in every way. The best person I knew. The most beautiful girl, inside and out."</p> <p>Lee was born and raised in Hawaii, where she was part of a family with a strong MMA pedigree. </p> <p>Both of Victoria's siblings hold championship MMA titles from around the world, with Victoria following in their footsteps and donning the stage name The Prodigy. </p> <p>ONE, the largest MMA promoter in Asia, paid tribute to Victoria and her family's devastating loss, as chairman Chatri Sityodtong recalled the first time he met the aspiring athlete. </p> <p>“I first met Victoria when she was 11 years old,” <a href="https://www.facebook.com/photo/?fbid=5969693956426049" data-link-name="in body link">he wrote in a Facebook post</a>. “I watched her blossom over the years as a martial artist and a human being. I always remember thinking how wise, thoughtful, and selfless she was beyond her years."</p> <p>"Of course, she was an extraordinary martial arts prodigy even back then, but I could see that she was so much more than that. Victoria had the purest heart of gold and a brilliant mind. She looked after others before herself. She wanted to use her life to help the world. I will always remember Victoria for the beautiful and precious soul that she was.”</p> <p><em>Image credits: Instagram </em></p>

Caring

Placeholder Content Image

5 vitamin deficiencies your body is trying to tell you

<p>It’s so common to have marks, bumps or blemishes on our body and just ignore them until they go away. But what if they don’t? What if your eyes, skin or hair is trying to tell you that you are lacking in a specific vitamin or mineral, which could be affecting your health and wellbeing? Speak to your doctor if you have any of these symptoms, and they can help you diagnose and treat any deficiencies.</p> <p><strong>1. Calcium deficiency</strong></p> <p>Do you have weak or brittle nails, numbness in your extremities, or regular muscle cramps? Calcium deficiency could be a problem for you. It’s not just in dairy (though that is a great source) but also in seaweed, leafy greens, legumes and nuts. You can also find calcium-fortified products such as specific cereals, orange juice and soy milk.</p> <p><strong>2. Vitamin C deficiency</strong></p> <p>Do you bruise more easily than you used to? Do you have cuts and wounds that seem to take a long time to heal? This could be a sign that you are low in vitamin C. And it’s not just from a lack of oranges. The best places to find this vitamin include strawberries, kiwi, broccoli and red capsicums.</p> <p><strong>3. Iron deficiency</strong></p> <p>If you look unusually pale, have cold hands and feet, or a swollen tongue, you could be lacking in iron. As well as iron supplements, you can bulk up your iron intake with iron-rich foods such as red meat, fish and legumes.</p> <p><strong>4. Omega 3 deficiency</strong></p> <p>Do you have bumps on the skin on your upper arms, dandruff, dry hair or dry eyes? You could be low in omega 3. Generally found in fish, seeds and nuts, leafy greens and eggs – it can also be ingested as a supplement from the chemist.</p> <p><strong>5. B12 deficiency</strong></p> <p>B12 is readily available in meat, so this is a common deficiency in vegetarians and vegans. B12 is also less able to be absorbed from food as we get older. Signs of deficiency include skin irritation and dermatitis, lethargy and unusual weakness, pins and needles, and a smooth red tongue is also common (the little bumps disappear). You can get B12 in tablets or as an injection, but ideally you can get it from your food. Go for meat, leafy greens, mushrooms and nuts.</p> <p>Do you have any of these symptoms? Will this article encourage you to speak to your doctor to get checked out?</p>

Body

Placeholder Content Image

What will be your legacy?

<p>Maybe you’ve never thought about it, but how you’ll be remembered, and who you’ll be remembered by will be determined by the legacy you’ll leave. If you want your life to count then why leave it to chance when your legacy can be planned and purposeful, and in doing so, establish a firm foundation which generations can build upon?</p> <p>The mistakes of generations-past will be repeated by generations-future up until someone has the vision and determination to derive a different outcome. If not you, then who?</p> <p><strong>A legacy framework</strong></p> <p>Let’s play a game: what’s a word – just one word – you’d like others to use that encapsulates how you’d like to be remembered after you’re gone? For instance, assuming your name was Bobby, imagine a friend at your funeral saying “You know, I always found Bobby to be so…” </p> <p>It might be loving, or honest, or faithful, or sincere or any number of things. Now ask yourself this: "Is how I’m living congruent with how I want to be remembered?" If it is, great. If it isn’t, will you change while you still have time?</p> <p>If you’re interested in being organised and purposeful in leaving a legacy, consider this: your legacy is the summary of your deeds, which is the summary of your actions, which is the summary of your intentions. If you want to leave a bigger legacy then start by being purposeful with your intentions, impactful with your actions, and altruistic with your deeds.</p> <p><strong>Largesse</strong></p> <p>Your largesse is the way and extent to which you distribute money or gifts upon others. Largesse may be, but doesn’t necessarily have to be, financial. To be significant, largesse must be predominantly selfless. Any contribution to humanity that results in a gift qualifies, which is why the largesse of the likes of Nelson Mandela, Mahatma Gandhi and Mother Teresa remain significant.</p> <p>Perhaps the ripples of the contribution you leave won’t be as large or as wide as those of Mother Teresa, but that doesn’t make your effort any less important or less worthy. Many small things done well are usually far better than a few great things done poorly. But remember, a selfless act can’t be called so if there are selfish ambitions behind it. Selfish largesse is rarely remembered beyond one generation or is remembered for the wrong reasons like the legacy of any historical tyrant you care to mention whose selfishness caused the death of countless innocent lives.</p> <p><strong>Remembering Nobel</strong></p> <p>Alfred Nobel was a controversial figure for much of this life, and while his inventions improved the industrialised world, he was not universally loved. His work improving military explosives resulted in him being accused of high treason. Upon his death, Nobel bequeathed 94 per cent of his estate be converted into a fund and invested in safe securities, with the income earned from those investments to be ‘distributed annually in the form of prizes to those who during the preceding year have conferred the greatest benefit to humankind’.</p> <p>Why did Nobel perform such a generous act? No-one knows for sure but one possibility is that a French journalist, upon mistakenly reporting his death, eulogised Nobel as a ‘merchant of death’. Reportedly appalled, Nobel shifted his focus to philanthropy and used his fortune to create a legacy to further, not frustrate, humanity. Today, Nobel is revered for his substantial and ongoing contribution to the promotion of peace—a legacy of significance funded by his significant wealth.</p> <p><strong>Do-Doing-Done</strong></p> <p>How do you leave a legacy? First you’ll need to cast a vision for how you want to be remembered. Thereafter every thought and every action in every hour of every day is an opportunity to make a legacy deposit by acting congruently, or legacy withdrawal by acting incongruently, with your vision. </p> <p>The bigger your legacy balance, the more impactful your legacy will be.</p> <p>The trick is to remain persistently consistent with cycling through your intentions (what you want to do), your actions (what you’re doing), and your accomplishments (what you’ve done). Doing so will build momentum and scale. </p> <p>My old high school motto was Spectumer Agendo. It is Latin and means ‘By their deeds they shall be known.’ What are your deeds, and how will you be known?  If you want your life to count, do more things that count! Don’t be consumed with petty people or petty matters. Remained focussed on the things you can control. </p> <p><strong>Greek Proverb</strong></p> <p>Here’s a Greek proverb that caught my attention recently: wise men plant trees under whose shade others will sit. This is a beautiful phrase that captures the notion of sowing a blessing today for others tomorrow; a lovely way to capture the concept of legacy. I might have taken the proverb a little too literally because etched on my heart is a vision to return the 600 hectares of land I purchased back in 2018 into a permanent multi-species native forest. If you don’t have your own legacy project on the go and rehabilitating environments, restoring damaged ecosystems or renewing habitat for wildlife is something you care about, you’re welcome to join with me, my family and others as we change the world one tree at a time. Find out more at www.TreeChange.com</p> <p>Will your legacy be a burden or a blessing? It’s not too late to decide, or change if you aren’t happy with the current situation. </p> <p><strong>Edited extract from Steve McKnight’s <em>Money Magnet: How to Attract and Keep a Fortune that Counts</em> (Wiley $32.95), now available at all leading retailers or online at www.moneymagnet.au</strong></p> <p><em>Image: Getty Images</em></p>

Mind

Placeholder Content Image

Why you should beware spending rewards and BNPL programs

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

Money & Banking

Placeholder Content Image

How to make your money count

<p>How you use your money will be how you’re remembered. For some, the amount of money or wealth they accumulate is the score by which their success is measured. More wealth equals more success. Yet shrouds don’t have pockets, and dead is dead. In order to make your money count, it has to be used, not hoarded. Others use their wealth to purchase a more comfortable ride through life. That’s certainly possible, yet materialism is like fame: addictive and at the same time self-deprecating; there will always someone else who is richer than you and has more toys than you. The quest for more is insatiable. Instead of being defined by the wealth you’ve accumulated and have stored, why not be defined by the wealth you’ve accumulated and have deployed?</p> <p><span lang="EN-US"><strong>The 3C’s of Significance</strong></span></p> <p>The secret to making your money count is a process I call ‘the three Cs of significance’: care, cause and context. Identifying a care and resourcing a cause that supports it will add a context to your money that transcends dollars and cents. The 3C’s are a way of adding significance to your wealth and giving meaning to your life.</p> <p><span lang="EN-US">Let’s look at each of the 3Cs.</span></p> <p><span lang="EN-US"><strong>Care</strong></span></p> <p>Everyone has at least one care etched on their hearts at birth or engraved on their hearts from life experience. If you were to shut out the ‘busy-ness’ of life and listen to the quiet voice of your soul or engage your self-awareness by looking for issues that trigger an above-average or disproportionate emotional response, you’ll likely identify what you care most about. Possibilities include social justice issues, animal welfare, the environment, politics, gender and social equality, faith, health, nutrition, sport … the list is just about endless.</p> <p>Furthermore, there are niches within niches. For instance, animal welfare might be your thing, and within that, you might be particularly concerned with the wellbeing of koalas, and more specifically, orphaned koalas in south-east Queensland. The ‘thing’ you care about may be a burning passion or just a glowing ember. It may also change over time. For the moment, all that’s important is that you identify something you care about. Does something come to mind?</p> <p>If it helps as an illustration, cancer became an unexpected care that was recently etched on my heart. Prior to being diagnosed with skin cancer, I was aware but not particularly concerned about cancer, but that all changed when a spot on my face turned sinister. Now I had something to care about!</p> <p><span lang="EN-US"><strong>Cause</strong></span></p> <p>Once you have a care in mind, the next step is to find a cause – a person, program, charity or organisation that is doing work that relates to the matter(s) you care about, and offer to become a partner in, or sponsor of, that work by making a financial contribution.</p> <p>The secret to knowing the cause is to stop thinking ‘me’ and start thinking ‘we’. Sometimes the things we care about seem too big, complex or challenging to do anything meaningful about. Or we assume our resources are insignificant compared to the scale of the problem. When we are overwhelmed, the temptation is to feel defeated, to conclude ‘why bother’, and use our time and energy to solve survival problems closer to home. Don’t be put off by what you can’t do—be empowered by what you can. It’s very unlikely you’ll be the only person in the world who cares about the issue on your heart, and you may find an already established ‘cause’ you could partner with to be the change you hope to see.</p> <p>If you’re interested, the Peter McCallum Cancer Centre was a ‘cause’ I found that related to my ‘care’.</p> <p><span lang="EN-US"><strong>Context</strong></span></p> <p>The cares you advance based on the causes you support will provide a context for your money that transcends dollars and cents. Your wealth gains meaning based on the means it provides for the causes you care about. Your life will count because your money counts, and the significance you generate will make you feel more significant. But how will you create the context for your dollars? Will you give time or money or both? And how frequently will you give?</p> <p><strong>Time or money?</strong></p> <p>Many people giving small amounts is just as effective as a few people giving large amounts. You can only give from what you have. If you have money, give money. If you have time (including expertise), give time. If you have both, give both. There’s usually a lack of ‘resource-ers’ over ‘resources’; that is, a shortage of people who can pay for the labour and materials needed to resource the care.</p> <p><strong>Frequent or infrequent giving?</strong></p> <p>Experience has taught me that it is better to give less, more often, than more, less often. Most charitable organisations would rather have guaranteed financial supply over several years, than unreliable and infrequent one-off donations. Why? Because with guaranteed funding they can create, administer and execute programs they know they’ll be able to resource and fund through to completion.</p> <p>Here’s a final suggestion: rather than giving from capital, give repeatedly from the recurrent income your invested capital generates. Giving capital is something you do once. Investing the capital and giving the income is something you can do forever.</p> <p>For example, say you had $50000 to donate. One option would be to donate it in one lump sum. Another option is to invest it and donate the annual income.  Assuming you achieved an after-tax return of 8 per cent per annum, then after 12.5 years of giving you will have given the same amount (i.e. $50,000), except the second option would allow you to keep giving and supporting causes you care about for years and years to come—a magic pudding that gives and gives and never runs out!</p> <p>Some people like to count their money. Others like to make their money count. How will you be remembered – for the way you counted your money, or the way you made your money count? If you don’t like the answer, be sure to do something about it while you still can.  The secret to making your money count is to put it to use by supporting causes that do good work in fields you care about.</p> <p><strong>Edited extract from Steve McKnight’s <em>Money Magnet: How to Attract and Keep a Fortune that Counts</em> (Wiley $32.95), now available at all leading retailers or online at www.moneymagnet.au</strong></p> <p><em>Image: Getty Images</em></p>

Money & Banking