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Refinancing your home later in life – what you need to know

<p>There are many reasons why you may look to refinance your home. The obvious one is to lower mortgage repayments with a better rate. However, other reasons people refinance later in life include:</p> <ul> <li>unlocking equity to invest</li> <li>paying down other debts</li> <li>buying a holiday home</li> <li>funding extended travel</li> <li>launching a new business</li> <li>supporting children with a property deposit</li> </ul> <p>Regardless of why you want to refinance, the points below will help you navigate your options.</p> <p><strong>Changing lenders</strong></p> <p>It may have been a while since you last revisited your mortgage, meaning you may not be aware of current lending options and traps.</p> <p>A common trick lenders use is the so-called “headline rate” to grab your attention. However, this interest rate is typically not what you end up paying. It may only be an introductory rate for the first few months, or hefty fees attached may wipe out any savings.</p> <p>Banks aren’t the only ones offering loans nowadays. Registered non-bank lenders, fintechs and online lenders can refinance your mortgage and provide other credit services the same as any bank; they just don’t take cash deposits. Alternatively, you could explore credit unions and mutual societies.</p> <p>Also consider any shareholder benefits you may have. Most banks have done away with them now but may still honour pre-existing ones. If you change lenders, you could lose this entitlement – permanently.</p> <p><strong>Reverse mortgages</strong></p> <p>Generally, only available to people aged 60-plus, a reverse mortgage effectively allows you to unlock equity in your home without you needing to make immediate repayments.</p> <p>However, they often have strict conditions including:</p> <ul> <li>minimum borrowing amounts</li> <li>maximum borrowing ratios</li> <li>higher interest rates than standard mortgages</li> </ul> <p>Crucially, the interest accrues over time and is repaid when you sell, move or pass away. As such, your debt liability grows over time – potentially impacting your future living arrangements and how much is left for beneficiaries in your will. The Govt has the “loan equity scheme” as another option to lenders. I just want to highlight the need to be careful with reverse mortgages.</p> <p><strong>Changing homes</strong></p> <p>Rather than selling, downsizing could involve making an investment property your primary residence and then renting out your existing home.</p> <p>This approach may require you to refinance both loans simultaneously. There will also be tax considerations to work through – including Capital Gains Tax liabilities when you do sell, negative gearing, depreciation, and changes to your income tax.</p> <p>Then there are the lifestyle factors to weigh up, especially if you are moving to a different area:</p> <ul> <li>living expenses</li> <li>insurance and travel costs</li> <li>access to healthcare</li> <li>rental income</li> <li>property management expenses</li> </ul> <p>Remember that if you have a Self Managed Super Fund (SMSF), it CANNOT own any property that you directly use yourself, including your home.</p> <p><strong>Becoming Bank of Mum and Dad</strong></p> <p>Refinancing can unlock equity to support adult children with their first property deposit. However, it isn’t without its risks.</p> <p>Ask yourself honestly:</p> <ul> <li>Will this be a gift or loan?</li> <li>If a loan, under what terms? Will interest be applied? How and when will repayments be made? What if they default?</li> <li>What happens if their relationship breaks down, will you get your money back?</li> <li>How does going without that money affect your retirement?</li> <li>Do you have alternative assets to support you if your circumstances change?</li> <li>How does this affect inheritances or deposit contributions to your other children?</li> <li>Can you assist them another way without using your home equity?</li> </ul> <p>Draw up a written agreement outlining all conditions and scenarios to avoid disagreements in the future.</p> <p><strong>Pension impacts</strong></p> <p>Don’t overlook how refinancing your home could impact your pension. While your home is exempt from the means test, any income or assets you generate from unlocking equity is not.</p> <p>You could inadvertently see your pension amount reduced or your eligibility voided altogether. This would come as a nasty shock if you haven’t pre-budgeted for such a change!</p> <p><strong>Getting advice</strong></p> <p>To ensure you get the best bang for your buck when refinancing, be sure to enlist the help of a good:</p> <ul> <li>mortgage broker to source the best loans for your circumstances</li> <li>insurance broker to ensure your cover is right sized for your needs, risk and budget</li> <li>accountant to work through any tax implications</li> <li>estate planner to manage any changes</li> <li>financial adviser to keep your investments and financial strategy working for you</li> </ul> <p>Ultimately, decisions – including about refinancing – are only as good the information you have at hand. So, make sure you have all the relevant facts before signing on the dotted line.</p> <p><em><span style="line-height: 18.4px; font-family: Calibri, sans-serif; color: #242424;">Helen Baker is a licensed Australian financial adviser and author of the new book, Money For Life: How to build financial security from firm foundations (Major Street Publishing $32.99). Helen is among the 1% of financial planners who hold a master’s degree in the field. Proceeds from book sales are donated to charities supporting disadvantaged women and children. Find out more at </span><a style="color: #467886;" title="http://www.onyourowntwofeet.com.au/" href="http://www.onyourowntwofeet.com.au/"><span style="line-height: 18.4px; font-family: Calibri, sans-serif;">www.onyourowntwofeet.com.au</span></a></em></p> <p><em><span style="line-height: 18.4px; font-family: Calibri, sans-serif; color: #242424;">Disclaimer: The information in this article is of a general nature only and does not constitute personal financial or product advice. Any opinions or views expressed are those of the authors and do not represent those of people, institutions or organisations the owner may be associated with in a professional or personal capacity unless explicitly stated. Helen Baker is an authorised representative of BPW Partners Pty Ltd AFSL 548754.</span></em></p>

Money & Banking

Being carers costs women more than $500,000 over a lifetime, leaving them with less in retirement than men

<div class="theconversation-article-body"> <p><em><a href="https://theconversation.com/profiles/myra-hamilton-8638">Myra Hamilton</a>, <a href="https://theconversation.com/institutions/university-of-sydney-841"><em>University of Sydney</em></a></em></p> <p>By the time they retire, women typically have about <a href="https://link.springer.com/book/10.1007/978-981-97-5461-8">one third</a> less superannuation than men.</p> <p>This can amount to more than <a href="https://www.carersaustralia.com.au/wp-content/uploads/2024/03/Final-Economic-impact-income-and-retirement-Evaluate-Report-March-2022_2024EDIT.pdf">$500,000</a> when wages and super are combined over their lifetime.</p> <p>The gendered super gap has narrowed over the last few decades, as women have joined the workforce <a href="https://www.abs.gov.au/articles/changing-female-employment-over-time#:%7E:text=Women's%20participation%20in%20paid%20work,women%20are%20also%20working%20longer.">in increasing numbers</a> and the superannuation system has matured.</p> <p>But progress is too slow. If we keep tracking as we are, we can’t expect parity until <a href="https://www.womeninsuper.com.au/application/files/3816/8782/3898/7._Not_up_for_discussion.pdf">2070</a>. So why is the gap so persistent?</p> <h2>Making super compulsory</h2> <p>For most of the 20th century, Australia’s retirement incomes system produced more equal outcomes because the age pension is not linked to a person’s lifetime earnings.</p> <p>But the introduction of <a href="https://www.australianretirementtrust.com.au/learn/education-hub/superannuation-history-australia">compulsory super</a> in 1992 linked lifetime earnings and retirement income.</p> <p>The gender super gap arises because women and men have different patterns of paid work and earning over their lifetimes. Women have <a href="https://www.wgea.gov.au/the-gender-pay-gap#:%7E:text=conscious%20and%20unconscious%20discrimination%20and,responsibilities%2C%20especially%20in%20senior%20roles">14% lower</a> average weekly earnings than men. This is due to <a href="https://www.wgea.gov.au/the-gender-pay-gap#:%7E:text=conscious%20and%20unconscious%20discrimination%20and,responsibilities%2C%20especially%20in%20senior%20roles">three factors</a>:</p> <ul> <li> <p>women are much more likely to have unpaid care responsibilities. As a result, they take career breaks, work fewer hours, or work in jobs incommensurate with their skills</p> </li> <li> <p>discrimination, bias and lack of workplace flexibility mean better pay and career outcomes for men and fewer opportunities for people to combine work and career with care responsibilities</p> </li> <li> <p>occupational segregation means women are concentrated in female-dominated industries, which tend to attract lower wages than male-dominated ones.</p> </li> </ul> <p>Over a lifetime, these factors limit women’s capacity to earn and to accumulate super.</p> <p>On average, a woman in full-time permanent employment accumulates <a href="https://www.wgea.gov.au/sites/default/files/documents/Women%27s%20economic%20security%20in%20retirement.pdf">17.7% less</a> superannuation per year than a man in an equivalent role. That amounts to A$1,540 less per year. This annual shortfall compounds over time resulting in a wide gender super gap by the time women retire.</p> <h2>How does this work in practice?</h2> <p>The interruptions to work caused by providing unpaid care reduces people’s opportunities for accumulating superannuation. For example, having a child leads to substantial reductions in mothers’ workforce participation and earnings. Women’s earnings <a href="https://treasury.gov.au/sites/default/files/2023-03/p2023-372004.pdf">fall</a> by an average of 55% in the first five years after entry into parenthood.</p> <p>In contrast, research suggests men’s earnings are <a href="https://treasury.gov.au/sites/default/files/2023-03/p2023-372004.pdf">unchanged</a>, or even <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC5340267/#:%7E:text=Over%20time%2C%20unmarried%20but%20coresident,support%20for%20egalitarian%20gender%20roles.">increase</a>, after they become parents. So parenthood has a much greater impact on a mothers’ super than a fathers’. One <a href="https://melbourneinstitute.unimelb.edu.au/assets/documents/hilda-bibliography/hilda-conference-papers/2007/Parr,-Nicholas_final-paper.pdf">estimate</a> suggests having a child reduces a woman’s superannuation balance at age 60 by about $50,000 and a man’s by $5,000.</p> <p>It’s not just parenthood. <a href="https://www.aihw.gov.au/reports/australias-welfare/informal-carers">One in 10</a> Australians provide care for an ageing relative or person with a disability or chronic illness. Women do most of this unpaid care. Unpaid carers <a href="https://bristoluniversitypressdigital.com/view/journals/ijcc/6/3/article-p318.xml">often</a> reduce their working hours, withdraw from work, or put their careers on hold. Among primary carers <a href="https://www.wgea.gov.au/gender-equality-and-caring#:%7E:text=Primary%20carers%20are%20carers%20who,carers">only 58%</a> are in paid work.</p> <p>According to a <a href="https://www.carersaustralia.com.au/wp-content/uploads/2024/03/Final-Economic-impact-income-and-retirement-Evaluate-Report-March-2022_2024EDIT.pdf">recent study</a>, on average, by age 67, primary carers have lost $392,500 in lifetime earnings and $175,000 in super.</p> <p>Some older workers, especially women, also care for their grandchildren. More than a <a href="https://aifs.gov.au/sites/default/files/2022-07/Grandparents%20and%20child%20care%20in%20Australia_0.pdf">quarter</a> of grandparents of a child aged 13 or under provide care for the child in a typical week, usually while the parents work.</p> <p>In a <a href="https://nationalseniors.com.au/uploads/09151356PAC_GrandparentsChildcareLabourForceParticipation_Report_FINAL_Web_0.pdf">recent</a> study, 70% of grandparents, mostly grandmothers, providing regular childcare reported they adjusted their work to accommodate it. One in three reported it had negative impacts on their financial security as they aged.</p> <p>These factors compound over a lifetime. Many Australians provide care for multiple family members simultaneously, or at different times throughout their lives.</p> <p>Women in employment are more likely to be in lower paid positions, and lower paid industries and occupations. Employees in feminised industries such as community services (including paid care workers) and retail have among the <a href="https://www.superannuation.asn.au/wp-content/uploads/2024/01/2311_An_update_on_superannuation_account_balances_Paper_V2.pdf">lowest</a> median super balances, less than half of those of managers and professionals.</p> <h2>What is the solution?</h2> <p>The gender super gap reflects deep inequalities in the distribution of work, incomes and care responsibilities between women and men across their lives. How do we fix it?</p> <p>Policy and public debate has focused on boosting women’s workforce participation. More women in work, means higher incomes and more saving, reducing the gender super gap, right?</p> <p>Yes, up to a point and rates of <a href="https://www.abs.gov.au/articles/changing-female-employment-over-time">women’s workforce participation</a> are increasing.</p> <p>But we also know in Australia, we have a <a href="https://nationalseniors.com.au/uploads/09151356PAC_GrandparentsChildcareLabourForceParticipation_Report_FINAL_Web_0.pdf">preference</a> for some family care of young children, and for care of adults with disability and older people in the <a href="https://www.aihw.gov.au/reports/australias-welfare/australias-welfare-2017-in-brief/contents/ageing-aged-care">community</a>. This means many parents and carers will continue to have at least some interruptions to paid work, reducing their super contributions.</p> <p>We also know when women are encouraged to enter paid work, care responsibilities are often “redistributed” to other women. When mothers enter or re-enter paid work it’s often <a href="https://theconversation.com/caught-in-an-intergenerational-squeeze-grandparents-juggle-work-and-childcare-47939">grandmothers</a> who step in, frequently reducing their incomes and super. For care of ageing <a href="https://www.cambridge.org/core/journals/ageing-and-society/article/abs/an-integrative-analysis-of-sibling-influences-on-adult-childrens-caregiving-for-parents/038C6F299E62380F9C954A9A586A28CD">parents</a> it is often non-working female siblings that step in.</p> <p>As the savings potential of one group of women increases, the savings potential of another decreases.</p> <p>Where care can’t be redistributed to other women within the family, it is redistributed to paid early childhood education and care, disability support, and aged care services. All of these services are dominated by women. As a highly feminised industry, the caring roles are <a href="https://www.abc.net.au/news/2024-08-14/why-are-nurses-and-childcare-workers-so-poorly-paid/104218868">poorly remunerated</a>, so those doing the care, while paid, are themselves limited to save enough super.</p> <p>Boosting women’s workforce participation is an important step. But another is to pay super contributions to parents during the time they are off work providing childcare, as <a href="https://ministers.pmc.gov.au/gallagher/2024/super-boost-new-parents#:%7E:text=It%20means%20that%20eligible%20parents,to%20their%20nominated%20superannuation%20fund.">recently</a> agreed by the federal government.</p> <p>But we need an <a href="https://www.unsw.edu.au/newsroom/news/2015/04/carers-deserve-more-credit-in-the-retirement-incomes-debate">equivalent</a> for other kinds of unpaid carers.</p> <p>Even so, as long as care continues to circulate between different groups of women – older women, low paid women – and as long as care isn’t valued for the large social and economic contribution it makes, the gender super gap will persist.</p> <p>To close the persistent gender gap, we need to go further, encouraging greater men’s involvement in care, and providing better recognition and remuneration of unpaid and paid care.</p> <hr /> <p><em>This article is part of The Conversation’s retirement series, in which experts examine issues including how much money we need to retire, retiring with debt, the psychological impact of retiring and the benefits of getting financial advice. Read the rest of the series <a href="https://theconversation.com/au/topics/retirement-series-2024-168372">here</a>.</em><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/240323/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><a href="https://theconversation.com/profiles/myra-hamilton-8638"><em>Myra Hamilton</em></a><em>, Associate Professor, gender, ageing and care, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a></em></p> <p><em>Image credits: Shutterstock </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/being-carers-costs-women-more-than-500-000-over-a-lifetime-leaving-them-with-less-in-retirement-than-men-240323">original article</a>.</em></p> </div>

Money & Banking

"Just leave Christmas": Barnaby Joyce fires up over gender-neutral cookies

<p>Some stories are big: wars, elections, pandemics. Others are tiny – crispy, vaguely human-shaped and destined for dunking in tea.</p> <p>The humble Gingerbread Man – or rather, its gender-neutral successor, the Gingerbread Person – has sent shockwaves through Parliament House and left a trail of crumbs all the way to the nearest bakery.</p> <p>The biscuit's modern makeover has Barnaby Joyce and Nationals Senator Matt Canavan crying "Save Christmas!" faster than you can say, "Not my gumdrop buttons!"</p> <p>While many of us would struggle to find outrage over baked goods – especially baked goods with no opinion on pronouns – Joyce sees a far darker picture. For him, this is political correctness gone so far off the rails it could inspire an army of ginger-fuelled Trump supporters.</p> <p>“It’s just like, all this stuff has been forced on me, just leave it,” he declared, presumably staring down a gender-neutral cookie in his local parliamentary cafeteria. “Just leave Christmas. If you don’t want to buy Gingerbread men, you don’t have to.” Then, proving politicians aren’t immune to comedic flair, he added: “Can I have one for me and one for it on table 3?”</p> <p>Meanwhile, Senator Canavan was equally distraught at the development, lamenting the apparent death of whimsy. “Please tell me they haven’t done this to the muffin man as well?” he begged, as if imagining a bleak future where fairytale characters are stripped of gender and fun.</p> <p>If you thought Parliament was alone in this existential ginger-crisis, think again. Supermarket giant Woolworths has already abandoned the “man” for a more inclusive “Gingerbread People”, and even <em>Women’s Weekly</em>, that wholesome bastion of baking, has shared a recipe for the modern, genderless cookie.</p> <p>It was Woolworths' decision that drew particular ire from a radio caller named Harry, who tattled to Melbourne’s 3AW like a child narking on a sibling. “Woolies has decided to start selling – under their own brand – non-binary Gingerbread people,” he reported solemnly.</p> <p>This news rocked radio host Tom Elliott, who lamented that none of the gingerbread figures “resemble women”. (For clarity’s sake, it’s worth noting that Gingerbread Men have never been renowned for their realistic depiction of human anatomy.)</p> <p>Online, the social media masses weighed in with their usual measured, level-headed takes. One user proclaimed they were “too busy caring about my electricity bill doubling” to give a crumb about cookies. Another’s sarcastic sympathy dripped from the screen: “If you can’t handle a biscuit with ‘man’ in the name, simply grab a box of tissues and retreat to your safe space.”</p> <p>And in the darkest corner of the internet, one person’s exasperation boiled over: “Jesus Christ. It’s a biscuit vaguely shaped like a human. Do we need to make a biscuit gender neutral so we don’t offend people?”</p> <p>Let’s face it: the Gingerbread Man is not, and has never been, the hill anyone expected society to die on. It doesn’t vote, drive or go to Centrelink. It’s a biscuit. Yet, here we are, watching as Barnaby Joyce and Matt Canavan rise like knights to defend a sugary snack from the insidious forces of progress.</p> <p>Does the average person truly care if their Gingerbread Man identifies as a Gingerbread Person? Is anyone truly shaking with rage while browsing the supermarket biscuit aisle? Or are most of us too busy, well, eating them?</p> <p>In the end, we must ask ourselves the hard questions: Will the Muffin Man survive the purge? Is Santa’s reindeer team next? And most importantly: if they’re still delicious, does it even matter?</p> <p>For now, the only certainty is that political correctness has officially reached the snack table. Somewhere, a batch of gender-neutral gingerbread people is cooling, blissfully unaware that their mere existence has triggered a full-scale political bake-off.</p> <p>And so, in the spirit of the festive season – let’s agree to eat the biscuit and leave the outrage for another day.</p> <p><em>Images: Supplied</em></p>

Food & Wine

Jockey reunited with Melbourne Cups after leaving them in a taxi

<p>A three-time winner of the Melbourne Cup has been reunited with the prized trophies after accidentally leaving them in the back of a taxi. </p> <p>Glen Boss was on a trip to Sydney with his three winning Cups when he accidentally left them in the back of a 13cabs taxi, only realising his mistake as the cab drove away. </p> <p>Rushing to another engagement after having addressed the Ladbrokes Million Dollar Chase Calcutta in the Sydney CBD, Boss was too late to hail back the cab driver in possession of his trophies.</p> <p>Lucky for him, Sydney taxi driver Gedy Hildid was determined to return the cups to their rightful owner.</p> <p>Despite having no familiarity with racing, and certainly no idea of the significance of the cups themselves, Hildid managed to track Boss down and return his prized trophies. </p> <p>“As you would understand, the Cups mean the world to me, and I was super grateful to get them back,” Boss told <em><a href="https://www.news.com.au/travel/jockey-leaves-melbourne-cups-in-back-of-sydney-cab/news-story/65652ec657ca0a14b14575644b6106c4" target="_blank" rel="noopener">news.com.au</a></em>.</p> <p>Speaking to the publication, 13cabs Chief Operating Office Olivia Barry praised Hildid, saying, “It was such a wonderful story because the driver did not know what they were, he wasn’t familiar with racing and had no idea what he was returning.”</p> <p>“I think that’s what’s so special about that story actually, he just wanted to get them back to their owner."</p> <p>The award-winning jockey is not the only one to leave something important in a taxi, as 13cabs - Australia's largest taxi network - released its 2024 lost property list, highlighting the weirdest and wackiest items left behind by passengers.</p> <p>Amidst all the usual items of wallets and phones left in cabs, drivers were occasionally met with more unusual finds, such as a deck chair, bags of raw meat and even a prosthetic leg. </p> <p><em>Image credits: 13cabs</em></p> <p style="box-sizing: inherit; border: 0px; font-stretch: inherit; line-height: inherit; font-family: 'Helvetica Neue', HelveticaNeue, Helvetica, Arial, sans-serif; font-size-adjust: inherit; font-kerning: inherit; font-variant-alternates: inherit; font-variant-ligatures: inherit; font-variant-numeric: inherit; font-variant-east-asian: inherit; font-variant-position: inherit; font-feature-settings: inherit; font-optical-sizing: inherit; font-variation-settings: inherit; font-size: 18px; margin: 0px 0px 24px; padding: 0px; vertical-align: baseline;"> </p>

Travel Trouble

Your Go-To guide to game-changing Christmas skincare

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

Beauty & Style

Cruise passengers share why you never leave your cabin balcony door open

<p>A couple on a cruise ship have learned the hard way why you should never leave the balcony door in your cruise cabin open and unattended for too long. </p> <p>While on a cruise around the US and docked in the port of Orlando in Florida, the couple took to TikTok to share their "horror" experience of when their cabin filled up with birds. </p> <p>In the video, they opened the door to their room and were swarmed by a flock of birds as they captioned the video, "When you go on a cruise and you come back to a bunch of (bird emoji) everywhere."</p> <p>"Felt like we were living in a horror movie scene. I can breathe now because I can (laugh)about it," the passenger added.</p> <div class="embed" style="font-size: 16px; box-sizing: inherit; margin: 0px; padding: 0px; border: 0px; vertical-align: baseline; outline: currentcolor !important;"><iframe class="embedly-embed" style="box-sizing: inherit; margin: 0px; padding: 0px; border-width: 0px; border-style: none; vertical-align: baseline; width: 600px; max-width: 100%; outline: currentcolor !important;" title="tiktok embed" src="https://cdn.embedly.com/widgets/media.html?src=https%3A%2F%2Fwww.tiktok.com%2Fembed%2Fv2%2F7423175328480136491&display_name=tiktok&url=https%3A%2F%2Fwww.tiktok.com%2F%40greedy810%2Fvideo%2F7423175328480136491&image=https%3A%2F%2Fp16-pu-sign-useast8.tiktokcdn-us.com%2Fobj%2Ftos-useast5-p-0068-tx%2FoM5JajVJBIUqbExUAiiApxIM8Af9zqBEi0wBCg%3Flk3s%3Db59d6b55%26x-expires%3D1729123200%26x-signature%3DC%252F8Xte%252FDJymZpHuGaa4Y8zX%252F6AA%253D%26shp%3Db59d6b55%26shcp%3D-&key=59e3ae3acaa649a5a98672932445e203&type=text%2Fhtml&schema=tiktok" width="340" height="700" frameborder="0" scrolling="no" allowfullscreen="allowfullscreen"></iframe></div> <p>The video was taken on the Carnival Freedom cruise ship in the USA, with the couple later posting another video of a room steward catching two birds in a cardboard box.</p> <p>Viewers in the comments were a mix of amused and horrified, as one person wrote, "You're not supposed to leave your balcony door open when you're gone."</p> <p>"You have a whole Alfred Hitchcock movie in your room," another commented, comparing the scene with the film,<em> The Birds</em>.</p> <p>Others speculated that the unusual behaviour of the birds could be impacted by the nearby Hurricane Milton. </p> <p><em>Image credits: TikTok</em></p>

Cruising

Vandals wreck roadside CCTV leaving locals with $300k replacement bill

<p>Two mobile roadside cameras have been targeted and damaged by a group of young men, leaving a local Aussie council with a large replacement bill. </p> <p>Video of the incident was shared on social media over the weekend and shows about a dozen men, most of them covering their faces , pushing over a camera trailer before swinging on the boom and hitting the camera. </p> <p>The "night time shenanigans" drew a mixed reaction, with some praising their antics saying: "Not all heroes wear capes."</p> <p>Others described them as "legends" and said "good job fellas."</p> <p>However many slammed their acts of vandalism, with one person saying: "Total of 49 braincells combined."</p> <p>According to <em>Yahoo News</em>, the cameras were not monitoring drivers and are not managed by Queensland's Department of Transport and Main Roads. The cameras belonged to local government area intended to tackle anti-social behaviour and crime.</p> <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-captioned="" data-instgrm-permalink="https://www.instagram.com/reel/DAfgtmOPqxk/?utm_source=ig_embed&utm_campaign=loading" data-instgrm-version="14"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"> </div> </div> </div> <div style="padding: 19% 0;"> </div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"> </div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <div style="padding: 12.5% 0;"> </div> <div style="display: flex; flex-direction: row; margin-bottom: 14px; align-items: center;"> <div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(0px) translateY(7px);"> </div> <div style="background-color: #f4f4f4; height: 12.5px; transform: rotate(-45deg) translateX(3px) translateY(1px); width: 12.5px; flex-grow: 0; margin-right: 14px; margin-left: 2px;"> </div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(9px) translateY(-18px);"> </div> </div> <div style="margin-left: 8px;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 20px; width: 20px;"> </div> <div style="width: 0; height: 0; border-top: 2px solid transparent; border-left: 6px solid #f4f4f4; border-bottom: 2px solid transparent; transform: translateX(16px) translateY(-4px) rotate(30deg);"> </div> </div> <div style="margin-left: auto;"> <div style="width: 0px; border-top: 8px solid #F4F4F4; border-right: 8px solid transparent; transform: translateY(16px);"> </div> <div style="background-color: #f4f4f4; flex-grow: 0; height: 12px; width: 16px; transform: translateY(-4px);"> </div> <div style="width: 0; height: 0; border-top: 8px solid #F4F4F4; border-left: 8px solid transparent; transform: translateY(-4px) translateX(8px);"> </div> </div> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center; margin-bottom: 24px;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 224px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 144px;"> </div> </div> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;"><a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none;" href="https://www.instagram.com/reel/DAfgtmOPqxk/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by Its Called Straya 🇦🇺 (@its_called_straya)</a></p> </div> </blockquote> <p>"Over the last week two of Council’s mobile CCTV camera trailers have been destroyed by vandals," a spokesperson for the council told the Townsville Bulletin.</p> <p>"The total replacement cost of both trailers is estimated to be more than $300,000 to ratepayers."</p> <p>According to council officials, the cameras were damaged in the suburbs of Woodstock and Bohle. </p> <p>"Townsville City Council has an extensive CCTV camera network of more than 600 fixed cameras and six mobile trailer cameras that can be deployed across the city to reinforce Council’s commitment to community safety," the spokesperson said.</p> <p>Police are investigating the incidents, urging anyone with information to come forward. </p> <p><em>Images: Instagram</em></p>

Legal

TikTok couple slammed for leaving toddlers unattended in cruise cabin

<p>TikTok Influencers Matt and Abby Howard have been slammed online for their controversial parenting choice while on a family vacation. </p> <p>In a now deleted video, the couple explained that they had brought their sons Griffin, 2, and August, 1 on a family cruise, and they went to dinner without the boys, but monitored the room through FaceTime. </p> <p>"So we ended up taking them for 5 nights and it became apparent that they weren't enjoying it and therefore we weren't either," they said in the caption. </p> <p>"So THEN we switched our dinner time to AFTER their bedtime and FaceTimed the monitors while we ate."</p> <p>Abby noted that baby monitors "don't work on board unless you're only like 10 feet away", adding that their dinnertime solution worked out "much better for everyone" </p> <p>Social media users were quick to respond to their decision, with many highlighting the safety concerns. </p> <p>"They literally could not have gotten to them fast enough if anything had happened and I cannot stop thinking about that. It’s sickening," one wrote on Reddit. </p> <p>"It's literally common sense that you do not leave a baby alone unsupervised," another added. </p> <p>"The fact that they would so willingly leave their children in an unfamiliar environment completely alone is shocking," another added. </p> <p>"Are they seriously that f****** dumb? Do they not watch the news, have they not seen what happened to Madeline McCann?" a fourth wrote. </p> <p>Following the controversy, the couple released a video claiming that a family member was always with the children while they were at dinner, although they didn't clarify who. </p> <p>"We take our roles as parents extremely seriously and we love our children more than anything in the entire world, and we're very protective of our kids," Matt said in the video. </p> <p>"We had someone with our children at all times on this boat," he continued adding that the speculation surrounding them is "completely untrue". </p> <p>"I do want to clarify that we have not, would not, will not ever leave our children unattended. We would would never, ever want to put them in harms way in anyway," Abby added. </p> <p>She explained that her family would "tag team" to help the couple out with watching their children. </p> <p>Viewers were quick to speculate whether they were telling the truth, while others were glad they clarified. </p> <p>"Thanks for the clarification because it did come off like the boys were alone- context is everything," one wrote. </p> <p>"I hope this is the truth," another added. </p> <p>"For them to post about it like it's some genius parenting hack is just wild," a third wrote. </p> <p><em>Image: Instagram</em></p> <p> </p>

Family & Pets

"Enough is enough": Pauline Hanson calls for ban on Welcome to Country

<p>Pauline Hanson has called for a ban on Welcome to Country ceremonies at events, after an unusual version of the acknowledgement was performed at the AFL semi-final on Saturday.</p> <p>Aboriginal Elder Brendan Kerin performed the unique Welcome at Sydney’s Engie Stadium on Saturday night, sparking widespread debate as Kerin tried to explain that the Welcome to Country ceremony is intended to welcome all visitors to the land they have gathered on, rather than welcoming people to Australia itself.</p> <p>He also added other seemingly divisive aspects to his speech, stating the ceremony was not “invented to cater for white people” and Aboriginal people have been conducting the ceremony “for 250,000 years-plus”.</p> <p>After the controversial Welcome, One Nation senator Pauline Hanson took to X to call the ceremonies “racially divisive” and declaring her belief Australians are “sick and tired of them”.</p> <p>“As I have said in the past, these Welcome to Country and Acknowledgement of Country performances are one of the most racially divisive features of modern discourse in Australia,” she began.</p> <p>“Australians are sick and tired of them. They are sick of being told Australia is not their country, which is what these things effectively do. Welcomes and acknowledgements deny the citizenship and sovereignty held equally by all Australians and they need to stop."</p> <p>Hanson concluded her post by stating: “Australians should not be forced to participate in or be subjected to these divisive performances. Enough is enough.”</p> <p>While many of Hanson's followers were quick to agree with her comments, others said that they have often observed the Welcome to Country be respected and applauded, and said Elder Kerin's version of the acknowledgment was "informative" and "really respectful". </p> <p>One person wrote, “This welcome to country will have annoyed all of the right people.”</p> <p style="box-sizing: inherit; border: 0px; font-stretch: inherit; line-height: inherit; font-size-adjust: inherit; font-kerning: inherit; font-variant-alternates: inherit; font-variant-ligatures: inherit; font-variant-numeric: inherit; font-variant-east-asian: inherit; font-variant-position: inherit; font-feature-settings: inherit; font-optical-sizing: inherit; font-variation-settings: inherit; margin: 0px 0px 24px; padding: 0px; vertical-align: baseline;"><em>Image credits: Getty Images</em></p>

Legal

Kyle Sandilands' warning about new "right to disconnect" laws

<p>Kyle Sandilands has warned Aussies against "abusing the system" put in place by new 'right to disconnect' laws. </p> <p>As of August 26th, employees of large companies can legally refuse to respond to "unreasonable" after-hours calls from their employer.</p> <p>Discussing the new laws on KIIS FM on Monday morning, Sandilands warned workers about celebrating the laws too soon, as they could come with a catch depending on the leniency of employers. </p> <p>"It doesn't mean they won't railroad you out behind the scenes," the radio host said.</p> <p>Kyle then argued that while it would be illegal under the new legislation for bosses to punish workers for not responding after hours, some devious managers could find ways around the laws.</p> <p>"Don't think for a second: 'Screw that real estate agent boss'," Kyle said. "Because eventually they will find a way to get rid of you to work around the boundaries."</p> <p>Sandilands then urged Aussies not to "abuse the system", saying, "Everyone you can say, 'oh by law, I don't have to respond to that' and they will then go, 'no worries'."</p> <p>"And then they get you for every little tiny infringement. You will go if they want you to go, one way or another. So, don't abuse the system."</p> <p>Jackie O then chimed in on the debate, saying the laws were a direct response to a modern working problem. </p> <p>"I feel like that might happen," Jackie said.</p> <p>"I think it's sometimes because the thing is that work hours now are infinity. When you didn't have email and mobile phones, you never got bothered outside of work hours."</p> <p>Kyle replied, "And nothing got done. It was the late 1970s. The world spun very slowly back then."</p> <p><em>Image credits: KIIS FM</em></p>

Legal

"Leave it to the judges!": Dancing With The Stars fans rage against double elimination

<p><em>Dancing With The Stars</em> fans have unleashed on the show after two fan favourite contestants were sent home in one dramatic episode. </p> <p>Just weeks ahead of the semi-finals, Nova Peris and Julie Goodwin were sent home, but fans are disappointed to see Julie go after her improvement over the weeks on the show.</p> <p>Julie impressed the judges with her Foxtrot, scoring 27 points for the dance, while Nova scored just 19 points. </p> <p>There was no final dance-off at the end of the episode, so both contestants were sent home. </p> <p> While they were two of the lowest-scoring dances of the night, Ben Cousins was also at the bottom of the leaderboard with 21 points for his Viennese Waltz.</p> <p>Fans of the show were quick to flock to social media to complain about the double elimination, stating Ben should have gone home instead of Julie.</p> <p>"Why do they keep saving Ben, seriously?" one person asked. "Ben Cousins shouldn’t have been on in the first place. Why is he still there???" another questioned.</p> <p>"PLEASE..... STOP the audience voting!!!! Leave it to the judges!!!" another fan said, with people agreeing. "100% agree! People keep voting for footy players and well-known actors. Should be mostly about their dancing ability," someone else commented.</p> <p>"One thing is for sure... it won't be determined by how good or bad the dancers are. It's just a popularity contest when it comes to the vote," someone else complained.</p> <p>"It is so wrong getting the audience to vote. All the dancers have family there," another person pointed out.</p> <p>"Julie should have stayed," another fan said. "I am so sad to see you go, you should not have gone. You were simply amazing!" another fan wrote, tagging Julie in the comments.</p> <p><em>Image credits: Seven </em></p>

Massive cost of global outage revealed

<p>Experts have estimated that the global CrowdStrike IT outage has cost more than $1.5 billion in damages, as thousands of businesses were affected by the mass disruption. </p> <p>On Friday afternoon, thousands of workers and business who rely on the Microsoft computer system were hit with the "blue screen of death", as computers, EFTPOS machines and even the airport display screens froze. </p> <p>It was later revealed to be a bug wrought from a software update, originating from Texas-based cyber security firm CrowdStrike.</p> <p>The simple tech fail brought much of the world to its knees for hours, as airports, hospitals, shops, business, media outlets and banks were impacted. </p> <p>One American cyber expert estimated that compensation claims could easily top $1 billion USD ($1.5 billion AUD). </p> <p>However, it looks like the damages will be a lot more than that, as Business NSW estimated that in NSW alone, businesses racked up an eye-watering $200 million bill in damages. </p> <p>CrowdStrike has yet to address millions of questions about how it plans to compensate customers, although the company's CEO George Kurtz said the firm is concentrating all its efforts on fixing the problems, and that he believed most customers had been understanding.</p> <p>“My goal right now is to make sure every customer is back up and running,” Mr Kurtz said.</p> <p>“I think many of the customers understand it’s a complex environment and staying one step ahead of the bad guys requires these content updates.”</p> <p>Hundreds of thousands of businesses are expected to file for compensation with the company, as Patrick Anderson, CEO of US research firm Anderson Economic Group, told <em><a href="https://edition.cnn.com/2024/07/21/business/crowdstrike-outage-cost" target="_blank" rel="noopener">CNN</a></em>, “This outage is affecting far more consumers and businesses in a way that ranges from inconvenience to serious disruptions and resulted in out of pocket costs they can’t get back easily”.</p> <p><em>Image credits: RAJAT GUPTA/EPA-EFE/Shutterstock Editorial/Instagram</em></p>

Money & Banking

Life after the kids leave: Navigating changes and embracing empty nest syndrome

<p>As your children grow up and go to college, you dread the day they will leave your nest. When they finally leave, it is natural to feel empty and miss the familiar echoes of laughter around the dinner table. While feeling a sense of loss is natural for every parent, it shouldn’t linger. When the feeling lingers, it becomes the empty nest syndrome.</p> <h2>What Is Empty Nest Syndrome?</h2> <p>Empty nest syndrome is an emotional phase and a sense of loss that parents experience when children leave home. Your children becoming adults and leaving your nest symbolises the end of active parenting responsibilities. Since you are uncertain about what to do with the free time on your hands, you may experience a loss of identity and purpose. You have fewer chores and miss your children.</p> <p>When you have empty nest syndrome, you experience a mix of emotions. You may feel lonely and sad in an empty house. The feeling lasts a few days or weeks, but for others, it is intense and may stir up anxiety. If you have empty nest syndrome, you may feel a sense of redundancy and persistent sadness. With no more school runs and daily involvement in your kids’ lives, it’s easy to feel redundant in their lives, leaving you with a lingering sadness and restlessness.</p> <h2>How to Deal with Empty Nest Syndrome</h2> <p>If you are experiencing empty nest syndrome, you can take the following steps to live a fulfilling life:</p> <p><strong>Set New Goals</strong></p> <p>The sudden quietness that comes with children leaving the house can be jarring. However, in the silence awaits a new chapter of your life that starts with you setting new goals. Think about what you want to learn or try out, and write down the steps you need to get there. Whether it is travelling the world or picking up a new hobby, you can achieve self-fulfilment.</p> <p><strong>Identify New Ways to Strengthen Family Bonds</strong></p> <p>You need to redefine your relationships with your children and partner. Your parenting role takes centre stage in your life. As the nest empties, you have a chance to nurture the bond with your partner. Discover each other's aspirations and dreams. You can travel the world together or find new hobbies as a couple. You also need to redefine your bond with your children. Understand that the relationship with your adult children is evolving. Stay connected to your kids, but ensure they have their independence.</p> <p><strong>Adapt Your Cooking Style for Two</strong></p> <p>When you have children at home, you cook for a large family, and you are always excited to prepare the next meal. As your children move out, you have to transition to cooking in a smaller household. Downsizing meals can be challenging when you are used to preparing a large pot of food. Portioning meals to avoid cooking excess food will be challenging at first. However, you can find meal kits from meal delivery services, such as <a href="https://www.hellofresh.com.au/" target="_blank" rel="nofollow noopener">HelloFresh</a>, that offer meal kits for two. Most meal delivery services send pre-portioned ingredients to prevent food waste.</p> <h2>Discovering New Hobbies to Bring Joy and Fulfilment</h2> <p>Reduce your empty nest symptoms by finding new, exciting activities. Having new hobbies gives you a sense of fulfilment and takes up your time. Consider learning new hobbies like gardening, writing or volunteering. Join a club in the community or volunteer programs. It’s a great way to meet new people and fill up your free time with rewarding experiences.</p> <p>Empty nest syndrome is a period of transformation, and it’s important to maintain a positive attitude during this period. You can rediscover yourself and redefine your priorities. If there is a dream you had put on hold, you can pick it up.</p> <p><em>Image: Becca Tapert / Unsplash</em></p> <p><em>This is a sponsored article produced in partnership with HelloFresh.</em></p>

Family & Pets

Young woman exposes "hate" response to Origin's Welcome to Country

<p>The young woman who delivered the Welcome to Country at the State of Origin has opened up on the "overwhelming" response to it, revealing how she has "received a lot of hate".</p> <p>Savannah Fynn, 22, was invited to deliver the Welcome to Country and while it was generally well received, it also led to radio host Kyle Sandilands slamming the practice in general, saying the practice had become “overused and lost its impact”.</p> <p>Since then, Fynn revealed that she has received an overwhelming amount of hate online, with some even jumping to criticise her appearance. </p> <p>“I was just so worried I would stutter or mess up my words because I’d never spoken in front of that many people,” Fynn told <em><a title="www.dailytelegraph.com.au" href="https://www.dailytelegraph.com.au/lifestyle/stellar" target="_blank" rel="noopener" data-tgev="event119" data-tgev-container="bodylink" data-tgev-order="stellar" data-tgev-label="lifestyle" data-tgev-metric="ev">Stellar</a></em>.</p> <p>“But once I finished, I felt a moment of relief. I ran straight over to my nan, obviously one of my Elders, and I gave her a big hug and a cuddle. It’s definitely an overwhelming feeling, getting all this attention. It’s not something I’m used to at all."</p> <p>“I’m a very quiet person so this is a big change. Even though it’s all positive, I struggle with taking compliments and I get a bit shy. I’m kind of ready for it to die down!”</p> <p>“As sad as it is, being a lighter skin colour, I’ve received a lot of hate for that,” the 22-year-old university student said.</p> <p>“A lot of people have picked on the way I look, the way I speak, even coming down to having blonde hair. My hair is actually dark, I’ve just dyed it blonde."</p> <p>“I think people also get very confused as to what an Acknowledgement and Welcome actually is. We’re not welcoming you to Australia; obviously you live here."</p> <p>“We’re welcoming you to the traditional owners of that land and acknowledging the traditional land. And in terms of comments about overuse, I feel you have to respect everyone’s opinions, even if you may not agree."</p> <p>“Being a First Nations person, I find it wonderful seeing my culture embraced. But obviously you can’t please everyone.”</p> <p>Fynn is aiming to be a young role model and hopes to show “young Indigenous people that we can get up and speak”.</p> <p><em>Image credits: Nine </em></p> <p style="box-sizing: inherit; margin: 0px 0px 24px; padding: 0px; border: 0px; font-stretch: inherit; line-height: inherit; font-family: 'Helvetica Neue', HelveticaNeue, Helvetica, Arial, sans-serif; font-size-adjust: inherit; font-kerning: inherit; font-variant-alternates: inherit; font-variant-ligatures: inherit; font-variant-numeric: inherit; font-variant-east-asian: inherit; font-variant-position: inherit; font-feature-settings: inherit; font-optical-sizing: inherit; font-variation-settings: inherit; font-size: 18px; vertical-align: baseline;"> </p> <p> </p>

Neighbours fan favourite leaving Ramsay Street after 30 years

<p>After 30 years on Ramsay Street, a fan favourite actor is saying goodbye to <em>Neighbours</em>. </p> <p>Ryan Moloney, known for his longstanding role as Jarrod ‘Toadfish’ Rebecchi, announced that he would be leaving the show in an announcement video posted to the <em>Neighbours</em> Instagram page. </p> <p>The 44-year-old actor introduced himself as “formerly Jarrod ‘Toadfish’ Rebecchi" before clarifying, "That’s right, I did say formerly, because after 30 years playing Toadie, I will be leaving Ramsay Street.”</p> <p>“I can’t tell you what is happening to the character – maybe I could be the next Jim Robinson. Or maybe I’ll be the next Harold Bishop and just keep popping back over the years.”</p> <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-permalink="https://www.instagram.com/reel/C8tUG1GScZq/?utm_source=ig_embed&utm_campaign=loading" data-instgrm-version="14"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"> </div> </div> </div> <div style="padding: 19% 0;"> </div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"> </div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <div style="padding: 12.5% 0;"> </div> <div style="display: flex; flex-direction: row; margin-bottom: 14px; align-items: center;"> <div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(0px) translateY(7px);"> </div> <div style="background-color: #f4f4f4; height: 12.5px; transform: rotate(-45deg) translateX(3px) translateY(1px); width: 12.5px; flex-grow: 0; margin-right: 14px; margin-left: 2px;"> </div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(9px) translateY(-18px);"> </div> </div> <div style="margin-left: 8px;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 20px; width: 20px;"> </div> <div style="width: 0; height: 0; border-top: 2px solid transparent; border-left: 6px solid #f4f4f4; border-bottom: 2px solid transparent; transform: translateX(16px) translateY(-4px) rotate(30deg);"> </div> </div> <div style="margin-left: auto;"> <div style="width: 0px; border-top: 8px solid #F4F4F4; border-right: 8px solid transparent; transform: translateY(16px);"> </div> <div style="background-color: #f4f4f4; flex-grow: 0; height: 12px; width: 16px; transform: translateY(-4px);"> </div> <div style="width: 0; height: 0; border-top: 8px solid #F4F4F4; border-left: 8px solid transparent; transform: translateY(-4px) translateX(8px);"> </div> </div> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center; margin-bottom: 24px;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 224px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 144px;"> </div> </div> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;"><a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none;" href="https://www.instagram.com/reel/C8tUG1GScZq/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by Neighbours (@neighbours)</a></p> </div> </blockquote> <p>Moloney hinted at his career change saying he wanted to spend more time behind the camera and start working as a director. </p> <p>As part of his new career move, he shared that he’d just finished on his first <em>Neighbours</em> episode as a director.</p> <p>“Thank you all so much for all the love that you have shown me and Toadie over the years. For three decades, in fact. I’m going to miss you, I’m going to miss him, and I’m going to miss Erinsborough. But whatever you do, make sure you do not miss what is going to happen on Ramsay Street,” he said. </p> <p>The sudden news sent fans into a tizzy, with many sharing emotional reactions to the news as they prepared to farewell a character who has been with them since the 90s. </p> <p>“Omg What?! Toadie is iconic. Won’t be the same. Hopefully he comes back to Erinsborough for a visit,” wrote one viewer.</p> <p>“This is so sad! I hope he keeps ‘popping back’ to the street rather than die. I am going to miss toadie,” said another.</p> <p>Moloney made his <em>Neighbours</em> debut in 1995 as a teenager and stayed with the show until it was axed in 2022.</p> <p>He was then one of the returning cast members when the show was rebooted a year later.</p> <p><em>Image credits: Andy Barnes / FameFlynet.uk.com/Shutterstock Editorial </em></p> <p> </p>

Worrying pattern of cancellations shows Australian TV's grim future

<p>As the future of free-to-air Australian television continues to be more and more "uncertain", a worrying pattern of dozens of cancelled programs show how the industry has been in trouble for quite some time. </p> <p>In recent years, dozens of seemingly popular shows have been axed across three major networks with thousands of people across the industry preparing themselves for further cancellations, pay cuts, job losses and career changes.</p> <p>According to <a href="https://au.lifestyle.yahoo.com/exclusive-34-axed-aussie-shows-revealed-as-future-of-free-to-air-tv-uncertain-224725084.html" target="_blank" rel="noopener"><em>Yahoo Lifestyle</em></a>, 34 shows across Seven, Nine and Ten have either been axed, put on an indefinite hiatus, or quietly removed from TV schedules with no mention of it again over the last five years. </p> <p>Many Aussie TV staples such as <em>Millionaire Hot Seat</em>, <em>The Bachelor</em>, and <em>Australian Ninja Warrior</em>, which were all once the highest rated shows on television, have been binned due to declining viewership and dwindling ratings. </p> <p>Channel Ten's <em>The Masked Singer</em> has also become a casualty in the TV wars, as host Dave Hughes <a href="https://oversixty.com.au/entertainment/tv/hughesy-spills-the-beans-on-major-shows-set-to-be-axed" target="_blank" rel="noopener">shared</a> that he simply hadn't received a production schedule for the new season of the show, only to discover it had been shelved. </p> <p>In an attempt to breathe new life into the channels, newer shows like Shaynna Blaze’s <em>Country Home Rescue</em> or Kate Langbroek’s <em>My Mum, Your Dad</em> premiered, but have only survived for single seasons after failing to grab an audience. </p> <p>Even revived classics like <em>Big Brother</em>, <em>Celebrity Apprentice</em> and <em><a href="https://oversixty.com.au/entertainment/tv/channel-10-axes-another-show-amid-ratings-crisis" target="_blank" rel="noopener">Gladiators</a></em> haven’t been able to survive as they now face growing competition from streaming giants like Netflix and Stan.</p> <p>As the list of cancelled shows continues to grow, one seasoned lighting director, who asked to remain anonymous, told Yahoo Lifestyle that job insecurity for casts and crews is a major concern. </p> <p>They said, “Every year the breaks between jobs are getting longer and longer to the point a lot of us (crew) are now leaving the industry. Ten years ago we’d be booked consistently with jobs locked in 12 months in advance for all of the networks, now everyone’s scrambling to try to get on a three-day pilot shoot. Everything is so uncertain.”</p> <p>Below are all of the free-to-air shows from the last five years that haven’t been renewed.</p> <p id="channel-seven"><strong>Channel Seven</strong></p> <p>Big Brother (2001-2008, 2012-2014, 2020-2023)</p> <p>SAS Australia (2020-2023)</p> <p>This Is Your Life (1975-1980, 1995-2005, 2008, 2011, 2022-2023)</p> <p>Blow Up (2023)</p> <p>Million Dollar Island (2023)</p> <p>We Interrupt This Broadcast (2023)</p> <p>The Voice: Generations (2022)</p> <p>Big Brother VIP (2021)</p> <p>Holey Moley (2021)</p> <p>Ultimate Tag (2021)</p> <p>Wife Swap Australia (2012, 2021)</p> <p>House Rules (2013-2020)</p> <p>Plate of Origin (2020)</p> <p>Pooch Perfect (2020)</p> <p id="channel-nine"><strong>Channel Nine</strong></p> <p>Millionaire Hot Seat (2009–2023)</p> <p>My Mum, Your Dad (2022-2023)</p> <p>The Beach House Escape (2023)</p> <p>Rush (2023)</p> <p>Snackmasters (2021-2022)</p> <p>Australian Ninja Warrior (2017-2022)</p> <p>Beauty and the Geek (2009-2014, 2021-2022)</p> <p>Celebrity Apprentice (2011-2015, 2021-2022)</p> <p>Country Homes Rescue (2022)</p> <p>This Time Next Year (2017-2019)</p> <p>Australia’s Most Identical</p> <p id="channel-ten"><strong>Channel Ten</strong></p> <p>Gladiators (1995-1996, 2008, 2024)</p> <p>The Bachelor (2013-2023)</p> <p>Studio 10 (2013-2023)</p> <p>The Masked Singer (2019-2023)</p> <p>The Traitors (2022-2023)</p> <p>Would I Lie To You? Australia (2022-2023)</p> <p>The Real Love Boat (2022)</p> <p>The Bachelorette (2015-2021)</p> <p>Bachelor In Paradise (2018-2020)</p> <p><em>Image credits: Ten / Seven </em></p>

How to write creative non-fiction history

<p><em>Discovering an old photo album from the 1920s, celebrated author and adjunct professor <strong>Paul Ashton</strong> embarked on a journey to turn historical research into engaging creative non-fiction, blending meticulous evidence with captivating storytelling. Here he shares he insights on the fascinating process. </em></p> <p>One afternoon my elderly father and niece came to my home for lunch. On their way they had seen something on a council clean up. ‘We thought you might be interested in this,’ said my father handing me a small, brown photo album. I was.</p> <p>The album contained around 100 undated black and white photographs. It became apparent quickly that this was the record of a road trip done in the 1920s or 1930s. A boy, two women and a man had gone on a trip from Sydney up through New England, to Tamworth then to Brisbane and back to Sydney. Shadows in some of the images indicate that they were taken by the man and at least one of the women. The album provided the basis for my first children’s book, Palmer’s Mystery Hikes.</p> <p>One photograph stood out for me. Hundreds of people were gathered somewhere in the bush. In the far left-hand corner in the background was an elevated table covered with a large white tablecloth. With a magnifying glass I could just make out ‘Palmers [something] Hike’. In 1932 Palmer’s men and boys’ department store, in Park Street in Sydney, had established a hiking club to promote the sale of hiking apparel. You bought a ‘mystery’ ticket from New South Wales Railways with which Palmer had an arrangement; turned up at Central Station on Sunday morning; and were taken to a mystery destination. From there you did a ten-mile hike to another station and were then trained back to Sydney. There were five hikes. The third one to the Hawkesbury River attracted over 8,000 people.</p> <p>Turning historical research into believable fiction or creative non-fiction has certain demands. How do you strike a balance between historical research and evidence and the narrative form? This is a big question and will ultimately depend on many things, including the availability of primary and secondary sources and the nature of the particular narrative. But perhaps the most important question is: how do writers use the past to give their work historical dimensions and insights?</p> <p>For me, the most critical element is context. And it’s the thing most missing in much historically based fictional literature. Evoking people, places and periods involves understandings of things such as continuity and change over time, historical process – like colonisation and suburbanisation – ideologies and superstitions. Where appropriate, these should form subtle backgrounds to the narrative. Fiction and creative non-fiction as historical modes of presenting history should also show – not tell.</p> <p>My edited collection, If It’s not True It Should Be (Halstead Press), explores writing history using fictional techniques. As Peter Stanley has written in that book, ‘those who seek to illuminate the past through the imaginative recreation of historical fiction … [are] motivated by the fundamental conviction that what links the fidelity of the historian and the imagination of the historical novelist is that the work of both should be offered and read as if it were true.’</p> <p><em>ABOUT THE AUTHOR<br />Paul Ashton is adjunct professor and co-founder of the Australian Centre for Public History at the University of Technology Sydney and adjunct professor at the University of Canberra and Macquarie University. He has authored, co-authored, edited and co-edited over 40 books and is editor of the journal Public History Review. His series of creative non-fiction children’s histories – Accidental Histories – is being published by Halstead Press.</em></p> <p><em>Images: Supplied</em></p>

Books

Sleep wrinkles are real. Here’s how they leave their mark

<div class="theconversation-article-body"><em><a href="https://theconversation.com/profiles/yousuf-mohammed-858232">Yousuf Mohammed</a>, <a href="https://theconversation.com/institutions/the-university-of-queensland-805">The University of Queensland</a>; <a href="https://theconversation.com/profiles/khanh-phan-1489820">Khanh Phan</a>, <a href="https://theconversation.com/institutions/the-university-of-queensland-805">The University of Queensland</a>, and <a href="https://theconversation.com/profiles/vania-rodrigues-leite-e-silva-1497208">Vania Rodrigues Leite E. Silva</a>, <a href="https://theconversation.com/institutions/the-university-of-queensland-805">The University of Queensland</a></em></p> <p>You wake up, stagger to the bathroom and gaze into the mirror. No, you’re not imagining it. You’ve developed face wrinkles overnight. They’re sleep wrinkles.</p> <p>Sleep wrinkles are temporary. But as your skin loses its elasticity as you age, they can set in.</p> <p>Here’s what you can do to minimise the chance of them forming in the first place.</p> <h2>How side-sleeping affects your face</h2> <p>Your skin wrinkles for a number of reasons, including ageing, sun damage, smoking, poor hydration, habitual facial expressions (such as grinning, pouting, frowning, squinting) and sleeping positions.</p> <p>When you sleep on your side or stomach, your face skin is <a href="https://academic.oup.com/asj/article/36/8/931/2613967">squeezed and crushed</a> a lot more than if you sleep on your back. When you sleep on your side or stomach, gravity presses your face against the pillow. Your face skin is distorted as your skin is stretched, compressed and pulled in all directions as you move about in your sleep.</p> <p>You can reduce these external forces acting on the face by sleeping on your back or changing positions frequently.</p> <h2>Doctors can tell which side you sleep on by looking at your face</h2> <p>In a young face, sleep wrinkles are transient and disappear after waking.</p> <p>Temporary sleep wrinkles can become persistent with time and repetition. As we <a href="https://pubmed.ncbi.nlm.nih.gov/19624425/">age</a>, our skin <a href="https://pubmed.ncbi.nlm.nih.gov/22233477/">loses elasticity</a> (recoil) and extensibility (stretch), creating <a href="https://pubmed.ncbi.nlm.nih.gov/27329660/">ideal conditions</a> for sleep wrinkles or lines to set in and last longer.</p> <p>The time spent in each sleeping position, the magnitude of external forces applied to each area of the face, as well as the surface area of contact with the pillow surface, also <a href="https://pubmed.ncbi.nlm.nih.gov/27329660/">affects</a> the pattern and rate of sleep wrinkle formation.</p> <p>Skin specialists can often recognise this. People who favour sleeping on one side of their body tend to have a flatter face on their sleeping side and more visible sleep lines.</p> <h2>Can a night skincare routine avoid sleep wrinkles?</h2> <p>Collagen and elastin are two primary components of the dermis (inner layer) of skin. They form the skin structure and maintain the elasticity of skin.</p> <figure class="align-center "><img src="https://images.theconversation.com/files/593034/original/file-20240509-16-hz2ha3.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/593034/original/file-20240509-16-hz2ha3.jpg?ixlib=rb-4.1.0&q=45&auto=format&w=600&h=395&fit=crop&dpr=1 600w, https://images.theconversation.com/files/593034/original/file-20240509-16-hz2ha3.jpg?ixlib=rb-4.1.0&q=30&auto=format&w=600&h=395&fit=crop&dpr=2 1200w, https://images.theconversation.com/files/593034/original/file-20240509-16-hz2ha3.jpg?ixlib=rb-4.1.0&q=15&auto=format&w=600&h=395&fit=crop&dpr=3 1800w, https://images.theconversation.com/files/593034/original/file-20240509-16-hz2ha3.jpg?ixlib=rb-4.1.0&q=45&auto=format&w=754&h=496&fit=crop&dpr=1 754w, https://images.theconversation.com/files/593034/original/file-20240509-16-hz2ha3.jpg?ixlib=rb-4.1.0&q=30&auto=format&w=754&h=496&fit=crop&dpr=2 1508w, https://images.theconversation.com/files/593034/original/file-20240509-16-hz2ha3.jpg?ixlib=rb-4.1.0&q=15&auto=format&w=754&h=496&fit=crop&dpr=3 2262w" alt="Skin structure" /><figcaption><span class="caption">The dermis is the inner layer of skin.</span> <span class="attribution"><a class="source" href="https://www.shutterstock.com/image-vector/skin-structure-old-young-1707589036">mermaid3/Shutterstock</a></span></figcaption></figure> <p>Supplementing collagen through skincare routines to enhance skin elasticity can <a href="https://pubmed.ncbi.nlm.nih.gov/32799362/">help reduce</a> wrinkle formation.</p> <p><a href="https://pubmed.ncbi.nlm.nih.gov/30287361/">Hyaluronic</a> acid is a naturally occurring molecule in human bodies. It holds our skin’s collagen and elastin in a proper configuration, stimulates the production of <a href="https://www.mdpi.com/1420-3049/26/15/4429">collagen</a> and adds hydration, which can help slow down wrinkle formation. Hyaluronic acid is one of the most common <a href="https://pubmed.ncbi.nlm.nih.gov/30287361/">active ingredients</a> in skincare creams, gels and lotions.</p> <p>Moisturisers can hydrate the skin in <a href="https://onlinelibrary.wiley.com/doi/10.1111/j.1473-2165.2009.00421.x">different ways</a>. “Occlusive” substances produce a thin layer of oil on the skin that prevents water loss due to evaporation. “Humectants” attract and hold water in the skin, and they can differ in their capacity to bind with water, which influences the degree of skin hydration.</p> <h2>Do silk pillowcases actually make a difference?</h2> <p>Silk pillowcases can make a difference in wrinkle formation, if they let your skin glide and move, rather than adding friction and pressure on a single spot. If you can, use silk sheets and silk pillows.</p> <p>Studies have also <a href="https://academic.oup.com/asj/article/36/8/931/2613967">shown</a> pillows designed to reduce mechanical stress during sleep can prevent skin deformations. Such a pillow <a href="https://www.scirp.org/journal/paperinformation?paperid=67035#:%7E:text=Introduction-,The%20duration%20of%20sleep%20and%20the%20position%20of%20the%20face,permanent%20sleep%20lines%20with%20time.">could be useful</a> in slowing down and preventing the formation of certain facial wrinkles.</p> <p>Sleeping on your back can reduce the risk of sleep lines, as can a nighttime routine of moisturising before sleep.</p> <p>Otherwise, lifestyle choices and habits, such quitting smoking, drinking plenty of water, a healthy diet (eating enough vegetables, <a href="https://www.tandfonline.com/doi/full/10.1080/07315724.2001.10719017?casa_token=uD1flbkLyKUAAAAA%3AsMTWPmxzO3fGHAI41o80B_bWrGrOrvQFeJwF2FtIEnkd73Qmjvyhxr1-GO2kU8_Yc2LYgZp56DqHVg">fruits</a>, nuts, seeds, healthy fats, <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC5452251/pdf/nutrients-09-00521.pdf">yogurt and other fermented foods</a>) and regular use of sunscreens can help improve the appearance of the skin on our face.<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/217380/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><em><a href="https://theconversation.com/profiles/yousuf-mohammed-858232">Yousuf Mohammed</a>, Dermatology researcher, <a href="https://theconversation.com/institutions/the-university-of-queensland-805">The University of Queensland</a>; <a href="https://theconversation.com/profiles/khanh-phan-1489820">Khanh Phan</a>, Postdoctoral Research Fellow, Frazer Institute, <a href="https://theconversation.com/institutions/the-university-of-queensland-805">The University of Queensland</a>, and <a href="https://theconversation.com/profiles/vania-rodrigues-leite-e-silva-1497208">Vania Rodrigues Leite E. Silva</a>, Honorary Associate Professor, Frazer Institute, <a href="https://theconversation.com/institutions/the-university-of-queensland-805">The University of Queensland</a></em></p> <p><em>Image credits: Shutterstock</em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/sleep-wrinkles-are-real-heres-how-they-leave-their-mark-217380">original article</a>.</em></p> </div>

Body

“Selfish” husband leaves wife behind for first class upgrade on their honeymoon

<p dir="ltr">A woman has shared her frustration over a journey she took with her new husband to their honeymoon destination. </p> <p dir="ltr">The wife’s “selfish” husband was quick to ditch her on their way to Mexico for their honeymoon after he was offered an upgrade to business class. </p> <p dir="ltr">The woman took to Reddit to share the story of what began at the airport shortly after their wedding, while also explaining that as a frequent flyer, she had racked up a hefty amount of points. </p> <p dir="ltr">In comparison, her new husband is an anxious flyer, who often relies on her to keep him calm during take off and landing. </p> <p dir="ltr">“When I booked our flights I requested to use my points if an upgrade to business class became available, but made it clear I only wanted this upgrade if two seats became available... and then I basically forgot about it,” the wife explained in a Reddit thread.</p> <p dir="ltr">“Then comes the day of our flight. I was so excited for this trip, I checked us in online, all is going well, and then when we go to board, the employee scanning our boarding passes stops us.”</p> <p dir="ltr">“She says it seems that my husband was upgraded to business class, but only him and asks if that is okay.”</p> <p dir="ltr">The wife immediately replied, “No, we are on our honeymoon and would like to stay together”, however, her husband interjected, saying, “No it’s fine, I’ll go to business class.”</p> <p dir="ltr">Approximately 500 of her hard earned points went to his upgrade, while she was left alone in economy for the trip. </p> <p dir="ltr">Stunned by his response, she said: “I look at him in complete shock and he tells me that I fly all the time and have been in business class before, but he hasn’t. So he deserves a chance to experience it.</p> <p dir="ltr">“I see we are holding up the line, so I feel like I just need to agree and get on the plane.</p> <p dir="ltr">“To say I am p***ed off is an understatement.”</p> <p dir="ltr">After boarding the flight, the woman became overcome with emotion over her new husband’s actions. </p> <p dir="ltr">“Within maybe five to 10 minutes of sitting there, trying to hold back tears because my husband left me alone on our flight during our honeymoon — and use my points for his upgrade no less, he starts to text me saying he feels anxiety over flying.”</p> <p dir="ltr">Instead of expressing sympathy, she decided to ignore his texts.</p> <p dir="ltr">“I stopped looking at my phone,” the wife said.</p> <p dir="ltr">Just one hour into the flight, her husband began looking for her in economy class.</p> <p dir="ltr">“He comes to the back of the plane to find me, offers me half of his business class breakfast and asks me why I was ignoring him... because he was scared and needed me to tell him it’d be okay since I am such an experienced flyer,” she explained.</p> <p dir="ltr">“I told him maybe he should have thought about that before leaving me alone before our honeymoon even really began.”</p> <p dir="ltr">“He gets angry, tells me that this may be the only time he gets to fly business class and he was giving me half his breakfast to make up for it so I could at least be supportive of his genuine fear.”</p> <p dir="ltr">When they landed in Mexico, she tried to just “move on and forget” about what her husband did so they could enjoy their honeymoon.</p> <p dir="ltr">“But he guilt tripped me about not comforting him via text before take off and now I am wondering if I am being unreasonable and should have just let him enjoy his time in business class and assure him it’d be okay?” she wondered.</p> <p dir="ltr">She asked the internet whether she was being the a**hole for not being supportive of her husband.</p> <p dir="ltr">Many jumped to the wife’s defence, with one suggesting, “Definitely not the a**hole. Tell your husband actions have consequences and since he wanted to be in business class without you, he gets to fly without you. The fact he did this on your honeymoon trip just makes it worse.”</p> <p dir="ltr"><em>Image credits: Getty Images </em></p> <p> </p>

Travel Trouble

Why Ita Buttrose chose to leave the ABC

<p>In her last week as the head of the ABC, Ita Buttrose has broken her silence on why she chose to step down from the role. </p> <p>Speaking with <em>Stellar</em> magazine ahead of International Women's Day, the 82-year-old journalist has clarified that her decision to leave the public broadcaster had “nothing to do with current events.”</p> <p>After serving her five-year term, reports have swirled that her departure is related to the December sacking of presenter Antoinette Lattouf, who was let go after she shared a social media post about the Israel Gaza war, in which she condemned the treatment of Palestinian civilians.</p> <p>Following the controversial sacking, more than 100 of ABC's union staff slammed managing director David Anderson triggering a vote of no confidence. </p> <p>Ms Buttrose supported Mr Anderson through the ordeal, declaring it’s “abhorrent and incorrect” that he showed a lack of support for independent journalists amid Ms Lattouf’s axing.</p> <p>Due to the chaos at the ABC, many speculated that Buttrose's departure was to escape the turmoil, but she has since refuted the claims. </p> <p>“I did notify the government and the minister Michelle Rowland in August last year that I was not going to seek another term,” Ms Buttrose told <em>Stellar</em>.</p> <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-permalink="https://www.instagram.com/p/C366msrI_qc/?utm_source=ig_embed&utm_campaign=loading" data-instgrm-version="14"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"> </div> </div> </div> <div style="padding: 19% 0;"> </div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"> </div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <div style="padding: 12.5% 0;"> </div> <div style="display: flex; flex-direction: row; margin-bottom: 14px; align-items: center;"> <div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(0px) translateY(7px);"> </div> <div style="background-color: #f4f4f4; height: 12.5px; transform: rotate(-45deg) translateX(3px) translateY(1px); width: 12.5px; flex-grow: 0; margin-right: 14px; margin-left: 2px;"> </div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(9px) translateY(-18px);"> </div> </div> <div style="margin-left: 8px;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 20px; width: 20px;"> </div> <div style="width: 0; height: 0; border-top: 2px solid transparent; border-left: 6px solid #f4f4f4; border-bottom: 2px solid transparent; transform: translateX(16px) translateY(-4px) rotate(30deg);"> </div> </div> <div style="margin-left: auto;"> <div style="width: 0px; border-top: 8px solid #F4F4F4; border-right: 8px solid transparent; transform: translateY(16px);"> </div> <div style="background-color: #f4f4f4; flex-grow: 0; height: 12px; width: 16px; transform: translateY(-4px);"> </div> <div style="width: 0; height: 0; border-top: 8px solid #F4F4F4; border-left: 8px solid transparent; transform: translateY(-4px) translateX(8px);"> </div> </div> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center; margin-bottom: 24px;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 224px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 144px;"> </div> </div> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;"><a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none;" href="https://www.instagram.com/p/C366msrI_qc/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by Stellar (@stellarmag)</a></p> </div> </blockquote> <p>“Five years is quite a long time to serve the ABC. I know some chairs have gone on and done a second term, but I’m conscious that I’m a woman of a certain age. And despite [US president] Joe Biden thinking he should run another term – I don’t think he should – sometimes you need to examine yourself and say, ‘Well, I am a person of a certain age and everything’s fine, and cognitively I’m good’ but still, weigh it up. Another five years. What would it be like?" </p> <p>“You have to know in yourself when you need to step aside. I felt that. It had nothing to do with any current events.”</p> <p>Ms Buttrose went on to defend questions surrounding outside influence on the national broadcaster.</p> <p>“The role of independence of the national broadcaster is paramount to what we do. It’s enshrined in legislation,” she said.</p> <p>“The ABC and I have never been influenced by outside lobbyists, people passionate about their particular cause as politicians, commercial interests, you name it." </p> <p>“The ABC has never caved in. I’ve never caved in. Neither has the managing director nor the board.”</p> <p><em>Image credits: Getty Images</em></p>

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