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

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

Travel Tips

Airlines cancel flights after volcanic eruptions. An aviation expert explains why that’s a good thing

<div class="theconversation-article-body"><a href="https://theconversation.com/profiles/patrick-murray-2027113">Patrick Murray</a>, <a href="https://theconversation.com/institutions/university-of-southern-queensland-1069">University of Southern Queensland</a> At least three airlines <a href="https://www.abc.net.au/news/2024-11-13/flights-to-and-from-bali-cancelled-due-to-volcanic-ash/104593698">cancelled flights between Australia and Bali</a> this week after a volcano eruption in eastern Indonesia spewed a vast plume of volcanic ash into the air. But while would-be holiday makers are naturally <a href="https://7news.com.au/sunrise/volcanic-eruption-in-indonesia-forces-airlines-to-cancel-flights-to-bali-stranding-frustrated-passengers-c-16732486">upset</a> at having their plans disrupted, it’s worth remembering it’s not safe to fly planes through volcanic ash. So, how do airlines decide it’s not safe to fly when a volcano erupts? And why is volcanic ash so dangerous for aircraft, anyway? <h2>What does volcanic ash do to a plane?</h2> Volcanic ash particles are very, very abrasive. They can cause permanent damage to windscreens in the aircraft and can even make windscreens look opaque – like someone has gone over them with sandpaper. Imagine getting spectacles and scraping them over and over with sandpaper – that’s what you’d see if you were sitting in the cockpit. Volcanic ash can also clog or damage external sensors, leading to erroneous readings, and can infiltrate an aircraft’s ventilation system. This can affect cabin air quality and lead to potential respiratory issues. But the main issue, in fact, is the impact volcanic ash has on engines. A jet engine works by drawing in air, compressing it, mixing it with fuel and igniting it. This creates high-pressure exhaust gases that are expelled backward, which pushes the engine (and the aircraft) forward. The correct balance of fuel and airflow is crucial. When you disrupt airflow, it can cause the engine to stall. Ash particles that get inside the engines will melt and build up, causing disruption of the airflow. This could cause the engine to “flame out” or stall. Volcanic ash has a lot of silica in it, so when it melts it turns into something similar to glass. It won’t melt unless exposed to very high temperatures – but inside a jet engine, you do get very high temperatures. There was a famous incident in 1982 where a <a href="https://theaviationgeekclub.com/the-story-of-british-airways-flight-9-the-boeing-747-that-lost-all-four-engines-due-to-volcanic-ash-yet-it-landed-safely/">British Airways Boeing 747 plane</a> was flying in the vicinity of Indonesia and lost all four engines after it encountered volcanic ash spewing from Java’s Mount Galunggung. Fortunately, the pilot was able to <a href="https://simpleflying.com/gallunggung-glider-the-story-of-british-airways-flight-9/">restart the engines and land safely</a>, although the pilots were unable to see through the front windscreens. <h2>How do airlines decide it’s not safe to fly when a volcano erupts?</h2> The decision is made by each airline’s operational staff. Each airline’s operational team would be looking at the situation in real time today and making the decision based on their risk assessment. Every airline has a process of risk management, which is required by Australia’s Civil Aviation Safety Authority. Different airlines may tackle risk management in slightly different ways; you might have some cancelling flights earlier than others. But, in broad terms, the more sophisticated airlines would come to similar conclusions and they are likely all communicating with each other. Mostly, they make the call based on the extent of the plume – how big the cloud of ash is and where it’s going, bearing in mind that winds vary with altitude. As you get stronger winds with altitude, the ash can drift quite far from the source. There is also a United Nations agency called the <a href="https://www.icao.int/Pages/default.aspx">International Civil Aviation Organization</a>, which issues guidance on volcanic ash hazards. Various meteorological agencies around the world work together and liaise with aviation authorities to spread the word quickly if there is an eruption. For airlines to resume flights, the ash needs to clear and there needs to be a low probability of further eruptions. <h2>Passenger safety is the priority</h2> The underpinning reason behind these flight cancellations is safety. If you lose engines and you can’t see out the window, the risk to passenger safety is obvious. Naturally, people are upset about their holiday plans being held up. But it’s actually in passengers’ best interests to not fly through volcanic ash.<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/243576/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/patrick-murray-2027113">Patrick Murray</a>, Emeritus Professor of Aviation, <a href="https://theconversation.com/institutions/university-of-southern-queensland-1069">University of Southern Queensland</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/airlines-cancel-flights-after-volcanic-eruptions-an-aviation-expert-explains-why-thats-a-good-thing-243576">original article</a>. </div>

Travel Trouble

Expert shares best destinations for solo female travellers

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

Travel Tips

How do heat protectants for hair work? A chemistry expert explains

<div class="theconversation-article-body"> <a href="https://theconversation.com/profiles/daniel-eldridge-1494633">Daniel Eldridge</a>, <a href="https://theconversation.com/institutions/swinburne-university-of-technology-767">Swinburne University of Technology</a> Heat can do amazing things to change your hairstyle. Whether you’re using a curling wand to get ringlets, a flat iron to straighten or a hair dryer to style, it’s primarily the heat from these tools that delivers results. This comes with casualties. While your hair is surprisingly tolerant to heat compared with many other parts of your body, it can still only withstand so much. Heat treatment hair appliances frequently operate at over 150°C, with some reportedly <a href="https://www.frontiersin.org/journals/bioengineering-and-biotechnology/articles/10.3389/fbioe.2019.00298/full#B13">reaching</a> <a href="https://www.researchgate.net/publication/289291195_Thermal_degradation_of_hair_I_Effect_of_curling_irons">over 200°C</a>. At these temperatures, your hair can end up fried. Many people use heat protectants, often in the form of sprays, to minimise the damage. So how do these protectants work? To answer that, I first have to explain exactly what heat does to your tresses on the molecular level. <h2>What heat does to your hair</h2> A large proportion of your hair is made up of proteins. There are attractive forces between these proteins, known as hydrogen bonds. These bonds play a big role in dictating the shape of your locks. When you heat up your hair, the total attraction of these hydrogen bonds become weaker, allowing you to more easily re-shape your hair. Then, when it cools back down, these attractions between the proteins are re-established, helping your hair hold its new look until the proteins rediscover their normal structure. The cuticle – the outermost protective layer of your hair – contains overlapping layers of cells that lose integrity when they’re heated, damaging this outer protective layer. Inside that outer layer is the cortex, which is rich in a protein called keratin. Many proteins don’t <a href="https://pubmed.ncbi.nlm.nih.gov/21635854/">hold up structurally</a> after intense heating. Think of cooking an egg – the change you see is a result of the heat altering the proteins in that egg, unravelling them into different shapes and sizes. It’s a <a href="https://library.scconline.org/v049n04/33">similar story</a> when it comes to heating your hair. The proteins in your hair are also susceptible to heat damage, reducing the overall strength and integrity of the hair. Heat can also affect substances called melanin and <a href="https://pubmed.ncbi.nlm.nih.gov/21443842/">tryptophan</a> in your hair, resulting in a change in pigmentation. Heat-damaged hair is <a href="https://pubmed.ncbi.nlm.nih.gov/21635854/">harder to brush</a>. The damage is even more devastating if you use heat styling tools such as <a href="https://labmuffin.com/why-you-should-never-straighten-or-curl-wet-hair/">curling irons or straighteners</a> to <a href="https://library.scconline.org/v062n01/23">heat wet hair</a>, as at the high treatment temperatures, the water soaked up by the fibres can violently evaporate. The result of this is succinctly described by science educator and cosmetic chemist Michelle Wong, also known as <a href="https://labmuffin.com/how-do-heat-protectant-hair-products-work/">Lab Muffin</a>. She notes if you heat wet hair this way, “steam will blast through your hair’s structure”. This steam bubbling or bursting through the hair can <a href="https://pubmed.ncbi.nlm.nih.gov/21443842/">cause substantial damage</a>. It’s worth noting hair dryers don’t concentrate heat in the same way as styling tools such as flat irons or curling wands, but you still need to move the hair dryer around constantly to avoid heat building up in one spot and causing damage. Once heat damage is done, regardless of whether it is severe or mild, the best remaining options are symptom management or a haircut. For all of these reasons, when you’re planning to heat treat your hair, protection is a good idea. <h2>How hair protectants work</h2> When you spray on a hair protectant, many possible key ingredients can go to work. They can have <a href="https://library.scconline.org/v062n01/15">daunting-looking names</a> like polyvinyl pyrrolidone, methacrylates, polyquaterniums, silicones and more. These materials are chosen because they readily stick onto your hair, creating a coating, a bit like this: <figure class="align-center zoomable"><a href="https://images.theconversation.com/files/615002/original/file-20240822-16-beyt90.jpg?ixlib=rb-4.1.0&q=45&auto=format&w=1000&fit=clip"><img src="https://images.theconversation.com/files/615002/original/file-20240822-16-beyt90.jpg?ixlib=rb-4.1.0&q=45&auto=format&w=754&fit=clip" sizes="(min-width: 1466px) 754px, (max-width: 599px) 100vw, (min-width: 600px) 600px, 237px" srcset="https://images.theconversation.com/files/615002/original/file-20240822-16-beyt90.jpg?ixlib=rb-4.1.0&q=45&auto=format&w=600&h=225&fit=crop&dpr=1 600w, https://images.theconversation.com/files/615002/original/file-20240822-16-beyt90.jpg?ixlib=rb-4.1.0&q=30&auto=format&w=600&h=225&fit=crop&dpr=2 1200w, https://images.theconversation.com/files/615002/original/file-20240822-16-beyt90.jpg?ixlib=rb-4.1.0&q=15&auto=format&w=600&h=225&fit=crop&dpr=3 1800w, https://images.theconversation.com/files/615002/original/file-20240822-16-beyt90.jpg?ixlib=rb-4.1.0&q=45&auto=format&w=754&h=283&fit=crop&dpr=1 754w, https://images.theconversation.com/files/615002/original/file-20240822-16-beyt90.jpg?ixlib=rb-4.1.0&q=30&auto=format&w=754&h=283&fit=crop&dpr=2 1508w, https://images.theconversation.com/files/615002/original/file-20240822-16-beyt90.jpg?ixlib=rb-4.1.0&q=15&auto=format&w=754&h=283&fit=crop&dpr=3 2262w" alt="A cartoon of coating attached to a strand of hair." /></a><figcaption>Hair protectant applies a coating to your hair. Author provided</figcaption></figure> This coating is a protective layer; it’s like putting an oven mitt on your hands before you handle a hot tray from the oven. To demonstrate, I created these by examining hair under a microscope before and after heat protectant was applied: <figure class="align-center zoomable"><a href="https://images.theconversation.com/files/615001/original/file-20240822-16-s2ufqy.jpg?ixlib=rb-4.1.0&q=45&auto=format&w=1000&fit=clip"><img src="https://images.theconversation.com/files/615001/original/file-20240822-16-s2ufqy.jpg?ixlib=rb-4.1.0&q=45&auto=format&w=754&fit=clip" sizes="(min-width: 1466px) 754px, (max-width: 599px) 100vw, (min-width: 600px) 600px, 237px" srcset="https://images.theconversation.com/files/615001/original/file-20240822-16-s2ufqy.jpg?ixlib=rb-4.1.0&q=45&auto=format&w=600&h=293&fit=crop&dpr=1 600w, https://images.theconversation.com/files/615001/original/file-20240822-16-s2ufqy.jpg?ixlib=rb-4.1.0&q=30&auto=format&w=600&h=293&fit=crop&dpr=2 1200w, https://images.theconversation.com/files/615001/original/file-20240822-16-s2ufqy.jpg?ixlib=rb-4.1.0&q=15&auto=format&w=600&h=293&fit=crop&dpr=3 1800w, https://images.theconversation.com/files/615001/original/file-20240822-16-s2ufqy.jpg?ixlib=rb-4.1.0&q=45&auto=format&w=754&h=369&fit=crop&dpr=1 754w, https://images.theconversation.com/files/615001/original/file-20240822-16-s2ufqy.jpg?ixlib=rb-4.1.0&q=30&auto=format&w=754&h=369&fit=crop&dpr=2 1508w, https://images.theconversation.com/files/615001/original/file-20240822-16-s2ufqy.jpg?ixlib=rb-4.1.0&q=15&auto=format&w=754&h=369&fit=crop&dpr=3 2262w" alt="These high magnification images of untreated hair, and hair sprayed with a heat treatment spray, show what a difference it can make." /></a><figcaption>These high magnification images of untreated hair, and hair sprayed with a heat treatment spray, show how the product coats your hair strands. Author provided</figcaption></figure> Just like an oven mitt, a hair protectant delays the heat penetration, results in less heat getting through, and helps spread out the effect of the heat, a bit like in this image: <figure class="align-center zoomable"><a href="https://images.theconversation.com/files/615003/original/file-20240822-16-tf7xsj.jpg?ixlib=rb-4.1.0&q=45&auto=format&w=1000&fit=clip"><img src="https://images.theconversation.com/files/615003/original/file-20240822-16-tf7xsj.jpg?ixlib=rb-4.1.0&q=45&auto=format&w=754&fit=clip" sizes="(min-width: 1466px) 754px, (max-width: 599px) 100vw, (min-width: 600px) 600px, 237px" srcset="https://images.theconversation.com/files/615003/original/file-20240822-16-tf7xsj.jpg?ixlib=rb-4.1.0&q=45&auto=format&w=600&h=233&fit=crop&dpr=1 600w, https://images.theconversation.com/files/615003/original/file-20240822-16-tf7xsj.jpg?ixlib=rb-4.1.0&q=30&auto=format&w=600&h=233&fit=crop&dpr=2 1200w, https://images.theconversation.com/files/615003/original/file-20240822-16-tf7xsj.jpg?ixlib=rb-4.1.0&q=15&auto=format&w=600&h=233&fit=crop&dpr=3 1800w, https://images.theconversation.com/files/615003/original/file-20240822-16-tf7xsj.jpg?ixlib=rb-4.1.0&q=45&auto=format&w=754&h=293&fit=crop&dpr=1 754w, https://images.theconversation.com/files/615003/original/file-20240822-16-tf7xsj.jpg?ixlib=rb-4.1.0&q=30&auto=format&w=754&h=293&fit=crop&dpr=2 1508w, https://images.theconversation.com/files/615003/original/file-20240822-16-tf7xsj.jpg?ixlib=rb-4.1.0&q=15&auto=format&w=754&h=293&fit=crop&dpr=3 2262w" alt="Cartoon demonstrating the difference between heating unprotected and protected hair" /></a><figcaption>Hair protectant can help spread out the effects of the heat. Author provided</figcaption></figure> <a href="https://library.scconline.org/v049n04/33">This helps</a> prevent moisture loss and damage to both the protective surface cell layer (the cuticle) and the protein structure of the hair cortex. For these barriers to work at their best, these heat-protecting layers need to remain bound to your hair. In other words, they stick on really well. For this reason, continued use can sometimes cause a <a href="https://link.springer.com/article/10.1007/s12221-010-0507-9">buildup</a> which can change the feel and weight of your hair. This buildup is not permanent and can be removed with washing. One final and important note: just like when you use a mitt for the oven, heat does still get through. The only way to prevent heat damage to your hair altogether is to not use heated styling tools.<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/233206/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/daniel-eldridge-1494633">Daniel Eldridge</a>, Senior Lecturer in Chemistry, <a href="https://theconversation.com/institutions/swinburne-university-of-technology-767">Swinburne University of Technology</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/how-do-heat-protectants-for-hair-work-a-chemistry-expert-explains-233206">original article</a>. </div>

Beauty & Style

China expert reveals new theory on why man scalded baby in park

An expert on Chinese social issues has shed new light on the potential motive behind the attack on a baby in a Brisbane park. In August, nine-month-old Luka was enjoying Hanlon Park with his mother when the man poured boiling hot coffee on the infant before fleeing the scene. Police identified the attacker as a 33-year-old man from China, who travelled to his home country after the attack, evading capture by police. As many hypothesise about the <a href="https://oversixty.com.au/health/caring/alleged-motive-of-man-who-scalded-baby-revealed" target="_blank" rel="noopener">motive</a> behind the attack, Will Sterzel, a prominent critic of the Chinese Communist Party (CCP), said the attack follows a trend of similar attacks in China. Sterzel, who lived in China for 14 years but left for America after the CCP criticised his vocalness over his frustration with the government, explained that the man's attack on baby Luka is reflective of his own social life and displeasure with state bureaucracy. "When his latest application for a visa was rejected, he did what so many in China do: lashed out and took revenge on society by attacking a child," Mr Sterzel said. "He even said to his friend that he wanted to take revenge on white people." According to Mr Sterzel, the phenomenon reflects a deep-seated frustration that some Chinese nationals feel about the living conditions under the ruling Communist Party. "What it boils down to at the root of it all is injustice," Mr Sterzel claimed. He went on to explain that China lacks government support - such as mental health services, public funds or charities - for those in situations of misfortune, prompting many people to lash out. "When you're down on your luck the government will not help you in China, there are no social programs and if your family isn't willing to float you you're done for," Mr Sterzel said. "There simply are no mental health facilities or systems in place to deal with mental health. So, when people snap and are at wit's end they have no recourse, they're not allowed to blame the government, they cannot strike or protest or petition or take action." "They have nowhere to turn and so they selfishly lash out at society trying to inflict as much damage as possible and in China children are the most precious and important part of society." Mr Sterzel explained that children in China are faced with a lot of responsibility, and are often forced to be providers for their entire family. "All that the entire family's future rides on how good a job the child gets," Mr Sterzel said. "So, by attacking and murdering young children these disgruntled cowards inflict huge damage to society disrupting the plans and livelihoods of multiple generations. The grandparents can no longer retire, the parents' lives are destroyed and China's already shrinking demographics get smaller." "They have inflicted maximum damage to society." Mr Sterzel stressed that "revenge against society" attacks were not cultural tradition, adding, "This is a problem that's continuing to grow in China and unfortunately get exported abroad." Image credits: Queensland Police / 9News

Legal

Travel experts share their go-to hacks to transform your holiday

A group of travel experts have shared their holy grail hacks to transform your next holiday. From the best days to book your flights, to how to score an upgrade at a hotel, these seasoned travellers told the <a href="https://www.dailymail.co.uk/travel/article-13772593/Twenty-one-travel-hacks-transform-holiday-trick-getting-hotel-upgrade-cheapest-days-book-flights-expert-advice-Mails-experts.html">Mail Online</a> how to get the most out of your next trip. Pay in the local currency When you make a transaction via card in a foreign country, EFTPOS machines will often prompt you if you want to pay in your home currency or the local currency. By opting for the local currency, you can avoid potentially unfavourable currency conversions made by retailers, as the transaction will be made according to the standard daily rates set by Visa or MasterCard. Likewise, if withdrawing currency from a foreign ATM, always select the local currency to avoid paying the Dynamic Currency Conversion (DCC), which is effectively a way to squeeze more cash out of unwitting customers. Book a midweek flight Travellers are usually keen to book flights between Thursday and Monday to line up with the beginning and end of the week. However, flights booked midweek, especially from Monday to Wednesday, are consistently around 20-30 per cent less than at the weekend. Connect with an eSim card To avoid extortionate overseas data roaming charges, those travelling abroad should invest in an eSim card to keep using your phone on holiday. An eSim is cheaper and less hassle than dealing with buying an international physical Sim card, and can be changed for the best fees depending on regions. Book your hotel direct Many travellers opt to book their accommodation through a third-party after being enticed by deals, book now pay later schemes, or the abundance of options. However the Daily Mail’s Inspector hotel reviewer says “it almost always pays” to call and say you have seen a price that is lower than on the hotel’s website elsewhere. “Quite often you will get a lower rate, or an upgrade or a complimentary bottle in your room or a voucher for a drink at the bar,” the reporter says. By calling the hotel and asking them to match a price found on a third party site, you can often score the lower price, and even a better room. Never use airport currency exchange booths Currency exchange booths at airports are notorious for jacking up their conversion fees, meaning unsuspecting travellers can pay more to get their own money. It’s best not to leave cash conversion until the last minute. In the weeks before your trip, shop around at other exchange offices to ensure you’re getting the best rate on your own cash. Image credits: Shutterstock

Travel Tips

40°C in August? A climate expert explains why Australia is ridiculously hot right now

<div class="theconversation-article-body"><a href="https://theconversation.com/profiles/andrew-king-103126">Andrew King</a>, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</a> It’s winter in Australia, but as you’ve probably noticed, the weather is unusually warm. The top temperatures over large parts of the country this weekend were well above average for this time of year. The outback town of Oodnadatta in South Australia recorded 38.5°C on Friday and 39.4°C on Saturday – about 16°C above average. Both days were well above the state’s previous winter temperature record. In large parts of Australia, the heat is expected to persist into the coming week. A high pressure system is bringing this unusual heat – and it’s hanging around. So temperature records have already fallen and may continue to be broken for some towns in the next few days. It’s no secret the world is warming. In fact, 2024 is shaping up to be <a href="https://www.carbonbrief.org/state-of-the-climate-2024-now-very-likely-to-be-warmest-year-on-record/">the hottest year on record</a>. Climate change is upon us. Historical averages are becoming just that: a thing of the past. That’s why this winter heat is concerning. The warming trend will continue for at least as long as we keep burning fossil fuels and polluting the atmosphere. Remember, this is only August. The heatwaves of spring and summer are only going to be hotter. <figure><iframe src="https://www.youtube.com/embed/GmhMKjxEGQo?wmode=transparent&start=0" width="440" height="260" frameborder="0" allowfullscreen="allowfullscreen"></iframe><figcaption>Widespread heat forecast for Australia in August, 2024 (Bureau of Meteorology)</figcaption></figure> <h2>Records broken across Australia</h2> The Bureau of Meteorology was expecting many records to be broken over the weekend across several states. On Thursday, bureau meteorologist Angus Hines described: <blockquote> A scorching end to winter, with widespread heat around the country in coming days, including the chance of winter records across multiple states for maximum temperature. </blockquote> The amount of heat plunging into central Australia was particularly unusual, Hines said. On Friday, temperatures across northern South Australia and southern parts of the Northern Territory were as much as 15°C above average. Temperatures continued to soar across northern parts of Western Australia over the weekend, with over 40°C recorded at Fitzroy Crossing on Sunday. It has been 2–12°C above average from Townsville all the way down to Melbourne for several days in a row. <figure class="align-center zoomable"><a href="https://images.theconversation.com/files/615457/original/file-20240825-18-d8f6ho.gif?ixlib=rb-4.1.0&q=45&auto=format&w=1000&fit=clip"><img src="https://images.theconversation.com/files/615457/original/file-20240825-18-d8f6ho.gif?ixlib=rb-4.1.0&q=45&auto=format&w=754&fit=clip" sizes="(min-width: 1466px) 754px, (max-width: 599px) 100vw, (min-width: 600px) 600px, 237px" srcset="https://images.theconversation.com/files/615457/original/file-20240825-18-d8f6ho.gif?ixlib=rb-4.1.0&q=45&auto=format&w=600&h=412&fit=crop&dpr=1 600w, https://images.theconversation.com/files/615457/original/file-20240825-18-d8f6ho.gif?ixlib=rb-4.1.0&q=30&auto=format&w=600&h=412&fit=crop&dpr=2 1200w, https://images.theconversation.com/files/615457/original/file-20240825-18-d8f6ho.gif?ixlib=rb-4.1.0&q=15&auto=format&w=600&h=412&fit=crop&dpr=3 1800w, https://images.theconversation.com/files/615457/original/file-20240825-18-d8f6ho.gif?ixlib=rb-4.1.0&q=45&auto=format&w=754&h=518&fit=crop&dpr=1 754w, https://images.theconversation.com/files/615457/original/file-20240825-18-d8f6ho.gif?ixlib=rb-4.1.0&q=30&auto=format&w=754&h=518&fit=crop&dpr=2 1508w, https://images.theconversation.com/files/615457/original/file-20240825-18-d8f6ho.gif?ixlib=rb-4.1.0&q=15&auto=format&w=754&h=518&fit=crop&dpr=3 2262w" alt="Animated maximum temperature anomaly map showing heat building across central Australia" /></a><figcaption>Maximum temperature anomalies from August 19-24, showing heat building across Australia. Bureau of Meteorology, <a class="license" href="http://creativecommons.org/licenses/by/4.0/">CC BY</a></figcaption></figure> Bear in mind, it’s only August. As Hines said, the fire weather season hasn’t yet hit most of Australia – but the current conditions – hot, dry and sometimes windy – are bringing moderate to high fire danger across Australia. It may also bring dusty conditions to central Australia. And for latitudes north of Sydney and Perth, most of the coming week will be warm. <h2>What’s causing the winter warmth?</h2> <a href="http://www.bom.gov.au/australia/charts/synoptic_col.shtml">In recent days</a> a stubborn high pressure system has sat over eastern Australia and the Tasman Sea. It has kept skies clear over much of the continent and brought northerly winds over many areas, transporting warm air to the south. High pressure promotes warm weather – both through clearer skies that bring more sunshine, and by promoting the descent of air which <a href="https://media.bom.gov.au/social/blog/2544/explainer-what-influences-air-temperature/">causes heating</a>. By late August, both the intensity of the sun and the length of the day has increased. So the centre of Australia can really warm up when under the right conditions. High pressure in June can be associated with cooler conditions, because more heat is lost from the surface during those long winter nights. But that’s already less of an issue by late August. This kind of weather setup has occurred in the past. Late-winter or early-spring heat does sometimes occur in Australia. However, this warm spell is exceptional, as highlighted by the broken temperature records across the country. <figure class="align-center zoomable"><a href="https://images.theconversation.com/files/615284/original/file-20240823-20-1mu7h0.png?ixlib=rb-4.1.0&q=45&auto=format&w=1000&fit=clip"><img src="https://images.theconversation.com/files/615284/original/file-20240823-20-1mu7h0.png?ixlib=rb-4.1.0&q=45&auto=format&w=754&fit=clip" sizes="(min-width: 1466px) 754px, (max-width: 599px) 100vw, (min-width: 600px) 600px, 237px" srcset="https://images.theconversation.com/files/615284/original/file-20240823-20-1mu7h0.png?ixlib=rb-4.1.0&q=45&auto=format&w=600&h=450&fit=crop&dpr=1 600w, https://images.theconversation.com/files/615284/original/file-20240823-20-1mu7h0.png?ixlib=rb-4.1.0&q=30&auto=format&w=600&h=450&fit=crop&dpr=2 1200w, https://images.theconversation.com/files/615284/original/file-20240823-20-1mu7h0.png?ixlib=rb-4.1.0&q=15&auto=format&w=600&h=450&fit=crop&dpr=3 1800w, https://images.theconversation.com/files/615284/original/file-20240823-20-1mu7h0.png?ixlib=rb-4.1.0&q=45&auto=format&w=754&h=566&fit=crop&dpr=1 754w, https://images.theconversation.com/files/615284/original/file-20240823-20-1mu7h0.png?ixlib=rb-4.1.0&q=30&auto=format&w=754&h=566&fit=crop&dpr=2 1508w, https://images.theconversation.com/files/615284/original/file-20240823-20-1mu7h0.png?ixlib=rb-4.1.0&q=15&auto=format&w=754&h=566&fit=crop&dpr=3 2262w" alt="Graph of August Australian-average temperatures increasing since 1910" /></a><figcaption>August temperatures have been rising over the past century. Bureau of Meteorology</figcaption></figure> <h2>Feeling the heat</h2> The consequences of humanity’s continued greenhouse gas emissions are clear. Australia’s winters are getting warmer overall. And winter “heatwaves” are becoming warmer. Australia’s three warmest Augusts on record have all occurred since 2000 – and <a href="https://theconversation.com/why-is-australia-having-such-a-warm-winter-a-climate-expert-explains-210693">last August was the second-warmest since 1910</a>. When the right weather conditions occur for winter warmth across Australia, the temperatures are higher than a century ago. The warmth we are experiencing now comes off the back of <a href="https://theconversation.com/earth-has-just-ended-a-13-month-streak-of-record-heat-heres-what-to-expect-next-236655">a recent run of global temperature records</a> and <a href="https://theconversation.com/extreme-heat-is-breaking-global-records-why-this-isnt-just-summer-and-what-climate-change-has-to-do-with-it-234249">extreme heat events across the Northern Hemisphere</a>. This warm spell is set to continue, with temperatures above 30°C forecast from Wednesday through to Sunday in Brisbane. The outlook for spring points to continued <a href="http://www.bom.gov.au/climate/outlooks/#/temperature/maximum/median/seasonal/0">above-normal temperatures</a> across the continent, but as always we will likely see both warm and cold spells at times. Such winter warmth is exceptional and already breaking records. Climate change is already increasing the frequency and intensity of this kind of winter heat – and future warm spells will be hotter still, if humanity’s greenhouse gas emissions continue.<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/237398/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/andrew-king-103126">Andrew King</a>, Senior Lecturer in Climate Science, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</a> 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/40-c-in-august-a-climate-expert-explains-why-australia-is-ridiculously-hot-right-now-237398">original article</a>. </div>

Domestic Travel

Thinking of dabbling in investing? Expert’s 7 things to consider before investing a cent

Investing can be seen as both an art and a science, requiring a blend of patience, knowledge and strategy. It’s also crucial to understand the trade-off between risk and return, coupled with your time horizon. This means you do not invest in a vacuum, and each part of the investing world will impact another. Get your financial situation strong before you commit money to investing. This could be clearing consumer debt (credit cards, personal loans, buy-now-pay-later), funding your emergency fund or even setting up a spending plan so you know exactly how much you have free to invest. What else do you need to consider? <ol> <li>Your ‘why’</li> </ol> What is money to you? What do you believe about money? Why are you investing to start with? These questions must have an answer before you commit money to your investing account. If you’re unsure and want to build wealth with money you don’t need now, that’s also okay, but you need to have some conscious thought about your ‘why’ and your goals, as this is the basis of any strategy that you develop. <ol start="2"> <li>Your mindset</li> </ol> Do you have your own personal conviction about your investing, money and even life? Your mindset around investing and money needs to be rock solid, so when you hear someone tell you to do something because they do it, you don’t change a thing because your situation is set up correctly for you! This also helps if you’re part of online forums, listening to podcasts or reading investing books. Your mindset needs to be so firm that you can pick hype vs substance when it comes to investing and other opportunities. Just because everyone is doing it, does not mean it’s a good thing for you to do. <ol start="3"> <li>Setting your strategy</li> </ol> An effective investment strategy is personalised and aligned with your financial goals, risk tolerance and investment horizon. Whether you’re saving for retirement, a child’s education or building wealth, your strategy should dictate how you allocate your assets across different investment vehicles. It may be considered essential to have a balanced mix of shares (or ETFs), bonds (or fixed interest) and other assets to mitigate risk. Regularly reviewing and adjusting your portfolio to stay aligned with your goals is also a crucial part of your strategy. Your strategy will help you stay the course if things get rough out there and your emotions are tempted to take over! This goes hand-in-hand with having a sound mindset. <ol start="4"> <li>Ownership structure</li> </ol> Understanding the best ownership structure for your wealth building and investments can have significant implications for taxes, estate planning and asset protection. Options include individual or joint accounts, superannuation, investment bonds, trusts and companies. Each has its advantages and considerations, particularly concerning tax efficiency and control over the assets. Before you pull the trigger with significant wealth (for example, if you were to receive an inheritance), seek professional advice around the ownership of your investment vehicle. This will help you determine the most advantageous structure for your situation. <ol start="5"> <li>Broad-based index funds</li> </ol> Broad-based index funds are foundational to a well-rounded investment portfolio. These funds track the performance of a specific index, such as the ASX 200, S&P 500 or thematic indexes and provide investors with diversified exposure to a wide array of companies. The beauty of index funds lies in their simplicity and effectiveness. They offer a low-cost way to invest in the stock market, reducing the risk associated with picking individual companies. Over the long term, index funds have historically provided solid returns, making them an excellent choice for both novice and experienced investors. <ol start="6"> <li>Valuing and investing in individual companies</li> </ol> For those inclined to take a more hands-on approach with their investing or just to keep the interest alive, valuing single companies is a critical skill. This involves analysing a company's financial health, market position and growth prospects. Key metrics such as the price-to-earnings (P/E) ratio, earnings growth and dividend yield can provide valuable insights. However, it’s important to remember that ‘stock picking’ requires research, a deep understanding of market cycles and a higher tolerance for risk. Your goal may be to identify undervalued companies that have the potential for significant growth. A note to remember is to have your own guardrails in your life and make it part of your investment constitution that you will not have more than, say, 10 per cent of your portfolio allocated to individual companies. <ol start="7"> <li>Advanced concepts, trading and speculation</li> </ol> The key with advanced concepts, alternative/speculative asset classes, day trading and options trading is again to have solid guardrails in place. Be engaged and dialled in to your investing; however, you need to understand that the best thing you can do for your future wealth is buy and hold good, broad-based indexes for the long term. We love doing advanced strategies and some wild stuff, but we have strong guardrails because these strategies may flush you if you’re not careful, and you don’t want your whole portfolio allocated to such endeavours! Edited extract from The quick start guide to investing: Learn how to invest simpler, smarter & sooner by Glen James & Nick Bradley (Wiley $32.95), available at all leading retailers. Disclaimer: Any information here is general in nature and has been prepared without considering your personal goals, financial situation, or needs. Because of this, before acting on the general advice, you should consider its appropriateness, having regard to your unique situation. You should obtain and review the Product Disclosure Statement (PDS) and Target Market Determination (TMD) relevant to the product before making any financial product decisions. It's also strongly encouraged to seek the advice of a professional financial adviser. Image credits: Shutterstock

Money & Banking

Expert's number one complaint against grey nomads

An Aussie farm contractor has taken aim at "entitled" travellers at campsites, many of whom are "grey nomads". Victoria, aged in her 30s, spends a lot of time on the road travelling for work as she "runs the bar and does a bit of camp hosting" at Charlotte Plains, an outback sheep station and campground almost 800 kilometres west of Brisbane. Through her job, Victoria said most of her clientele at the campsites are over the age of 50, and she claims most of her problems are with these older travellers. Although she "doesn't want to generalise too much", she does "feel the need to speak out about them" so the younger generation "know what not to do" and become "better people". Speaking to <a href="https://au.news.yahoo.com/the-game-changing-trend-taking-over-australian-4wd-camping-sites-021745171.html" target="_blank" rel="noopener">Yahoo News Australia</a>, Victoria said in addition to their "general sense of entitlement", grey nomads, in her experience, had a tendency to "mansplain" issues she's acutely aware of, flout campsite rules, disregard safety policies and even resort to stealing from her. "I've experienced a lot with grey nomads," she told Yahoo. "I've worked on farms for years. I'm very experienced with operating machinery. I drive my caravan well, a lot better than a lot of these guys, some of whom even need help reversing." "But I guess the biggest issue I find is handling grey nomads, in particular is theft. I travelled South America in my 20s, and the only thing that ever went missing was a jar of Vegemite. Let me tell you, if my stuff is not nailed down, with grey nomads around — they've stolen it." Victoria said it's "more than just toilet paper" that goes missing at campsites, recalling, "It will be hose fittings that are still on the hose. It could be a whole hose. A grey nomad stole my jockey wheel the other day — it's travelled the whole country in the same spot, and then the other day somebody sole it. Even my sunglasses." "I don't want to categorise all baby boomers into one, but it's just that these are the people that I deal with," she argued, adding "there are bad people in every generation" but she says she rarely encounters badly behaved travellers under 40. While Victoria says she doesn't want to over-generalise, she's been astounded by some of the disrespectful actions she's seen at the hand of the elderly travellers. Speaking out in a bid to raise awareness of campsite safety and to deter young people from "acting like baby boomers", Victoria said she hopes by making her ordeals public it'll promote more courtesy from grey nomads in the future. "The next generation is growing up fast," she said. "Hopefully the younger ones don't do the same things and are bit more courteous to others". Image credits: TikTok

Travel Trouble

Expert reveals why you shouldn’t use hotel hair dryers

An expert has shared why you should avoid using hair dryers that are provided in hotels. Many travellers rely on these handy devices that are often found in bathroom drawers in hotels, instead of packing your own hair dryer that can often take up valuable luggage space. However, trichologist Jacqui McIntosh, who focuses on diseases related to the scalp and hair, said travellers should avoid these appliances at all costs. According to the expert, there's a high chance there are bacteria and germs lurking inside the hair dryer that have been passed between hotel guests. "Using a hairdryer riddled with bacteria and germs does pose health risks and can be detrimental to your hair health," she told The Mirror. McIntosh says when the microorganisms inside a hairdryer make their way onto your hair and scalp, "they can spark infections and irritations, disrupting your hair follicles and slowing down healthy growth." Even without the worry of bacteria and germs, there's a chance of dust and mould lurking inside the appliance, which she says are "troublemakers for your scalp". "Neglected hair dryers are time bombs waiting to go off. Debris buildup inside the device spells overheating, increasing the risk of singeing your hair or scalp," she explained. McIntosh also clarified that, as pointed out in a 2009 study, hairdryers are one of the handful of items that are missed by hotel cleaning staff, so next time you’re staying in a hotel, probably best to bring your own hair dryer. Image credits: Shutterstock

Travel Trouble

What happens in an autopsy? A forensics expert explains

<div class="theconversation-article-body"><a href="https://theconversation.com/profiles/hayley-green-1542041">Hayley Green</a>, <a href="https://theconversation.com/institutions/western-sydney-university-1092">Western Sydney University</a> Sometimes it’s unclear how or why a person died. A detailed examination of the body after death, known as an autopsy or postmortem, can help find answers. Despite what you may have seen on TV crime shows, most autopsies are minimally invasive; body often stays intact throughout a mostly observational procedure. Sometimes, though, a more extended investigation is needed. Through each step of the autopsy process, the dignity and respect of the deceased is prioritised by all involved. <h2>Not every death will result in an autopsy</h2> If someone dies from natural causes, there is no evidence of suspicious circumstances or there is a recent medical history, the death is certified by a doctor. The person is then taken into the care of a funeral service. But when questions about the death remain, specialist doctors, <a href="https://pathology.health.nsw.gov.au/articles/pride-of-workmanship-award-for-nepean-mortuary-technician/">technicians</a> and support staff might investigate further. Sometimes this involves an autopsy. <h2>Non-coronial and coronial autopsies</h2> Depending on the circumstances of death, there are two types of autopsies in Australia: non-coronial and coronial. A non-coronial autopsy is done when the cause of death is known but more information is needed. For example, the family may wish to know: <ul> <li> the extent of a known medical condition that led to the death </li> <li> how effective any treatments leading up to the time of death were, or </li> <li> if there’s evidence of a potential undiagnosed medical condition that may have contributed to the death. </li> </ul> Non-coronial autopsies are done in a hospital mortuary or a forensic pathology facility by an anatomical pathologist or forensic pathologist. An anatomical pathologist is a specialist in the detection and diagnosis of disease in organs and tissues (mainly in the living). A forensic pathologist takes part in medico-legal investigations and examines the body and its organs to look for disease or injury that may have caused death. A coronial autopsy happens when death is unexpected, violent, unnatural or the result of an accident. Deaths like these are classified as “reportable” deaths; by law they must be reported to the coroner, who is a magistrate of the court with legal training. These reports (typically prepared by the police), as well as the <a href="https://legislation.nsw.gov.au/view/pdf/asmade/act-2009-41">legislation</a> relevant to the state, assist the coroner to decide whether or not to order an autopsy. This order can be a minimally invasive external examination, an internal examination of a single body cavity or an invasive multiple cavity autopsy. Coronial autopsies are done in a <a href="https://www.abc.net.au/news/2019-05-27/australias-biggest-and-newest-morgue-in-sydneys-west/11142810">forensic pathology facility</a> by a <a href="https://pathology.health.nsw.gov.au/articles/a-video-profile-of-the-role-of-forensic-pathologist-at-nsw-health-pathology">forensic pathologist</a>. <h2>The first steps</h2> Someone who has died under “reportable” circumstances will be admitted to the forensic facility. The person’s identity will be established, where possible. If the coroner orders an autopsy, the body first undergoes a CT scan, which may be enough for the forensic pathologist to determine cause of death without further investigation. If not, the body will then be laid carefully on an examination table where any clothing and personal belongings are removed. The pathologist will then do an external examination, searching the body surface and recording any visible signs of cause of death or identifying marks. These might include tattoos or scars that can establish or confirm the identity of the deceased. Photographs of the body can be taken, and body fluids such as urine, blood and vitreous fluid from the eyes are sampled and tested for drugs, poisons or other substances. In many cases, the cause of death can be determined from the external examination alone and no further examination is necessary. Other times, more invasive methods are needed. <h2>Organ removal</h2> Evisceration is the important process of removing organs for the pathologist to examine in detail to help determine cause of death. The most common evisceration technique used in Australia is known as the <a href="https://www.pathologyoutlines.com/topic/forensicsautopsytechniques.html">Letulle method</a> (sometimes called the en masse method), where organs are removed in a single large block that starts at the tongue and throat and extends to the rectum. The first step of this process involves using a scalpel to make a large incision in the skin known commonly as the y-incision. This incision extends from behind each ear, or at times, the collar bones, to the mid line of the chest (just above the sternum). The incision will be extended through the centre of the chest towards the abdomen, stopping at the front of the pelvic bone. Skin, fat and muscle layers are pulled back to expose the neck structures, abdominal organs and the rib cage. The rib cage will then be cut on each side using shears to allow the front of the chest plate to be removed, revealing the heart and lungs. After an inspection of the positioning of the organs in the chest and abdomen, the bowel can be removed. Connections between organs and the body wall are separated and the organ block is then lifted from the body. Once out, the pathologist can do a detailed examination, weighing each organ individually. They will then dissect it to determine if there are any visible signs of disease or trauma that could have contributed to the cause of death. Tissue samples will be taken from each organ for histology (studying it under a microscope) to look for evidence of a cause of death. <h2>The brain</h2> A coroner may also request an examination of the brain. This involves an incision across the scalp within the hairline where possible, so the skin can be peeled back to expose the skull. The top of the skull will be removed using an oscillating saw to access the brain, which will then be removed (after separating it from the brainstem). The pathologist will look for signs of blood clots, trauma or disease. In some <a href="https://www.abc.net.au/news/2023-08-10/domestic-violence-repetitive-head-injury-cte-routine-screening/102682870">cases</a>, the coroner may make an order to keep the brain for a longer period of time for a more detailed and thorough examination. After the autopsy is over, the organs are returned to the abdominal cavity and all incisions are stitched closed. The body can then be released to the family and funeral arrangements made. An interim report on the cause of death is prepared for the coroner and made available to the family. This will be updated with a final determination on the cause of death after test results come back. Sometimes the cause of death will be listed as “unascertained”, meaning the cause of death could not be determined.<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/232603/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/hayley-green-1542041">Hayley Green</a>, Senior Lecturer - Forensic Anthropology, <a href="https://theconversation.com/institutions/western-sydney-university-1092">Western Sydney 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/what-happens-in-an-autopsy-a-forensics-expert-explains-232603">original article</a>. </div>

Body

Your parents’ income doesn’t determine yours – unless you’re ultra rich or extremely poor

<div class="theconversation-article-body"><a href="https://theconversation.com/profiles/catherine-de-fontenay-5631">Catherine de Fontenay</a>, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</a> Australia is among the strongest global performers in terms of income mobility between the generations, according to a new <a href="https://www.pc.gov.au/research/completed/fairly-equal-mobility">Productivity Commission report</a>. The country’s long-term economic growth has led to each generation earning more than the last, on average. Our report finds 67% of the so-called <a href="https://www.businessinsider.com/xennials-born-between-millennials-and-gen-x-2017-11">“Xennial”</a> generation – those born in 1976–1982, on the cusp of the Millennial/Gen X divide – earn more than their parents did at a similar age. This is particularly true of those born into poorer families. <hr /> <iframe id="NsmB3" class="tc-infographic-datawrapper" style="border: 0;" src="https://datawrapper.dwcdn.net/NsmB3/" width="100%" height="400px" frameborder="0" scrolling="no"></iframe> <hr /> When we look at where people rank in an income distribution, the picture is a little less rosy. While children with parents at the bottom or top of the income scale are more likely to remain there, almost 15% of people with parents in the lowest income decile, remain there while just 6% move to the top. And those living in poverty - who often include renters, people from migrant backgrounds who don’t speak English at home and single parents - face some of the biggest barriers to improving their economic lot. <a href="https://www.pc.gov.au/research/completed/fairly-equal-mobility">Fairly Equal? Economic mobility in Australia</a>, released on Thursday, measures intergenerational income mobility by examining the relationship between a person’s income and the eventual income of their children. <h2>Measuring inequality</h2> Most countries anxiously monitor income distribution and economic mobility amid concerns inequality may be increasing. And countries with high inequality tend to have low mobility: the rungs of the social ladder are far apart making it difficult to move up to the next level. If mobility is low, the consequences are serious. Low mobility is discouraging, unproductive and unstable. If young people have little chance of achieving their aspirations, their wellbeing is affected. <a href="https://ideas.repec.org/p/cor/louvco/2023026.html">Social unrest is more likely</a>. And the abilities of young people from less affluent backgrounds are under-used. The next tech entrepreneur Steve Jobs may never be discovered, and many other opportunities are lost. In Australia we are used to thinking of ourselves as having inequality and mobility somewhere between Scandinavia and the US; but that comparison is not as comforting as it used to be, if inequality and mobility are worsening in the US. Our report considers people’s income mobility over the course of their lives, and across generations. If income mobility is low, people will struggle to recover from initial disadvantage, and those born into privilege will be financially secure. First we look at whether people move in the income distribution; there is a surprising amount of movement. And we look for evidence people can access opportunities throughout life, after setbacks. <h2>Recovering from setbacks</h2> There is not much evidence of recovery after a person experiences a severe illness or a job loss, perhaps because the causal factors are still at work. More encouragingly, the income of women who experience separation <a href="https://melbourneinstitute.unimelb.edu.au/__data/assets/pdf_file/0020/4815110/HILDA-User-Manual-Release-22.0.pdf">does increase</a>, eventually restoring the buying power of their household. This is in part due to well-targeted government support. For intergenerational mobility, we extended the dataset developed by <a href="https://www.aeaweb.org/articles?id=10.1257/jel.20211413">an analytical dataset</a> to measure the influence parents’ income had on the income their offspring were likely to earn. We found Australia’s intergenerational mobility is actually higher than the <a href="https://onlinelibrary.wiley.com/doi/10.1111/sjoe.12197">Scandinavian</a> countries, and second only to <a href="https://papers.ssrn.com/sol3/papers.cfm?abstract_id=3662560">Switzerland</a> among comparable studies. <hr /> <iframe id="5DFB9" class="tc-infographic-datawrapper" style="border: 0;" src="https://datawrapper.dwcdn.net/5DFB9/" width="100%" height="400px" frameborder="0" scrolling="no"></iframe> <hr /> In all countries studied there was some link between parents’ income mobility and that of children, because parents pass on tastes, ambitions and abilities. And there was greater correlation between the incomes of mothers and daughters, and fathers and sons than with parents of the opposite gender, perhaps because of role model effects. <hr /> <iframe id="BJ4hD" class="tc-infographic-datawrapper" style="border: 0;" src="https://datawrapper.dwcdn.net/BJ4hD/" width="100%" height="400px" frameborder="0" scrolling="no"></iframe> <hr /> While Australia’s strong income mobility between generations is remarkable, it’s concerning there is less mobility among those at the very bottom and top of the income distribution scale. The fact children born into the poorest families were more likely to remain in the lowest deciles, while those born into the top earning families tended to remain in the top deciles, suggests privilege is often passed on. People who grew up in frequently poor households were <a href="https://melbourneinstitute.unimelb.edu.au/__data/assets/pdf_file/0009/3537441/HILDA-Statistical-report-2020.pdf">three time more likely</a> to be poor at age 26 to 32 than those who never experienced poverty. <hr /> <iframe id="SxHBo" class="tc-infographic-datawrapper" style="border: 0;" src="https://datawrapper.dwcdn.net/SxHBo/" width="100%" height="400px" frameborder="0" scrolling="no"></iframe> <hr /> And consistent with <a href="https://www.aihw.gov.au/getmedia/37c2c8b7-328c-41e1-bace-87ed7a551777/australias-welfare-chapter-2-summary-18sept2019.pdf.aspx">other studies</a> we found children whose family received government payments were twice as likely to receive support as adults, compared with those whose families received no help. <h2>Movement in the middle</h2> Taken together, these results suggest some segmentation of opportunities. In the middle of the income distribution, there are opportunities to get ahead, and individuals’ careers are not restricted by their families’ circumstances. At the bottom, things are a lot more “sticky”, and finding opportunities to permanently escape poverty is more difficult. Some of this boils down where people live, peers, school quality and local job options. Researchers <a href="https://www.aeaweb.org/articles?id=10.1257/jel.20211413">Deutscher and Mazumder</a> (2023) have shown regional economic conditions have a big impact on mobility, and we show remoteness limits movement out of poverty. Overall, the mobility picture is extremely good news for most Australians. But this should not blind us how difficult it is to move out of poverty, especially for those in remote areas. Identifying where mobility fails to deliver allows us to focus our policy response.<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/234158/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/catherine-de-fontenay-5631">Catherine de Fontenay</a>, Honorary Fellow, Department of Economics, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</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/your-parents-income-doesnt-determine-yours-unless-youre-ultra-rich-or-extremely-poor-234158">original article</a>. </div>

Money & Banking

Why do dogs have different coats? Experts explain – and give grooming tips for different types

<div class="theconversation-article-body"> <a href="https://theconversation.com/profiles/susan-hazel-402495">Susan Hazel</a>, <a href="https://theconversation.com/institutions/university-of-adelaide-1119">University of Adelaide</a> and <a href="https://theconversation.com/profiles/mia-cobb-15211">Mia Cobb</a>, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</a> Dog hair comes in many varieties, from shaggy to short, curly to straight. If you live with a dog, you live with their hair – on your couch, in your clothes, it’s everywhere! Beyond colour, have you ever wondered what’s behind the differences in coat type? We actually know quite a lot about why dogs have different coats, and it comes down to their genes. <h2>What are the main coat types in dogs?</h2> The three main features of dog coats are how long the hairs are, whether they are curly or straight, and whether they have extra flourishes. The flourishes are called “furnishings”, and can include a hairy moustache and shaggy eyebrows. Combinations of these three features result in seven different coat types in dogs: short, wire, wire and curly, long, long with furnishings, curly, and curly with furnishings. We know from a <a href="https://www.science.org/doi/abs/10.1126/science.1177808">study of more than 1,000 dogs with varying coats</a> that differences in only three genes are responsible for this variety. The gene responsible for long hair (called FGF5) is <a href="https://learn.genetics.utah.edu/content/basics/patterns">recessive</a>, meaning dogs must have two copies of the mutated gene to have long hair. <a href="https://doi.org/10.1073/pnas.1402862111">In humans</a>, the same gene has been identified in families with excessively long eyelashes. Curly coats in dogs are related to a gene called <a href="https://www.pawprintgenetics.com/products/tests/details/173/">KRT71</a>, which affects keratin, a protein involved in hair formation. <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC2974189/">Mutations in this gene</a> in cats result in hairless (Sphynx) or curly-haired (Devon Rex) breeds. The gene responsible for furnishings (<a href="https://medlineplus.gov/genetics/gene/rspo2/">RSPO2</a>) is involved in establishing hair follicles. <a href="https://www.healthline.com/health/hair-follicle">Hair follicles</a> are small pockets in the skin that grow hair. Variations in these three genes could explain the coat type in most (but not all!) of the dogs tested. For example, the long coat of the Afghan hound is not explained by these three genes. Further study is needed to identify less common mutations and genes controlling the coat in these dogs. The earliest dog breeds would have been short-haired, as a result of the “wild-type” genes. Later changes would have arisen through mutation and deliberate selection <a href="https://theconversation.com/managing-mutations-of-a-species-the-evolution-of-dog-breeding-96635">through modern breeding practices</a>. If all three mutations are present, the dog has a long, curly coat with furnishings. An example is the Bichon Frisé. <h2>What else varies in dog coats?</h2> Dog coat types can also be single or double. In a double-coated breed such as a Labrador, there is a longer coarse layer of hairs and a softer and shorter undercoat. Wolves and ancestral dogs are single-coated, and the double coat is a result of a <a href="https://www.mdpi.com/2073-4425/10/5/323">mutation in chromosome 28</a>. In the Labrador, the mutation was probably selected for as they were bred to <a href="https://www.gov.nl.ca/releases/2023/exec/0525n07/">retrieve fishing nets in Canada</a>. The double coat is a great insulator and helps them to stay warm, even in icy water. <h2>Why does it matter what kind of coat a dog has?</h2> We know with climate change our world is going to get hotter. Dogs with a double coat are less able to tolerate heat stress, as their hair prevents heat loss. In a study of dogs <a href="https://onlinelibrary.wiley.com/doi/full/10.1111/avj.13296">suffering heat-related illness</a>, most of the 15 breeds at higher risk had double coats. The death rate in these dogs was 23%. We can only imagine how it must feel going out on a 40 degree day wearing a thick fur coat. Dogs with a double coat shed more hair than dogs with a single coat. This means even short-haired breeds, like the Labrador retriever, can shed an astonishing amount of hair. If you can’t tolerate dog hair, then a dog with a double-coat may not suit you. When we think of wool we think of sheep, but in the past <a href="https://www.si.edu/stories/woolly-dog-mystery-unlocked">woolly dogs were kept for their wool</a> that was <a href="https://www.science.org/doi/10.1126/science.adi6549">woven by Indigenous groups</a> and used to make blankets. A dog’s coat also affects how much time and effort is needed for grooming. Dogs with long or curly hair with furnishings are likely to need more time invested in their care, or visits to a professional groomer. Designer dogs (cross-bred dogs often crossed with a poodle, such as groodles), are likely to be curly with furnishings. In a US study, people with designer dogs reported meeting their dogs’ maintenance and grooming requirements was <a href="https://www.mdpi.com/2076-2615/12/23/3247">much harder than they expected</a>. It’s not just bank balances and the time needed that can suffer. If people are unable to cope with the demands of grooming long-haired dogs, lack of grooming can cause welfare problems. A study of animal cruelty cases in New York found <a href="https://www.frontiersin.org/articles/10.3389/fvets.2022.827348/full">13% involved hair matting</a>, with some hair mats causing strangulation wounds and 93% of affected dogs having long hair. <h2>How can you prevent problems?</h2> If you have a curly- or long-haired breed of dog, it will help to train them to like being brushed from an early age. You can do this by counter-conditioning so they have a positive emotional response to being groomed, rather than feeling anxious. First show the brush or lightly brush them, then give them a treat. They learn to associate being brushed with something positive. If you take your dog to the groomer, it’s very important their first experience is positive. A scary or painful incident will make it much more difficult for future grooming. Is your dog difficult to groom or hard to get out of the car at the groomers? It’s likely grooming is scary for them. Consulting a dog trainer or animal behaviourist who focuses on positive training methods can help a lot. Keeping your dog well groomed, no matter their hair type, will keep them comfortable. More important than looking great, feeling good is an essential part of dogs living their best lives with us.<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/232480/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/susan-hazel-402495">Susan Hazel</a>, Associate Professor, School of Animal and Veterinary Science, <a href="https://theconversation.com/institutions/university-of-adelaide-1119">University of Adelaide</a> and <a href="https://theconversation.com/profiles/mia-cobb-15211">Mia Cobb</a>, Research Fellow, Animal Welfare Science Centre, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</a> 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/why-do-dogs-have-different-coats-experts-explain-and-give-grooming-tips-for-different-types-232480">original article</a>. </div>

Family & Pets

Why do I poo in the morning? A gut expert explains

<div class="theconversation-article-body"> <a href="https://theconversation.com/profiles/vincent-ho-141549">Vincent Ho</a>, <a href="https://theconversation.com/institutions/western-sydney-university-1092">Western Sydney University</a> No, you’re not imagining it. People really are more likely to poo in the morning, shortly after breakfast. Researchers have actually studied this. But why mornings? What if you tend to poo later in the day? And is it worth training yourself to be a morning pooper? To understand what makes us poo when we do, we need to consider a range of factors including our body clock, gut muscles and what we have for breakfast. Here’s what the science says. <h2>So morning poos are real?</h2> In a <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC1379343/">UK study</a> from the early 1990s, researchers asked nearly 2,000 men and women in Bristol about their bowel habits. The most common time to poo was in the <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC1379343/pdf/gut00573-0122.pdf">early morning</a>. The peak time was 7-8am for men and about an hour later for women. The researchers speculated that the earlier time for men was because they woke up earlier for work. About a decade later, <a href="https://pubmed.ncbi.nlm.nih.gov/16200717/">a Chinese study</a> found a similar pattern. Some 77% of the almost 2,500 participants said they did a poo in the morning. <h2>But why the morning?</h2> There are a few reasons. The first involves our <a href="https://theconversation.com/circadian-rhythm-nobel-what-they-discovered-and-why-it-matters-85072">circadian rhythm</a> – our 24-hour internal clock that helps regulate bodily processes, such as digestion. For healthy people, our internal clock means the muscular contractions in our colon follow <a href="https://pubmed.ncbi.nlm.nih.gov/19926812/">a distinct rhythm</a>. There’s minimal activity in the night. The deeper and more restful our sleep, the <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC4677652">fewer</a> of these muscle contractions we have. It’s one reason why we don’t tend to poo in our sleep. <figure class="align-center zoomable"><a href="https://images.theconversation.com/files/597362/original/file-20240530-21-v2gvrq.jpg?ixlib=rb-4.1.0&q=45&auto=format&w=1000&fit=clip"><img src="https://images.theconversation.com/files/597362/original/file-20240530-21-v2gvrq.jpg?ixlib=rb-4.1.0&q=45&auto=format&w=754&fit=clip" sizes="(min-width: 1466px) 754px, (max-width: 599px) 100vw, (min-width: 600px) 600px, 237px" srcset="https://images.theconversation.com/files/597362/original/file-20240530-21-v2gvrq.jpg?ixlib=rb-4.1.0&q=45&auto=format&w=600&h=450&fit=crop&dpr=1 600w, https://images.theconversation.com/files/597362/original/file-20240530-21-v2gvrq.jpg?ixlib=rb-4.1.0&q=30&auto=format&w=600&h=450&fit=crop&dpr=2 1200w, https://images.theconversation.com/files/597362/original/file-20240530-21-v2gvrq.jpg?ixlib=rb-4.1.0&q=15&auto=format&w=600&h=450&fit=crop&dpr=3 1800w, https://images.theconversation.com/files/597362/original/file-20240530-21-v2gvrq.jpg?ixlib=rb-4.1.0&q=45&auto=format&w=754&h=565&fit=crop&dpr=1 754w, https://images.theconversation.com/files/597362/original/file-20240530-21-v2gvrq.jpg?ixlib=rb-4.1.0&q=30&auto=format&w=754&h=565&fit=crop&dpr=2 1508w, https://images.theconversation.com/files/597362/original/file-20240530-21-v2gvrq.jpg?ixlib=rb-4.1.0&q=15&auto=format&w=754&h=565&fit=crop&dpr=3 2262w" alt="Diagram of digestive system including colon and rectum" /></a><figcaption>Your lower gut is a muscular tube that contracts more strongly at certain times of day. <a class="source" href="https://www.shutterstock.com/image-vector/illustration-healthcare-medical-education-drawing-chart-1984316789">Vectomart/Shutterstock</a></figcaption></figure> But there’s increasing activity during the day. Contractions in our colon are most active in the morning after waking up and after any meal. One particular type of colon contraction partly controlled by our internal clock are known as “<a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC1411356/">mass movements</a>”. These are powerful contractions that push poo down to the rectum to prepare for the poo to be expelled from the body, but don’t always result in a bowel movement. In healthy people, these contractions occur a few times a day. They are more frequent in the morning than in the evening, and after meals. Breakfast is also a trigger for us to poo. When we eat and drink our stomach stretches, which triggers the “<a href="https://www.ncbi.nlm.nih.gov/books/NBK549888/">gastrocolic reflex</a>”. This reflex stimulates the colon to forcefully contract and can lead you to push existing poo in the colon out of the body. We know the gastrocolic reflex is strongest in the morning. So that explains why breakfast can be such a powerful trigger for a bowel motion. Then there’s our morning coffee. This is a very <a href="https://pubmed.ncbi.nlm.nih.gov/2338272/">powerful stimulant</a> of contractions in the sigmoid colon (the last part of the colon before the rectum) and of the rectum itself. This leads to a bowel motion. <h2>How important are morning poos?</h2> <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC1846921/pdf/brmedj02601-0041.pdf">Large international</a> <a href="https://pubmed.ncbi.nlm.nih.gov/20205503/">surveys</a> show the vast majority of people will poo between three times a day and three times a week. This still leaves a lot of people who don’t have regular bowel habits, are regular but poo at different frequencies, or who don’t always poo in the morning. So if you’re healthy, it’s much more important that your bowel habits are comfortable and regular for you. Bowel motions do not have to occur once a day in the morning. Morning poos are also not a good thing for everyone. <a href="https://gut.bmj.com/content/61/Suppl_2/A318.1">Some people</a> with <a href="https://theconversation.com/explainer-what-is-irritable-bowel-syndrome-and-what-can-i-do-about-it-102579">irritable bowel syndrome</a> feel the urgent need to poo in the morning – often several times after getting up, during and after breakfast. This can be quite distressing. It appears this early-morning rush to poo is due to overstimulation of colon contractions in the morning. <h2>Can you train yourself to be regular?</h2> Yes, for example, to help treat constipation using the gastrocolic reflex. Children and elderly people with constipation can use the toilet immediately after eating breakfast <a href="https://www.ncbi.nlm.nih.gov/books/NBK549888/">to relieve symptoms</a>. And for adults with constipation, drinking coffee regularly can help stimulate the gut, particularly in the morning. A disturbed circadian rhythm can also lead to irregular bowel motions and people more likely to poo in the <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC7147411/">evenings</a>. So better sleep habits can not only help people get a better night’s sleep, it can help them get into a more regular bowel routine. Regular physical activity and avoiding <a href="https://pubmed.ncbi.nlm.nih.gov/2787735/">sitting down a lot</a> are also important in <a href="https://pubmed.ncbi.nlm.nih.gov/16028436/">stimulating bowel movements</a>, particularly in people with constipation. We know <a href="https://theconversation.com/nervous-tummy-why-you-might-get-the-runs-before-a-first-date-106925">stress</a> can contribute to irregular bowel habits. So minimising stress and focusing on relaxation <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC5193306/">can help</a> bowel habits become more regular. Fibre from fruits and vegetables also <a href="https://pubmed.ncbi.nlm.nih.gov/665565/">helps</a> make bowel motions more regular. Finally, ensuring <a href="https://theconversation.com/health-check-what-causes-constipation-114290">adequate hydration</a> helps minimise the chance of developing constipation, and helps make bowel motions more regular. <h2>Monitoring your bowel habits</h2> Most of us consider pooing in the morning to be regular. But there’s a wide variation in normal so don’t be concerned if your poos don’t follow this pattern. It’s more important your poos are comfortable and regular for you. If there’s a major change in the regularity of your bowel habits that’s concerning you, see your GP. The reason might be as simple as a change in diet or starting a new medication. But sometimes this can signify an important change in the health of your gut. So your GP may need to arrange further investigations, which could include blood tests or imaging.<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/229624/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/vincent-ho-141549">Vincent Ho</a>, Associate Professor and clinical academic gastroenterologist, <a href="https://theconversation.com/institutions/western-sydney-university-1092">Western Sydney 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/why-do-i-poo-in-the-morning-a-gut-expert-explains-229624">original article</a>. </div>

Body

Almost half the men surveyed think they could land a passenger plane. Experts disagree

<div class="theconversation-article-body"><a href="https://theconversation.com/profiles/guido-carim-junior-1379129">Guido Carim Junior</a>, <a href="https://theconversation.com/institutions/griffith-university-828">Griffith University</a>; <a href="https://theconversation.com/profiles/chris-campbell-1414564">Chris Campbell</a>, <a href="https://theconversation.com/institutions/griffith-university-828">Griffith University</a>; <a href="https://theconversation.com/profiles/elvira-marques-1362476">Elvira Marques</a>, <a href="https://theconversation.com/institutions/griffith-university-828">Griffith University</a>; <a href="https://theconversation.com/profiles/nnenna-ike-1490692">Nnenna Ike</a>, <a href="https://theconversation.com/institutions/griffith-university-828">Griffith University</a>, and <a href="https://theconversation.com/profiles/tim-ryley-1253269">Tim Ryley</a>, <a href="https://theconversation.com/institutions/griffith-university-828">Griffith University</a> Picture this: you’re nestled comfortably in your seat cruising towards your holiday destination when a flight attendant’s voice breaks through the silence: <blockquote> Ladies and gentlemen, both pilots are incapacitated. Are there any passengers who could land this plane with assistance from air traffic control? </blockquote> If you think you could manage it, you’re not alone. <a href="https://today.yougov.com/topics/politics/survey-results/daily/2023/01/02/fd798/3">Survey results</a> published in January indicate about one-third of adult Americans think they could safely land a passenger aircraft with air traffic control’s guidance. Among male respondents, the confidence level rose to nearly 50%. Can a person with no prior training simply guide everyone to a smooth touchdown? We’ve all heard stories of passengers who saved the day when the pilot became unresponsive. For instance, last year <a href="https://www.youtube.com/watch?v=qbMoyWukjbs">Darren Harrison</a> managed to land a twin-engine aircraft in Florida – after the pilot passed out – with the guidance of an air traffic controller who also happened to be a flight instructor. However, such incidents tend to take place in small, simple aircraft. Flying a much bigger and heavier commercial jet is a completely different game. <h2>You can’t always rely on autopilot</h2> A pilot spends about 90% of their time monitoring autopilot systems and making sure everything is working as intended. The other 10% is spent managing problems, taxiing, taking off and landing. Takeoffs and landings are arguably the most difficult tasks pilots perform, and are always performed manually. Only on very few occasions, and in a handful of aircraft models, can a pilot use autopilot to land the aircraft for them. This is the exception, and not the rule. For takeoff, the aircraft must build up speed until the wings can generate enough lift to pull it into the air. The pilot must <a href="https://youtu.be/16XTAK-4Xbk?si=66yDo5g5I086Q2y2&t=65">pay close attention</a> to multiple instruments and external cues, while keeping the aircraft centred on the runway until it reaches lift-off speed. Once airborne, they must coordinate with air traffic control, follow a particular path, retract the landing gear and maintain a precise speed and direction while trying to climb. Landing is even more complicated, and requires having precise control of the aircraft’s direction and descent rate. <a href="https://youtu.be/u_it9OiTnSM?si=xNZrLB9ZH870LEa3&t=360">To land successfully</a>, a pilot must keep an appropriate speed while simultaneously managing gear and flap configuration, adhering to air traffic regulations, communicating with air traffic control and completing a number of paper and digital checklists. Once the aircraft comes close to the runway, they must accurately judge its height, reduce power and adjust the rate of descent – ensuring they land on the correct area of the runway. On the ground, they will use the brakes and reverse thrust to bring the aircraft to a complete stop before the runway ends. This all happens within just a few minutes. <figure><iframe src="https://www.youtube.com/embed/Nyx4NyMrvOs?wmode=transparent&start=0" width="440" height="260" frameborder="0" allowfullscreen="allowfullscreen"></iframe></figure> Both takeoff and landing are far too quick, technical and concentration-intensive for an untrained person to pull off. They also require a range of skills that are only gained through extensive training, such as understanding the information presented on different gauges, and being able to coordinate one’s hands and feet in a certain way. <h2>Training a pilot</h2> The journey from student to commercial pilot is a long one. It normally starts with a recreational licence, followed by a private licence, and then a commercial licence (which allows them to fly professionally). Even before stepping into a cockpit, the student must study aerodynamics, air law and flight rules, meteorology, human factors, navigation, aircraft systems, and performance and flight planning. They also need to spend time learning about the specific aircraft they will be flying. Once the fundamentals are grasped, an instructor takes them for training. Most of this training is conducted in small, lightweight aircraft – with a simulator introduced briefly towards the end. During a lesson, each manoeuvre or action is demonstrated by the instructor before the student attempts it. Their attempt may be adjusted, corrected or even terminated early in critical situations. The first ten to fifteen lessons focus on takeoff, landing, basic in-flight control and emergency management. When the students are ready, they’re allowed to “go solo” – wherein they conduct a complete flight on their own. This is a great milestone. After years of experience, they are ready to transition to a commercial aircraft. At this point they might be able to take off and land reasonably well, but they will still undergo extensive training specific to the aircraft they are flying, including hours of advanced theory, dozens of simulator sessions and hundreds of hours of real aircraft training (most of which is done with passengers onboard). So, if you’ve never even learned the basics of flying, your chances of successfully landing a passenger aircraft with air traffic control’s help are close to zero. <h2>Yet, flying is a skill like any other</h2> Aviation training has been democratised by the advent of high-end computers, virtual reality and flight simulation games such as Microsoft’s <a href="https://www.flightsimulator.com/">Flight Simulator</a> and <a href="https://www.x-plane.com/">X-Plane</a>. Anyone can now rig up a desktop flight simulator for a few thousand dollars. Ideally, such a setup should also include the basic physical controls found in a cockpit, such as a control yoke, throttle quadrant and pedals. Flight simulators provide an immersive environment in which professional pilots, students and aviation enthusiasts can develop their skills. So if you really think you could match-up against a professional, consider trying your hand at one. You almost certainly won’t be able to land an actual passenger plane by the end of it – but at least you’ll gain an appreciation for the immense skill pilots possess.<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/218037/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/guido-carim-junior-1379129">Guido Carim Junior</a>, Senior Lecturer in Aviation, <a href="https://theconversation.com/institutions/griffith-university-828">Griffith University</a>; <a href="https://theconversation.com/profiles/chris-campbell-1414564">Chris Campbell</a>, Adjunct Associate Professor, <a href="https://theconversation.com/institutions/griffith-university-828">Griffith University</a>; <a href="https://theconversation.com/profiles/elvira-marques-1362476">Elvira Marques</a>, Aviation PhD candidate, <a href="https://theconversation.com/institutions/griffith-university-828">Griffith University</a>; <a href="https://theconversation.com/profiles/nnenna-ike-1490692">Nnenna Ike</a>, Research Assistant, Griffith Aviation, <a href="https://theconversation.com/institutions/griffith-university-828">Griffith University</a>, and <a href="https://theconversation.com/profiles/tim-ryley-1253269">Tim Ryley</a>, Professor and Head of Griffith Aviation, <a href="https://theconversation.com/institutions/griffith-university-828">Griffith 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/almost-half-the-men-surveyed-think-they-could-land-a-passenger-plane-experts-disagree-218037">original article</a>. </div>

Travel Trouble

Why do we love to see unlikely animal friendships? A psychology expert explains

<div class="theconversation-article-body"><a href="https://theconversation.com/profiles/shane-rogers-575838">Shane Rogers</a>, <a href="https://theconversation.com/institutions/edith-cowan-university-720">Edith Cowan University</a> The internet is awash with stories and videos of unlikely animal friendships, often with many millions of views. This content typically shows animals from different species showing affection to one another, signifying a bond or even a “friendship”. These relationships have been captured in people’s homes, such as with <a href="https://www.abc.net.au/news/2021-09-10/meet-unlikely-friends-peggy-the-dog-and-molly-the-magpie/100447022">Molly the magpie and Peggy the dog</a>, in zoos, <a href="https://www.abc.net.au/news/2016-03-04/bear-lion-and-tiger-make-an-affectionate,-gentle-family/7222462">such as with</a> Baloo the bear, Leo the lion and Shere Khan the tiger, and even <a href="https://www.youtube.com/watch?v=_BvB0182xag&t=2300s">in the wild</a>, such as one case of <a href="https://www.huffpost.com/entry/fox-cat-friendship_n_4268629">a fox and cat living together</a> in Turkey. <figure><iframe src="https://www.youtube.com/embed/fdxU6CpvUgg?wmode=transparent&start=19" width="440" height="260" frameborder="0" allowfullscreen="allowfullscreen"></iframe></figure> A plethora of research on <a href="https://www.nature.com/articles/s41598-020-66407-w.pdf">primates</a>, <a href="https://blog.mybirdbuddy.com/post/can-birds-form-friendships">birds</a>, <a href="https://theconversation.com/the-social-lives-of-kangaroos-are-more-complex-than-we-thought-213770">kangaroos</a>, <a href="https://theconversation.com/male-dolphins-use-their-individual-names-to-build-a-complex-social-network-97780">dolphins</a>, <a href="https://www.mdpi.com/2076-2615/8/11/191">horses</a>, <a href="https://www.mdpi.com/2076-2615/12/1/126">cats</a> and <a href="https://www.nature.com/articles/s41598-022-05669-y">dogs</a> has shown many non-human animals can develop deep social bonds with their own kind. And while inter-species bonding hasn’t been studied to the same extent, videos like those mentioned above show animals from different species displaying the same affection to each other as they would to their own, such as through cuddling, playing and grooming. Why do we, as people, find these stories so enjoyable? Answering this question requires us to consider some of the nicer aspects of our own nature. <h2>When animals reflect us</h2> Witnessing animals get along well together isn’t just cute, it can also make us feel like we have things in common with other species, and feel more connected with the other life on the planet. <a href="https://www.frontiersin.org/journals/psychology/articles/10.3389/fpsyg.2014.00976/full">Decades of research</a> reveals how feeling connected to nature fosters happiness in humans. <figure><iframe src="https://www.youtube.com/embed/PrJi-P61aLY?wmode=transparent&start=7" width="440" height="260" frameborder="0" allowfullscreen="allowfullscreen"></iframe></figure> While the mechanisms behind inter-species bonding are not fully understood, <a href="https://www.frontiersin.org/articles/10.3389/fnbeh.2022.994504/full">one 2022 research review</a> suggests the mechanisms that operate in other animals’ brains during social interactions with their own are similar to those that operate in human brains. The researchers suggest that, due to the evolution of common brain mechanisms, animals engaged in social interaction may experience similar emotions to humans who engage with their own friends or loved ones. So while it’s very hard to know what this subjective social experience is like for other animals – after all, they can’t report it on a questionnaire – there’s no reason to think it isn’t similar to our own. <figure><iframe src="https://www.youtube.com/embed/ZVMsdz7aZpk?wmode=transparent&start=102" width="440" height="260" frameborder="0" allowfullscreen="allowfullscreen"></iframe></figure> <h2>Humans like co-operation and pleasant surprises</h2> Humans have <a href="https://royalsocietypublishing.org/doi/10.1098/rspb.2022.0128">evolved to enjoy co-operation</a>, which might also help explain why we enjoy seeing co-operation between different animal species. <a href="https://www.abc.net.au/listen/programs/lifematters/competition-versus-cooperation:-which-human-instinct-is-stronge/10291360">Some scholars</a> suggest the human instinct for co-operation is even stronger than our instinct for competition. Another reason we may be drawn to unlikely animal friendships is that they are, in fact, so unlikely. These interactions are surprising, and research shows humans <a href="https://www.scientificamerican.com/article/neuroscientists-learn-why/">enjoy being surprised</a>. Our brain has <a href="https://www.imperial.ac.uk/news/239331/study-reveals-human-brains-have-evolved/">evolved to be incredibly efficient</a> at categorising, solving problems and learning. Part of the reason we’re so efficient is because we are motivated to seek new knowledge and question what we think we know. In other words, we’re motivated to be <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC4635443/">curious</a>. Inter-species friendships are indeed a very curious thing. They contradict the more common assumption and observation that different species stick with their own kind. We might think “cats eat birds, so they must not like each other”. So when we see <a href="https://www.youtube.com/watch?v=bGsN7jzp5DE">a cat and a bird</a> getting along like old pals, this challenges our concept of how the natural world works. <figure><iframe src="https://www.youtube.com/embed/bGsN7jzp5DE?wmode=transparent&start=0" width="440" height="260" frameborder="0" allowfullscreen="allowfullscreen"></iframe></figure> Neuroscientists have documented that, when surprised, humans experience a release of brain chemicals responsible for making us <a href="https://www.scientificamerican.com/article/unexpected-brain-chemistry-is-behind-the-element-of-surprise/">more alert</a> and <a href="https://www.sciencedirect.com/science/article/pii/S0896627320308539">sensitive to reward</a>. It is this neurochemical reaction that produces the “pleasantness” in the feeling of being pleasantly surprised. <h2>A desire for peace and harmony</h2> Perhaps another explanation for why humans are so intrigued by inter-species friendships is because they feed a human desire for peace and harmony. These connections may be symbolic of what many people yearn for: a world where differences can be put aside in favour of a peaceful co-existence. These friendships might even prompt us to imagine, consciously or subconsciously, a future in which we become more enlightened as a species. One could argue a key reason behind the success of the TV series <a href="https://www.youtube.com/watch?v=ANnFNfVuZeM">Star Trek</a> is its <a href="https://jacobin.com/2023/08/star-trek-solidarity-utopianism-technology-postcapitalism">optimistic take on the future of humanity</a>. Inter-species co-operation is a central theme of the show. Inter-species friendships may serve as a concrete example of breaking free of the “natural” way of being for a more peaceful way of being. And while it might only be a dream, it’s nice to watch cute animal videos that help us feel like this dream might be possible.<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/230548/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <figure><iframe src="https://www.youtube.com/embed/_BvB0182xag?wmode=transparent&start=1880" width="440" height="260" frameborder="0" allowfullscreen="allowfullscreen"></iframe></figure> <a href="https://theconversation.com/profiles/shane-rogers-575838">Shane Rogers</a>, Lecturer in Psychology, <a href="https://theconversation.com/institutions/edith-cowan-university-720">Edith Cowan 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/why-do-we-love-to-see-unlikely-animal-friendships-a-psychology-expert-explains-230548">original article</a>. </div>

Family & Pets

Battling to make ends meet? Financial planning expert offers 5 tips on how to build your budget

<div class="theconversation-article-body"><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> Every day seems to bring new headlines about rising costs. <a href="https://www.news24.com/news24/africa/news/nigerias-big-unions-call-indefinite-strike-over-fuel-prices-and-the-cost-of-living-20230926">In Nigeria</a>, unions are threatening to strike amid soaring fuel prices; the country’s inflation rate <a href="https://www.cbn.gov.ng/rates/inflrates.asp">hit 25%</a> in August. The amount it costs to fill a food basket in South Africa <a href="https://pmbejd.org.za/wp-content/uploads/2023/09/PMBEJD_Key-Data_September-2023_27092023.pdf">keeps climbing</a>. Ghanaians <a href="https://www.reuters.com/world/africa/multi-day-protests-over-economic-crisis-grip-ghanas-capital-2023-09-23/">took to the streets</a> of Accra in late September to protest about the cost of living. A <a href="https://www2.deloitte.com/us/en/insights/industry/retail-distribution/consumer-behavior-trends-state-of-the-consumer-tracker.html">recent study by the audit and consulting firm Deloitte</a> found that 75% of South Africans were concerned that the prices for everyday purchases would continue to increase, while 80% of consumers across all income groups expected the prices of groceries, household utilities and fuel to rise. This stark reality means budgeting may be more necessary than ever. If you don’t know how to create a budget, then you shouldn’t feel bad – most adults aren’t taught how to create one. And most people don’t budget, because they see it as restrictive or unsustainable. But it need not be: once you appreciate that a budget can work for you, it can be a financially empowering exercise. It’s a cornerstone of financial planning because it ensures you are living within your means and helps you remain in financial control. As a financial planning academic, I focus in <a href="https://researchprofiles.canberra.edu.au/en/persons/bomikazi-zeka/publications/">my research</a> on improving financial wellbeing and promoting savings behaviours through interventions such as budgeting. Here are five guidelines for creating a budget. <h2>1. Apps vs spreadsheet</h2> A good place to start is to choose the format of how you’re going to budget. There are several <a href="https://www.sanlamreality.co.za/wealth-sense/setting-up-a-family-budget-that-works/">online templates</a> and apps you can use for budgeting. For instance, <a href="https://www.22seven.com/">22Seven</a> has gained popularity in South Africa due to its compatibility with several financial institutions, including the country’s big five banks. Similarly, <a href="https://www.the-star.co.ke/business/kenya/2021-01-25-budgeting-using-mint-app/">Mint</a> is a popular budgeting tool that is used in Kenya and Nigeria. If you prefer to put pen to paper, some online templates come with <a href="https://www.wonga.co.za/blog/free-budget-template">free printable budgets</a>. Creating your own <a href="https://create.microsoft.com/en-us/learn/articles/how-to-make-excel-budget">Excel spreadsheet</a> is an equally good approach. What matters most is using a tool that you can commit to. <h2>2. Itemising your income and expenses</h2> A budget essentially shows how much you’re spending in relation to how much you’re earning. So once you have selected your budgeting tool, you need to fill in your income and itemise how much you’re spending on each expense in a month. A budget can be considered a cashflow statement because it allows you to track money coming in (income) and money going out (expenses). If you are living within your means, your budget should indicate a surplus – more cash inflows than cash outflows. So budgeting provides an accurate account of your short-term financial position. <h2>3. A realistic account of expenses</h2> When you look at your financial statements, fill your expenses into your budget honestly and accurately. Don’t cheat! Since everyone’s financial situation is different, your budget will also be unique. Even though there is no one-size-fits-all approach to budgeting, it should still consider all of your expenses (both regular and intermittent). A general rule of thumb is that if it’s deducted from your account then you should treat it as an expense. This includes payments for housing, medical insurance, fuel, dining out, credit card repayments and even bank fees. <h2>4. Save first, spend later</h2> Now you’ve seen how much you’re spending. Either it’s too much – and you can plan where to cut back – or you have savings at the end of the month. When compiling your budget it’s important to demarcate how much will be in the form of savings. What’s more important is getting into the habit of saving before you spend instead of saving after spending. If you spend first then you’ve deprived yourself of the opportunity to save for a rainy day. Furthermore, <a href="https://eprints.hud.ac.uk/id/eprint/10231/1/Microsoft_Word_-_submitted_version_3rd_June_201.pdf">research</a> has shown that getting into the habit of saving has a transgenerational effect: it can be considered a cultural value that is passed on from one generation to another. So think of saving as paying yourself first. Once you have done so, you won’t feel guilty for treating yourself because you’ve already done the financially responsible thing by putting your savings aside. <h2>5. Considering assets and liabilities</h2> Once you’ve become comfortable with consistently budgeting, you can take it up a notch by including your assets (everything you own with an economic value) and liabilities (everything you owe) to determine your overall financial position. You can get a clearer picture of your overall financial wellbeing by compiling a list of all your assets, for example your savings and <a href="https://www.investopedia.com/terms/h/home_equity.asp">home equity</a>, in relation to liabilities (such as bank loans). Knowing your long-term financial position can indicate how financially resilient or vulnerable you are. In the event of a financial emergency, you will know which resources you can draw upon to meet an unexpected expense. By creating a budget (and sticking to it), you can protect yourself and your household from financial shocks. Consider the alternative. Imagine you haven’t budgeted and set savings aside. If a financial emergency were to arise, your next best bet would be to borrow the funds you need. You’d have to come up with a plan to repay what you’d borrowed while also building your savings. <h2>A healthy habit</h2> Getting into the habit of budgeting isn’t easy, especially if you haven’t done it before or you’re intimidated by the process. But, as the expression goes, “a journey of a thousand miles begins with a single step”. Think of budgeting as taking a small but important step towards reclaiming control over your finances and improving your financial well-being.<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/214861/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: Getty Images 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/battling-to-make-ends-meet-financial-planning-expert-offers-5-tips-on-how-to-build-your-budget-214861">original article</a>. </div>

Money & Banking

6 major benefits of doing yoga every day, from experts

<h2>Positive effects of yoga</h2> Sometimes it’s the simplest daily practice that can have the biggest impact on your health, and yoga is proof of that. Although most forms of yoga aren’t considered to be as intense as other workout regimens (think your average cycling class!), practising yoga on a daily basis has been scientifically demonstrated to help you mentally and physically. Through breath work, meditation and holding poses that increase strength and flexibility, the body and mind reap benefits from yoga that positively impact your long-term health. It’s no wonder people have been practising yoga for over 5000 years, and that the number of Australians practising yoga doubled between 2008 and 2017 to over two million, according to the Australian Bureau of Statistics. In order to get the full scope of what practising yoga daily can really do for your body, we spoke with several experts who have seen the ways yoga has positively benefited their students, patients… and even themselves. <a href="https://gaiam.innovations.com.au/p/gaiam-yoga/mats?affiliate=GAIAM60" target="_blank" rel="noopener">Keen to try? You’ll need a mat. There’s a range of mats to suit every yoga level, check out these we recommend.</a> <h2>Yoga assists with mood regulation</h2> <img src="https://oversixtydev.blob.core.windows.net/media/2024/03/6benefitsyoga_getty2.jpg" alt="" width="1280" height="720" /> Yoga teacher, Jenni Tarma, shares, “We have a wealth of research demonstrating that a regular mindfulness practice – the act of paying attention to the sensation in the body, thoughts and emotions without judgment – can reduce stress and help us to feel calmer, more productive, and generally more even-keeled in our daily lives.” After evaluating yoga history and research, one 2014 review published in Frontiers in Human Neouroscience concluded that regular yoga practice can help facilitate self-regulation (the ability to understand and manage your behaviour and reactions). Another study of adolescents between the ages of 13 and 18 found that practising yoga positively benefited emotional regulation and self-esteem. “Movement releases beneficial neurotransmitters in the brain, which helps us feel good as well as assist in mood regulation,” says yoga instructor, Evan Lawrence. “One of the things that I like about yoga specifically is that there is simultaneously a focus on physical movement and breathing.” <a href="https://www.readersdigest.com.au/culture/23-instant-mood-boosters-you-wont-want-to-live-without" target="_blank" rel="noopener">Don’t miss these instant mood boosters you won’t want to live without.</a> <h2>Yoga builds up your core strength</h2> <img src="https://oversixtydev.blob.core.windows.net/media/2024/03/6benefitsyoga_shutterstock3.jpg" alt="" width="1280" height="720" /> Personal trainer and yoga teacher, Gina Newton, says, “From a physical perspective, yoga is so great for increasing our core strength, which should be a non-negotiable part of every human’s workout.” Newton adds, “We all need our core – and especially women who have been pregnant or had children, our core strength is something we need to care for and nurture to hold us up.” According to Harvard Medical School, a stronger core benefits the body in multiple ways, including providing better posture, balance, stability, relief for lower back pain, and support through daily tasks like cleaning, working, and athletic activities or exercise. Wearing comfortable yoga gear will help you get the most out of your workout. <a href="https://gaiam.innovations.com.au/p/gaiam-apparel/apparel?affiliate=GAIAM60" target="_blank" rel="noopener">Check out these yoga clothes from Gaiam.</a> <h2>Yoga reduces stress</h2> <img src="https://oversixtydev.blob.core.windows.net/media/2024/03/6benefitsyoga_getty4.jpg" alt="" width="1280" height="720" /> “Yoga and meditation are powerful tools for stress resilience and strengthening mental health,” says holistic healthcare practitioner and yoga instructor, Nicole Renée Matthews. “Doing yoga regularly promotes mental clarity and calmness, centres and relaxes the mind, helps to relieve stress patterns and anxiety, and boosts concentration and focus.” One 2010 study from the Journal of Alternative and Complementary Medicine concluded that practising yoga can improve mood and decrease anxiety even more than a regular walking practice after participants finished a 12-week program. Researchers have also found that the breath-taking techniques involved with yoga can be part of what benefits decreased anxiety during practice. “Breath awareness, another key component of yoga, has been shown to reduce physiological markers of stress, especially when using techniques such as ‘belly breathing’ – breathing deeply so that the abdomen expands, rather than exclusively using a shallow chest breath – and elongating the exhalation,” says Tarma. “These techniques help to activate the parasympathetic nervous system, which in turn leads to less anxiety, jitteriness, and improved sleep; all things that can improve our mental health on a day-to-day basis.” <a href="https://www.readersdigest.com.au/healthsmart/conditions/mental-health/10-science-backed-ways-to-lower-your-stress-this-instant-really" target="_blank" rel="noopener">Don’t miss these science-backed ways to lower your stress this instant (really!).</a> <h2>Yoga improves brain health</h2> <img src="https://oversixtydev.blob.core.windows.net/media/2024/03/6benefitsyoga_getty5.jpg" alt="" width="1280" height="720" /> According to associate professor of psychiatry, Dr Gail Saltz, practising yoga “improves overall blood flow to the body, including the brain, [which is] helpful for cognition and memory.” One 2019 review published in Brain Plasticity concluded that behavioural interventions like yoga can help “mitigate age-related and neurodegenerative decline” due to the positive effects a daily practice has on different parts of the functioning brain, like the hippocampus (which plays a major role in learning and memory) and the prefrontal cortex (cognitive control functions). Staying hydrated is key to maintaining optimum brain health. <a href="https://gaiam.innovations.com.au/p/takeya/water-bottles-actives-range?affiliate=GAIAM60" target="_blank" rel="noopener">These drink bottles can help you keep your water intake up throughout the day.</a> <h2>Yoga improves flexibility and mobility</h2> <img src="https://oversixtydev.blob.core.windows.net/media/2024/03/6benefitsyoga_shutterstock6.jpg" alt="" width="1280" height="720" /> “Physically, daily yoga practice allows us to engage our muscles and move through larger ranges of joint motion than we do typically moving through life,” says Lawrence. “This helps to keep us limber and flexible.” “Dedicated, daily yoga practice helps with flexibility and strength, which can help improve your posture, as well as balance,” says yoga instructor, Samantha Hoff. “On the physical side, it also helps with joint mobility since you’ll take your joints through most – or all – of their ranges of motion.” <a href="https://www.readersdigest.com.au/healthsmart/12-best-yoga-poses-to-strengthen-bones" target="_blank" rel="noopener">Here are the best yoga poses to strengthen bones.</a> <h2>Yoga strengthens muscle and endurance</h2> <img src="https://oversixtydev.blob.core.windows.net/media/2024/03/6benefitsyoga_getty7.jpg" alt="" width="1280" height="720" /> “From a musculoskeletal perspective,” says Tarma, “yoga loads our bodies and joints in a wide variety of positions and scenarios: think longer static holds in poses that challenge our tissues’ endurance, or controlled transitions between shapes that develop strength, control and coordination. These different facets of our movement capabilities all contribute to better overall function and load-tolerance capacity. As an added bonus, because most styles of yoga are bodyweight only and move at a very moderate speed, yoga is also a generally very accessible and safe movement modality.” Yoga is the ultimate self-care activity. <a href="https://gaiam.innovations.com.au/p/gaiam-yoga/accessories/27-73312-gaiam-performance-hold-everything-yoga-backpack-bag?affiliate=GAIAM60" target="_blank" rel="noopener">Whether you do it at a studio or in the park, this handy yoga backpack bag stores everything you need for a calm yoga workout.</a> This article, written by Kiersten Hickman, originally appeared on <a href="https://www.readersdigest.com.au/culture/6-major-benefits-of-doing-yoga-every-day-from-experts" target="_blank" rel="noopener">Reader's Digest</a>. Images: Shutterstock | Getty

Body

Why is gluten-free bread so expensive? A food supply chain expert explains

<a href="https://theconversation.com/profiles/flavio-macau-998456">Flavio Macau</a>, <a href="https://theconversation.com/institutions/edith-cowan-university-720">Edith Cowan University</a> Before the cost of living hit Australian families hard, a group of consumers were already paying top dollar for their staples. Whether it be gluten free, dairy free or lactose free, people with special dietary requirements are used to spending more at the supermarket checkout. A 2016 study from the University of Wollongong found that Australians were <a href="https://onlinelibrary.wiley.com/doi/10.1111/1747-0080.12171">paying up to 17% more for a gluten-free diet</a>. Current examples are easy to find. A <a href="https://www.coles.com.au/product/coles-white-bread-650g-4901345">white sandwich loaf at Coles</a> costs A$2.40 (or A$0.37 per 100g), whereas <a href="https://www.coles.com.au/product/coles-i'm-free-from-white-loaf-500g-3216673">the cheapest gluten-free option</a> costs $5.70 (or $1.14 per 100g). That’s over three times as much. Prices are closer comparing Coles Full Cream Milk at A$1.50 per litre with Coles Lactose Free Lite Milk at A$1.60, the exception that confirms the rule. So why are allergen-free products more expensive? <h2>Is it the ingredients?</h2> If manufacturers pay more for ingredients, this is usually reflected in the price of the final product. Regular and gluten-free bread share many common ingredients, but there is a substantial change where wheat flour is replaced by gluten-free flour. This ingredient may cost manufacturers around two times as much given the uniqueness of gluten-free grains, seeds, and nuts. These special ingredients are not as abundant or easy to process as wheat, and are also a bit more difficult to buy in very large scale. For a simple reference, compare <a href="https://www.coles.com.au/product/coles-white-plain-flour-1kg-5881232">regular</a> and <a href="https://www.coles.com.au/product/coles-i'm-free-from-plain-flour-gluten-free-500g-2478197">gluten-free flour</a> at Coles. Gluten, <a href="https://onlinelibrary.wiley.com/doi/full/10.1111/jgh.13703">a complex mixture of hundreds of related but distinct proteins</a>, has unique properties. It is a binding agent that improves texture in recipes. Gluten-free bread therefore needs extra help to, literally, hold it together. Additional items such as thickeners, tapioca and maize starches are added to gluten-free recipes to improve viscosity and keep baked items in shape. That means a longer ingredient list and a slightly more complex manufacturing process. So, from an ingredient perspective, gluten-free bread costs more than regular bread. This applies for other allergen-free products as well. But with so many common ingredients, it is reasonable to say that this is not the main explanation. <h2>Is it manufacturing and transporting?</h2> A substantial part of price differences between regular and allergen-free foods comes from <a href="https://www.investopedia.com/terms/e/economiesofscale.asp">economies of scale</a>. Regular products are manufactured in very large quantities, while allergen-free products involve much smaller volumes. Bulk buying from large suppliers gets you bigger discounts. The more machines in a factory, the cheaper it is to run them. Larger outputs coming from the same place mean smaller costs for each individual product. Given that you have fixed costs to pay anyway, size is king. You pay the same amount for a grain mill regardless of whether you grind one kilo or one tonne of grains a day. Sure, you spend more on electricity or gas, but those are <a href="https://corporatefinanceinstitute.com/resources/accounting/fixed-and-variable-costs/">variable costs</a>. Then, there is the need for rigorous quality control. The United Nations Food and Agriculture Organization has a detailed <a href="https://www.fao.org/fao-who-codexalimentarius/sh-proxy/en/?lnk=1&url=https%253A%252F%252Fworkspace.fao.org%252Fsites%252Fcodex%252FStandards%252FCXC%2B80-2020%252FCXC_080e.pdf">code of practice on food allergen management for food business operators</a>, covering harvesting, handling, storage, transportation, packaging, and more. The <a href="https://www.foodstandards.gov.au/food-standards-code">Australia New Zealand Food Standards Code</a> also sets specific standards. Deep cleaning machines, thoroughly checking that standards are met, and scrapping whole batches when they are not makes manufacturing allergen-free products more complex and expensive. The <a href="https://www.health.wa.gov.au/-/media/Files/Corporate/general-documents/food/PDF/DOHComplianceandEnforcementPolicyVersion3.pdf">implications for non-compliance</a> vary in severity, from a simple recall to a costly infringement notice, plus <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC10574315/">reputational damage to consumer trust</a>. It is hard to exactly measure the impact of economies of scale and quality costs on the price of allergen-free products. Each manufacturer will have its own challenges and solutions. But it is reasonable to say a considerable chunk of the difference we see when comparing gluten-free bread with its regular counterpart comes from these factors. Transportation costs follow a similar rule. If it is easier and quicker to fill your trucks with regular products, while allergen-free products have a hard time making a full load, there are disadvantages in the latter. <h2>Is it the marketing strategy?</h2> The final consideration on allergen-free food prices has to do with competition and willingness to pay. A quick search on Coles’ website shows 276 results for “bread” once you remove the 42 items that are gluten-free. That means that there are many more brands and products competing for bread consumers than for gluten-free bread consumers. That’s over six to one! This means customers with dietary restrictions are at a disadvantage as they are beholden to the limited options on offer. As noted by the Australian Competition & Consumer Commission, “<a href="https://www.accc.gov.au/business/competition-and-exemptions/competition-and-anti-competitive-behaviour">competition leads to lower prices and more choice for consumers</a>”. Also, fewer allergen-free products make it to the “own brand” list. Australians are <a href="https://www.news.com.au/finance/money/costs/coles-woolworths-ownbrand-products-booming-on-back-of-costofliving-crisis/news-story/d0be8b8d6e98c0a6477959cd83da17ad">relying more on these when facing the cost-of-living crisis</a>. There is also the <a href="https://online.hbs.edu/blog/post/willingness-to-pay">willingness to pay</a>, where consumers pay more for products deemed as having higher value. <a href="https://onlinelibrary.wiley.com/doi/full/10.1111/obr.13525">Research</a> shows that on average consumers are willing to pay 30% more for food products that they perceive to be healthier. Manufacturers and retailers more often than not will capitalise on that, increasing their profit margins for allergen-free products. <h2>4 tips for saving money if you have allergies</h2> People with dietary requirements looking to ease the cost of their weekly grocery shop should use the same strategies as every savvy consumer: <ul> <li>research prices</li> <li>buy larger quantities where possible</li> <li>keep a keen eye on price reduction and items on sale</li> <li>consider replacing products tagged “allergen-free” with alternatives from other categories, such as going for rice instead of gluten-free pasta in a dish.</li> </ul> In the long run, if more customers choose allergen-free products it could lead to more volume and competition, bringing prices down. <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/223648/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/flavio-macau-998456">Flavio Macau</a>, Associate Dean - School of Business and Law, <a href="https://theconversation.com/institutions/edith-cowan-university-720">Edith Cowan University</a> Image credits: Getty Images 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/why-is-gluten-free-bread-so-expensive-a-food-supply-chain-expert-explains-223648">original article</a>.

Money & Banking

Experts shed new light on Samantha Murphy case

A panel of experts have shed new light on the case of missing mum Samantha Murphy. The mother-of-three went missing on February 4 after going for her usual morning run in a local park in Ballarat. Despite major search efforts from the missing persons squad, specialists and the local Ballarat community, she has still not been found, and now a panel of experts have gathered to discuss the possibilities of what could've happened to Murphy. Former Victorian detective Damian Marrett, criminal psychologist Dr Peter Ashkar, missing persons specialist Valentine Smith and cyber expert Nigel Phair discussed a number of different scenarios in Channel Nine's show Under Investigation on Wednesday night. “The idea that Samantha has actually wilfully left the family is just unfathomable and just implausible to me,” Dr Ashkar said. Presenter Liz Hayes, who spoke to mine shaft explorer Raymond Shaw said that there's a possibility Murphy's body has been buried in one of the abandoned mine shafts around Ballarat. “I think there could be anywhere between 4000 and 5000 gold mines just underneath the town," Shaw told Hayes. The panel agreed that the most likely scenario was that Murphy’s body had been dumped in a mineshaft after meeting with foul play, as they believe that there was "no way" Murphy fell down a mineshaft by accident, as the locals all know how to navigate the terrain. “They could be a great place to conceal a body or a crime after the fact … and you’d probably never find it,” Marrett said. Dr Ashkar added that the absence of any trace of Murphy could point to her having been attacked by a “psychopathic predator … who would know that area, like the back of their hand”. The panel also considered a potential new clue, the possible sighting of a damaged vehicle, which was alluded to in a <a href="https://www.oversixty.com.au/health/caring/major-development-in-search-for-samantha-murphy" target="_blank" rel="noopener">police statement </a>requesting for new information about the case. The experts said that if there was a damaged car in the area, it could mean that Murphy was kidnapped at the 7km point of her run and could still be alive. “I would still like to believe the very real possibility that it’s a kidnapping and she’s still alive,” Dr Ashkar said. “That’s my hope. But I absolutely feel that whoever has taken her and abducted, they are very systematic and organised and knew very well what they were doing.” Marrett added that the police’s interest in the damaged car was significant. “They didn’t just say a car, they said a damaged car, it’s so specific,” he said. “So was that damage caused with this incident or was that damage because someone saw a damaged car leave?” Image: Nine / Facebook

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