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The government wants to keep cash alive for buying essentials. Here’s why it’s such a challenge for businesses

<div class="theconversation-article-body"> <a href="https://theconversation.com/profiles/steve-worthington-138">Steve Worthington</a>, <a href="https://theconversation.com/institutions/swinburne-university-of-technology-767">Swinburne University of Technology</a> Cash usage has <a href="https://www.rba.gov.au/publications/bulletin/2023/jun/cash-use-and-attitudes-in-australia.html">fallen off a cliff</a> in Australia, but the federal government says it must have a future. So, it’s going to mandate one. The Australian government will require businesses to accept cash for essentials such as groceries and fuel. Some (yet to be determined) small businesses will be exempt. According to <a href="https://ministers.treasury.gov.au/ministers/stephen-jones-2022/media-releases/ensuring-future-cash-and-next-steps-phasing-out-cheques">Treasury</a>, losing cash as a means of payment would leave too many people behind: <blockquote> Around 1.5 million Australians use cash to make more than 80% of their in‑person payments. Cash also provides an easily accessible back‑up to digital payments in times of natural disaster or digital outage. </blockquote> In its announcement on Monday, Treasury pointed to what had already been achieved with similar schemes in other countries such as Spain and Norway, and a range of US states. It’s an honourable cause. There are, however, some aspects of life in Australia that will present unique challenges for achieving it. <h2>Why does using cash cost so much?</h2> Some merchants in Australia already refuse to accept cash as a means of payment. That means relying entirely on digital payment methods such as bank cards and mobile wallets. It mightn’t be immediately obvious why some businesses don’t like cash. But for many, it’s the most costly payment method to accept. While cash transactions don’t come with a surcharge fee like bank cards, they do carry a wide range of other hidden costs. Businesses typically need to keep a “float” of cash in their tills overnight, so that next day’s early customers can be given change if needed. This float needs to be regularly updated and rebalanced with appropriate currency so the correct change can always be given. Businesses also have to make sure no cash goes missing during their opening hours, count their cash take at the end of each day, make sure it is secure on their premises, and make periodic physical deposits into their bank account. Both maintaining a float and making deposits can involve unpredictable trips to a bank branch or post office throughout the week. <h2>Things are getting harder</h2> For individuals and businesses, getting cash into and out of a bank account is becoming more of a challenge. And if you’re in regional or remote Australia, the nearest location where you can do so may be an hours-long drive away. The most recent <a href="https://www.apra.gov.au/authorised-deposit-taking-institutions-points-of-presence-statistics">figures</a> from the Australian Prudential Regulation Authority (APRA) show that across Australia since 2017, the number of ATMs has fallen by about 60% and the number of bank branches by 41%. Many remaining bank branches have reduced their hours, and some have even stopped dealing in cash entirely, especially in rural and regional areas. Moving cash around the country isn’t getting any easier or cheaper. The dominant provider of cash-in-transit services, Armaguard, has been under <a href="https://theconversation.com/future-of-cash-secured-for-now-as-banks-and-retailers-bail-out-armaguard-233087">sustained financial pressure</a> in recent years. Earlier this year, it secured a deal with Australia’s big four banks and some of its other major customers to receive a $50 million bailout. Some countries facing similar situations – <a href="https://www.link.co.uk/helping-you-access-cash/banking-hubs">including the UK</a> – have persuaded their banks to fund the idea of “banking hubs”. Typically under this model, a location is identified in a regional community and banks collectively share the space, with each bank having one day a week in residence so that nobody is excluded from these services. <h2>Could a regional branch levy help?</h2> Also this month, Treasury proposed a <a href="https://www.afr.com/politics/federal/banks-face-new-levy-to-keep-rural-branches-open-20241115-p5kqwu">new regional services levy</a>, to support what should be the minimum level of banking services in regional areas. Banks with a relatively large regional presence would be cross subsidised by a proportional levy on banks with relatively fewer services in these areas or none at all. This funding would help banks sustain the number of branches, their opening hours and their ATMs. Under the proposal, banks that fell short of baseline requirements could purchase credits from others that did. The reasoning behind these measures is that like <a href="https://www.transparency.gov.au/publications/communications-and-the-arts/australian-postal-corporation/australia-post-annual-report-2022-23/other-important-information/community-service-obligations">Australia Post</a>, banks should have a formal community service obligation. That is, a baseline of minimum services that must be provided. <h2>Questions still to answer</h2> In its <a href="https://ministers.treasury.gov.au/ministers/jim-chalmers-2022/media-releases/ensuring-future-cash-and-next-steps-phasing-out-cheques">media release</a>, Treasury only gave a big picture view of what they wanted to achieve. There are still many questions that need to be resolved before any of its plans can become legislation. Some concern where and how to target support. If regionally focused, how should regional be defined? Which areas and towns prioritised? How should the banks and other financial services providers be required to help support cash use? Exactly which businesses will be affected – and which exempt – must also be clearly defined, along with any enforcement measures. And there is likely to be robust debate over what exactly constitutes the “essentials” for which merchants will be mandated to accept cash payment.<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/243919/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/steve-worthington-138">Steve Worthington</a>, Adjunct Professor, <a href="https://theconversation.com/institutions/swinburne-university-of-technology-767">Swinburne University of Technology</a> Image credits: Shutterstock This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/the-government-wants-to-keep-cash-alive-for-buying-essentials-heres-why-its-such-a-challenge-for-businesses-243919">original article</a>. </div>

Money & Banking

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

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

Beauty & Style

Readers response: Is there any item of memorabilia you’ve passed down to family or plan to in the future?

As in many families, there are often sentimental items and memorabilia that are passed down from several generations. We asked our readers if there are any heirlooms that they have passed down to their younger family members, or if they plan to, and the response was overwhelming. Here's what they said. Marjorie Gale - The christening gown made by my Aunt in the UK in 1955 for my eldest daughter, worn by my two other daughters. Now been worn by my 9 grandchildren and 12 great grandchildren, and another due soon. So far 24 babies have worn it. Dawn Douglas - Yes, I have my Mums jewellery box and my eldest daughter will get it when I’m gone. I also have a brooch that belonged to my Nana. Sue Crawley - I have a 1925 gold embossed book by AA Milne “When We Were Very Young”. My most cherished memory was sitting on my great grandfathers knee whilst he read it to me. Not sure yet which grandchild will receive it. Greg Browning - A Winchester rifle my great grandfather bought in the 1800s. Have already passed it on. Marion Ingram - Family bassinets. Now on its 4th generation! Margie Buckingham - My grandmother’s costume jewellery was stunning. She was a racehorse breeder always in the Flemington Racecourse members, even had many Group One winners, so her jewellery had to look special. Paul Uttley - A silver pocket knife that belonged to my great grandfather now belongs to my oldest grandson (six generations apart)! Image credits: Shutterstock

Family & Pets

Surprising cost of King Charles' Aussie dinner item

While royal fans have expressed their excitement over King Charles and Queen Camilla's trip to Australia, others weren't as happy with how much <a href="https://www.oversixty.com.au/finance/money-banking/king-charles-97k-arrival-gift-slammed-as-waste-of-money" target="_blank" rel="noopener">taxpayer money</a> is being splashed out on the visit. The royals touched down in Sydney on Friday, and with members of the public questioning the cost of the monarch's visit, the cost of the wine selection for their dinner with Prime Minister Anthony Albanese and Jodie Haydon on Monday have been revealed - and it's surprisingly affordable. All five wines on the menu were under $40. The royal selection included: <ul> <li>Josef Chromy Sparkling NV (RRP $32.99)</li> <li>Hentley Farm Eden Valley Riesling (RRP $28)</li> <li>Hentley Farm Barossa Shiraz (RRP $36.50)</li> <li>Castelli Silver Series Chardonnay (RRP $25)</li> <li>Cape Mentelle Marmaduke Cabernet Sauvignon (RRP $21.99)</li> </ul> David Moulton, Chief Winemaker at Margaret River winery Cape Mentelle, told Yahoo Lifestyle that it was "really exciting" to have their wine on the list. “We received a picture message of the menu, and it worked its way across the entire business - it brought such a positive energy to the team,” he told the publication. “The door is always open to the King next time he wants to venture out of NSW and visit us here in Margaret River, so long as the door is open to Cape Mentelle to serve our wines in the palace!” However, the beer selection at the Federal government’s Parliamentary Reception was slammed online, with the selections being: Great Northern, Great Northern zero alcohol, and Furphy. “Good to see a couple of WA wineries in the wine selection. But those beer selections are horrendous,” one said. Another quipped: “LOL Great Northern… may as well gone all out and had VB and Carlton Draft." “As well as crap beer, the wine list is very much on the budget side. Probably not a bad thing seeing how much they cost the taxpayer usually,” another added. Images: X/ Instagram

Travel Trouble

5 items you’re cleaning too much

Cleaning the house is no easy feat. To make life a little easier for you, here are five items you are probably cleaning more than you need to. 1. Clothes worn once For particular items of clothing such as gym gear, shirts and tights it is fine to wash clothes after every wear. However, most other items can be worn up to three times advises Carolyn Forte, the director of the Cleaning Lab at the Good Housekeeping Institute. "Over-washing and over-drying fabrics can cause fading and wear,” she said. Studies have also shown that it is ideal to wash bath towels after three uses. 2. Dinner plates Instead of spending time rinsing your plates before putting them in the dishwasher, just make sure all the food is scrapped off. "Pre-washing dishes is a waste of time and energy,” said Carolyn. "If you aren't running it right away, let the dishwasher rinse them with a 'rinse only' cycle." 3. Light Fixtures It can be tempting to dust your light fixtures every week but Carolyn advises saving your strength from a different household task. She advises that you can get away with cleaning light fixtures once a month. 4. Jackets In the cooler months jackets are worn every day. However, this necessity only needs to be washed every three months. Jackets don’t usually come into contact with skin cells or natural oils, which allows them to go longer between washes than other clothes. 5. Curtains Curtains need to be washed if you get any marks on them but if they are in pristine condition, according to Carolyn they only need to be cleaned once a year. Image credits: Shutterstock

Home & Garden

Shock over op shop item listed for $2,000

An Aussie charity shop has come under fire after a shopper spotted a luxury item with a hefty four-figure price tag. A woman was browsing the shelves at the Vinnies Op Shop in Tamworth where she spotted a forest green handbag by luxury brand Balenciaga for sale for a whopping $2,000. While the handbag retails at roughly $4,000, the eye-watering "sale" price has infuriated many after a customer spotted it isolated on a shelf in-store. "How in the world would a normal everyday person be able to afford that? At the stage now it’s cheaper to go to Kmart," a local woman hit out on social media. Others agreed, saying it's a "slap in the face when everything is donated in first place". "It’s ridiculous these days, all the op shops are so overpriced. Very much so in the suburb I live in because it’s a wealthy area, they think everyone who walks in is loaded," another said, commenting on the designer bag. Vinnies was quick to respond to the backlash over the expensive item, Vinnies North West area manager Julie Crosby reiterated that Vinnies shops are charity stores. "We're raising funds," she told the <a href="https://au.news.yahoo.com/tagged/social-media/" data-i13n="cpos:8;pos:1" data-ylk="slk:ABC;cpos:8;pos:1;elm:context_link;itc:0;sec:content-canvas" data-rapid_p="18" data-v9y="1">ABC</a>. "We can spend that money on helping out homeless people, domestic violence issues where we're relocating families". Store manager Megan Moffat added, "It's a beautiful little handbag" implying the $2,000 is justified. Image credits: Shutterstock / Facebook

Money & Banking

Cruise worker shares what you should always take into a lifeboat

A cruise ship worker has shared the six essentials you should always take if you ever need to get into the lifeboat on a cruise. Lucy Southerton, who has worked on cruise ships for nine years, regularly shares cruising advice on social media to help travellers get the most out of their voyage. In her most recent video, Lucy shared invaluable advice on what items you should take on a lifeboat in the event of an emergency. While many people would instinctively leave all their belongings behind in an emergency, Lucy said there are six things you should always take. The first thing to bring in the event of an emergency is your documentation, such as a form of ID, such as a passport, driving licence or even a visa. The second thing may surprise some people, as Southerton recommends always having lip balm in case of emergencies. The cruise worker said, “[In a life-threatening situation] the body prioritises the distribution of water to essential organs such as the liver and the brain.” “Because of this, the lips receive no water so they are going to dehydrate faster, meaning they could crack. If you are in a lifeboat for a long period of time, your lips are going to be one of the first things that suffer so you should protect them at all costs.” Thirdly, Lucy recommends you should always have sunscreen, as you never know how long you will be exposed to the elements for. She said, “If you are sitting directly under the hatch or where they take the roof off to let the breeze in, you're going to want a hat or sun cream to protect yourself from the beating sun.” “This is not as much of a priority as lip balm, but if you can get hold of some sun cream before entering a lifeboat then you should.” Next up, the veteran cruise-ship worker said you should always take layers of clothes that you can easily take on and off in changing weather. Lucy's penultimate item that passengers should always take on a lifeboat might seem obvious but she warned that it is essential for those who take medication on a regular basis to bring it with them. However, she added, “What they don't tell you to take is stuff like paracetamol, ibuprofen, aspirin, Sudocrem and ointments.” “'While you may not need these types of medication, somebody else on your lifeboat might - it's better to have it and not need it than the reverse scenario. Just shove them in your pocket just in case.” Last but not least, Lucy said you should - as obvious and essential as it may seem - never forget to take water on board a lifeboat. She stressed that “there is only so much water you can fit in a lifeboat, so the water is going to be rationed out”. Lucy continued, “If you can take extra water on board with you, do it, even if it's just in the form of an extra water bottle. [Humans] cannot last long without water so make sure you grab some if you are able to.” Finishing up the video, Lucy reassured passengers that “getting into a lifeboat is the absolute last resort”, adding that it is more likely that anyone on board the ship is taken to an assembly station while emergency services on board attempt to fix any issues that could arise. Image credits: Instagram / Shutterstock

Cruising

Readers response: What is one holy grail item you always pack on a holiday?

When it comes to packing for a holiday, everyone has that one special item that they make sure they have packed safely. Sometimes that one must-have thing can mean the difference between a good and bad holiday. We asked our readers what their holy grail travel item is, and the responses were overwhelming. Here's what they said. Wendy Parsons - Small fold-up umbrella. Antoinette Devlin - Definitely my phone and kindle. Lorraine Lenthall - Gym shoes. June Debono - My bunny called Dude. I'm a Grandma and he goes everywhere with me. A well travelled rabbit! Anita Thornton - My down pillow! Gail Morgan - Champagne sealer. Helen Holt - My crafts! Sewing, crocheting and knitting. Sue Perryman - Vegemite. Kathie Kirsop - Ear plugs because you never know who’s going to be your neighbour. Meg Hallissy - A sarong. Very versatile! Felicity Jill Murphy - A torch. I always pack a torch that has fresh batteries in it. Sue Bailey - Lots! Phone, charger, knee pillow, head pillow (chiro approved), folding foot stool. Chris Ballard - Comfy shoes. Carol Hanson - Lots of books. Juliet Vance - Everything I can think of. Image credits: Shutterstock

Travel Trouble

6 extra items to pack when travelling by yourself

Travelling alone can be a life changing experience, but it also requires a few extra precautions. Pack these six things to keep yourself safe. 1. Doorstop A simple wedge of wood or plastic can give you priceless peace of mind in a hotel room. Even if you lock the door, people might be able to break the lock or use a cloned key. A doorstop quickly and easily wedges it shut so you can sleep easy. If you want to go one step further, you can get special doorstop alarms that will emit a loud siren if anyone tries to force the door. 2. Extra lock There are endless uses for an extra padlock or bike lock-style cable. You can double up on your hotel door, secure your train carriage or ship cabin, double lock your suitcase or chain it to something sturdy. Compact, sturdy locks are relatively cheap and easy to carry with you, and will deter most thieves or intruders looking for an easy mark. 3. First aid kit If you don’t have a travel buddy to send down to the chemist, a simple first aid kit can be a lifesaver. Keep it stocked with band aids, basic bandages, pain killers, antibiotics, antihistamines and gastro meds, along with anything else you think will be useful. If you are really unwell, you’ll obviously need to see a doctor, but having the first line of defence within easy reach is always smart. 4. Whistle or personal alarm If you will be walking through unfamiliar cities at night (or even in the day), a whistle or personal alarm can give you a feeling of security. If anyone unsavoury approaches you, a loud noise will startle them and generally scare them off. It also draws the attention of other people and makes them aware of your predicament. 5. Small torch Never underestimate the power of a little light to make you feel safe. It’s great for finding your way through dark streets, looking for your keys in your bag or seeing the lock on your hotel door. You can get small lights that attach to a keychain or wallet and give out a surprisingly bright light. People are less likely to approach you if they feel they will be seen. 6. Fake wedding ring This one is for the ladies – in some countries an unmarried woman is seen as an easy target. Buying a cheap, fake wedding ring can give you a simple cover. Men may be less likely to approach you and, if they do, you can simply say your husband is in the next shop or waiting for you back at the hotel. Image credits: Shutterstock

Travel Tips

Airport worker steals half a million dollars of personal items

A trusted worker at Sydney Airport has been jailed for two years after stealing more than $450,000 worth of personal items from airport cargo. The 38-year-old man from Western Sydney, who was a freight handler at the airport, was identified as a potential suspect when the thefts of personal electronic items were first reported in February 2022. Several months later, he was found with $189,000 cash in the boot of his car, according to Australian Federal Police. The AFP then found that a further $261,000 had been transferred into the man’s personal bank accounts, after a number of stolen devices had been “sold, gifted, or kept for personal use”. “This money, which totalled $450,000, was criminal proceeds generated from the sale of the stolen electronic devices,” AFP said. The man was charged with receiving stolen property and knowingly dealing with proceeds of crime, while his partner, a 45-year-old woman, was charged with two counts of dealing with money or other property reasonable to be suspected of being proceeds of crime under $100,000. The pair pleaded guilty to the charges in December 2023, and on Wednesday the man was sentenced to three years and four months in jail, with a non-parole period of two years. The woman was to an intensive corrections order of 70 hours community service. AFP Sydney Airport Police Commander Morgen Blunden said the pair was “motivated by profit and greed”. “People with trusted access in an airport precinct are critical to the successful operation of Australia’s tourism and trade sectors,” Blunden said. “But the AFP will not hesitate to investigate and prosecute those who abuse this trust. AFP has zero tolerance for those to abuse their access to air-side operations for their illegal pursuits.” Image credits: Shutterstock

Travel Trouble

7 items you should never put in your dryer

There are just some items that can’t take the dryer’s heat. To avoid shrinking and more these are the ones you should never put in the dryer. 1. Bathing suits The dryer will leave the spandex of bathing suits brittle and broken. 2. Pantyhose The delicate material of pantyhose will shrink in the heat of the dryer and the tumbling motion can cause stockings to get tangled. 3. Rubber-backed rugs They may be small enough to fit in your dyer but the rubber-back of these mats might crumble in the heat of the dryer. 4. Bras The heat of the dryer can damage bra’s elasticity and shape. 5. Clothes with embellishments Embellishments can easily snag in a dryer – and also snag other items in the process. 6. Anything that warns against dryers Double-check the care tag of your item of clothing before chucking it in the dryer. If it warns against using the dryer, it’s for good reason. It will help your clothes look new for longer and prevent shrinking and more. 7. Running shoes The heat can ruin the cushioning, weaken adhesive and shrink the rubber. Image credits: Getty Images

Home & Garden

Woman receives lifetime ban from cruise line over "illegal" item

A 42-year-old mother has received a lifetime ban from Carnival Cruise Line voyages, after she attempted to board one of the company's ships with a seemingly innocent item. Melinda Van Veldhuizen, a nurse practitioner and mother of two from Texas, said she was treated "like a criminal" when cruise ship employees found a bag of the CBD “sleep tight” gummies in her luggage while at a port in Miami. Melinda told local news station WPLG she packed the gummies to help her get some sleep on the August trip she had planned to take with her family to celebrate both her 21st wedding anniversary with her husband and her son’s senior year of high school. Ms Van Veldhuizen was taken to a separate area of the security check-in when the discovery was made, and was questioned by Carnival security and police for two and a half hours. The mother was blocked from boarding the ship, and her husband and son also disembarked as they didn’t want to go on the cruise to Aruba, Curaçao and the Dominican Republic without her. The family had spent just under $9,000AUD on their planned vacation, Ms Van Veldhuizen’s attorney Daren Stabinski told the Washington Post. CBD is a compound commonly derived from hemp that doesn’t cause impairment or a “high,” and is different from marijuana's mind-altering substance of THC. CBD is becoming more readily available across the globe, and is used to treat ailments from chronic pain to sleeplessness. In most parts of the US, CBD products that contain no greater than 0.3 per cent of THC are legal. According to WPLG, Ms Van Veldhuizen’s gummies contained less than 0.01 per cent THC. Despite the product being legal in the state Ms Van Veldhuizen was departing from, the hemp product is prohibited by Carnival Cruise Lines. “While certain CBD products used for medicinal purposes may be legal in the US, they are not legal in all the ports we visit and therefore are also considered prohibited items,” its website states. Soon after Ms Van Veldhuizen was forbidden from going on the cruise she paid for, she received a letter from Carnival informing her she was banned from all Carnival ships for life. The letter signed by Captain Rocco Lubrano states that she will “not be permitted to sail on-board any Carnival Cruise Lines vessel in the future.” “This decision was based on your actions on the current cruise, which were a violation of the ship rules, interfered with the safety and/or enjoyment of other guests on the ship or caused harm to Carnival,” Mr Lubrano wrote. Ms Van Veldhuizen said she has taken more than a dozen Carnival cruises over the years and was freaked out by the letter and the whole experience, and was not expecting such a severe reaction. “I thought it was one of those situations where you’re like, ‘Oh shoot, I left a bottle of water in my backpack; you gotta throw it away,’ kind of thing like that happens at TSA,” she said. Ms Van Veldhuizen is pursuing an internal claim with Carnival, but has threatened to sue if her situation isn’t resolved “appropriately” and hired Mr Stabinski to assist her. “Out of all the cases I take, this one was just specifically outrageous,” Mr Stabinski said. Image credits: WPLG

Travel Trouble

This bathroom item is dirtier than your toilet seat, according to a microbiologist

Bathrooms and germs Bathrooms are filthy – there’s just no way around it. They’re home to toilets, sinks and showers and tend to be one of the dirtiest places in the home, no matter how often they’re on your cleaning schedule. And because the toilet seat plays host to your derrière, it’s easy to label this as the germiest spot in the bathroom. But research is disproving that notion. Overall, the hard surfaces – such as the toilet seat and floor – are scrubbed down often because they’re the first lines on your bathroom cleaning checklist. And many people focus on cleaning the toilet because nothing screams dirty like a line of biofilm in the toilet bowl. But what about other bathroom-specific items? Dr Charles Gerba, a microbiology professor at the University of Arizona, says that it’s the fabrics in our bathroom that deserve the most attention. Yes, your bathmat is actually dirtier than your toilet seat, followed by towels, including those facecloths (which is why you need to wash your towels often). Here’s what you need to know. Are bathmats really that dirty? “We’ve done a lot of research on the microbiology of homes and, more recently, the bathroom,” says Gerba. The bathmat is problematic for two reasons, he says. First, it gets wet when you’re getting out of the shower, and it stays wet and moist, often in a dark and damp room. The second issue is that many people wear shoes in the bathroom, a huge contributing factor to the dirt, grime and bacteria found on bathmats. “Almost 90% of all shoes have faecal bacteria on them,” Gerba says. “You’re walking in dog poop all the time, and you don’t know it.” Beyond tracking shoes throughout the house and across bathmats, Gerba also pointed out the potential of spray from the toilet to land on bathmats. The Ecological Fluid Dynamics Lab at the University of Colorado Boulder experimented to see how far water droplets were ejected into the air when flushing public restroom toilets. The airborne particles shoot out quickly, reaching as much as 1.5 metres above the toilet within 8 seconds. The droplets were unpredictable and landed on the walls around the toilet, including behind it, and also on the ceiling. Which means that depending on the proximity, spray from a toilet can easily touch down on a plush bathmat. But while some research might suggest closing the toilet seat cover at home before flushing, not everyone agrees with that solution. “When you close the lid, the spray then goes over the top of the toilet seat and hits the walls on the side because you’ve narrowed the opening, which makes the water shoot out at a higher speed,” Gerba says, adding that closing the lid also leads to the toilet seat and underside of the lid getting more contaminated. How to prevent dirty bathmats Whether or not you close the toilet seat, one thing is certain: Keeping your bathmat as dry as possible is important. One of the factors that make bathmats the dirtiest spot in the bathroom is that they sometimes stay damp for hours, depending on how humid your environment is, how many people are showering and how much water splashes on them. Drying off in the shower will keep your bathmat from getting soggy. You can also hang it to dry instead of leaving it on the floor, where it will stay wet longer. Another tip: If you don’t remove your shoes when entering your house, at least take them off before going into the bathroom (and clean your floors often). That way, you’re not tracking outside germs onto a bathmat where they can quickly and easily multiply. “When you get out of the shower, it’s moist,” Gerba says. “Any time we have a fabric, it absorbs water, and things like faecal bacteria will survive longer there than on hard surfaces.” How to wash your bathmat The hard surfaces in bathrooms are satisfying to spray and wipe down, which Gerba recommends doing every few days. But what about bathmats? You should wash your bathmat at least once a week, and not just to keep it fresh and fluffy, but importantly, to remove bacteria. The first step to washing bathmats is to check the care label and follow the instructions on the tag, including which temperature is best for the fabric. Most bathmats can be machine-washed, but be careful with rubber-backed bathmats, which shouldn’t be dried on high heat. In general, quick-drying fabrics, such as microfibre and chenille, can be good options because they dry fast and are easy to launder. Something you can easily wash twice per week is the healthiest option. Image credits: Getty Images This article originally appeared on <a href="https://www.readersdigest.com.au/food-home-garden/home-tips/this-bathroom-item-is-dirtier-than-your-toilet-seat-according-to-a-microbiologist" target="_blank" rel="noopener">Reader's Digest</a>.

Home & Garden

The life-saving item no Grey Nomad should travel without

When General Practitioner Paul Kelly hung up his stethoscope after nearly 40 years of dedicated service, he had a retirement dream shared by many Australians – hitting the open road and exploring the world with his wife, Robyn. However, with a history of heart problems, he was understandably hesitant about venturing far from medical facilities. His concerns were put to rest when a groundbreaking device, <a href="https://cellaed.io/" target="_blank" rel="noopener">the CellAED personal defibrillator</a>, became available. Compact enough to fit in the glove box, this innovative device has opened up a world of possibilities for adventurers like Paul and Robyn. In Australia, a staggering 20,000 people suffer sudden cardiac arrests outside of hospitals each year. Sadly, only 10% of them survive. The introduction of CellAED, a handheld defibrillator, is changing these grim statistics by providing a lifeline to those in remote areas. Paul and Robyn are enthusiastic members of this country's growing community of grey nomads. According to ABS data, nearly 16 million caravan and camping trips were made last year, with the majority taken by individuals in the age group most at risk of cardiac arrest. Therefore, it's not surprising that an increasing number of travellers, like Paul, are arming themselves with a CellAED as they embark on adventures across the country. Paul attributes the device to giving him the peace of mind and confidence to travel far and wide. In the past year alone, he has spent over four months caravanning along the picturesque Murray River, explored the coastlines of New South Wales and Victoria, and even managed a European holiday to France. With no intention of slowing down, Paul's trusted travel companion, the handheld defibrillator, has granted him the freedom to explore the heart of Australia without constant worry. "Hopefully, we'll never have reason to use it," Paul says, "but it sure takes the stress out of wondering what we'd do in an emergency." The CellAED defibrillator was developed by the Australian startup, Rapid Response Revival. This groundbreaking device is a game-changer because it's more affordable, portable and easier to use than conventional Automated External Defibrillators (AEDs). Luke Starr, a spokesman for CellAED, emphasised the importance of addressing the issue of cardiac arrests in remote areas. He noted, "A key reason why so few survive sudden cardiac arrest is because help is too far away or too slow. CellAED was created to tackle that problem. "Travelling with a CellAED personal defibrillator isn't just about looking after yourself. It's about giving your traveling companions and the people you meet along the way a fighting chance if the unthinkable happens. Sudden cardiac arrest is survivable if it's witnessed by someone who knows what to do," Starr added. Starr further advised, "One of the best gifts you can give your travelling companions is learning how to recognise cardiac arrest and what to do if it happens. If someone has collapsed, is unresponsive, and isn't breathing normally, call emergency services, start CPR, and get a defibrillator onto their bare chest. If you can do this within the first couple of minutes of an arrest, you'll be giving the patient their best chances of survival." The CellAED invention aims to offer more people the opportunity to survive cardiac arrest without relying on sheer luck. With CPR training and a CellAED handy, individuals are prepared to save lives from cardiac arrest wherever they go. The groundbreaking invention comes after new research pointed towards alarming statistics about heart conditions in Australia, revealing that people living in regional, rural, or remote areas are 90% more likely to die from heart conditions caused by high blood pressure than their urban counterparts. The Heart of Inequality report from the Mary MacKillop Institute for Health Research (MMIHR) at ACU underscores the stark disparities in heart disease outcomes across Australia, particularly affecting regional and Indigenous communities. Key findings from the report include the continuous increase in the burden of chronic heart disease, with hundreds of thousands of hospital admissions for heart-related conditions among Australians aged 35 and over. Moreover, Indigenous Australians living in remote areas develop heart failure on average 20 years earlier than the general population. So, as Australians continue to explore this vast and varied country, lifesaving innovations like the CellAED defibrillator are playing an increasingly crucial role in ensuring the safety and well-being of adventurers, particularly those in remote areas. Images: CellAED

Travel Trouble

3 household items that expire sooner than you think

Milk, cheese and other fridge-dwelling food items are stamped with expiration dates that, should you choose to ignore them, will make themselves known via smell. But your house is actually peppered with items that require regular replenishment - many of which are outside of the kitchen. Thanks to this handy info, we're now aware of the many surprising household items that require a monthly or yearly upgrade. From knickknacks on your dresser to the staples in your pantry, your house is chock-full of items that can go bad. Here are a few of the most surprising. Hydrogen Peroxide Expires in: 2 months Why: Hydrogen peroxide, the versatile topical antiseptic used to prevent infection in cuts, scrapes, and minor burns, actually turns into water just two months after opening. An unopened bottle should be thrown out after one year. Kitchen spices Expires in: 1-3 years Why: Household kitchen spices, like cinnamon, cumin and basil, reportedly begin losing their lustre after just one year - both in terms of taste and smell. Brightside also claims that ground spices should be thrown out after just six months. Mosquito repellents Expires in: 3 years Why: Mosquito repellents are essentially useless after just two years, according to Brightside. You can usually tell if a bug repellent has expired by the smell - if one spray doesn't emit the pungent odour you've grown used to, it's time to throw it out. Written by Kelsey Clark. First appeared on <a href="http://www.Stuff.co.nz" target="_blank" rel="noopener">Stuff.co.nz</a>. Image credits: Getty Images

Home & Garden

Kyle & Jackie O reveal most stolen item from supermarkets

An undercover security guard has revealed to Kyle and Jackie O the item that is most stolen from supermarket shelves. Calling in to The Kyle and Jackie O Show on KIISFM, the the woman who works as an undercover loss prevention officer for a major supermarket chain asked the radio hosts to guess what item was often targeted by thieves. Kyle guessed shoplifters nicked razors the most, while Jackie O suspected tampons were regularly stolen. They were both incorrect, with the security guard revealing the most stolen item was a hot barbecue chicken. “That’s what getting stolen? A hot chicken?” Jackie exclaimed. “Maybe they’re struggling, I don't know. But with the prices these days, everything is going up,” the woman said. Jackie was intrigued, asking how people can unknowingly smuggle a scalding hot chicken out a supermarket undetected. The guard responded, "Two of the ones that I stopped, [put the chicken] down their pants." She went on to say they put the chooks down their "big, big trackies" to get the item out of the shops. Coles barbecue chooks currently retail between $12-13 per hot barbecue chicken, with Woolworths also usually retailing at the $12 mark. Image credits: KIISFM

Legal

10 pantry items you’re probably keeping for too long

Should you toss these pantry items? It’s likely that many of the items you store in your pantry have a surprising expiration date months (or even years) from now. But just because a product hasn’t expired yet doesn’t mean that it’s in its ideal state for consumption. While you already know which foods you shouldn’t eat past the expiration date, like milk and cheese, it wouldn’t be surprising if you didn’t give a second thought about the food in your pantry. It may be worthwhile to double check the items you have had sitting in your pantry forever. And make sure you think about removing these foods that shouldn’t go in your pantry in the first place. Quinoa The shelf life of whole grains like quinoa and farro is largely dependent on their fat content. Heat, air, and moisture are the top three enemies of whole grains because the elements can negatively affect their healthy oils, which in turn can cause your grains to go rancid sitting in your pantry. “Grains should always look and smell faintly sweet or have no aroma at all,” states the Whole Grains Council. “If you detect a musty or oily scent, the grains have passed their peak.” Turmeric Your favourite ground spices like turmeric, paprika, and nutmeg generally lose their potency after about two to three years. Eating old spices isn’t harmful to your health, but they won’t add any flavour to your recipes anymore. Do a quick sniff and taste test to determine if your spice is still fresh. Baking powder The same rules for ground spices apply to baking ingredients as well. Bags of baking powder and baking soda will lose their leavening power over time, which means a sad, flat cake for you. You can test their leavening power with this easy science experiment in your kitchen: Mix baking soda with vinegar and baking powder with hot water. If they foam up and bubble, it means the ingredients are still fresh enough for baking. Nuts and seeds You’ll want to eat un-shelled nuts like almonds and peanuts within a matter of a few weeks to a few months. “Nuts and seeds typically have a high amount of oil in them and that oil will start to go rancid after a couple of months in your pantry,” Tryg Siverson, chef and co-founder of Feel Good Foods, told INSIDER. Signs of rancidity on a nut or seed include a grassy or paint-like odour and dark or oily appearance. For optimal freshness and longevity, place the nuts and seeds in a clear freezer bag and pop them in your fridge for up to a year. Tea Your tea bags should be consumed within a year because the oils in the tea will go old and give your morning cup of tea a bad flavour. The same goes for your coffee beans and grounds. According to Isabel Maples, MEd, RDN, a registered dietitian nutritionist, you’re best off consuming beans and grounds within two to four weeks. Instant coffee lovers have a bit more time: about two months. Brown sugar An opened bag of brown sugar tends to dry up and harden from exposure to the air after four months in your pantry. Slip the brown sugar into a resealable plastic bag or airtight container to keep it soft and make it last longer. Olive oil Light and heat are not olive oil’s friends. You shouldn’t get sick from an old bottle of olive oil, but an opened bottle of the stuff can taste a bit off after six months. If you don’t use olive oil often, only buy a small bottle so you can use it before the flavour spoils. Whole grain flour Most people store their flour in the pantry, but you should actually store it in the refrigerator or freezer to keep it fresh longer. And does flour ever expire? Whole grain flour lasts up to eight months in the fridge and up to a year in the freezer. “Whole grain flours turn rancid before white flour does,” Maples said. “It doesn’t affect food safety but does affect food quality and taste.” Potatoes The spuds typically last up to two weeks in the refrigerator and two months in the pantry. You’ll know their time is up when they start growing sprouts and developing soft black spots on the skin. Brown rice Although brown rice is a slightly healthier alternative to white rice, it doesn’t last nearly as long on your pantry shelf. “With brown rice, there is oil in its bran layer,” Siverson told INSIDER. “When that oil goes rancid, it gives brown rice a shorter shelf life of about six months. You can store it in the freezer for up to a year.” Image credits: Getty Images This article originally appeared on <a href="https://www.readersdigest.com.au/food-home-garden/10-pantry-items-youre-probably-keeping-for-too-long?pages=1" target="_blank" rel="noopener">Reader's Digest</a>.

Food & Wine

Essential money conversations retirees should have with family

Discussions about funding retirement, aged care and inheritances may be uncomfortable. However, not having them risks your wishes going unmet and family conflicts where details aren’t clear. Hence having discussions about money while you are able to is one of the best (and cheapest!) investments you can make – for both you and your family. Precisely what those discussions entail will depend on your circumstances – and theirs. Yet many points apply almost universally: What matters to you Even the best laid plans mean nothing if those responsible for enacting them don’t know what they are or understand your reasoning behind them. Your will provides a legal overview of who gets what upon your death, while nominated beneficiaries determine how assets are divided from superannuation and some other structures. A separate letter of wishes can informally share your wishes, covering more than just legalities. Sharing this before your death allows family to clarify your wishes and ask questions. Go through: <ul> <li>How your money should be managed now and longer term (e.g., you may want money set aside for grandchildren’s education, or have instructions for a dependent’s ongoing care).</li> <li>Funeral arrangements; cremation or burial; where you will be laid to rest.</li> <li>Plans for anyone other than direct family, charities etc.</li> <li>Any non-negotiables among your wishes.</li> </ul> Partner protections Ensure your partner knows how they will be looked after if they outlive you. Similarly, your kids should know what if any support they will need to provide – especially important for blended families. Where beneficiaries have divorced/separated, will you exclude their ex from your estate? Are your records updated to reflect this? Ensure everyone knows the difference between joint tenants and tenants in common for property owners – only one automatically leaves your share of the property to your co-owner. Health matters How do you want to be looked after in your final years? Don’t assume your loved ones already know everything. Communicate your wishes, small and large – medications, dietary requirements, retirement living, palliative care, resuscitation. Discuss whether power of attorney and enduring guardianship are needed should you be unable to make decisions over your health and finances (e.g., due to dementia or stroke), and who will assume those responsibilities. Family legacy Consider the legacy you want to leave and whether this aligns with your family’s expectations. Is dividing assets equally among your children really fair if one is well-off while another struggles or has complex needs? Do your plans on inheritance unwittingly create headaches for the recipients – such as leaving property to someone who cannot afford to maintain it, or tax liabilities that eat into any financial gain? Discuss non-financial legacy too: do your offspring know about your (and hence their) heritage? Are there special family mementos/stories to pass on? This knowledge may be lost if you don’t share it now. Place to call home Given their financial, logistical, and emotional implications, living arrangements are crucial to discuss before things need to change (and change can be imposed suddenly, such as by a health emergency). Consider: <ul> <li>Where would you want to go if you need high-level care?</li> <li>Is your current home suitable in your advanced years? How would any required modifications be paid for?</li> <li>Would you move nearer your kids? Downsize, upsize or sea/treechange?</li> <li>If you move, would you need to sell your current home? Could it be retained somehow?</li> <li>Do you want/expect kids to care for you? Are they capable of doing so? </li> <li>Could/would you live with one of your children? If so – such as paying to build a granny flat on their property – how does this affect your will? Would they be forced to sell so their siblings receive their inheritance?</li> </ul> Team united Having everyone on the same page helps things to run smoothly – especially during difficult times such as a death or serious illness in the family. Stay aligned by: <ul> <li>Introducing adult children to your financial adviser, lawyer, and accountant.</li> <li>Ensuring everyone knows where to find your will and who is your executor.</li> <li>Disclosing what is and is not up to date.</li> <li>Providing contingency access to passwords, important documents, keys etc.</li> <li>Sharing relevant policy details (e.g., life insurance).</li> </ul> These discussions may be sensitive and difficult to initiate, but are crucial to ensure your wishes are known and enacted. Plus, they may encourage your loved ones to think about their own wishes – and give you all peace of mind for the future! Helen Baker is a licensed Australian financial adviser and author of the new book, On Your Own Two Feet: The Essential Guide to Financial Independence for all Women (Ventura Press, $32.99). Helen is among the 1% of financial planners who hold a master’s degree in the field. Proceeds from book sales are donated to charities supporting disadvantaged women and children. Find out more at <a href="http://www.onyourowntwofeet.com.au">www.onyourowntwofeet.com.au</a> Image credits: Getty Images

Retirement Income

How to clean these bathroom items that get overlooked

Cleaning the bathroom will not only make your house feel nicer for but it is important for your hygiene as so many bathroom items are used on a daily basis. Even if your bathtub, shower, tiles and sink is clean, these bathroom items deserve your frequent attention. 1. Toothbrush and toothbrush holder For obvious reasons keeping your toothbrush and toothbrush holder clean is vital to your mouth health. To keep your toothbrush clean, make sure you rinse it well after each use to avoid a build-up of toothpaste. Frequently you should do a deep clean of your toothbrush and this can be done by leaving it in a cup of vinegar for 30 minutes. The vinegar will remove the build of bacteria on your toothbrush. Remember to replace your toothbrush every 3-4 months and then you can use your old one for cleaning. A toothbrush holder can be cleaned thoroughly by putting it in the dishwasher or you can rinse it out in hot water and dish soap to remove the build-up of gunk. 2. Loofah Loofahs do a great of cleaning bodies but it is important to remember to clean them as well. Your loofah can be cleaned by submerging in a 50/50 mixture of hot water and vinegar for an hour. Then leave it to dry. This method can also be used on sponges or wash cloths. 3. Razors It is important to clean your razor as a wet razor can become rusty and a moist blade can cause ingrown hairs and irritation when shaving. To keep your razor in top condition, put some rubbing alcohol on a cotton pad and swipe across your razor. Dry your razor with a towel once you are done and store your razor in a dry place in your bathroom. 4. Toilet brush To give your toilet brush a thorough clean, rest the brush between the toilet bowl and seat after cleaning the toilet. Spray the brush with a disinfectant and then let it sit as it drips for ten minutes or so. Then rinse the brush in very hot water and allow it to drip dry again. The brush holder should also be cleaned with disinfectant and then leaving it for ten minutes and rinsing with hot water. 5. Plunger After each use of the plunger, spray it with a disinfectant and leave for ten minutes and then let it air dry. It is helpful to store your plunger with a plastic bag so that way, after you use it you can put in the bag and then take it somewhere to clean to avoid any dripping. Don’t re-use the plastic bag. Image: Getty

Home Hints & Tips

Shop Smarter and Save Big: Unbeatable Deals on Appliances, Home items, and More in the EOFY Sales!

The end-of-financial year sales are one of the biggest shopping events of the year here in Australia. Our favourite brands across various categories slash the prices by huge margins so that we consumers can grab a bargain. This event takes place every year, and this time round, it may be one of the best yet, with unmissable bargains including the highly-rated <a href="https://go.skimresources.com/?id=204849X1683982&xs=13&url=https%3A%2F%2Fwww.canningvale.com%2Ftowels%2Fcollections%2Froyal-splendour%2F&xcust=sen_eofy_sales_2023" target="_blank" rel="noopener">Canningvale Royal Splendour Towel Sets,</a> which has over 2,500 5-star reviews! Reviewers shared their thoughts: “Love my new towels - they feel like a bit of luxury - great thickness and fluff. Very pleased” and “Beautiful soft lush towels very happy with purchase”. Even the talk-of-the-town Calming Blankets’ best-selling <a href="https://go.skimresources.com/?id=204849X1683982&xs=13&url=https%3A%2F%2Fwww.calmingblankets.com.au%2Fproducts%2Fweighted-blanket&xcust=sen_eofy_sales_2023" target="_blank" rel="noopener">adult weighted blanket is $100 off, reduced to $99</a>, so grab it while you can. When it comes to fulfilling your shopping needs, there's no better time than now. Why wait? By seizing this opportunity, you might just save yourself a pretty penny or two. We understand the challenges of navigating sales and limited timeframes to find the best deals, which is why we're here to lend a helping hand. Our expertise lies in uncovering the most enticing offers across various categories as we approach the end of the financial year. Whether you're looking to upgrade your tech and appliances, revamp your home bedding and towels for the colder weather, refresh your wardrobe for the new season, or even explore new beauty products, we've got you covered. Our extensive knowledge enables us to provide you with a comprehensive list of the best deals. So, without further ado, let's dive into our curated selection of deals for you to flick through below. <h2>Home </h2> <img src="https://oversixtydev.blob.core.windows.net/media/2023/05/BeddingSets_byToaHeftibaUnsplash_HERO.jpg" alt="" width="1280" height="720" /> Photo by Toa Heftiba on Unsplash We're approaching the peak of the cold weather, so If your bedding still seems better suited for keeping you cool rather than providing cosy warmth, now might be the perfect time to make a change. While you're at it, why not consider swapping out some home decor pieces as well? Give your space a winter makeover by adding touches of cosiness and incorporating warm colours. <h3>Myer </h3> <a href="https://go.skimresources.com/?id=204849X1683982&xs=13&url=https%3A%2F%2Fwww.myer.com.au%2Fc%2Foffers%2Fhome--sale%2Fbedroom-sale%3Ffacets%3Dmv--product_type_filter--quilt20covers%252Cmv--product_type_filter--sheets202620pillowcases%26pageNumber%3D1&xcust=sen_eofy_sales_2023" target="_blank" rel="noopener">Up to 50% off selected quilt covers and sheet sets</a> <a href="https://go.skimresources.com/?id=204849X1683982&xs=13&url=https%3A%2F%2Fwww.myer.com.au%2Fc%2Foffers%2Fhome--sale%2Fsale-tableware%2Fdinnerware--sale%3Ffacets%3Dmv--mfname--heritage%252Cmv--mfname--maxwell202620williams%252Cmv--mfname--robert20gordon%252Cmv--mfname--salt26pepper%252Cmv--mfname--vue%252Cmv--sale_type--402520off%26pageNumber%3D1&xcust=sen_eofy_sales_2023" target="_blank" rel="noopener">50% off Dinnersets by Maxwell & Williams, Robert Gordon, salt&pepper and more</a> <a href="https://go.skimresources.com/?id=204849X1683982&xs=13&url=https%3A%2F%2Fwww.myer.com.au%2Fc%2Foffers%2Fhome--sale%3Ffacets%3Dmv--mfname--royal20albert%252Cmv--mfname--royal20doulton%252Cmv--mfname--waterford%252Cmv--mfname--wedgwood%252Cmv--sale_type--252520off%252Cmv--sale_type--302520off%252Cmv--sale_type--402520off%252Cmv--sale_type--502520off%26pageNumber%3D1&xcust=sen_eofy_sales_2023" target="_blank" rel="noopener">Up to 50% off a great range of Wedgewood, Royal Doulton, Royal Albert and Waterford</a> <a href="https://go.skimresources.com/?id=204849X1683982&xs=13&url=https%3A%2F%2Fwww.myer.com.au%2Fc%2Foffers%2Fhome--sale%3Ffacets%3Dmv--mfname--sheridan%26pageNumber%3D1&xcust=sen_eofy_sales_2023" target="_blank" rel="noopener">Up to 50% off the original price of Sheridan</a> House: <a style="font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen, Ubuntu, Cantarell, 'Open Sans', 'Helvetica Neue', sans-serif;" href="https://www.house.com.au/collections/sale" target="_blank" rel="noopener">Up to 75% off House-wide EOFY Sale</a> Koala: <a href="https://koala.com/en-au/eofy-sale" target="_blank" rel="noopener">Up to 30% off site wide </a> Canningvale: <a href="https://go.skimresources.com/?id=204849X1683982&xs=13&url=https%3A%2F%2Fwww.canningvale.com%2Fsale%2Fbedding%2Fbedding%3Fis_index%3D0&xcust=sen_eofy_sales_2023" target="_blank" rel="noopener">40-60% Off in the Big Bedding Sale</a> Emma Sleep: <a href="https://go.skimresources.com/?id=204849X1683982&xs=13&url=https%3A%2F%2Fwww.emma-sleep.com.au%2Fsale%2F&xcust=sen_eofy_sales_2023" target="_blank" rel="noopener">Up to 55% off selected products</a> Sheridan: <a href="https://go.skimresources.com/?id=204849X1683982&xs=13&url=https%3A%2F%2Fwww.sheridan.com.au%2Fsale.html&xcust=sen_eofy_sales_2023" target="_blank" rel="noopener">Up to 50% off sitewide</a> Calming Blankets: <a href="https://go.skimresources.com/?id=204849X1683982&xs=13&url=https%3A%2F%2Fwww.calmingblankets.com.au%2Fcollections%2Fbest-sellers&xcust=sen_eofy_sales_2023" target="_blank" rel="noopener">Up to 50% off sitewide</a> Bed Bath N’ Table: <a href="https://www.bedbathntable.com.au/products/catalogue" target="_blank" rel="noopener">Clearance Sale Up to 60% off</a> Bed Threads: <a href="https://bedthreads.com.au/pages/bed-threads-sale" target="_blank" rel="noopener">Mid-Year Makeover Sale 15% off Everything</a> Freedom: <a href="https://www.freedom.com.au/c/best-selling" target="_blank" rel="noopener">Absolutely Everything on Sale</a> <a href="https://www.freedom.com.au/c/all-outdoor" target="_blank" rel="noopener">Up to 55% off all Outdoor Furniture</a> <a href="https://www.freedom.com.au/c/all-rugs" target="_blank" rel="noopener">Up to 40% off all Floor Rugs</a> Harris Scarfe: <a href="https://go.skimresources.com/?id=204849X1683982&xs=13&url=https%3A%2F%2Fwww.harrisscarfe.com.au%2Fcategories%3Fq%3D%3Arelevance%3Acategory%3Aquilts%3Acategory%3Apillows%3Acategory%3Acomforters-coverlets%3Acategory%3Atowel-collections%3AdealType%3AOnSale%3AdealType%3AFRIENDS%2520PAY%2520LESS&xcust=sen_eofy_sales_2023" target="_blank" rel="noopener">40-60% off all Homewares & Manchester</a> Dymocks: <a href="https://www.dymocks.com.au/books/promotion-winter-sale-june-2023/" target="_blank" rel="noopener">Books for $9.99 in the Winter Sale</a> Booktopia: <a href="https://go.skimresources.com/?id=204849X1683982&xs=13&url=https%3A%2F%2Fwww.booktopia.com.au%2Feofy-sale%2Fpromo3262.html&xcust=sen_eofy_sales_2023" target="_blank" rel="noopener">Up to 75% off top deals</a> My Deal: <a href="https://go.skimresources.com/?id=204849X1683982&xs=13&url=https%3A%2F%2Fwww.mydeal.com.au%2Fsale%2Fstylish-bedside-tables&xcust=sen_eofy_sales_2023" target="_blank" rel="noopener">Limited-time deals on bedside tables</a> Adairs: <a href="https://go.skimresources.com/?id=204849X1683982&xs=13&url=https%3A%2F%2Fwww.adairs.com.au%2Fsales%2F&xcust=sen_eofy_sales_2023" target="_blank" rel="noopener">Save up to 30% off</a> <h3>Tech & Appliances</h3> <img src="https://oversixtydev.blob.core.windows.net/media/2023/06/EOFY_Jonas-Leupe-on-Unsplash.jpg" alt="" width="1280" height="720" /> Photo by Jonas Leupe on Unsplash Tech and appliances are notorious for their hefty price tags, but their entertainment value or usefulness often justifies the investment. But, due to their high cost, it's wise to hold onto your bank card until the perfect deal presents itself, and that moment might be right now. Myer: <a href="https://go.skimresources.com/?id=204849X1683982&xs=13&url=https%3A%2F%2Fwww.myer.com.au%2Fc%2Foffers%2Fhome--sale%2Fappliances-sale&xcust=sen_eofy_sales_2023" target="_blank" rel="noopener">Great savings on Appliances by Breville, Sunbeam, Delonghi and more</a> <a href="https://go.skimresources.com/?id=204849X1683982&xs=13&url=https%3A%2F%2Fwww.myer.com.au%2Fc%2Foffers%2Fhome--sale%2Felectronics-sale&xcust=sen_eofy_sales_2023" target="_blank" rel="noopener">Great savings on Tech by BOSE, Ultimate Ears, FitBit, Garmin and more</a> Dyson: <a href="https://go.skimresources.com/?id=204849X1683982&xs=13&url=https%3A%2F%2Fwww.dyson.com.au%2Fdeals%2Feofy-sale&xcust=sen_eofy_sales_2023" target="_blank" rel="noopener">Save up to $450, plus receive complimentary gifts and additional accessories with selected technology.</a> The Good Guys: <a href="https://go.skimresources.com/?id=204849X1683982&xs=13&url=https%3A%2F%2Fwww.thegoodguys.com.au%2Fhisense-75kg-front-load-washer--hwfy7514&xcust=sen_eofy_sales_2023" target="_blank" rel="noopener">$500 Off! Fisher & Paykel 10kg Front Load Washer - $995</a> <a href="https://go.skimresources.com/?id=204849X1683982&xs=13&url=https%3A%2F%2Fwww.thegoodguys.com.au%2Fsamsung-75-inches-ls03b-4k-the-frame-qled-smart-tv-2022-qa75ls03bawxxy&xcust=sen_eofy_sales_2023" target="_blank" rel="noopener">$1100 Off! Samsung 75" LS03B 4K The Frame QLED Smart TV 2022 - $2395</a> <a href="https://go.skimresources.com/?id=204849X1683982&xs=13&url=https%3A%2F%2Fwww.thegoodguys.com.au%2Ftefal-easy-fry-classic-air-fryer-ey2018&xcust=sen_eofy_sales_2023" target="_blank" rel="noopener">$100 Off! Tefal Easy Fry Classic Air Fryer - $99</a> <a href="https://go.skimresources.com/?id=204849X1683982&xs=13&url=https%3A%2F%2Fwww.thegoodguys.com.au%2Fninja-intelli-sense-kitchen-system-ct682&xcust=sen_eofy_sales_2023" target="_blank" rel="noopener">$30 Off! Ninja Intelli-Sense Kitchen System - $319</a> Appliances Online: <a href="https://www.appliancesonline.com.au/promo/clearance-sale" target="_blank" rel="noopener">Save on Appliances in the Clearance Sale</a> <a href="https://www.appliancesonline.com.au/product/tefal-cy8515-cook4meplus-multi-cooker" target="_blank" rel="noopener">$99 off Tefal Cook4Me+ Multi Cooker + Bonus Gift</a> Bing Lee: <a href="https://go.skimresources.com/?id=204849X1683982&xs=13&url=https%3A%2F%2Fwww.binglee.com.au%2Fcategories%2Fpromotions%2Fend-of-financial-year-sale&xcust=sen_eofy_sales_2023" target="_blank" rel="noopener">Huge savings in the Yenda Financial Year Sale</a> <a href="https://go.skimresources.com/?id=204849X1683982&xs=13&url=https%3A%2F%2Fwww.binglee.com.au%2Fproducts%2Fdyson-v10-stick-vacuum-394101-01&xcust=sen_eofy_sales_2023" target="_blank" rel="noopener">$450 off Dyson V10™ Stick Vacuum, $649 (down from $1099)</a> Kogan: <a href="https://go.skimresources.com/?id=204849X1683982&xs=13&url=https%3A%2F%2Fwww.kogan.com%2Fau%2Fc%2Fdyson-australia-a%2F%3Fdispatch%3Dfree%26order_by%3D-discount%26shipping%3Dfree%26page%3D1&xcust=sen_eofy_sales_2023" target="_blank" rel="noopener">Save up to $450 on Dyson deals</a> <a href="https://go.skimresources.com/?id=204849X1683982&xs=13&url=https%3A%2F%2Fwww.kogan.com%2Fau%2Fc%2Fawesome-eofy-sale-tvs-home-entertainment%2Fshop%2Fcategory%2Fled-tv%2F&xcust=sen_eofy_sales_2023" target="_blank" rel="noopener">Save up to 55% off TV deals</a> Harris Scarfe: <a href="https://go.skimresources.com/?id=204849X1683982&xs=13&url=https%3A%2F%2Fwww.harrisscarfe.com.au%2Fsearch%3Fq%3Dsmith%2520nobel%3Arelevance%3Acategory%3Akettles%3Acategory%3Atoasters%3Acategory%3Aair-fryers&xcust=sen_eofy_sales_2023" target="_blank" rel="noopener">40% off all Air Fryers, Toasters & Kettles by Smith+Nobel</a> <h3>Fashion & Accessories</h3> <img src="https://oversixtydev.blob.core.windows.net/media/2023/06/EOFY_Priscilla-Du-Preez-on-Unsplash.jpg" alt="" width="1280" height="720" /> Photo by Priscilla Du Preez on Unsplash Time to give your wardrobe an upgrade for the winter season. Think cosy layers, earthy tones, and clothes that will keep you toasty warm. Find everything you need in the sales below, and get ready to rock that effortlessly stylish winter look! Myer: <a href="https://go.skimresources.com/?id=204849X1683982&xs=13&url=https%3A%2F%2Fwww.myer.com.au%2Fc%2Foffers%2Fwomen--sale%2Fwomen-lingerie-sale%2Fwomen-sleepwear-robes-sale&xcust=sen_eofy_sales_2023" target="_blank" rel="noopener">40% Off Women's sleepwear</a> <a href="https://go.skimresources.com/?id=204849X1683982&xs=13&url=https%3A%2F%2Fwww.myer.com.au%2Fc%2Foffers%2Fwomen--sale%2Fwomen-handbags-sale&xcust=sen_eofy_sales_2023" target="_blank" rel="noopener">FROM $69 EACH Selected women's handbags and wallets by Marcs, Guess, Tommy Hilfiger and more</a> <a href="https://go.skimresources.com/?id=204849X1683982&xs=13&url=https%3A%2F%2Fwww.myer.com.au%2Fc%2Foffers%2Fmen-sales%2Fmen-clothing-sale%3Ffacets%3Dmv--sale_type--302520off%26pageNumber%3D1&xcust=sen_eofy_sales_2023" target="_blank" rel="noopener">Up to 50% off a range of men’s fashion</a> <a href="https://go.skimresources.com/?id=204849X1683982&xs=13&url=https%3A%2F%2Fwww.myer.com.au%2Fc%2Foffers%2Fmen-sales%2Fmen-shoes-sale&xcust=sen_eofy_sales_2023" target="_blank" rel="noopener">NOW $119 EACH Selected men's shoes by Tommy Hilfiger, Lacoste, GANT, Polo Ralph Lauren, Adidas, Calvin Klein, Florsheim and Wild Rhino</a> <a href="https://go.skimresources.com/?id=204849X1683982&xs=13&url=https%3A%2F%2Fwww.myer.com.au%2Fc%2Foffers%2Fkids-sale%3Flabel%3D%26facets%3Dmv--mfname--bauhaus%252Cmv--mfname--milkshake%252Cmv--mfname--sprout%252Cmv--mfname--tilii%252Cmv--product_type_filter--coats202620jackets%252Cmv--product_type_filter--knitwear202620sweaters%252Cmv--sale_type--302520off%26pageNumber%3D1&xcust=sen_eofy_sales_2023" target="_blank" rel="noopener">30% off the original price of Kids' jackets, jumpers and cardigans by Milkshake, Sprout, Bauhaus, Tilii and Jack & Milly</a> The Iconic: <a href="https://go.skimresources.com/?id=204849X1683982&xs=13&url=https%3A%2F%2Fwww.theiconic.com.au%2Fwomens-sale&xcust=sen_eofy_sales_2023" target="_blank" rel="noopener">Up to 70% off women’s Mega Sale Event</a> <a href="https://go.skimresources.com/?id=204849X1683982&xs=13&url=https%3A%2F%2Fwww.theiconic.com.au%2Fmens-sale&xcust=sen_eofy_sales_2023" target="_blank" rel="noopener">Up to 70% off men’s Mega Sale Event</a> Cotton On: <a href="https://go.skimresources.com/?id=204849X1683982&xs=13&url=https%3A%2F%2Fcottonon.com%2FAU%2Fco%2Fco-sale&xcust=sen_eofy_sales_2023" target="_blank" rel="noopener">Sale up to 50% off original prices</a> Bonds: <a href="https://go.skimresources.com/?id=204849X1683982&xs=13&url=http%3A%2F%2Fbonds.com.au&xcust=sen_eofy_sales_2023" target="_blank" rel="noopener">40% off storewide</a> Seed Heritage: <a href="https://go.skimresources.com/?id=204849X1683982&xs=13&url=https%3A%2F%2Fwww.seedheritage.com%2Fsale%2Fwoman%2F&xcust=sen_eofy_sales_2023" target="_blank" rel="noopener">Up to 50% off all sale styles</a> <h3>Health & Beauty</h3> <img src="https://oversixtydev.blob.core.windows.net/media/2023/06/Jocelyn-Morales-on-Unsplash.jpg" alt="" width="1280" height="720" /> Photo by Jocelyn Morales on Unsplash There's nothing quite like treating yourself to something that enhances your health or beauty. If it boosts your confidence, it's definitely a smart investment. After all, you deserve to feel as good as you look, and that's something worth going for! Myer: <a href="https://go.skimresources.com/?id=204849X1683982&xs=13&url=https%3A%2F%2Fwww.myer.com.au%2Fc%2Foffers%2Fsale-beauty&xcust=sen_eofy_sales_2023" target="_blank" rel="noopener">Up to 40% off beauty brands</a> <a href="https://go.skimresources.com/?id=204849X1683982&xs=13&url=https%3A%2F%2Fwww.myer.com.au%2Fc%2Foffers%2Fsale-beauty%3Ffacets%3Dmv--sale_type--402520off%252Cmv--mfname--calvin20klein%3Flabel%3D%26facets%3Dsv--category--18167%26pageNumber%3D1&xcust=sen_eofy_sales_2023" target="_blank" rel="noopener">40% off Calvin Klein fragrances</a> <a href="https://go.skimresources.com/?id=204849X1683982&xs=13&url=https%3A%2F%2Fwww.myer.com.au%2Fc%2Foffers%2Fsale-beauty%3Ffacets%3Dmv--sale_type--402520off%252Cmv--mfname--revlon%26pageNumber%3D1&xcust=sen_eofy_sales_2023" target="_blank" rel="noopener">40% off Revlon</a> The Iconic: <a href="https://www.theiconic.com.au/beauty-all/?campaign=lp-wmksbh-taf20-2423" target="_blank" rel="noopener">Up to 70% off Beauty products in the Mega Sale Event</a> Sephora: <a href="https://go.skimresources.com/?id=204849X1683982&xs=13&url=https%3A%2F%2Fwww.sephora.com.au%2Fsale&xcust=sen_eofy_sales_2023" target="_blank" rel="noopener">15% - 50% off Selected Styles only</a> Adore Beauty: <a href="https://go.skimresources.com/?id=204849X1683982&xs=13&url=https%3A%2F%2Fwww.adorebeauty.com.au%2Fc%2Fspecials%2Fclearance.html&xcust=sen_eofy_sales_2023" target="_blank" rel="noopener">Up to 50% off Clearance beauty</a> Shaver Shop: <a href="https://go.skimresources.com/?id=204849X1683982&xs=13&url=https%3A%2F%2Fwww.shavershop.com.au%2Fsale&xcust=sen_eofy_sales_2023" target="_blank" rel="noopener">Up to 80% off</a> Oz Hair & Beauty: <a href="https://www.ozhairandbeauty.com/collections/summer-clearance-sale" target="_blank" rel="noopener">EOFY Up to 70% off sale</a> <em style="box-sizing: border-box; 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;">Editor's note: When you buy something using the retail links in our stories, Over60 may earn a small commission. We do not accept money for editorial reviews, and we only write about products we feel comfortable recommending to our readers. Thank you.<span style="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;">

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