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

<p><em><a href="https://theconversation.com/profiles/jacqueline-wesson-1331752">Jacqueline Wesson</a>, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a> and <a href="https://theconversation.com/profiles/lee-fay-low-98311">Lee-Fay Low</a>, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a></em></p> <p>It can be hard to know what to say, or who to talk to, if you notice something isn’t right for you or a loved one in residential aged care.</p> <p>You might have concerns about personal or medical care, being adequately consulted about changes to care, or be concerned about charges on the latest bill. You could also be concerned about theft, neglect or abuse.</p> <p>Here’s how you can raise issues with the relevant person or authority to improve care and support for you or your loved one.</p> <h2>Keep records</h2> <p>You can complain about any aspect of care or service. For instance, if medical care, day-to-day support or financial matters do not meet your needs or expectations, you can complain.</p> <p>It is best to act as soon as you notice something isn’t right. This may prevent things from escalating. Good communication helps get better results.</p> <p>Make written notes about what happened, including times and dates, and take photos. Try to focus on facts and events. You can also keep a record of who was involved and their role.</p> <p>Keep track of how the provider responded or steps taken to resolve the issue. Write notes of conversations and keep copies of emails.</p> <h2>Who do I complain to?</h2> <p><strong>Potential criminal matters</strong></p> <p>If you have concerns about immediate, serious harm of a criminal nature then you should contact the police, and your provider immediately. These types of serious incidents include unreasonable use of force or other serious abuse or neglect, unlawful sexual contact, stealing or unexpected death.</p> <p>The provider may have already contacted you about this. They are required to report such <a href="https://www.agedcarequality.gov.au/consumers/serious-incident-response-scheme">serious incidents</a> to both the Aged Care Quality and Safety Commission within 24 hours, and to the police.</p> <p><strong>Other matters</strong></p> <p>For other matters, talk to the care staff involved. Try to find out more detail about what happened and why things went wrong. Think about what you expect in the situation.</p> <p>Then talk to the most senior person in charge, to see if they can make changes so things don’t go wrong in the future. This person may be called the nursing unit manager, care manager or care director.</p> <p>Providers must acknowledge and investigate your complaint, tell you their findings and actions taken, and follow up to see if you are satisfied.</p> <p>If you would like support to talk to the provider, the <a href="https://opan.org.au">Older Persons Advocacy Network</a> can help. This free service provides independent and confidential support to help find solutions with the aged-care provider. The network can also help you lodge a formal complaint.</p> <h2>How to I lodge a formal complaint?</h2> <p>If you are not satisfied with the way your provider responded, you can lodge a complaint with the <a href="https://www.agedcarequality.gov.au">Aged Care Quality and Safety Commission</a>.</p> <p>Be prepared to submit the facts and events, plus emails and correspondence, you have already collected. Think about what you want to happen to resolve the complaint.</p> <p>Each complaint is handled individually and prioritised depending on the risks to you or your loved one. The commission will start its processes within one business day when complaints are urgent. The resolution process took <a href="https://www.agedcarequality.gov.au/sites/default/files/media/acqsc-annual-report-2020-21.pdf">an average 40 days</a> in 2020-21.</p> <p>You can complain confidentially, or anonymously if you feel safer. But the commission may not be able to investigate fully if it’s anonymous. Also, there are limits to what the commission can do. It cannot ask providers to terminate someone’s employment, or provide direct clinical advice about treatment.</p> <p>Sometimes the commission has issued a “non-compliance” notice to the provider (for a failure to meet quality standards), and action may again <a href="https://www.abc.net.au/news/2022-05-02/aged-care-complaint-about-southern-cross-care-young/101009716">be limited</a>. So it is a good idea to check the <a href="https://www.myagedcare.gov.au/non-compliance-checker">non-compliance register</a> beforehand to see if your provider is listed.</p> <h2>What do others complain about?</h2> <p>From October to December 2021, <a href="https://www.agedcarequality.gov.au/sites/default/files/media/acqs-sector-performance-data-oct-dec-2021.pdf">about a third</a> of Australian nursing homes had a complaint made to the commission against them. Some had more than one complaint. More than half of these complaints were lodged by family, friends or other consumers.</p> <p>The top reasons for complaints were about:</p> <ul> <li> <p>adequacy of staffing</p> </li> <li> <p>medication administration or management</p> </li> <li> <p>infectious diseases or infection control</p> </li> <li> <p>personal and oral hygiene</p> </li> <li> <p>how falls are prevented and managed</p> </li> <li> <p>consultation or communication with representatives and/or family members.</p> </li> </ul> <h2>What if I’m still not happy?</h2> <p>If you’re not happy when you receive the commission’s outcome, you can request a review with 42 days.</p> <p>You can also request the <a href="https://www.ombudsman.gov.au">Commonwealth Ombudsman</a> to review the complaint if you’re not satisfied with the commission’s decision or the way the commission handled your complaint.</p> <h2>Remember, you have a right to complain</h2> <p>The <a href="https://agedcare.royalcommission.gov.au">Aged Care Royal Commission</a> spotlighted the neglect and substandard care that can occur in nursing homes. Despite attempts to <a href="https://www.health.gov.au/resources/publications/concepts-for-a-new-framework-for-regulating-aged-care">lift the standard of aged care</a>, we know residents and carers still have concerns.</p> <p>Residents, and their representatives or families, have a legal <a href="https://www.agedcarequality.gov.au/consumers/standards/resources">right to speak up and complain</a>, free from reprisal or negative consequences. This right is also reflected in the <a href="https://www.agedcarequality.gov.au/consumers/consumer-rights">Charter of Aged Care Rights</a>, which providers are legally required to discuss with you and help you understand.</p> <h2>Moving to another facility</h2> <p>If you have exhausted all avenues of complaint or feel conditions have not improved, you may decide to move to another provider or facility, if available. This option may not be possible in rural areas.</p> <p>This is a difficult decision. It takes time, as well as financial and emotional resources. Starting again with a new provider can also be disruptive for everyone, but sometimes it may be the right choice.</p> <hr /> <p><em>Contact the <a href="https://opan.org.au">Older Persons Advocacy Network</a> on 1800 700 600, the <a href="https://www.agedcarequality.gov.au">Aged Care Quality and Safety Commission</a> on 1800 951 822 or the <a href="https://www.ombudsman.gov.au">Commonwealth Ombudsman</a> on 1300 362 072.</em><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/180036/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><em><a href="https://theconversation.com/profiles/jacqueline-wesson-1331752">Jacqueline Wesson</a>, Senior Lecturer (Teaching and Research), Discipline of Occupational Therapy, School of Health Sciences, Faculty of Medicine and Health, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a> and <a href="https://theconversation.com/profiles/lee-fay-low-98311">Lee-Fay Low</a>, Professor in Ageing and Health, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a></em></p> <p><em>Image credits: Shutterstock </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/how-to-complain-about-aged-care-and-get-the-result-you-want-180036">original article</a>.</em></p>

Retirement Life

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Readers response: What’s the most unexpected thing you’ve learned about yourself through travel?

<p>When it comes to travelling, it's not uncommon to have revelations about yourself while self-reflecting in a new place. </p> <p>We asked our readers what the most unexpected thing they've learned about themselves is through travel, and the response was overwhelming. Here's what they said. </p> <p><strong>Penny Corbin</strong> - I don't need the cathedrals, monuments, the tours, I just love walking in the space and finding my own beauty wherever it leads me.</p> <p><strong>Dom Cimino</strong> - That I really love meeting people of all backgrounds.</p> <p><strong>Jenny Halkett</strong> - To treat it as an adventure, and don’t be afraid to ask a qualified person for advice.</p> <p><strong>Kristeen Collison</strong> - That I’m more adventurous than I thought.</p> <p><strong>Angie Jansen</strong> - That I love it. Just new places, culture, food, history, the wonderful people, the adventures you have and the memories, it’s the experiencing new things and learning, exploring, being amazed. Just so grateful I can still do it.</p> <p><strong>Palma Hemer </strong>- To have a sense of humour, rain hail or shine.</p> <p><strong>Anne Jenkin</strong> - That I can enjoy the travel by myself but I do like meeting new people on these trips.</p> <p><strong>Kath Sheppard</strong> - To try to learn basic phrases when travelling. It's definitely appreciated.</p> <p><strong>Kerry Fischer</strong> - Soak up the vibe wherever you are! Every place has beauty!</p> <p><strong>Jacqueline Buchanan</strong> - That a smile speaks many languages.</p> <p><strong>Martin Drake</strong> - That there is just too much to see and not enough time.</p> <p><em>Image credits: Shutterstock </em></p>

Travel Tips

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"We all come to an end": Beloved comedian's heartbreaking message from palliative care

<p>Scottish comedian Janey Godley has made an emotional announcement to her social media followers, sharing that she is now in palliative care. </p> <p>Godley was forced to cancel her tour after developing sepsis from her cancer treatments, and is now receiving end of life care after a years long battle with ovarian cancer. </p> <p>"So I'm now in palliative care and I am at end-of-life care now in the hospital," the 63-year-old said in a video posted to Instagram. </p> <p>"The chemo ran out of options, and I just couldn't take any more of it," she continued, adding that the "has spread, so it looks like this will be getting to near the end of it, and it's really difficult to speak about this and say it to people."</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/DAWJ3Qgt-Rx/?utm_source=ig_embed&amp;utm_campaign=loading" data-instgrm-version="14"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"> </div> </div> </div> <div style="padding: 19% 0;"> </div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"> </div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <div style="padding: 12.5% 0;"> </div> <div style="display: flex; flex-direction: row; margin-bottom: 14px; align-items: center;"> <div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(0px) translateY(7px);"> </div> <div style="background-color: #f4f4f4; height: 12.5px; transform: rotate(-45deg) translateX(3px) translateY(1px); width: 12.5px; flex-grow: 0; margin-right: 14px; margin-left: 2px;"> </div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(9px) translateY(-18px);"> </div> </div> <div style="margin-left: 8px;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 20px; width: 20px;"> </div> <div style="width: 0; height: 0; border-top: 2px solid transparent; border-left: 6px solid #f4f4f4; border-bottom: 2px solid transparent; transform: translateX(16px) translateY(-4px) rotate(30deg);"> </div> </div> <div style="margin-left: auto;"> <div style="width: 0px; border-top: 8px solid #F4F4F4; border-right: 8px solid transparent; transform: translateY(16px);"> </div> <div style="background-color: #f4f4f4; flex-grow: 0; height: 12px; width: 16px; transform: translateY(-4px);"> </div> <div style="width: 0; height: 0; border-top: 8px solid #F4F4F4; border-left: 8px solid transparent; transform: translateY(-4px) translateX(8px);"> </div> </div> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center; margin-bottom: 24px;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 224px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 144px;"> </div> </div> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;"><a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none;" href="https://www.instagram.com/reel/DAWJ3Qgt-Rx/?utm_source=ig_embed&amp;utm_campaign=loading" target="_blank" rel="noopener">A post shared by Janey Godley (@janeygodley)</a></p> </div> </blockquote> <p>She went on to thank the hospital staff for their efforts, and family and friends for supporting her and husband Sean Storrie and their daughter Ashley through her illness. </p> <p>"It is devastating news to know that I'm facing the end of life but we all come to an end sometime," she continued. </p> <p>"I don't know how long I've got left before anybody asks. I'm not on TikTok so I just want you all to know that I appreciate all the love you've given me."</p> <p>She wished everyone a "lovely Christmas", adding, "I might be here, who knows? But I just want you to know I'm sending all my love to people living with a life-limiting disease."</p> <p>The news comes just weeks after Godley was forced to cancel her tour after developing sepsis while undergoing treatment. </p> <p>An official statement shared, "Janey has been living with stage four ovarian cancer for the past few years and the treatment from the wonderful Scottish NHS has kept the disease at bay, but sadly in the last few weeks the cancer has returned and there have been a few added complications."</p> <p><em>Image credits: Instagram</em></p>

Caring

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Olympian's life "a living nightmare" after simple self-check out mistake

<p>A former Olympian has spoken about how her life was ruined after she accidentally failed to scan to items at a self-checkout machine in Walmart. </p> <p>Canadian athlete Meaggan Pettipiece, 48, was arrested on March 28 in Indiana for theft, possession of marijuana and possession of a controlled substance.</p> <p>The charges have since been dropped, but Pettipiece lost her prestigious job as the head coach of the Valparaiso University softball team as a result and says her career and reputation have been ruined. </p> <p>The ordeal began when the self-checkout machine at Walmart reportedly failed to scan the asparagus and ham that Pettipiece intended to purchase. </p> <p>Walmart security saw that she failed to scan the items  — worth a total of $67 — prompting them to call the police despite her having paid $167 for her other groceries.</p> <p>Pettipiece was arrested and when police searched her they found three disposable vapes in her purse, along with two unopened blister packs containing anti-nausea medication Zofran.</p> <p>The former athlete said the vapes did not contain any nicotine or THC, and the anti-nausea pills belonged to an assistant coach who had asked her to keep them in her purse during a softball game, days before her arrest. </p> <p>“We both forgot about them,” Pettipiece told the<em> National Post.</em></p> <p>The outlet reported that earlier this month, her lawyer submitted an application for dismissal that included her account of the incident, proof of her assistant’s prescription, and character reference letters.</p> <p>After reading the application, her charges were dropped by justice officials on September 19, but the damage caused by the incident "changed everything". </p> <p>“It is bittersweet,” she told <em>National Post</em>.</p> <p>“I’m happy, obviously, the charges were dismissed. The sad part is the damage it did to my career. It has changed everything in my life.”</p> <p>Pettipiece resigned as head coach of the softball team shortly after the Walmart incident. </p> <p>"It's been five months, a living nightmare. I lost my career, I lost my job, the life I was building and it's been really difficult."</p> <p>Along with the damage to her career, Pettipiece said the effect on her reputation has been equally heartbreaking. </p> <p>“The softball community is a tight-knit group and it (the news) went through like wildfire,” she said. </p> <p>“You really do learn who the people are that really believe in you and trust you and are truly a friend for you." </p> <p>The former athlete is now living in Ohio with her family, and though the charges against her have been dismissed she is worried the damage "can't be reversed". </p> <p>“The tough thing is, how do you get out to people that you are innocent? And this damage was done for something so ridiculous,” Pettipiece told the outlet.</p> <p>“I’m not sure of the future. For now, I’m going to stay at home and focus on my kids. I’d like to figure out which direction I’m going to go in.”</p> <p><em>Image: Valparaiso University Athletics/ </em><em>ZikG / Shutterstock.com</em></p> <p> </p>

Legal

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Is it worth selling my house if I’m going into aged care?

<p><em><a href="https://theconversation.com/profiles/colin-zhang-1234147">Colin Zhang</a>, <a href="https://theconversation.com/institutions/macquarie-university-1174">Macquarie University</a></em></p> <p>For senior Australians who cannot live independently at home, residential aged care can provide accommodation, personal care and general health care.</p> <p>People usually think this is expensive. And many assume they need to sell their home to pay for a lump-sum deposit.</p> <p>But that’s not necessarily the case. Here’s what you need to consider.</p> <h2>You may get some financial support</h2> <p>Fees for residential aged care are complex and can be confusing. Some are for your daily care, some are means-tested, some are for your accommodation and some pay for extras, such as cable TV.</p> <p>But it’s easier to think of these fees as falling into two categories:</p> <ul> <li> <p>an “entry deposit”, which is usually more than <a href="https://www.health.gov.au/sites/default/files/documents/2020/06/eighth-report-on-the-funding-and-financing-of-the-aged-care-industry-july-2020-eighth-report-on-the-funding-and-financing-of-the-aged-care-industry-may-2020.pdf">$A300,000</a>, and is refunded when you leave aged care</p> </li> <li> <p>daily “<a href="https://www.myagedcare.gov.au/aged-care-home-costs-and-fees">ongoing fees</a>”, which are $52.71-$300 a day, or more. These cover the basic daily fee, which everyone pays, and the means-tested care fee.</p> </li> </ul> <p>To find out how much government support you’ll receive for both these categories, you will have a “<a href="https://www.myagedcare.gov.au/income-and-means-assessments/#aged-care-home">means test</a>” to assess your income and assets. This means test is similar (but different) to the means test for the aged pension.</p> <p>Generally speaking, the lower your aged-care means test amount, the more government support you’ll receive for aged care.</p> <p>With full support, you don’t need to pay an “entry deposit”. But you still need to pay the basic daily fee (currently, <a href="https://www.myagedcare.gov.au/aged-care-home-costs-and-fees">$52.71</a> a day), equivalent to 85% of your aged pension. If you get partial support, you pay less for your “entry deposit” and ongoing fees.</p> <h2>You don’t need a lump sum</h2> <p>You don’t have to pay for your “entry deposit” as a lump sum. You can choose to pay a rental-style daily cost instead.</p> <p>This is calculated as follows: you multiply the amount of the required “entry deposit” by the maximum permissible interest rate. This rate is set by government and is currently at <a href="https://www.health.gov.au/sites/default/files/documents/2021/03/schedule-of-fees-and-charges-for-residential-and-home-care-schedule-from-20-march-2021_0.pdf">4.01%</a> per year for new residents. Then you divide that sum by 365 to give a daily rate. This option is like borrowing money to pay for your “entry deposit” via an interest-only loan.</p> <p>You can also pay for your “entry deposit” with a combination of a lump sum and a daily rental cost.</p> <p>As it’s not compulsory to pay a lump sum for your “entry deposit”, you have different options for dealing with your family home.</p> <h2>Option 1: keep your house and rent it out</h2> <p>This allows you to use the rental-style daily cost to finance your “entry deposit”.</p> <p><strong>Pros</strong></p> <ul> <li> <p>you could have more income from rent. This can help pay for the rental-style daily cost and “ongoing fees” of aged care</p> </li> <li> <p>you might have a special sentimental attachment to your family house. So keeping it might be a less confronting option</p> </li> <li> <p>keeping an expensive family house will not heavily impact your residential aged care cost. That’s because any value of your family house above <a href="https://www.health.gov.au/sites/default/files/documents/2021/03/schedule-of-fees-and-charges-for-residential-and-home-care-schedule-from-20-march-2021_0.pdf">$173,075.20</a> will be excluded from your <a href="https://www.servicesaustralia.gov.au/organisations/health-professionals/services/aged-care-entry-requirements-providers/residential-care/residential-aged-care-means-assessment">means test</a></p> </li> <li> <p>you can still access the capital gains of your house, as house prices rise.</p> </li> </ul> <p><strong>Cons</strong></p> <ul> <li> <p>your rental income needs to be included in the means test for your aged pension. So you might get less aged pension</p> </li> <li> <p>you might need to pay income tax on the rental income</p> </li> <li> <p>compared to the lump sum payment, choosing the rental-style daily cost means you will end up <a href="https://www.smh.com.au/money/super-and-retirement/seek-help-when-weighing-up-how-to-pay-for-your-aged-care-20191202-p53g16.html">paying more</a></p> </li> <li> <p>you are subject to a changing rental market.</p> </li> </ul> <h2>Option 2: keep your house and rent it out, with a twist</h2> <p>If you have some savings, you can use a combination of a lump sum and daily rental cost to pay for your “entry deposit”.</p> <p><strong>Pros</strong></p> <ul> <li> <p>like option 1, you can keep your house and have a steady income</p> </li> <li> <p>the amount of lump sum deposit will not be counted as an asset in the pension means test.</p> </li> </ul> <p><strong>Cons</strong></p> <ul> <li> <p>like option 1, you could have less pension income, higher age-care costs and need to pay more income tax</p> </li> <li> <p>you have less liquid assets (assets you could quickly sell or access), which could be handy in an emergency.</p> </li> </ul> <h2>Option 3: sell your house</h2> <p>If you sell your house, you can use all or part of the proceeds to pay for your “entry deposit”.</p> <p><strong>Pros</strong></p> <ul> <li> <p>if you have any money left over after selling your house and paying for your “entry deposit”, you can invest the rest</p> </li> <li> <p>as your “entry deposit” is exempt from your aged pension means test, it means more pension income.</p> </li> </ul> <p><strong>Cons</strong></p> <ul> <li>if you have money left over after selling your house, this will be included in the aged-care means test. So you can end up with less financial support for aged care.</li> </ul> <h2>In a nutshell</h2> <p>Keeping your house and renting it out (option 1 or 2) can give you a better income stream, which you can use to cover other living costs. And if you’re not concerned about having access to liquid assets in an emergency, option 2 can be better for you than option 1.</p> <p>But selling your house (option 3) avoids you being exposed to a changing rental market, particularly if the economy is going into recession. It also gives you more capital, and you don’t need to pay a rental-style daily cost.</p> <hr /> <p><em>This article is general in nature, and should not be considered financial advice. For advice tailored to your individual situation and your personal finances, please see a qualified financial planner.</em></p> <p><em>Correction: this article previously stated the amount of lump sum deposit will not be counted as an asset in the aged-care means test, as a pro of option 2. In fact, the amount of lump sum deposit will not be counted as an asset in the pension means test.</em><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/161674/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><a href="https://theconversation.com/profiles/colin-zhang-1234147"><em>Colin Zhang</em></a><em>, Lecturer, Department of Actuarial Studies and Business Analytics, <a href="https://theconversation.com/institutions/macquarie-university-1174">Macquarie University</a></em></p> <p><em>Image credits: Shutterstock </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/is-it-worth-selling-my-house-if-im-going-into-aged-care-161674">original article</a>.</em></p>

Retirement Income

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The biggest faux pas for self-funded retirees

<p>Whether you have been retired for some time or are still looking forward to the time you can step back, chances are there are important considerations you may have overlooked.</p> <p>From planning and pensions to family and housing, these are the biggest self-funded retirement mistakes I come across, and some insights into how to avoid repeating them:</p> <ol> <li><strong>Lack of a plan</strong></li> </ol> <p>Not having a retirement plan is perhaps the most basic faux pas, but often the most costly.</p> <p>A detailed plan should cover things like:</p> <ul> <li>When you AND your partner will retire </li> <li>Where you will live (you may want to downsize, relocate, seek assisted living)</li> <li>Anticipated living costs (living situation, health, lifestyle)</li> <li>How you will spend your time (hobbies, travel, volunteering, time with family)</li> <li>Strategies to maximise investments and superannuation</li> <li>Tax minimisation strategies</li> </ul> <p>Remember: failing to plan = planning to fail.</p> <ol start="2"> <li><strong>Poor planning</strong></li> </ol> <p>Having a plan is the starting point, but it won’t get you far if it’s incomplete, not updated as circumstances change, or omits critical factors.</p> <p>For couples, not considering age differences is a big mistake. One partner retiring before the other can have big shifts on financial and tax dynamics and even the relationship itself. Then there is end-of-life care, particularly if the younger partner is still working.</p> <p>Not building in a safety buffer is another no-no. Too many retirees have been caught out by the high inflation of recent years, having calculated their anticipated income needs on much lower living costs.</p> <p>Balance short-term and long-term goals: being overly conservative early on can limit your financial situation down the track.</p> <p>And no plan is complete without contingencies for worst case scenarios – insurances, protections, back-up options.</p> <ol start="3"> <li><strong>Insecure housing </strong></li> </ol> <p>Government data has long shown major differences in quality of life for retirees who own their home versus those who don’t. </p> <p>Homelessness or insecure housing, the mercy of the rental market, and inability to customise your home as you age or if you need specialised support with disability or health issues are some of the challenges renters face.</p> <p>Furthermore, public estimates of how much the average Australian needs to retire typically assume home ownership – meaning rent is not part of that calculation. That’s a huge living cost you may not have factored into your retirement planning. </p> <ol start="4"> <li><strong>Unclaimed pensions</strong></li> </ol> <p>Contrary to popular belief, self-funded retirement and claiming a pension are not mutually exclusive. </p> <p>You may be eligible for a part-pension, calculated pro-rata according to the value of your assets and other income. Claiming a part-pension, no matter how small it may be, reduces how much income you need to draw down from super – making it last longer. </p> <p>Don’t fall into another common trap when applying – overestimating your assets. It’s easy to assume your non-monetary assets are worth more than what they really are, reducing how much pension you receive or negating your eligibility altogether.</p> <ol start="5"> <li><strong>Depleted Bank of Mum and Dad</strong></li> </ol> <p>With home ownership increasingly out of reach for younger adults, the Bank of Mum and Dad is often sought to bridge the gap. How you do so will impact your own situation.</p> <p>Giving more than you can afford can leave you overstretched. Missed loan repayments could see you fall behind on your own bills. Not putting agreements in writing can lead to disputes down the track. Having a loan guarantee called in could see you homeless.</p> <p>Be wise about decisions you make here and don’t let heartstrings cloud your judgement.</p> <ol start="6"> <li><strong>Suffering in silence</strong></li> </ol> <p>Elder abuse is a sad but significant problem. Given they have money in the bank, self-funded retirees are often the most vulnerable.</p> <p>Its effects can be far-reaching, impacting your mental and physical health, financial wellbeing, social interactions, and quality of life.</p> <p>Be aware of <a href="https://www.oversixty.com.au/finance/retirement-income/are-you-a-victim-of-elder-abuse-without-even-realising-it">the signs that something isn’t right</a>. If you recognise it happening to you – or someone you know – speak up and seek help. </p> <ol start="7"> <li><strong>Forgoing professional advice</strong></li> </ol> <p>How much of the above details did you already know? Chances are, not all of them. And that’s just the tip of the iceberg.</p> <p>Money is a complicated business and you simply don’t know what you don’t know, which is why seeking independent, tailored advice from a professional is so important. </p> <p>A good financial advisor can help you identify new opportunities and manage risks you may not have considered, limit expenses and also work with your accountant to minimise your tax.</p> <p><strong><em>Helen Baker is a licensed Australian financial adviser and author of On Your Own Two Feet: The Essential Guide to Financial Independence for all Women. Helen is among the 1% of financial planners who hold a master’s degree in the field. Proceeds from book sales are donated to charities supporting disadvantaged women and children. Find out more at <a href="http://www.onyourowntwofeet.com.au/">www.onyourowntwofeet.com.au</a></em></strong></p> <p><strong><em> Disclaimer: The information in this article is of a general nature only and does not constitute personal financial or product advice. Any opinions or views expressed are those of the authors and do not represent those of people, institutions or organisations the owner may be associated with in a professional or personal capacity unless explicitly stated. Helen Baker is an authorised representative of BPW Partners Pty Ltd AFSL 548754.</em></strong></p> <p><strong><em>Image credits: Shutterstock </em></strong></p>

Retirement Income

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Doctor shares her holy grail tips for overcoming eye sensitivity

<p>As the chill of winter sets in, many people find that their eyes become more sensitive and prone to dryness. This can be particularly challenging for those who already suffer from dry eye syndrome. </p> <p>Dr. Jacqueline Beltz is a leading Australian Ophthalmologist and the founder of <a href="https://www.okkiyo.com" target="_blank" rel="noopener">OKKIYO</a>, a beauty brand that makes PRIORITEYES mascara for people with sensitive eyes.</p> <p>Dr Beltz has shared her insights into dry eye syndrome and how winter can exacerbate symptoms, also sharing her top tips for managing eye sensitivity during the colder months.</p> <p><strong>Understanding Dry Eye Syndrome</strong></p> <p>The surface of the eye is covered by a delicate layer of tears, essential for comfort, vision, protection, and nutrition. The tear film comprises two main layers: an outer lipid (oily) layer and an inner aqueous (watery) layer. The lipid layer, produced by oil glands in the eyelids, prevents tears from evaporating too quickly, while the aqueous layer, consisting of water, electrolytes, and proteins, spreads tears evenly across the eye and helps them adhere to the surface.</p> <p>When the balance of tear production, evaporation, absorption, and drainage is disrupted, it can lead to dry eye syndrome. Symptoms may include redness, irritation, a gritty sensation, tired eyes, itching, excessive watering, and fluctuating vision. In severe cases, dry eye can be painful and significantly impact daily life.</p> <p><strong>How common is dry eye syndrome?</strong></p> <p>Dry eye syndrome is a widespread issue, particularly among older adults. According to the Blue Mountains Eye Study, 57% of adults over the age of 50 experience some degree of dry eye. This condition is notably more prevalent in women, with higher rates observed compared to their male counterparts. The increased prevalence in women is often attributed to hormonal changes, particularly during and after menopause. </p> <p>A more recent study, Optometry Australia’s 2022 Vision index found that over 85% of Australians are estimated to have experienced dry eyes at some point in their lives.  Of those affected, 55% say they only developed the condition following the beginning of the pandemic in 2020.  They reported that almost 1 in 5 (18%) of people experience dry eye symptoms frequently.  </p> <p>These statistics highlight the importance of understanding and managing dry eye, especially as we age.</p> <p><strong>DEWS II Study and Treatment Approaches</strong></p> <p>The DEWS II (Dry Eye Workshop II) study provides a comprehensive framework for understanding and treating dry eye syndrome. According to the study, dry eye is a multifactorial disease characterised by a loss of homeostasis (or balance) in the tear film, accompanied by eye symptoms. Factors such as tear film instability, hyperosmolarity (increased saltiness), inflammation, and neurosensory (altered feelings or sensations) abnormalities play significant roles.</p> <p>There are two primary types of dry eye: aqueous deficient and evaporative. Most individuals have a combination of both. Aqueous deficient dry eye occurs when there is insufficient production of the watery layer of tears, often due to aging, hormonal changes, or certain medications. Evaporative dry eye is typically caused by environmental factors or conditions affecting the lipid layer, such as meibomian gland dysfunction (MGD).</p> <p><strong>Winter's Impact on Dry Eyes</strong></p> <p>Winter poses unique challenges for dry eye sufferers. Cold, dry air, indoor heating, and wind can all exacerbate symptoms. Here's how to combat these winter-specific issues:</p> <p><em><strong>1. Humidify Your Environment</strong></em></p> <p>Indoor heating reduces humidity levels, leading to increased tear evaporation. Consider using a humidifier to maintain moisture in the air, especially in bedrooms and living spaces. This helps keep your eyes hydrated.</p> <p><em><strong>2. Protect Your Eyes Outdoors</strong></em></p> <p>Cold winds can strip away the tear film. When outside, wear wraparound sunglasses to shield your eyes from the elements. This not only protects your eyes from the wind but also from UV rays, which can be strong even in winter.</p> <p><em><strong>3. Stay Hydrated</strong></em></p> <p>Dehydration can worsen dry eye symptoms. Drink plenty of water throughout the day to maintain overall hydration, which supports healthy tear production.</p> <p><em><strong>4. Optimise Your Diet</strong></em></p> <p>Certain foods can promote eye health. Omega-3 fatty acids, found in fish like salmon and flaxseeds, have anti-inflammatory properties that can help manage dry eye symptoms. Incorporate these into your diet for added benefits.</p> <p><em><strong>5. Use a Warm Compress</strong></em></p> <p>A warm compress can help improve the function of the meibomian glands, which produce the oily layer of the tear film. This is particularly helpful for those with meibomian gland dysfunction, or MGD. Gently apply a warm, damp cloth to your closed eyelids for 10-15 minutes, followed by a gentle massage of the eyelids to encourage oil secretion. It is important to avoid rubbing or compressing the eyeballs.</p> <p><em><strong>6. Use Over-the-Counter Lubricant Eye Drops</strong></em></p> <p>Artificial tears can provide temporary relief by supplementing the natural tear film. Choose preservative-free options to avoid further irritation, and use them frequently.</p> <p><em><strong>7.  Remember to have regular eye checks</strong></em></p> <p>In Australia, Optometrists provide our primary eye health check ups. Dr Beltz recommends adults over the age of 40 see their optometrist once a year, but if you’re struggling with symptoms of dry eye in winter, an extra check up might help and your optometrist will be able to help you to come up with an individualised treatment plan.</p> <p><em><strong>8. Invest in Quality Eye Products</strong></em></p> <p>For those who wear makeup, using products designed for sensitive eyes is crucial. <a href="https://www.okkiyo.com/products/protect-and-preserve-mascara" target="_blank" rel="noopener">PRIORITEYES</a> mascara by OKKIYO has been specifically formulated to be gentle on sensitive eyes, avoiding common irritants while providing excellent performance.</p> <p><strong>Managing Dry Eye in Winter: A Recap</strong></p> <p>Winter can be tough on our eyes, but with the right strategies, you can manage dry eye symptoms effectively. Maintain a humid environment, protect your eyes from cold winds, stay hydrated, and incorporate eye-healthy foods into your diet. Regularly use warm compresses and opt for gentle, high-quality eye products like PRIORITEYES mascara.  </p> <p>Dry eye syndrome may be a common condition, but it doesn't have to dominate your life, especially during the harsh winter months. With these tips, you can keep your eyes comfortable and healthy all season long. For personalised advice and treatment, always consult with your eye care professional.</p> <p>Stay warm, stay hydrated and take care of your eyes this winter!</p> <p><em>Image credits: Shutterstock </em></p>

Body

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Dog care below freezing − how to keep your pet warm and safe from cold weather, road salt and more this winter

<p><em><a href="https://theconversation.com/profiles/erik-christian-olstad-1505284">Erik Christian Olstad</a>, <a href="https://theconversation.com/institutions/university-of-california-davis-1312">University of California, Davis</a></em></p> <p>Time outside with your dog in the spring, summer and fall can be lovely. Visiting your favorite downtown café on a cool spring morning, going to a favorite dog park on a clear summer evening or going on walks along a river when the leaves are changing color are all wonderful when the weather is favorable. But in much of the country, when winter rolls around, previously hospitable conditions can <a href="https://theconversation.com/is-winter-miserable-for-wildlife-108734">quickly turn chilly and dangerous</a> for people and pups alike.</p> <p>Winter brings some unique challenges for dog owners, since dogs still need activity and socialization during colder seasons. Studies have shown that dog owners are almost 50% less likely to walk their dogs <a href="https://doi.org/10.3390/ani11113302">when the weather gets cold</a>. Knowing the basics of winter safety is critical to maintaining a healthy lifestyle for your dog.</p> <p>I am an <a href="https://www.vetmed.ucdavis.edu/faculty/erik-olstad">assistant professor</a> at the University of California Davis School of Veterinary Medicine who weathered polar vortexes with my dog while living in Michigan early in my career. While I’ve since moved to sunny California, I’ve seen how quickly frigid temperatures can turn dangerous for pets.</p> <h2>Breed and age differences</h2> <p>Not all dogs have the same abilities to deal with cold weather. A short-coated dog like a Chihuahua is much more susceptible to the dangers of cold weather than a thick-coated husky. When the weather dips below 40 degrees Fahrenheit (4 degrees Celsius), the well-acclimated husky may be comfortable, whereas the Chihuahua would shiver and be at risk of hypothermia.</p> <p>Additionally, if your dog is used to warm weather, but you decide to move to a colder region, the dog will need time to acclimate to that colder weather, even if they have a thick coat.</p> <p>Age also affects cold-weather resilience. Puppies and elderly dogs can’t withstand the chill as well as other dogs, but every dog is unique – each may have individual health conditions or physical attributes that make them more or less resilient to cold weather.</p> <h2>When is my dog too cold?</h2> <p>Pet owners should be able to recognize the symptoms of a dog that is getting too cold. Dogs will shiver, and some may vocalize or whine. Dogs may resist putting their feet down on the cold ground, or burrow, or try to find warmth in their environment when they are uncomfortable.</p> <p>Just like people, <a href="https://vcahospitals.com/know-your-pet/frostbite-in-dogs">dogs can get frostbite</a>. And just like people, the signs can take days to appear, making it hard to assess them in the moment. The most common sites for frostbite in dogs are their ears and the tips of their tails. Some of the initial signs of frostbite are skin discoloring, turning paler than normal, or purple, gray or even black; red, blistered skin; swelling; pain at the site; <a href="https://www.britannica.com/science/ulcer">or ulceration</a>.</p> <p>Other <a href="https://vcahospitals.com/know-your-pet/frostbite-in-dogs">serious signs of hypothermia</a> include sluggishness or lethargy, and if you observe them, please visit your veterinarian immediately. A good rule to live by is if it is too cold for you, it is too cold for your dog.</p> <p>Getting your dog a <a href="https://www.cnn.com/cnn-underscored/pets/best-winter-dog-coats-jackets">sweater or jacket</a> and <a href="https://www.akc.org/expert-advice/vets-corner/protect-dogs-paws-snow-ice-salt/">paw covers</a> can provide them with protection from the elements and keep them comfortable. Veterinarians also recommend closely monitoring your dog and limiting their time outside when the temperature nears the freezing point or drops below it.</p> <h2>Road salt dangers</h2> <p>Road salt that treats ice on streets and sidewalks <a href="https://www.cbc.ca/news/canada/kitchener-waterloo/ice-salt-toxic-for-pets-1.5020088">can also harm dogs</a>. When dogs walk on the salt, the sharp, rough edges of the salt crystals can irritate the sensitive skin on their paws.</p> <p>Dogs will often lick their feet when they’re dirty, wet or irritated, and if they ingest any salt doing that, they may face GI upset, dehydration, kidney failure, seizures or even death. Even small amounts of pure salt can <a href="https://www.petpoisonhelpline.com/pet-tips/my-dog-ate-road-salt-will-they-be-okay/">disrupt critical body functions</a> in dogs.</p> <p>Some companies make pet-safe salt, but in public it can be hard to tell what type of salt is on the ground. After walking your dog, wash off their feet or boots. You can also keep their paw fur trimmed to prevent snow from balling up or salt collecting in the fur. Applying a thin layer of petroleum jelly or <a href="https://www.akc.org/expert-advice/lifestyle/how-to-make-your-own-paw-balm-for-winter/">paw pad balm</a> to the skin of the paw pads can also help protect your pet’s paws from irritation.</p> <h2>Antifreeze risks</h2> <p><a href="https://www.britannica.com/science/antifreeze-chemical-substance">Antifreeze, or ethylene glycol</a>, is in most vehicles to prevent the fluids from freezing when it gets cold out. Some people pour antifreeze into their toilets when away from their home to prevent the water in the toilet from freezing.</p> <p>Antifreeze is an exceptionally dangerous chemical to dogs and cats, as it tastes sweet but can be deadly when ingested. If a pet ingests even a small amount of antifreeze, the substance causes a chemical cascade in their body that results in severe kidney damage. If left untreated, the pet may have <a href="https://www.petpoisonhelpline.com/pet-owner-blog/antifreeze-poisoning/">permanent kidney damage or die</a>.</p> <p>There are safer antifreeze options on the market that use ingredients other than ethylene glycol. If your dog ingests antifreeze, please see your veterinarian immediately for treatment.</p> <p>When temperatures dip below freezing, the best thing pet owners can do is keep the time spent outside as minimal as possible. Try some <a href="https://www.akc.org/expert-advice/lifestyle/great-indoor-games-to-play-with-your-dog/">indoor activities</a>, like hide-and-seek with low-calorie treats, fetch or even an interactive obstacle course. Food puzzles can also keep your dog mentally engaged during indoor time.</p> <p>Although winter presents some unique challenges, it can still be an enjoyable and healthy time for you and your canine companion.<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/221709/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><em><a href="https://theconversation.com/profiles/erik-christian-olstad-1505284">Erik Christian Olstad</a>, Health Sciences Assistant Professor of Clinical Veterinary Medicine, <a href="https://theconversation.com/institutions/university-of-california-davis-1312">University of California, Davis</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/dog-care-below-freezing-how-to-keep-your-pet-warm-and-safe-from-cold-weather-road-salt-and-more-this-winter-221709">original article</a>.</em></p>

Family & Pets

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The dos and don’ts of caring for your hearing aids

<p>Proper care and maintenance of your hearing aids is important. It will ensure you to get the most out of your aids, prevent problems and maintain optimum hearing conditions. Here are some guidelines to help you care for them.</p> <p><strong>DO</strong>: clean your hearing aids regularly with a dry cloth or tissue.</p> <p><strong>DON’T</strong>: get your hearing aids wet. That means no wearing them in the shower or when swimming. If they happen to get wet, dry it off immediately.</p> <p><strong>DO</strong>: put your hearing aids in their case when you’re not using them</p> <p><strong>DON’T</strong>: wear your aids when using aftershave, hairspray, perfume, sunscreen, insect repellent and so on. They contain chemicals that could damage it. Allow time for drying before putting back on hearing aids.</p> <p><strong>DO</strong>: use a moisture protection kit/anti-humidity kit. They help with moisture problems (which can affect performance of hearing aids) and extend life of hearing aids.</p> <p><strong>DO</strong>: keep out of reach of pets and visiting grandkids. Dogs have been known to chew them up and if swallowed by either pet or grandkid, can be very dangerous.</p> <p><strong>DON’T</strong>: expose your device to extreme heats. Don’t leave them in a parked car, near a heater or wear while using a hairdryer. </p> <p><strong>DO</strong>: Store your hearing aid in a safe place that's dry and cool.</p> <p><strong>DON’T</strong>: leave your hearing aids switched on when you’re not using them.</p> <p><strong>DO</strong>: change batteries often so you won’t be stuck with aids that have suddenly run out of power.</p> <p><strong>DON’T</strong>: ever insert anything into the sound outlet as it could damage the receiver. If you can’t clean it properly, ask your hearing professional.</p> <p><strong>DO</strong>: remove any earwax that gets into your hearing aid. It could cause permanent damage.</p> <p><em>Image credits: Getty Images </em></p>

Hearing

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Husband and wife with dementia reunite after 30 years apart

<p>A former husband and wife with dementia have been reunited after 30 years apart when they moved into the same care home. </p> <p>Nancy, 86, and Stan, 91, were first married in 1957 in Edinburgh, despite their parents "forbidding" their romance and not approving of their union. </p> <p>The couple went on to have three children and lived happily, until Nancy was nearly killed by a brain haemorrhage when she was in her mid-50s. </p> <p>Nancy had to undergo life-altering surgery and a lengthy recovery time, which ultimately led to the downfall of her relationship with Stan and they filed for divorce. </p> <p>After their split, Stan met another woman when he was in his 70s, while Nancy never had another romance. </p> <p>When Nancy and Stan entered their 80s, they both began to show signs of dementia and could no longer care for themselves. </p> <p>Around Christmas time last year, their daughter Karen made the decision to put her father Stan, who suffered a fall while being cared for in Scotland, in the same home as Nancy, which is where she captured the heartwarming footage of them being reunited.</p> <p>In the clip, Nancy tells Stan he is "not bad looking for his age", while her ex-husband replies, "I recognise your face but I couldn't place who it was".</p> <p>The couple then agree to go on a date together and have a cup of tea, before having a kiss for "old time's sake."</p> <p style="font-size: 16px; box-sizing: inherit; margin: 0px 0px 5px; padding: 0px; border: 0px; vertical-align: baseline; caret-color: #323338; color: #323338; font-family: Figtree, Roboto, 'Noto Sans Hebrew', 'Noto Kufi Arabic', 'Noto Sans JP', sans-serif; outline: currentcolor !important;">The video was posted to TikTok by Karen's daughter Sarah-Ashleigh, who spoke to the <em><a href="https://www.dailymail.co.uk/news/article-13196325/Heartwarming-moment-former-husband-wife-dementia-reunited-care-home-30-years-apart.html" target="_blank" rel="noopener">Daily Mail</a></em> about the family's decision to put both Nancy and Stan in the same care home. </p> <div class="embed" style="font-size: 16px; box-sizing: inherit; margin: 0px; padding: 0px; border: 0px; vertical-align: baseline; outline: currentcolor !important;"><iframe class="embedly-embed" style="box-sizing: inherit; margin: 0px; padding: 0px; border-width: 0px; border-style: none; vertical-align: baseline; width: 600px; max-width: 100%; outline: currentcolor !important;" title="tiktok embed" src="https://cdn.embedly.com/widgets/media.html?src=https%3A%2F%2Fwww.tiktok.com%2Fembed%2Fv2%2F7341697620181519648&display_name=tiktok&url=https%3A%2F%2Fwww.tiktok.com%2F%40sarahashleighflorals%2Fvideo%2F7341697620181519648&image=https%3A%2F%2Fp16-sign-useast2a.tiktokcdn.com%2Fobj%2Ftos-useast2a-p-0037-euttp%2F4189e3105ed04778a3de6a83a40077b6_1709372224%3Fx-expires%3D1712448000%26x-signature%3DcpIHZABQ%252FDnAqGU7bJYeryVnJlU%253D&key=59e3ae3acaa649a5a98672932445e203&type=text%2Fhtml&schema=tiktok" width="340" height="700" frameborder="0" scrolling="no" allowfullscreen="allowfullscreen"></iframe></div> <p>"We were so worried how this would go. It's so good to see them be friends again," she said.</p> <p>"Dementia is a horrible disease, but it's moments like this which we really just hold on to."</p> <p>"Granny struggles a bit more in general and gets anxious and confused but I think having someone there who she knows has done wonders for her."</p> <p>"She's always looking for him (even when he's right next to her) and they sit together a lot and bicker like the married couple they used to be."</p> <p>"Love might not be the same kind of love forever, it is a shape shifter, but it never leaves."</p> <p>"Their marriage didn't last forever but just seeing them have a friendship again just shows that love never dies."</p> <p><em>Image credits: TikTok</em></p>

Caring

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Longing for the ‘golden age’ of air travel? Be careful what you wish for

<p><em><a href="https://theconversation.com/profiles/janet-bednarek-144872">Janet Bednarek</a>, <a href="https://theconversation.com/institutions/university-of-dayton-1726">University of Dayton</a></em></p> <p>Long lines at security checkpoints, tiny plastic cups of soda, small bags of pretzels, planes filled to capacity, fees attached to every amenity – all reflect the realities of 21st century commercial air travel. It’s no wonder that many travelers have become nostalgic for the so-called “golden age” of air travel in the United States.</p> <p>During the 1950s, airlines promoted commercial air travel as glamorous: stewardesses served full meals on real china, airline seats were large (and frequently empty) with ample leg-room, and passengers always dressed well.</p> <p>After jets were introduced in the late 1950s, passengers could travel to even the most distant locations at speeds unimaginable a mere decade before. An airline trip from New York to London that could take up to 15 hours in the early 1950s could be made in less than seven hours by the early 1960s.</p> <p>But airline nostalgia can be tricky, and “golden ages” are seldom as idyllic as they seem.</p> <p>Until the introduction of jets in 1958, most of the nation’s commercial planes were propeller-driven aircraft, like the DC-4. Most of these planes were unpressurized, and with a maximum cruising altitude of 10,000 to 12,000 feet, they were unable to fly over bad weather. Delays were frequent, turbulence common, and air sickness bags often needed.</p> <p>Some planes were spacious and pressurized: the <a href="http://everythingnice.org/wp-content/uploads/2009/07/PanAm-cutawayS.jpg">Boeing Stratocruiser</a>, for example, could seat 50 first class passengers or 81 coach passengers compared to the DC-3’s 21 passengers. It could cruise at 32,000 feet, which allowed Stratocruiser to fly above most bad weather it encountered. But only 56 of these planes were ever in service.</p> <p>While the later DC-6 and DC-7 were pressurized, they still flew much lower than the soon-to-appear jets – 20,000 feet compared to 30,000 feet – and often encountered turbulence. The piston engines were bulky, complex and difficult to maintain, which contributed to frequent delays.</p> <p>For much of this period, the old saying “Time to spare, go by air” still rang true.</p> <p>Through the 1930s and into the 1940s, almost everyone flew first class. Airlines did encourage more people to fly in the 1950s and 1960s by introducing coach or tourist fares, but the savings were relative: less expensive than first class, but still pricey. In 1955, for example, so-called “bargain fares” from New York to Paris were the equivalent of just over $2,600 in 2014 dollars. Although the advent of jets did result in lower fares, the cost was still out of reach of most Americans. The most likely frequent flier was a white, male businessman traveling on his company’s expense account, and in the 1960s, airlines – with young attractive stewardesses in short skirts – clearly catered to their most frequent flyers.</p> <p>The demographics of travelers did begin to shift during this period. More women, more young people, and retirees began to fly; still, airline travel remained financially out-of-reach for most.</p> <p>If it was a golden age, it only was for the very few.</p> <figure><iframe src="https://www.youtube.com/embed/bKqQgNZylLw?wmode=transparent&amp;start=0" width="440" height="260" frameborder="0" allowfullscreen="allowfullscreen"></iframe><figcaption><span class="caption">Jet planes were introduced in the late 1950s, resulting in shorter flight times. But their ticket prices out of reach for the average traveler.</span></figcaption></figure> <p>People also forget that well into the 1960s, air travel was far more dangerous than it is today. In the 1950s and 1960s US airlines experienced at least a half dozen crashes per year – most leading to fatalities of all on board. People today may bemoan the crowded airplanes and lack of on-board amenities, but the number of fatalities per million miles flown has dropped dramatically since since the late 1970s, especially compared to the 1960s. Through at least the 1970s, airports even prominently featured kiosks selling flight insurance.</p> <p>And we can’t forget hijackings. By the mid-1960s so many airplanes had been hijacked that <a href="http://www.latinamericanstudies.org/hijackers/flying-high.htm">“Take me to Cuba”</a> became a punch line for stand-up comics. In 1971 <a href="http://nymag.com/news/features/39593/index2.html">D.B. Cooper</a> – a hijacker who parachuted from a Boeing 727 after extorting $200,000 – might have been able to achieve folk hero status. But one reason US airline passengers today (generally) tolerate security checkpoints is that they want some kind of assurance that their aircraft will remain safe.</p> <p>And if the previous examples don’t dull the sheen of air travel’s “golden age,” remember: in-flight smoking was both permitted and encouraged.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/34177/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><a href="https://theconversation.com/profiles/janet-bednarek-144872"><em>Janet Bednarek</em></a><em>, Professor of History, <a href="https://theconversation.com/institutions/university-of-dayton-1726">University of Dayton</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/longing-for-the-golden-age-of-air-travel-be-careful-what-you-wish-for-34177">original article</a>.</em></p>

Travel Trouble

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How to be kind to yourself (without going to a day spa)

<p><em><a href="https://theconversation.com/profiles/lydia-brown-179583">Lydia Brown</a>, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</a></em></p> <p>“I have to be hard on myself,” Sarah told me in a recent telehealth psychology session. “I would never reach my potential if I was kind and let myself off the hook.”</p> <p>I could empathise with this fear of self-compassion from clients such as Sarah (not her real name). From a young age, we are taught to be kind to others, but self-kindness is never mentioned.</p> <p>Instead, we are taught success hinges on self-sacrifice. And we need a healthy inner critic to bully us forward into becoming increasingly better versions of ourselves.</p> <p>But <a href="https://journals.sagepub.com/doi/abs/10.1177/0146167212445599">research shows</a> there doesn’t have to be a trade-off between self-compassion and success.</p> <p>Self-compassion can help you reach your potential, while supporting you to face the inevitable stumbles and setbacks along the way.</p> <h2>What is self-compassion?</h2> <p><a href="https://self-compassion.org/">Self-compassion</a> has <a href="https://www.tandfonline.com/doi/abs/10.1080/15298860309027">three</a> key ingredients.</p> <p><strong>1. Self-kindness</strong></p> <p>This involves treating yourself with the same kindness you would extend towards a good friend – via your thoughts, feelings and actions – especially during life’s difficult moments.</p> <p>For instance, if you find yourself fixating on a minor mistake you made at work, self-kindness might involve taking a ten-minute walk to shift focus, and reminding yourself it is OK to make mistakes sometimes, before moving on with your day.</p> <p><strong>2. Mindfulness</strong></p> <p>In this context, mindfulness involves being aware of your own experience of stress or suffering, rather than repressing or avoiding your feelings, or over-identifying with them.</p> <p>Basically, you must see your stress with a clear (mindful) perspective before you can respond with kindness. If we avoid or are consumed by our suffering, we lose perspective.</p> <p><strong>3. Common humanity</strong></p> <p>Common humanity involves recognising our own experience of suffering as something that unites us as being human.</p> <p>For instance, a sleep-deprived parent waking up (for the fourth time) to feed their newborn might choose to think about all the other parents around the world doing exactly the same thing – as opposed to feeling isolated and alone.</p> <h2>It’s not about day spas, or booking a manicure</h2> <p>When Sarah voiced her fear that self-compassion would prevent her success, I explained self-compassion is distinct from self-indulgence.</p> <p>“So is self-compassion just about booking in more mani/pedis?” Sarah asked.</p> <p>Not really, I explained. A one-off trip to a day spa is unlikely to transform your mental health.</p> <p>Instead, self-compassion is a flexible <a href="https://link.springer.com/chapter/10.1007/978-3-031-22348-8_7">psychological resilience factor</a> that shapes our thoughts, feelings and actions.</p> <p>It’s associated with a suite of benefits to our <a href="https://iaap-journals.onlinelibrary.wiley.com/doi/abs/10.1111/aphw.12051">wellbeing</a>, <a href="https://www.tandfonline.com/doi/abs/10.1080/15298868.2011.639548">relationships</a> and <a href="https://www.tandfonline.com/doi/abs/10.1080/17437199.2019.1705872">health</a>.</p> <h2>What does the science say?</h2> <p>Over the past 20 years, we’ve learned self-compassionate people enjoy a wide range of benefits. They tend to be <a href="https://iaap-journals.onlinelibrary.wiley.com/doi/abs/10.1111/aphw.12051">happier</a> and have <a href="https://doi.org/10.1016/j.cpr.2012.06.003">fewer psychological symptoms</a> of distress.</p> <p>Those high on self-compassion <a href="https://journals.sagepub.com/doi/abs/10.1177/0146167212445599">persevere</a> following a failure. They say they are more motivated to overcome a personal weakness than those low on self-compassion, who are more likely to give up.</p> <p>So rather than feeling trapped by your inadequacies, self-compassion encourages a <a href="https://hbr.org/2018/09/give-yourself-a-break-the-power-of-self-compassion">growth mindset</a>, helping you reach your potential.</p> <p>However, self-compassion is not a panacea. It will not change your life circumstances or somehow make life “easy”. It is based on the premise that life is hard, and provides practical tools to cope.</p> <h2>It’s a factor in healthy ageing</h2> <p>I research menopause and healthy ageing and am especially interested in the value of self-compassion through menopause and in the second half of life.</p> <p>Because self-compassion becomes important during life’s challenges, it can help people navigate physical symptoms (for instance, <a href="https://www.sciencedirect.com/science/article/pii/S0378512214001649?via%3Dihub">menopausal hot flushes</a>), life transitions such as <a href="https://journals.sagepub.com/doi/10.1177/0956797611429466">divorce</a>, and <a href="https://link.springer.com/chapter/10.1007/978-3-031-22348-8_7">promote healthy ageing</a>.</p> <p>I’ve also teamed up with researchers at <a href="https://www.autismspectrum.org.au/">Autism Spectrum Australia</a> to explore self-compassion in autistic adults.</p> <p>We found autistic adults report significantly <a href="https://link.springer.com/article/10.1007/s10803-022-05668-y">lower levels</a> of self-compassion than neurotypical adults. So we developed an online <a href="https://www.autismspectrum.org.au/blog/new-online-self-compassion-program-for-autistic-adults">self-compassion training program</a> for this at-risk population.</p> <h2>Three tips for self-compassion</h2> <p>You <a href="https://onlinelibrary.wiley.com/doi/abs/10.1002/jclp.21923">can learn</a> self-compassion with these three exercises.</p> <p><strong>1. What would you say to a friend?</strong></p> <p>Think back to the last time you made a mistake. What did you say to yourself?</p> <p>If you notice you’re treating yourself more like an enemy than a friend, don’t beat yourself up about it. Instead, try to think about what you might tell a friend, and direct that same friendly language towards yourself.</p> <p><strong>2. Harness the power of touch</strong></p> <p>Soothing human touch <a href="https://www.frontiersin.org/journals/psychiatry/articles/10.3389/fpsyt.2020.555058/full">activates</a> the parasympathetic “relaxation” branch of our nervous system and counteracts the fight or flight response.</p> <p>Specifically, self-soothing touch (for instance, by placing both hands on your heart, stroking your forearm or giving yourself a hug) <a href="https://www.sciencedirect.com/science/article/pii/S2666497621000655">reduces</a> cortisol responses to psychosocial stress.</p> <p><strong>3. What do I need right now?</strong></p> <p>Sometimes, it can be hard to figure out exactly what self-compassion looks like in a given moment. The question “what do I need right now” helps clarify your true needs.</p> <p>For example, when I was 37 weeks pregnant, I woke up bolt awake one morning at 3am.</p> <p>Rather than beating myself up about it, or fretting about not getting enough sleep, I gently placed my hands on my heart and took a few deep breaths. By asking myself “what do I need right now?” it became clear that listening to a gentle podcast/meditation fitted the bill (even though I wanted to addictively scroll my phone).<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/223194/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><a href="https://theconversation.com/profiles/lydia-brown-179583"><em>Lydia Brown</em></a><em>, Senior Lecturer in Psychology, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</a></em></p> <p><em>Image credits: Getty Images </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/how-to-be-kind-to-yourself-without-going-to-a-day-spa-223194">original article</a>.</em></p>

Caring

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Mothers’ dieting habits and self-talk have profound impact on daughters − 2 psychologists explain how to cultivate healthy behaviors and body image

<p><em><a href="https://theconversation.com/profiles/janet-j-boseovski-451496">Janet J. Boseovski</a>, <a href="https://theconversation.com/institutions/university-of-north-carolina-greensboro-2069">University of North Carolina – Greensboro</a> and <a href="https://theconversation.com/profiles/ashleigh-gallagher-1505989">Ashleigh Gallagher</a>, <a href="https://theconversation.com/institutions/university-of-north-carolina-greensboro-2069">University of North Carolina – Greensboro</a></em></p> <p>Weight loss is one of the most common health and appearance-related goals.</p> <p>Women and <a href="https://www.cdc.gov/nchs/products/databriefs/db340.htm">teen girls</a> are <a href="https://www.cdc.gov/nchs/products/databriefs/db313.htm">especially likely to pursue dieting</a> to achieve weight loss goals even though a great deal of research shows that <a href="https://theconversation.com/what-thin-people-dont-understand-about-dieting-86604">dieting doesn’t work over the long term</a>.</p> <p>We are a <a href="https://www.duck-lab.com/people">developmental psychologist</a> and a <a href="https://psy.uncg.edu/directory/ashleigh-gallagher/">social psychologist</a> who together wrote a forthcoming book, “Beyond Body Positive: A Mother’s Evidence-Based Guide for Helping Girls Build a Healthy Body Image.”</p> <p>In the book, we address topics such as the effects of maternal dieting behaviors on daughters’ health and well-being. We provide information on how to build a foundation for healthy body image beginning in girlhood.</p> <h2>Culturally defined body ideals</h2> <p>Given the strong influence of social media and other cultural influences on body ideals, it’s understandable that so many people pursue diets aimed at weight loss. <a href="https://communityhealth.mayoclinic.org/featured-stories/tiktok-diets">TikTok</a>, YouTube, Instagram and celebrity websites feature slim influencers and “how-tos” for achieving those same results in no time.</p> <p>For example, women and teens are engaging in rigid and extreme forms of exercise such as 54D, a program to <a href="https://54d.com/">achieve body transformation in 54 days</a>, or the <a href="https://health.clevelandclinic.org/75-hard-challenge-and-rules">75 Hard Challenge</a>, which is to follow five strict rules for 75 days.</p> <p>For teens, these pursuits are likely fueled by trendy body preoccupations such as the desire for “<a href="https://www.nytimes.com/2024/02/06/well/move/tiktok-legging-legs-eating-disorders.html">legging legs</a>.”</p> <p>Women and teens have also been been inundated with recent messaging around <a href="https://theconversation.com/drugs-that-melt-away-pounds-still-present-more-questions-than-answers-but-ozempic-wegovy-and-mounjaro-could-be-key-tools-in-reducing-the-obesity-epidemic-205549">quick-fix weight loss drugs</a>, which come with a lot of caveats.</p> <p>Dieting and weight loss goals are highly individual, and when people are intensely self-focused, it is <a href="https://doi.org/10.1521/jscp.2000.19.1.70">possible to lose sight of the bigger picture</a>. Although women might wonder what the harm is in trying the latest diet, science shows that dieting behavior doesn’t just affect the dieter. In particular, for women who are mothers or who have other girls in their lives, these behaviors affect girls’ emerging body image and their health and well-being.</p> <h2>The profound effect of maternal role models</h2> <p>Research shows that mothers and maternal figures <a href="https://doi.org/10.1016/j.brat.2017.11.001">have a profound influence on their daughters’ body image</a>.</p> <p>The opportunity to influence girls’ body image comes far earlier than adolescence. In fact, research shows that these influences on body image <a href="https://www.teenvogue.com/story/how-toxic-diet-culture-is-passed-from-moms-to-daughters">begin very early in life</a> – <a href="https://doi.org/10.1016/bs.acdb.2016.10.006">during the preschool years</a>.</p> <p>Mothers may feel that they are being discreet about their dieting behavior, but little girls are watching and listening, and they are far more observant of us than many might think.</p> <p>For example, one study revealed that compared with daughters of nondieting women, 5-year-old girls whose mothers dieted <a href="https://doi.org/10.1016/S0002-8223(00)00339-4">were aware of the connection between dieting and thinness</a>.</p> <p>Mothers’ eating behavior does not just affect girls’ ideas about dieting, but also their daughters’ eating behavior. The amount of food that mothers eat <a href="https://doi.org/10.1016/j.appet.2018.04.018">predicts how much their daughters will eat</a>. In addition, daughters whose mothers are dieters are <a href="https://doi.org/10.1016/j.appet.2018.04.018">more likely to become dieters themselves</a> and are also <a href="https://doi.org/10.1016/j.eatbeh.2007.03.001">more likely to have a negative body image</a>.</p> <p>Negative body image is <a href="https://theconversation.com/mounting-research-documents-the-harmful-effects-of-social-media-use-on-mental-health-including-body-image-and-development-of-eating-disorders-206170">not a trivial matter</a>. It affects girls’ and women’s mental and physical well-being in a <a href="https://doi.org/10.1177/1359105317710815">host of ways</a> and <a href="https://doi.org/10.1016/j.brat.2011.06.009">can predict the emergence of eating disorders</a>.</p> <h2>Avoiding ‘fat talk’</h2> <p>What can moms do, then, to serve their daughters’ and their own health?</p> <p>They can focus on small steps. And although it is best to begin these efforts early in life – in girlhood – it is never too late to do so.</p> <p>For example, mothers can consider how they think about and talk about themselves around their daughters. Engaging in “fat talk” may inadvertently send their daughters the message that larger bodies are bad, <a href="https://doi.org/10.1016/j.bodyim.2020.07.004">contributing to weight bias</a> and negative self-image. Mothers’ fat talk also <a href="https://doi.org/10.1080/15267431.2021.1908294">predicts later body dissatisfaction in daughters</a>.</p> <p>And negative self-talk isn’t good for mothers, either; it is associated with <a href="https://doi.org/10.1177/1359105318781943">lower motivation and unhealthful eating</a>. Mothers can instead practice and model self-compassion, which involves treating oneself the way <a href="https://doi.org/10.1016/j.bodyim.2016.03.003">a loving friend might treat you</a>.</p> <p>In discussions about food and eating behavior, it is important to avoid moralizing certain kinds of food by labeling them as “good” or “bad,” as girls may extend these labels to their personal worth. For example, a young girl may feel that she is being “bad” if she eats dessert, if that is what she has learned from observing the women around her. In contrast, she may feel that she has to eat a salad to be “good.”</p> <p>Moms and other female role models can make sure that the dinner plate sends a healthy message to their daughters by showing instead that all foods can fit into a balanced diet when the time is right. Intuitive eating, which emphasizes paying attention to hunger and satiety and allows flexibility in eating behavior, is associated with <a href="https://doi.org/10.1007/s40519-020-00852-4">better physical and mental health in adolescence</a>.</p> <p>Another way that women and especially moms can buffer girls’ body image is by helping their daughters <a href="https://doi.org/10.1016/j.bodyim.2021.12.009">to develop media literacy</a> and to think critically about the nature and purpose of media. For example, moms can discuss the misrepresentation and distortion of bodies, such as the use of filters to enhance physical appearance, on social media.</p> <h2>Focusing on healthful behaviors</h2> <p>One way to begin to focus on health behaviors rather than dieting behaviors is to develop respect for the body and to <a href="https://theconversation.com/body-neutrality-what-it-is-and-how-it-can-help-lead-to-more-positive-body-image-191799">consider body neutrality</a>. In other words, prize body function rather than appearance and spend less time thinking about your body’s appearance. Accept that there are times when you may not feel great about your body, and that this is OK.</p> <p>To feel and look their best, mothers can aim to stick to a <a href="https://theconversation.com/whats-the-best-diet-for-healthy-sleep-a-nutritional-epidemiologist-explains-what-food-choices-will-help-you-get-more-restful-zs-219955">healthy sleep schedule</a>, manage their stress levels, <a href="https://theconversation.com/fiber-is-your-bodys-natural-guide-to-weight-management-rather-than-cutting-carbs-out-of-your-diet-eat-them-in-their-original-fiber-packaging-instead-205159">eat a varied diet</a> that includes all of the foods that they enjoy, and <a href="https://theconversation.com/the-runners-high-may-result-from-molecules-called-cannabinoids-the-bodys-own-version-of-thc-and-cbd-170796">move and exercise their bodies regularly</a> as lifelong practices, rather than engaging in quick-fix trends.</p> <p>Although many of these tips sound familiar, and perhaps even simple, they become effective when we recognize their importance and begin acting on them. Mothers can work toward modeling these behaviors and tailor each of them to their daughter’s developmental level. It’s never too early to start.</p> <h2>Promoting healthy body image</h2> <p>Science shows that several personal characteristics are associated with body image concerns among women.</p> <p>For example, research shows that women who are <a href="https://doi.org/10.1016/j.bodyim.2020.02.001">higher in neuroticism</a> <a href="https://doi.org/10.1186/2050-2974-1-2">and perfectionism</a>, <a href="https://doi.org/10.3389/fpsyg.2022.983534">lower in self-compassion</a> or <a href="https://doi.org/10.1016/j.bodyim.2013.08.001">lower in self-efficacy</a> are all more likely to struggle with negative body image.</p> <p>Personality is frequently defined as a person’s characteristic pattern of thoughts, feelings and behaviors. But if they wish, <a href="https://doi.org/10.1002/per.1945">mothers can change personality characteristics</a> that they feel aren’t serving them well.</p> <p>For example, perfectionist tendencies – such as setting unrealistic, inflexible goals – can be examined, challenged and replaced with more rational thoughts and behaviors. A woman who believes she must work out every day can practice being more flexible in her thinking. One who thinks of dessert as “cheating” can practice resisting moral judgments about food.</p> <p>Changing habitual ways of thinking, feeling and behaving certainly takes effort and time, but it is far more likely than diet trends to bring about sustainable, long-term change. And taking the first steps to modify even a few of these habits can positively affect daughters.</p> <p>In spite of all the noise from media and other cultural influences, mothers can feel empowered knowing that they have a significant influence on their daughters’ feelings about, and treatment of, their bodies.</p> <p>In this way, mothers’ modeling of healthier attitudes and behaviors is a sound investment – for both their own body image and that of the girls they love.<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/221968/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><a href="https://theconversation.com/profiles/janet-j-boseovski-451496"><em>Janet J. Boseovski</em></a><em>, Professor of Psychology, <a href="https://theconversation.com/institutions/university-of-north-carolina-greensboro-2069">University of North Carolina – Greensboro</a> and <a href="https://theconversation.com/profiles/ashleigh-gallagher-1505989">Ashleigh Gallagher</a>, Senior Lecturer, <a href="https://theconversation.com/institutions/university-of-north-carolina-greensboro-2069">University of North Carolina – Greensboro</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/mothers-dieting-habits-and-self-talk-have-profound-impact-on-daughters-2-psychologists-explain-how-to-cultivate-healthy-behaviors-and-body-image-221968">original article</a>.</em></p>

Mind

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

<p><em><a href="https://theconversation.com/profiles/ian-robertson-1372650">Ian Robertson</a>, <a href="https://theconversation.com/institutions/university-of-wollongong-711">University of Wollongong</a></em></p> <p>“To love what you are, the thing that is yourself, is just as if you were embracing a glowing red-hot iron” <a href="https://archive.org/details/jungsseminaronni0000jung">said psychonalyst Carl Jung</a>.</p> <p>Some may argue this social media generation does not seem to struggle with loving themselves. But is the look-at-me-ism so easily found on TikTok and Instagram the kind of self-love we need in order to flourish?</p> <p>The language of <a href="https://theconversation.com/teaching-positive-psychology-skills-at-school-may-be-one-way-to-help-student-mental-health-and-happiness-217173">positive psychology</a> can be – and often is – appropriated for all kinds of self-importance, as well as cynical marketing strategies.</p> <p>Loving yourself, though, psychological experts stress, is not the same as behaving selfishly. There’s a firm line between healthy and appropriate forms of loving yourself, and malignant or <a href="https://theconversation.com/how-many-types-of-narcissist-are-there-a-psychology-expert-sets-the-record-straight-207610">narcissistic</a> forms. But how do we distinguish between them?</p> <p>In 2023, researchers Eva Henschke and Peter Sedlmeier conducted <a href="https://www.researchgate.net/publication/355152846_What_is_self-love_Redefinition_of_a_controversial_construct">a series of interviews</a> with psychotherapists and other experts on what self-love is. They’ve concluded it has three main features: self-care, self-acceptance and self-contact (devoting attention to yourself).</p> <p>But as an increasingly individualistic society, are we already devoting too much attention to ourselves?</p> <h2>Philosophy and self-love</h2> <p>Philosophers and psychology experts alike have considered the ethics of self-love.</p> <p>Psychology researcher Li Ming Xue and her colleagues, <a href="https://www.frontiersin.org/articles/10.3389/fpsyg.2021.585719/full">exploring the notion of self-love in Chinese culture</a>, claim “Western philosophers believe that self-love is a virtue”. But this is a very broad generalisation.</p> <p>In the Christian tradition and in much European philosophy, <a href="https://www.tandfonline.com/doi/full/10.1080/10848770.2020.1839209">says philosopher Razvan Ioan</a>, self-love is condemned as a profoundly damaging trait.</p> <p>On the other hand, <a href="https://www.jstor.org/stable/2107991">many of the great Christian philosophers</a>, attempting to make sense of the instruction to love one’s neighbour as oneself, admitted certain forms of self-love were virtuous. In order to love your neighbour as yourself, you must, it would seem, love yourself.</p> <p>In the Western philosophical context, claim Xue and her colleagues, self-love is concerned with individual rights – “society as a whole only serves to promote an individual’s happiness”.</p> <p>This individualistic, self-concerned notion of self-love, they suggest, might come from the Ancient Greek philosophers. In particular, Aristotle. But <a href="https://www.psychologytoday.com/intl/blog/philosophy-stirred-not-shaken/201502/love-yourself-love-your-character">Aristotle thought only the most virtuous</a>, who benefited the society around them, should love themselves. By making this connection, he avoided equating self-love with self-centredness.</p> <p>We should love ourselves not out of vanity, he argued, but in virtue of our capacity for good. Does Aristotle, then, provide principled grounds for distinguishing between proper and improper forms of self-love?</p> <h2>Bar too high?</h2> <p>Aristotle might set the bar too high. If only the most virtuous should try to love themselves, this collides head-on with the idea loving yourself can help us improve and become more virtuous – as <a href="https://link.springer.com/chapter/10.1057/9781137383310_6">philosophers Kate Abramson and Adam Leite have argued</a>.</p> <p>Many psychologists claim self-love is important for adopting the kind and compassionate self-perception crucial for overcoming conditions that weaponise self-criticism, like <a href="https://theconversation.com/clinical-perfectionism-when-striving-for-excellence-gets-you-down-43704">clinical perfectionism</a> and <a href="https://theconversation.com/how-many-people-have-eating-disorders-we-dont-really-know-and-thats-a-worry-121938">eating disorders</a>.</p> <p>More broadly, some argue compassion for oneself is necessary to support honest insights into your own behaviour. They believe we need warm and compassionate self-reflection to avoid the defensiveness that comes with the fear of judgement – even if we’re standing as our own judge.</p> <p>For this reason, a compassionate form of self-love is often necessary to follow Socrates’ advice to “know thyself”, says <a href="https://link.springer.com/article/10.1007/s10677-015-9578-4">philosopher Jan Bransen</a>. Positive self-love, by these lights, can help us grow as people.</p> <h2>Self-love ‘misguided and silly’</h2> <p>But not everyone agrees you need self-love to grow. The late philosopher <a href="https://www.theguardian.com/news/2005/nov/29/guardianobituaries.obituaries">Oswald Hanfling</a> was deeply sceptical of this idea. In fact, he argued the notion of loving oneself was misguided and silly. His ideas are mostly rejected by philosophers of love, but pointing out where they go wrong can be useful.</p> <p>When you love someone, he said, you’re prepared to sacrifice your own interests for those of your beloved. But he thought the idea of sacrificing your own interests made no sense – which shows, he concluded, we can’t love ourselves.</p> <p><a href="https://www.jstor.org/stable/3751159">He wrote</a>: "I may sacrifice an immediate satisfaction for the sake of my welfare in the future, as in the case of giving up smoking. In this case, however, my motive is not love but self-interest. What I reveal in giving up smoking is not the extent of my love for myself, but an understanding that the long-term benefits of giving it up are likely to exceed the present satisfaction of going on with it."</p> <p>We often have conflicting interests (think of someone who is agonising over two different career paths) – and it’s not at all strange to sacrifice certain interests for the sake of others.</p> <p>This is not just a question of sacrificing short-term desires in favour of a long-term good, but a matter of sacrificing something of value for your ultimate benefit (or, so you hope).</p> <h2>Self-compassion</h2> <p>Hanfling fails to consider the role of compassionate self-love. While we might understand it’s in our interests to do something (for instance, repair bridges with someone we’ve fallen out with), it might take a compassionate and open disposition towards ourselves to recognise what’s in our best interests.</p> <p>We might need this self-compassion, too, in order to admit our failures – so we can overcome our defensiveness and see clearly how we’re failing to fulfil <a href="https://link.springer.com/article/10.1007/s10677-015-9578-4">these interests</a>.</p> <p>Self-acceptance in this context does not mean giving ourselves licence to run roughshod over the interests of those around us, nor to justify our flaws as “valid” rather than work on them.</p> <p>Self-love, as promoted by contemporary psychologists, means standing in a compassionate relationship to ourselves. And there’s nothing contradictory about this idea.</p> <p>Just as we strive to develop a supportive, kind relationship to the people we care about – and just as this doesn’t involve uncritical approval of everything they do – compassionate self-love doesn’t mean abandoning valid self-criticism.</p> <p>In fact, self-compassion has the opposite effect. It promotes comfort with the kind of critical self-assessment that helps us grow – which leads to resilience. It breeds the opposite of narcissistic self-absorption.<img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/205938/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><em><a href="https://theconversation.com/profiles/ian-robertson-1372650">Ian Robertson</a>, PhD Candidate (Teaching roles at Macquarie &amp; Wollongong), <a href="https://theconversation.com/institutions/university-of-wollongong-711">University of Wollongong</a></em></p> <p><em>Image credits: Getty Images </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/self-love-might-seem-selfish-but-done-right-its-the-opposite-of-narcissism-205938">original article</a>.</em></p>

Mind

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How do I handle it if my parent is refusing aged care? 4 things to consider

<p><em><a href="https://theconversation.com/profiles/lee-fay-low-98311">Lee-Fay Low</a>, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a></em></p> <p>It’s a shock when we realise our parents aren’t managing well at home.</p> <p>Perhaps the house and garden are looking more chaotic, and Mum or Dad are relying more on snacks than nutritious meals. Maybe their grooming or hygiene has declined markedly, they are socially isolated or not doing the things they used to enjoy. They may be losing weight, have had a fall, aren’t managing their medications correctly, and are at risk of getting scammed.</p> <p>You’re worried and you want them to be safe and healthy. You’ve tried to talk to them about aged care but been met with swift refusal and an indignant declaration “I don’t need help – everything is fine!” Now what?</p> <p>Here are four things to consider.</p> <h2>1. Start with more help at home</h2> <p>Getting help and support at home can help keep Mum or Dad well and comfortable without them needing to move.</p> <p>Consider drawing up a roster of family and friends visiting to help with shopping, cleaning and outings. You can also use home aged care services – or a combination of both.</p> <p>Government subsidised home care services provide from one to 13 hours of care a week. You can get more help if you are a veteran or are able to pay privately. You can take advantage of things like rehabilitation, fall risk-reduction programs, personal alarms, stove automatic switch-offs and other technology aimed at increasing safety.</p> <p>Call <a href="https://www.myagedcare.gov.au/">My Aged Care</a> to discuss your options.</p> <h2>2. Be prepared for multiple conversations</h2> <p>Getting Mum or Dad to accept paid help can be tricky. Many families often have multiple conversations around aged care before a decision is made.</p> <p>Ideally, the older person feels supported rather than attacked during these conversations.</p> <p>Some families have a meeting, so everyone is coming together to help. In other families, certain family members or friends might be better placed to have these conversations – perhaps the daughter with the health background, or the auntie or GP who Mum trusts more to provide good advice.</p> <p>Mum or Dad’s main emotional support person should try to maintain their relationship. It’s OK to get someone else (like the GP, the hospital or an adult child) to play “bad cop”, while a different person (such as the older person’s spouse, or a different adult child) plays “good cop”.</p> <h2>3. Understand the options when help at home isn’t enough</h2> <p>If you have maximised home support and it’s not enough, or if the hospital won’t discharge Mum or Dad without extensive supports, then you may be <a href="https://academic.oup.com/gerontologist/article/60/8/1504/5863160">considering a nursing home</a> (also known as residential aged care in Australia).</p> <p>Every person has a legal right to <a href="https://humanrights.gov.au/our-work/9-your-right-choose-where-you-live">choose where we live</a> (unless they have lost capacity to make that decision).</p> <p>This means families can’t put Mum or Dad into residential aged care against their will. Every person also has the right to choose to take risks. People can choose to continue to live at home, even if it means they might not get help immediately if they fall, or eat poorly. We should respect Mum or Dad’s decisions, even if we disagree with them. Researchers call this “dignity of risk”.</p> <p>It’s important to understand Mum or Dad’s point of view. Listen to them. Try to figure out what they are feeling, and what they are worried might happen (which might not be rational).</p> <p>Try to understand what’s really important to their quality of life. Is it the dog, having privacy in their safe space, seeing grandchildren and friends, or something else?</p> <p>Older people are often understandably concerned about losing independence, losing control, and having strangers in their personal space.</p> <p>Sometimes families prioritise physical health over psychological wellbeing. But we need to consider both when considering nursing home admission.</p> <p><a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC9826495/">Research</a> suggests going into a nursing home temporarily increases loneliness, risk of depression and anxiety, and sense of losing control.</p> <p>Mum and Dad should be involved in the decision-making process about where they live, and when they might move.</p> <p>Some families start looking “just in case” as it often takes some time to <a href="https://www.abc.net.au/everyday/questions-to-ask-when-choosing-an-aged-care-home-for-a-loved-one/10302590">find the right nursing home</a> and there can be a wait.</p> <p>After you have your top two or three choices, take Mum or Dad to visit them. If this is not possible, take pictures of the rooms, the public areas in the nursing home, the menu and the activities schedule.</p> <p>We should give Mum or Dad information about their options and risks so they can make informed (and hopefully better) decisions.</p> <p>For instance, if they visit a nursing home and the manager says they can go on outings whenever they want, this might dispel a belief they are “locked up”.</p> <p>Having one or two weeks “respite” in a home may let them try it out before making the big decision about staying permanently. And if they find the place unacceptable, they can try another nursing home instead.</p> <h2>4. Understand the options if a parent has lost capacity to make decisions</h2> <p>If Mum or Dad have lost capacity to choose where they live, family may be able to make that decision in their best interests.</p> <p>If it’s not clear whether a person has capacity to make a particular decision, a medical practitioner can assess for that capacity.</p> <p>Mum or Dad may have appointed an <a href="https://www.tag.nsw.gov.au/wills/appoint-enduring-guardian/what-enduring-guardian">enduring guardian</a> to make decisions about their health and lifestyle decisions when they are not able to.</p> <p>An enduring guardian can make the decision that the person should live in residential aged care, if the person no longer has the capacity to make that decision themselves.</p> <p>If Mum or Dad didn’t appoint an enduring guardian, and have lost capacity, then a court or tribunal can <a href="https://www.tag.nsw.gov.au/guardianship/information-about-guardianship">appoint</a> that person a private guardian (usually a family member, close friend or unpaid carer).</p> <p>If no such person is available to act as private guardian, a public official may be appointed as public guardian.</p> <h2>Deal with your own feelings</h2> <p>Families often feel <a href="https://link.springer.com/article/10.1007/s12144-023-04538-9">guilt and grief</a> during the decision-making and transition process.</p> <p>Families need to act in the best interest of Mum or Dad, but also balance other caring responsibilities, financial priorities and their own wellbeing.<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/221210/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><a href="https://theconversation.com/profiles/lee-fay-low-98311"><em>Lee-Fay Low</em></a><em>, Professor in Ageing and Health, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a></em></p> <p><em>Image credits: 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/how-do-i-handle-it-if-my-parent-is-refusing-aged-care-4-things-to-consider-221210">original article</a>.</em></p>

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Maintaining friendships after a dementia diagnosis can spur feelings of joy and self-worth

<p><em><a href="https://theconversation.com/profiles/colleen-whyte-1281976">Colleen Whyte</a>, <a href="https://theconversation.com/institutions/brock-university-1340">Brock University</a>; <a href="https://theconversation.com/profiles/darla-fortune-1363967">Darla Fortune</a>, <a href="https://theconversation.com/institutions/concordia-university-1183">Concordia University</a>, and <a href="https://theconversation.com/profiles/rebecca-genoe-1363968">Rebecca Genoe</a>, <a href="https://theconversation.com/institutions/university-of-regina-3498">University of Regina</a></em></p> <p>What would our lives be like if we could no longer depend on our most cherished friendships? The people who know us best, who have been there through our ups and downs, and share a history with us?</p> <p>For many people living with dementia, this is a reality. Over 500,000 Canadians <a href="https://alzheimer.ca/en/about-dementia/what-dementia/dementia-numbers-canada">are currently living with dementia</a>, and a diagnosis often leads to <a href="https://www.alzscot.org/news/friendship-and-dementia">a loss of friendships</a> and social opportunities.</p> <p>The reactions of friends greatly affect the experience of someone living with dementia. When friends distance themselves because they don’t know what to say or presume they no longer know how to interact with their friend, a person with dementia can experience <a href="https://www.researchgate.net/publication/275353356_Friendships_for_People_Living_with_Dementia_in_Long-Term_Care">feelings of isolation and loneliness</a>.</p> <p>When people living with dementia can depend on their friends, they continue to enjoy meaningful leisure activities, experience <a href="https://doi.org/10.1093/ageing/afx186">feelings of joy and self-worth</a>, and see themselves as <a href="https://alzheimer.ca/en/take-action/become-dementia-friendly/meaningful-engagement-people-living-dementia">valued members of their social circles</a>.</p> <p><a href="https://dementiaandfriendship.ca/">Our research</a> had us interview friends together, asking them to share tips and strategies for navigating dementia. We heard moving stories of deepened bonds of friendship, genuine acceptance and the joy of simply being together.</p> <h2>Adapting to changes</h2> <p>Our research allowed us to speak with people who shared a 70-year friendship and couldn’t imagine life without each other. We learned that for some, a neighbourhood walk together was an opportunity to say a quick hello and how a weekly trip to the pub enabled some friends to connect and re-connect in a familiar space.</p> <p>People living with dementia and their friends <a href="https://doi.org/10.1017/S0714980821000301">may adapt to changes</a> brought about by the diagnosis in several ways. For example, they may prioritize their friendship by setting aside time for regular phone calls and visits. They may alter the way they think about the friendship by being accepting of the changes. They may also use practical strategies, like providing reminders for plans, and offering additional support when spending time together.</p> <p>Friends of individuals living with dementia may seek ways to <a href="https://doi.org/10.1177/1471301220980898">continue enjoying meaningful time together</a>. Sometimes this involves identifying activities that are comfortable and familiar. It may also involve providing direction and encouragement to support the continuation of enjoyable experiences, such as visiting a favourite restaurant.</p> <p>For some, additional comfort may come from hanging out as a group because there is extra support available if needed.</p> <h2>Open and honest communication</h2> <p>Open and honest communication is key to maintaining any friendship and becomes particularly important following a diagnosis of dementia. Yet, that may be the biggest challenge.</p> <p>Below are <a href="https://dementiaandfriendship.ca/">some questions that friends might find helpful</a> to ask over a cup of coffee, on a walk or in a quiet, shared moment:</p> <ul> <li>What do you value about our friendship? Can I tell you what our friendship means to me?</li> <li>What is one thing I do that makes you laugh? Here’s something you do that makes me laugh…</li> <li>How can we make sure we maintain our friendship (i.e., talk on the phone, over the internet, go for coffee)? How often do you want to connect? How do we need to change our time together? What can stay the same?</li> <li>How can we support each other to continue enjoying the leisure activities that are meaningful to us?</li> <li>What are the best times and days to plan activities (i.e., morning, afternoon, weekday, weekend)? Are there exceptions?</li> <li>Do we need to schedule something in advance (need time to prepare, or get more rest the day before) or can we be spontaneous?</li> <li>Where do you feel safe and able to be yourself?</li> <li>When we are in public and you need me to step in for you, how will I know? What is “our” signal?</li> <li>What do I do if I notice you’re starting to make decisions that are not like you?</li> <li>Can I ask you these same questions in a few weeks?</li> </ul> <p>The need for friendship <a href="https://alzheimer.ca/en/help-support/im-living-dementia/living-well-dementia/staying-socially-connected">does not diminish with age</a> and <a href="https://www.psychologytoday.com/ca/blog/happiness-in-world/201312/the-true-meaning-friendship">friendships continue to deeply enrich our lives</a>.</p> <p>Given that a dementia diagnosis often puts individuals at an increased risk of social isolation, we must pay careful attention to understanding ways to ensure that friends remain engaged with their networks in personal and meaningful ways.</p> <p>The first step is to trust in the friendship and begin to explore how it can be sustained over time.<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/187038/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><a href="https://theconversation.com/profiles/colleen-whyte-1281976"><em>Colleen Whyte</em></a><em>, Associate Professor in the Department of Recreation and Leisure Studies, <a href="https://theconversation.com/institutions/brock-university-1340">Brock University</a>; <a href="https://theconversation.com/profiles/darla-fortune-1363967">Darla Fortune</a>, Associate Professor, Applied Human Sciences, <a href="https://theconversation.com/institutions/concordia-university-1183">Concordia University</a>, and <a href="https://theconversation.com/profiles/rebecca-genoe-1363968">Rebecca Genoe</a>, Professor, Kinesiology and Health Studies, <a href="https://theconversation.com/institutions/university-of-regina-3498">University of Regina</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/maintaining-friendships-after-a-dementia-diagnosis-can-spur-feelings-of-joy-and-self-worth-187038">original article</a>.</em></p>

Relationships

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How to stop self-criticising and build yourself up instead

<p><strong>Stop the self-harm</strong></p> <p>It won’t hurt as much when you say something mean about me if I say it about myself first. For decades, this had been my mantra, a type of self-defence mechanism I developed as a kid against those who would criticise, bully or belittle me. On one hand, it made me humble, aware of my flaws and open to improving myself. On the other, self-criticising stunted my ability to be confident and trust my gut.</p> <p>The self-criticism quickly took on a life of its own – to the point where I was constantly trying to anticipate what people might not like about me and then beat them to the punchline. “I know I can be too much, and you’re probably sick of me,” I’d tell friends, which was a statement born less out of self-awareness and more out of fear. That sort of self-deprecating remark made it impossible to love myself, put others in an awkward position and backfired on quite a few occasions. A new friend once quipped, “If that were true, why would I be friends with you? Are you saying I have bad taste in friends?”</p> <p>That hit hard. For people who didn’t have good intentions, well, I’d just handed them a laundry list of all my insecurities. What I was really saying was I’m afraid you’ll hurt me, so I’ll hurt myself first. That’s a pretty harsh way to live life. Luckily, there’s a path out of the self-criticising trap. I talked to the experts to find out why we’re so good at putting ourselves down – and how to stop.</p> <p><strong>Why do we criticise ourselves so much?</strong></p> <p>I’m not the only one who made self-criticising a personality trait. In fact, a lot of women are conditioned to be this way, says psychologist Dr Traci Stein, who is also an author and creator of a series of programs to fight critical self-talk and build self-compassion.</p> <p>“Having negative thoughts about ourselves is human nature. We all want to fit in, be accepted and not be ostracised,” she explains. “We are all under a lot of pressure to measure ourselves according to other people’s evaluations and expectations. So we subconsciously fixate on something to ‘fix’ so we will feel loved and accepted.”</p> <p>The irony of these thoughts is that while they’re based on a desire to fit in and feel accepted in our community, they often have the opposite result, says Latasha Blackmond, author of Be You, No Filter: How to Love Yourself and Stay #SocialMediaStrong. “Over time, self-criticism does the very thing you’re afraid of: It isolates you by making you very self-centred and, yes, selfish. You’re too busy worrying about yourself to love and help others,” she says.</p> <p>Ouch.</p> <p><strong>What is self-criticism and how do you spot it?</strong></p> <p>Self-criticism is any thought that highlights a flaw or problem you have – or think you have (as Stein points out, critical thoughts are often untrue). These negative thoughts can become ingrained so deeply in your inner voice that they become hard to recognise in the moment.</p> <p>You can identify these thoughts, she says, because they are often self-defeating and repetitive, leading to feelings of insecurity, confusion, self-doubt, sadness and anger. The connection between self-criticising thoughts and negative emotions is so strong that many people with chronic depression find that a habit of severe self-criticism is at the core of their mental illness.</p> <p>Often tell yourself you’re a massive failure? That’s self-criticism. Other examples of self-critical thoughts include:</p> <ul> <li>I’ll never be good enough. I’ve always failed at everything I try.</li> <li>I don’t deserve to be loved.</li> <li>I hate myself.</li> <li>If only I were richer, thinner, prettier or smarter. Then people would like me.</li> <li>I don’t deserve good things, but I deserve all the bad things.</li> <li>I’m so annoying. Everyone must hate me.</li> </ul> <p>These are just the tip of the garbage iceberg. Self-criticism can cover any area of your life, including your body, relationships, sexual encounters, career, finances, goals, hobbies, family and education – even your life in general, Stein says.</p> <p><strong>What is the harm in self-criticising?</strong></p> <p>On a basic level, being able to recognise our own faults benefits us because it gives us a chance to correct them and improve. But this is different from the type of malignant self-criticising many people engage in, Blackmond says. “Self-criticism is rarely productive and often impedes growth,” she says. “You start to believe all the bad things you are saying about yourself, which can then turn into a self-fulfilling prophecy. This, in turn, leads to anxiety and depression, creating a vicious cycle of negativity.”</p> <p>Case in point: You tell yourself you’re too dumb to get the promotion at work, so you don’t even try. When you don’t get the promotion, you tell yourself that proves you were right. You beat yourself up for your “failure,” which reinforces the belief that you are dumb, starting the whole cycle over again.</p> <p>“People who are very self-critical lack the confidence to make mistakes they can learn from. Fearing they aren’t good enough can lead to struggles at school, work and in general, and can lead someone to avoid any situation that generates more worry and self-doubt,” Stein says, adding that these people are also more likely to end up in toxic or abusive relationships.</p> <p>Another issue arises when self-criticism framed as self-improvement turns into excessive worrying, Stein says. “So someone might wind up worrying about an awful lot of things, from whether they are ‘good enough’ in some way to excessive worrying about their health, safety or competence – even if there is no objective evidence suggesting they have something to worry about,” she explains. “These worries take up a lot of time and energy.”</p> <p><strong>How to stop self-criticising once and for all</strong></p> <p>The good news about these negative thoughts is they are just that: thoughts. And you can change your thoughts, Blackmond says. It starts by cultivating a positive mindset through self-compassion. “Be aware of the negative thoughts and interrupt that internal dialogue,” she says. “Change them into something positive. Speak to yourself kindly, like you would to someone you love and care about. You’d never tell your child that they are stupid and ugly, so don’t speak to yourself that way either.”</p> <p>Easier said than done? Here are 12 tips from our experts that will help you cultivate self-compassion and nix harmful critical thoughts.</p> <p><strong>1. Celebrate imperfections </strong></p> <p>Kintsugi is a Japanese art form that repairs broken pottery with gold, highlighting the “flaws” and showing the beauty in breaking down and repairing. Look for kintsugi in your life, metaphorically and physically. “Look to art, music, poetry and prose, drama and [other areas] that celebrate imperfection and see it as a gift, not a flaw to be hidden,” Blackmond says.</p> <p><span style="text-decoration: underline;"><em>Try this:</em></span> Start by reading body-positivity quotes and confidence quotes. For a hands-on lesson in the beauty of imperfections, get a kintsugi craft kit. Or watch a play, read a book or listen to a song that celebrates our flaws.</p> <p><strong>2. Be less judgemental of others</strong></p> <p>People who are harshly critical of others are usually harshly critical of themselves as well, so learning to offer others grace and compassion can open the door to doing the same for yourself, Blackmond says. “It’s about not seeing the world as black or white, good or bad,” she says.</p> <p><span style="text-decoration: underline;"><em>Try this:</em></span> Whenever you catch yourself thinking negatively of someone else – from your sister to a celebrity to a terrible driver – stop the thought and offer a more compassionate take. Let’s say your mind automatically thinks What kind of idiot can’t park between the lines? Replace the thought with a kinder take: This person must have been in a big hurry or having a bad day. I hope things get better for them.</p> <p><strong>3. Delete your social media apps</strong></p> <p>Or at least lessen the amount of time you spend on them. “Social media can have this immense impact on our self-esteem because it encourages us to compare our worst selves to other people’s best selves,” Blackmond says. Besides, what you see is often photoshopped or cherry-picked.</p> <p><span style="text-decoration: underline;"><em>Try this:</em></span> Stop comparing yourself to others. Limit your time on social media to one hour or less per day. Curate your feed, and unfollow anyone who makes you feel bad about yourself.</p> <p><strong>4. Get therapy</strong></p> <p>Self-critical thoughts can be really sticky, especially if you’ve made a habit of them, Stein says. “A good therapist will help you learn to recognise these thoughts, challenge them and come up with anxiety-management strategies,” she says. “They can also act as a mirror, helping you see yourself in a more accurate light.”</p> <p><span style="text-decoration: underline;"><em>Try this:</em></span> Find a therapist who specialises in self-compassion or read a book about self-compassion.</p> <p><strong>5. Do a mindfulness meditation</strong></p> <p>Mindfulness is simply the practice of being present in the here and now, and when you’re focused on this moment, you can’t beat yourself up by looking to the past with regret or looking to the future with worry, Stein says. “Mindfulness meditation is a powerful tool for learning to reframe or stop self-critical thoughts,” she says.</p> <p><span style="text-decoration: underline;"><em>Try this:</em></span> Download a meditation app like Calm, Headspace or The Mindfulness App, and do a daily guided mindfulness meditation. Don’t worry about acing the practice on day one. Being mindful is a learned skill, and mindfulness meditation is useful even at the beginner stage.</p> <p><strong>6. Use self-deprecating humour sparingly </strong></p> <p>Making other people the butt of your jokes is cruel… and so is making yourself the butt of the joke. “A little self-deprecating humour in the right situation can help defuse tension and build relationships, but a little goes a long way,” Blackmond says. Heavy-handed self-deprecating humour makes others uncomfortable, and it can affect how you see yourself.</p> <p>“Be very careful with how you speak about yourself, even in a joking way,” she says. “Better yet, pick a different type of humour to bond over.”</p> <p><span style="text-decoration: underline;"><em>Try this:</em></span> Brush up on your public speaking, and if you’re going to crack a joke, pick one that has nothing to do with you.</p> <p><strong>7. Go outside </strong></p> <p>Self-criticism makes your world get smaller and smaller as you limit yourself. The antidote? Make your world bigger. “When you find yourself getting trapped in a cycle of negativity, go outside and take a walk,” Blackmond says. Breathe the fresh air, look at the sunset, say hi to your neighbours, pick up a little trash along the way – all these things will help you instantly feel better about yourself and the world.</p> <p><span style="text-decoration: underline;"><em>Try this:</em></span> Take a walk outdoors each day and boost both your mental and physical health. Listen to some confidence-boosting songs in the process to really break your negative mindset.</p> <p><strong>8. Learn a new hobby</strong></p> <p>From painting to computer coding to rock climbing, trying new things helps you focus on the positive while “proving” the negative thoughts wrong. The trick, Blackmond says, is to go into it with a positive attitude. Be open to new things and accept that failing is a part of the learning process. “It’s OK to fail,” she says. “Expect mistakes as part of the learning process – celebrate them.”</p> <p><span style="text-decoration: underline;"><em>Try this:</em></span> Sign up for a class, find a new hobby or go back to an activity you used to love.</p> <p><strong>9. End toxic relationships </strong></p> <p>“A lot of us are self-critical because we were criticised early on by parents or other loved ones,” Stein says, adding that people often see this type of criticism as good because it’s “done out of love.” But this is not loving behaviour.</p> <p>“Go where you’re celebrated,” Blackmond says. “Everyone deserves to be celebrated and lifted up by their loved ones.”</p> <p><span style="text-decoration: underline;"><em>Try this:</em></span> Break the cycle by keeping relationships with only those people who build you up and encourage you to grow. Avoid people who use “brutal honesty” or “tough love” to show their care. Stand up for yourself and kick those toxic relationships to the curb.</p> <p><strong>10. Try cognitive behavioural therapy</strong></p> <p>Cognitive behavioural therapy (CBT) and its companion, dialectical behavioural therapy (DBT), are powerful psychological tools for reframing negative thoughts and learning how to think more positively, Stein says. “CBT helps people become more aware of the specific, core beliefs behind all of these in-the-moment worries and identify what is triggering the negative self-talk,” she explains. They sound technical, but the concepts are simple, and anyone can implement them with practice.</p> <p><span style="text-decoration: underline;"><em>Try this:</em></span> Even if you have to get out of your comfort zone a little, it’s worth signing up for a course of CBT. Not ready for that? Do a CBT workbook at home.</p> <p><strong>11. Help other people</strong></p> <p>The fastest way to feel more positively about yourself is to do something positive in the world, Blackmond says. “Self-criticism is inherently selfish. Serving others is selfless,” she says. “Pure altruism sparks a cascade of love and positivity that fills you and radiates outwards.”</p> <p><span style="text-decoration: underline;"><em>Try this:</em></span> Do something for someone who can’t do anything for you, she suggests. For instance, volunteer at a local school or food bank. Not only will you be doing some good in the world, but you’ll reap the many benefits of volunteering.</p> <p><strong>12. Use self-reflection instead of self-criticism </strong></p> <p>No one is saying that you need to think you’re perfect exactly the way you are, or there’s no room for improvement. Rather, Blackmond says, you should be looking honestly and realistically at your flaws. The trick is to do it in a positive way. Self-reflection encourages insight and action based on self-love and a desire to do better and be better, she explains. Self-criticism stops that process, trapping you in a cycle of negativity and stunting your growth.</p> <p><span style="text-decoration: underline;"><em>Try this:</em></span> Keep a journal of the things you like about yourself and the things you can improve on. Practice gratitude for yourself and others. Make positive goals to help you progress in those areas, track your progress and celebrate your successes.</p> <p><strong>Stop the self-criticising cycle </strong></p> <p>“At the core of every self-critical belief is the question ‘Am I lovable and worthy of love the way I am?’ And the answer is yes, you are,” Stein says. Too many people, like me, use self-criticism as a self-defence tool, and it cuts us off from the very love and acceptance we crave.</p> <p>Learning how to build emotional strength and quiet that critical self-talk through self-compassion is the key to stronger relationships and a happier life. “You’ve only got this one life, so don’t waste it on regret and worry,” she says.</p> <p><em>Image credits: Getty Images</em></p> <p><em>This article originally appeared on <a href="https://www.readersdigest.co.nz/healthsmart/conditions/mental-health/how-to-stop-self-criticising-and-build-yourself-up-instead?pages=1" target="_blank" rel="noopener">Reader's Digest</a>. </em></p>

Mind

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It’s beginning to look a lot like burnout. How to take care of yourself before the holidays start

<p><em><a href="https://theconversation.com/profiles/sophie-scott-1462197">Sophie Scott</a>, <a href="https://theconversation.com/institutions/university-of-notre-dame-australia-852">University of Notre Dame Australia</a> and <a href="https://theconversation.com/profiles/gordon-parker-94386">Gordon Parker</a>, <a href="https://theconversation.com/institutions/unsw-sydney-1414">UNSW Sydney</a></em></p> <p>It’s getting towards the time of the year when you might feel more overwhelmed than usual. There are work projects to finish and perhaps exams in the family. Not to mention the pressures of organising holidays or gifts. Burnout is a real possibility.</p> <p>Burnout is defined by the <a href="https://www.who.int/standards/classifications/frequently-asked-questions/burn-out-an-occupational-phenomenon#:%7E:text=Burn%2Dout%20is%20defined%20in,has%20not%20been%20successfully%20managed.">World Health Organization</a> (WHO) as having three main symptoms – exhaustion, loss of empathy and reduced performance at work.</p> <p>Australian <a href="https://pubmed.ncbi.nlm.nih.gov/34052460/">research</a> argues for a broader model, particularly as the WHO’s third symptom may simply be a consequence of the first two.</p> <p>So what is burnout really? And how can you avoid it before the holidays hit?</p> <h2>More than being really tired</h2> <p>The Australian research model endorsed exhaustion as the primary burnout symptom but emphasised burnout should not be simply equated with exhaustion.</p> <p>The second symptom is loss of empathy (or “compassion fatigue”), which can also be experienced as uncharacteristic cynicism or a general loss of feeling. Nothing much provides pleasure and <em>joie de vivre</em> is only a memory.</p> <p>The third symptom (cognitive impairment) means sufferers find it <a href="https://www.abc.net.au/news/2023-02-13/gordon-parker-says-the-burnout-definition-needs-to-broaden/101920366">difficult to focus</a> and retain information when reading. They tend to scan material – with some women reporting it as akin to “baby brain”.</p> <p>Research <a href="https://pubmed.ncbi.nlm.nih.gov/34052460/">suggests</a> a fourth symptom: insularity. When someone is burnt out, they tend to keep to themselves, not only socialising less but also obtaining little pleasure from interactions.</p> <p>A potential fifth key feature is an unsettled mood.</p> <p>And despite feeling exhausted, most individuals report insomnia when they’re burnt out. In severe cases, immune functioning can be compromised (so that the person may report an increase in infections), blood pressure may drop and it may be difficult or impossible to get out of bed.</p> <p>Predictably, such features (especially exhaustion and cognitive impairment) do lead to compromised work performance.</p> <p>Defining burnout is important, as rates have <a href="https://dspace.library.uu.nl/bitstream/handle/1874/420608/Burnout_Fatigue_Exhaustion.pdf?sequence=1&amp;isAllowed=y">increased</a> in the last few decades.</p> <h2>‘Tis the season</h2> <p>For many, the demands of the holidays cause exhaustion and risk burnout. People might feel compelled to shop, cook, entertain and socialise more than at other times of year. While burnout was initially defined in those in formal employment, we now recognise the same pattern can be experienced by those meeting the needs of children and/or elderly parents – with such needs typically increasing over Christmas.</p> <p>Burnout is generally viewed according to a simple stress-response model. Excessive demands lead to burnout, without the individual bringing anything of themselves to its onset and development. But the Australian <a href="https://pubmed.ncbi.nlm.nih.gov/34052460/">research</a> has identified a richer model and emphasised how much personality contributes.</p> <p>Formal carers, be they health workers, teachers, veterinarians and clergy or parents – are <a href="https://www.taylorfrancis.com/books/mono/10.4324/9781003333722/burnout-gordon-parker-gabriela-tavella-kerrie-eyers">more likely</a> to experience burnout. But some other professional groups – such as lawyers – are also at high risk.</p> <p>In essence, “good” people - who are dutiful, diligent, reliable, conscientious and perfectionistic (either by nature or work nurture) – are at the <a href="https://journals.lww.com/jonmd/Abstract/2020/06000/A_Qualitative_Reexamination_of_the_Key_Features_of.4.aspx">greatest risk</a> of burnout.</p> <h2>6 tips for avoiding seasonal burnout</h2> <p>You may not be able to change your personality, but you can change the way you allow it to “shape” activities. Prioritising, avoiding procrastination, decluttering and focusing on the “big picture” are all good things to keep in mind.</p> <p>Managing your time helps you regain a sense of control, enhances your efficiency, and reduces the likelihood of feeling overwhelmed by responsibilities.</p> <p><strong>1. Prioritise tasks</strong></p> <p>Rank tasks based on urgency and importance. The Eisenhower Matrix, <a href="https://www.amazon.com.au/7-Habits-Highly-Effective-People/dp/0743269519">popularised</a> by author Stephen R Covey, puts jobs into one of four categories:</p> <ul> <li> <p>urgent and important</p> </li> <li> <p>important but not urgent</p> </li> <li> <p>urgent but not important</p> </li> <li> <p>neither urgent nor important.</p> </li> </ul> <p>This helps you see what needs to be top priority and helps overcome the illusion that everything is <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC10159458/">urgent</a>.</p> <p><strong>2. Set realistic goals</strong></p> <p>Break down large goals into smaller, manageable tasks to be achieved each day, week, or month – to prevent feeling overwhelmed. This could mean writing a gift list in a day or shopping for a festive meal over a week. Use tools such as calendars, planners or digital apps to schedule tasks, deadlines and appointments.</p> <p><strong>3. Manage distractions</strong></p> <p>Minimise <a href="https://psycnet.apa.org/record/2023-66900-001">distractions</a> that hinder productivity and time management. <a href="https://www.journals.uchicago.edu/doi/full/10.1086/691462">Research</a> finds people complete cognitive tasks better with their phones in another room rather than in their pockets. People with phones on their desks performed the worst.</p> <p>Setting specific work hours and website blockers can limit distractions.</p> <p><strong>4. Chunk your time</strong></p> <p>Group similar tasks together and allocate specific time blocks to focus on them. For example, respond to all outstanding emails in one stint, rather than writing one, then task-switching to making a phone call.</p> <p>This approach <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC7075496/">increases efficiency</a> and reduces the time spent transitioning between different activities.</p> <p><strong>5. Take breaks</strong></p> <p>A <a href="https://psycnet.apa.org/record/2022-90592-001">2022 systematic review</a> of workplace breaks found taking breaks throughout the day improves focus, wellbeing and helps get more work done.</p> <p><strong>6. Delegate</strong></p> <p>Whether at home or work, you don’t have to do it all! Identify tasks that can be effectively delegated to others or automated.</p> <p>To finish the year feeling good, try putting one or more of these techniques into practice and prepare for a restful break.<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/216175/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><a href="https://theconversation.com/profiles/sophie-scott-1462197"><em>Sophie Scott</em></a><em>, Associate Professor (Adjunct), Science Communication, <a href="https://theconversation.com/institutions/university-of-notre-dame-australia-852">University of Notre Dame Australia</a> and <a href="https://theconversation.com/profiles/gordon-parker-94386">Gordon Parker</a>, Scientia Professor, <a href="https://theconversation.com/institutions/unsw-sydney-1414">UNSW Sydney</a></em></p> <p><em>Image credits: Getty Images </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/its-beginning-to-look-a-lot-like-burnout-how-to-take-care-of-yourself-before-the-holidays-start-216175">original article</a>.</em></p>

Caring

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15 money-saving habits self-made millionaires have in common

<p><strong>Start saving smarter</strong></p> <p>Learning how to save money like a self-made millionaire can mean the difference between stressing to dress and dressing to impress. It can help you retire younger so you’re able to see more of the world sooner. It can mean finally building that dream house. And more than anything, it can mean having the money when you truly need it.</p> <p>But let’s face it: Not all of us are natural savers. We waste our money on frivolous supermarket buys we’re convinced we have to have in the moment. We don’t bother with high-yield savings or investment accounts. And we have a tendency to try to keep up with the Joneses. In other words, we could really use the help of a self-made millionaire who not only knows the tricks to getting rich but is also skilled at saving. Luckily, we talked to some financial geniuses who were willing to share their expert tips on the money-saving strategies all self-made millionaires share.</p> <p>Whether you’re planning to retire at 30 or are opening your first savings account, these are the money-saving habits you should borrow from self-made millionaires to become one yourself someday.</p> <p><strong>They follow the 50-30-20 rule</strong> </p> <p>Forget complicated budgeting or uncomfortable belt-tightening; the secret to saving big might boil down to three simple numbers. Kimberly Palmer, a personal finance expert at NerdWallet, says that many a self-made millionaire follows the “50-30-20” rule.</p> <p>Using this formula, they put aside 50% of the money they earn for savings and necessities such as rent and groceries, 30% for lifestyle purchases like new clothing and 20% for fun activities like concerts or eating out. By regularly and intentionally setting aside a fixed amount of savings, the self-made millionaire builds a nest egg faster.</p> <p>Ready to try it for yourself? To get started, download a budget app to help you divvy up your income accordingly. “You might find that with some adjustments, such as shifting your food spending toward groceries and away from takeout and restaurants, or cutting back on monthly subscriptions, you can take steps toward reaching your wealth-building goals,” Palmer says.</p> <p><strong>They automate their finances</strong></p> <p>Budgeting is a smart move, but there are times when it can backfire, according to nine-time New York Times bestselling author David Bach, the founder of FinishRich.com. “You’re too busy, and you will just get frustrated and fail,” he says.</p> <p>Instead, self-made millionaires automate their financial lives so they can’t fail. That includes setting up a regular deposit into their savings accounts to be automatically withdrawn from their pay.</p> <p>Bach also recommends using autopay for many of your bills, including car payments, mortgage payments and credit card bills. Doing so helps you avoid missing a payment and getting hit with those pesky late fees, saving you money in the long run. Just make sure to leave out any of these bills you shouldn’t put on autopay.</p> <p><strong>They spend less than they earn</strong></p> <p>Believe it or not, “self-made millionaires don’t necessarily look like millionaires on the outside,” according to Palmer. Rather than spending money on flashy holidays or new clothes, “they often spend less than they earn so they can put their money into savings and investments,” she says.</p> <p>To maximise your savings like a self-made millionaire would, Palmer recommends taking stock of your personal spending and cutting back on categories that matter less to you. For example, if you enjoy taking a big holiday every year, consider cooking lunches and dinners at home to curb your spending at restaurants. On the flip side, maybe you would rather have a smaller clothing budget and create a capsule wardrobe to free up spending for dining out with your friends.</p> <p><strong>They avoid "want spending"</strong></p> <p>Another way self-made millionaires avoid spending more than they earn? They never fall into the trap of “want spending,” according to Tom Corley, an expert on wealth creation and author of Rich Habits. “According to Census Bureau data, there are approximately 30 million people who make more than they need but who are, nonetheless, one pay away from poverty,” he explains. “These individuals engage in something called want spending.”</p> <p>Are you a “want spender”? Corley’s research found that some of the biggest indicators include:</p> <ul> <li>Surrendering to instant gratification, forgoing savings in order to buy things you want now, be it a 60-inch TV, nice holiday, expensive car or fancy pair of shoes</li> <li>Spending too much going out to eat or ordering in</li> <li>Incurring debt in order to finance your standard of living</li> </ul> <p>Essentially, want spenders create their own poverty by rationalising their desire to spend in various ways, whether it be by planning to make more money in the future or relying on the economy improving down the line. That’s why self-made millionaires shun spending money on their wants and focus more on their needs and savings. That said, if you do want to make a purchase that you didn’t budget for, here are some quick ways to earn extra cash.</p> <p><strong>They're smart spenders </strong></p> <p>Impulse purchases can happen to the best of us. No, you didn’t need the trucker hat at the petrol station on your long, boring road trip. And yes, stuff like that, when made a habit, adds up. To prevent extraneous spending and save more money, Corley suggests a few specific strategies that self-made millionaires followed in his research:</p> <ul> <li>They buy in bulk. “If done properly and with the right items, buying in bulk can save your household money and reduce waste,” he says. Toilet paper, soap, laundry detergent, paper towels and shampoo are items proven much cheaper when bought in larger sizes. Prioritise food items like applesauce, canned goods or yoghurt, which can be portioned into glass jars and saved for future use.</li> <li>They create a meal plan. “If you can sketch out a menu for the week that utilises similar ingredients, you’ll have a more focused trip to the supermarket, and you’ll end up throwing less away weeks after it’s been shoved to the back recesses of the refrigerator,” says Corley. “Making a conscious effort here saves you money, and it keeps food waste out of landfills.” For other smart tricks to save money on groceries, consider following a budget grocery list and learning how to find coupons.</li> <li>They reduce energy costs. “Lowering your energy consumption is low-hanging fruit when it comes to cutting monthly expenses,” he explains. This can be as simple as swapping incandescent bulbs for CFLs or LEDs to lower your utility bill.</li> </ul> <p><strong>They prevent lifestyle creep </strong></p> <p>Whether you tried out a new side hustle idea or learned how to negotiate for a higher salary, you’re now bringing in more money. But be careful! It’s all too tempting to splurge on a bigger house or fancier car as your income grows. “It’s a common habit among many who suddenly find themselves making more money,” Corley says. But self-made millionaires avoid increasing their standard of living in order to match their growing income—a money-burning practice called lifestyle creep.</p> <p>In fact, Corley’s research found that a whopping 64% of self-made millionaires lived in a modest, middle-class home; 44% purchased used cars; 41% spent less than $3000 on their annual holiday; and 28% mowed their own lawn to save money.</p> <p>Here’s why lifestyle creep can hurt you financially: “Once you spend your money, it’s gone,” Corley says. “When you hit a bump in the road, such as a job loss, you are then forced to sell your stuff. If the stuff you purchased depreciated in value, you get pennies on the dollar.”</p> <p>As a good rule of thumb, he recommends spending no more than 25% of your annual net pay on housing costs and 5% on car costs, no matter how much you earn.</p> <p><strong>They don't lend money to friends or family </strong></p> <p>The self-made millionaire knows that your love for your family and friends shouldn’t be measured by your generosity, but sometimes that’s exactly what it comes down to. You’re inevitably left in an awkward bind: If you don’t provide a loan, there can be tension, but if you do, you may never get the funds back and might find yourself resenting your pal. “You will lose both your friend and the money, and you’re not a bank,” advises Bach.</p> <p>Say you do lend them money. Did you come up with an agreement for a timeline for repayments? When it comes to friends or family, setting such boundaries can be difficult, but it’s even more awkward to continuously ask for the money back.</p> <p>If self-made millionaires absolutely must lend money to someone near and dear, they make sure the loan isn’t open-ended. Bach recommends coming up with a timeline and sticking to it. You can also take advantage of companies that specialise in peer-to-peer lending, like Zirtue, which formalises loans between family members and friends.</p> <p><strong>They're frugal, not cheap </strong></p> <p>Although it may seem counterintuitive, buying cheaper products is not a common money-saving habit among self-made millionaires. In fact, Corley’s research found that 66% of poor people admitted to being cheap. “Cheap, to them, meant spending their money on the cheapest product or service available,” he explains. But cheap products break or deteriorate at a much quicker rate than quality products, which means you end up spending more in the long run.</p> <p>He also points out that, when looking for services, those who provide cheap ones are typically inexperienced or not very good at what they do. “If they were good, they would be able to command higher prices. Cheap service providers can get you in a lot of trouble, especially when it comes to taxes, legal representation or even just getting your car fixed. Cheap service providers are able to keep their fees down by paying their staff lower wages. This means they are not getting the best staff or are settling for inexperienced staff.”</p> <p>Being cheap won’t make you poor, but it will mean you save less money because you’re constantly shelling out for new products or services to replace the low-quality ones you bought in the first place. Self-made millionaires focus on buying fewer, higher-quality products that will last a long time.</p> <p><strong>They don't play the comparison game</strong></p> <p>Keeping up with the Joneses is more tempting (and common!) then you might think. According to a recent NerdWallet survey, 83% of Americans say they overspend due to social pressures from seeing others dining at expensive restaurants or taking fancy trips abroad. “It’s easy to get caught up in overspending, especially when you see peers or neighbours spending more than you on cars, houses or vacations,” Palmer says.</p> <p>But when rich people feel green with envy, Palmer says, they put things into perspective—and keep in mind that what they’re seeing may not be the entire picture. “It’s important to take a step back and realise you might not want the same things they have, or they might be creating financial stress for themselves by buying those things,” she says.</p> <p><strong>They pay themselves first </strong></p> <p>By setting aside a portion of their income every day, week or month—in other words, “paying yourself first”—self-made millionaires take one of the most important steps towards building wealth, according to Bach. “You’re going to work 90,000 hours over your lifetime; you should keep at least an hour a day of the income,” he says.</p> <p>He recommends setting aside an hour’s worth of your income each day and then saving and investing it—preferably automatically to begin earning some passive income and reach that high-roller status.</p> <p><strong>They find a passive income source</strong></p> <p>Speaking of passive income, self-made millionaires save even more money by investing their savings in an account that creates passive income through accumulated interest, such as a high-yield savings or investment account. There are several types of accounts to consider, and ultimately, the one you choose will depend on your financial goals.</p> <p>“No strategy is a one-size-fits-all approach, since everyone’s financial situation is unique and different,” Palmer says. She recommends speaking with a financial advisor to learn the right strategy for you and to avoid the most common retirement-planning mistakes.</p> <p><strong>They put away the credit card</strong></p> <p>Credit cards can sabotage even the best of savers, according to Corley. “Credit card use can easily get out of control,” he says. “If you rely on credit cards to pay for ordinary living expenses, that means you are living beyond your means.”</p> <p>Not only are there high interest rates on credit card debt, but paying with plastic could also trick you into spending more money. In a study published in the journal Marketing Letters, MIT researchers found that shoppers spend up to 100% more when paying with a credit card—and were even willing to pay twice as much for an item as those who paid in cash.</p> <p>The 100-day credit card money-saving challenge could help you break bad spending habits, according to Corley. Essentially, the goal is to go 100 days without using your credit cards for purchases. The result? “Having to use cash or your ATM card forces spending awareness and restricts how much you can spend,” Corley says.</p> <p><strong>They design their dreams </strong></p> <p>What do you want your life to look like in five, 10 or 20 years? Self-made millionaires always know their answer to this question, Corley says. He calls this dream-setting or creating a clear vision of your ideal future life. From there, you should set and pursue financial goals that will help you accomplish those dreams. “Dream-setting is a springboard for creating the goals you’ll need in order to help you get to your destination,” he says.</p> <p>For example, if you want to earn a master’s degree so you can get a job with a higher salary, you can set goals like setting aside two hours every day to study for the graduate record exam (GRE). “Goals are the transportation system to your ideal future life,” Corley says. “Once you have a clear vision of your destination, the goals you’ll need to achieve will magically manifest themselves out of thin air.”</p> <p><strong>They invest in themselves </strong></p> <p>There’s no question that saving and investing your money is key to accumulating wealth fast. But according to Corley, the first (and most important!) money-saving habit that self-made millionaires practice is investing in themselves—whether that means reading for at least 30 minutes a day, listening to podcasts during a long commute or seeking out career mentors.</p> <p>Exactly how should you invest in yourself? The self-made millionaires in Corley’s research focused their daily reading on content that was directly related to the dreams and goals they were pursuing.</p> <p><strong>They never give up</strong></p> <p>Maybe it sounds cliche, but it’s the type of mindset that will keep you above water. “No matter what happens, no matter how many times you fail, as long as you get up and try again, you haven’t lost,” says Bach. So commit to the sort of money-saving tricks a self-made millionaire would follow, but give yourself a break if you fall off the wagon. Dust yourself off and recommit to your saving strategies.</p> <p><em>Image credits: Getty Images </em></p> <p><em>This article originally appeared on <a href="https://www.readersdigest.co.nz/food-home-garden/money/15-money-saving-habits-self-made-millionaires-have-in-common?pages=1" target="_blank" rel="noopener">Reader's Digest</a>. </em></p>

Money & Banking

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Olympic hero "fighting for her life" in intensive care

<p>xx<span style="font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen, Ubuntu, Cantarell, 'Open Sans', 'Helvetica Neue', sans-serif;">In the world of gymnastics, few names shine as brightly as that of Mary Lou Retton. The Olympic gold medallist and legendary American gymnast has long been celebrated for her incredible contributions to the sport, etching her legacy into the annals of history. But now, a dark cloud of concern hovers over this American icon, as she battles a rare and relentless adversary: a severe form of pneumonia.</span></p> <p>The shocking news has shaken the hearts of fans and sports enthusiasts worldwide, as the daughter of the 55-year-old Retton shared the news that she is "fighting for her life" in an intensive care unit, unable to breathe on her own for over a week now.</p> <p>McKenna Kelley, Retton's daughter, recently set up a <a href="https://www.spotfund.com/story/a2e0582c-e62f-4e5b-a586-18349014f761" target="_blank" rel="noopener">fundraising account</a> to share her mother's grave situation and the urgency of her need for support. The emotional plea disclosed that Mary Lou Retton was uninsured, leaving the burden of her healthcare costs in the hands of her loved ones and well-wishers.</p> <p>In an emotionally charged post on the fundraising platform, Kelley wrote: "My amazing mom, Mary Lou, has a very rare form of pneumonia and is fighting for her life."</p> <p>While respecting her mother's privacy, Kelley refrained from divulging further details about the nature of the pneumonia that has gripped Retton's life, instead requesting the one thing we can all offer – our prayers.</p> <p>Mary Lou Retton's remarkable gymnastics career needs no introduction. She etched her name into the annals of history during the 1984 Los Angeles Olympics, securing her place as one of the greatest gymnasts in history.</p> <p>At those Summer Games, Retton achieved an astonishing feat by winning five medals, including a groundbreaking gold in the individual all-around competition, a first for any American woman. Her achievements garnered her the title of Sportsperson of the Year by <em>Sports Illustrated</em> in 1984, a testament to her indomitable spirit and unparalleled dedication to her craft.</p> <p>At the time of writing, the fundraising account dedicated to supporting Mary Lou Retton had received an overwhelming outpouring of love and support. With more than 2,000 donors and counting, the campaign has already raised over $US300,000, surpassing its original goal of $US50,000.</p> <p>The outpouring of generosity underscores the enduring impact and admiration that Mary Lou Retton has left in the hearts of many.</p> <p>Beyond the gymnasium, Retton's influence extended into the world of entertainment, appearing in movies and TV shows, including a memorable stint on <em>Baywatch</em> in 1993 and the film Naked<em> Gun 33 ¹/₃: The Final Insult</em> in 1994. She also served on the President's Council on Physical Fitness and Sports during President George W. Bush's administration, underscoring her enduring commitment to promoting physical health and well-being.</p> <p>In recognition of her remarkable contributions to the world of gymnastics, Mary Lou Retton was inducted into the International Gymnastics Hall of Fame in 1997 and became the first woman to be honored by the Houston Sports Hall of Fame in 2020. Her legacy extended to the National Italian-American Sports Hall of Fame, inducted in 1992, and in her hometown of Fairmont, West Virginia, a street and park bear her name, a lasting tribute to her enduring impact.</p> <p><em>Images: Instagram</em></p>

Caring