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Hotel booking sites actually make it hard to get cheap deals, but there’s a way around it

<a href="https://theconversation.com/profiles/peter-martin-682709">Peter Martin</a>, <a href="https://theconversation.com/institutions/crawford-school-of-public-policy-australian-national-university-3292">Crawford School of Public Policy, Australian National University</a> Booking a place to stay on holidays has become a reflex action. The first thing many of us do is open a site such as <a href="https://www.wotif.com/">Wotif</a>, <a href="https://au.hotels.com/?locale=en_AU">Hotels.com</a> or <a href="https://www.trivago.com.au/">trivago</a> (all of which are these days owned by the US firm <a href="https://www.accc.gov.au/media-release/accc-will-not-oppose-expedia%E2%80%99s-proposed-acquisition-of-wotif">Expedia</a>), or their only big competitor, <a href="https://www.booking.com/">Booking.com</a> from the Netherlands. Checking what rooms are available – anywhere – is wonderfully easy, as is booking, at what usually seems to be the lowest available price. But Australia’s Assistant Competition Minister Andrew Leigh is concerned there might be a reason the price seems to be the lowest available. It might be an <a href="https://ministers.treasury.gov.au/ministers/andrew-leigh-2022/media-releases/supporting-tourism-and-accommodation-providers-set-their">agreement not to compete</a>, or the fear of reprisals against hotel owners who offer better prices. <h2>Agreements to not compete</h2> Leigh has asked the treasury to investigate, and if that’s what it finds, it may be the booking sites have the perverse effect of keeping prices high, especially when the substantial fees they charge hotels are taken into account. For now, the treasury is seeking information. It has set a deadline of <a href="https://treasury.gov.au/consultation/c2022-338978">January 6</a> for hotel operators and booking sites to tell it: <ul> <li> the typical fees charged by online booking platforms </li> <li> the details of any agreements not to compete on price </li> <li> whether hotels that try to compete get ranked lower on booking sites. </li> </ul> What’s likely to come out of it is a ban on so-called price-parity clauses that prevent discounting, or a ban on “algorithmic punishment,” whereby hotels that do discount get pushed way down the rankings on the sites. But in the meantime, there are things we can do to get better prices, and they’ll help more broadly, as I’ll explain. <h2>Flight Centre precedent</h2> <figure class="align-right zoomable"></figure> Back in 2018, in a case that went all the way to the High Court, the Australian Competition and Consumer Commission (ACCC) forced <a href="https://www.accc.gov.au/media-release/flight-centre-ordered-to-pay-125-million-in-penalties">Flight Centre</a> to pay a penalty of A$12.5 million for attempting to induce airlines not to undercut it on ticket prices. That the ACCC eventually won the case might be an indication price-parity clauses are already illegal under Australian law. But it’s a difficult law to enforce. This is why the treasury is considering special legislation of the kind in force in France, Austria, Italy and Belgium. The ACCC has known for some time that Expedia and Booking.com have included clauses in their contracts preventing hotels offering the same room for any less than they do, even directly. Rather than take the big two to court, in 2016 the ACCC “reached agreement” with them to delete the clauses that prevented hotels offering better deals <a href="https://www.accc.gov.au/media-release/expedia-and-bookingcom-agree-to-reinvigorate-price-competition-by-amending-contracts-with-australian-hotels">face-to-face</a>. <h2>The concession that conceded little</h2> From then on, hotels were able to offer better deals than the sites over the phone or in person, but not on their own websites. Given we are less and less likely to walk in off the street or even use the phone to book a hotel, it wasn’t much of a concession. Then, in 2019, with the Commission under renewed pressure from hotel owners for another investigation, Expedia (but not Booking.com) reportedly <a href="https://www.smartcompany.com.au/business-advice/competition/expedia-allow-hotels-undercut-prices-online/">waived</a> the rest of the clauses, giving hotel owners the apparent freedom to advertise cheaper prices wherever they liked including on their own sites without fear of retribution. Except several appear to fear retribution, and very few seem to have jumped at the opportunity. <h2>Algorithmic punishment</h2> An Expedia spokesman gave an indication of what might be in store when he was quoted as saying a hotel that undercut Expedia might “find itself ranked <a href="https://www.smartcompany.com.au/business-advice/competition/expedia-allow-hotels-undercut-prices-online/">below its competitors</a>, just as it would if it had worse reviews or fewer high-quality pictures of its property”. Being ranked at the bottom of a site is much the same as not being ranked at all, something Leigh refers to as “algorithmic punishment”. It’s not at all clear the present law prevents it, which is why Leigh is open to the idea of legislating against it. Although you and I may not often think about what hotels are paying to be booked through sites such as Wotif and Booking.com, and although what’s charged to the hotel isn’t publicised, it appeard to be a large chunk of the cost of providing the room. One figure quoted is <a href="https://www.smartcompany.com.au/industries/tourism/online-travel-booking-fed-up-small-businesses-call-accc-action/">20%</a>. Leigh says hotel owners have told him the fees are in the “<a href="https://ministers.treasury.gov.au/ministers/andrew-leigh-2022/transcripts/interview-geraldine-doogue-abc-saturday-extra">double digits</a>”, something he says is quite a lot when you consider the sites don’t need to clean the toilets, change the sheets or help on the front desk. <h2>‘Chokepoint capitalism’</h2> What this seems to mean (the treasury will find out) is almost all bookings are more expensive than they need to be because firms that sit at the “<a href="https://theconversation.com/chokepoint-capitalism-why-well-all-lose-unless-we-stop-amazon-spotify-and-other-platforms-squeezing-cash-from-creators-194069">chokepoint</a>” between buyers and sellers are squeezing sellers. A hotel could always abandon the sites and offer much cheaper prices, but for a while – perhaps forever – it will be much harder to find. In their defence, the operators of the platforms might say they need to get the best offers from hotels in order to make it worthwhile for the operators to invest in their sites, an argument the treasury is inviting them to put. In the meantime, with some hotels reluctant to put their best rates on their websites, but with them perfectly able to offer better rates over the phone, there’s a fairly simple way we can all get a better deal – and help fix the broader problem by weight of numbers. If we look up the best deal wherever we want online, and then phone and ask for a better one (or a better room), we might well find we get it. We might be saving the owner a lot of money. Leigh reckons the more we do ring up, the more the sites might feel pressure to discount their own fees, helping bring prices down even before he starts to think about writing legislation.<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/196460/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/peter-martin-682709">Peter Martin</a>, Visiting Fellow, <a href="https://theconversation.com/institutions/crawford-school-of-public-policy-australian-national-university-3292">Crawford School of Public Policy, Australian National University</a> Image credits: Shutterstock This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/hotel-booking-sites-actually-make-it-hard-to-get-cheap-deals-but-theres-a-way-around-it-196460">original article</a>.

Travel Trouble

Four ways to tell the designer fashion items worth investing in from the ones that aren’t

<a href="https://theconversation.com/profiles/naomi-braithwaite-156824">Naomi Braithwaite</a>, <a href="https://theconversation.com/institutions/nottingham-trent-university-1338">Nottingham Trent University</a> Whether it’s aspiring to the “quiet luxury” or <a href="https://theconversation.com/new-clean-girl-and-old-money-aesthetics-on-tiktok-make-the-same-old-link-between-hygiene-and-class-208566">“old money” looks</a> taking over TikTok, or cringing at the “<a href="https://theconversation.com/far-from-the-ludicrously-capacious-what-the-fashion-of-succession-tells-us-about-the-show-and-about-society-202744">ludicrously capacious bag</a>” scene in the last season of Succession, designer clothes and accessories have been a hot topic in 2023. But with continued sales growth in <a href="https://www.mckinsey.com/industries/retail/our-insights/state-of-fashion">designer fashion</a>, and concerns about shopping more <a href="https://fashionunited.uk/news/retail/consumers-want-to-shop-sustainably-what-are-the-opportunities-for-brands/2022102465829">sustainably</a>, it’s worth considering investing your money in products that will last longer. Sales in luxury fashion have increased significantly since the pandemic. <a href="https://www.just-style.com/features/covid-two-years-on-expert-analysis-of-top-10-global-apparel-companies/?cf-view">Louis Vuitton</a>, for example, has increased its sales from 2019. And British luxury brand, Burberry, reported sales growth to be <a href="https://www.theguardian.com/business/2021/jul/16/burberry-sales-return-to-pre-pandemic-levels-as-younger-shoppers-splash-out">86% higher</a> in the year following the pandemic (though there has been <a href="https://news.sky.com/story/burberry-shares-take-10-hit-on-warning-of-slump-in-luxury-demand-13009401">another dip in sales</a> more recently). The <a href="https://www.limitlessmanufacturinggroup.com/blog/the-rise-of-athleisure-how-activewear-became-mainstream-fashion">rise of athleisure</a> in fashion and designer collaborations such as <a href="https://www.manoloblahnik.com/gb/the-latest/post/manolo-blahnik-for-birkenstock">Manolo Blahnik for Birkenstock</a>, <a href="https://www.gucci.com/uk/en_gb/st/capsule/adidas-gucci">Gucci x Adidas</a> and <a href="https://uk.burberry.com/c/collaborations-supreme-burberry/">Burberry x Supreme</a> have made luxury more available. But prices are still high, so how can you know whether a purchase will stand the test of time and become an investment piece or a fashion flop? Here are four key factors to consider when making a designer purchase. <h2>1. Resale value</h2> An expensive purchase price may not guarantee that your product will hold its value. A key factor to consider is what the resale value of your purchase will be, as this will indicate the item’s investment potential. A fashion investment piece tends to be a luxury product with a higher price ticket. Prices of luxury fashion have increased over the last decade. Chanel bags, for example, have <a href="https://www.forbes.com/sites/walterloeb/2022/02/21/luxury-brand-prices-rise-sharply--will-it-cut-demand/">almost doubled</a> in price. Chanel’s iconic medium flap bag has increased from <a href="https://luxecollectivefashion.com/blogs/communique/your-expert-guide-to-the-chanel-price-increases-2023">£7,550 in 2022 to £8,530 in 2023</a> and is considered to be one of the most covetable designs in the <a href="https://www.whowhatwear.co.uk/best-luxury-handbags-resale-value/slide2">resale market</a>. Similarly, Hermès’ famous Birkin and Kelly bag designs, renowned for their quality, are <a href="https://www.sothebys.com/en/articles/hermes-bag-review-2022-birkin-bag-and-hermes-kelly-bag-remain-most-popular">undoubtedly investment pieces</a>. Despite the high price ticket, <a href="https://www.whowhatwear.co.uk/birkin-bag-prices/slide2">Birkin bags are in demand</a>. They are the most collectable and classic of designer bags, with an average retail price of USD$10,000 (£8,237), <a href="https://www.scmp.com/lifestyle/fashion-beauty/article/3211640/why-hermes-birkin-bag-such-good-investment-according-experts-other-luxury-handbags-might-not-be">which can double in the resale market</a>. Luxury fashion <a href="https://www.pursebop.com/new-app-calculates-the-resale-value-of-designer-handbags/">resaler Vestiaire</a>, along with online marketplaces like eBay, are useful sources for researching and calculating what the value of your purchase will be in the resale market. While designer bags can hold their value post-purchase, <a href="https://www.yourmoney.com/investing/can-clothing-ever-be-considered-an-investment/">clothes can be less straightforward</a> and will depend on the other following factors. <h2>2. Quality and style</h2> A <a href="https://www.voguebusiness.com/fashion/marketing-at-scale-explaining-luxurys-new-brand-identifiers">2023 report</a> has stated that the overt use of logos in recent years, from brands such as <a href="https://www.surefront.com/blog/is-logomania-really-over">Balenciaga and Louis Vuitton</a>, has been replaced by an interest in quiet luxury. Quiet luxury means <a href="https://www.businessinsider.com/quiet-luxury-explained-which-brands-will-benefit-2023-4?r=US&IR=T">more simplistic, classic and timeless styling</a>. The focus on exquisite fabrics and design gives a sense of fashion that is not disposable and durable. A cashmere sweater from <a href="https://uk.loropiana.com/en/c/woman/knitwear">Lorna Piana</a> may cost over £1,700 but its quality and classic styling will ensure it’s an investment piece that transcends fashion trend cycle. Consideration of fabrics, styling and design aesthetic are all key in ensuring your fashion investment has longevity. <h2>3. Brand authenticity</h2> <a href="https://www.researchgate.net/publication/303917660_The_Role_of_Heritage_and_Authenticity_in_the_Value_Creation_of_Fashion_Brand">Heritage and authenticity</a> can secure the value of fashion purchases. Brands that have a strong heritage – that have been around and respected for a long time – are better investment pieces, <a href="https://wwd.com/fashion-news/designer-luxury/luxury-fashion-heritage-chanel-dior1234792018-1234792018/">particularly in the categories of watches, jewellery and handbags</a>. Rolex watches are renowned as investment pieces, with models that are most rare commanding the higher appreciation values. In the realm of clothing, Burberry’s iconic trench coat – which has remained largely untouched in design terms for over 100 years – has been reported to be a good wardrobe investment by <a href="https://www.vogue.co.uk/fashion/article/burberry-trench-coats">Vogue</a>. The trench’s timeless design, alongside its long history, has secured its place as an investment product. However, when it comes to making the purchase it is important to go with <a href="https://www.gentlemansgazette.com/burberry-trench-coat/">Burberry’s original design</a>, rather than the fashion-led versions whose value may diminish as seasonal trends move on. <h2>4. Product endorsement</h2> Celebrity endorsement is a popular brand strategy for increasing the value of fashion products. While it may drive sales, it is important to consider what effect it will have on investment quality. A recent example was when the British pop star <a href="https://www.imdb.com/name/nm4089170/">Harry Styles</a> wore the <a href="https://harpersbazaar.com.au/adidas-gucci-collaboration-collection/">luxe Adidas x Gucci Gazelle trainers</a>, during his 2023 tour, resulting in a <a href="https://www.sneakerfreaker.com/news/harry-styles-gucci-adidas-gazelle-samba-statistics?page=0">reported 100%</a> increase in sales of the trainer. While sneakers have previously had a bouyant <a href="https://www.fashionbeans.com/article/sneaker-reselling-guide/">resale market</a>, that is now <a href="https://www.voguebusiness.com/fashion/has-the-sneaker-bubble-finally-burst">declining</a>, raising questions as to whether they will continue to be positive investment pieces. Celebrities may create hype – but their endorsement does not always ensure the longevity of a product’s value. In 1999, <a href="https://hypebae.com/2018/10/dior-saddle-bag-history-john-galliano">Dior’s saddle bag</a> was featured on US TV series <a href="https://www.hbo.com/sex-and-the-city">Sex and the City</a>, securing its place as an <a href="https://garage.vice.com/en_us/article/mbxjmn/dior-saddle-bag-sex-in-the-city">iconic designer bag</a>. While this increased its value and desirability at the time, the bag eventually faded from view, until 2018, when Maria Grazia Chiuri, Dior’s current design director, relaunched it. This resulted in a frenzy of interest <a href="https://www.harpersbazaar.com/uk/fashion/a42118540/dior-saddle-bag/">in the original Galliano designs</a>. Endorsement creates hype and desirability, but occasionally it can also create a classic too. But this takes time, and it’s best to consider other factors including brand authenticity, quality and style when planning an investment purchase. Also, value does not always have to have a price attributed to it. In the world of designer fashion, it is important not to overlook the significance of the <a href="https://www.theguardian.com/fashion/2023/oct/13/fashion-thats-begging-for-love-designers-want-to-create-meaningful-stuff">emotional durability</a> of our purchases and how that can ensure an enduring value and longevity. <a href="https://theconversation.com/profiles/naomi-braithwaite-156824">Naomi Braithwaite</a>, Associate Professor in Fashion Marketing and Branding, <a href="https://theconversation.com/institutions/nottingham-trent-university-1338">Nottingham Trent University</a> Image credits: Shutterstock This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/four-ways-to-tell-the-designer-fashion-items-worth-investing-in-from-the-ones-that-arent-215831">original article</a>.

Beauty & Style

When a baby is stillborn, grandparents are hit with ‘two lots of grief’. Here’s how we can help

<a href="https://theconversation.com/profiles/jane-lockton-811825">Jane Lockton</a>, <a href="https://theconversation.com/institutions/university-of-adelaide-1119">University of Adelaide</a>; <a href="https://theconversation.com/profiles/clemence-due-100240">Clemence Due</a>, <a href="https://theconversation.com/institutions/university-of-adelaide-1119">University of Adelaide</a>, and <a href="https://theconversation.com/profiles/melissa-oxlad-811406">Melissa Oxlad</a>, <a href="https://theconversation.com/institutions/university-of-adelaide-1119">University of Adelaide</a> <a href="https://www.stillbirthcre.org.au/resources/stillbirth-facts/">Six babies</a> are stillborn every day in Australia. This significant loss <a href="https://www.sciencedirect.com/science/article/pii/S1744165X12001023">affects parents</a> for years to come, often the rest of their lives. However, stillbirth also affects many others, including grandparents. But until now, we have not heard the experiences of grandparents whose grandchildren are stillborn. Their grief was rarely acknowledged and there are few supports tailored to them. Our recently published <a href="https://www.ncbi.nlm.nih.gov/pubmed/31387781">research</a> is the first in the world to specifically look at grandmothers’ experience of stillbirth and the support they need. In Australia, a baby <a href="https://journals.plos.org/plosone/article?id=10.1371/journal.pone.0037109">is defined as</a> stillborn when it dies in the womb from 20 weeks’ gestation, or weighs more than 400 grams. Other countries have slightly different definitions. <a href="https://www.stillbirthcre.org.au/resources/stillbirth-facts/">About 2,200</a> babies are stillborn each year here meaning stillbirth may be more common than many people think. And people <a href="https://www.thelancet.com/journals/lancet/article/PIIS0140-6736(11)60107-4/fulltext">don’t tend to talk</a> about this openly despite it leading to significant grief. To explore grandparents’ experience of stillbirth, we interviewed 14 grandmothers for our initial study, and a further 23 grandmothers and grandfathers since then. Many grandparents were not aware stillbirth was a risk today. Most felt unprepared. Like parents, grandparents experienced grief like no other after their grandchild was stillborn. Rose said: "The grief is always there, it never leaves you […] I don’t know why but sometimes it is still very raw." Sally said: "I [would do] anything in my power to take it away, even if it meant, you know, something dreadful happening to me, I would have done it." Grandparents also spoke of anticipating the arrival of their grandchild, and disbelief at their loss. Donna said: "It was as bad as it could be and […] I thought it just couldn’t be real, it couldn’t be real." Where grandparents lived a long way from their child, the loss was even more profound. Distance prevented them from holding their grandchild after birth, attending memorials, or helping their own children. Iris said: "I still miss her now […] When she was born and they had her in the hospital they would text me and say you know she’s got hair like her daddy […] and they would describe her and how beautiful she was, and that’s all they have, you know […] that’s all I have really." Grandparents said they wanted to hide their grief to protect their child from pain. This often made them isolated. Their relationships with family members often changed. Mary said: "It’s like two lots of grief […] but I don’t want it to sound like it’s as bad as my daughter’s loss. It’s different, it’s a different grief, because you’re grieving the loss of a grandchild, and you’re also grieving for your daughter and her loss and it’s like yeah you’ve been kicked in the guts twice instead of once." <h2>What grandparents wanted</h2> Grandparents stressed the importance and ongoing value of being involved in “memory making” and spending time with their stillborn grandchild where possible. Creating mementos, such as taking photos and making footprints and hand prints, were all important ways of expressing their grief. These mementos kept the baby “alive” in the family. They were also a way to ensure their own child knew the baby was loved and remembered. Our research also identified better ways to support grandparents. Grandparents said that if they knew more about stillbirth, they would be more confident in knowing how to help support their children. And if people were more aware of grandparents’ grief, and acknowledged their loss, this would make it easier for them to get support themselves, and reduce feelings of isolation. Our research also found families can recognise that grandparents grieve too, for both their child and grandchild. Grandparents can be encouraged to seek support from other family and friends. Families could also encourage grandparents to seek support from professionals if needed. In hospitals, midwives can adopt some simple, time efficient strategies, with a big impact on grandparents. With parent consent, midwives could include grandparents in memory making activities. By acknowledging the connection grandparents have to the baby, midwives can validate the grief that they experience. In recognising the supportive role of grandparents, midwives can also provide early guidance about how best to support their child. Hospitals can help by including grandparents in the education provided after stillbirth. This might include guidance about support for their child, or simply providing grandparents with written resources and guiding them to appropriate supports. In time, development of peer support programs, where grandparents support others in similar situations, could help. And, as a community, we can support grandparents the same way they support their own children. We can be there, listen and learn. <hr /> All grandparents’ names in this article are pseudonyms. If this article raises issues for you or someone you know, contact <a href="http://www.sands.org.au">Sands</a> (stillbirth and newborn death support) on 1300 072 637. Sands also has <a href="https://www.sands.org.au/images/sands-creative/brochures/127517-For-Grandparents-Brochure.pdf">written information specifically for grandparents</a> of stillborn babies.<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/122313/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/jane-lockton-811825">Jane Lockton</a>, PhD Candidate (Psychology, Health), <a href="https://theconversation.com/institutions/university-of-adelaide-1119">University of Adelaide</a>; <a href="https://theconversation.com/profiles/clemence-due-100240">Clemence Due</a>, Senior Lecturer in the School of Psychology, <a href="https://theconversation.com/institutions/university-of-adelaide-1119">University of Adelaide</a>, and <a href="https://theconversation.com/profiles/melissa-oxlad-811406">Melissa Oxlad</a>, Lecturer in the School of Psychology, <a href="https://theconversation.com/institutions/university-of-adelaide-1119">University of Adelaide</a> Image credits: Shutterstock This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/when-a-baby-is-stillborn-grandparents-are-hit-with-two-lots-of-grief-heres-how-we-can-help-122313">original article</a>.

Family & Pets

Borrowing money isn’t always a bad thing – debt can be a sensible way to build wealth

<a href="https://theconversation.com/profiles/bomikazi-zeka-680577">Bomikazi Zeka</a>, <a href="https://theconversation.com/institutions/university-of-canberra-865">University of Canberra</a> Debt, in some form or another, is part of our financial profiles whether we like it or not. And it can be a useful way to build wealth if it is managed carefully and wisely. For example, you may borrow money from the bank to buy an asset – a resource of economic value that generates income from its productive use. Investment property is an example. So investing in an income-producing property can be a good idea. If you are already in the property market, the home equity you’ve accumulated – the share of the property value that’s yours – can help you buy a second property. This time, you may not need a deposit as big as the initial investment. In the event that the rental market is booming and your tenants pay you more than what you repay on the loan, municipal rates and property manager fees, then the wealth-building machine will start to run itself. But debt makes many people uncomfortable. In South Africa, a person earning R20,000 a month commits on average <a href="https://businesstech.co.za/news/finance/585372/south-africas-middle-class-is-in-serious-trouble-right-now/">63% of their salary to repaying unsecured debt</a> – such as credit cards, personal loans, overdrafts or “buy now, pay later” facilities. As a general guideline, it’s suggested that <a href="https://www.investopedia.com/terms/d/dti.asp">no more than 40%</a> of your income should be used to service debt. Financial anxiety has its roots in some misconceptions. The main one is that all debt is bad. This isn’t true. Prudent borrowing to buy an asset can help build wealth in the medium to long term. So fears about debt need to be weighed against a broader understanding of wealth accumulation. Well-managed debt can play a role in that process. Here are the four biggest misconceptions about debt. Recognising them will help you develop a more nuanced approach to debt. <h2>The misconceptions</h2> All debt is bad debt. Indeed, debt is a problem when you can no longer manage it and it starts to manage you. One of the simplest ways to tell whether debt is working for you or against you is through “leveraging”. This refers to the use of debt to acquire an asset that is worth more than the value of the debt. It’s also known as positive or favourable leveraging. People who take out unsecured loans are leveraging unfavourably when the debt is driven by consumption. Often there’s nothing to show for what you’ve spent. Unsecured loans also tend to charge higher interest rates to compensate for the lack of collateral. Only financially reckless people are in debt. This is the next misconception. Second to unsecured loans, most South African consumer debt portfolios are taken up by <a href="https://businesstech.co.za/news/wealth/617685/these-income-levels-in-south-africa-owe-the-most-debt/">home loans</a>. The most realistic way to gain entry into the housing market is through a mortgage. You’re doing the right thing if your mortgage is paid off within a reasonable time. This will mean that, in the long term, the value of the property will surpass the home loan amount that was taken out to buy the property in the first place. But there are two misconceptions related specifically to mortgages. After you’ve paid the mortgage deposit, you won’t have other fees to pay. This isn’t correct. Banks charge a fee to open and close a home loan account. There can also be a penalty when a home loan is repaid prematurely. So be sure to read the fine print about discharge fees or closing costs. If you stick to the repayment amount for your mortgage, you’ll be able to repay the loan quickly. This isn’t true – even if interest rates fall and your mortgage repayments decline, your home loan is most likely tied to a loan term of 20 to 30 years. Many banks will quote a monthly mortgage repayment amount that seems affordable at face value but is in fact based on a 20-year term period. Banks are businesses and it works in their favour if you take longer to repay your mortgage because that translates into more interest repayments. The longer the duration of the home loan, the more interest you pay, the more profit they make. If it takes over 20 years to repay a bond, it’s often the case that the value of the interest repayments exceeds the initial loan amount. Home loan calculators are a useful tool that can help you assess how much you could afford to repay on a home loan depending on the deposit saved, if interest rates change and how long it will take you to repay the mortgage with topped-up contributions. It is essential to have a goal for when you’d like to finish paying off your mortgage and a plan in place to achieve this goal. If you don’t do this you could become a mortgage prisoner. <h2>Keeping your eye on the prize</h2> As we’re about to conclude the year and enter the festive season, it’s a good time to remember your financial goals and not let your guard down by unconsciously swiping or tapping that credit card. “Janu-worry” is around the corner, and so is the financial anxiety that comes with it. But it need not be the case. Debt can either be the cure or the cause of your financial position. Reconsider spending patterns that prompt you to use your credit card. Too much debt over short periods is an irregular spending pattern that is a warning sign. There’s no harm in buying what you can afford or staying in your financial lane if the alternative forces you to sacrifice your hard-earned income on servicing consumption-driven debt. For better or worse, debt is a part of our financial portfolios. But the road to financial empowerment is not always easy – financial planning can help you keep your eye on the prize.<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/192630/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/bomikazi-zeka-680577">Bomikazi Zeka</a>, Assistant Professor in Finance and Financial Planning, <a href="https://theconversation.com/institutions/university-of-canberra-865">University of Canberra</a> Image credits: Shutterstock This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/borrowing-money-isnt-always-a-bad-thing-debt-can-be-a-sensible-way-to-build-wealth-192630">original article</a>.

Money & Banking

Olympic legend given just two years to live

British Olympic legend Sir Chris Hoy has announced that his cancer is terminal. In an interview with The Sunday Times, the six-time Olympic cycling champion revealed that doctors have told him he has between two and four years to live. He told the publication that he had initially been diagnosed with cancer in his prostate, which had spread to his bones. Despite the terminal cancer diagnosis, the athlete remained positive and expressed his gratitude for the messages of support he has been receiving since the article's publication on Sunday. "You may see in the news this weekend some articles about my health, so I just wanted to reassure you all that I'm feeling fit, strong and positive," he wrote on Instagram. "Overwhelmed by all the love and support shown to my family and me. Onwards." Fellow Olympic cyclist Sir Mark Cavendish was among the many British sporting stars to send their support. "Hero of a human being," Cavendish wrote on Instagram. Three-time Olympic track medallist, Dame Kelly Holmes, added: "Sending love to you Chris." "Legend," commented Team GB Paralympic cycling medallist Archie Atkinson. Scottish Cycling added: "Sending our love and best wishes to Sir Chris and his family from everyone in the Scottish Cycling community. "As ever, he continues to be an inspiration on and off the track." <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-captioned="" data-instgrm-permalink="https://www.instagram.com/p/DBJEVKhO00z/?utm_source=ig_embed&utm_campaign=loading" data-instgrm-version="14"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"> </div> </div> </div> <div style="padding: 19% 0;"> </div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"> </div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <div style="padding: 12.5% 0;"> </div> <div style="display: flex; flex-direction: row; margin-bottom: 14px; align-items: center;"> <div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(0px) translateY(7px);"> </div> <div style="background-color: #f4f4f4; height: 12.5px; transform: rotate(-45deg) translateX(3px) translateY(1px); width: 12.5px; flex-grow: 0; margin-right: 14px; margin-left: 2px;"> </div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(9px) translateY(-18px);"> </div> </div> <div style="margin-left: 8px;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 20px; width: 20px;"> </div> <div style="width: 0; height: 0; border-top: 2px solid transparent; border-left: 6px solid #f4f4f4; border-bottom: 2px solid transparent; transform: translateX(16px) translateY(-4px) rotate(30deg);"> </div> </div> <div style="margin-left: auto;"> <div style="width: 0px; border-top: 8px solid #F4F4F4; border-right: 8px solid transparent; transform: translateY(16px);"> </div> <div style="background-color: #f4f4f4; flex-grow: 0; height: 12px; width: 16px; transform: translateY(-4px);"> </div> <div style="width: 0; height: 0; border-top: 8px solid #F4F4F4; border-left: 8px solid transparent; transform: translateY(-4px) translateX(8px);"> </div> </div> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center; margin-bottom: 24px;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 224px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 144px;"> </div> </div> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;"><a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none;" href="https://www.instagram.com/p/DBJEVKhO00z/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by Skarper (@skarperofficial)</a> </div> </blockquote> UK Health Secretary Wes Streeting expressed his support and admiration for Hoy's openness during such a difficult moment. "I'm in awe that Chris Hoy is meeting his cancer with the same positivity and resilience that has defined his life and career," Streeting wrote on X. "The whole country will be cheering him on as we have done so many times before and sending him and his family so much love." <blockquote class="twitter-tweet"> Sir Chris Hoy has been an inspiration to us all as a world class sportsman, decorated Olympian & a proud Scot. He’s provided so much joy to millions. He is also incredibly brave. I send my very best wishes to Chris and his family at this difficult time.<a href="https://t.co/aoP5OTKmDb">https://t.co/aoP5OTKmDb</a> — Ian Murray MP (@IanMurrayMP) <a href="https://twitter.com/IanMurrayMP/status/1847910282254758044?ref_src=twsrc%5Etfw">October 20, 2024</a></blockquote> Streeting, a cancer survivor himself, also told the BBC that he was "in awe" of Sir Chris's courage and positivity. "I'm in awe of his courage and positivity in face of a death sentence, which is what his cancer diagnosis is. The whole nation will be cheering him on now as we have done in the past," he said. "He is not the only person in this country today dealing with a terminal diagnosis... what a wonderful message of hope he has sent." Images: Instagram

Caring

5 ways to reduce everyday bills

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

Money & Banking

Why Lisa Marie Presley kept son's body at home for two months after his death

Lisa Marie Presley was so heartbroken by the loss of her only son, Benjamin Keough, at just 27-years-old in 2020, that she kept his body in her home for two months after his death. The star revealed this in her memoir From Here to the Great Unknown, which was finished by her daughter Riley Keough after the 54-year-old’s death in January 2023, according to Page Six. In the book, Lisa Marie opened up about the extent of her grief, saying that she had to force herself to "fight" to stay alive for her remaining children, and one of the ways she coped was not saying goodbye to Benjamin right away. “My house has a separate casitas bedroom and I kept Ben Ben in there for two months. There is no law in the state of California that you have to bury someone immediately,” Lisa Marie wrote. “I found a very empathetic funeral homeowner. I told her that having my dad in the house after he died was incredibly helpful because I could go and spend time with him and talk to him. She said, ‘We’ll bring Ben Ben to you.’” The room was kept at around 12 degrees celsius to preserve his body, and the star continued saying that she felt “fortunate that there was a way that I could still parent him, delay it a bit longer so that I could become okay with laying him to rest.” Another reason why she decided to keep his body was because she wasn't sure whether to bury him in Hawaii or at Graceland, the Memphis estate where Elvis died and is buried. At one point, Riley and Lisa Marie decided to honour Benjamin by getting matching tattoos of his name, which was inscribed in the same place where Benjamin had his tattoos. Riley recalled the odd moment Lisa Marie brought in the tattoo artist into her home. “Lisa Marie Presley had just asked this poor man to look at the body of her dead son, which happened to be right next to us in the casitas. I’ve had an extremely absurd life, but this moment is in the top five," Riley wrote in the memoir. Lisa Marie acknowledged that it was odd, and soon after the tattoo day, they "got the vibe" that Benjamin wanted to be laid to rest. “Even my mum said that she could feel him talking to her, saying ‘This is insane, Mum, what are you doing? What the f**k!” The family held a funeral for Benjamin in Malibu, and he was buried at Graceland alongside Elvis, and now Lisa Marie as well. Image: Copetti/Photofab/ Shutterstock Editorial

Family & Pets

We tend to underestimate our future expenses – here’s one way to prevent that

<div class="theconversation-article-body"><a href="https://theconversation.com/profiles/ray-charles-chuck-howard-1361224">Ray Charles "Chuck" Howard</a>, <a href="https://theconversation.com/institutions/texas-aandm-university-1672">Texas A&M University</a>; <a href="https://theconversation.com/profiles/abigail-sussman-227057">Abigail Sussman</a>, <a href="https://theconversation.com/institutions/university-of-chicago-952">University of Chicago</a>; <a href="https://theconversation.com/profiles/david-j-hardisty-753777">David J. Hardisty</a>, <a href="https://theconversation.com/institutions/university-of-british-columbia-946">University of British Columbia</a>, and <a href="https://theconversation.com/profiles/marcel-lukas-1236384">Marcel Lukas</a>, <a href="https://theconversation.com/institutions/university-of-st-andrews-1280">University of St Andrews</a> <h2>The big idea</h2> When asked to estimate how much money they would spend in the future, people underpredicted the total amount by more than C$400 per month. However, when prompted to think about unexpected spending in addition to typical expenses, people made much more accurate predictions. These are the main findings of a series of <a href="https://doi.org/10.1177%2F00222437211068025">studies and experiments that we conducted</a> and which have just been published in the <a href="https://journals.sagepub.com/home/mrj">Journal of Marketing Research</a>. In our first study, we began by asking 187 members of a Canadian credit union to predict their weekly spending for the next five weeks. Then, at the end of each week, we asked them how much they actually spent. For the first four weeks, people underpredicted their weekly spending by about $100 per week or $400 for the month. In the study’s fifth and final week, we ran an experiment to see if we could improve people’s prediction accuracy. Specifically, we randomly assigned participants to one of two groups. In group one, participants estimated their spending for the next week just as they had done in previous weeks. These folks once again significantly underpredicted their spending. In group two, participants were asked to think of three reasons why their spending for the next week might be different than usual before making their estimate. This led them to make higher and much more accurate predictions – coming within just $7 of what they actually spent. Importantly, participants in each group spent roughly the same amount of money that week, on average. The only difference between the two groups was whether they accurately predicted that amount. <iframe id="WlDv3" class="tc-infographic-datawrapper" style="border: 0;" src="https://datawrapper.dwcdn.net/WlDv3/3/" width="100%" height="400px" frameborder="0" scrolling="no"></iframe> Next, we conducted nine experiments to better understand why people underpredict their spending and whether being prompted to think of unusual expenses helps improve accuracy. In all, over 5,800 people participated in these experiments, including a representative sample of U.S. residents. These experiments revealed two important insights. First, people primarily base their spending predictions on typical expenses like groceries, gasoline and rent. They usually fail to account for irregular – though still common – expenses like car repairs, last-minute concert tickets or one-off health care bills. This is what leads to underprediction. Second, prompting people to think of irregular expenses in addition to typical expenses helps them to make more accurate spending predictions. In our studies, people did not factor in atypical expenses unless we asked them to do so. <h2>Why it matters</h2> Helping people improve the accuracy of their spending predictions could help them improve their financial well-being. Underpredicting expenses can be costly. For example, 12 million Americans <a href="https://www.pewtrusts.org/en/research-and-analysis/reports/2012/07/19/who-borrows-where-they-borrow-and-why">borrow a total of more than $7 billion</a> in payday loans each year because they can’t meet their monthly expenses. These loans typically have extremely high interest rates – <a href="https://www.pewtrusts.org/en/research-and-analysis/data-visualizations/2022/how-well-does-your-state-protect-payday-loan-borrowers">more than 250% in some states</a>. Payday loans also come due in full so quickly that around three in four borrowers <a href="https://www.pewtrusts.org/en/research-and-analysis/reports/2012/07/19/who-borrows-where-they-borrow-and-why">end up borrowing again</a> to pay off the original loan. If consumers could better anticipate how much money they will spend in the future, it might help motivate them to spend less and save more in the present. In fact, one of our studies shows that our suggested prediction strategy <a href="https://doi.org/10.1177/0022243721106802">not only boosted spending estimates</a>, it also increased intentions to save. <h2>What’s next</h2> Members of our research team are currently investigating if, when and why underpredicting one’s expenses may be beneficial. For example, if a person sets an optimistically low budget and actively tracks their spending against it, does that help them reduce their spending? We are also investigating whether people who work in the gig economy show a corresponding tendency to mispredict their future income.<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/189100/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/ray-charles-chuck-howard-1361224">Ray Charles "Chuck" Howard</a>, Assistant Professor of Marketing, <a href="https://theconversation.com/institutions/texas-aandm-university-1672">Texas A&M University</a>; <a href="https://theconversation.com/profiles/abigail-sussman-227057">Abigail Sussman</a>, Professor of Marketing, <a href="https://theconversation.com/institutions/university-of-chicago-952">University of Chicago</a>; <a href="https://theconversation.com/profiles/david-j-hardisty-753777">David J. Hardisty</a>, Assistant Professor of Marketing & Behavioral Science, <a href="https://theconversation.com/institutions/university-of-british-columbia-946">University of British Columbia</a>, and <a href="https://theconversation.com/profiles/marcel-lukas-1236384">Marcel Lukas</a>, Lecturer in Banking and Finance, <a href="https://theconversation.com/institutions/university-of-st-andrews-1280">University of St Andrews</a> Image credits: Shutterstock This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/we-tend-to-underestimate-our-future-expenses-heres-one-way-to-prevent-that-189100">original article</a>. </div>

Money & Banking

The travel hack giving travellers two holidays in one

When it comes to a long-haul flight, a stopover can be exactly what you need to stretch your legs and recharge before the next leg of your journey. But some eager travellers are getting even more out of their stopovers, by booking a few nights in their stopover destination and effectively getting two holidays in one. The “two-for-one holiday” trend is especially popular for those travelling from Australia and New Zealand, as it takes many, many hours to travel from Oceania to Europe, the US, or basically anywhere else in the world. Rather than looking at layovers as a hassle that just prolongs your journey, data shows that travellers are opting to use them as a way to explore new destinations and extend their holidays. According to data from travel search engine <a href="https://www.skyscanner.com.au/">Skyscanner</a>, there has been a notable uptick in bookings for long-haul flights to destinations such as Istanbul, London, Shanghai, and India. When travelling to Europe or the US, many travellers stopover in Asian cities such as Hong Kong, Bangkok in Thailand, Ho Chi Minh City in Vietnam, or Singapore. Alternatively, many stopovers occur in the UAE and Middle East area, with some flights stopping in Abu Dhabi, Dubai, or even Qatar. It’s easy to book your stopover holiday when booking your flights. Just select your original flight to your final destination, but change your second flight to leave the stopover destination a few days later. Skyscanner's travel expert Cyndi Hui told <a href="https://travel.nine.com.au/latest/holiday-hacks-two-in-one-stopover-destination/9e77c117-3a14-49a0-903f-b9847bc92fe0">9Travel</a> of the travel hack: "With Australia being so far from many global hubs, taking the time to enjoy a stopover instead of rushing through airports allows Australians to truly make the most of their travel experiences". "It's a savvy way to make the most of their travel time, turning what used to be just a stopover into a memorable part of the adventure." Image credits: Shutterstock

Travel Tips

Simon Dorante-Day calls for "four-way paternity test" to prove royal lineage

Simon Dorante-Day has called for a "four-way paternity test" to prove his royal lineage, while also casting doubt on if Prince William and Prince Harry are actually sons of the monarch. The Queensland man, who has been claiming to be the secret son of King Charles and Queen Camilla since 2005, has called for an official DNA test to prove his claims in a lengthy Facebook post. Dorante-Day's post highlights a photo comparison of himself, King Charles and William and Harry as evidence supporting his demand for answers from the royal family. “This comparison of William, Myself, Charles, and Harry demonstrates something very clearly, there is no consistency. The fact that the left side of my face identically matches Charles whilst neither William nor Harry’s does, raises the obvious question, just who are Charles’s real sons?” "This is why my wife, Dr. Elvianna, and I believe a 4-way Paternity test is the only way to resolve this issue once and for all. The truth of the game that has been played by the Monarchy, the Government, and the Establishment for 58 years needs to be exposed." "It's not just what happened to me as a child, and what I remember from growing up in England, but it’s also what’s happened since to myself, my wife, and my children in Australia that supports our argument. These covert and illegitimate activities that are targeted towards us constantly are an attempt to stop us on this journey, nothing more. They will not succeed. They will only strengthen our argument and provides us with evidence to demonstrate what has occurred, in a court room, to judges." "My question to all of you is how will you truly react when you hear the truth of what has occurred? Would you still want them on the throne?" Dorante-Day was born in Portsmouth in the UK in 1966, and was adopted at just eight months old. According to his claims, his adoptive mother, who worked for Queen Elizabeth II confessed on her death bed that he was the son of Charles and Camilla. Image credits: Facebook

Family & Pets

Strength training has a range of benefits for women. Here are 4 ways to get into weights

<a href="https://theconversation.com/profiles/erin-kelly-1497598">Erin Kelly</a>, <a href="https://theconversation.com/institutions/university-of-canberra-865">University of Canberra</a> Picture a gym ten years ago: the weights room was largely a male-dominated space, with women mostly doing cardio exercise. Fast-forward to today and you’re likely to see women of all ages and backgrounds confidently navigating weights equipment. This is more than just anecdotal. According to data from the <a href="https://app.powerbi.com/view?r=eyJrIjoiZGU1YWFhZDgtMmRhZi00YTgyLThhMzItYjc2ODk5NTg0MTg1IiwidCI6IjhkMmUwZjRjLTU1ZjItNGNiMS04ZWU3LWRhNWRkM2ZmMzYwMCJ9">Australian Sports Commission</a>, the number of women <a href="https://www.clearinghouseforsport.gov.au/research/ausplay/results#portal">participating in weightlifting</a> (either competitively or not) grew nearly five-fold between 2016 and 2022. Women are discovering what research has long shown: strength training offers benefits beyond sculpted muscles. <h2>Health benefits</h2> <a href="https://www.womenshealth.gov/a-z-topics/osteoporosis">Osteoporosis</a>, a disease in which the bones become weak and brittle, affects more women than men. Strength training increases <a href="https://www.mayoclinic.org/healthy-lifestyle/fitness/in-depth/strength-training/art-20046670">bone density</a>, a crucial factor for <a href="https://bmcmedicine.biomedcentral.com/articles/10.1186/1741-7015-8-47">preventing osteoporosis</a>, especially for women negotiating menopause. Strength training also improves <a href="http://link.springer.com/10.1007/s40279-015-0379-7">insulin sensitivity</a>, which means your body gets better at using insulin to manage blood sugar levels, reducing the risk of type 2 diabetes. Regular strength training contributes to better <a href="https://doi.org/10.1139/apnm-2020-0245">heart health</a> too. There’s a mental health boost as well. Strength training has been linked to reduced symptoms of <a href="https://doi.org/10.1001/jamapsychiatry.2018.0572">depression</a> and <a href="http://link.springer.com/10.1007/s40279-017-0769-0">anxiety</a>. <h2>Improved confidence and body image</h2> Unlike some forms of exercise where progress can feel elusive, strength training offers clear and tangible measures of success. Each time you add more weight to a bar, you are reminded of your ability to meet your goals and <a href="https://www.tandfonline.com/doi/full/10.1080/2159676X.2019.1634127">conquer challenges</a>. This sense of achievement doesn’t just stay in the gym – it can change how women see themselves. A <a href="https://linkinghub.elsevier.com/retrieve/pii/S1755296623000194">recent study</a> found women who regularly lift weights often feel more empowered to make positive changes in their lives and feel ready to face life’s challenges outside the gym. Strength training also has the potential to positively impact <a href="https://journals.lww.com/nsca-jscr/abstract/2002/11000/Relations_of_Strength_Training_to_Body_Image_Among.25.aspx">body image</a>. In a world where women are often judged on appearance, lifting weights can shift the focus <a href="http://journals.sagepub.com/doi/10.1177/0193732502238256">to function</a>. Instead of worrying about the number on the scale or fitting into a certain dress size, women often come to appreciate their bodies for what they can do. “Am I lifting more than I could last month?” and “can I carry all my groceries in a single trip?” may become new measures of physical success. Lifting weights can also be about challenging outdated ideas of how women “should” be. Qualitative <a href="https://journals.humankinetics.com/view/journals/wspaj/aop/article-10.1123-wspaj.2022-0088/article-10.1123-wspaj.2022-0088.xml">research</a> I conducted with colleagues found that, for many women, strength training becomes a powerful form of rebellion against unrealistic beauty standards. As one participant told us: <blockquote> I wanted something that would allow me to train that just didn’t have anything to do with how I looked. </blockquote> Society has long told women to be small, quiet and not take up space. But when a woman steps up to a barbell, she’s pushing back against these outdated rules. One woman in our study said: <blockquote> We don’t have to […] look a certain way, or […] be scared that we can lift heavier weights than some men. Why should we? </blockquote> This shift in mindset helps women see themselves differently. Instead of worrying about being objects for others to look at, they begin to see their bodies as capable and strong. Another participant explained: <blockquote> Powerlifting changed my life. It made me see myself, or my body. My body wasn’t my value, it was the vehicle that I was in to execute whatever it was that I was executing in life. </blockquote> This newfound confidence often spills over into other areas of life. As one woman said: <blockquote> I love being a strong woman. It’s like going against the grain, and it empowers me. When I’m physically strong, everything in the world seems lighter. </blockquote> <h2>Feeling inspired? Here’s how to get started</h2> 1. Take things slow Begin with bodyweight exercises like squats, lunges and push-ups to build a foundation of strength. Once you’re comfortable, add external weights, but keep them light at first. Focus on mastering <a href="https://theconversation.com/what-are-compound-exercises-and-why-are-they-good-for-you-228385">compound movements</a>, such as deadlifts, squats and overhead presses. These exercises engage multiple joints and muscle groups simultaneously, making your workouts more efficient. 2. Prioritise proper form Always prioritise proper form over lifting heavier weights. Poor technique can lead to injuries, so learning the correct way to perform each exercise is crucial. To help with this, consider working with an exercise professional who can provide personalised guidance and ensure you’re performing exercises correctly, at least initially. 3. Consistency is key Like any fitness regimen, consistency is key. Two to three sessions a week are plenty for most women to see benefits. And don’t be afraid to occupy space in the weights room – remember you belong there just as much as anyone else. 4. Find a community Finally, join a community. There’s nothing like being surrounded by a group of strong women to inspire and motivate you. Engaging with a supportive community can make your strength-training journey more enjoyable and rewarding, whether it’s an in-person class or an online forum. <h2>Are there any downsides?</h2> Gym memberships can be expensive, especially for specialist weightlifting gyms. Home equipment is an option, but quality barbells and weightlifting equipment can come with a hefty price tag. Also, for women juggling work and family responsibilities, finding time to get to the gym two to three times per week can be challenging. If you’re concerned about getting too “bulky”, it’s very difficult for <a href="https://journals.sagepub.com/doi/epub/10.1177/0031512520967610">women</a> to bulk up like male bodybuilders without pharmaceutical assistance. The main risks come from poor technique or trying to lift too much too soon – issues that can be easily avoided with some guidance.<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/221307/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/erin-kelly-1497598">Erin Kelly</a>, Lecturer and PhD Candidate, Discipline of Sport and Exercise Science, <a href="https://theconversation.com/institutions/university-of-canberra-865">University of Canberra</a> Image credits: Shutterstock This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/strength-training-has-a-range-of-benefits-for-women-here-are-4-ways-to-get-into-weights-221307">original article</a>.

Body

4 ways to cut down on meat when dining out – and still make healthy choices

.<a href="https://theconversation.com/profiles/laura-marchese-1271636">Laura Marchese</a>, <a href="https://theconversation.com/institutions/deakin-university-757">Deakin University</a> and <a href="https://theconversation.com/profiles/katherine-livingstone-324808">Katherine Livingstone</a>, <a href="https://theconversation.com/institutions/deakin-university-757">Deakin University</a> Many of us are looking for ways to eat a healthier and more <a href="https://theconversation.com/how-sustainable-is-your-weekly-grocery-shop-these-small-changes-can-have-big-benefits-234367">sustainable diet</a>. And one way to do this is by reducing the amount of meat we eat. That doesn’t mean you need to become a <a href="https://theconversation.com/why-you-should-eat-a-plant-based-diet-but-that-doesnt-mean-being-a-vegetarian-78470">vegan or vegetarian</a>. Our <a href="https://jn.nutrition.org/article/S0022-3166(24)00333-X/fulltext">recent research</a> shows even small changes to cut down on meat consumption could help improve health and wellbeing. But not all plant-based options are created equal and some are <a href="https://pubmed.ncbi.nlm.nih.gov/30744710/">ultra-processed</a>. Navigating what’s available when eating out – including options like tofu and fake meats – can be a challenge. So what are your best options at a cafe or restaurant? Here are some guiding principles to keep in mind when cutting down on meat. <h2>Health benefits to cutting down</h2> Small amounts of lean meat can be part of a healthy, balanced diet. But the majority of Australians <a href="https://cancer.org.au/about-us/policy-and-advocacy/prevention/obesity/related-resources/meat-and-cancer#consumption">still eat more meat</a> than recommended. Only a small percentage of Australians (10%) are vegetarian or vegan. But an <a href="https://www.foodfrontier.org/wp-content/uploads/2019/10/Food-Frontier-Hungry-For-Plant-Based-Australian-Consumer-Insights.pdf">increasing</a> number opt for a <a href="https://theconversation.com/love-meat-too-much-to-be-vegetarian-go-flexitarian-73741">flexitarian</a> diet. <a href="https://theconversation.com/whats-the-difference-between-vegan-and-vegetarian-225275">Flexitarians</a> eat a diet rich in fruits and vegetables, while still enjoying small amounts of meat, dairy, eggs and fish. Our <a href="https://jn.nutrition.org/article/S0022-3166(24)00333-X/fulltext">recent research</a> looked at whether the average Australian diet would improve if we swapped meat and dairy for plant-based alternatives, and the results were promising. The study found health benefits when people halved the amount of meat and dairy they ate and replaced them with healthy plant-based foods, like tofu or <a href="https://www.heartfoundation.org.au/blog/why-you-need-legumes-in-your-life">legumes</a>. On average, their dietary fibre intake – which helps with feeling fuller for longer and digestive health – went up. Saturated fats – which increase our blood cholesterol levels, a risk factor for heart disease – went down. Including more fibre and less saturated fat helps reduce the risk of <a href="https://www.heartfoundation.org.au/healthy-living/healthy-eating/healthy-eating-to-protect-your-heart">heart disease</a>. Achieving these health benefits may be as simple as swapping ham for baked beans in a toastie for lunch, or substituting half of the mince in your bolognese for lentils at dinner. <h2>How it’s made matters</h2> For a long time we’ve known processed meats – such as ham, bacon and sausages – are bad for your health. Eating high amounts of these foods is associated with poor <a href="https://www.heartfoundation.org.au/healthy-living/healthy-eating/protein-and-heart-health">heart health</a> and some forms of <a href="https://cancer.org.au/cancer-information/causes-and-prevention/diet-and-exercise/meat-and-cancer-risk">cancer</a>. But the same can be true of many processed meat alternatives. Plant-based alternatives designed to mimic meat, such as sausages and burgers, have become readily available in supermarkets, cafes and restaurants. These products are ultra-processed and can be <a href="https://theconversation.com/we-looked-at-700-plant-based-foods-to-see-how-healthy-they-really-are-heres-what-we-found-222991">high in salt and saturated fat</a>. Our study found when people replaced meat and dairy with ultra-processed meat alternatives – such as plant-based burgers or sausages – they ate more salt and less calcium, compared to eating meat or healthy plant-based options. So if you’re cutting down on meat for health reasons, it’s important to think about what you’re replacing it with. The <a href="https://www.eatforhealth.gov.au/sites/default/files/2022-09/n55g_adult_brochure.pdf">Australian Dietary Guidelines</a> recommend eggs, legumes/beans, tofu, nuts and seeds. Tofu can be a great option. But we recommend flavouring plain tofu with herbs and spices yourself, as pre-marinated products are often ultra-processed and can be high in salt. <h2>What about when dining out?</h2> When you’re making your own food, it’s easier to adapt recipes or reduce the amount of meat. But when faced with a menu, it can be difficult to work out what is the best option. Here are our four ways to make healthy choices when you eat out: 1. Fill half your plate with vegetables When cutting down on meat, aim for half your plate to be vegetables. Try to also eat <a href="https://theconversation.com/were-told-to-eat-a-rainbow-of-fruit-and-vegetables-heres-what-each-colour-does-in-our-body-191337">a variety of colours</a>, such as leafy green spinach, red capsicum and pumpkin. When you’re out, this might look like choosing a vegetable-based entree, a stir-fry or ordering a side salad to have with your meal. 2. Avoid the deep fryer The Australian Dietary Guidelines <a href="https://www.eatforhealth.gov.au/sites/default/files/files/the_guidelines/n55a_australian_dietary_guidelines_summary_130530.pdf">recommend limiting</a> deep fried foods to once a week or less. When dining out, choose plant-based options that are sautéed, grilled, baked, steamed, boiled or poached – instead of those that are crumbed or battered before deep frying. This could mean choosing vegetarian dumplings that are steamed not fried, or poached eggs at brunch instead of fried. Ordering a side of roast vegetables instead of hot chips is also a great option. 3. Pick wholegrains Scan the menu for wholegrain options such as brown rice, wholemeal pizza or pasta, barley, quinoa or wholemeal burger buns. Not only are they good sources of protein, but they also provide more <a href="https://www.eatforhealth.gov.au/food-essentials/five-food-groups/grain-cereal-foods-mostly-wholegrain-and-or-high-cereal-fibre">dietary fibre</a> than refined grains, which help keep you fuller for longer. 4. If you do pick meat – choose less processed kinds You may not always want, or be able, to make a vegetarian choice when eating out and with other people. If you do opt for meat, it’s better to steer clear of processed options like bacon or sausages. If sharing dishes with other people, you could try adding unprocessed plant-based options into the mix. For example, a curry with lentils or chickpeas, or a vegetable-based pizza instead of one with ham or salami. If that’s not an option, try choose meat that’s a lean cut, such as chicken breast, or options which are grilled rather than fried.<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/236505/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/laura-marchese-1271636">Laura Marchese</a>, PhD candidate at the Institute for Physical Activity and Nutrition, <a href="https://theconversation.com/institutions/deakin-university-757">Deakin University</a> and <a href="https://theconversation.com/profiles/katherine-livingstone-324808">Katherine Livingstone</a>, NHMRC Emerging Leadership Fellow and Senior Research Fellow at the Institute for Physical Activity and Nutrition, <a href="https://theconversation.com/institutions/deakin-university-757">Deakin University</a> Image credits: Shutterstock This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/4-ways-to-cut-down-on-meat-when-dining-out-and-still-make-healthy-choices-236505">original article</a>.

Food & Wine

Woman “bullied” on plane over budget seating trick

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

Travel Trouble

Holiday protesters are missing the big picture – there are ways to make tourism work for everyone

<div class="theconversation-article-body"><a href="https://theconversation.com/profiles/brendan-canavan-228682">Brendan Canavan</a>, <a href="https://theconversation.com/institutions/university-of-nottingham-1192">University of Nottingham</a> As tourists sip their drinks at sunny pavement cafes this summer, they may feel slight unease that perhaps their presence isn’t entirely welcome. This season has seen a <a href="https://www.bbc.co.uk/news/videos/c0dm9w2ey7po">renewed wave of major protests</a> against tourists for pushing out residents and homogenising culture in popular destinations. Anti-tourist placards and gatherings have appeared in <a href="https://www.portugalresident.com/sintra-residents-finally-say-enough-to-mass-tourism-traffic-chaos/">Portugal</a>, <a href="https://uk.news.yahoo.com/greek-city-begs-no-more-095204268.html">Athens</a>, <a href="https://edition.cnn.com/2024/07/22/travel/mass-protest-on-spanish-island-mallorca-calls-for-limits-on-tourism/index.html">Mallorca</a> and <a href="https://www.reuters.com/world/europe/thousands-protest-spains-canary-islands-over-mass-tourism-2024-04-20/">Tenerife</a>. Tourists have even been sprayed with <a href="https://www.nbcnews.com/business/travel/barcelona-protesters-throw-items-spray-travelers-water-shouting-touris-rcna160883">water pistols</a> by angry inhabitants of Barcelona. Anti-tourism protests are <a href="https://www.theguardian.com/travel/2017/aug/10/anti-tourism-marches-spread-across-europe-venice-barcelona">not new</a>, and they do not always share the same <a href="https://www.emerald.com/insight/content/doi/10.1108/IJTC-09-2022-0211/full/html#sec014">motivations</a>. But one <a href="https://www.emerald.com/insight/content/doi/10.1108/IJTC-09-2022-0211/full/html#sec014">common grievance</a> is that local economies are not improved by tourism, while the social costs of hosting mount. But are these anti-tourism sentiments justified? Tourism contributes around <a href="https://journals.sagepub.com/doi/10.1177/00472875211028322">5% of EU economic activity</a>, supporting jobs and businesses both directly and indirectly. Without tourism many places would be economically poorer. But protesters in <a href="https://news.sky.com/story/your-paradise-our-nightmare-thousands-attend-anti-tourism-protest-in-majorca-13183160">Mallorca</a> have argued that tourists take up space on beaches, put a strain on public services and drive the cost of housing above a level that residents can afford. The economic pros and cons of tourism suggest the protesters have a point. But they are also missing the bigger picture. An estimated <a href="https://studytravel.network/magazine/news/0/30772#:%7E:text=Globally%2C%20there%20were%201.3%20billion,data%20quoted%20in%20the%20report.">1.3 billion</a> international tourist trips took place in 2023. These tourists spent over <a href="https://x.com/UNWTO/status/1796821487971905590">US$1.5 trillion</a> (£1.2 trillion) on their trips. For comparison, that is roughly the size of the Spanish economy. If tourism were a nation, it would be a <a href="https://en.wikipedia.org/wiki/List_of_countries_by_GDP_(nominal)">G20 member</a>. What’s more, because international travellers earn money in their home country and spend it in another, international tourism is counted as an export. In 2022 international tourists spent almost <a href="https://www.oecd-ilibrary.org/urban-rural-and-regional-development/data/oecd-tourism-statistics/receipts-and-expenditure_c4170878-en?parentId=http%3A%2F%2Finstance.metastore.ingenta.com%2Fcontent%2Fcollection%2F2b45a380-en">€370 billion</a> (£312 billion) in the 27 EU countries, for example. This export income helps to balance the cost of imports and pay for things such as food and fuel not available locally. Nonetheless, there remains a concern that such economic inputs come at too high a cost. In January the then head of Florence’s Galleria dell’Accademia controversially criticised how the city had <a href="https://edition.cnn.com/2024/01/30/travel/italy-florence-prostitute-tourism-intl-scli/index.html">sold its soul</a> to tourists. But <a href="https://journals.sagepub.com/doi/pdf/10.1177/00472875231203395">tourism revenues</a> help provide foreign exchange earnings, create jobs, encourage infrastructure investments and boost tax revenues. In turn these inputs promote economic development and increase welfare, as well as reduce <a href="https://drive.google.com/file/d/1ImtQ9YQS7UrYJ_PItcgeFhFUidcxTwkC/view">income inequality</a>. Globally, the tourism industry is a significant source of employment. In 2019, prior to the pandemic, travel and tourism accounted for <a href="https://wttc.org/research/economic-impact">10.5%</a> of all jobs. In some <a href="https://www.weforum.org/agenda/2020/08/destinations-rely-most-on-tourism-travel/">Caribbean islands</a> more than 90% of all jobs are in the tourism sector. Crossover benefits of hosting tourists are felt in other industries too. <a href="https://journals.sagepub.com/doi/pdf/10.1177/00472875231203395">Food and drink</a> producers sell their products to tourists, for example, and <a href="https://www.mdpi.com/2071-1050/13/13/7164">farmers</a> can diversify their incomes by offering tourist experiences such as wine-tasting tours. Tourism generates a large amount of economic activity, therefore. But research shows that the income that remains in a destination is often limited by <a href="https://www.researchgate.net/profile/Cristina-Joensson/publication/293487803_Economic_leakages_in_tourism/links/56b8f33608ae3b658a88b7a4/Economic-leakages-in-tourism.pdf">leakage rates</a>. There are estimates that for every US$1 million spent by tourists in the Seychelles, <a href="https://www.sciencedirect.com/science/article/pii/S0160738315000468?casa_token=-hjGHa9NHPMAAAAA:irVmwVrFbZvnTNzDPKcE90_dK4mwuwVBIkO4_nPs34IdGM12w9i4r8GCR_1K_0IIrJznxx2b">less than half</a> of this stays in the local economy. This income can <a href="https://onlinelibrary.wiley.com/doi/abs/10.1111/j.1470-6431.2007.00606.x?casa_token=bentpmB1dE8AAAAA%3A72smahI3xNJB2Y7_PDj-lcZG6nmW7fqPgOv59G4Dr-DBfzWfxjtxRU9qytrdpOWmaLom6oe6dM_U0oA">leak out</a> from the destination because of imports such as food and fuel that are not available locally. Leakage also occurs when tourist facilities are foreign owned. <figure><iframe src="https://www.youtube.com/embed/S-p-YGNXEnY?wmode=transparent&start=0" width="440" height="260" frameborder="0" allowfullscreen="allowfullscreen"></iframe></figure> There are undoubtedly <a href="https://www.euronews.com/travel/2024/07/08/fake-signs-and-hunger-strikes-whats-behind-europes-backlash-against-overtourism">downsides</a> to tourism development. The influx of people into popular destinations can add to issues of crowding in public services and shared spaces. Tourism is also often accused of causing urgent economic problems, such as forcing up the cost of housing for locals. But these are often driven by more complex and alternative factors. Research in <a href="https://journals.sagepub.com/doi/pdf/10.1177/0042098020970865">London</a>, a city facing an extreme problem of supply scarcity and growing numbers of <a href="https://theconversation.com/surging-property-prices-when-will-europes-cities-become-affordable-again-230256">“generation rent”</a>, found that Airbnb plays a relatively insignificant part in increasing housing costs. A study in <a href="https://www.tandfonline.com/doi/pdf/10.1080/13683500.2019.1711027?casa_token=YYKyikeJrXYAAAAA:ktQVCuNoseTdiAC89hl98rdclxE7I68CqkYW6xHUFkzH_TLfabdFOuNfKDQiiIzkOdag7cuQTrho">South Carolina</a> in the US meanwhile showed that short-term holiday rentals can boost hospitality micro-entrepreneurs and help residents to maximise the economic potential of their homes by renting out spare rooms. <h2>What can tourists do?</h2> Ultimately, what unites many anti-tourism protesters is a <a href="https://www.bbc.com/travel/article/20240522-the-worlds-revolt-against-bad-tourists">demand for respect</a>. Indeed, <a href="https://www.tandfonline.com/doi/pdf/10.1080/10941665.2020.1768129?casa_token=4DR7vsQpGtcAAAAA:0QIzenTi9LAaVNH8w0JkT46D5_okuotUR5C-wP2NyxxT5bC0UiG2gMBfLHt5G3rveVre7gu8kEIB">research</a> has shown that over-tourism is not merely an issue of overcrowding, but a long-term issue resulting from inappropriate treatment of residents in the process of tourism development. Tourists can demonstrate that they respect hosts and help to alleviate anti-tourism feelings by finding ways to ensure their holiday is as economically beneficial to the destination as possible. <ul> <li> Spending money at smaller-scale and locally owned businesses puts more money into the local economy. Large multinationals can out-compete local businesses and worsen <a href="https://drive.google.com/file/d/1ImtQ9YQS7UrYJ_PItcgeFhFUidcxTwkC/view">economic inequality</a>. <a href="https://journals.sagepub.com/doi/pdf/10.1177/1354816616654244?casa_token=YQU0aoDhdP8AAAAA:bX_7TEc0S4zhkl2eduKZqitorJKlbRMMSnaJAZJBPCm8bAk-uQMI518KvZX09oI0iLs13NULXYoX">Foreign-owned businesses</a> typically increase leakage rates as they send profits back to their headquarters. </li> <li> Choosing more sustainable operators, services and destinations tends to bring economic positives. In <a href="https://journals.sagepub.com/doi/abs/10.1177/1354816616664249?casa_token=vr7pQyvIVAgAAAAA%3ATLHqmXTyGeHpmL8j9K2cNjb4doB4w_0CNH0IspadKHEPSt5PsFLWVngRQsj81tvE3vIJMpPWGm31&journalCode=teua">Mauritius</a>, for instance, the government has invested in sustainable tourism planning, enhancing economic growth and bringing benefits for residents. </li> <li> Visiting places that are less typically touristic spreads economic advantages around. In Scotland, nature tourism supports around <a href="https://www.nature.scot/professional-advice/social-and-economic-benefits-nature/tourism">39,000 full-time jobs</a>. </li> </ul> It can be easy to scapegoat tourists and tourism for deeper-seated economic problems. Tourists are a highly visible, and frequently very annoying, presence. But without them destinations would be poorer, while persistent economic problems would likely remain. Challenging governments, policy-makers, corporations or institutions might be a better use of protesters’ energy.<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/235614/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/brendan-canavan-228682">Brendan Canavan</a>, Senior Lecturer in Marketing, <a href="https://theconversation.com/institutions/university-of-nottingham-1192">University of Nottingham</a> Image credits: Shutterstock This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/holiday-protesters-are-missing-the-big-picture-there-are-ways-to-make-tourism-work-for-everyone-235614">original article</a>. </div>

Travel Trouble

“Miracle”: 1-year-old baby survives two days beside highway during hurricane

A one-year-old baby has been found alive on the side of a highway after surviving two days of dangerous hurricane conditions between the Texas and Louisiana border in the US. A truck driver spotted the one-year-old on a major highway, just a few kilometres where the boy's four-year-old brother was tragically found dead in a lake. The one-year-old had to survive stormy weather as Hurricane Beryl inundated the area with heavy rain and high winds, but was relatively unscathed when he was found. The truck driver recalled the moment he found the child to local news station KPLC, saying, "There was a little boy sitting down in the embankment there." "As I approached him, he smiled at me and then he started crying and walked toward me. Once he walked toward me, I grabbed his hand and he stopped crying at that point." Calcasieu Parish Sheriff Gary “Stitch” Guillory said the baby had a few insect bites, but otherwise seemed well. “This kid spent two days out in the weather on the side of the highway,” Guillory said while becoming emotional. “Thank God that trucker seen him. When you look at the video, here he was, you know, crawling toward the highway." “We look at this one-year-old as our miracle baby because he was still alive.” The children’s mother, 25-year-old Aaliyah Jack of Lake Charles, has been charged with failing to report a missing child, while the child's grandmother is fighting for custody of the infant. Image credits: News15

Caring

Two young fundraising heroes treated to private party at Buckingham Palace

Two fundraising heroes have been treated to a private tea party, hosted by Queen Camilla herself, after being forced to miss previous royal events. Tony Hudgell, nine, and Lyla O’Donovan, 11, were due to attend a garden party in May, but Hudgell got stuck in a major traffic jam, while Lyla was undergoing treatment for cancer. Tony — whose legs were amputated after horrific child abuse - was devastated to miss the royal event, as his adoptive mother Paula shared on X (formerly Twitter) how they spent two hours stuck behind a fire truck on a major highway. However, a response on the Royal Family indicated all was not lost, as they replied, “Sorry to hear this, Tony! We were looking forward to seeing you too. Fancy trying again another day? Leave it with us.” Two months on, the two youngsters arrived at Buckingham Palace for the rescheduled treat last week and were given a front-row spot to watch the Changing of the Guard. The two children and their families then enjoyed a private tea party with Queen Camilla, 76, in the palace garden’s Summer House. <blockquote class="twitter-tweet"> 🫖 🍰 When Tony and Lyla came to tea … <a href="https://t.co/LTfLrPDjT7">pic.twitter.com/LTfLrPDjT7</a> — The Royal Family (@RoyalFamily) <a href="https://twitter.com/RoyalFamily/status/1807667556120969625?ref_src=twsrc%5Etfw">July 1, 2024</a></blockquote> The Queen then presented Tony with his British Empire Medal after his nomination in the 2024 New Year’s Honours. Tony, who lost his legs as a baby due to his parents’ cruelty, inspired the nation after doing a 10km walk, raising $2.4 million at age five. Paula said, “We were all extremely honoured and grateful to be invited for afternoon tea with the Queen. Everyone was so kind and thoughtful and made us feel comfortable and relaxed." “Tony chatted to the Queen as if they were old friends. She was lovely with him. “An exceptionally proud moment was when the Queen gave Tony his BEM. It was one of the most memorable days we’ll ever have.” Lyla has raised funds to grant wishes to children affected by cancer or lifelong illness. She said of the event, “Everyone made us feel so comfortable and made me feel super-special. We’re so grateful.” Dad Paul said, “It was an amazing moment for us. Lyla was gutted about missing the original Garden Party but she said she’s glad she missed it now as she’s got to meet the Queen." “There’s no one more important than her, apart from the King, of course.” Image credits: Buckingham Palace/WPA Pool/Shutterstock Editorial

International Travel

Julian Assange has been in the headlines for almost two decades. Here’s why he’s such a significant public figure

<div class="theconversation-article-body"><a href="https://theconversation.com/profiles/matthew-ricketson-3616">Matthew Ricketson</a>, <a href="https://theconversation.com/institutions/deakin-university-757">Deakin University</a> “The price of freedom is eternal vigilance” is a famous quotation usually attributed to Thomas Jefferson, a founder of US democracy. For Julian Assange, the price of freedom has been five years in jail while he fought extradition to the United States to face charges no democracy worthy of the name should ever have brought. It is profoundly heartening news to see Assange’s release from London’s Belmarsh prison and flight home to Australia via a US territory in the western pacific. He’ll face a hearing and sentencing <a href="https://theconversation.com/julian-assange-plea-deal-what-does-it-mean-for-the-wikileaks-founder-and-what-happens-now-233207">this morning</a> in Saipan in the Northern Mariana Islands, to formalise a plea deal with the US government. It is profoundly disheartening, though, to see the lengths to which a nation state has gone to punish a publisher who released documents and videos that revealed US troops allegedly committing war crimes in the Iraq war two decades ago. Assange has been a controversial international figure for so many years now it’s easy to lose sight of what he has done, why he attracted such fiercely polarised views, and what his incarceration means for journalism and democracy. <h2>What did he do?</h2> Assange, an Australian national, came to prominence in the 2000s for setting up <a href="https://wikileaks.org/">WikiLeaks</a>, a website that published leaked government, military and intelligence documents disclosing a range of <a href="https://www.bbc.com/news/technology-47907890">scandals</a> in various countries. Most of the documents were released in full. For Assange, this fulfilled his aim of radical transparency. For critics, it led to the release of documents that could <a href="https://www.aljazeera.com/news/2011/9/3/wikileaks-criticised-over-uncensored-cables">endanger the lives</a> of intelligence sources. This remains a point of contention. Some have asserted Assange’s attitude toward those named in leaked documents was cavalier and that the publication of some documents was <a href="https://apnews.com/article/b70da83fd111496dbdf015acbb7987fb">simply unnecessary</a>. But critics, especially those in the US military, have been unable to point to <a href="https://theconversation.com/a-new-book-argues-julian-assange-is-being-tortured-will-our-new-pm-do-anything-about-it-183622">specific instances</a> in which the release of documents has led to a person’s death. In 2010, Joe Biden, the then vice-president, <a href="https://www.nbcnews.com/id/wbna40702904">acknowledged</a> WikiLeaks’ publications had caused “no substantive damage”. Then US Defense Secretary Robert Gates <a href="https://www.npr.org/2019/04/12/712659290/how-much-did-wikileaks-damage-u-s-national-security">said</a> at the time countries dealt with the US because it was in their best interests, “not because they believe we can keep secrets”. The key to WikiLeaks’ success was that Assange and his colleagues found a way to <a href="https://www.bbc.com/news/technology-11026659">encrypt the documents</a> and make them untraceable, to protect whistleblower sources from official retribution. It was a strategy later <a href="https://www.theguardian.com/technology/2014/jun/05/guardian-launches-securedrop-whistleblowers-documents">copied</a> by mainstream media organisations. WikiLeaks became famous around the globe in April 2010 when it released hundreds of thousands of <a href="https://www.bbc.com/news/technology-47907890">documents</a> in tranches known as the Afghan war logs, the Iraq war logs and Cablegate. They revealed numerous alleged war crimes and provided the raw material for a shadow history of the disastrous wars waged by the Americans and their allies, including Australia, in Afghanistan and Iraq following the September 11 2001 terrorist attacks. Documents are one thing, video another. Assange released <a href="https://upload.wikimedia.org/wikipedia/commons/transcoded/6/61/CollateralMurder.ogv/CollateralMurder.ogv.360p.vp9.webm">a video</a> called “Collateral Murder”. It showed US soldiers in a helicopter shooting and killing Iraqi civilians and two Reuters journalists in 2007. Apart from how the soldiers in the video speak – “Hahaha, I hit them”, “Nice”, “Good shot” – it looks like most of the victims are civilians and the journalists’ cameras are mistaken for rifles. When one of the wounded men tries to crawl to safety, the helicopter crew, instead of allowing their US comrades on the ground to take him prisoner as required by <a href="https://www.icrc.org/en/rules-of-war">the rules of war</a>, seeks permission to shoot him again. <hr /> <iframe id="tc-infographic-1064" class="tc-infographic" style="border: none;" src="https://cdn.theconversation.com/infographics/1064/0f0903c8d2249ac24316f2a86f5e0f231b6546e6/site/index.html" width="100%" height="400px" frameborder="0"></iframe> <hr /> The soldiers’ request for authorisation to shoot is granted. The wounded man is carried to a nearby minibus, which is then shot to pieces with the helicopter’s gun. The driver and two other rescuers are killed instantly while the driver’s two young children inside are seriously wounded. US army command investigated the matter, <a href="https://theconversation.com/a-new-book-argues-julian-assange-is-being-tortured-will-our-new-pm-do-anything-about-it-183622">concluding</a> the soldiers acted in accordance with the rules of war. Despite this, US prosecutors <a href="https://www.theguardian.com/media/2020/jun/15/julian-assange-indictment-fails-to-mention-wikileaks-video-that-exposed-us-war-crimes-in-iraq">didn’t include</a> the video in its indictment against Assange, leading to accusations it didn’t want such material further exposed in public. Equally to the point, the public would never have known an alleged war crime had been committed without the release of the video. <h2>Going into exile</h2> Assange and WikiLeaks had no sooner become famous than it all began to come to a halt. He was alleged to have sexually assaulted <a href="https://www.bbc.com/news/world-europe-50473792">two women</a>. He holed up the <a href="https://www.nytimes.com/2012/08/17/world/americas/ecuador-to-let-assange-stay-in-its-embassy.html">Ecuadoran embassy</a> in London for <a href="https://apnews.com/article/7276b35e8d5944e7b5ca280ab0390b26">seven years</a> to avoid being extradited to Sweden for questioning over the alleged assaults, from where he could then be extradited to the US. Then he was <a href="https://mondediplo.com/2024/02/11assange">imprisoned in England</a> for the past five years. It has been confusing to following the byzantine twists and turns of the Assange case. His character has been reviled by his opponents and revered by his supporters. Even journalists, who are supposed to be in the same business of speaking truth to power, have adopted contradictory stances towards Assange, oscillating between giving him awards (a <a href="https://www.walkleys.com/board-statement-4-16/">Walkley</a> for his outstanding contribution to journalism) and shunning him (<a href="https://www.nytimes.com/2019/05/23/opinion/julian-assange-wikileaks.html">The New York Times</a> has said he is a source rather than a journalist). <h2>Personal suffering</h2> After Sweden eventually <a href="https://www.bbc.com/news/world-europe-50473792">dropped</a> the sexual assault charges, the US government swiftly ramped up its request to extradite Assange to face charges under the Espionage Act, which, if successful, could have led to a jail term of up to <a href="https://www.theguardian.com/media/article/2024/jun/25/explainer-who-is-julian-assange-and-what-are-the-details-of-his-plea-deal#:%7E:text=After%20his%20departure%20from%20the,to%20175%20years%20in%20prison.">175 years</a>. Until this week, most of the recent headlines about Assange have been about this extradition attempt. Most recently, he was granted the <a href="https://theconversation.com/julian-assanges-appeal-to-avoid-extradition-will-go-ahead-it-could-be-legally-groundbreaking-227859">right to appeal</a> the UK Home Secretary’s order that he be extradited to the US. This brings us to now, where if all goes according to legal planning, Assange will <a href="https://theconversation.com/julian-assange-plea-deal-what-does-it-mean-for-the-wikileaks-founder-and-what-happens-now-233207">plead guilty</a> to one count under the US Espionage Act, then fly back to Australia. But the long, protracted and very public case, legal or otherwise, has raised questions yet to be fully reckoned with. Nils Melzer, the United Nations Special Rapporteur on Torture, thoroughly investigated the case against Assange and laid it out in forensic detail in a <a href="https://theconversation.com/a-new-book-argues-julian-assange-is-being-tortured-will-our-new-pm-do-anything-about-it-183622">2022 book</a>. In it, he wrote: <blockquote> The Assange case is the story of a man who is being persecuted and abused for exposing the dirty secrets of the powerful, including war crimes, torture and corruption. It is a story of deliberate judicial arbitrariness in Western democracies that are otherwise keen to present themselves as exemplary in the area of human rights. </blockquote> He’s also suffered significantly in legal and diplomatic processes in at least four countries. Since being imprisoned in 2019, <a href="https://www.theguardian.com/media/article/2024/jun/25/julian-assange-plea-deal-with-us-free-to-return-australia#:%7E:text=WikiLeaks%20said%20on%20X%20that,isolated%2023%20hours%20a%20day%E2%80%9D">Assange’s team says</a> he’s spent much of that time in solitary confinement for up to 23 hours a day, has been denied all but the most limited access to his legal team, let alone family and friends, and was kept in a <a href="https://www.bbc.com/news/uk-54060427">glass box</a> during his seemingly interminable extradition hearing. His physical and mental health have suffered to the point where he has been put on <a href="https://www.cbsnews.com/news/wikileaks-julian-assange-at-very-high-risk-of-suicide-attempt-psychiatric-expert-tells-court/">suicide watch</a>. Again, that seems to be the point, as Melzer writes: <blockquote> The primary purpose of persecuting Assange is not – and never has been – to punish him personally, but to establish a generic precedent with a global deterrent effect on other journalist, publicists and activists. </blockquote> So while Assange himself is human and his suffering real, his lengthy time in the spotlight have turned him into more of a symbol. This is true whether you think of him as the hero exposing the dirty secrets of governments, or as something much more sinister. If his experience has taught us anything, it’s that speaking truth to power can come at an unfathomable personal cost.<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/233232/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/matthew-ricketson-3616">Matthew Ricketson</a>, Professor of Communication, <a href="https://theconversation.com/institutions/deakin-university-757">Deakin University</a> Image credits: Vianney Le Caer/Shutterstock Editorial 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/julian-assange-has-been-in-the-headlines-for-almost-two-decades-heres-why-hes-such-a-significant-public-figure-233232">original article</a>. </div>

Legal

10 ways to cruise as a senior

Just because you’re older, that doesn’t mean you can’t experience all that a cruising holiday has to offer. Follow our simple tips for a fun filled holiday on the water. 1. Choose the right ship Cruise ships today carry anywhere from six to 6,000 people. The larger megaliners tend to be geared towards families with plenty of crazy rides and high-energy activities. They’ll also probably be crowded with kids. Smaller boutique ships operate at a slower pace and are generally stocked with an older crowd. Do your research and find one to suit you. 2. And the right cabin Do you need an accessible cabin? Do you want to reduce walking with a cabin close to the elevators? Is it important for you to have some outside space of your own? These are all important questions that you’ll need to answer when you book. The right cabin can make or break a cruise. 3. Pick an appropriate itinerary You’ll need to decide if you want to visit new places every day or spend more time onboard the ship. Both have their advantages and disadvantages. Port heavy itineraries, where you’re stopping at a new destination every day, can be tiring. On the other hand, you might get bored with too many days at sea. Think realistically about your needs and make the right choice for you. 4. Research your dates One of the best things about being a senior traveller is that you are (generally) no longer bound by things like school holidays. By avoiding these times you’ll not only save money, you won’t be on a ship with an unusually high proportion of children. When cruising in the Caribbean, you’ll also need to keep in mind the US college holidays so you’re not trapped with a bunch of boozy spring breakers. 5. Allow extra time It’s a sad fact of ageing that you’re not as quick on your feet as you used to be. That means you’ll need to factor in extra time for just about everything. Ships can be huge, so you don’t want to be rushing to make a dinner reservation or spa appointment. This applies on shore too. If you’re really late, the ship will leave without you so don’t cut it too fine. 6. Choose the right shore excursions Before you book, have a chat with the shore excursions team and get a good idea of the physical requirements. What they consider minimal walking might not be the same as what you consider minimal walking. These tours aren’t cheap, so you want to be sure that you can enjoy everything it involves. 7. Look at onboard activities You might not want to get off at every port (which can be exhausting) but still want to be entertained onboard. And adventurous activities like skydiving simulators and giant waterslides may not be your thing any more. Many cruise lines offer fantastic enrichment programs onboard where you can listen to world-class lecturers, learn new skills or watch performances from the likes of the Royal Academy of Dramatic Arts or the Lincoln Centre. 8. Give yourself time to relax You’re on holiday! If you want to spend a day in bed, watching movies and ordering room service then do exactly that. Don’t feel any pressure to be up and about every day. 9. Travel with the right companions Solo, couple, friends or family, there’s a cruise for every group. Cruising is hugely popular with multi-generational groups as there something for everyone to do, but it might not make for the most relaxing holiday. If you’re a solo traveller, you can book a single cabin all to yourself or find a room mate with any number of matching services. Just think carefully – because once you’re onboard with your travel buddy, there’s no getting off. 10. Think about medical care Be realistic about any medical needs you may have. Most ships have a decent medical centre, but if you are spending multiple days at sea or cruising to very remote destinations and something happens it might not be enough to help you. If you are concerned, choose cruises that stay close to shore or visit developed countries where you can get proper treatment quickly. Image credits: Shutterstock

Cruising

5 ways to fake a clean bathroom

Got a friend popping around for a catch up, and, your bathroom is less than sparkling? Don’t stress. Follow our foolproof tips to fake it so no one knows you didn’t have time to do a proper clean. 1. Scrub the loo The toilet is often a telltale sign that your bathroom is in need of a clean. If you haven’t already invested in a leave-in cleaner for your bowl, simply get in there with some toilet cleaner and give a good squirt under the rim. Leave it to do its job while you get on with the rest of the bathroom. Then when it’s had a few minutes to soak, give it a once over with the toilet brush. Grab some toilet paper (or an antibacterial wipe) and give the rim and the top of the toilet a once over to remove any dust. 2. Eliminate any obvious mould and grime Find yourself some good-quality mould spray that you can apply and then leave to work its magic while you move on to other areas of the bathroom. After 10 minutes (check your packet for the optimal time) you should be able to spray it with warm water from the shower and then wipe it clean. 3. Do a quick dust bust Grab yourself a clean cloth or antibacterial wipe and go over the shelves and basin to get rid of any dust or dirt you can see. 4.Change your bathmat and hand towel There’s nothing like a fresh and clean bathmat to trick your guests into thinking that you’ve just finished scrubbing the bathroom. Add a clean hand towel to complete the look. 5.Add a sweet scent Give your bathroom a look of freshness by popping a small vase of flowers in there. You can also try a scented candle on top of the toilet to give off a nice scent and hide any odours. Image credits: Shutterstock

Home & Garden

5 ways your sleep affects what you eat

We know a good night’s sleep is good for us but logging in those hours of sleep can be a difficult task. Without quality shut-eye, our productivity decreases, immune system weakens and even our dietary health is negatively affected. You eat more when you sleep less A Mayo Clinic study comparing the eating habits of people who slept as much as they needed and those who only slept two-thirds of their required rest time for eight days, found the subject who were sleep-deprived ended up eating an average of 549 extra calories each day. You snack more, especially at night A lack of sleep can lead to decrease in physical activity and an increase in snacking behaviour. Such behaviours typically leads to weight gain. You crave extra carbs and fatty foods The foods we’re snacking on aren’t usually the healthy variety. A 2013 study found that when we’re tired we not only crave unhealthy, -carbohydrate, and high-fat foods but we’re less likely to consider the consequences of such food choices over time. Disrupted sleep cycle equal changing eating patterns Your internal clock guides both your sleep patterns and your eating patterns – aka when you feel hungry during the day. A 2011 study found that people who are “late sleepers” tend to delay their meals throughout the day and end up consuming more calories than the average meal. Those late-eating habits affect sleep and perpetuates the cycle. You don’t eat the right foods A 2013 study found that sleep-deprived subjects ate half the fruit and vegetable servings of a normal sleeper. This meant losing key nutrients from their diet, which can lead to dietary imbalances and effect the regular functioning of the body. Image credits: Shutterstock

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Julian Assange has been in the headlines for almost two decades. Here’s why he’s such a significant public figure

10 ways to cruise as a senior

5 ways to fake a clean bathroom

5 ways your sleep affects what you eat