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Tragedy on first cruise: Aussie couple’s dream trip ends in heartbreak

<p>What began as a dream getaway for Aussie couple Glenn and Beverley Stein has ended in devastating tragedy, after Glenn, 74, died suddenly during their very first cruise.</p> <p>Described as "humble and hardworking", the couple had never been overseas or on a cruise before. Their four-day voyage from Brisbane to Airlie Beach, a generous gift from their son after a lucky windfall, was meant to be a long-overdue escape for the pair, who had spent more than 50 years side by side.</p> <p>"They had never been on a cruise before, never even been overseas," daughter-in-law Sarah <a href="https://au.news.yahoo.com/carnival-cruise-passengers-8500-blow-after-on-board-tragedy-they-didnt-realise-033649566.html" target="_blank" rel="noopener">shared with Yahoo News</a>. "One of their sons won some money so he thought it might be nice to buy them a cruise."</p> <p>According to Sarah, the couple were thoroughly enjoying their time onboard. But just a few days into the trip, Glenn began to feel unwell, suspecting it was merely “a bit of food poisoning”. True to their no-fuss nature, the Steins tried not to worry and went to bed, assuming he would feel better by morning.</p> <p>Tragically, Beverley awoke the next day to find Glenn unconscious. In shock, she raised the alarm with the ship’s housekeeping staff, who immediately called the onboard medical team. “The staff were amazing. We’ve got a 43-page report detailing all the care they gave him," Sarah said, commending the cruise medical team for their efforts and support during the ordeal.</p> <p>Glenn’s condition rapidly deteriorated. Doctors soon discovered he was suffering from a life-threatening strangulated hernia, requiring emergency surgery. As they awaited an airlift to Bundaberg Hospital, the crew urged Beverley to speak with her husband and prepare for the worst.</p> <p>Even aboard the emergency helicopter, Glenn’s health continued to fail. Once at the hospital, paramedics warned the couple’s children, already en route, to call in immediately.</p> <p>“They managed to speak to Glenn, which was really nice,” Sarah said. Heartbreakingly, just minutes later, when Sarah and her husband tried to call, they were told Glenn had passed away. "He had literally just passed away as soon as they got off the phone."</p> <p>Adding to the family's anguish, they soon discovered that because Glenn and Beverley had unknowingly crossed into international waters, and hadn't purchased travel insurance, Beverley was left facing an $8,500 medical bill.</p> <p>“This was their first cruise; they didn’t realise it was actually out of Australian waters,” Sarah explained, calling the experience a “cautionary tale” for other travellers. While understanding of the fees, the family is now hoping the cruise company might show some compassion and reduce the amount.</p> <p>Loved ones have <a href="https://www.gofundme.com/f/help-bev-after-the-sudden-loss-of-her-beloved-husband-glenn?cdn-cache=0" target="_blank" rel="noopener">launched a GoFundMe</a> to help cover the medical costs and funeral expenses. "Bev is not only grieving the loss of her life partner but is now also facing overwhelming financial pressure," the family wrote. "Any contribution, no matter how small, will go directly toward covering the significant costs associated with Glenn’s passing and supporting Bev as she begins to navigate life without him."</p> <p>Despite their grief, the family has found bittersweet moments of humour in the aftermath. “It’s really funny,” Sarah recalled, “his daughter mentioned, ‘Dad always said he never wanted a fuss and just wanted to go quietly,’ and it’s ended up being a helicopter out and on the news – so he couldn’t have been more dramatic."</p> <p>As they rally around Beverley, the Steins’ loved ones hope their story will serve as a reminder of the importance of travel insurance — and of cherishing every moment with the ones you love.</p> <p><em>Images: GoFundMe</em></p>

Cruising

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Why older couples love short cruises for a quick romantic getaway

<p>Long holidays are great, but they are not always practical, especially when you just want a quick break together. They can be expensive, require a lot of planning and sometimes feel more tiring than relaxing. </p> <p>A <span lang="EN-GB"><a href="https://www.carnival.com.au/short-cruises" target="_blank" rel="noopener"><span lang="EN-GB" style="color: #1155cc;">smooth, short cruise</span></a></span> is the perfect balance for older couples. There’s just enough time to unwind, visit new places and enjoy amazing food and entertainment, all without the stress of organising every detail.</p> <p>With options from Carnival, Australia’s leading cruise line, a quick and relaxing romantic getaway is easier than ever. Everything is taken care of, so you can simply step on board and make the most of your time together.</p> <p>To show you what makes them special, here’s why short cruises have become a favourite getaway for couples looking to relax and reconnect.</p> <p><strong><span style="font-size: 14pt;">Skip the stress and start your holiday sooner</span></strong></p> <p>Planning a holiday can sometimes feel like more trouble than it’s worth. Long flights, busy airports and endless logistics take time and effort, which can make a romantic getaway feel stressful before it even begins. But taking a break doesn’t have to be complicated.</p> <p>A Carnival <span lang="EN-GB"><a href="https://www.carnival.com.au/short-cruises/sydney" target="_blank" rel="noopener"><span lang="EN-GB" style="color: #1155cc;">short cruise from Sydney</span></a></span> or Brisbane is an easy way to escape for a few days without the stress of flights or long drives. Enjoy slow mornings together on a peaceful deck, take in the ocean views or visit a beautiful destination like Tasmania or Moreton Island. </p> <p><strong><span style="font-size: 14pt;">Enjoy time together without going far</span></strong></p> <p>You don’t need to travel far to enjoy a romantic break. A short cruise lets you escape for a few days, soak up the ocean views and spend uninterrupted time together. Set sail from Brisbane or Sydney and choose from a three-day cruise at sea, a four day cruise to Moreton Island or Airlie Beach, or a <span lang="EN-GB"><a href="https://www.carnival.com.au/short-cruises/5-day" target="_blank" rel="noopener"><span lang="EN-GB" style="color: #1155cc;">five-day cruise</span></a></span> to Tasmania.</p> <p><strong><span style="font-size: 14pt;">Spend quality time with onboard activities</span></strong></p> <p><strong><span style="font-size: 14pt;"><img src="https://oversixtydev.blob.core.windows.net/media/2025/02/Carnivalimage-1.jpg" alt="" width="1280" height="720" /></span></strong></p> <p>Finding time to unwind together isn’t always easy, but a Carnival short cruise makes it simple. With plenty of <span lang="EN-GB"><a href="https://www.carnival.com.au/onboard" target="_blank" rel="noopener"><span lang="EN-GB" style="color: #1155cc;">exciting onboard activities</span></a></span>, you can do as much or as little as you like. </p> <p>Lounge by the pool, enjoy some quiet time at <span lang="EN-GB"><a href="https://www.carnival.com.au/onboard/serenity" target="_blank" rel="noopener"><span lang="EN-GB" style="color: #1155cc;"><span lang="EN-GB"> an</span></span><span lang="EN-GB" style="color: #1155cc;"> </span><span lang="EN-GB" style="color: #1155cc;"><span lang="EN-GB">a</span></span><span lang="EN-GB" style="color: #1155cc;"><span lang="EN-GB">dults-</span></span><span lang="EN-GB" style="color: #1155cc;"><span lang="EN-GB">o</span></span><span lang="EN-GB" style="color: #1155cc;"><span lang="EN-GB">nly </span></span><span lang="EN-GB" style="color: #1155cc;"><span lang="EN-GB">r</span></span><span lang="EN-GB" style="color: #1155cc;"><span lang="EN-GB">etreat</span></span></a></span> or watch a live music performance. You can even play video games or visit the fitness centre together. For total relaxation, book a couples’ treatment at Cloud 9 Spa* and let the stress melt away.</p> <p>In the evening, share new experiences together. Watch a Playlist Productions show, enjoy stand-up comedy at The Punchliner Comedy Club or settle in for a movie under the stars. If you prefer a quieter night, find a cosy spot to take in the ocean views or enjoy a drink with live acoustic music.</p> <p><strong><span style="font-size: 14pt;">Share great food at every meal</span></strong></p> <p><strong><span style="font-size: 14pt;"><img src="https://oversixtydev.blob.core.windows.net/media/2025/02/Carnivalimage-3.jpg" alt="" width="1280" height="720" /></span></strong></p> <p>Good food is even better when shared, and a Carnival short cruise gives couples plenty of <span lang="EN-GB"><a href="https://www.carnival.com.au/dining" target="_blank" rel="noopener"><span lang="EN-GB" style="color: #1155cc;">dining </span></a></span>options to enjoy together. Start the day with a relaxed breakfast and freshly brewed coffee, or grab a quick bite from the main dining room. For a special night, Fahrenheit 555* or Luke’s Bar &amp; Grill* serves perfectly cooked steaks and fresh seafood in a cosy setting.</p> <p>If you’re in the mood for something to eat, the pizzeria has fresh-made pizza, and Bonsai Sushi Express* offers quick, fresh sushi. For something classic, Guy’s Burger Joint serves juicy burgers. With so many choices, every meal is a chance to relax and spend time together.</p> <p><strong><span style="font-size: 14pt;">Plan your next romantic getaway</span></strong></p> <p>A few days away is sometimes all you need to recharge and reconnect. On a short cruise, you can enjoy new experiences, soak up the ocean views and make the most of every moment together without worrying about travel logistics.</p> <p>All the details are sorted, so you can focus on choosing the perfect destination and how long you’d like to relax together. Visit the <span lang="EN-GB"><a href="https://www.carnival.com.au/" target="_blank" rel="noopener"><span lang="EN-GB" style="color: #1155cc;">Carnival Cruise website</span></a></span> to find a short cruise that fits your schedule, and start planning your next romantic getaway today.</p> <p><em>Images: Supplied<br /></em></p> <p><em>*Charges apply</em></p> <p><em>This is a sponsored article produced in partnership with Carnival</em></p>

Cruising

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Cruise passenger facing life sentence after onboard discovery

<p>A Brazilian passenger has been charged with drug-related offences after authorities discovered a significant quantity of cocaine hidden in his cruise ship cabin upon docking in Sydney Harbour on Saturday.</p> <p>The Australian Federal Police (AFP) allege that the 48-year-old man had concealed 10kg of cocaine within the ceiling cavity of his room aboard the vessel, which had arrived from Argentina. During a search conducted by Australian Border Force (ABF) officials, officers reportedly uncovered 28 individually wrapped parcels of the substance, which tested positive for cocaine.</p> <p>In addition to the drugs, authorities also discovered "body packing material" hidden in the ceiling cavity and the wardrobe. According to the AFP, such materials are commonly used by drug couriers attempting to smuggle narcotics across international borders and security checkpoints.</p> <p>An examination of the suspect’s mobile phone allegedly revealed further evidence linked to drug trafficking. The AFP subsequently charged the man with one count of importing a commercial quantity of a border-controlled drug and one count of possessing a commercial quantity of an unlawfully imported border-controlled drug. If convicted, he faces a maximum penalty of life imprisonment.</p> <p>AFP Detective Superintendent Kristie Cressy highlighted the potential impact of the drug haul, noting that the seized cocaine could have been distributed in 10,000 individual street deals, with an estimated street value of $3 million.</p> <p>“This amount of cocaine could have been sold in the community as 10,000 individual street deals of 1 gram for about $3 million,” Cressy stated. “Drug traffickers are motivated by greed, and they do not care about the harm they cause. These drug deals put pressure on the health system.”</p> <p>The Australian Institute of Health and Welfare reports that between 2022 and 2023, there were more than two hospitalisations per day in Australia due to drug-related incidents.</p> <p>ABF Superintendent Matt O’Connor acknowledged the increased risk of drug smuggling during the cruise season but reassured the public of law enforcement's vigilance in tackling such operations.</p> <p>“The cruising season brings with it additional opportunities for criminal syndicates to attempt to smuggle illicit drugs into the country; however, Border Force officers are very attuned to their pivoting tactics,” O’Connor said. “Our ABF officers process and border-clear thousands of passengers and crew members on every international cruise ship which arrives into Sydney and are ready to respond to any threat which may present itself.”</p> <p>The accused is set to appear in court as investigations continue into the broader implications of the smuggling attempt.</p> <p><em>Images: Australian Federal Police</em></p>

Travel Trouble

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Experts debunk dominant theory in Hackman deaths

<p>It's been a week since acting legend Gene Hackman and his wife Betsy were both <a href="https://www.oversixty.com.au/health/caring/sad-new-details-emerge-in-gene-hackman-case" target="_blank" rel="noopener">found dead</a> in their Santa Fe home. </p> <p>Gene, 95, was found dead in the home's mudroom, with his cane nearby, while his 65-year-old wife was found in the bathroom, near an open bottle of prescription pills.</p> <p>Preliminary autopsies have ruled out carbon monoxide poisoning as a cause of death, and Santa Fe Sheriff Adan Mendoza confirmed the actor had likely died about nine days before the bodies were discovered.</p> <p>While there's been speculation that the death could have been a "companion suicide", experts have casted their doubts on this theory. </p> <p>James Gill, Chief Medical Examiner with the Connecticut Office of the Chief Medical Examiner, <span style="font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen, Ubuntu, Cantarell, 'Open Sans', 'Helvetica Neue', sans-serif;">told </span><a href="https://people.com/gene-hackman-wife-betsy-suicide-less-likely-says-expert-exclusive-11690593" target="_blank" rel="noopener"><em style="font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen, Ubuntu, Cantarell, 'Open Sans', 'Helvetica Neue', sans-serif;">People </em></a><span style="font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen, Ubuntu, Cantarell, 'Open Sans', 'Helvetica Neue', sans-serif;">that it is unlikely the couple decided to end their lives together, as their bodies were found in different locations. </span></p> <p><span style="font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen, Ubuntu, Cantarell, 'Open Sans', 'Helvetica Neue', sans-serif;">While he is not working on the case, he offered his expert opinion, saying: </span>“I’ve seen cases like that — usually they’re together in bed,”</p> <p>“The fact that they’re in two separate locations tells me that I think that’s less likely.”</p> <p>One of the couple's three dogs was also found dead inside the home, adding to the mystery. </p> <p>“From the initial kind of circumstances, it seems like he may have collapsed — he’s got a history of heart disease. He’s got a pacemaker. So that would not be unusual,” Gill told <em>People</em>.</p> <p>He also ruled out the theory that he had died after Betty because she was not around to take care of him. </p> <p>“Sometimes we’ll see instances where someone is bedridden and maybe they have dementia and then their caregiver dies from a natural event, and then there’s no one there to take care of them, and then they can die from dehydration or what have you. I don’t think that’s the case in this,” he said.</p> <p>Forensic pathologist Dr. Michael Baden believes that the couple's death could be the result of a tragic accident, suggesting that Hackman's pacemaker could provide clues as to what happened. </p> <p>“That event would have been a cardiac arrest caused by an abnormal pulse rate,” he said.</p> <p>“The pacemaker keeps track of the pulse, and when it gets down too low, it discharges. And that’s all in the record.”</p> <p>“So the autopsy showed he didn’t have any injury,” Baden continued. “There was no carbon monoxide. And he had — the most common cause of death in this country — severe heart disease, coronary artery disease and high blood pressure perhaps, from what’s been released. So that would cause him, having cardiac arrest in the mudroom, to collapse right there.”</p> <p>Dr. Baden suggested that Hackman's wife Betsy could have died while trying to help him. </p> <p>“She may have struck her head on the way down and had some internal injury to the brain that doesn’t show up on the outside or bleeding in the inside of the brain,” he said.</p> <p>“Or that she may also, at 65, had severe heart disease and excitement can cause a trigger to the cardiac rhythm causing death under those circumstances. I think the first, that striking her head would be more common.” </p> <p>A criminal investigation was launched this week after New Mexico authorities deemed the circumstances around the couple’s deaths “suspicious.”</p> <p><em>Image: Dave Lewis/ Shutterstock Editorial</em></p> <p style="box-sizing: border-box; margin-top: 0px; margin-bottom: 1rem; color: #212529; font-family: -apple-system, 'system-ui', 'Segoe UI', Roboto, 'Helvetica Neue', Arial, sans-serif, 'Apple Color Emoji', 'Segoe UI Emoji', 'Segoe UI Symbol', 'Noto Color Emoji'; font-size: 16px; background-color: #ffffff;"><span style="box-sizing: border-box; font-weight: bolder;"><em style="box-sizing: border-box;">Need to talk to someone? Don't go it alone. </em></span></p> <p style="box-sizing: border-box; margin-top: 0px; margin-bottom: 1rem; color: #212529; font-family: -apple-system, 'system-ui', 'Segoe UI', Roboto, 'Helvetica Neue', Arial, sans-serif, 'Apple Color Emoji', 'Segoe UI Emoji', 'Segoe UI Symbol', 'Noto Color Emoji'; font-size: 16px; background-color: #ffffff;"><span style="box-sizing: border-box; font-weight: bolder;"><em style="box-sizing: border-box;">Call Lifeline on 13 11 14 or visit lifeline.org.au</em></span></p> <p style="box-sizing: border-box; margin-top: 0px; margin-bottom: 1rem; color: #212529; font-family: -apple-system, 'system-ui', 'Segoe UI', Roboto, 'Helvetica Neue', Arial, sans-serif, 'Apple Color Emoji', 'Segoe UI Emoji', 'Segoe UI Symbol', 'Noto Color Emoji'; font-size: 16px; background-color: #ffffff;"><span style="box-sizing: border-box; font-weight: bolder;"><em style="box-sizing: border-box;">Beyond Blue: 1300 224 636</em></span></p> <p style="box-sizing: border-box; margin-top: 0px; margin-bottom: 1rem; color: #212529; font-family: -apple-system, 'system-ui', 'Segoe UI', Roboto, 'Helvetica Neue', Arial, sans-serif, 'Apple Color Emoji', 'Segoe UI Emoji', 'Segoe UI Symbol', 'Noto Color Emoji'; font-size: 16px; background-color: #ffffff;"><span style="box-sizing: border-box; font-weight: bolder;"><em style="box-sizing: border-box;">SANE: 1800 187 263; saneforums.org</em></span></p> <p> </p>

Caring

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Travel expert shares top luxury destinations for 2025

<p>More travellers are prioritising luxury holidays than ever before, with a travel expert revealing the top luxury destinations for 2025. </p> <p>Mark Trim, founder and managing director of <a title="Onboard Luxury" href="https://onboardluxury.com.au/" target="_blank" rel="noopener">Onboard Luxury</a>, said there are a selection of hotspots around the world that keep reappearing in online searches. </p> <p>Whether you're after a city stay or a relaxing resort getaway, Trim shared the top luxury spots with <a href="https://travel.nine.com.au/destinations/top-luxury-destinations-for-aussie-travellers-for-2025-in-pictures/d92ae530-7f82-4e49-ab2b-46cbd25758d6" target="_blank" rel="noopener"><em>9Travel</em></a>. </p> <p>One destination that Trim said has become a particular hotspot is Sardinia in Italy.</p> <p>"This sophisticated island boasts pristine beaches, charming villages, and world-class golf courses like Pevero Golf Club," says Mark.</p> <p>Blessed with an array of spectacular swim spots, Sardinia has long been a bucket list holiday spot for many eager travellers. </p> <p>Trim said it's best to visit during the months between June to September to make the most of the weather, but be aware that this is the busiest time for tourists.</p> <p>For those looking for more of an adventure, the Okavango Delta in Botswana is a once-in-a-lifetime trip with its array of incredible animals. </p> <p>"This untamed beauty is one of Africa's Seven Natural Wonders, and it offers a unique opportunity to witness incredible biodiversity up close," says Mark.</p> <p>Those in search of a picturesque tiny town holiday should add the Norwegian town of Bergen to their itinerary. </p> <p>"This UNESCO World Heritage City is nestled amidst stunning fjords and boasts colourful wooden houses and panoramic views of the Northern Lights," says Mark.</p> <p>If you're in search of the ultimate beach resort getaway, Trim says you can't go past the Maldives. </p> <p>"If you're dreaming of a tranquil island escape with unparalleled luxury, the Fari Islands in the Maldives should be at the top of your list," says Mark.</p> <p>"With its convenient location just a short flight from Australia, it's the perfect getaway for those seeking a luxurious and rejuvenating experience," he added.</p> <p>For others looking for a beach holiday but wanting to stay closer to home, Fiji is always a popular choice, with many opting to explore the Mamanuca Islands.</p> <p>"This stunning archipelago boasts idyllic beaches, vibrant coral reefs and showstopping sunsets," says Mark.</p> <p>"Plus, with direct flights to Nadi and a short boat or helicopter ride to Malolo Island, it's incredibly convenient to reach for Australians."</p> <p><em>Image credits: Shutterstock</em></p>

International Travel

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How to prepare for a cyclone, according to an expert

<div class="theconversation-article-body"><em><a href="https://theconversation.com/profiles/yetta-gurtner-2337172">Yetta Gurtner</a>, <a href="https://theconversation.com/institutions/james-cook-university-1167">James Cook University</a></em></p> <p>Tropical Cyclone Alfred is predicted to make landfall anywhere <a href="https://www.abc.net.au/news/2025-03-03/tropical-cyclone-alfred-landfall-thursday-live-updates/105002038">between Bundaberg and northern New South Wales</a> this week. The Australian Bureau of Meteorology <a href="http://www.bom.gov.au/cgi-bin/wrap_fwo.pl?IDQ20023.html">has warned</a> it may bring severe hazards and “dangerous and life-threatening flash flooding”.</p> <p>So, how do you prepare for a cyclone – and what do you do if it’s too late to leave?</p> <h2>How to prepare</h2> <p>Your starting point is to consider the risk to yourself and everyone in your household (including pets). Consider ensuring you have:</p> <ul> <li>non-perishable food that everyone in the family will eat (enough for five to seven days)</li> <li>water for drinking and cleaning (three litres per person per day)</li> <li>medication (two weeks worth)</li> <li>toiletries and first aid kit</li> <li>pet food/supplies</li> <li>torches</li> <li>batteries</li> <li>a back up battery for your phone</li> <li>baby formula and nappies if needed</li> <li>protective clothing and closed-in shoes</li> <li>cash in small denominations</li> <li>valuable documents such as passports, title deeds, ID, insurance details, photos (these can be photographed or packed in weather-proof container or envelope)</li> <li>kids’ books, card games, board games, headphones</li> <li>anything else you may need or really value (and isn’t too heavy to carry).</li> </ul> <p>Make sure you have a grab-and-go kit that you can carry by yourself if authorities suddenly tell you to evacuate immediately.</p> <p>Conventional wisdom used to be to prepare enough supplies for three days of disruption. Now, experts recommend having enough for five to seven days. After the initial disaster there may be road blockages or supply chain problems.</p> <p>Ensure you have enough medication for a week or two, because pharmacies may take days or weeks to re-open. And remember that many medications, such as insulin, need to be refrigerated, so consider how you’d keep them cool if the power went out.</p> <p>Fill containers with water and stick them in your freezer now; they can keep your freezer cool if you lose power. They can also become drinking water in future.</p> <p>Talk to your neighbours. Do they have a generator or a camping fridge you can use? This is a great opportunity to get to know your community and pool your resources.</p> <p>Ask yourself if you have friends with whom you or a pet can stay. One of the main reasons people don’t evacuate is because they can’t bring their pets (not all evacuation shelters allow them, so check in advance).</p> <p>Consider what you can do now to prepare your house. One of the most common call-outs the SES receives is about blocked drains and gutters, so check if there’s time to clean your gutters now. You won’t be able to do it during the storm.</p> <h2>Stay informed – and don’t rely on hearsay</h2> <p>Have a plan for getting truthful information before, during and after the cyclone.</p> <p>Rely on the information provided by official sources, as they will tell you when it’s too late to evacuate or when it’s safe to come out. This is highly context-specific and will depend on where you are located.</p> <p>Get advice where possible from your local council’s <a href="https://www.qld.gov.au/community/disasters-emergencies/disasters/resources-translations/local-government-disaster-dashboards">disaster dashboard</a> (most councils have one).</p> <p>It should provide information such as where to get sandbags, which roads are closed (which can affect your evacuation plan) and evacuation centre openings and locations.</p> <p>Anyone who monitors social media will see how many amateur meteorologists and maps are out there, but these are often not the best source. Always rely on official sources rather than hearsay, trending footage or amateur “experts”.</p> <p>Always have an battery-operated AM-FM radio. If power goes out, relying on your phone to track information will drain your phone battery very quickly.</p> <p>You may be able to charge it via your car or laptop, but telecommunications networks may not be active.</p> <p>So having a battery-operated radio on hand – and plenty of batteries – is crucial.</p> <h2>What if the cyclone hits while you’re at home?</h2> <p>If it’s too late to evacuate, have a plan for sheltering in place.</p> <p>Find the smallest room in your house with the least windows (which can shatter in a storm). This is often the bathroom, but it could be under the stairs. It is usually on the lowest level of the house.</p> <p>Bring your food, water, radio, blankets and supplies there. Avoid walking around the house during the cyclone to fetch things; there could be glass on the floor or debris flying around.</p> <p>It’s hard to predict how long you will need to shelter there, but it’s important not to leave until official sources say it is safe to do so.</p> <p>Cyclones come in stages. They arrive from one direction, then comes an eerie calm as the “eye of the storm” passes over. Next, the other half of the cyclone arrives. Don’t go outside during the eye of the storm, because it’s not over.</p> <p>Outside the house, there may be powerlines down, broken glass and other hazards. Don’t venture out until you get official clearance from the disaster dashboard or official sources on the radio saying it is safe.</p> <p>For <a href="https://www.ses.qld.gov.au/ses-assistance">non-life threatening emergencies</a> – such as a tree on your roof, or water running through your house – call the SES on 132 500 or register on the <a href="https://apps.apple.com/au/app/ses-assistance-qld/id704964892">SES Assistance app</a> (if you’re in Queensland). They will not come during the event itself but will come later.</p> <p>If it’s a life threatening emergency, always call triple 0.</p> <h2>After the storm</h2> <p>After the storm, consider how to make your house more cyclone-ready in future. Many houses in North Queensland are designed for cyclone zones, but not as many further south will be.</p> <p>Climate change means cyclones are likely to be more severe in future. These days, be cyclone-ready 365 days a year.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/251251/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><em><a href="https://theconversation.com/profiles/yetta-gurtner-2337172">Yetta Gurtner</a>, Adjunct senior lecturer, Centre for Disaster Studies, <a href="https://theconversation.com/institutions/james-cook-university-1167">James Cook University</a></em></p> <p><em>Image credits: SBS News</em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/how-to-prepare-for-a-cyclone-according-to-an-expert-251251">original article</a>.</em></p> </div>

Travel Tips

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Rock star's fiancée dies after falling overboard on cruise

<p>The fiancée of famous rockstar Taime Downe has died after falling overboard on an 80s music-themed cruise. </p> <p>The family of Kimberly Burch announced her death in a emotional post on Facebook, writing, "It is with broken hearts that we share the sad news that Kimberly Burch has passed away."</p> <p>"She was a beloved Daughter, Sister, Sister-in-law and Aunt. She will be greatly missed by all that knew and loved her."</p> <p>"We ask for prayers during this time for our family as we try to wrap our minds around this heartbreaking tragedy. We love and miss you Kimberly Burch!!"</p> <p>Burch, who worked as a realtor, joined the cruise on Sunday, as her partner's band Faster Pussycat was booked as one of the musical acts on board the seven-day cruise.</p> <p>By Monday, Burch had gone overboard roughly 30kms from the Bahamas and was presumed dead, with her family sharing their message confirming her death on social media on Tuesday. Her body remains missing.</p> <p>The couple shared a loved-up photo of them on the cruise less than 24 hours before her untimely death. </p> <p>Downe's band Faster Pussycat, an '80s hard rock and glam metal group known for their hits including <em>House Of Pain</em>, had two performances scheduled over the cruise – one on Sunday and another for Tuesday night.</p> <p>The cruise, billed as an ideal trip for lovers of '80s music, is set to return to port on Sunday March 9th.</p> <p>In a statement to <em><a title="Variety" href="https://variety.com/2025/music/news/kimberly-burch-dies-80s-cruise-faster-pussycat-1236327187/" target="_blank" rel="noopener">Variety</a></em>, Royal Caribbean said: "Our crew immediately launched a search and rescue effort, is working with local authorities, and we are providing support and assistance to the guest's family during this difficult time."</p> <p>"To respect the privacy of our guest's family, we have no additional details to share."</p> <p><em>Image credits: Instagram </em></p>

Cruising

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Young couple sold almost everything to live on a cruise ship

<p>Two savvy US school teachers Monica Brzoska, 32, and Jorrell Conley, 36, have sold almost all of their possessions to live at sea.</p> <p>The couple fell in love with cruising after travelling to Mexico, Belize and Grand Cayman almost a decade ago.</p> <p>In 2023, after Monica's father fell ill, she was inspired to live the life she had always wanted. </p> <p>"Don’t wait for retirement to follow your dreams. Do it now," her mother had told her. </p> <p>That's when she and her husband made the life-changing decision. </p> <p>“Instead of coming back, why not keep booking consecutive cruises for as long as we could afford to?” Monica told <em>The Sun</em>. </p> <p>“It sounds mad, but the numbers made sense. Accommodation, food and entertainment would be included – we’d only need spending money.</p> <p>“And because we’d been on so many Carnival cruises, we’d earned access to some amazing offers.</p> <p>“If we chose the cheapest cabins, our savings from the pandemic would allow us to book eight months of cruising for $16,000 – some trips paid for in full, others with deposits.</p> <p>“We could then use the rent from our three-bedroom house in Memphis to make extra payments as needed. Many cruises start and end in the same ports, so we knew we’d be able to disembark and easily board our next ship, or otherwise fly to the port.”</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/p/DEQkivEJ0DS/?utm_source=ig_embed&amp;utm_campaign=loading" data-instgrm-version="14"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"> </div> </div> </div> <div style="padding: 19% 0;"> </div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"> </div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <div style="padding: 12.5% 0;"> </div> <div style="display: flex; flex-direction: row; margin-bottom: 14px; align-items: center;"> <div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(0px) translateY(7px);"> </div> <div style="background-color: #f4f4f4; height: 12.5px; transform: rotate(-45deg) translateX(3px) translateY(1px); width: 12.5px; flex-grow: 0; margin-right: 14px; margin-left: 2px;"> </div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(9px) translateY(-18px);"> </div> </div> <div style="margin-left: 8px;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 20px; width: 20px;"> </div> <div style="width: 0; height: 0; border-top: 2px solid transparent; border-left: 6px solid #f4f4f4; border-bottom: 2px solid transparent; transform: translateX(16px) translateY(-4px) rotate(30deg);"> </div> </div> <div style="margin-left: auto;"> <div style="width: 0px; border-top: 8px solid #F4F4F4; border-right: 8px solid transparent; transform: translateY(16px);"> </div> <div style="background-color: #f4f4f4; flex-grow: 0; height: 12px; width: 16px; transform: translateY(-4px);"> </div> <div style="width: 0; height: 0; border-top: 8px solid #F4F4F4; border-left: 8px solid transparent; transform: translateY(-4px) translateX(8px);"> </div> </div> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center; margin-bottom: 24px;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 224px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 144px;"> </div> </div> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;"><a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none;" href="https://www.instagram.com/p/DEQkivEJ0DS/?utm_source=ig_embed&amp;utm_campaign=loading" target="_blank" rel="noopener">A post shared by Monica Brzoska (@life_by_any_means)</a></p> </div> </blockquote> <p>The pair quit their jobs, sold most of their possessions and rented out their three-bedroom home in Memphis, and have been cruising for almost two years now. </p> <p>Since making the move, the couple have completed 36 consecutive cruises and visited almost 50 countries.</p> <p>“I instantly felt free,” she said. </p> <p>“People are amazed when they hear we live on ships, and I’m always happy to share the tricks we’ve learned to save money. We’ve won excursion tickets, jewellery and spa treatments in onboard raffles, while on land, we do our own tours, using local transport to explore," she said. </p> <p>However, she admitted that there are a few challenges, including missing family, but regardless "it really is a dream come true". </p> <p><em>Image: Instagram</em></p> <p> </p>

Retirement Life

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"Dropping like flies": Cruise passengers ravaged by severe virus

<p>A dream holiday has turned into a floating nightmare for passengers onboard a P&O Cruise after the vessel was ravaged with a severe strain of novovirus. </p> <p>The luxury ship, Iona, was sailing through Northern Europe when the virus struck, affecting over 5000 guests and nearly 2000 staff onboard. </p> <p>Sky News UK reported that the onslaught of the virus has caused hundreds of passengers to fall ill with the company releasing statements providing updates as the situation grows worse aboard the ship.</p> <p>The ship, which is currently located off shore near Belgium, is continuing on with the itinerary as planned, with staff attempting to isolate the affected passengers and restrict their movements both aboard the ship and land-based stopovers.</p> <p>“People were throwing up in restaurants, on decks, outside cabins,” one of the passengers told Sky News. “A large number of guests and staff are experiencing the virus symptoms. They're dropping like flies."</p> <p>Norovirus is the most common cause of gastroenteritis and causes diarrhoea, vomiting, and severe stomach pain.</p> <p>The symptoms usually develop 12 to 48 hours after being exposed and can take three days for a person to fully flush the virus from their system.</p> <p>P&O Cruises confirmed that some guests have reported symptoms of gastrointestinal illness but refused to provide an update on the health of cruise staffers.</p> <p>“P&O Cruises works with global, national and regional public health authorities on approved and proven protocols across our ships in order to protect the health and wellbeing of all on board,” a P&O spokesperson said.</p> <p><em>Image credits: Shutterstock</em></p>

Travel Trouble

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Man slapped with $76,000 bill on free cruise

<p>A couple from the US have been slapped with a five-figure bill after embarking on a cruise that they won. </p> <p>Mark and Tami were onboard the Norwegian Cruise Line ship Encore, after winning their trip for free, to celebrate Tami given a clean bill of health after the successful removal of a “mass from her lungs” in October 2024 following a cancer diagnosis.</p> <p>Just four days after setting off on their five-week journey, Mark fell ill and was taken to the ship's dedicated ICU with flu symptoms and reduced oxygen levels. </p> <p>He received oxygen, a catheter, IV medications, and X-rays, and when he felt better the next morning, asked to quarantine in his cabin room for the remainder of the trip. </p> <p>However, he was not allowed to leave the medical ward, and so the costs of his stay there continued to climb.</p> <p>“Mike spent a total of four days in the medical ward and asked to be released each day,” his daughter Krystal Cameron wrote in a <a href="https://www.gofundme.com/f/relieve-mike-and-tamis-medical-burden?attribution_id=sl:5f4f89c5-bda8-4947-8f2b-5c9203b2cf8f&amp;lang=en_US&amp;utm_campaign=man_ss_icons&amp;utm_medium=customer&amp;utm_source=copy_link" target="_blank" rel="noopener" data-link-type="article-inline">GoFundMe</a> to help pay the $75,800 ($47,638 USD) medical bill.</p> <p>During that time, she said staff would not remove his IV line, or the catheter which Tamra claims had been incorrectly fitted and was “leaking”.</p> <p>“Not on your life would I put my life in these people’s hands,” Tamra added in a social media post.</p> <p>“Should have demanded to get off at (the) port (on the) British Virgin Islands, where I was lied to that they had no good hospital.”</p> <p>Norwegian Cruise Line confirmed to <a href="https://7news.com.au/news/mark-won-a-free-holiday-with-norwegian-cruise-line-then-he-was-slapped-with-a-75800-bill-onboard-c-17618959" target="_blank" rel="noopener">7News</a> that Mike’s medical procedures and resulting expenses have been reviewed internally by the company, writing in a statement, “Mr Cameron was admitted to the onboard medical centre and received appropriate treatment for his condition, followed by 62 hours of critical care."</p> <p>“We are committed to providing quality medical services and each of our ships is equipped with a state-of-the-art onboard medical centre, staffed with highly qualified physicians and nurses, to provide care for both guests and crew while at sea."</p> <p>The couple had purchased travel insurance and said the Norwegian Cruise Line medical secretary reassured them they were covered for $20,000 USD ($31,987 AUD) and told “not to worry” when they raised concerns.</p> <p>However, Norwegian Cruise Line maxed out both credit cards they had on file for the couple when charging them with the final bill, adding, “Medical insurance is not accepted onboard.”</p> <p>“We strongly encouraged the guest to file a claim with their health insurance provider post-cruise," Norwegian Cruise Line told <em>7News</em>. </p> <p>“As the guest did purchase travel insurance for their vacation, we have recommended they follow up on their claim with the insurance provider, after they have filed the claim with their health insurance provider.”</p> <p>But Krystal said “neither their travel insurance nor their personal health insurance will cover the medical treatments received”.</p> <p>The travel insurance company requires the couple’s health insurance company to initially pay the bill, but their health insurance company states because the incident happened abroad it is not covered by the policy, Krystal said.</p> <p>“Between Tami’s recent cancer diagnosis and surgery ... and my father’s illness ... their medical debt is quickly adding up,” Krystal said.</p> <p><em>Image credits: GoFundMe / Facebook </em></p>

Legal

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Cabana drama: 5 expert tips on how not to be branded a twit when using a beach tent

<div class="theconversation-article-body"><em><a href="https://theconversation.com/profiles/samuel-cornell-1418374">Samuel Cornell</a>, <a href="https://theconversation.com/institutions/unsw-sydney-1414">UNSW Sydney</a></em></p> <p>Debate erupted this week over the growing number of beach tents, or “cabanas”, proliferating on Australian beaches. The controversy, which <a href="https://www.tiktok.com/@gunclediaries/video/7453200613170564370">began on social media</a>, was fuelled by Prime Minister Anthony Albanese who declared it was “not on” for beachgoers to reserve a spot on the sand by erecting a cabana then leaving it vacant for hours.</p> <p>Albanese <a href="https://www.pm.gov.au/media/television-interview-today-show-19">told</a> Nine’s Today show “everyone owns the beach” and staking a claim on the sand was “a breach of that principle, really”.</p> <p>Other critics deem beach cabanas an eyesore. And lifeguards say <a href="https://www.abc.net.au/news/2023-01-21/busy-beaches-noosa-cabana-craze-surf-lifesavers/101875660">the structures can</a> obscure their view of the water, which poses a safety risk.</p> <p>Beach cabanas do, however, serve <a href="https://www.sciencedirect.com/science/article/pii/S0190962208007330?via%3Dihub">a valid purpose</a>. They provide some <a href="https://theconversation.com/i-cant-get-sunburnt-through-glass-shade-or-in-water-right-5-common-sunburn-myths-busted-150640">protection against the sun’s harmful ultraviolet rays</a> and, from a recreational perspective, can enable people to spend longer at the beach on hot days than they might have otherwise.</p> <p>I’m a member of the University of NSW <a href="https://www.beachsafetyresearch.com">Beach Safety Research Group</a>, and I’ve worked with local councils and national parks to address health and safety issues on beaches. So let’s look at how to strike the right balance between personal convenience and public safety when using a cabana.</p> <figure><iframe src="https://www.youtube.com/embed/U4W_2ti5QUk?wmode=transparent&amp;start=0" width="440" height="260" frameborder="0" allowfullscreen="allowfullscreen"></iframe></figure> <h2>A fair go for all?</h2> <p>In years past, Aussies came to the beach with a towel and maybe a book, stayed a little while then left.</p> <p>But more recently, the use of beach tents and cabanas has grown. It’s likely the result of Australia’s <a href="https://soe.dcceew.gov.au/coasts/pressures/population">growing coastal population</a>, and a rising awareness of the dangers posed by sun exposure.</p> <p>These days, it’s not uncommon to visit a popular beach in summer and find a village of cabanas stretching as far as the eye can see.</p> <p>It’s great to see so many people using the beach. Beaches and oceans are <a href="https://www.sciencedirect.com/science/article/pii/S0013935120310665">health-giving places</a>, though they come with inherent dangers.</p> <p>And of course, in Australia the beach is free for all who wish to use it. It’s an approach in line with our <a href="https://www.theguardian.com/commentisfree/2020/oct/12/even-without-private-clubs-the-egalitarian-australian-beach-is-a-national-myth">supposedly egalitarian culture</a>, in which everyone gets a “fair go”. Here, beaches are a place to be shared, no matter what your income or social status.</p> <p>The approach contrasts to many destinations in Europe, the United States and elsewhere, where large sections of beaches are reserved for private use. At Waikiki beach in Honolulu, for example, people <a href="https://www.waikikibeachservices.com/royal-hawaiian/beach-umbrella-chair-rental/">pay US$100 or more</a> to hire an umbrella and chairs, and a place on the sand for the day.</p> <p>To some naysayers, cabana use in Australia <a href="https://www.theguardian.com/australia-news/2025/jan/07/everyone-owns-the-beach-prime-minister-anthony-albanese-weighs-in-cabana-debate">challenges the notion</a> that the beach is for everyone. They question whether people should be allowed to mark out beach territory no-one else can use. That’s why in 2020, a bid by a private company to introduce paid cabanas on Sydney’s Bondi Beach <a href="https://www.9news.com.au/national/bondi-beach-petition-to-open-paid-cabanas-on-sand-amalfi-beach-club/ef1ddae5-e24e-4dd8-810d-f0d9ba5c2971">prompted a public outcry</a>.</p> <p>Cabanas bring practical challenges, too. They represent an unplanned influx of temporary infrastructure into busy public spaces. Left unchecked, they could cause pedestrian congestion and become a flashpoint for disagreement between beachgoers.</p> <p>The current debate may prompt Australian beach authorities to consider bringing in cabana regulation, similar to what’s in place for <a href="https://www.smh.com.au/national/nsw/does-sydney-need-us-style-cabana-ban-to-curb-beach-spreading-20230202-p5chgi.html">some beaches in the US</a>.</p> <p>In the meantime, here are five tips for safe and fair use of beach cabanas:</p> <p><strong>1. Placement:</strong> Erect your cabana at the back of the beach and away from lifeguard towers or lifesaver tents to avoid obstructing lifeguards’ views. Clear sightlines to the water are essential for ensuring timely emergency responses. This positioning also leaves space closer to the water for other beachgoers, including children playing at the water’s edge.</p> <p><strong>2. Tying down:</strong> Secure your cabana firmly in the sand to prevent it from being blown away by strong winds. Flying cabanas are a danger to other beach users, potentially causing injuries and damage to property.</p> <p><strong>3. Spacing:</strong> Avoid overcrowding by maintaining two to three meters between structures. This ensures free movement and accessibility for all beachgoers, and ensures families and groups can enjoy the beach without feeling cramped. Also, stay within the boundaries of your cabana and don’t claim territory outside its boundaries.</p> <p><strong>4. Emergency access:</strong> Keep pathways and access points clear at all times. This is crucial for lifeguard vehicles, ambulances and surf rescue teams. Unobstructed access can make the difference between life and death in an emergency.</p> <p><strong>5. Common sense:</strong> As with using any shared space, consider the needs of others and apply common sense. How would you feel if someone set up a structure right in front of you, blocking your view of the waves or ruining your vibe? Or if you or a loved one needed medical attention on a beach, would you want an ambulance crew obstructed by an unbroken line of tents?</p> <h2>Looking ahead</h2> <p>In the past, some have called for <a href="https://au.news.yahoo.com/calls-grow-to-ban-cabanas-on-aussie-beaches-get-out-and-leave-051701259.html">a ban on beach cabanas</a>. But the structures appear here to stay – and that’s not a bad thing. Skin cancer <a href="https://www.aihw.gov.au/reports/cancer/cancer-in-adolescents-and-young-adults-in-australi/contents/summary">affects more young Australians</a> than any other cancer, and the Cancer Council <a href="https://www.abc.net.au/news/2023-01-26/cancer-council-beach-cabanas-skin-cancer-rate-highest-in-qld/101887320">applauds the use of cabanas</a>.</p> <p>It’s important to note, however, that cabanas do not <a href="https://pmc.ncbi.nlm.nih.gov/articles/PMC3873510/">provide complete protection from UV rays</a>. If you’re at the beach all day, <a href="https://theconversation.com/do-beach-cabanas-actually-protect-you-from-the-sun-199102">you might still get too much sun</a> even under a tent.</p> <p>When it comes to your next visit to the coast, by all means pack your cabana. But make sure you use it carefully and responsibly, so everyone’s day at the beach is safe and enjoyable.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/246882/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><a href="https://theconversation.com/profiles/samuel-cornell-1418374"><em>Samuel Cornell</em></a><em>, PhD Candidate, UNSW Beach Safety Research Group + School of Population Health, <a href="https://theconversation.com/institutions/unsw-sydney-1414">UNSW 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/cabana-drama-5-expert-tips-on-how-not-to-be-branded-a-twit-when-using-a-beach-tent-246882">original article</a>.</em></p> </div>

Travel Tips

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How do mosquito repellents work? A chemistry expert explains

<div class="theconversation-article-body"><em><a href="https://theconversation.com/profiles/daniel-eldridge-1494633">Daniel Eldridge</a>, <a href="https://theconversation.com/institutions/swinburne-university-of-technology-767">Swinburne University of Technology</a></em></p> <p>It’s summertime, and for many of us that means plenty of time outside – and, unfortunately, mosquitoes.</p> <p>The combination of the <a href="https://theconversation.com/why-your-summer-might-be-full-of-mosquitoes-according-to-a-scientist-98369">increase in temperature and plenty of water</a> is ideal for these blood-sucking insects to make their presence felt.</p> <p>In the best-case scenario, they are a pest, delivering a highly unpleasant sting. At the other end of the spectrum, they are vectors for diseases responsible for <a href="https://www.cdc.gov/global-health/impact/fighting-the-worlds-deadliest-animal.html">more human fatalities than any other animal on Earth</a>.</p> <p>To keep them at bay, many of us will reach for the bottle of insect repellent or citronella candles in order to avoid the bite and incessant itching that comes with it. But how do these repellents actually work?</p> <h2>A complex interplay</h2> <p><a href="https://www.mcgill.ca/oss/article/health-technology/why-mosquitos-bite-you-and-how-make-them-stop">A great deal</a> of research has gone into understanding how and why female mosquitoes – they are the ones that bite us – are attracted to people.</p> <p>There is evidence showing they are attracted to the <a href="https://www.nih.gov/news-events/nih-research-matters/how-mosquitoes-detect-people">carbon dioxide</a> we exhale, lactic acid found in our sweat, and a variety of other <a href="https://pubmed.ncbi.nlm.nih.gov/24315103/">skin odours</a> and <a href="https://pmc.ncbi.nlm.nih.gov/articles/PMC6482070/">volatile compounds</a> we give off. The interplay between all these factors is quite <a href="https://pmc.ncbi.nlm.nih.gov/articles/PMC8906108/">complex</a>.</p> <p>To ward off mosquitoes, physical barriers such as netting make for the best protection. However, while you might put netting around a backdoor patio and barbecue, doing this for any large space is simply not practical.</p> <p>This is where repellents come in.</p> <h2>DEETerrent</h2> <p>There are a variety of mosquito repellents available.</p> <p>The most tried-and-true products are based on a substance called N,N-diethyl-meta-toluamide, more commonly referred to as DEET.</p> <p>This molecule has been commercially available since 1957, <a href="https://www.usda.gov/media/blog/2018/05/17/protecting-military-flying-foes">after the United States military discovered</a> it was an effective insect repellent.</p> <p>DEET is often used as a <a href="https://www.consumerreports.org/health/insect-repellent/how-safe-is-deet-insect-repellent-safety-a4952100929/">point of comparison</a> for <a href="https://www.nejm.org/doi/full/10.1056/NEJMoa011699">studies</a> investigating alternatives. <a href="https://scijournals.onlinelibrary.wiley.com/doi/full/10.1002/ps.5476?casa_token=prUg_pX7fjAAAAAA%3AuEKT5PGXWU1mO4fakwQ9NSEY-0uVYBEz25zWxXjMOp5AxX5UFWENJc1UF_JdsKA45x3sSHpmJSLJSwM">Studies show that</a>, provided they are used according to direction, <a href="https://pmc.ncbi.nlm.nih.gov/articles/PMC4041896/">DEET products are safe and effective</a>.</p> <p>For example, it is recommended that when required, <a href="https://pmc.ncbi.nlm.nih.gov/articles/PMC9458079/">sunscreen is applied</a> before the repellent. DEET products are not recommended for infants.</p> <p>The exact mechanism by which DEET repels mosquitoes and other insects is <a href="https://www.tandfonline.com/doi/full/10.1080/19336934.2015.1079360#d1e132">still explored</a> <a href="https://link.springer.com/article/10.1007/s13258-020-00991-z">today</a>.</p> <p>Many studies link its success to mosquitoes having receptors that sense the presence of DEET, deterring them from closely approaching our skin. Some investigations suggest that when DEET is detected, it <a href="https://pubmed.ncbi.nlm.nih.gov/18339904/">inhibits mosquitoes’ attraction</a> to us, while others show evidence that mosquitoes “<a href="https://pmc.ncbi.nlm.nih.gov/articles/PMC2518096/pdf/zpq13598.pdf">smell and avoid</a>” DEET.</p> <p>There are also numerous reports demonstrating mosquitoes don’t bite when they <a href="https://www.cell.com/current-biology/pdfExtended/S0960-9822(19)30402-6">land on</a> DEET-treated skin. This is because DEET acts as a contact-based repellent and conveys a chemical message to mosquitoes to leave. <a href="https://www.tandfonline.com/doi/full/10.1080/19336934.2015.1079360">Studies</a> <a href="https://www.cell.com/current-biology/pdfExtended/S0960-9822(19)30402-6">suggest</a> that DEET likely works through a combination of the processes described here.</p> <h2>Effective alternatives</h2> <p>Another more recent family of mosquito repellent products rely on an active ingredient called picaridin (or icaridin).</p> <p>The current consensus is that picaridin products are safe, and highly effective. For many, they are considered appealing as they <a href="https://www.sciencedirect.com/science/article/pii/S0190962207014673?casa_token=zzPMhkW9QtIAAAAA:Euk6hjWnuiem6OAq020Xv0Pu70K7LfN_siLGcK1DIyOZn-mbH7U9tKK115rAK0rYbWQ2oaMGfg#bib49">don’t have as strong a scent</a> as DEET.</p> <p>Picaridin products have been reported to be <a href="https://pmc.ncbi.nlm.nih.gov/articles/PMC4270489/">equally effective</a> as DEET, or in some cases, even <a href="https://academic.oup.com/jtm/article/25/suppl_1/S10/4990399">slightly superior</a>, though the outcome depends on their concentration too.</p> <p>The other repellent regularly reported as being effective is para-menthane-3,8-diol (PMD).</p> <p>This is produced by chemical treatment of <a href="https://www.phrp.com.au/issues/december-2016-volume-26-issue-5/a-review-of-recommendations-on-the-safe-and-effective-use-of-topical-mosquito-repellents/">oil of lemon eucalyptus</a>.</p> <p>Untreated, this oil isn’t effective at repelling mosquitoes. However, <a href="https://onlinelibrary.wiley.com/doi/10.1002/(SICI)1099-1573(199606)10:4%3C313::AID-PTR854%3E3.0.CO;2-O">several</a> <a href="https://journals.sagepub.com/doi/full/10.1016/j.wem.2015.11.007">studies</a> have shown that PMD is an effective mosquito repellent.</p> <p>The ability of these repellents to deter mosquitoes is <a href="https://pmc.ncbi.nlm.nih.gov/articles/PMC4270489/">dose</a> <a href="https://academic.oup.com/jtm/article/25/suppl_1/S10/4990399">dependent</a>.</p> <p>In all cases, it’s important that an appropriate dose is applied, with re-application sometimes required to keep protection to a maximum. The performance of these products varies according to many other variables too, including <a href="https://pmc.ncbi.nlm.nih.gov/articles/PMC4270489/">the species of mosquito</a>.</p> <h2>What about citronella?</h2> <p>Citronella products, including candles and topical formulations, are popular choices for keeping mosquitoes away.</p> <p>However, in systematic testing, these <a href="https://onlinelibrary.wiley.com/doi/10.1155/2015/361021">have been shown</a> to be <a href="https://www.nejm.org/doi/full/10.1056/NEJMoa011699">far less effective</a> than DEET.</p> <p>Studies have also shown that <a href="https://academic.oup.com/jinsectscience/article/17/1/24/2996380?login=false">citronella candles don’t</a> <a href="https://pmc.ncbi.nlm.nih.gov/articles/PMC4617422/">fend off mosquitoes</a> <a href="https://pubmed.ncbi.nlm.nih.gov/8827606/">as much</a> as you might like.</p> <p>There are many other repellent products on the market.</p> <p>Given the widespread interest in preventing mosquito bites, natural remedies abound. It’s important to recognise that natural <a href="https://academic.oup.com/jinsectscience/article/17/1/24/2996380?login=false">isn’t necessarily more effective</a> and it <a href="https://theconversation.com/what-does-a-chemical-do-addressing-misconceptions-about-chemistry-104085">isn’t necessarily safer</a>.</p> <p>In <a href="https://www.nejm.org/doi/full/10.1056/NEJMoa011699">most reported studies</a>, DEET and picaridin are reported as having the greatest duration of protection (of the order of hours) and greatest effect on the mosquitoes. They are more thoroughly tested than many alternatives.</p> <p>When others are tested, they are often found wanting.</p> <p>One study described sound-based devices as being the repellent equivalent of <a href="https://academic.oup.com/jinsectscience/article/17/1/24/2996380?login=false">snake oil</a>. And although repellent bracelets contain working ingredients, they are largely ineffective in that form. This is because of insufficient concentrations of the active ingredient being “emitted”.</p> <p>When it comes to preventing disease transmission via mosquitoes, the <a href="https://pmc.ncbi.nlm.nih.gov/articles/PMC4041896/">benefits</a> of the proven repellents far outweigh the risks.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/244403/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><em><a href="https://theconversation.com/profiles/daniel-eldridge-1494633">Daniel Eldridge</a>, Senior Lecturer in Chemistry, <a href="https://theconversation.com/institutions/swinburne-university-of-technology-767">Swinburne University of Technology</a></em></p> <p><em>Image credits: Shutterstock</em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/how-do-mosquito-repellents-work-a-chemistry-expert-explains-244403">original article</a>.</em></p> </div>

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Expert reveals how to cope with flight anxiety

<p dir="ltr">While thousands of Aussies travel by plane everyday, not everyone is so relaxed about air travel. </p> <p dir="ltr">According to recent Google data, searches for advice on flight anxiety are on the rise by more than 5000 per cent. </p> <p dir="ltr">Thankfully, there is help out there for those who struggle with anxious thoughts around flying. </p> <p dir="ltr">Researcher and neuroscientist Dr Brian Ramos from <a href="https://simplynootropics.com.au" target="_blank" rel="noopener">Simply Nootropics</a> explained why some people are impacted more than others.</p> <p dir="ltr">"People's past experiences, personality traits, and levels of general anxiety all play a role in how intensely they experience flying anxiety, making some individuals more prone to it than others," he told <em><a href="https://travel.nine.com.au/latest/how-to-get-over-flight-anxiety-before-holiday-expert-tips/72ff01bd-8245-4ba9-a440-8a5fa6fa74db">9Travel</a></em>. </p> <p dir="ltr">He went on to offer four ways to combat flight anxiety on your next trip. </p> <p dir="ltr"><strong>Reframe your anxiety as excitement </strong></p> <p dir="ltr">Dr Ramos believes that by redefining the physical signs of anxiety as excitement for your holiday, you can fool your brain into thinking differently. </p> <p dir="ltr">"Reframing anxiety as excitement can trick your brain into receiving your nervous system's response more positively," Brian said.</p> <p dir="ltr">"Both anxiety and excitement trigger similar physical responses, like a racing heart and butterflies, but the key difference lies in how we interpret them.”</p> <p dir="ltr">"Instead of viewing these sensations as signs of danger, you can remind yourself they signal anticipation and energy."</p> <p dir="ltr"><strong>Think about the facts </strong></p> <p dir="ltr">Looking at your situation practically can help calm your anxious mind when on a plane, according to Dr Ramos. </p> <p dir="ltr">"Look around you - is anyone else freaking out? Aeroplanes are one of the safest modes of transportation," Brian said.</p> <p dir="ltr">"Statistically, the odds of an accident are extremely low, with air travel being far safer than driving in a car - something we all do regularly and don't bat an eyelid at."</p> <p dir="ltr"><strong>Keep yourself busy </strong></p> <p dir="ltr">By tapping into mindful activities can help push anxious thoughts to the back of your mind. </p> <p dir="ltr">As Brian says, "Distracting your mind with a good podcast or book is a great way to manage flight anxiety by redirecting your focus away from fear-inducing thoughts."</p> <p dir="ltr">"Engaging with a story or interesting conversation can keep your brain occupied.”</p> <p dir="ltr"><strong>Re-centre your brain if you feel yourself spiralling </strong></p> <p dir="ltr">"To calm an anxiety attack during a flight, first, focus on your breathing," Brian said.</p> <p dir="ltr">"Practice deep, slow breaths; inhaling through your nose for four counts, holding for four, and exhaling through your mouth for four.”</p> <p dir="ltr">"Second, ground yourself using the 5-4-3-2-1 technique: identify five things you can see, four you can touch, three you can hear, two you can smell, and one you can taste.”</p> <p dir="ltr">"Finally, use positive self-talk."</p> <p dir="ltr"><em>Image credits: Shutterstock </em></p>

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Is it important to read the explanatory labels next to artworks? We asked 5 experts

<div class="theconversation-article-body"><a href="https://theconversation.com/au/team#noor-gillani">Noor Gillani</a>, <em><a href="http://www.theconversation.com/">The Conversation</a></em></p> <p>You’re standing at the centre of an expansive art gallery, overwhelmed by what’s in front of you: panel after panel of stupendous works – densely-written labels affixed next to each piece. These labels may offer a window into the artist’s intention, or the social and historical context of the work.</p> <p>Without any background information, how do you make the most of your visit? Do you turn to the curatorial wisdom in the accompanying text? Or can the art be experienced just as profoundly, if not more so, without any external guidance?</p> <p>We asked five experts – and their answers suggest art may be witnessed in as many wide and varied ways as it is created.</p> <hr /> <p><iframe id="tc-infographic-1126" class="tc-infographic" style="border: none;" src="https://cdn.theconversation.com/infographics/1126/55d9482b08757aee48101ba96e8574992a377705/site/index.html" width="100%" height="400px" frameborder="0"></iframe><!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/243694/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><a href="https://theconversation.com/au/team#noor-gillani"><em>Noor Gillani</em></a><em>, Digital Culture Editor, <a href="http://www.theconversation.com/">The Conversation</a></em></p> <p><em>Image credits: Shutterstock </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/is-it-important-to-read-the-explanatory-labels-next-to-artworks-we-asked-5-experts-243694">original article</a>.</em></p> </div>

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"Horrifying": Cruise passengers left reeling over "KKK cruise"

<p>Passengers onboard a P&amp;O Australia cruise have been left reeling after staff members emerged in costumes resembling the Ku Klux Klan during a themed event. </p> <p>According to the cruise liner, the disturbing incident occurred onboard the Pacific Explorer during a Christmas-themed voyage, when a staff fun day went wrong. </p> <p>One passenger captured the "horrifying" moment the crew donned what she described as "offensive KKK costumes".</p> <p>The crew were believed to be part of the ship's housekeeping staff, with one member pictured holding up a housekeeping sign.</p> <p>Dressed in white cloaks and white masks with pointed tops and eye-holes cut out - the same as those worn by the KKK - the crew members competed in a Christmas-themed 'sports battle day'.</p> <p>Passenger Terri told <em><a href="https://www.dailymail.co.uk/news/article-14306781/P-O-cruise-klu-klux-klan.html" target="_blank" rel="noopener">Daily Mail Australia</a></em> that many were excited about the onboard event day, which was highly publicised throughout the ship in the days before. </p> <p>However, everything allegedly went "quiet" when the costumed staff emerged, as Terri instructed her husband to "get the camera" and document the shocking moment. </p> <p>"I (requested) a please explain and have received no response," Terri said. "This is not tolerated in this current environment and education is desperately needed."</p> <p>Terri also shared the video on of the moment on social media, recounting the incident. </p> <p>"There was a lot excitement then it all went quiet… the lack of judgement was astounding," she said.</p> <p>"Everyone was there, everyone gathered, it was advertised, there was a lot of noise and it went dead quiet, just silent."</p> <p>"A lady sitting in front of me, her jaw dropped she was like 'what the hell', everyone was like OMG - they were calling it the 'KKK cruise'."</p> <p>"They’d gone the whole way through this ship dressed as the KKK and paraded through the Lido deck in front of basically every passenger but it was only then when senior crew saw them and they took their hats off."</p> <p>"I spoke ... to one of the (housekeeping) staff - they were all male - and he told me 'we didn't think we didn’t anything wrong'. They didn't say they weren't dressed as the Ku Klux Klan when I asked them but I truly believe it was an innocent mistake."</p> <p>Terri said she expected senior ship crew to offer an apology or explanation but none was given. </p> <p>After the controversy, A P&amp;O Cruises Australia spokesperson clarified that the crew were dressed as "upside-down snow cones" and not as the Ku Klux Klan. </p> <p>"We regret if a recent incident on a Pacific Explorer cruise offended any guests," the spokesperson told <em>Daily Mail Australia</em>. </p> <p>"Several crew members dressed up as snow cones for a Christmas family event, not understanding how their costumes could be misconstrued. They were only in public view for a short time before management acted quickly and had them remove the costumes. The crew members were horrified and extremely apologetic when they learned of the distress their outfits could cause."</p> <p><em>Image credits: Facebook / Daily Mail Australia</em></p>

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Cruise line asks for travellers help with billion-dollar ship design

<p>If you've ever been on a cruise ship and had your opinions on what elements of the ship could be improved, now is your chance to have your say. </p> <p>Celebrity Cruises is giving travellers the opportunity to help design the cruise line's newest billion-dollar ship, Celebrity Xcel.</p> <p>In a first for the cruising industry, dedicated cruisers will assist in making key decisions across culinary, entertainment and interior design for the new ship. </p> <p>"We want to ensure our guests love our products and experiences, so involving them in the process to perfect Celebrity Xcel was a great way to achieve this," Michael Scheiner, chief marketing and product officer of Celebrity Cruises, said.</p> <p>Open to anyone who wishes to have their say, the global community of travellers will test, try and vote on new experiences, through online polls and one-of-a-kind experiential in-person events.</p> <p>The Dream Makers community will have final say on design elements of the ship, such as textiles and interior design choices, as well as picking their favourite dining and beverage options to be served onboard. </p> <p>Plus, they get to provide input on headline shows, selecting playlists, and partake in selections to appoint pivotal entertainment positions onboard.</p> <p>"Celebrity Cruises is known for ground-breaking innovation in ship design and experiences unlike any other at sea," Michael said.</p> <p>"When Xcel launches guests won't have just found their happy place, they'll have helped us build it."</p> <p>Celebrity Xcel launches in November 2025 and will be the fifth ship in the cruise line's award-winning Edge Series.</p> <p>Those interested in joining Xcel Dream Makers to have their say on the new ship can learn more at <a title="" href="http://www.celebritycruises.com/xceldreammakers" target="_blank" rel="noopener">celebritycruises.com/xceldreammakers</a>.</p> <p><em>Image credits: Celebrity Cruises</em></p>

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Retiring with debt? Experts explain downsizing, using super for your mortgage, and pension eligibility

<div class="theconversation-article-body"> <p><em><a href="https://theconversation.com/profiles/kathleen-walsh-218536">Kathleen Walsh</a>, <a href="https://theconversation.com/institutions/university-of-technology-sydney-936">University of Technology Sydney</a> and <a href="https://theconversation.com/profiles/jemma-briscoe-2234812">Jemma Briscoe</a>, <a href="https://theconversation.com/institutions/university-of-technology-sydney-936">University of Technology Sydney</a></em></p> <p>About <a href="https://cepar.edu.au/sites/default/files/cepar-research-brief-housing-ageing-australia.pdf">36%</a> of homeowners still have a mortgage when they retire, up from 23% a decade ago.</p> <p>This increase in mortgage debt is due to soaring property prices, <a href="https://www.mlc.com.au/content/dam/mlc/documents/pdf/retirement/retirement-reports-housing-report.pdf">changes in retirement ages</a> and easy access to <a href="https://www.dss.gov.au/our-responsibilities/seniors/benefits-payments/home-equity-access-scheme">drawdown equity loans</a> (where you use your home as security to get a loan, which can be used to fund travel, medical costs and other expenses).</p> <p>So, what are the options for homeowners who carry debt into retirement?</p> <h2>Option 1: keeping the home and the debt</h2> <p>If you keep the family home in retirement, you get to own a property and can still receive the <a href="https://www.dva.gov.au/get-support/financial-support/income-support/what-changes-your-payments/your-property-or-accommodation/how-owning-home-can-affect-pensions-and-payments">age pension</a>.</p> <p>For example: Jackie has a home worth A$2 million with a $200,000 mortgage. She also has $800,000 in superannuation. She is 67 but is not eligible for the age pension because her <a href="https://moneysmart.gov.au/how-super-works/tax-and-super#:%7E:text=If%20you're%20aged%2060%20or%20over%20and%20withdraw%20a,as%20a%20public%20sector%20fund.">assessable assets</a> – her super – is above the $695,500 cut off.</p> <p>If Jackie takes $200,000 from her super and repays the outstanding mortgage debt, she will save on interest and principal repayments for the next ten years. She will also reduce her assessable assets by $200,000. This makes her eligible for a part pension.</p> <p>So while Jackie has less super, she gets to receive a pension and gets all the subsidies associated with being a pensioner.</p> <h2>Option 2: downsizing to clear the debt</h2> <p>Downsizing can extinguish any remaining debt, and can free up money for holidays, restaurants and the good life in retirement. It also enables a move to a more age-friendly home or apartment.</p> <p>And the government does provide a superannuation incentive via the <a href="https://www.ato.gov.au/individuals-and-families/super-for-individuals-and-families/super/growing-and-keeping-track-of-your-super/how-to-save-more-in-your-super/downsizer-super-contributions">downsizing contribution</a>.</p> <p>This allows homeowners over 55 who have lived in their home for more than ten years to make a one-off contribution of $300,000 (singles) and $600,000 (couples) to their super, using money from the sale of their home.</p> <p>But when a person reaches pension age, currently 67, any money in super will be included in <a href="https://www.servicesaustralia.gov.au/deeming?context=22526">the government’s assessment</a> of your financial assets and income. It could mean you don’t qualify for a pension or pensioner subsidies.</p> <p>Of the approximately 2.6 million who receive a part or full the age pension, only <a href="https://www.ato.gov.au/about-ato/research-and-statistics/in-detail/super-statistics/downsizer-super-contributions-data">78,000 people</a> have taken up this initiative. That begs the question if this option really does create a true financial downsizing incentive.</p> <p>Think again of Jackie, the woman with the $2 million home and the $200,000 in mortgage debt. Say she decides to sell her home and move to a smaller house close to family and friends. This will incur about $40,000 in selling and marketing fees, and stamp duty of around $62,000 on her new $1.4 million apartment.</p> <p>Downsizing leaves her with $1.1 million in financial assets (after transaction costs), which means that Jackie is not eligible for the pension.</p> <p>While she’ll be able to fund a comfortable lifestyle, this decision to downsize may not be as attractive as keeping the house.</p> <p>The decision to sell and move has cost her an extra $100,000 in transaction costs and her pension.</p> <p>So, people need to think carefully about downsizing. It can allow people to move closer to children, grandchildren, and the services they need – but these must be balanced against the financial implications.</p> <h2>What about renters?</h2> <p>Paying market rent while on a fixed income can be very hard, so renting is a challenge for retirees.</p> <p>According to the <a href="https://www.abs.gov.au/statistics/people/housing/housing-census/latest-release">2021 census</a>, women aged 55-64 and those over 65 are among the fastest-growing groups experiencing homelessness.</p> <p>The good news is many profit and not-for-profit retirement communities provide rental models and discounted entry contributions to residents with limited means (but there are often waiting lists).</p> <p>Retirement village residents may also be eligible for <a href="https://guides.dss.gov.au/social-security-guide/4/6/4/30">rent assistance</a> depending on their circumstances.</p> <p>Rent assistance is an extra $5,751 per year in social security benefits and provides extra financial support to <a href="https://guides.dss.gov.au/social-security-guide/5/1/7/10">eligible age pension recipients</a>.</p> <p>Retirement communities provide vulnerable older Australians a unique opportunity to move into a community under a leasehold or licence agreement. More than 260,000 senior Australians live in about <a href="https://www.propertycouncil.com.au/media-releases/retirement-living-construction-leads-wary-market">2,500 retirement communities</a> across the country.</p> <p>While a retirement village may not be the first option for many retirees, they can provide affordable accommodation.</p> <h2>Making the best choice</h2> <p>Navigating housing decisions as you approach retirement means balancing financial, emotional, and lifestyle considerations.</p> <p>Homeowners retiring with a mortgage face a choice: keep their home or downsize to alleviate debt.</p> <p>Keeping the home and accessing super to pay the outstanding debt improves cash flow and allows you to keep your biggest asset.</p> <p>Downsizing helps eliminate debt and boosts the super balance, but comes with extra transaction costs (and you may end up with less pension, or none at all).</p> <p>Seeking professional <a href="https://moneysmart.gov.au/financial-advice/choosing-a-financial-adviser">financial advice</a> is crucial, and ensure they are a registered <a href="https://moneysmart.gov.au/financial-advice/financial-advisers-register">financial advisor</a>.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/240679/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><em><a href="https://theconversation.com/profiles/kathleen-walsh-218536">Kathleen Walsh</a>, Professor of Finance, <a href="https://theconversation.com/institutions/university-of-technology-sydney-936">University of Technology Sydney</a> and <a href="https://theconversation.com/profiles/jemma-briscoe-2234812">Jemma Briscoe</a>, Adjunct lecturer in finance, <a href="https://theconversation.com/institutions/university-of-technology-sydney-936">University of Technology 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/retiring-with-debt-experts-explain-downsizing-using-super-for-your-mortgage-and-pension-eligibility-240679">original article</a>.</em></p> </div>

Retirement Income

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Etiquette experts reveals top wedding guest faux pas

<p dir="ltr">While weddings are joyous occasions filled with love and happiness, guests can often be left feeling perplexed over unspoken rules and expectations for what is expected at a loved one’s big day. </p> <p dir="ltr">Wedding etiquette expert Angela DeMaio has shared the five most common faux pas guests can be guilty of committing at a wedding, and revealed how to avoid them.</p> <p dir="ltr"><strong>Ignoring seating arrangements </strong></p> <p dir="ltr">While it might seem like not a big deal to switch seats or sit wherever you feel comfortable, this can disrupt the couple's carefully planned arrangements that are in place for a reason. </p> <p dir="ltr">DeMaio said, “Seating arrangements are often crafted with thought, considering relationships and group dynamics.”</p> <p dir="ltr">According to the expert, ignoring seating plans can disturb the balance the couple has tried to create, so to respect the newlywed’s efforts, it's important to be mindful of where each guest is seated.  </p> <p dir="ltr"><strong>Getting in the way of photographers</strong></p> <p dir="ltr">It’s the photographer’s job to capture the heartfelt moments at a wedding, and blocking the shot or getting in the way can have major consequences. </p> <p dir="ltr">According to DeMaio, guests should especially avoid stepping into the aisle during the processional or standing in the way of key moments, such as the couple's first dance. </p> <p dir="ltr">Being patient and respectful of the photographer's space ensures the couple gets the perfect shots without disruption. </p> <p dir="ltr"><strong>Going too hard at an open bar </strong></p> <p dir="ltr">While many guests look forward to partaking in free drinks at an open bar during a wedding ceremony, it’s important to drink in moderation. </p> <p dir="ltr">DeMaio warned guests to pace themselves with water in between alcoholic beverages, as no one wants to be remembered as the guest who got embarrassingly drunk. </p> <p dir="ltr">“Weddings are joyous occasions, but they're not the time for drunken antics or behaviour that distracts from the couple's special day,” she said.</p> <p dir="ltr"><strong>Not saying goodbye to the couple </strong></p> <p dir="ltr">As a wedding night winds down, it's easy to be tempted by an Irish goodbye, or just leaving the event without doing the goodbye rounds. </p> <p dir="ltr">However, failing to acknowledge the couple before leaving can come across as rude or dismissive, as leaving without acknowledging the couple can leave them wondering if you truly valued the celebration.</p> <p dir="ltr">DeMaio suggested, “If possible, thank the bride and groom in person for the invitation, as it's a small gesture that goes a long way.”</p> <p dir="ltr"><strong>Posting photos online without permission</strong></p> <p dir="ltr">In the golden age of social media, it's tempting to share every moment of the wedding, but this can lead to unintended consequences.  </p> <p dir="ltr">As someone’s wedding is a deeply personal event, most couples prefer to have control over when and how their wedding photos are shared. </p> <p dir="ltr">According to DeMaio, it's crucial for guests to wait until the couple has posted their own photographs before sharing anything, or asking for explicit permission to post photos online.</p> <p dir="ltr"><em>Image credits: Shutterstock </em></p> <p> </p>

Relationships

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

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

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