Search

Dire warning issued to Aussie travellers as conflict escalates

Australians are being urged to reconsider travel to Pakistan and brace for possible flight disruptions to India following a dramatic escalation in hostilities between the two nuclear-armed South Asian nations. Updated travel advice issued by <a href="https://www.smartraveller.gov.au/" target="_blank" rel="noopener">Smartraveller</a> early Wednesday warns that the “current security situation” between India and Pakistan presents significant risks for travellers. The Department of Foreign Affairs and Trade (DFAT) is urging Australians to exercise heightened caution in both countries, with particularly stern warnings about travel to Pakistan. “We recommend you monitor local media for updates, stay alert, take official warnings seriously and follow the advice of local authorities,” the advisory reads. The alert highlights a “volatile security situation” in Pakistan, recommending that Australians reconsider any plans to travel there. It also notes that Pakistan has closed the Wagah border crossing with India, halting all cross-border travel indefinitely. “If you have plans to travel to India from Pakistan, reconsider your route and follow the advice of local authorities,” the alert states. The warning follows a major military incident early Wednesday morning, in which India reportedly fired missiles into Pakistani territory. Islamabad has vowed to retaliate, stoking fears of further escalation between the two rivals. The latest outbreak of violence stems from an April 22 attack on tourists in the Indian-administered region of Kashmir. The assault, which occurred in the popular mountain destination of Pahalgam, left 26 people dead. India has blamed Pakistan for backing the militants responsible, a charge Pakistan has denied. Flight disruptions are already being reported, and travellers are being advised to confirm flight details with airlines before heading to the airport. “Some airports in India (particularly in the north-west) may close, and airline schedules may be affected,” the DFAT alert warns. For India, the Australian government maintains a general “exercise a high degree of caution” advisory, but advises against all travel to Jammu and Kashmir and to the India-Pakistan border region, with the exception of the Atari-Wagah crossing and Manipur. The advisory also urges travellers to reconsider their need to visit Chhattisgarh and India’s border regions. The renewed tensions are part of a long and often violent history between India and Pakistan, who have fought multiple wars since gaining independence from Britain in 1947. The latest developments are of particular concern to Australia's large South Asian communities. With tensions rising and uncertainty mounting, the Australian government is urging all travellers to remain vigilant and informed. For the latest updates, Australians are encouraged to monitor <a href="https://www.smartraveller.gov.au/" target="_blank" rel="noopener">Smartraveller</a> and official government communications. Image: ABC News

Travel Trouble

UK Supreme Court makes major ruling on definition of "woman"

In a landmark ruling that has stirred celebration and concern in equal measure, the UK Supreme Court has unanimously ruled that the legal definition of "woman" refers exclusively to someone born biologically female. The decision effectively excludes transgender women from being counted as women under the Equality Act, marking a decisive turn in a years-long legal battle over gender identity and women's rights in Scotland. The case, brought by the feminist campaign group For Women Scotland (FWS), challenged guidance issued by the Scottish government that included transgender women with gender recognition certificates in official gender quotas. The ruling has been hailed as a victory by women's rights advocates who argued that expanding the definition undermined protections for biologically female people. “Everyone knows what sex is and you can't change it,” said Susan Smith, co-director of FWS, celebrating the court’s decision outside the courthouse. “It’s basic common sense. People have tried to deny science and reality. Hopefully, this now brings us back to reality.” The Supreme Court’s five justices ruled unanimously that the Equality Act permits single-sex spaces – such as women-only changing rooms, shelters, and medical services – to exclude transgender women, even those who hold gender recognition certificates. In his written opinion, Justice Patrick Hodge said that the ruling does not strip transgender people of their broader protections under UK law but rather clarifies the scope of “sex” in certain legal contexts. “Interpreting ‘sex’ as certificated sex would cut across the definitions of ‘man’ and ‘woman’… and create heterogeneous groupings,” he wrote. The dispute originated from a 2018 Scottish law requiring that at least 50% of board members of public bodies be women. The inclusion of trans women in this target was central to the legal challenge, with FWS arguing that such a move effectively redefined the concept of womanhood without parliamentary authority. Aidan O’Neill, legal counsel for FWS, told the court that “sex” should be interpreted in the “ordinary, everyday” sense, based on biology from birth. “It is an expression of one’s bodily reality,” he said. “An immutable biological state.” The ruling has sparked celebration among gender-critical activists. Outside court, campaigners from several women’s groups opened champagne and chanted, “Women’s rights are human rights.” Maya Forstater, founder of the advocacy group Sex Matters, said: “The court has given us the right answer: the protected characteristic of sex refers to reality, not paperwork.” Author JK Rowling, a vocal supporter of FWS, praised the campaigners as “extraordinary” and “tenacious.” In a post on X, she said, “In winning, they've protected the rights of women and girls across the UK.” However, the judgment has drawn sharp criticism from trans rights organisations and human rights advocates. The campaign group Scottish Trans said it was “shocked and disappointed,” warning that the ruling risks eroding legal protections for trans people. Green Party Member of the Scottish Parliament Maggie Chapman called the decision “deeply concerning” and a “huge blow to some of the most marginalised people in our society.” “Trans people have been cynically targeted and demonised by politicians and large parts of the media for far too long,” Chapman said. “This has contributed to attacks on longstanding rights and attempts to erase their existence altogether.” Amnesty International also condemned the ruling, arguing that it clashes with broader human rights standards. “A blanket policy of barring trans women from single-sex services is not a proportionate means to achieve a legitimate aim,” the organisation stated. The UK government welcomed the Supreme Court's clarification, stating, “Single-sex spaces are protected in law and will always be protected by this government.” Scotland’s semi-autonomous government, which initially defended the inclusion of trans women in public board quotas, said it accepted the court's decision. “We will now engage on the implications of the ruling,” said First Minister John Swinney. “Protecting the rights of all will underpin our actions.” The ruling is expected to have wide-reaching implications for public policy, equalities law, and gender identity debates across the UK – a country increasingly at the centre of a global reckoning on the boundaries of sex, gender and rights. Images: For Women Scotland

Legal

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

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: <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> Regardless of why you want to refinance, the points below will help you navigate your options. Changing lenders It may have been a while since you last revisited your mortgage, meaning you may not be aware of current lending options and traps. 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. 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. 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. Reverse mortgages 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. However, they often have strict conditions including: <ul> <li>minimum borrowing amounts</li> <li>maximum borrowing ratios</li> <li>higher interest rates than standard mortgages</li> </ul> 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. Changing homes Rather than selling, downsizing could involve making an investment property your primary residence and then renting out your existing home. 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. Then there are the lifestyle factors to weigh up, especially if you are moving to a different area: <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> Remember that if you have a Self Managed Super Fund (SMSF), it CANNOT own any property that you directly use yourself, including your home. Becoming Bank of Mum and Dad Refinancing can unlock equity to support adult children with their first property deposit. However, it isn’t without its risks. Ask yourself honestly: <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> Draw up a written agreement outlining all conditions and scenarios to avoid disagreements in the future. Pension impacts 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. 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! Getting advice To ensure you get the best bang for your buck when refinancing, be sure to enlist the help of a good: <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> 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. 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 <a style="color: #467886;" title="http://www.onyourowntwofeet.com.au/" href="http://www.onyourowntwofeet.com.au/">www.onyourowntwofeet.com.au</a> 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.

Money & Banking

Hanson Handover: Pauline Hanson's daughter steps into the political arena

It seems politics really does run in the family. Lee Hanson, daughter of the ever-controversial Pauline Hanson, has decided to follow in her mother’s well-trodden (and often stormy) footsteps, announcing her candidacy for a Tasmanian senate seat under the One Nation banner. Lee, who has spent the past 13 years in Tasmania – presumably perfecting her ability to handle both cold weather and heated debates – says her top priorities are cost of living, education and healthcare. All reasonable concerns, although we can't help but wonder if she’s also prepared for the free political rollercoaster ride that comes with being part of One Nation. Both mother and daughter took to the Sunrise stage to discuss this next-generation political move, and the conversation was a mix of admiration, mild surprise and the kind of family banter that makes family barbeques look tame. When host Nat Barr asked Lee why she was willingly stepping into the political firestorm, she admitted: “If you had asked me 10 years ago if I would be standing here right now, I would say, ‘Absolutely not, no way!’” Pauline, ever the proud mother, was quick to throw her support behind her daughter: “I have an immense amount of pride in her… She has a lot to offer on the floor of parliament. It’s not an easy job. It’s a tough job.” (That’s politician-speak for good luck, kid – you’ll need it.) The interview also touched on how the two Hansons navigate political disagreements. Surprisingly, there aren’t many, but Lee assures us she challenges her mother’s thinking. “No, (we) don’t argue politically," she said. "I test her thinking and provide a different context from a next generation.” Pauline, in a rare moment of concession, admitted Lee is probably “a bit more diplomatic” – which, given Pauline’s long history of fiery speeches and memorable headlines, is a bit like saying a housecat is slightly more diplomatic than a lion. The interview wrapped up with a wholesome twist, as Pauline took a moment to wish her grandson, Noah, a happy birthday. So, will Lee Hanson make her own mark in politics? Or will she remain forever in her mother’s shadow? Only time will tell. But one thing’s for sure – Australian politics just got a whole lot more interesting. Images: Sunrise

The renting trap snaring retirees – and how to avoid it

It has long been known that renting in retirement is associated with a lower quality of life. Understanding the causal factors can help you avoid a similar fate. There are many reasons why renting in retirement can be problematic. For a start, figures on how much income we need to retire comfortably usually assumes that you own your home – the cost of rent isn’t included. So, anyone using this as a guide falls well short, potentially by 20-40 per cent. Additionally: <ul> <li>Rent usually eats up a larger portion of retirement income than home ownership.</li> <li>Over time, rents typically keep rising while mortgage debts reduce.</li> <li>Home ownership provides equity to use for other investments, further boosting retirement income.</li> <li>Downsizing homeowners can make an additional superannuation contribution from the sale proceeds, which renters cannot.</li> <li>Homeowners can make accessibility modifications to meet their needs as they age, like installing ramps or rails.</li> <li>Homeowners have greater stability and aren’t subject to eviction (and moving costs) at short notice.</li> </ul> How big a problem is it? Numerous studies have highlighted the growing scale of the problem faced by renting retirees. <a style="color: #467886;" href="https://grattan.edu.au/report/renting-in-retirement-why-rent-assistance-needs-to-rise/" target="_blank" rel="noopener">The Grattan Institute</a> recently found that “two in three retirees who rent in the private market live in poverty,” and that “most older working Australians who rent do not have sufficient savings to keep paying rent in retirement.” The rental trap is also not exclusive to low-income earners. <a style="color: #467886;" href="https://everybodyshome.com.au/resources/priced-out-priced-out-an-index-of-affordable-rentals-for-australian-voters/" target="_blank" rel="noopener">Everybody’s Home</a> recently found Australians earning $100,000 per year – above the <a style="color: #467886;" href="https://www.abs.gov.au/statistics/labour/earnings-and-working-conditions/employee-earnings/latest-release" target="_blank" rel="noopener">national median of $1,396 per week</a> ($72,592 per year) – are struggling to pay their rent. The end result is that homelessness is a growing problem for over 55s – particularly women. <a style="color: #467886;" href="https://www.mercyfoundation.com.au/our-focus/ending-homelessness/older-women-and-homelessness/" target="_blank" rel="noopener">The Mercy Foundation</a> notes that homelessness among these women grew 6.6 per cent in the 2021 Census, following a huge 31 per cent increase in the 2016 Census. What is causing it? Not owning your own home in retirement is obvious answer here. But there are various contributing factors that see people forced to rent later in life, including losing their home and being financially unable to replace it. These include: <ul> <li>Divorce/separation – court and legal fees, counselling costs, division of assets (including the family home).</li> <li>Pre-retirement chronic illness – time out of the workforce for both the patient and their partner to care for them, loss of income, less going into super, and higher healthcare costs.</li> <li>Death of a partner – up-front bills like funeral expenses, surviving partner suddenly on a single income.</li> <li>Elder abuse – an estimated <a style="color: #467886;" href="https://www.aihw.gov.au/family-domestic-and-sexual-violence/population-groups/older-people#abuse" target="_blank" rel="noopener">one in six older Australians experience elder abuse</a>, including 2.1 per cent facing financial abuse.</li> <li>Domestic violence – fleeing abusive relationships with little or no money and assets.</li> <li>Climate change – loss of uninsured home/other assets as storms, floods, cyclones, and fires increase in frequency and severity.</li> <li>Scams – <a style="color: #467886;" href="https://www.nasc.gov.au/news/australians-better-protected-as-reported-scam-losses-fell-by-almost-26-per-cent" target="_blank" rel="noopener">Australians lost $2 billion to scams</a> in 2024.</li> <li>Gambling – <a style="color: #467886;" href="https://aifs.gov.au/research/research-snapshots/gambling-participation-and-experience-harm-australia" target="_blank" rel="noopener">46 per cent of gamblers are at risk of harm</a>, including losing their home.</li> <li>Housing unaffordability – soaring prices (and stamp duty) push home ownership out of reach.</li> </ul> Women often face the brunt of these effects, disadvantaged by the gender pay gap, having less in superannuation, often having primary or sole custody of children, and having less secure employment. How can you protect yourself? Thankfully, there are steps we can all take to protect ourselves and our retirement: <ul> <li>Get your foundations right for a strong financial footing – emergency fund, spending and investment plan, insurances, superannuation, estate planning.</li> <li>Make decisions jointly – letting your partner control finances alone means more risk for you and less spending oversight.</li> <li>Have contingency plans – your own bank account, independent financial and retirement plans, insurances, and back-up plans just in case.</li> <li>Get into the market ASAP – even a cheap investment property far from where you live is a financial asset and a roof over your head if needed.</li> <li>Consider co-ownership – if you can’t afford to buy property alone, split the purchase and ongoing costs with an adult child, sibling, or close friend. Alternatively, sub-let a room to offset the costs.</li> <li>Don’t settle for less – avoid accepting an unreasonable separation settlement just to resolve things quickly.</li> <li>Be alert – know the warning signs of scams, elder abuse, gambling addiction and domestic violence to avoid losing everything.</li> <li>Get independent advice – professional legal, accounting, and financial advice can help you build financial independence, create safeguards, and recover faster if disaster does strike.</li> </ul> Overall, the best thing you can do is simply to act. By being proactive instead of burying your head in the sand, your future self stands a much better chance of enjoying a comfortable retirement! 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 <a style="color: #467886;" title="http://www.onyourowntwofeet.com.au/" href="http://www.onyourowntwofeet.com.au/" target="_blank" rel="noopener">www.onyourowntwofeet.com.au</a> 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. Image: Shutterstock

Money & Banking

Mysterious leg pain that’s quietly killing older Australians

Peripheral Artery Disease (PAD) has long been overshadowed by its more widely recognised counterparts, such as heart attacks and strokes. Often referred to as the “poor cousin” or “Cinderella” of cardiovascular diseases, PAD affects one in five older Australians, yet it remains largely under-diagnosed and misunderstood. However, a wave of optimism is sweeping through the medical community with the launch of <a href="https://www.hri.org.au/our-research/centreforpad" target="_blank" rel="noopener">The Centre for Peripheral Artery Disease</a>, an Australian-first facility dedicated to pioneering research and improving patient outcomes. Spearheaded by the Heart Research Institute, the Centre for Peripheral Artery Disease, marks a significant step forward in addressing the challenges posed by PAD. The centre aims to fill critical gaps in our understanding of the disease, which is responsible for a limb amputation in Australia every two hours. This initiative promises to enhance diagnosis, transform patient care, and raise awareness about PAD. Associate Professor Mary Kavurma, the Centre Lead, is at the forefront of this ground-breaking effort. “We’re supercharging research into PAD because there are still many unknowns about the disease’s biology that could unlock new methods for early detection and better management,” she explains. This research is particularly urgent given the prevalence of PAD among women and First Nations Australians, groups that remain disproportionately affected by this condition. The centre’s mission is to develop a simple blood test for early diagnosis and explore novel therapies that could reduce the need for limb amputations and significantly improve patients’ quality of life. Unlike current treatments that primarily focus on symptom management, this new approach seeks to prevent the disease from progressing. One of the most inspiring aspects of the centre is its commitment to involving patients and their families in the research process. At the inaugural consumer meeting, nearly 20 patients and their carers shared their personal experiences with PAD. Take the story of Simon Josephson, a renowned advertising guru – who famously designed the Solo logo. PAD almost cost him his life after taking more than five years to diagnose. He woke up one morning with a sore leg, thinking he’d overdone it exercising but the 73-year-old – who was otherwise healthy and active – unknowingly had Peripheral Artery Disease, caused by a build-up of plaque in his arteries causing them to narrow and stiffen. It wasn’t until a trip to the hospital emergency department years later that doctors would discover his aorta had expanded to more than twice the usual size and was at risk of rupturing. He immediately underwent open heart surgery and has faced a lengthy recovery. The launch of <a href="https://www.hri.org.au/our-research/centreforpad" target="_blank" rel="noopener">The Centre for Peripheral Artery Disease</a> heralds a new era of hope and progress in the fight against PAD. Through world-leading research, community engagement, and a commitment to patient-centred care, the CPAD is poised to make a profound impact on the lives of many Australians. As Assoc Prof Kavurma aptly put it, “By understanding more about this debilitating condition, we are paving the way for better health outcomes and a brighter future for all those affected by PAD.” Images: CPAD

Caring

Aussies lament the end of ancient "Beers for Garbos" tradition

Here in Australia, where rubbish collectors are celebrated annually with a frosty brew (or six), a cherished tradition is facing its untimely demise. Yes, you guessed it right – the legendary "Beers for Garbos" tradition, where grateful locals adorn their wheelie bins with a six-pack of beer as a token of appreciation, is disappearing faster than a cold beer on a scorching summer day. For generations, Aussies have upheld this festive practice, a heartwarming exchange between citizens and their garbage collectors during the most wonderful time of the year. But alas, the tides are turning, and it seems the days of beer-topped bins are numbered. The alarm was sounded when a concerned citizen took to the virtual streets of Reddit to lament the decline of this time-honoured tradition. "I've been doing this for 20 years, only the last two years they don't seem interested. Is this a tradition we are losing?" cried out the desperate Redditor, faced with the heartbreaking prospect of having their VB left unwanted and unclaimed. Speculations ran wild in the digital realm, with theories ranging from light-fingered neighbours to the outrageous notion that beer might not be as popular as it once was. However, Veolia, the giant among waste management companies in Australia, quickly extinguished the fiery speculations. Veolia's chief operating officer of environment, Tony Roderick, delivered the crushing blow, confirming that the "Beers for Garbos" tradition had taken its last bow. The culprit? Health and safety concerns, the perennial party poopers of workplace festivities. Roderick explained, "Packages of beer become missiles in the cabin of the truck under emergency braking." Picture this: a garbage truck hurtling down the suburban streets, emergency brakes screeching, and inside, a symphony of exploding beer bottles. It's a hazardous scenario that even the most seasoned garbage collector might find hard to navigate. Moreover, Veolia has a company-wide dry workplace policy, dashing hopes of a beer-fuelled trash pickup. But fear not, for Roderick is not entirely Ebenezer Scrooge. He encourages alternative forms of gift-giving. "Should people want to leave a small gift for their local driver, it is possible to leave it at the local depot where the driver can collect it at the end of the shift." So, instead of a six-pack perched on the bin, envision a quaint scene of a garbage collector picking up a thoughtful gift basket at the depot – the stuff of modern Aussie holiday magic. As we bid adieu to the "Beers for Garbos" era, let's raise a glass in fond remembrance. May your wheelie bins be forever adorned with the spirit of giving, even if the contents are now strictly non-alcoholic. Cheers to a new era of sober, yet equally heartfelt, expressions of gratitude for our unsung garbage heroes! Images: Facebook

Home & Garden

Going home for the holidays? How to navigate conflict and deal with difficult people

<a href="https://theconversation.com/profiles/jessica-robles-617248">Jessica Robles</a>, <a href="https://theconversation.com/institutions/loughborough-university-1336">Loughborough University</a> The holiday season is upon us and for many that means all the tension that comes with it. This time of year can be a minefield of uncomfortable moments, disagreement and outright conflict. It’s no wonder <a href="https://fortune.com/well/2022/12/03/home-for-holidays-family-gatherings-mental-health/">many young people</a> are apprehensive about returning home for the holidays after living far away. There are many reasons interpersonal difficulties can arise over the holidays. Perhaps your aunt doesn’t like what you did with her pie recipe, or your friend’s new partner has unsettling political beliefs. Maybe you haven’t lived at home in a while, but your family still talks to you like you’re the same person you were in school. Maybe you’re bringing your partner to meet your family for the first time, and aren’t sure whether everyone will get along. People have socialised less with friends and family <a href="https://triple-c.at/index.php/tripleC/article/view/1167">since the pandemic</a>, and may be feeling out of practice. This can be compounded by all the things people can disagree about. Some topics are higher risk for blowups, and best <a href="https://onlinelibrary.wiley.com/doi/book/10.1002/9781444354119#page=122">avoided</a> in such settings (religion and politics, for starters). Whether it’s <a href="https://link.springer.com/article/10.1007/s11109-018-9476-2">true or not</a>, there’s a popular perception that tricky subjects are more numerous and divisive than ever. Dare one bring up anything adjacent to Brexit, vaccinations or the cost of living? Even bringing your mobile phone to the dining table could get you in trouble. So what happens if your uncle has too much mulled wine and something slips out that annoys or even horrifies you? Family arguments are a common theme in holiday films, but their scripted resolutions are rarely realistic and not based on <a href="https://repository.lboro.ac.uk/articles/book/Talk_the_science_of_conversation/9476291">empirical research</a>. By considering how these things work in the context of real interactions, we can move from what sounds good in theory to what we can put into practice. <h2>Think before you speak</h2> In real-world situations, <a href="http://pstorage-loughborough-53465.s3.amazonaws.com/21189843/Thesis2019Joyce.pdf">interactions can escalate</a> before you’re even fully aware that they’re happening. You might be able to anticipate why and how an interaction might become a problem. Does alcohol generally lead to arguments in your family? Are your parents usually hypercritical of your new partners? Consider how to avoid problems before they start. <figure>In the moment, you can often spot “clues” that something is about to go awry. Trouble doesn’t usually emerge solely because of one person, but through <a href="https://www.taylorfrancis.com/chapters/edit/10.4324/9780429058011-13/conflict-interaction-phillip-glenn">the back-and-forth between people</a>. Assuming too much about who might be “the difficult one” and why won’t be helpful on its own.</figure> You have to learn to recognise the conversational moves people are making (including your own) and see how <a href="https://www.sciencedirect.com/science/article/pii/B9780126235500500082">other people respond to them</a>. Some facial expressions can express doubt or distrust, and contemptuous expressions (such as <a href="https://www.tandfonline.com/doi/full/10.1080/08351813.2021.1936858">eye-rolling</a>) can signal that a conversation might take a turn toward insult rather than discussion. A response that starts with the word <a href="https://www.sciencedirect.com/science/article/pii/S0378216615002465?casa_token=gyu3pjfpGrEAAAAA:VwEe8rVBXvsbF9V_aeYylN42IpKYeZ1BGqp85VoP_rkBQZtEI5AbuqBloiPxgTKfsJjj5VTSvcY">“well”</a> can be warning of incoming disagreement. As you notice what ways of speaking get what kinds of responses, you can be more thoughtful about what you choose to say. Even <a href="https://link.springer.com/chapter/10.1007/978-3-319-99094-1_2">changing a single word</a> can shift the direction of a conversation. A common sign that a conversation is starting to escalate unhelpfully is that people begin <a href="https://www.tandfonline.com/doi/full/10.1080/08351813.2020.1826765?casa_token=AIU2DQgEJQUAAAAA%3AGoBBF8SPSXcDmiKBAwaIihjFngE1ck8QiVj0HFZO7VGxi8TtkOf7PB0j5NMV9ufgMN4BwF-dMFA1Gw">commenting on the conversation itself and accusing</a> one another of unreasonable behaviour. Once you learn to be more conscious of that, it can help you reflect on how to respond in ways that might deescalate… if that’s what you want to do. <h2>Why we fight</h2> There is a dilemma here: sometimes backing down from a conflict challenges our values of authenticity and commitment to our beliefs. If someone says something insulting, whether mild or <a href="https://www.sciencedirect.com/science/article/pii/S0378216622002120">egregious</a>, it feels disingenuous and morally irresponsible to smooth things over. Some conflict is worth engaging, especially with someone you care about who is willing to listen and think about things. The complication is, that’s not always the case. Often when people argue about something they care about, they end up <a href="https://ttu-ir.tdl.org/handle/2346/16661">misaligned</a> or “talking at cross purposes”, where they’re not really even discussing the same thing anymore. Every conversation has a trajectory, but it’s entirely possible for a conversation to have <a href="https://www.jstor.org/stable/2786745#metadata_info_tab_contents">parallel or divergent trajectories</a>. In such cases, it’s unlikely that any amount of <a href="https://www.tandfonline.com/doi/pdf/10.1080/08351813.2019.1631044">good-faith discussion</a> is actually going to be <a href="https://www.sciencedirect.com/science/article/pii/S0378216618304302?casa_token=y7CoCCptr6AAAAAA:LCHuB6-BRaH4HPIothLVX_ENhSPlfshapdyvxzk9LjlQa24WJyRM4sXF2_bFp6oiWAfWnsVIoK8">productive</a>. At the end of the day, it’s also worth considering what makes a person or conversation “difficult”. Assigning that word to someone <a href="https://onlinelibrary.wiley.com/doi/abs/10.1111/j.1468-2885.2001.tb00234.x?casa_token=g5XfR-FKNLEAAAAA:GFvy6M4CY9IHrE51_NTEJDNgf6bdPqJZPX2Q2KZStBesgv8UIJDj7YTBnVMOSpRCDRWbX-DsmkQFaWQ">is not a neutral or objective</a> statement. Maybe you, in fact, are the “difficult person”. Maybe, for some kinds of conflict, you should want to be difficult. And maybe, sometimes, it’s alright to go outside and let off steam with a snowball fight.<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/196751/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/jessica-robles-617248">Jessica Robles</a>, Lecturer in Social Psychology, <a href="https://theconversation.com/institutions/loughborough-university-1336">Loughborough University</a> Image credits: Getty Images This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/going-home-for-the-holidays-how-to-navigate-conflict-and-deal-with-difficult-people-196751">original article</a>.

Family & Pets

Senior wins $38,000 a year for life because of retailer's mistake

A man in the US is set for life after a retailer's blunder led him to win the lotto. Michael Sopejstal, 60, who lives in Illinois, won the Lucky for Life lotto after a retailer at a GoLo gas station accidentally printed a ticket with 10 lines for a single draw. Buying the Lucky for Life ticket has been part of Sopejstal's routine, as he travels from Illinois to Michigan every few weeks to eat at his favourite restaurant, and this time he got lucky. “I checked my ticket one morning and saw that I had won $US25,000 ($A38,000) a year for life,” he told Michigan Lottery officials. “I immediately started thinking about all the things I could do with the money and whether I wanted to take the lump sum or annuity option. “It was an amazing feeling!” Sopejstal chances of winning were one in more than 1.8 million. According to the lottery, Sopejstal recently visited their headquarters to claim his prize. They said he opted for a lump sum payment of $US390,000 ($A590,000) instead of the annual payment. Sopejstal also told them that he plans to use his prize money to travel and save whatever is left. Images: Getty

Money & Banking

"Health always comes first": Tina Arena's shock announcement

Tina Arena has shocked her fans after making the "difficult decision" to cancel her upcoming Australian tour. The Aussie songstress announced the news on social media, saying the remainder of her shows on the Australian leg of the Love Saves World tour would be postponed due to illness. This is the first time in her long career that the 55-year-old musician has had to cancel a show. Sharing the announcement on Thursday night, Arena shared a black-and-white photo of her band behind the scenes along with the bad news for her fans. “Hi everyone, for the very first time, I have to postpone the rest of my Australian shows,” she wrote. <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/CySpmXGB9ds/?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/CySpmXGB9ds/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by Tina Arena (@tinaarena)</a> </div> </blockquote> “Believe me when I say, it was a hard decision. But remember, health always comes first. Therefore, to ensure it won’t happen again... here we are.” She told concertgoers to “hold onto your tickets”, stressing there would be more information to come. “I wish you all the very best, and my sincere apologies for any inconvenience,” she ended the post, signing off with “T”. The remainder of her Australian shows are expected to be postponed until 2024. Tina Arena completed two shows of her tour, one in Perth and one in Sydney, with shows in Queensland, South Australia and Victoria being cancelled. Sunrise entertainment editor Peter Ford says the decision is significant because Arena “doesn’t miss shows, she’s old school - if you have a gig booked you do it”. “On her Instagram post, she actually said that this is the first time ever (that she has cancelled). Now, how long has Tina been around... 40 years?” “Fingers crossed she is getting good care and the attention that she needs,” Ford said. Image credits: Getty Images

Caring

Return and Earn is a great way to recycle

When you recycle your eligible bottles and cans through Return and Earn, the material that is used to make the bottles and cans stay in use for as long as possible and are turned into new products, rather than ending up in landfill or polluting waterways. The scheme has already more than halved the number of drink containers littering our parks, waterways, or ending up in landfill compared to before the scheme was launched in December 2017. What happens to containers returned through Return and Earn? Have you ever wondered what happens to the containers once they are returned through the scheme? All containers returned through Return and Earn are recycled. The containers are picked up from the return points and trucked to a sorting facility where the containers are processed depending on the material type. Cans are crushed and baled into a giant cube, glass bottles are crushed into small particles called cullet; and plastic bottles are sorted by type and colour and shredded into smaller flakes before being turned into pellets. <img class="alignnone size-full wp-image-68727" src="https://www.readersdigest.com.au/wp-content/uploads/2023/08/crushed-cans-770.jpg" alt="" width="770" height="500" /> The giant cubes of Aluminium cans are melted, rolled into sheets, and sent to manufacturers to be turned into new cans or other products – some even go to make up aeroplane parts! Glass cullet is melted and mixed with raw materials before being blown into a new glass bottle and sent to drink companies. The plastic pellets are melted down, moulded and blown into new plastic bottles, ready to be bought be retailers. The new bottles and cans made from the recycled materials are filled by the beverage companies, labelled, capped, and ready to be consumed. By using the recycled material from Return and Earn, we save water, energy, and landfill, as well as reducing the carbon emissions that would be used if new raw materials were used instead. This conservation contributes to a more sustainable and efficient economy. Keeping materials in Australia The purity and quality of the material from Return and Earn plays a crucial role in establishing local recycling facilities so most of the key materials stay in Australia. A key milestone was the opening of the Circular Plastics Australia plant in Albury, NSW, in March 2022. This state-of-the-art PET plastic recycling facility is a joint venture between waste industry and beverage industry partners and is the largest of its kind in Australia. The facility reprocesses 100% of the PET (one of the materials that make up plastic containers) collected through the Return and Earn network of over 600 return points and uses the materials to remake new bottles and other food-grade plastic packaging. All glass collected through the Return and Earn network is also being reprocessed in Australia and contributes to the growing demand of locally sourced glass to use in making new bottles and other products. Having facilities in Australia means that the cycle of making a new container from the recycled material is fast. Plastic bottles can be back on the shelf in as little as six weeks and glass bottles in four weeks. Now that’s recycling at its best. <img class="alignnone size-full wp-image-68725" src="https://www.readersdigest.com.au/wp-content/uploads/2023/08/what-happens-when-you-return-and-earn-journey-image_770.jpg" alt="" width="770" height="846" /> Do you recycle? It’s easier than ever to recycle your empty containers through Return and Earn. We have over 600 return points across Australia, and we continue to work with businesses and local councils to identify more sites. Every container counts – recycling is an important way to reduce the load on our natural resources and keep valuable waste on the path to being remade into new products and used again. These small acts can make a big impact. If you’re not interested in returning the containers, consider leaving them out for others in your neighbourhood that are collecting them, or donate them to a charity or community group who is fundraising through the scheme. If you are unable to give them away, place your empty drink containers in your yellow lid recycle bin. For more information about Return and Earn, and to find your nearest return point visit <a href="https://returnandearn.org.au/">returnandearn.org.au</a> Case Study: Sharing the dignity through recycling Semi-retiree Wendy Pluckrose from the far north NSW coast has supported Share the Dignity for years, so when she discovered Return and Earn it seemed an obvious way to raise some extra funds as well as protect the environment. Share the Dignity is a women's charity in Australia, that works to make a real difference in the lives of those experiencing homelessness, fleeing domestic violence, or doing it tough. Wendy has installed bins at home and at local shops and restaurants to collect eligible drink containers. Most days she collects between 100 – 500 containers, and in the last year has raised nearly $3,500 from around 35,000 containers recycled through Return and Earn. “Return and Earn is just free money!” Wendy said. “It’s a little bit of effort, but it makes a big difference.” <img class="alignnone size-full wp-image-68728" src="https://www.readersdigest.com.au/wp-content/uploads/2023/08/share-the-dignity-photo-article-770.jpg" alt="" width="770" height="733" /> With the containers collected so far, not only is the refund going towards buying women’s sanitary products to women experiencing hardships, but it has also contributed to protecting the environment. By recycling 35,000 containers to be remade into new containers rather than using virgin materials, the environmental savings calculated by the <a href="https://returnandearn.org.au/impact-calculator/">Impact Calculator</a> include 206,000 litres of water; 46 gigajoules of energy that equates to six months of energy consumption for a household; and 2,100 kilograms of material entering landfill. The carbon emissions avoided equates to keeping two cars off the road for 18 months. To learn more about Return and Earn, <a href="https://returnandearn.org.au/">head to their website</a>. Images: Return and Earn. This is a sponsored article produced in partnership with Return and Earn.

Retirement Income

Peter Stefanovic and Sylvia Jeffreys list multimillion-dollar home

TV presenter power couple Peter Stefanovic and Sylvia Jeffreys have listed their Double Bay terrace for sale. The couple placed their home on the market for $4.5 million, as they start the search for a bigger and better family home for them and their two sons. The four-bedroom terrace with two-and-a-half bathrooms in Epping Rd is scheduled to go under the hammer on August 22nd with a $4.5m price guide via Oliver Lavers of The Rubinstein Group. Stefanovic, a co-host of First Edition on Sky News Australia, and Jeffreys, co-host of Today Extra on Channel 9, had bought the home on a 186 sqm block for $2.7m in 2016. In their seven years at the home, the couple have made a range of improvements including adding off-street parking, and created an impressive outdoor entertainment area with inbuilt seating and barbecue in the rear courtyard. The impressive property boasts open plan living areas, polished timber floors, marble finishes in the kitchen, and underfloor heating in the bathrooms. Two master-sized bedrooms open to balconies, alongside a third on the upper floor, and a versatile fourth bedroom could serve as an office. The couple met in 2014 when they were both colleagues at Channel Nine - she was working on The Today Show while he was a foreign correspondent for Nine News, and they bumped into each other in the station’s carpark. Two years later in 2016, Stefanovic popped the question in a French vineyard, and they were married the following year in Kangaroo Valley. The couple have two sons - Oscar, who was born in early 2020 and Henry, who arrived a little more than a year later. With their sons growing up and needing more space, the family are looking for a bigger home in Sydney’s eastern suburbs. Image credits: realestate.com.au / Instagram

Real Estate

"Self-indulgent narcissism": Tina Arena slammed for breaking lockdown restrictions

Tina Arena has come under fire for bragging about breaking Covid lockdown restrictions to resist what she called a "totalitarian" regime. The 55-year-old singer spoke candidly with <a href="https://www.theaustralian.com.au" target="_blank" rel="noopener">The Weekend Australian</a>, reflecting on the 2021 Delta lockdowns and why she chose to deliberately break the restriction that prevented people from travelling within 5km of their homes. "Why can't you drive more than five kilometres? Guess what – watch me. So I did. I drove past my five kilometres. Am I a criminal now? You want to pull me up? Pull me up. You want to fine me? Fine me. I'm not the one with the issue here," she told the publication. "The issue is, there is no logic. You have no right to do that. You are fining me. This is totalitarian. We don't work like that." Tina went on to claim that she was the only person who was frustrated by the harsh lockdown measures enough to speak up. "I didn't hear anybody complaining during lockdown other than me: 'Why are we locked up? Where's your science? What? Why?; The fear was so much for me; it was choking me, I was like, I can't cope with all of you being so fear-driven like this, and compliant," she said. Tina's comments sparked outrage online, with many people weighing in on her "selfish" choice to break the rules. "Tina Arena is just the Pete Evans of Music," wrote one person, referring to the disgraced television chef who was criticised for his anti-vax views. "Tina Arena - just another ignorant, selfish, fearful individual who was unwilling to comply with lockdown orders at the height of a deadly pandemic before vaccines were available. Yes 'deadly'! I have zero sympathy for those who blatantly ignored the restrictions," said another. Another disgruntled reader said, "Tina Arena's self indulgent narcissism is astounding, does she think she was the only person feeling fearful, locked up and battling mental health issues during the pandemic?" Another person called out her actions, writing, "Very selfish of Tina Arena. Hundreds of healthcare workers were f***ing exhausted, people with disabilities and severe health conditions were (and still are) living in fear of getting sick and she decided the rules wouldn't apply to her. Very disappointing." Social media users were quick to point out her "selfish" comments, with one person putting things into perspective by saying, "Most of us weren't wallowing in self pity, we were just doing what we needed to do to keep our families safe." Image credits: Getty Images

Legal

6 tips to keep the peace on holidays with a friend

Even the best of friends can come to blow when they’re on the road. Avoid conflict with your travel buddy by following these tips. 1. Plan ahead Before you set foot on that plane, you need to make absolutely sure that you are both having the holiday you want. If one person loves to spend their days hiking through the forest, they won’t appreciate being made to lie on the beach all day. Or vice versa. There’s always going to be an element of compromise, so plan a trip that appeals to both of you. Otherwise you’ll spend the whole time at loggerheads. 2. Agree on a budget Money always causes trouble and that can be amplified when you’re on the road. Even if you are keeping your finances separate while travelling, it’s important to agree on a general budget. One person might be happy to splash out on fancy restaurants every night while the other prefers to fill up on budget street food. You’ll need to find a happy medium that suits both of your wallets and it’s easier to do it before you depart, rather than starting a fight when you’re both hungry. 3. Pack separate bags You’ll thank us in the end. It might sound like a great idea to minimise the load and just take one bag, but everyone needs a bit of their own space. Having your own bag means there’s no conflict over who has packed too much or who is a messy folder, plus you both get lots of space for souvenirs. It also prevents one person from getting stuck carrying the load every time. 4. Be flexible It’s always handy to have a schedule, but you don’t have to stick to it like you’re on a military expedition. Choices will have to made at numerous points in your trip, so discuss them with your buddy and be prepared to be flexible. You can’t both have things exactly your own way the whole time, so it’s easier to be open to alternative options rather than digging in. 5. Spend some time apart Travelling together doesn’t mean you have to spend every waking minute together. Time apart is healthy and gives each person the chance to do things they want to do. One of you can go to the museums, the other can hit the shops, and you can swap stories over dinner. 6. Let it go It’s a holiday, so have some fun. Try not to pick silly fights and, if you do end up in one, don’t hang on to it. If things go wrong it’s easier in the long run to laugh about it than apportion blame. No one’s here to keep score. And if you feel things getting a little tense, talk about it before it goes too far. Image credit: Shutterstock

Travel Tips

Returning and Earning for your community

Charities and community groups across NSW are cashing in empty drink containers to support their important work in the community, all with the added benefit of helping the environment. It’s an easy win-win to fundraise through Return and Earn, and it makes donating to a local charity or community group very easy. Return and Earn is the incredibly successful container deposit scheme in NSW, where 10 cents is refunded for every eligible drink container returned for recycling through the network of 600+ return points across the state. Since launching over five years ago, <a href="https://returnandearn.org.au" target="_blank" rel="noopener">Return and Earn</a> has become an important and well used channel for charities and community groups fundraising to support a range of local and broader causes. Groups such as Rotary and Lions Clubs, animal rescue organisations, and fire and rescue services are just a few of the many different cohorts that have partnered with Return and Earn and relied on the generosity of NSW citizens to help them do vital work in their communities. “We’ve seen many groups really embrace the scheme, showing a humbling passion for giving back to the community – whether it’s to help fund an event for a local club, or to donate to a charity,” said Danielle Smalley, CEO of scheme coordinator, Exchange for Change. “Some of these groups have raised a lot of money from recycling drink containers through Return and Earn. Often local residents and businesses are handing over their containers or donating their refunds to support the cause, proving there is enormous goodwill in the community.” The Gerringong Lions Club recently celebrated one million containers collected, raising $100,000 that was donated to a variety of causes including medical research, local sporting facilities, as well as helping both Australian and oversees Lions Clubs provide relief during catastrophes. <img class="alignnone size-full wp-image-67811" src="https://www.readersdigest.com.au/wp-content/uploads/2023/06/Gerringong-Lions-Club-image-2-for-article-2_RD.jpg" alt="" width="770" height="500" /> The Gerringong Lions Club are now raising around $20,000 each year. The COVID shutdowns and restrictions put a halt to the activities that would normally bring funds to the club. Return and Earn was the only means for the club to generate an income to help the community during this time. As routine users of the scheme, the Gerringong Lions Club are now raising around $20,000 each year, all the while making positive impacts to the environment. Bruce Ray is a past president and active member of the club, and says he gets a sense of satisfaction knowing they are helping the community while also looking out for the environment. “We have the bins at the hotel, the bowling club, and campgrounds. The club also provides the container collection bins for events such as weddings and uses them at local New Years’ Eve events,” said Mr Ray. In Cobar, the local Rotary Club is also using Return and Earn to support the work in their community. They partnered with the local Girl Guides who help the club sort through any drink containers collected. They’ve now raised more than $25,000 since they began in early 2020. Club Secretary Gordon Hill said that one of the benefits for the Girl Guides is the real-world experience in seeing how much locally created waste can be recycled. “It also provides a healthy opportunity for a challenge to see which girls can pack the most containers during a 1.5 to 2 hour session. The record currently stands at 3,080, but the challenge continues,” Gordon added. <img class="alignnone size-full wp-image-67813" src="https://www.readersdigest.com.au/wp-content/uploads/2023/06/Cobar-Rotary-Club-image-for-article-2_RD.jpg" alt="" width="770" height="500" /> In Cobar, the local Rotary Club has partnered with the Girl Guides to help with sorting! Since Return and Earn launched in December 2017, over $42 million has been raised through donations and return point hosting fees. The funds have made a significant difference to individuals and groups who have received the support. “There are a lot more collection drives in the community that we don’t track, so the total fundraising amount is in fact even higher,” Ms Smalley said. “We encourage all our Return and Earn users to consider donating containers to a local charity or community group either at the nearest Return and Earn machine or using the Return and Earn app. “And if you’re a member of a group looking for an easy and effective way to fundraise, consider Return and Earn where you can double the benefit by raising funds while also helping the environment.” Every Return and Earn machine features a local donation partner, to whom users can donate part or all of their refunds to. The charity listed changes every six months to give as many groups as possible the opportunity. Charities and groups can also elect to be listed on the Return and Earn app, allowing anyone using the app at a machine or automated depot to donate direct to their favourite charity. There are currently over 170 charities featured on the app. When using a Return and Earn machine, select donate, then select which of the charities listed you want the funds to go. If you’re using the Return and Earn app, simply select donation as your payout option and then select the charity or group you would like to donate your refund to. “Contributions don’t need to be big to make a difference. It can be as easy as collecting a few eligible drink containers and donating them to a charity, helping local communities thrive while looking after the environment.” said Ms Smalley. For more information on donating through Return and Earn visit <a href="https://returnandearn.org.au/donate/" target="_blank" rel="noopener">returnandearn.org.au/donate/</a> Images: Supplied This is a sponsored article produced in partnership with Return and Earn.

Money & Banking

Luxury listing offers Jaws as a housemate

An unusual house listing is boasting a unique feature that will make the new homeowner very friendly with some dangerous fishy friends. The home is located in the south Sydney suburb of <a href="https://www.domain.com.au/63-kangaroo-point-road-kangaroo-point-nsw-2224-2018457503" target="_blank" rel="noopener">Kangaroo Point</a>: a waterfront area that boasts extraordinary views of the Shire waters and all its inhabitants. However, the homeowner won't even have to step outside to find the latest sea life, as the home features an enormous shark tank in the middle of the living space. Located right next to the kitchen, the 6 metre-long aquatic vault has taken the concept of home aquariums to the next level, as the 20,000-litre aquarium is the largest private residential set-up in Australia. On the floorplan, a large blue rectangle denotes the incredible inclusion, which glistens in the hallway between the dining room and kitchen and home cinema. The two-bedroom, one bathroom home also features a boat shed and 30 metre jetty out to the Georges River, just in case you wanted to get even closer to the local aquatic residents. The home last sold in March 2021, and is expected to sell this time around for approximately $4 million. Image credits: Domain

Real Estate

The most feel-good way to recycle

Long-time Return and Earner "Scooter Dave" has been a keen participant in the NSW container deposit scheme since the program started, and the Illawarra local has returned 500,000 containers in that time. Dave gets about on a scooter and any day when weather and health permits, he completes his route to collect rubbish from Windang Bridge in Shellharbour. Along the way he picks up eligible drink containers from residents and businesses who keep them in their yards ready for his scooter collection service. He has donated all of the $50,000 in refunds to many charities, including the Smith Family, the Sydney Children’s Hospital, and children’s ward in Wollongong, bushfire appeals and the Illawarra Convoy. “It gives me something to do, and I know that I am doing something to help people," says Scooter Dave. "People always say that there should be more people like me. There are, but they aren’t cleaning up rubbish like I am.” In a world that’s becoming more eco-conscious, we’re seeing more and more initiatives implemented to reduce the impact we’re having on the planet – from the single-use plastic bans to adopting reusable packaging and recycling. Recycling remains one of the best ways to help protect the environment. The benefits of recycling include reducing the amount of rubbish that ends up in landfill or as litter in our local environment, and reducing the need to extract raw materials from the earth to create new products such as mining raw aluminium to create cans. And with <a style="font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen, Ubuntu, Cantarell, 'Open Sans', 'Helvetica Neue', sans-serif;" href="https://returnandearn.org.au/?utm_source=over-60&utm_medium=article&utm_content=native-article&utm_campaign=grey-partnership" target="_blank" rel="noopener">Return and Earn</a> there are even more direct benefits for you. Return and Earn is one of many drink container return schemes that have been adopted around the world, where customers who return their used eligible drink containers for recycling can collect a refund. “With Return and Earn, you earn a 10c refund for every empty can, glass or plastic bottle, carton, juice box or popper that you return through one of its 600 return points across NSW. “Since the scheme launched five years ago, over 8.6 billion containers have been returned for recycling by the NSW public resulting in over $860 million in container refunds back in people’s pockets,” says Danielle Smalley, CEO of Exchange for Change, scheme coordinator for Return and Earn. The scheme is entirely funded by the beverage industry, aiming to place responsibility for container recycling firmly back with the industry. The scheme targets commonly littered items and includes most 150ml to three litre plastic, glass, aluminium, steel, and liquid paperboard containers. Eligible containers featuring the 10 cent refund mark can be redeemed for the refund. “Return and Earn is an extraordinary example of how individual action can have a collective impact,” says Smalley. The environmental benefits of the scheme have exceeded expectations – reducing the volume of drink container litter by 52 per cent compared to pre-scheme levels and sending over 755,000 tonnes of material to be recycled. Plus the Return and Earn app makes recycling your containers even easier because you can check the map to see where the nearest return points are to your location and make sure they’re open. Another fantastic feature on the app is the container checker which helps you avoid taking containers that are not eligible. Simply scan the barcode on your container and the app tells you if it can be returned for recycling at a return points. If not, they can go straight into your household recycling bin. Choose your recycling experience To return your containers, you can choose from four types of return points, depending on what suits you and what is nearby. There are Return and Earn machines - a self-service option where you return your containers one-at-a time. You’ll receive a receipt which is redeemable for cash at the partner redemption location or payment straight to your bank account by downloading the Return and Earn app. There are also Return and Earn Centres which are larger format indoor locations featuring multiple machines inside. <img src="https://oversixtydev.blob.core.windows.net/media/2023/01/Tomra1.png" alt="Return and Earn" width="741" height="423" /> For larger numbers, heading to your nearest automated depot is your best option. Here staff will take your bags of eligible containers and process them in their automated counting system called a singulator. Once counted, they’ll provide you with your cash refund. Even local businesses are taking part, with some corner stores, newsagents, fruit shops and some Surf Life Saving Clubs able to take your containers and give you your refund. To find your nearest return point, visit <a href="https://returnandearn.org.au/return-points/?utm_source=over-60&utm_medium=article&utm_content=native-article&utm_campaign=grey-partnership" target="_blank" rel="noopener">www.returnandearn.org.au</a>. Top tips for returning and earning When you’re ready to return your first collection of containers, here are some tips to make your experience even easier: <ul> <li>Download the Return and Earn app: use the app store available on your mobile phone. </li> <li>Sort your containers before you go: if you’re using a Return and Earn machine, sort your glass containers from your plastic bottles and cans as these are return using separate chutes on the machine. If you’re using an automated depot or an over-the-counter return point, there’s no need to sort. </li> <li>Check if your containers are eligible: Use the Return and Earn app to check if your containers are eligible for a refund. And make sure they’re uncrushed, with the barcode visible and keep the lid on.</li> <li>Plan your trip: make sure to check opening times of your nearest return point via the Return and Earn app or website. You can even optimise your trip by checking the busiest and quietest times to visit.</li> </ul> With these tips under your belt, you can make the most of your Return and Earn experience and reap the benefits for your wallet and for the environment. <iframe title="YouTube video player" src="https://www.youtube.com/embed/OYDROMQIDbU" width="560" height="315" frameborder="0" allowfullscreen="allowfullscreen"></iframe> For more information, visit <a href="https://returnandearn.org.au/?utm_source=over-60&utm_medium=article&utm_content=native-article&utm_campaign=grey-partnership" target="_blank" rel="noopener">Return and Earn.</a> All images: supplied This is a sponsored article produced in partnership with <a href="https://returnandearn.org.au/?utm_source=over-60&utm_medium=article&utm_content=native-article&utm_campaign=grey-partnership" target="_blank" rel="noopener">Return and Earn</a>.

Retirement Income

Novak Djokovic kicks his brother out of tennis arena during epic showdown

Novak Djokovic has ordered his brother out of the player's box in the middle of match at the the Adelaide International final. The Serbian star was having a less than desirable game on Sunday, after losing his first set to No.33 Sebastian Korda, from the USA, when he became visibly frustrated and pointed towards the corporate box. His brother Marko and another person then exited the area before Djokovic fought his way back on the court and managed to win the epic three-set thriller. Sports commentator Roger Rasheed claimed the sports star appeared angry, but determined to win the showdown. "He pointed to his box and two out of five members are no longer sitting there," he said. "It's probably living proof that he wants to win badly, in this final. He's got his game face on, mixed with a bit of anger at the moment." Speaking during an on-court interview after prevailing triumphant in a match that lasted three hours, the 21-time Grand Slam champion admitted it had not been an easy night. "I'd like to thank my team for handling me, tolerating me in the good and bad times." "Today, I'm sure they didn't have such a blast with me going back and forth with them, but I appreciate them being here." "My brother Marko is also here, I don't see him that much so I appreciate you coming here, love you. It's been an amazing week and you guys made it even more special for me." Image credits: Getty Images

Family & Pets

Rare Victorian home boasts its own gold mine

“Sitting on a gold mine” is a common expression for property buyers who are excited by the prospect of capital growth. How perfect then that this unique secluded property in a picturesque pocket of Victorian Alpine forest is sitting literally on top of a gold mine! Situated at 7522 Mansfield-Woods Point Road in the town of Gaffneys Creek, the small town is a mining region in the mountains of the Mansfield Shire, which sits at the gateway to the popular Mount Buller ski fields. Aside from the usual details - bedrooms and bathrooms, the listing reveals the cabin is plonked on a gold seam, in a state forest setting with only ten local residents. Activities for the buyer include "digging for gold in back yard mine site (with gold), or within the local gold bearing area", the listing says. "Enjoy your time in this tranquil bush setting. Fishing local creeks and Upper Goulburn River for plentiful trout. 4WD and motorbike tracks abound. Play in the snow a couple of times a year.” The property's gallery includes a hole in the side of a red-dirt slope - the entry to the mine. The cottage is tucked in the forest, serenely quiet and away from civilisation. A journey to Melbourne will take two-and-a-half hours by car. Images: Domain

Real Estate

Gorgeous historical home hits the market

Hitting the market in Tasmania – and looking for its sixth owner in 37 years – this interesting, convict-built home is offering some lucky purchaser the chance to travel back in time. The perfectly-preserved “time travel” home is a stunning five-bedroom dwelling named “Kent Cottage”, and truly is a portal to another era – all for a humble, historic $849,000. The time-capsule house includes an historic shopfront, designed in the Georgian style that the majority of Tasmanian house-hunters have come to expect from the region, and was a general store until 1881. Later it was a grocer, then an iron monger (a dealer of hardware) and a drapery, and more recently served the small local community as a petrol station and an ice-creamery. The pretty shopfront has soaring sash windows with "SHOP EST. 1833 GENERAL MERCHANT" on plaques above. At the rear, the residence has been gently updated but feels like a time trip, warmly decorated in an antique manner, with a wood-burning stove (alongside mod cons) and a dining room with an exposed brick wall, laid almost two centuries ago by the weary hands of prisoners. Images: Domain

Real Estate

News

Shop

Catalogues

Contests

Entertainment

Travel

Health

Lifestyle

Finance

Property

Games

Information

Keep up to date

Search

Dire warning issued to Aussie travellers as conflict escalates

UK Supreme Court makes major ruling on definition of "woman"

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

Hanson Handover: Pauline Hanson's daughter steps into the political arena

The renting trap snaring retirees – and how to avoid it

Mysterious leg pain that’s quietly killing older Australians

Aussies lament the end of ancient "Beers for Garbos" tradition

Going home for the holidays? How to navigate conflict and deal with difficult people

Senior wins $38,000 a year for life because of retailer's mistake

"Health always comes first": Tina Arena's shock announcement

Return and Earn is a great way to recycle

Peter Stefanovic and Sylvia Jeffreys list multimillion-dollar home

"Self-indulgent narcissism": Tina Arena slammed for breaking lockdown restrictions

6 tips to keep the peace on holidays with a friend

Returning and Earning for your community

Luxury listing offers Jaws as a housemate

The most feel-good way to recycle

Novak Djokovic kicks his brother out of tennis arena during epic showdown

Rare Victorian home boasts its own gold mine

Gorgeous historical home hits the market

Our Partners